KR20120046376A - System and method for providing payment means management sertvice, apparatus and device for payment means management service - Google Patents

Abstract

PURPOSE: A system for managing payment unit, a method thereof, a device thereof, and a terminal thereof are provided to primarily process locking or releasing operation for an activated mobile card when the locking or releasing operation for overall applet of a mobile card is requested, thereby enhancing user convenience. CONSTITUTION: When locking or releasing operation is requested for a mobile card applet on a client terminal by network, an applet managing unit(304) generates an applet locking or releasing command of the mobile card. The applet managing unit transmits the generated command to the client terminal by network. A USIM card managing unit(306) inquires information about the mobile card. The USM card managing unit provides the inquiry result of the information about the mobile card to the applet managing unit.

Description

SYSTEM AND METHOD FOR PROVIDING PAYMENT MEANS MANAGEMENT SERTVICE, APPARATUS AND DEVICE FOR PAYMENT MEANS MANAGEMENT SERVICE}

The present invention relates to a payment method management service, and in particular, when a user wants to suspend (or reuse) a payment method, for example, a mobile card or a smart card that can be used for payment. Or release) function, which enables immediate response to a suspension request due to the loss of a mobile terminal equipped with a mobile card, and is suitable for easily selecting a suspension (or approval) application for a specific mobile card. Means management system and method, apparatus and terminal for payment means management.

Recently, the use of a mobile communication terminal such as a mobile phone, a smartphone, etc. has become common, and a technology for enabling a mobile payment service using a mobile communication terminal has been an issue.

For example, there is a method using a Subscriber Identity Module (hereinafter referred to as SIM). A SIM card, which stores credit card information and financial information, is inserted into / mounted on a mobile phone or a smart phone, and then a mobile payment service is used. Can be provided.

However, a mobile payment service using such a SIM card may cause a security vulnerability. For example, when a SIM card or a portable terminal equipped with a SIM card is lost, there is a problem that payment by a third party is easy.

In order to solve this security problem, a method of inputting a password on a mobile communication terminal is applied every time a payment is made, but it is cumbersome according to the input every time, and a risk of exposure by entering a password in a public place occurs. do.

In addition, if the general card is lost, the card company can be processed in a way that denies authorization, but if the mobile communication terminal is lost together with the mobile card inserted in the mobile communication terminal has a problem that it is difficult to immediately deal with.

Thus, in an embodiment of the present invention, when the user wants to suspend (or reuse) a payment means, for example, a mobile card or a smart card that can be paid, the corresponding payment means are locked (or released) through the network. By providing the function, it is possible to immediately respond to the suspension request due to the loss of the mobile communication terminal equipped with the mobile card, and payment can be easily selected from the user's point of view for the suspension (or approval) application for the specific mobile card. We propose a means management technique.

The payment management system according to an embodiment of the present invention, the client terminal capable of locking or unlocking the applet of the mobile card, and when the lock or unlock of the applet of the mobile card to the client terminal over the network is requested It may include a payment means management device for generating a lock or release command of the applet of the mobile card to transmit to the client terminal via the network.

Here, the applet may include a main card applet or an activated card applet of the mobile card.

In addition, the payment means management device, it is possible to request the suspension or use authorization of the mobile card to the card company server through the network.

An apparatus for managing payment method according to an embodiment of the present invention generates a lock or release command of the applet of the mobile card when the applet of the mobile card is requested to the client terminal through the network to generate the command through the network. Applet management unit for transmitting to the client terminal, and the USIM (Universal Subscriber Identity Module) card management unit for querying the information on the mobile card, and provides the information query results for the mobile card to the applet management unit.

Here, the applet manager may generate a lock or release command for the main card applet or the activated card applet of the mobile card.

The applet manager may manage result information corresponding to an applet locking or releasing operation of the client terminal.

In addition, the applet management unit, the card company server through the network may request the suspension or use authorization of the mobile card.

The payment method management terminal according to an embodiment of the present invention, means for receiving an applet lock or release command over a network, and means for performing an applet lock or unlock operation for a plurality of mobile cards in accordance with the applet lock or release command It may include.

Here, the means for performing may first lock or unlock the main card applet or activated card applet of the mobile card.

The payment method management method according to an embodiment of the present invention, if there is a request for locking or unlocking the applet of the client terminal through a network, the process of querying the mobile card information of the client terminal, and the applet corresponding to the query result of the mobile card information Inquiring information, generating an applet lock command or a release command corresponding to an inquiry result of the applet information, and transmitting the generated applet lock command or release command to the client terminal through the network. It may include.

The generating may include generating a lock command or a release command for the main card applet or the activated card applet of the mobile card.

In addition, the applet lock or release request may be performed by a remote control service.

In the payment method management method according to an embodiment of the present invention, if there is a stop request or approval request for the mobile card of the client terminal in accordance with the customer information management service, the card company server stops the use or approval request message for the mobile card And transmitting a result message to a client terminal included in the customer information management service when the card company server is notified of the suspension or use approval result of the mobile card.

Here, the payment method management method may include a process of first processing a lock or unlock operation for the activated mobile card or the main mobile card when the lock or unlock is requested for at least two mobile cards of the client terminal. have.

According to an embodiment of the present invention, when a user wants to suspend (or reuse) a payment means, for example, a mobile card or a smart card mounted in a mobile communication terminal, By providing a lock (or release) function, there is an effect that it is possible to immediately respond to the suspension request due to the loss of the mobile communication terminal equipped with a mobile card. In addition, according to an embodiment of the present invention, a suspension (or approval) application for a specific mobile card included in a mobile communication terminal or a USIM card is applied through a customer information management center, for example, a call center. Since the application can be made immediately, it is possible to increase the management convenience of the plurality of mobile cards managed in the mobile communication terminal. In addition, according to an embodiment of the present invention, when a lock or unlock of the entire applet of the mobile card is requested, the main card or the currently activated card may be preferentially locked or unlocked to increase convenience of use and reliability.

1 is a schematic block diagram of a payment method management system according to an embodiment of the present invention;
2 is a block diagram illustrating a detailed configuration of an apparatus for managing payment method of FIG. 1;
3 is a flowchart illustrating a payment means management method according to an embodiment of the present invention, for example, a payment means management process through a remote control service unit;
4 is a flowchart illustrating a payment means management method according to an embodiment of the present invention, for example, a payment means management process through a customer information management unit.

Advantages and features of the present invention and methods for achieving them will be apparent with reference to the embodiments described below in detail with the accompanying drawings. However, the present invention is not limited to the embodiments disclosed below, but can be implemented in various different forms, and only the embodiments make the disclosure of the present invention complete, and the general knowledge in the art to which the present invention belongs. It is provided to fully inform the person having the scope of the invention, which is defined only by the scope of the claims. Like numbers refer to like elements throughout.

In describing the embodiments of the present invention, if it is determined that a detailed description of a known function or configuration may unnecessarily obscure the gist of the present invention, the detailed description thereof will be omitted. In addition, terms to be described below are terms defined in consideration of functions in the embodiments of the present invention, which may vary according to intentions or customs of users and operators. Therefore, the definition should be based on the contents throughout this specification.

Each block of the accompanying block diagrams and combinations of steps of the flowchart may be performed by computer program instructions. These computer program instructions may be mounted on a processor of a general purpose computer, special purpose computer, or other programmable data processing equipment such that instructions executed through the processor of the computer or other programmable data processing equipment may not be included in each block or flowchart of the block diagram. It will create means for performing the functions described in each step. These computer program instructions may be stored in a computer usable or computer readable memory that can be directed to a computer or other programmable data processing equipment to implement functionality in a particular manner, and thus the computer usable or computer readable memory. It is also possible for the instructions stored in to produce an article of manufacture containing instruction means for performing the functions described in each block or flowchart of each step of the block diagram. Computer program instructions may also be mounted on a computer or other programmable data processing equipment, such that a series of operating steps may be performed on the computer or other programmable data processing equipment to create a computer-implemented process to create a computer or other programmable data. Instructions that perform processing equipment may also provide steps for performing the functions described in each block of the block diagram and in each step of the flowchart.

In addition, each block or step may represent a portion of a module, segment or code that includes one or more executable instructions for executing a specified logical function (s). It should also be noted that in some alternative embodiments, the functions noted in the blocks or steps may occur out of order. For example, the two blocks or steps shown in succession may in fact be executed substantially concurrently or the blocks or steps may sometimes be performed in the reverse order, depending on the functionality involved.

In an embodiment of the present invention, when a user wants to suspend (or reuse) a payment means, for example, a mobile card, a smart card, etc. mounted in a mobile communication terminal, locks the applet of the payment means through the network. (Or release) function, and the suspension (or approval) application for a specific mobile card included in the mobile terminal or the USIM card can be immediately applied through a customer information management center such as a call center. Applicable feature of the present invention is that it is possible to easily achieve the object of the present invention from this technical idea.

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

1 is a schematic block diagram of a payment means management system according to an embodiment of the present invention, a client terminal group 100, a network 200, a payment method management device 300, a card company server 400, etc. It may include.

The client terminal group 100 is a device group for providing a payment management service to a user according to an embodiment of the present invention, for example, a videophone, a smart phone, a laptop, a tablet PC, a notebook. It may refer to various types of wireless client terminals such as a pad.

The client terminal group 100 may provide a wireless communication service to a subscriber by interfacing with a network 200 to be described later through a wireless connection, and not only a second generation that supports a code division multiple access (CDMA) scheme, but also W-CDMA. It may include all the wireless environments that support the third generation or more wireless communication technology of the (Wideband Code Division Multiple Access) scheme. Although one client terminal group is shown in the drawing, this is only an example for convenience of description, and the client terminal group that can be connected to the network 200 includes a plurality of client terminal groups including a plurality of client terminals. It will be apparent to those skilled in the art that the present invention can be made.

In addition, the client terminal group 100 may provide a wired communication service to a subscriber by interfacing with the network 200 through a wired connection. In this case, the client terminal group 100 may include various types of wired client terminals such as a desktop and a laptop.

In addition, the client terminal group 100 is not limited to a terminal group that provides a wireless communication service, and may further include a separate payment system, for example, a POS system. In the case of including the POS system, the client terminal group 100 is not directly connected to the network 200 and connected to the payment method managing device 300 or the card company server 400, but the client visits the affiliated store. This is a case where a payment method management service is requested through a POS system (or a POS system that can be directly connected to a client terminal without a merchant).

Any client terminal of such a client terminal group 100, for example, client terminal 1 (100/1), according to the present embodiment in response to the request for locking or unlocking a specific applet of the mobile card according to the embodiment When the lock or release command for the specific applet is transmitted from 300, the lock or release operation of the specific applet may be performed. In this case, the lock or release request for a specific applet of the mobile card may be performed through a remote control service or a customer information management (call center) service, which will be described in more detail in the flowcharts of FIGS. 3 and 4 described later. do.

In addition, the client terminal 1 (100/1) may receive a lock or release command for the entire mobile card, not the specific applet from the payment method management device 300, in this case, the client terminal 1 (100/1) The main mobile card applet or activated mobile card applet may be preferentially locked or unlocked.

The network 200 is a means for providing a connection environment for allowing the client terminal group 100 to be connected to the payment method managing apparatus 300 or the card company server 400, and may include, for example, a broadband network or a local area network. . Here, the broadband network may include a broadband wireless network and a broadband wired network, and the local area network may include a local area wireless network and a local area wired network.

The broadband wireless network is involved in call setup and resource allocation of the client terminal group 100. Although not shown in the drawing, a wireless network involved in call setup and resource allocation of another second client terminal group may be established. Those skilled in the art will readily understand.

Such a broadband wireless network serves to guarantee the mobility of the client terminal group 100, and may perform a function of managing handover and radio resources. The broadband wireless network may comprise a base station and a base station controller, and may support both synchronous and asynchronous. Here, in the case of synchronous, the base station will be a base transceiver station (BTS), the base station controller will be a base station controller (BSC), in the case of asynchronous, the base station is a Node B (Node B), and the base station controller is a Radio Network Controller (RNC). Will be. Of course, the broadband wireless network is not limited thereto, and may include a Global System for Mobile Communication (GSM) network, not a CDMA network, and an access network of all mobile communication systems to be implemented in the future.

A base station having such an example configuration may receive a call attempt message from the client terminal group 100 through a traffic channel among signal channels, and transmit the received call attempt message to the base station controller. In addition, the base station is a network endpoint device that is directly connected to the client terminal group 100 by performing baseband signal processing, wired and wireless conversion, and transmission and reception of wireless signals. The base station controller controls the base station, and assigns and releases radio channels to the client terminal group 400, transmit power control of the client terminal group 100 and the base station, soft hand-over between cells, and Determination of hard handover, transcoding and vocoding, global positioning system (GPS) clock distribution, operation and maintenance functions for a base station, and the like can be performed.

The exchange in the broadband wireless network may perform basic and additional service processing, incoming and outgoing call processing of subscribers, location registration and handover procedures of the client terminal group 100, interworking with other networks, and the like. The exchange includes an Access Switching Subsystem (ASS) that performs distributed call processing, an Interconnection Network Subsystem (INS) that performs centralized call processing, a Central Control Subsystem (CCS) that centralizes operations and maintenance, and mobile. It may include a subsystem such as a Location Registration Subsystem (RLS) that performs storage and management of information for the subscriber.

Broadband wired networks are, for example, the Internet, and include various services existing in the TCP / IP protocol and higher layers, such as HyperText Transfer Protocol (HTTP), Telnet, File Transfer Protocol (FTP), and Domain Name System (DNS). ), A global open computer network structure that provides Simple Mail Transfer Protocol (SMTP), Simple Network Management Protocol (SNMP), Network File Service (NFS), and Network Information Service (NIS). It provides an environment that allows any client of, for example, Client 1 (100/1) can be connected to the payment method management apparatus 300 by wire.

The local area network in the network 200 may include a local area wired network and a local area network.

The short-range wired network is, for example, a local area network (LAN), and is a short-range wired connection between any client terminal of the client terminal group 100, for example, client terminal 1 (100/1) and the payment method management device 300. It can provide a communication environment.

The short range wireless network provides a short range wireless communication environment between the client terminal 1 (100/1) and the payment method managing apparatus 300, and may include, for example, a wireless communication environment such as Wi-Fi.

The payment method management apparatus 300 according to the embodiment of the present invention may request (eg, a remote control service) the applet lock (or unlock) of a specific mobile card to the client terminal 1 (100/1) through the network 200. In this case, the applet information of the mobile card may be inquired and a lock (or release) command of the applet may be generated and provided to the client terminal 1 (100/1) according to the result.

In addition, the payment method management device 300 when the suspension (or approval of use) of the entire mobile card for the client terminal group 100 is requested (for example, customer information management service) through the network 200 A card suspension (or use approval) request message may be generated and transmitted to the card company server 400. In this case, the payment method managing apparatus 300 may process the main mobile card applet or the activated mobile card applet in the client terminal 1 (100/1) to be preferentially locked or released.

The card company server 400 may determine whether to approve any payment details of any client terminal in association with the payment method management device 300, and may be mobile from the payment method management device 300 according to an embodiment of the present invention. When the use of the card is requested to be suspended (use approval), the use of the corresponding mobile card may be stopped and the result may be notified to the payment method managing apparatus 300.

FIG. 2 is a detailed configuration diagram of the payment method managing apparatus 300 of FIG. 1, which includes a remote control service unit 302, an applet management unit 304, a USIM (Universal Subscriber Identity Module) card management unit 306, and a client DB (Data). -Base) 308, the applet DB 310, customer information management unit 312 and the like.

As shown in FIG. 2, the remote control service unit 302 may serve to provide an applet lock (release) request message according to a user command for applet lock (or release) request of the mobile card to the applet manager 304. Can be. The remote control service unit 302 may be connected to the network 200 through, for example, TCP / IP communication, and may manage the applet lock (unlock) management result of the applet management unit 304 described later through such TCP / IP communication. Can be notified.

The applet manager 304 may inquire the applet information of the user's mobile card in response to the applet lock (release) request message provided from the remote control service unit 302, and locks the applet when the applet information is inquired. The command may be generated and transmitted to the client terminal 1 (100/1) through the network 200.

In addition, the applet manager 304 performs applet lock (release) management when an ack message according to the applet lock (unlock) operation is received from the client terminal 1 (100/1), and the result of the remote control service. It may be delivered to the unit 302. At this time, the applet manager 304 may query the information on the mobile card through the USIM card manager 306 prior to the inquiry of the applet information.

The USIM card manager 306 may query the user's mobile card information, for example, a Universal IC Card (UICC) ID, in response to the mobile card information request of the applet manager 304, and the applet manager ( 304). In this case, the UICC may provide services related to personal information management such as client authentication or information management, financial services such as an electronic wallet function, or network (WiBro, etc.) connection authentication.

The client DB 308 is a means managed by the above-mentioned payment means management device 300, each client information of the client terminal group 100, for example, information such as ID, telephone number, address, and payment means Information, for example, credit card information, mobile card information, etc. may be stored and modified, and any information stored and modified may be selected by the payment method management device 300 as necessary.

The applet DB 310 may store applet information for each mobile card of the client terminal group, for example, specific credit card applet information, and the stored applet information may be selected by the applet manager 304.

The client DB 308 and the applet DB 310 are, for example, relational database management systems (RDBMS) such as Oracle, Infomix, Sybase, DB2, Gemston, Object-Oriented Database Management System (OODBMS) such as Orion, O2, etc. may be implemented for the purposes of the present invention, and may include appropriate fields to achieve their function.

The customer information manager 312 may be connected to the client terminal group 100 through the network 200, and transmits a mobile card suspension (use approval) request message provided from the client terminal group 100 to the applet manager 304. By providing a mobile card management unit 314 to be described later to the card company server 400 to request the suspension (use approval) for the mobile card. The customer information management unit 312 may include, for example, a call center service.

The mobile card management unit 314 may transmit the mobile card suspension (use approval) request message provided from the appleless management unit 304 to the card company server 400, and the mobile card suspension provided from the card company server 400 ( Usage approval) may be received and provided to the applet management unit 304. The mobile card manager 314 may provide additional functions such as mobile card subscription processing and information inquiry of the client in addition to the above-described functions.

Hereinafter, with reference to the above-described configuration, with reference to the flowchart of Figures 3 and 4 attached to the payment method management method according to an embodiment of the present invention will be described in detail.

First, FIG. 3 is a flowchart illustrating a payment method management method through a payment method management method, for example, a remote control service unit 302, according to an embodiment of the present invention.

As shown in FIG. 3, the remote control service unit 302 in the payment method managing apparatus 300 requests an applet lock (release) of a mobile card, for example, a mobile card of the client terminal 1 (100/1). It may be determined whether there is (S300). The applet lock request may be performed through a TCP / IP-based broadband wireless network or a broadband wired network.

If there is an applet lock (release) request of the mobile card, the remote control service unit 302 provides an applet lock (release) request message to the applet management unit 304 (S302), and the applet lock (release) request message is successfully received. If so, the applet management unit 304 may provide the Ack message to the remote control service unit 302.

Thereafter, the applet manager 304 may request card information, for example, UICC ID information, to the USIM card manager 306 (S306). If the card information is queried through the USIM card manager 306, the card information response message is an applet. It may be provided to the management unit 304 (S308).

Accordingly, the applet management unit 304 may query the applet information on the mobile card of the client terminal 1 (100/1) through the applet DB 310 (S310), and when the applet information is inquired, the applet management unit 304 ) May generate a lock (release) command for the applet (S312).

In this case, the exemplary embodiment of the present invention illustrates a case of generating a lock (release) command of specific applet information for the mobile card. However, when a lock (release) of all applet information of the mobile card is requested, the client terminal 1 ( It should be noted that a lock (unlock) command for the activated mobile card or the main mobile card of 100/1) may be generated first.

The generated applet lock (release) command may be transmitted from the payment method managing device 300 to the network 200 (S314), and the network 200 issues a corresponding applet lock (release) command to the client terminal 1 (100/1). Can be delivered to (S316).

Thereafter, the applet lock (release) operation may be performed by the client terminal 1 (100/1), and the Ack message according to the applet lock (release) operation result is transmitted to the applet management unit 304 via the network 200. It may be (S318) (S320).

Accordingly, the applet management unit 304 may perform applet lock (release) management (S322), and transmit the applet lock (release) management execution result to the remote control service unit 302 (S324).

When the applet lock (release) management execution result is transmitted to the remote control service unit 302, the remote control service unit 302 may notify the user who requested the applet lock (release) the applet lock (release) management execution result message. .

As described above, in the embodiment of the present invention, the applet lock command is generated in response to the applet lock request for the mobile card of the specific client terminal by the remote control service of the user, and the generated applet lock is released. Command) to the corresponding client terminal, so that the specific applet of the mobile card or the activated applet stored in the client terminal can be stopped or reused.

4 is a flowchart illustrating a payment method managing method through a payment method managing method, for example, the customer information manager 312 according to an exemplary embodiment of the present invention.

As shown in FIG. 4, the customer information management unit 312 in the payment method management device 300 stops using a mobile card, for example, a mobile card of the client terminal 1 (100/1) (approval of use). It may be determined whether there is a request (S400). The request for discontinuation (authorization) for such a mobile card may be performed through a broadband wireless network, a broadband wired network, a landline telephone, or the like, and may be, for example, a call center service.

If there is a request for suspension (use approval) for the mobile card, the customer information management unit 312 provides a mobile card suspension (use approval) request message to the applet management unit 304 (S402), and disables the mobile card (use). If the approval) request message is successfully received, the applet manager 304 may provide the Ack message to the customer information manager 312.

The mobile card suspension (use approval) request message may be provided to the card company server 400 via the mobile card management unit 314, the card company server 400 to the mobile card suspension (use approval) request message Accordingly, it may be processed to stop (approve) the use of the mobile card (S406) (S408).

If the use of the mobile card is stopped (approved) by the card company server 400, the result may be provided to the applet management unit 304 via the mobile card management unit 314 (S410) (S412).

At this time, in the present embodiment, a lock (release) of a specific mobile card of the client terminal 1 (100/1) may be requested, and the entire mobile card (for example, two or more) of the client terminal 1 (100/1) may be requested. A lock (release) for the mobile card) may be requested. In the latter case, the lock (release) operation for the activated mobile card or the main mobile card of the client terminal 1 (100/1) may be preferentially processed. will be.

As described above, according to the embodiment of the present invention, in response to the request for suspension (use approval) of the mobile card of the specific client terminal by the call center service, the use of the corresponding mobile card is suspended (use approval) to the card company server. The request message is sent and the mobile card can be immediately suspended (approved).

According to an embodiment of the present invention, when a user wants to suspend (or reuse) a payment means, for example, a mobile card or a smart card mounted in a mobile communication terminal, By providing a lock (or unlock) function or by requesting the card company server to stop (or approve) the use of the mobile card, it is possible to immediately deal with the request for suspension due to the loss of the mobile communication terminal equipped with the mobile card. In addition, according to an embodiment of the present invention, a suspension (or approval) application for a specific mobile card included in a mobile communication terminal or a USIM card is applied through a customer information management center, for example, a call center. Since the application can be made immediately, it is possible to increase the management convenience of the plurality of mobile cards managed in the mobile communication terminal. As a result, when a user such as a smart phone receives a mobile payment service, convenience and reliability can be secured, and thus, the mobile card market is expected to be activated.

100: client terminal group
200: network
300: payment method management device
302: remote control service unit
304: applet management unit
306: USIM card management unit
308: client DB
310: applet DB
312: Customer Information Management Department
314: mobile card management unit
400: card company server

Claims (14)

A client terminal capable of locking or unlocking the applet of the mobile card;
And a payment means management device that generates a lock or release command of the applet of the mobile card and transmits it to the client terminal through the network when the applet of the mobile card is requested to the client terminal through a network. doing
Payment Method Management System. The method of claim 1,
The applet includes a main card applet or an activated card applet of the mobile card.
Payment Method Management System. The method of claim 1,
The payment means management device, to the card company server through the network to request the suspension or use authorization of the mobile card
Payment Method Management System. An applet manager configured to generate a lock or release command of the applet of the mobile card and transmit it to the client terminal through the network when the applet of the mobile card to the client terminal is requested through a network;
Including a Universal Subscriber Identity Module (USIM) card management unit for inquiring information on the mobile card, and provides the applet management unit with the information query result for the mobile card
Payment method management device. The method of claim 4, wherein
The applet manager may generate a lock or unlock command for the main card applet or the activated card applet of the mobile card.
Payment method management device. The method of claim 4, wherein
The applet manager may manage result information corresponding to an applet lock or release operation of the client terminal.
Payment method management device. The method of claim 4, wherein
The applet management unit,
Requesting the suspension or use authorization of the mobile card to the card company server through the network
Payment method management device. Means for receiving an applet lock or unlock command over the network;
Means for performing an applet lock or unlock operation for a plurality of mobile cards in accordance with the applet lock or unlock command.
Payment method management terminal. The method of claim 8,
The means for performing is configured to first lock or unlock the main card applet or activated card applet of the mobile card.
Payment method management terminal. Querying the mobile terminal information of the client terminal when an applet lock or release request of the client terminal is received through a network;
Retrieving applet information corresponding to the retrieval result of the mobile card information;
Generating an applet lock command or a release command corresponding to an inquiry result of the applet information;
Transmitting the generated applet lock command or release command to the client terminal through the network;
How to manage your payment method. The method of claim 10,
The generating may include generating a lock command or a release command for the main card applet or the activated card applet of the mobile card.
How to manage your payment method. The method of claim 10,
The applet lock or unlock request is performed by a remote control service.
How to manage your payment method. Transmitting a suspension or usage approval request message for the mobile card to a card company server if the client terminal has a suspension or usage approval request for the mobile card according to the customer information management service;
If the card company server is notified of the result of the suspension or use authorization for the mobile card comprising the step of transmitting a result message to the client terminal included in the customer information management service;
How to manage your payment method. The method of claim 13,
The payment method management method,
A process of first processing a lock or release operation of an activated mobile card or a main mobile card when a lock or release of at least two mobile cards of the client terminal is requested;
How to manage your payment method.

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