WO2005111882A1 - Digital card loaded on mobile device and system for billing using by the digital card and method thereof - Google Patents

Digital card loaded on mobile device and system for billing using by the digital card and method thereof Download PDF

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Publication number
WO2005111882A1
WO2005111882A1 PCT/KR2004/001818 KR2004001818W WO2005111882A1 WO 2005111882 A1 WO2005111882 A1 WO 2005111882A1 KR 2004001818 W KR2004001818 W KR 2004001818W WO 2005111882 A1 WO2005111882 A1 WO 2005111882A1
Authority
WO
WIPO (PCT)
Prior art keywords
card
digital
mobile terminal
user
signal
Prior art date
Application number
PCT/KR2004/001818
Other languages
French (fr)
Inventor
Moon-Haeng Huh
Dong-Kook Kim
Eui-Seob Shin
Original Assignee
Kbc Inc.
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Kbc Inc. filed Critical Kbc Inc.
Publication of WO2005111882A1 publication Critical patent/WO2005111882A1/en

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Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • G06Q20/3415—Cards acting autonomously as pay-media
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/342—Cards defining paid or billed services or quantities
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/326—Payment applications installed on the mobile devices
    • G06Q20/3267—In-app payments
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/353—Payments by cards read by M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/02—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices
    • G07F7/025—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices by means, e.g. cards, providing billing information at the time of purchase, e.g. identification of seller or purchaser, quantity of goods delivered or to be delivered

Definitions

  • the mileage integration server may receive information on the integrated mileage card and a to-be-used mileage score from the digital card read device and subtract the to-be-used score from the integrated mileage of the integrated mileage card.
  • the digital card read device may comprise: a signal sensing unit for sensing the optical signal output from the mobile terminal, converting the sensed optical signal to the electrical signal, and outputting the electrical signal; and a data transmission unit for externally transmitting the electrical signal output from the signal sensing unit.
  • the mileage integration server 507 comprises an integrated mileage managing unit 600, an integrated mileage using unit 610, and an integrated mileage checking unit 620.
  • the integrated mileage managing unit 600 receives a mileage score, which is acquired by the user according to the transaction history, and an integrated mileage card number from one of the card-affiliated companies.
  • the integrated mileage managing unit reduces the transmitted mileage score into a mileage in a predetermined reduction unit, accumulates the reduced mileage to the previously accumulated integrated mileage of the user's integrated mileage card, and stores and manages the addition result in the database.
  • the integrated mileage using unit 610 checks the user's integrated mileage from the database and authenticates the usage of a mileage score corresponding to the requested integrated mileage.
  • the new digital ID card In case of issuing the new digital ID card, authentication of the user is performed in advance and the ID card is issued though a new card issuing process.
  • the additional digital ID card of the previously-issued ID card authentication of the user is performed in advance and the additional digital ID card including the same information as that of the previously-issued ID card is issued.
  • the issued ID card consists of an image file and a data file. The image file and data file are downloaded the user's mobile terminal and loaded on the user's mobile terminal.
  • the authentication server 704 is requested to perform user identification authentication by using the digital ID card via the digital card read device by the user.
  • the signal sensing unit 900 may comprise an optical sensor capable of sensing the optical signal.
  • the signal sensing unit may comprise an acoustic sensor capable of sensing the acoustic signal.
  • the signal received by the signal sensing unit 900 is read by the control unit 950 and the read digital card information and payment information is transmitted to an external VAN company server via the data transmission unit 910.
  • the control unit outputs a receipt of the associated transaction via the receipt output unit 920.
  • the data transmission unit 910 which is a device capable of accessing an external network, includes for example a modem, a wireless LAN connection device, or the like.
  • the receipt output unit 920 may be a printer capable of printing the receipt.
  • the operations of the receipt output unit is controlled by the control unit 950.
  • the payment system according to the third embodiment can be adapted to home selling, in which a seller visits a user's home and sells items.
  • the digital card read device can perform all the functions of the credit card reader in addition to receiving the digital card data.
  • the payment system comprises a digital lottery managing system 1000, a user's mobile terminal 1030 for loading a digital lottery, and a data read device 1040 for receiving data on the digital lottery from the mobile terminal or accessing an external lottery managing system.
  • the digital lottery managing system 1000 comprises a digital lottery issuing server 1010 and a lottery winning authentication sever 1020.
  • the digital lottery issuing server 1010 of the digital lottery managing system 1000 issues the digital lottery and downloads the digital lottery to the user's mobile terminal.
  • Information on the issued digital lottery is stored and managed in the database 1050 of the digital lottery managing system.
  • the user downloads the digital lottery on the user's mobile terminal and transmits data on the digital lottery to the data read device 1040.
  • FIG. 11 is a view showing an overall construction of a door locking system using a digital key according to the fifth embodiment.
  • the door locking system comprises a user's mobile terminal 1110, a digital key issuing server 1100 for downloading the digital key to the user's mobile terminal, and a door locking device 1120 for reading the digital key to unlock a door.
  • the payment system comprises a gift certificate managing system 1300, a mobile terminal 1340 for loading the digital gift certificate, a digital card read device 1350, and a computer for receiving data from the digital card read device.
  • the gift certificate managing system comprises a digital gift certificate issuing server 1310, a usage-history checking server 1320, a usage authentication server 1330, and a database 1370 Firstly, the digital gift certificate loaded on the user's mobile terminal consists of an image file of a gift certificate and a data file storing encrypted information on the gift certificate such as an issuing company and an amount of money.
  • the gift certificate issuing server 1310 downloads the digital gift certificate to the user's mobile terminal.
  • the digital card read device comprising an internal interface unit transmits the digital gift certificate received from the user's mobile terminal to the computer via the interface unit.
  • the interface unit may include a USB interface and other interface means for communicating with the computer.
  • the computer accesses the usage authentication server 1330 via a network such as the Internet to request the usage authentication server to performing the usage authentication of the user's digital gift certificate. If the usage authentication is obtained, the associated information is transmitted to the computer.
  • the digital card read device may further comprise a network-accessing unit for accessing a network. Therefore, the digital card read device can directly access the usage authentication server 1330 without the computer in order to request for the usage authentication of the digital gift certificate and receive the result of usage authentication.

Abstract

The present invention provides a payment system using a digital card. The digital card consists of a predetermined image file and a data file storing encrypted card information. The digital card is issued by a card issuing server and downloaded to a user's mobile terminal and loaded on the user's terminal. In response to the user's request, the mobile terminal for loading the digital card outputs an optical signal corresponding to information in the data file. A digital card read device senses the optical signal output from the mobile terminal, converts the sensed optical signal into an electrical signal, and transmits the electrical signal to an external payment terminal or an associated external server. According to the present invention, a plurality of digital cards can be loaded on the mobile terminal without modification of hardware of the mobile terminal and the user can conveniently use the digital cards.

Description

DIGITAL CARD LOADED ON MOBILE DEVICE AND SYSTEM FOR BILLING USING BY THE DIGITAL CARD AND METHOD THEREOF
TECHNICAL FIELD The present invention relates to a digital card loaded on a mobile terminal and a payment system and method using the digital card, and more particularly, to a system where a digital card consisting of a predetermined image file and a data file including card information is loaded on a user's mobile terminal and, if necessary, the digital card is used for payment or identification .
BACKGROUND ART There is a fee of issuing a conventional credit card. In addition, there is a problem in that the conventional credit card may be lost and stolen. The associated information may also be stolen. In order to solve these problems, a small value payment method using a mobile phone or a payment method using a smart card implemented with a semiconductor chip has been proposed. However, the small value payment method has a limitation in that only a small amount of money can be paid by using the mobile phone. In addition, it is inconvenient to mount the smart card in the mobile phone by using an additional memory chip. In addition, there is a limitation in that only a single smart card can be mounted in a mobile phone. For these reasons, that is, inconvenience and stagnated distribution of the payment systems, these payment methods have not been widely used, Therefore, the present invention proposes a digital card, which is implemented by combining a credit card and a mobile phone which are necessary for modern life.
DETAILED DESCRIPTION OF THE INVENTION Technical Goal of the Invention In order to solve the aforementioned problems, an object of the present invention is to propose a new concept of a digital card and to provide a payment system using the digital card. In addition, another object of the present invention is to provide a digital card managing system capable of adapting the aforementioned digital card to a credit card. In addition, still another object of the present invention is to provide a digital card managing system capable of adapting the aforementioned digital card to an integrated mileage card. In addition, further still another object of the present invention is to provide a digital card managing system capable of adapting the aforementioned digital card to an ID card. In addition, further still another object of the present invention is to provide a digital card managing system capable of adapting the aforementioned digital card to a lottery. In addition, further still another object of the present invention is to provide a door locking system capable of adapting the aforementioned digital card to a door locking device. Disclosure of the Invention In order to achieve the objects, according to a first aspect of the present invention, there is provided a digital card system comprising: an issuing authentication server for issuing a digital card consisting of a predetermined image file and a data file storing encrypted credit card information; a mobile terminal for storing the digital card downloaded from the issuing authentication server in a memory and outputting an optical signal corresponding to the data file of the digital card by controlling an optical signal source of the mobile terminal; and a digital card read device for sensing the optical signal output from the mobile terminal, converting the sensed optical signal to an electrical signal, and outputting the electrical signal, wherein the digital card read device transmits the sensed signal to an external server, thereby performing a digital card function. According to a second aspect of the present invention, there is provided a payment system for loading a digital card having the same functions as a credit card on a user's mobile terminal and using a digital card as the credit card, comprising: an issuing authentication server for issuing a digital card consisting of a predetermined image file and a data file storing encrypted credit card information; a mobile terminal for storing the digital card downloaded from the issuing authentication server in a memory and outputting an optical signal corresponding to the data file of the digital card by controlling an optical signal source of the mobile terminal; a digital card read device for sensing the optical signal output from the mobile terminal, converting the sensed optical signal to an electrical signal, and outputting the electrical signal; and a payment terminal for requesting a VAN company to perform a credit card payment by using the electrical signal output from the digital card read device. In addition, the issuing authentication server may comprise: a digital card issuing unit for receiving credit card information from a credit card company server in response to a user's request and issuing a digital card consisting of a data file storing encrypted credit card information and an image file of the corresponding credit card; a downloading unit for downloading the issued digital card to the user's mobile terminal; and a database for storing and managing information on the issued digital card and the user. Preferably, the payment system may further comprise a transaction authentication server, wherein, in a case where the user makes a payment by using the digital card, the transaction authentication server is accessed by the mobile terminal, the payment terminal, a VAN company server, or a credit card company server to perform a transaction authentication. According to a third aspect of the present invention, there is provided an integrated mileage managing system using a digital card to allow a plurality of card-affiliated companies to use an integrated mileage card, comprising: a card issuing server for issuing the integrated mileage card consisting of a predetermined image file and data file storing encrypted card information; a mobile terminal for storing the integrated mileage card downloaded from the card issuing server and outputting an optical signal corresponding to information on the integrated mileage card in response to the user's request; a digital card read device for sensing the optical signal output from the mobile terminal, converting the sensed optical signal to an electrical signal, and outputting the electrical signal; and a mileage integration server for receiving information on the integrated mileage card and a to-be-accumulated mileage score from the digital card read device, reducing the to-be-accumulated mileage score to a mileage in accordance with a predetermined method, and adding the reduced mileage to the integrated mileage of the integrated mileage card, wherein the mileages accumulated by the plurality of card-affiliated companies are integrally managed by using the integrated mileage card loaded on the user's mobile terminal. Preferably, the mileage integration server may receive information on the integrated mileage card and a to-be-used mileage score from the digital card read device and subtract the to-be-used score from the integrated mileage of the integrated mileage card. In addition, the digital card read device may comprise: a signal sensing unit for sensing the optical signal output from the mobile terminal, converting the sensed optical signal to the electrical signal, and outputting the electrical signal; and a data transmission unit for externally transmitting the electrical signal output from the signal sensing unit. According to a fourth aspect of the present invention, there is provided an ID card issuing system using a digital ID card, comprising: a card issuing sever for issuing a digital ID card consisting of a predetermined image card and a data file storing encrypted personal identification information; a mobile terminal for storing the digital ID card downloaded from the card issuing server and externally outputting an optical signal corresponding to information on the digital ID card in response to the user's request; and a digital card read device for sensing the optical signal output from the mobile terminal, converting the sensed optical signal to an electrical signal, and outputting the electrical signal externally or on a display screen of the mobile terminal. Preferably, the ID card issuing system may further comprise a compute.r connected to the digital card read device, wherein the computer receives a signal from the digital card read device, reads the received signal, and outputs the information on the digital ID card or associated history information stored in an internal database together with the information on the digital ID card on the display screen. According to a fifth aspect of the present invention, there is provided a digital card read device comprising: a control unit for controlling overall operations of the digital card read device; a signal sensing unit for sensing an optical signal output from a mobile terminal, converting the sensed optical signal to an electrical signal, and outputting the electrical signal; a network interface unit for accessing an external network; a data transmission unit for transmitting the signal output from the signal sensing unit to an external management server or receiving predetermined data from the external management server by using the network interface unit under the control of the control unit; and a receipt output unit for outputting a receipt by using the data transmitted form the data transmission unit under the control of the control unit. Preferably, the digital card read device may further comprise a key input unit for allowing the user to input keys . According to a sixth aspect of the present invention, there is provided a digital lottery issuing system for issuing a digital lottery and conforming winning of the issued lottery, comprising: a digital lottery issuing server for issuing the digital lottery consisting of a predetermined image file and a data file storing encrypted a lottery number; a mobile terminal for storing the digital lottery downloaded from the digital lottery issuing server and outputting an optical signal corresponding to the data file of the digital lottery to inquire the winning of the digital lottery; a digital card read device for sensing the optical signal outputting the mobile terminal, converting the sensed optical signal into an electrical signal, and externally outputting the electrical signal; and a lottery winning authentication server for receiving information on the digital lottery from the digital card read device, checking the winning of the digital lottery, and transmitting the checking result to the digital card read device. According to a seventh aspect of the present invention, there is provided a door locking device for unlocking a door by using a mobile terminal, comprising: a memory for storing a predetermined password of the door locking device; a signal sensing unit for sensing a signal output form the mobile terminal, converting the sensed signal into an electrical signal, and outputting the electrical signal; and a control unit for comparing the electrical signal output from the signal sensing unit with the password stored in the memory and unlocking the door if the electrical signal matches with the password. According to an eighth aspect of the present invention, there is provided a door locking system comprising: a digital key issuing server for issuing a digital key consisting of a data file storing encrypted data of password input by a user; a mobile terminal for storing the digital key downloaded from the digital key issuing server and outputting information on the data file of the digital key in a predetermined signal form in accordance with the user's command; and a door locking device for unlocking a door by using the mobile terminal, wherein the door locking device comprises: a memory for storing a predetermined password of the door locking device; a signal sensing unit for sensing a signal output form the mobile terminal, converting the sensed signal into an electrical signal, and outputting the electrical signal; and a control unit for comparing the electrical signal output from the signal sensing unit with the password stored in the memory and unlocking the door if the electrical signal matches with the password. Preferably, the signal output from the mobile terminal may have a form of an optical or acoustic signal, and the signal sensing unit of the door locking device may sense the optical or acoustic signal. According to a ninth aspect of the present invention, there is provided a recording media recording a program readable by a computer or mobile terminal, wherein the program executes: (a) a step of, when a user selects a card menu, displaying kinds of digital cards loaded on the mobile terminal on a screen of the mobile terminal; (b) a step of, when the user selects one of the digital cards displayed on the screen, displaying an image file corresponding to the selected digital card; (c) a step of identifying the user; and (d) a step of, when the user is identified, outputting information on a data file of the digital card in a predetermined signal form. Effect of the Invention According to the present invention, a credit card is digitalized in a form of a digital card, so that the user can load a plurality of credit cards on the user's mobile terminal. Therefore, with carrying his mobile terminal, the user can use conveniently a plurality of cards .
BRIEF DESCRIPTION OF THE DRAWINGS FIG. 1 is a schematic diagram showing a plurality of digital cards loaded on a mobile terminal according to the present invention; FIG. 2 is a schematic block diagram showing a digital card read device according to the present invention; FIG. 3 is a view showing an overall construction of a payment system according to a preferred embodiment of the present invention; FIG. 4 is a flowchart showing sequential operations of access software according to a preferred embodiment of the present invention; FIG. 5 is an overall block diagram showing an integrated mileage issuing system according to a first embodiment of the present invention; FIG. 6 is a schematic diagram showing a construction of a mileage integration server of the integrated mileage issuing system according to the first embodiment of the present invention; FIG. 7 is a view showing an overall construction of a digital ID card issuing system according to a second embodiment of the present invention; FIG. 8 is a view showing an overall construction of a payment system according to a third embodiment of the present invention; FIG. 9 is a block diagram showing a digital card read device of the payment system according the third embodiment of the present invention; FIG. 10 is an overall block diagram showing a digital lottery issuing system according to a fourth embodiment of the present invention; FIG. 11 is a view showing an overall construction of a door locking system using a digital key according to a fifth embodiment of the present invention; FIG. 12 is a block diagram showing an internal construction of a door locking device of the door locking system according to the fifth embodiment of the present invention; and FIG. 13 is a view showing an overall construction of a payment system according to a sixth embodiment of the present invention.
BEST MODE FOR CARRYING OUT THE INVENTION Now, an overall construction and operations of a payment system using a digital card stored in a mobile terminal according to a preferred embodiment of the present invention with reference to the accompanying drawings. Here, the 'mobile terminal' includes a mobile communication terminal, a personal digital assistant (PDA) , a smart phone, and other portable terminals having an internal memory. In addition, terminals on which the digital card according to the present invention can be loaded are collectively referred to the 'mobile terminal'. Firstly, the digital card used for 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, that is, a virtual card stored in an internal memory of the mobile terminal 100, consists of an image file 120 and a data file 130 storing encrypted card information. Although the digital card does not necessarily include the image file in consideration of a size of a memory of the mobile terminal, it is preferable that the image file is included in the digital card for a user's convenience. In addition, a plurality of digital cards can be stored in a single mobile terminal. The number of the stored digital cards depends on the size of the built-in memory. In addition, the mobile terminal 100 further comprises access software 140 stored in the memory. The access software transmits card information on the digital card 110 selected in accordance with a user's command in various signal forms such as optical signals and acoustic signals to a digital card read device. Here, a signal source for the optical signals may be a backlight of liquid crystal display (LCD) apparatus, a keypad backlight, and an organic electro-luminescence (EL) . In addition, a signal source for the acoustic signals may be an output speaker or the like. The specific steps and functions executed by the access software will be described later. On the other hand, the digital card read device senses the signal output from the mobile terminal, converts the sensed signal into an electrical signal, and outputs the electrical signal. In addition, according to types of systems to which the digital card read device is adapted, the output signal of the digital card read device may be transmitted to a card payment terminal or an associated external server which can be accessed by using a network such as the Internet. FIG. 2 is a schematic block diagram showing the digital card read device 200. As shown in FIG. 2, the digital card read device comprises a signal sensing unit 210 and a data transmission unit 220. The signal sensing unit 210 senses the signal transmitted from the mobile terminal, converts the sensed signal into an electrical signal, and transmits the electrical signal to the data transmission unit. The data transmission unit 220 outputs the signal transmitted from the signal sensing unit externally (for example, to a card payment terminal, a dedicated line, the Internet, a VPN (virtual private network) , or the like) . On the other hand, in another alternative embodiment, the digital card read device further comprises a control unit 230 and a network interface unit to access an external specific server under the control of the control unit and transmit the signal output from the signal sensing unit. In still another alternative embodiment, the digital card read device further comprises a printer 240 for outputting a receipt in addition to the network interface unit, so that information transmitted from the accessed server can be output. Like this, in the payment system using the digital card according to the present invention, a conventional plastic card such as a credit card, a mileage card, and an ID card is digitalized as a digital card and the digital card is downloaded on the user's mobile terminal, so that the digital card loaded on the user's mobile terminal can be used for payment. In particular, a plurality of digital cards can be loaded on a single mobile terminal without modification of hardware of the mobile terminal and the desired one of the digital cards can be conveniently selected and used. Now, the payment system using the digital card according to the preferred embodiment of the present invention will be described in detail with reference to FIG. 3. In the embodiment, the payment system according to the present invention is adapted to a credit card. More specifically, in the payment system, currently widely used credit cards are loaded as digital cards on the user's mobile terminal and the digital cards loaded on the<rmobile terminal are used for payment. Referring to FIG. 3, the payment system according to the present invention comprises: a digital card managing system 300 for issuing a digital card and performing a transaction authentication; a mobile terminal 310 for loading the digital card; a digital card read device 320 for receiving a signal of information on the digital card from the mobile terminal, converting the signal into an electrical signal, outputting the electrical signal; a payment terminal 330 for transmitting the information output from the digital card read device and payment-associated information to a VAN (value added network) sever of a VAN company; a VAN server 340; and a credit card company server. Now, the components of the payment system will be described in detail . The digital card managing system comprises: a database 308; a member managing server 302 for storing and managing information on members; an issuing authentication server 304 for issuing the digital card and transmitting the issued digital card to the user's mobile terminal; and a transaction authentication server 306 for performing a transaction authentication by using the digital card. These servers constituting the digital card managing system 300 must be logically separated from each other, but may be physically built in a single system. In response to an external request for issuing the digital card, the issuing authentication server 304 transmits an issuing request signal to a credit card company server for really issuing the associated credit card and receives card issuing information from the credit card company or card-affiliated companies. The card issuing information includes information on the card-issuing company, a user's password, an issued date in addition to information included in the existing credit card. In response to receiving the card issuing information, the issuing authentication server generates a data file by encrypting the card issuing information and downloads the data file together with an image file indicating a kind of the card to the user's mobile terminal. On the other hand, the user who requested for issuing the digital card downloads the data file and the image file to the user's mobile terminal. The data file and the image file are stored in an internal memory of the user's mobile terminal. In addition, in order to use the downloaded digital card, access software is necessarily included in the user's mobile terminal. The access software may be downloaded from the issuing authentication server to the user's mobile terminal at the time of downloading the digital card or through an additional access to the issuing authentication server. Next, at the time of user's performing a transaction by using the digital card, the transaction authentication server 306 is accessed by the mobile terminal, the VAN server, or the credit company server and requested to perform the transaction authentication. The transaction authentication server performs the transaction authentication in accordance with the request. The issuing-associated information of the issuing authentication server and the transaction authentication information of the transaction authentication server are stored in the member database 308 and managed by the member managing server 302. Since the digital card read device 320 is the same as that of FIG. 2, redundant description thereof is omitted. The output terminal of the digital card read device is connected to the payment terminal 330 to transmit an electrical signal corresponding to the digital card information to the payment terminal. The payment terminal transmits transaction-associated information to the VAN company server by using the transmitted signal similar to a conventional process. In addition, in response to receiving the transaction authentication information from the VAN company, the payment terminal outputs an associated receipt. On the other hand, in response to the request from the payment terminal, the VAN server 340 checks the transaction authentication from the credit card company server 350. And then, the VAN server receives the transaction authentication information and transmits the received transaction authentication information to the payment terminal. Now, operations of the access software provided in the user's mobile terminal according to the present invention will be described in detail with reference to FIG. 4. FIG. 4 is a flowchart showing sequential operations of access software according to a preferred embodiment of the present invention. Referring to FIG. 4, in response to user's selection of a digital card usage function (S400), digital cards loaded on the user's mobile terminal are displayed on the screen of the mobile terminal (S410) . When the user selects one digital card (S420), an image file corresponding to the selected digital card is displayed on the screen and a password is requested (S430) . Next, the user identification is preformed by using the input password (S440). If the input password matches with a stored password, a predetermined optical signal is externally emitted according to the information stored in the data file of the selected digital card under the control of the operation of an optical signal source such as a keypad backlight, an LCD backlight, or an organic EL of the user's mobile terminal. The optical signal output from the user's mobile terminal is sensed by the digital card read device. The sensed optical signal is converted into an electrical signal and output to an external payment terminal, so that payment using the digital card can be performed similarly to a conventional one. In another embodiment of the aforementioned access software, in addition to the password used to identify the user of the digital card, the user identification may be performed by using biometric recognition information. The biometric recognition information is associated with human biometric features such as fingerprint, iris, face, and voice. The user's biometric information, which is previously stored in the user's mobile terminal, is compared with the biometric information input by the user at the time of using the digital card in order to identify the user. In the embodiment, a conventional credit card can be loaded as a digital card on a mobile terminal without modification of hardware of the mobile terminal, so that the digital card can be conveniently used at any time and place.
EMBODIMENTS (First Embodiment) Now, a construction and operations of an integrated mileage issuing system for issuing an integrated mileage card in a form of a digital card and using the integrated mileage card according to a first embodiment of the present invention will be described in detail with reference to FIG. 5. Referring to FIG. 5, a mileage managing system 500 according the present invention comprises a member managing server 502, an issuing authentication server 504, a transaction authentication server 506, a mileage integration server 507, and a member database 508. Since the constructions and operations of the member managing server, the member database, the issuing authentication server, and the transaction authentication server of the mileage managing system are the same as those of the aforementioned preferred embodiment, redundant description thereof is omitted. The issuing authentication server 504 issues the user with an integrated mileage card (a type of digital card) , which can be used by a plurality of card- affiliated companies, and downloads the integrated mileage card to the user's mobile terminal. The integrated mileage card (a type of digital card) consists of an image file and a data file. The data file includes an integrated mileage card number, user identification information, or the like. On the other hand, the mileage integration server 507 of the mileage managing system integrates and manages the user's mileages accumulated in the plurality of card-affiliated companies and allows the user to use the mileages for the card-affiliated companies. Now, functions and operations of the mileage integration server will be described with reference to FIG. 6. Referring to FIG. 6, the mileage integration server 507 comprises an integrated mileage managing unit 600, an integrated mileage using unit 610, and an integrated mileage checking unit 620. The integrated mileage managing unit 600 receives a mileage score, which is acquired by the user according to the transaction history, and an integrated mileage card number from one of the card-affiliated companies. The integrated mileage managing unit reduces the transmitted mileage score into a mileage in a predetermined reduction unit, accumulates the reduced mileage to the previously accumulated integrated mileage of the user's integrated mileage card, and stores and manages the addition result in the database. In response to the user's or the card-affiliated company's request for using the integrated mileage, the integrated mileage using unit 610 checks the user's integrated mileage from the database and authenticates the usage of a mileage score corresponding to the requested integrated mileage. After that, the integrated mileage using unit subtracts the used mileage score from the integrated mileage and stores and manages • the subtraction result in the database. In response to the user's request, the integrated mileage checking unit 620 reads the user's current integrated mileage from the database and displays the integrated mileage on the screen of the user's mobile terminal. Here, the user can use a portable internet device to access the integrated mileage checking unit. In addition, the user may access a web server or an ARS server in order to check his own integrated mileage. The web or ARS sever accessing method is well known to the ordinarily skilled person in the art, and thus, detailed description thereof is omitted. Now, the operations of the mileage managing system according to the first embodiment will be described. Firstly, the issuing authentication server issues the integrated mileage card consisting of an image file and a data file storing encrypted card number and the like to the user and downloads the integrated mileage card on the user's mobile terminal. Next, when the user acquires a mileage from a card-affiliated company, the mileage is accumulated in the mileage integration server 507 by using the integrated mileage card loaded on the user's mobile terminal. The access software controls the operation of the backlight in accordance with the information included in the integrated mileage card, so that an optical signal corresponding to the information can be output. The digital card read device in the card-affiliated company senses the optical signal output from the user's mobile terminal, converts the sensed optical signal into an electrical signal, and transmits the electrical signal to the external mileage integration server 507. The mileage integration server stores and manages the transmitted integrated mileage card information and mileage score. In the first embodiment, the user can manage the mileage accumulated by the card-affiliated companies by using a single one integrated mileage card loaded on the user's mobile terminal. In addition, the user can conveniently use the integrated mileage card at the card-affiliated companies. In addition, according to the first embodiment, the user can easily check his own integrated mileage by using his own mobile terminal.
(Second Embodiment) Now, a construction and operations of an ID card issuing system using a digital card according to a second embodiment of the present invention will be described in detail. FIG. 7 is a schematic view showing the construction of the ID card issuing system according to the second embodiment of the present invention. In the ID card issuing system according to the second embodiment, an identification (ID) card such as a driver's license card, a resident registration card (a social security card) , a student identification card, a medical insurance card, and the like is digitalized as a digital card and the digital card is downloaded on a user's mobile terminal. The ID cards consists of an image file and the data file. The image file entirely or selectively includes a user's picture and an image of the card. In addition, the data file includes encrypted data used for identification according to types of the ID cards. For example, in case of the resident registration card, the data file includes at least a user's name, resident registration number (a social security number) and address, a card-issuing organization, and a card-issued date. The image file may include a picture, a fingerprint, or the like. In addition, in case of the driver's license card, the data file includes a driver's license number, a user's name and address, an expiration data, and a licensed data. Like this, the user can always carry the ID card as a digital card loaded on the mobile terminal, so that the user can conveniently use the digital card at any time and place. Referring to FIG. 7, the ID card issuing system according to the second embodiment comprises an issuing server 702 for issuing an ID card, an authentication server 704 for authenticating an user's identification by using the ID card (a type of digital card) , a database 706 for storing and managing information on the user, a user's mobile terminal for loading the ID card, and a digital card read device 720 for receiving the information on the ID card from the user's mobile terminal. Now, the components of the ID card issuing system will be described in detail. Firstly, in response to the user's request, the issuing server 702 issues a new digital ID card or an additional digital card of a previously-issued ID card. In case of issuing the new digital ID card, authentication of the user is performed in advance and the ID card is issued though a new card issuing process. On the other hand, in case of issuing the additional digital ID card of the previously-issued ID card, authentication of the user is performed in advance and the additional digital ID card including the same information as that of the previously-issued ID card is issued. The issued ID card consists of an image file and a data file. The image file and data file are downloaded the user's mobile terminal and loaded on the user's mobile terminal. Next, the authentication server 704 is requested to perform user identification authentication by using the digital ID card via the digital card read device by the user. In this case, the authentication server compares the information stored and managed in the database with the identification information transmitted from the digital card read device to perform the user identification. The result of the user identification is transmitted to the digital card read device. The digital card read device 720 receives the information on the ID card from the user's mobile terminal and transmits the received information to the authentication server 704. In addition, the digital card read device outputs the result of the user identification transmitted from the authentication server to an output device such as the screen or printer, In this case, the digital card read device 720 may be connected to a computer 730 having a function of the authentication server 704 with USB or serial/parallel interface units. In an alternative embodiment, the digital card read device may comprise an internal communication module such as a modem to be connected to the authentication server 704 through the Internet. The database 706 stores and manages all the information and history of users registered in the issuing server and authentication server. In the second embodiment, the user can load his ID cards without limitation of the number of ID cards. In addition, the user can conveniently use the ID cards at any time and place. In addition, since the database stores and manages the history information of the user, the history information can be easily checked in addition to the user authentication. In an alternative embodiment, data on the medical insurance card may be stored in the digital ID card and user's disease history information is stored and managed in the database 706. Accordingly, even in case of the user being in an emergency, disease history of the user can be accurately checked at any time and place.
Therefore, the user can be diagnosed or cured without limitation of time and place.
(Third Embodiment) Now, a construction and operations of a payment system using a digital according to a third embodiment of the present invention will be described with reference to FIG. 8. The payment system is adapted to home selling. The payment system according to the third embodiment comprise a digital card managing system 800, a user's mobile terminal 810 for loading the digital card, a digital card read device 820, a VAN sever 840, and a credit card company server 850. Since the digital card managing system 800, the user's mobile terminal, the VAN server, and the credit card company server are the same as those of the aforementioned preferred embodiment, redundant description thereof is ■omitted. The digital card read device 820 according to the third embodiment is a portable one, so that it can be used for home selling. Referring to FIG. 9, the digital card read device comprises a signal sensing unit 900 for sensing a signal corresponding to the digital card information transmitted from the mobile terminal, a data transmission unit 910 for receiving or transmitting data externally via a network, a receipt output unit 920 for outputting a receipt transmitted from the data transmission unit, and a control unit 950 for controlling overall operations. In addition, the digital card read device may further comprises a key input unit 930 and a display unit 940. The signal sensing unit 900 senses the signal corresponding to the digital card information transmitted from the mobile terminal and converts the sensed signal into an electrical signal. The detailed construction of the signal sensing unit depends on the signal transmitting method of the mobile terminal. For example, in case of the mobile terminal outputting an optical signal corresponding to the digital card data by controlling the keypad backlight or the LCD backlight, the signal sensing unit 900 may comprise an optical sensor capable of sensing the optical signal. On the other hand, in case of the mobile terminal outputting an acoustic signal corresponding to the digital card data by controlling voice output from its speaker, the signal sensing unit may comprise an acoustic sensor capable of sensing the acoustic signal. The signal received by the signal sensing unit 900 is read by the control unit 950 and the read digital card information and payment information is transmitted to an external VAN company server via the data transmission unit 910. On the other hand, after the payment authentication, when the payment authentication information is transmitted from the VAN company sever via the data transmission unit 910, the control unit outputs a receipt of the associated transaction via the receipt output unit 920. The data transmission unit 910, which is a device capable of accessing an external network, includes for example a modem, a wireless LAN connection device, or the like. On the other hand, the receipt output unit 920 may be a printer capable of printing the receipt. The operations of the receipt output unit is controlled by the control unit 950. The payment system according to the third embodiment can be adapted to home selling, in which a seller visits a user's home and sells items. In particular, although a credit card reader is not provided at a user's home, the digital card read device according to the third embodiment can perform all the functions of the credit card reader in addition to receiving the digital card data.
(Fourth Embodiment) Now, a construction and operations of a payment system using a digital card according to the fourth embodiment will be descried in detail with reference to FIG. 10. The payment system is adapted to lottery issuing. The lottery in the fourth embodiment (hereinafter, referred to as a digital lottery) , which is constructed in a form of the aforementioned digital card, consists an image file of a lottery and a data file storing encrypted lottery number. FIG. 10 is a view showing an overall construction of the payment system according to the fourth embodiment Referring to FIG. 10, the payment system comprises a digital lottery managing system 1000, a user's mobile terminal 1030 for loading a digital lottery, and a data read device 1040 for receiving data on the digital lottery from the mobile terminal or accessing an external lottery managing system. The digital lottery managing system 1000 comprises a digital lottery issuing server 1010 and a lottery winning authentication sever 1020. In response to the user's request, the digital lottery issuing server 1010 of the digital lottery managing system 1000 issues the digital lottery and downloads the digital lottery to the user's mobile terminal. Information on the issued digital lottery is stored and managed in the database 1050 of the digital lottery managing system. The user downloads the digital lottery on the user's mobile terminal and transmits data on the digital lottery to the data read device 1040. Since the data read device 1040 has the same construction as the digital card read device of FIG. 9, redundant description thereof is omitted. Namely, the data read device 1040 receives the data on the digital lottery from the mobile terminal via the signal sensing unit. The received data is read by the control unit. The read data is transmitted via the data transmission unit to the lottery winning authentication server 1020 of the digital lottery managing system in order to authenticate winning of the lottery. When the result information on the winning is transmitted from the lottery winning authentication server, the result output unit (not shown) like the receipt output unit 920 or the display unit 940 outputs the result of winning of the lottery . On the other hand, the lottery winning authentication server 1020 may transmits the result of winning of the lottery by using a short massage server (SMS) or the like to the wining user's mobile terminal. According to the fourth embodiment, since there is no need for fabricating a lottery paper, it is possible to prevent the lottery from being lost or stolen.
(Fifth Embodiment) Now, a construction and operation of a door locking device using a digital card according to a fifth embodiment of the present invention will be described in detail with reference to FIG. 11. In the embodiment, a password, which is constructed in a form of the aforementioned digital card, (hereinafter, referred to as a digital key) is loaded on a user's mobile terminal. FIG. 11 is a view showing an overall construction of a door locking system using a digital key according to the fifth embodiment. Referring to FIG. 11, the door locking system comprises a user's mobile terminal 1110, a digital key issuing server 1100 for downloading the digital key to the user's mobile terminal, and a door locking device 1120 for reading the digital key to unlock a door. When the user is authenticated, the digital key issuing server 1100 receives the password input by the user. The digital key issuing server encrypts the input password to generate a predetermined form of data file. The data file is downloaded as a digital key to the user's terminal. The user operates the door locking device 1120 by using the digital key downloaded on the user's mobile terminal . As shown in FIG. 12, the door locking device 1120 comprises a signal sensing unit 1200, a control unit 1210, a memory 1220, and a key input unit 1230. Firstly, the user sets the password, which is the same as the digital key, by using keys 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. Now, operations of the door locking device according to the fifth embodiment will be described. Firstly, when the user selects and executes the digital key, a predetermined optical signal is output by controlling an operation of the backlight of the user's mobile terminal in accordance with the data included in the digital key. Next, the optical signal corresponding to the digital key from the user's mobile terminal is input to the signal sensing unit, the signal sensing unit 1200 converts the input optical signal into an electrical signal and transmits the electrical signal to the control unit. The control unit compares the password set to the memory with the data corresponding to the signal transmitted from the signal sensing unit. If the signal matches with the password, the door lock device is unlocked . According to the present invention, since a user can load a digital key capable of unlocking a door locking device to the user's mobile terminal, there is no need for memorizing an additional password and carrying a physical key.
(Sixth Embodiment) Now, a construction and operations of a payment system using a digital card adaptable to issuing and using a digital gift certificate according to a sixth embodiment of the present invention will be described in detail with reference to FIG. 13. The payment system according to the sixth embodiment is a payment system capable of issuing and using a gift certificate (hereinafter, referred to as a digital gift certificate) , which is constructed in a form of the aforementioned digital card, FIG. 13 is a view showing an overall construction of the payment system according to the sixth embodiment of the present invention. Referring to FIG. 13, the payment system comprises a gift certificate managing system 1300, a mobile terminal 1340 for loading the digital gift certificate, a digital card read device 1350, and a computer for receiving data from the digital card read device. The gift certificate managing system comprises a digital gift certificate issuing server 1310, a usage-history checking server 1320, a usage authentication server 1330, and a database 1370 Firstly, the digital gift certificate loaded on the user's mobile terminal consists of an image file of a gift certificate and a data file storing encrypted information on the gift certificate such as an issuing company and an amount of money. In response to the user's request, the gift certificate issuing server 1310 downloads the digital gift certificate to the user's mobile terminal. When the user requests the gift certificate issuing sever to download the digital gift certificate to a third party's mobile terminal, the gift certificate issuing server downloads the digital gift certificate to the third party's mobile terminal under the third party's agreement The user accesses the history checking server 1320 to retrieve usage history and currently remaining amount of money of the digital gift certificate loaded on the user's mobile terminal. When the user intends to use the digital gift certificate, the usage authentication server 1330 performs a usage authentication on the digital gift certificate through the digital card read device 1350 and the computer 1360, On the other hand, in order to use the digital giftcertificate loaded on the user's mobile terminal, the user sends the data on the digital gift certificate from the user's mobile terminal to the digital card read device. The digital card read device comprising an internal interface unit transmits the digital gift certificate received from the user's mobile terminal to the computer via the interface unit. The interface unit may include a USB interface and other interface means for communicating with the computer. The computer accesses the usage authentication server 1330 via a network such as the Internet to request the usage authentication server to performing the usage authentication of the user's digital gift certificate. If the usage authentication is obtained, the associated information is transmitted to the computer. In an alternative embodiment, the digital card read device may further comprise a network-accessing unit for accessing a network. Therefore, the digital card read device can directly access the usage authentication server 1330 without the computer in order to request for the usage authentication of the digital gift certificate and receive the result of usage authentication.
INDUSTRIAL APPLICABILITY According to the present invention, it is possible to load various types of cards such as a credit card, a debit card, and an ID card in a form of a digital card to a user's mobile terminal. As a result, without carrying all the real cards, the corresponding digital card can be conveniently used at any time and place. In addition, since there is no need for carrying the real cards, it is possible to prevent the cards from being lost or stolen. In addition, if the password of the card is not known, the digital card loaded on the mobile terminal cannot be used. Therefore, the digital card loaded on the mobile terminal guarantees higher security than a conventional card. In addition, since the user can load all the cards on the user's mobile terminal, it is possible to integrally manage all the cards. In addition, at the time of the mobile terminal being lost, if the user only informs a digital card issuing and managing agent, loss reporting and card re-issuing can be completed.

Claims

1. A payment system for loading a digital card having the same functions as a credit card on a user's mobile terminal and using a digital card as the credit card, comprising: an issuing authentication server for issuing a digital card consisting of a predetermined image file and a data file storing encrypted credit card information; a mobile terminal for storing the digital card downloaded from the issuing authentication server in a memory and outputting an optical signal corresponding to the data file of the digital card by controlling an optical signal source of the mobile terminal; a digital card read device for sensing the optical signal output from the mobile terminal, converting the sensed optical signal to an electrical signal, and outputting the electrical signal; and a payment terminal for requesting a VAN company to perform a credit card payment by using the electrical signal output from the digital card read device.
2. The payment system according to claim 1 further comprising a transaction authentication server, wherein, in a case where the user makes a payment by using the digital card, the transaction authentication server is accessed by the mobile terminal, the payment terminal, a VAN company server, or a credit card company server to perform a transaction authentication.
3. A digital card issuing server of loading an issued digital card on a user's mobile terminal, comprising: a digital card issuing unit for receiving credit card information from a credit card company server in response to a user's request and issuing a digital card consisting of a data file storing encrypted credit card information and an image file of the corresponding credit card; a downloading unit for downloading the issued digital card to the user's mobile terminal; and a database for storing and managing information on the issued digital card and the user.
4. An integrated mileage managing system using a digital card to allow a plurality of card-affiliated companies to use an integrated mileage card, comprising: a card issuing server for issuing the integrated mileage card consisting of a predetermined image file and data file storing encrypted card information; a mobile terminal for storing the integrated mileage card downloaded from the card issuing server and outputting an optical signal corresponding to information on the integrated mileage card in response to the user's request; a digital card read device for sensing the optical signal output from the mobile terminal, converting the sensed optical signal to an electrical signal, and outputting the electrical signal; and a mileage integration server for receiving information on the integrated mileage card and a to-be- accumulated mileage score from the digital card read device, reducing the to-be-accumulated mileage score to a mileage in accordance with a predetermined method, and adding the reduced mileage to the integrated mileage of the integrated mileage card, wherein the mileages accumulated by the plurality of card-affiliated companies are integrally managed by using the integrated mileage card loaded on the user's mobile terminal.
5. The integrated mileage managing system according to claim 4, wherein the mileage integration server receives information on the integrated mileage card and a to-be- used mileage score from the digital card read device and subtracts the to-be-used score from the integrated mileage of the integrated mileage card.
6. The integrated mileage managing system according to claim 4, wherein the digital card read device comprises: a signal sensing unit for sensing the optical signal output from the mobile terminal, converting the sensed optical signal to the electrical signal, and outputting the electrical signal; and a data transmission unit for externally transmitting the electrical signal output from the signal sensing unit.
7. The integrated mileage managing system according to claim 4 further comprising a computer connected to the digital card read device, wherein the computer transmits information on the integrated mileage card and the associated mileage score transmitted from the digital card read device to the mileage integration server.
8. An ID card issuing system using a digital ID card, comprising : a card issuing sever for issuing a digital ID card consisting of a predetermined image card and a data file storing encrypted personal identification information; a mobile terminal for storing the digital ID card downloaded from the card issuing server and externally outputting an optical signal corresponding to information on the digital ID card in response to the user's request; and a digital card read device for sensing the optical signal output from the mobile terminal, converting the sensed optical signal to an electrical signal, and outputting the electrical signal externally or on a display screen of the mobile terminal.
9. The ID card issuing system according to claim 8, further comprising a computer connected to the digital card read device, wherein the computer receives a signal from the digital card read device, reads the received signal, and outputs the information on the digital ID card or associated history information stored in an internal database together with the information on the digital ID card on the display screen.
10. A digital card read device comprising: a control unit for controlling overall operations of the digital card read device; a signal sensing unit for sensing an optical signal output from a mobile terminal, converting the sensed optical signal to an electrical signal, and outputting the electrical signal; a network interface unit for accessing an external network; a data transmission unit for transmitting the signal output from the signal sensing unit to an external management server or receiving predetermined data from the external management server by using the network interface unit under the control of the control unit; and a receipt output unit for outputting a receipt by using the data transmitted form the data transmission unit under the control of the control unit.
11. The digital card read device according to claim 10, further comprising a key input unit for allowing the user to input keys.
12. The digital card read device according to claim 10, wherein the signal sensing unit senses an acoustic signal output from the mobile terminal, converts the sensed acoustic signal into an electrical signal, and output the electrical signal.
13. A digital lottery issuing system for issuing a digital lottery and conforming winning of the issued lottery, comprising: a digital lottery issuing server for issuing the digital lottery consisting of a predetermined image file and a data file storing encrypted a lottery number; a mobile terminal for storing the digital lottery downloaded from the digital lottery issuing server and outputting an optical signal corresponding to the data file of the digital lottery to inquire the winning of the digital lottery; a digital card read device for sensing the optical signal outputting the mobile terminal, converting the sensed optical signal into an electrical signal, and externally outputting the electrical signal; and a lottery winning authentication server for receiving information on the digital lottery from the digital card read device, checking the winning of the digital lottery, and transmitting the checking result to the digital card read device.
14. A door locking device for unlocking a door by using a mobile terminal, comprising: a memory for storing a predetermined password of the door locking device; a signal sensing unit for sensing a signal output form the mobile terminal, converting the sensed signal into an electrical signal,. and outputting the electrical signal; and a control unit for comparing the electrical signal output from the signal sensing unit with the password stored in the memory and unlocking the door if the electrical signal matches with the password.
15. A door locking system comprising: a digital key issuing server for issuing a digital key consisting of a data file storing encrypted data of password input by a user; a mobile terminal for storing the digital key downloaded from the digital key issuing server and outputting information on the data file of the digital key in a predetermined signal form in accordance with the user's command; and a door locking device for unlocking a door by using the mobile terminal, wherein the door locking device comprises: a memory for storing a predetermined password of the door locking device; a signal sensing unit for sensing a signal output form the mobile terminal, converting the sensed signal into an electrical signal, and outputting the electrical signal; and a control unit for comparing the electrical signal output from the signal sensing unit with the password stored in the memory and unlocking the door if the electrical signal matches with the password.
16. The door locking system according to claim 15, wherein the signal output from the mobile terminal has a form of an optical or acoustic signal, and wherein the signal sensing unit of the door locking device senses the optical or acoustic signal.
17. A recording media recording a program readable by a computer or mobile terminal, wherein the program executes : (a) a step of, when a user selects a card menu, displaying kinds of digital cards loaded on the mobile terminal on a screen of the mobile terminal; (b) a step of, when the user selects one of the digital cards displayed on the screen, displaying an image file corresponding to the selected digital card; (c) a step of identifying the user; and (d) a step of, when the user is identified, outputting information on a data file of the digital card in a predetermined signal form.
18. The recording media according to claim 17, wherein the signal output in the step (d) has a form of an optical or acoustic signal.
19. The recording media according to claim 17, wherein in the step (c), the user is requested to input a password and, if the password input by the user matches with a predetermined password, the user is identified.
20. The recording media according to claim 17 or 19, wherein, in the step (c), the user is requested to input biometric recognition information and, if the biometric recognition information input by the user matches with predetermined information, the user is identified.
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