KR100519828B1 - Pass Card Issue System by Using White List and Method Thereof - Google Patents

Abstract

The present invention applies for issuance of a traffic card to a card issuing server so as to pay a traffic fee for a smart card in which a unique number and a white list access key are stored, and a white list in which the credit status of the smart card is confirmed at the card issuing server. In preparation for issuance of a traffic card sent to a traffic terminal, when the user pays for a traffic fee with a smart card, the traffic terminal uses the white list to check the white list of the smart card to issue a traffic card and pay the traffic fee. It relates to a card issuing system and a method thereof. The traffic card issuing system 100 according to the present invention includes a smart card 110, a client computer 112, a traffic terminal 120, a communication network 130, a financial institution server 120, a card issuing server 150, and the like. Has a configuration. According to the present invention, a user can pay a traffic fee using a smart card even during a preparation period for issuing a traffic card to a smart card. In addition, there is no need to go directly to a financial institution or a card issuing center to issue a traffic card for the smart card.

Description

Pass Card Issue System by Using White List and Method Thereof}

The present invention relates to a traffic card issuing system using a white list and a method thereof. More specifically, to issue a traffic card to the card issuing server so that the transportation fee can be paid for the smart card stored with the unique number and the white list access key, the credit card status of the smart card is In preparation for issuance of a traffic card that transmits the confirmed white list to the traffic terminal, when the user pays the traffic fee with the smart card, the traffic terminal checks the white list of the smart card to issue a traffic card and pay the traffic fee. The present invention relates to a traffic card issuing system using a white list and a method thereof.

Smart cards are widely used as a means of recording, identifying, and paying information in all areas of society such as communication, finance, education, administration, and transportation.

Smart cards can be classified into various categories according to their classification criteria, but IC chips can be classified into contact cards, contactless cards, and combined cards according to the way data is read from the card. The contact card refers to a card in which a card is activated by contacting a card contact with a contact of an interface device when inserted into an interface device (card reader or reader) that accommodates the card. In the contactless card, the computing and memory elements required for the information processing function are the same as the contact card. However, the power supply for driving the IC chip in the card is provided through a coil (RF antenna) in the card, and the electronic device communicates with the interface device. It is a type of card using an induction method (induction electromotive force). The combined card supports the functions of both a contact card and a contactless card. A representative Combi card is a card configured to share parts that a contact / contactless card can share in one card.

The transportation card, which is one of the applications of the smart card, was initially used as a prepaid electronic money, and a non-contact card in the form of a plastic card having an IC chip and an antenna built in. Such a prepaid non-contact transportation card is used to charge a charge at a charging station. You pay in advance to store (charge) the amount on the card, and whenever you use a transportation method, the card is contacted to the card reader (traffic meter) and communicated wirelessly, so that the transportation fee It was to be subtracted.

As such, the prepaid electronic money in the form of a plastic card has a inconvenience that a user must separately prepare and carry a card, and have to go to a charging station in order to charge an amount of money in the card. Against this backdrop, transportation card-based credit cards with built-in contactless IC chips have emerged, which allow postpayment of transportation charges by credit. In the case of adopting postpaid payment, it is possible to conveniently settle the amount of money using a smart card with a transportation card function without visiting a charging station.

When postpay is applied to payment by a smart card with a contactless electronic money function, the card reader recognizes the user identification information by wireless communication with the accessed smart card and transmits it to the management server (card company or financial company, etc.). In this case, the management server collects the amount of use for a predetermined settlement period (eg, monthly) and bills the user.

In order to issue a postpaid transportation card as described above, a user opens an account at a financial institution to add a transportation card function to a smart card, and then visits the card issuing center and applies for issuance of a transportation card for the smart card. . At this time, the card issuing center injects account information into the smart card to issue a traffic card. Through this process, the user cannot use the smart card while issuing a traffic card for the smart card.

In order to solve the above problems, the present invention, by applying for issuance of a traffic card to the card issuing server to pay the traffic fee for the smart card stored the unique number and white list access key, the card issuing server of the smart card When the user prepares to issue a traffic card that transmits a white list whose credit status is confirmed to the traffic terminal, when the user pays the traffic fee with the smart card, the traffic terminal checks the white list of the smart card to issue a traffic card and pay the traffic fee. An object of the present invention is to provide a transportation card issuing system using the white list and a method thereof.

In order to achieve the above object, the present invention provides a traffic card issuing system for wirelessly issuing a traffic card and paying a traffic fee, wherein a unique number and a white list access key for issuing the traffic card are stored. A smart card for wirelessly transmitting the unique number for payment of a fee; A card issuing server that performs card management and card authentication, including issuance of the smart card to the smart card; A memory pack having the white list stored therein, and wirelessly communicating with the smart card based on the white list stored in the memory pack to check the white list access key stored in the smart card to issue the traffic card. A traffic terminal for executing a payment for the traffic fee; A financial company server that checks the credit status of the smart card, generates a white list, transmits the card to the card issuing server, and permits issuance of the traffic card to the smart card; And a communication network providing a communication path for communication between the traffic terminal, the financial company server, and the card issuing server.

In addition, according to a second object of the present invention, a mobile terminal having a traffic card function using a white list for wirelessly requesting issuance of a traffic card and wirelessly paying a traffic fee, and having a unique number for issuing the traffic card And a smart card storing data including a white list access key; A program that not only performs a telephone call wirelessly but also wirelessly transmits a unique number of the smart card when wirelessly paying a traffic fare, and wirelessly transmits the white list access key when the traffic card is not issued. Memory; A key input unit including a number button for inputting a telephone number, a letter button for displaying text for inputting text data, and a selection button for selecting a menu; An LCD display unit which displays an overall operating state of the mobile terminal, including a degree of use of power, a reception intensity of radio waves, a date and time, and displays an execution state of the traffic card function on a screen; A card socket unit providing a connection path such that each terminal of the smart card is electrically connected to an internal configuration of the mobile terminal when the smart card is mounted on the mobile terminal; A microprocessor that wirelessly transmits a unique number of the smart card at the time of wireless payment of a traffic fee, and wirelessly transmits the white list access key when the smart card is not in a traffic card state; And it provides a mobile terminal having a traffic card function using a white list, characterized in that it comprises a wireless communication unit for transmitting and receiving data in addition to performing a telephone call with the mobile communication network wirelessly.

According to a third object of the present invention, there is provided a traffic card issuing system for wirelessly issuing a traffic card and paying a traffic fee, and storing data including a unique number and a white list access key for issuing the traffic card. Smart card; The smart card is mounted therein, and the wireless number of the smart card is transmitted wirelessly when the traffic fee is settled wirelessly, and when the traffic card of the smart card is not issued, the mobile device transmits the white list access key wirelessly. terminal; A card issuing server that performs card management and card authentication, including issuance of the smart card to the smart card; A memory pack having the white list stored therein, and wirelessly communicating with the smart card based on the white list stored in the memory pack to check the white list access key stored in the smart card to issue the traffic card. A traffic terminal for executing a payment for the traffic fee; A financial company server that checks the credit status of the smart card, generates a white list, transmits the card to the card issuing server, and permits issuance of the traffic card to the smart card; And a communication network providing a communication path for communication between the traffic terminal, the financial company server, and the card issuing server.

In addition, according to a fourth object of the present invention, there is provided a traffic card issuing method using a white list for issuing a traffic card and paying a traffic fee wirelessly, wherein the traffic card for the smart card is stored with a unique number and a white list access key. A first step of requesting issuance; A second step of authorizing the issuance of the traffic card to the smart card; A third step of paying the traffic fee with the smart card; A fourth step of confirming that the smart card is not issued; A fifth step of wirelessly transmitting the white list access key from the smart card; And a sixth step of issuing the traffic card to the smart card based on the white list access key to settle the traffic fee.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. First of all, in adding reference numerals to the components of each drawing, it should be noted that the same reference numerals are used as much as possible even if displayed on different drawings. In addition, in describing the present invention, when it is determined that the detailed description of the related well-known configuration or function may obscure the gist of the present invention, the detailed description thereof will be omitted.

In the present invention, the white list is a list of unique numbers for those who have no late payment or good credit.

According to the present invention, when a user purchases a smart card stored with a unique number and a white list access key, and applies for issuing a traffic card for a smart card to a card issuing server so that the traffic fee can be paid with the smart card. In addition, the card issuing server checks the credit status of the user with a financial institution, generates a white list, and permits issuance of a traffic card to the smart card. At this time, the card issuing server transmits the white list of the traffic card for the smart card to the financial institution and the traffic terminal. When the user pays the transportation fee with the smart card in preparation for issuance of the smart card, the terminal can check the permit of issuance of the traffic card through the white list access key stored in the smart card and issue the traffic card and pay the traffic fee. It is.

1 is a block diagram schematically showing the configuration of a traffic card issuing system using a white list according to an embodiment of the present invention.

The traffic card issuing system 100 according to the present invention includes a smart card 110, a client computer 112, a traffic terminal 120, a communication network 130, a financial institution server 120, a card issuing server 150, and the like. Has a configuration.

The smart card 110 is a card in which a unique number and a white list access key are stored. Physically attaches an IC chip with 10 MB or more of integrated memory on a single plastic card, has the same magnetic stripe as the current system, and incorporates an RF chip and antenna that can read data by radio waves. do.

The client computer 112 is a terminal used by a user who purchases or possesses the smart card 110 to apply for issuance of the smart card 110 to the transportation card. The user accesses the card issuing server 150 by using the client computer 112 and transmits the unique number of the smart card 110 to the card issuing server 150 to request issuance of the traffic card of the smart card 110. Done.

The traffic terminal 120 includes a memory pack in which a white list is stored, and wirelessly communicates with the smart card 110 based on the white list stored in the memory pack and is stored in the smart card 110. It is a terminal that checks the white list access key and immediately issues a traffic card to perform payment for a traffic fee.

The communication network 130 is a communication network providing a communication path between the traffic terminal 120, the financial company server 120, and the card issuing server 150, and includes a dedicated line or the Internet.

The financial institution server 140 checks the credit status of the smart card 110 to generate a white list, and then permits issuance of a traffic card to the smart card 110. In this case, the financial institution server 120 generates and stores a white list of the traffic card for the smart card 110.

The card issuing server 150 is a server that is provided to a card issuing company and performs card issuance, card management, card authentication, and the like for a credit card or a transportation card. The card issuing server 150 manages the black list and the white list according to the type of the card, and transmits the black list and the white list to each traffic terminal 120 online every predetermined period of time. Update the white list in the memory pack. The card issuing server 150 also has a web page for the client computer 112 to access. The card issuing server 150 provides an input form in the form of a web page so that a user inputs a unique number of the smart card 110 through the client computer 112 to apply for issuance of a traffic card, and from the client computer 112. When the unique number is input, the financial company server 140 transmits the unique number to inform the status of issuance of the traffic card for the smart card (110). At this time, the card issuing server 150 transmits the white list access key for the smart card 110 to the financial institution server 140.

2 is a configuration diagram illustrating an exterior front of the smart card 110.

As shown in FIG. 2, the smart card 110 displays a card insertion direction indication, an IC chip, a card number, an expiration date, a holder's name, a purpose of using the card, a hologram, a credit card authorization destination, and the like. The IC chip has an ID area to be used by the card issuing server 150, which is a smart card provider, and has a common area of financial institutions, a common area of public institutions, and other common institutions. In addition, by setting a unique area for each affiliated organization, a number of organizations can share the smart card 110 according to the present invention.

3 is a configuration diagram showing the inner configuration of the smart card 110.

As shown in FIG. 3, the inner surface of the smart card 110 includes a contactless (RF) chip and an antenna. The contactless chip has a flash memory to share the memory with the IC chip. The antenna is doubled so that there is no problem reading data even if one is broken. Of course, two or more antennas can be used.

4 is a configuration diagram illustrating a rear configuration of the smart card 110.

As shown in FIG. 4, the rear surface of the smart card 110 is printed with the magnetic stripe and precautions regarding the use of the card, a detailed guide on the use of the card, and the like. Instructions for using the card include a contact telephone number and a lost telephone number.

5 is a configuration diagram schematically illustrating a flash memory configuration of the smart card 110.

As shown in FIG. 5, the flash memory of the smart card 110 is divided into a common area part, a master area part, and an individual engine area part. In the common area, the ID of the card itself, the ID of the holder, the matter of transaction information using the card, and other matters necessary for operating the card are recorded. In the master area, services are categorized by industry, such as financial institutions, public institutions, transportation agencies, distribution agencies, etc., and the necessary information is recorded. In the area of individual agencies, the necessary information is recorded for each individual affiliated company (company), such as a specific bank or insurance company. In particular, a white list access key storage unit is provided in the master area unit, and the white list access key storage unit records a white list access key for the traffic terminal 120 to refer to when issuing a card.

6 is a configuration diagram schematically showing an internal configuration of a mobile terminal to which a smart card according to the present invention is applied.

According to the present invention, the mobile terminal 600 to which the smart card 630 is applied includes a program memory 602, a key input unit 604, an LCD display unit 606, a data storage unit 608, a mode state storage unit 610, Web album storage unit 612, subscriber information storage unit 614, microprocessor 616, DSP (Digital Signal Processor) 618, baseband converter 620, speaker 622, microphone 624, It has a configuration including an antenna 626, an RF signal processing unit 628 and the like.

The program memory 602 wirelessly performs a phone call using a mobile communication network, and wirelessly transmits a unique number of a smart card when a traffic fee payment request is requested from the traffic terminal 120, and white when a traffic card is not issued. A communication program for transmitting the list access key wirelessly is stored.

The key input unit 604 is provided with a numeric button for inputting a telephone number, a character button displaying a character for inputting text data, a selection button for selecting a menu, and the like.

 The LCD display unit 606 displays the overall operation state of the mobile terminal 600, including the degree of use of power, the reception intensity of radio waves, the date and time, and also displays the execution state of the traffic card function on the screen.

The data storage unit 608 serves as a data buffer when the mobile terminal 600 operates, and stores data received from the key input unit 604 or data received from the outside by the mobile terminal 600.

The mode state storage unit 610 stores the operation mode of the current terminal selected by the key input unit 604 as a state flag.

When the smart card 630 is mounted on the mobile terminal 600, the card socket 612 provides a connection path such that each terminal of the smart card 630 is electrically connected to an internal configuration of the mobile terminal 600. .

Subscriber Identity Module (SIM) 614 stores subscriber terminal registration information. Here, the subscriber station registration information is a unique number assigned to each subscriber station in the mobile communication network, and the subscriber information storage unit 614 is to be inserted in the form of a card. Since this is a general content used in a mobile communication network, a description thereof will be omitted.

The microprocessor 616 controls the operation of the mobile terminal 600 with reference to the state flag stored in the mode state storage unit 610. In particular, the microprocessor 616 wirelessly transmits the unique number of the smart card 630 when the traffic fee payment is requested from the traffic terminal 120, and the white list access key when the smart card 630 is not issued as a traffic card. To wirelessly transmit to the traffic terminal 120.

When the call connection request command is input by the key input unit 604, the microprocessor 616 transfers the call connection request data to the baseband conversion unit 620 (TX DATA).

The DSP 618 performs an audio data processing function of encoding or decoding audio data SPEECH exchanged with the baseband converter 620 and an equalizing function for removing noise of a multipath. Digital signal processing processor to perform the. In addition, the DSP 618 receives the reception message data RX DATA from the baseband converter 620.

The baseband converter 620 converts signals transmitted and received with the speaker 622, the microphone 624, and the RF signal processor 630 into baseband signals, and functions such as digital-to-analog conversion and analog-to-digital conversion processing. Do this. Accordingly, the baseband converter 620 converts the audio data received from the DSP 618 into an audio signal and outputs the audio signal to the speaker 622, or converts the audio signal input from the microphone 624 into audio data and converts the audio data into the DSP. 618).

In addition, the baseband converter 620 converts the transmission message data TX DATA input from the microprocessor 616 into a transmission message signal TXIQ and outputs it to the RF signal processor 628 or the RF signal processor 628. The received message signal RXIQ, which is inputted from the RXQ, is converted into the received message data RX DATA and output to the DSP 618. In addition, the baseband converter 320 automatically controls the gain for the power POWER of the RF signal processor 628 (AGC).

 The speaker 622 outputs an audio signal output from the baseband converter 620 as an audible sound, and the microphone 624 converts a user's voice input into an audio signal.

The RF signal processing unit 628 converts a transmission message signal into a radio frequency (RF) signal and outputs it to the antenna 626, or converts an RF signal applied from the antenna 626 into a reception message signal RXIQ and converts it into baseband. Output to the unit 320. The antenna 626 transmits an RF signal to the air or transmits an RF signal received from the air to the RF signal processor 628.

The smart card 630 stores data including a unique number (unique identifier information) and a white list access key, and is compactly configured to be mounted inside the mobile terminal 600.

In the configuration of the mobile terminal 600 described above, the subscriber information storage unit 614, the digital signal processing unit 618, the baseband conversion unit 620, and the RF signal processing unit 328 are represented by a wireless communication unit, and the speaker 322 ) And the microphone 324 may be represented as an audio unit.

7 is a schematic diagram illustrating an internal configuration of a smart card 630 mounted in the mobile terminal 600.

The smart card 630 shown in FIG. 7 includes an IC chip 710 that stores data including a unique number and a white list access key, and a terminal connection terminal connecting the smart card 630 to the microprocessor 616. 720 and the RF connection terminal 730 for connecting the smart card 630 to the RF signal processor 628.

The IC chip 710 is a smart chip used for a conventional smart card, preferably a contactless IC chip, and has a structure in which a plurality of data including a unique number and a white list access key described in FIG. 5 are stored.

The terminal connection terminal 720 is a terminal electrically connected to the card socket 612 when the smart card 630 is mounted on the mobile terminal 600. The smart card 630 is connected to the microprocessor 616 of the mobile terminal 600 through the terminal connection terminal 720 to transmit and receive data and signals with the microprocessor 616.

The RF connection terminal 730 is a terminal connected to the RF signal processing unit 628 terminal of the mobile terminal 600 when the smart card 630 is mounted on the mobile terminal 600. The smart card 630 transmits and receives fee payment information and / or card issuing information to and from the traffic terminal 120 through the RF signal processor 628 connected to the RF connection terminal 730.

Next, the operation of the traffic card issuing system 100 configured as described above will be described.

8 is a flowchart illustrating a card issuing approval process in a traffic card issuing method using a white list according to an embodiment of the present invention.

First, the card business operating the card issuing server 150 when manufacturing the smart card 110, as shown in Figure 5, a plurality of data including the unique number and the white list access key of the smart card 110 as shown in FIG. Enter and save.

A consumer or user who wants to use the smart card 110 purchases a smart card 110 that stores a plurality of data including a unique number and a white list access key through a general distribution process.

The user who purchases the smart card 110 accesses the card issuing server 150 using the client computer 112 to issue a traffic card (S802).

The card issuing server 150 provides a web page for the card issuing service to the client computer 112 connected through the communication network 130 (S804). Here, the web page for the card issuing service includes a plurality of menus for applying for a function such as a traffic card, an access card, an identification card, etc. to the smart card 110 including a login.

The user selects a traffic card application menu for issuance of a traffic card of the smart card 110 on the web page for the card issuing service after the normal login process (S806).

When the card issuing server 150 selects a traffic card application menu from the client computer 112, the card issuing server 150 provides a form for inputting a unique number of the smart card 110 as a web page (S808).

The user manipulates the client computer 112 and inputs the unique number recorded in the smart card 110 (S810).

When the unique number of the smart card 110 is input from the client computer 112, the card issuing server 150 stores the unique number and processes it as a traffic card, and the issuance of the traffic card to the client computer 112 is completed. Notify provides a web page (S812).

The card issuing server 150 transmits the unique number, the white list, and the black list of the smart card 110 to the financial company server 140 and the traffic terminal 120 (S814).

The traffic terminal 120 updates and stores the white list and the black list received from the card issuing server 150 in the memory pack and adds the unique number of the smart card 110 to the traffic card list.

Subsequently, when the user possesses the smart card 110 or the mobile terminal 600 and uses the means of transportation, when the user pays the traffic fee through the smart card 110 or the mobile terminal 600, the smart card 110 or The mobile terminal 600 approaches the traffic terminal 120.

9 is a flowchart illustrating a card issuance and a fare payment process in a traffic card issuing method using a white list according to an embodiment of the present invention.

The traffic terminal 120 transmits a signal requesting a unique number to the smart card 110 or the mobile terminal 600 for payment of a traffic fee for the smart card 110 or the mobile terminal 600.

In contrast, the smart card 110 or the mobile terminal 600 transmits a unique number wirelessly. The traffic terminal 120 receives a unique number from the smart card 110 or the mobile terminal 600 (S902).

The traffic terminal 120 determines whether the received unique number exists in the traffic card list (S904). At this time, when the smart card 110 is ready for issuance in a non-issued state with a traffic card, it is not yet recorded in the traffic card list of the traffic terminal 120. Therefore, the traffic terminal 120 transmits an error signal to the smart card 110 or the mobile terminal 600 when the unique number does not exist in the traffic card list (S906).

The smart card 110 or the mobile terminal 600 receiving the error signal from the traffic terminal 120 wirelessly transmits the white list access key stored in the white list access key storage unit to the traffic terminal 120.

The traffic terminal 120 receives the white list access key from the smart card 110 or the mobile terminal 600 (S910), and determines whether the received white list access key is included in the white list stored in the memory pack. (S912).

If the white list access key received from the smart card 110 or the mobile terminal 600 is included in the white list, the traffic terminal 120 issues issuance of a traffic card to the smart card 110 or the mobile terminal 600. Execution and transmits a signal for payment confirmation (S914).

Subsequently, the traffic terminal 120 transmits the white list access key and the traffic fee information of the smart card 110 or the mobile terminal 600 to the financial institution server 140.

On the other hand, in step S906, when the unique number received from the smart card 110 or the mobile terminal 600 is present in the traffic card list, the traffic terminal 120 is the smart card 110 or the mobile terminal 600 traffic Recognizing a state issued by the card, and pays the transportation fee and transmits a payment confirmation signal to the smart card 110 or the mobile terminal 600 (S916). In addition, the traffic terminal 120 transmits the unique number and traffic fee information of the smart card 110 or the mobile terminal 600 to the financial company server 140.

The financial company server 140 pays for a certain period of time for a deposit account corresponding to the smart card 110 or the mobile terminal 600.

According to the present invention, a smart card stored with a unique number and a white list access key applies for issuance of a traffic card to a card issuing server so as to pay a traffic fee, and the card issuing server checks the credit status of the smart card white. In preparation for issuance of a traffic card that transmits the list to the traffic terminal, when the user pays for the traffic with the smart card, the user can check the white list of the smart card to issue a traffic card and issue a white list. The used transportation card issuing system and method can be realized.

The above description is merely illustrative of the technical idea of the present invention, and those skilled in the art to which the present invention pertains may make various modifications and changes without departing from the essential characteristics of the present invention. Therefore, the embodiments disclosed in the present invention are not intended to limit the technical idea of the present invention but to describe the present invention, and the scope of the technical idea of the present invention is not limited by these embodiments. The protection scope of the present invention should be interpreted by the following claims, and all technical ideas within the equivalent scope should be interpreted as being included in the scope of the present invention.

As described above, according to the present invention, a user may pay a traffic fee by using a smart card even during an issuance preparation period in which issuance of a traffic card to a smart card is in progress. In addition, there is no need to go directly to a financial institution or a card issuing center to issue a traffic card for the smart card.

1 is a block diagram schematically showing the configuration of a traffic card issuing system using a white list according to an embodiment of the present invention;

2 is a configuration diagram showing the front appearance of the smart card;

3 is a block diagram showing an inner configuration of a smart card;

4 is a configuration diagram showing a rear configuration of a smart card;

5 is a configuration diagram schematically showing a flash memory configuration of a smart card;

6 is a schematic view showing an internal configuration of a mobile terminal to which a smart card according to the present invention is applied;

7 is a schematic view showing the internal configuration of a smart card mounted on a mobile terminal;

8 is a flowchart illustrating a card issuing approval process in a traffic card issuing method using a white list according to an embodiment of the present invention;

9 is a flowchart illustrating a card issuance and a fare payment process in a traffic card issuing method using a white list according to an embodiment of the present invention.

※ Explanation of codes for main parts of drawing

100: transportation card issuing system 110: smart card

120: traffic terminal 130: communication network

140: financial company server 150: card issuing server

600: mobile terminal 602: program memory

604: key input unit 606: LCD display unit

608: data storage unit 610: mode state storage unit

612: card socket 614: subscriber information storage

616: microprocessor 618: digital signal processing unit

620: baseband converter 622: speaker

624: microphone 626: antenna

628: RF signal processor 630: smart card

Claims (28)

A traffic card issuing system for wirelessly issuing a traffic card and paying a traffic fee. A smart card storing a unique number necessary for payment of the traffic fare and a white list access key required for issuing the traffic card, and wirelessly transmitting the unique number and the white list access key; A card issuing server that performs card management and card authentication, including issuance of the smart card to the traffic card; A memory pack having a white list indicating those who have no payment delinquency or good credit status, and wirelessly communicate with the smart card based on the white list stored in the memory pack to store in the smart card A traffic terminal which checks the white list access key, executes issuance of the traffic card, and performs payment for the traffic fee; A financial company server that checks the credit status of the smart card, generates a white list, transmits the card to the card issuing server, and permits issuance of the traffic card to the smart card; And And a communication network providing a communication path for communication between the traffic terminal, the financial company server, and the card issuing server. The method of claim 1, And a client computer for accessing the card issuing server and applying for issuance of the traffic card to the smart card. The method of claim 2, And the client computer transmits the unique number and the white list access key to the card issuing server and requests for issuance of a traffic card for the smart card. The method of claim 1, The communication network is a traffic card issuing system using a white list, characterized in that it comprises a dedicated line or the Internet. The method of claim 1, The card issuing server separately manages the black list and the white list with respect to the smart card, and transmits the black list and the white list to the traffic terminal online every predetermined period. Issue system. The method of claim 3, wherein The card issuing server has a web page for the client computer to access, and the client computer inputs an input form in the form of a web page so that the client computer inputs the unique number and the white list access key to apply for issuance of the traffic card. Provided by computer, When the unique number and the white list access key is input from the client computer, the unique number and the white list access key are transmitted to the financial institution server to inform the smart card of the permission state of the traffic card. Traffic card issuing system using a white list. The method of claim 1, The smart card is a traffic card issuing system using a white list, characterized in that the card insertion direction indication, IC chip, card number, expiration date, the name of the holder, the purpose of use of the card, hologram, credit card authorization destination. delete The method of claim 7, wherein The IC chip includes a flash memory having a white list access key storage unit, The white list access key storage unit stores the white list access key for the traffic terminal to refer to when issuing the traffic card. delete delete A mobile terminal having a traffic card function using a white list requesting issuance of a traffic card wirelessly and wirelessly paying a traffic fee A smart card storing data including a unique number and a white list access key for issuing the traffic card; A program that not only performs a telephone call wirelessly but also wirelessly transmits a unique number of the smart card when wirelessly paying a traffic fare, and wirelessly transmits the white list access key when the traffic card is not issued. Memory; A key input unit including a number button for inputting a telephone number, a letter button for displaying text for inputting text data, and a selection button for selecting a menu; An LCD display unit which displays an overall operating state of the mobile terminal, including a degree of use of power, a reception intensity of radio waves, a date and time, and displays an execution state of the traffic card function on a screen; A card socket unit providing a connection path such that each terminal of the smart card is electrically connected to an internal configuration of the mobile terminal when the smart card is mounted on the mobile terminal; A microprocessor that wirelessly transmits a unique number of the smart card at the time of wireless payment of a traffic fee, and wirelessly transmits the white list access key when the smart card is not in a traffic card state; And A mobile terminal having a traffic card function using a white list, characterized in that it comprises a wireless communication unit for transmitting / receiving data in addition to performing a telephone call with a mobile communication network. delete A traffic card issuing system for wirelessly issuing a traffic card and paying a traffic fee. A smart card storing data including a unique number and a white list access key for issuing the traffic card; Mount the smart card therein, and wirelessly transmit the unique number of the smart card when the traffic fee is settled wirelessly, and if the smart card is not issued, the white list access key is wirelessly transmitted. terminal; A card issuing server that performs card management and card authentication, including issuance of the smart card to the traffic card; A memory pack configured to store the white list, and wirelessly communicate with the smart card based on the white list to check the white list access key stored in the smart card to issue the traffic card. A traffic terminal that executes and performs a payment for the traffic fee; A financial company server that checks the credit status of the smart card, generates a white list, transmits the card to the card issuing server, and permits issuance of the traffic card to the smart card; And And a communication network providing a communication path for communication between the traffic terminal, the financial company server, and the card issuing server. The method of claim 14, And a client computer for accessing the card issuing server and applying for issuance of the traffic card to the smart card. The method of claim 15, And the client computer transmits the unique number and the white list access key to the card issuing server and requests for issuance of a traffic card for the smart card. The method of claim 16, The card issuing server has a web page for the client computer to access, and the client computer inputs an input form in the form of a web page to request the issuance of the traffic card by inputting the unique number and the white list access key. Provided by computer, When the unique number and the white list access key are input from the client computer, the unique number and the white list access key are transmitted to the financial institution server to inform the smart card of the permission state of the traffic card. Card issue system using a white list. Issuance of a transportation card for issuing a transportation card and paying a transportation fee wirelessly, A first step of requesting payment of the traffic fare using a smart card storing a unique number and a white list access key; A second step of confirming that the smart card is not issued; A third step of wirelessly transmitting the white list access key from the smart card to a traffic terminal; And issuing the traffic card to the smart card based on the white list access key to settle the traffic fee. The method of claim 18, The first step may include a step 1-1 of accessing a card issuing server using a client computer; Providing a screen for a card issuing service from the card issuing server to the client computer; And And a first to third steps of requesting issuance of the traffic card to the smart card by the client computer selecting a traffic card issuing menu. delete The method of claim 18, The second step, Step 2-1 of the traffic terminal receiving the unique number from the smart card; Step 2-2 of the traffic terminal determining whether the unique number exists in the traffic card list; And And if the unique number does not exist in the traffic card list, transmitting an error signal to the smart card. The method of claim 18, The fourth step may include: receiving a white list access key and determining whether the white list is present in the white list; And If the white list access key is present in the white list, the traffic card using the white list comprises the step 4-2 of executing the issuance of the traffic card to the smart card to settle the traffic fee. Issuance method. The method of claim 18, After the fourth step, the black list and the white list are managed separately for the smart card, and the black list and the white list are transmitted to the traffic terminal online every predetermined period. How to issue a transportation card. The method of claim 19, The card issuing server has a web page for the client computer to access, and the client computer inputs an input form in the form of a web page so that the client computer inputs the unique number and the white list access key to apply for issuance of the traffic card. Provided by computer, When the unique number and the white list access key is input from the client computer, the unique number and the white list access key is transmitted to a financial institution server to inform the permission state of the traffic card for the smart card. How to issue a transportation card using a white list. A traffic card issuing authentication method for wirelessly authenticating a smart card issuance of a smart card using a white list, A first step of connecting to a card issuing server using a client computer; Providing a screen for a card issuing service from the card issuing server to the client computer; A third step of requesting issuance of the transportation card by the client computer selecting a transportation card issuing menu; A fourth step of inputting a unique number and a white list access key of the smart card; A fifth step of providing a screen indicating that the issuance of the traffic card to the smart card is authenticated to the client computer; And And a sixth step of transmitting the card issuing data including the unique number of the smart card and the white list access key to the traffic terminal. A traffic card issuing method for wirelessly issuing a traffic card to a smart card and paying a traffic fee, A first step of the traffic terminal receiving the unique number from the smart card; A second step of the traffic terminal determining whether the unique number exists in the traffic card list; A third step of transmitting an error signal to the smart card when the unique number does not exist in the traffic card list; A fourth step of wirelessly transmitting a white list access key from the smart card to the traffic terminal; A fifth step of determining whether the white list access key received from the smart card exists in a white list; And If the white list access key is present in the white list, issuing a traffic card to the smart card to issue the traffic card; Way. The method of claim 26, The smart card is divided into a black list and a white list and managed by a card issuing server, and the card issuing server transmits the black list and the white list to the traffic terminal online every predetermined period of time. How to issue a transportation card using a list. The method of claim 27, The card issuing server has a web page for a client computer to access, and the client computer inputs an input form in the form of a web page to request the issuance of the traffic card by inputting the unique number and the white list access key. Provided by computer, When the unique number and the white list access key is input from the client computer, the identification number and the white list access key is transmitted to a financial institution server to inform the authentication status of the traffic card for the smart card. How to issue a transportation card using a white list.