UA64847C2 - Method of personifying plastic cards for services - Google Patents

Abstract

The present invention relates to a method of personifying plastic cards for commercial services, such as telephone and telecasting services, bank services, services in paying for goods purchases, and other services. The unpersonified cards are stored in service payment terminals. The terminal transmits the data of the user request for providing defined services via a communication line to the server. The server identifies the terminal that has transmitted the request, checks the request data, forms the data for personifying the user plastic card, and transmits these data to the corresponding terminal. The personification data received by the terminal are recorded to the memory chip of the plastic card. Concurrently, the said data for personifying the user plastic card are transmitted via a communication line to the accounting system of the corresponding organization that provides services with payment by plastic cards. This operation is provided for the possibility to subsequently activate the plastic card by the user. At the server, all the data on personified plastic cards are stored. The proposed method allows the personification of any user plastic card directly when the user applies for services, as well as provides the possibility to simplify the service payment system and the plastic card personification procedure.

Description

of the corresponding billing system, because its memory stores the personalization data of the starter packs of only cards issued to users. Thus, the memory of the billing system of the corresponding operator is used more effectively, with the expansion of its useful volume. Also, this method of personalization ensures the universality of the cards implemented for users, because impersonal cards are stored in a set of corresponding basic terminals, on which at the time of their implementation, personalization data of any starter package for any service can be recorded. Also, the costs of manufacturing, distribution, storage and accounting of cards personalized in this way are reduced, because these actions are performed with a smaller number of cards, and in the average daily circulation there is only the mass of impersonal cards required by the issuing organization, which does not require such harsh conditions for the performance of the specified actions, as with personalized cards at the manufacturing plant. The risk of losing the finished product (personalized cards) is also reduced, because their personalization and acquisition of validity of the finished product is carried out at the time of its sale to users.

Formation and generation with memory entry of personalization data for each card of the corresponding starter package with simultaneous entry of this data into the corresponding billing system in the amount, for example, of the average daily need for them of trading points, or the implementation of operational and differential issuance of cards to meet the full extent of needs users of the services of the relevant organization-issuing cards, also allows to effectively use the memory of the billing system with the expansion of its useful volume in connection with the reduction of hardware costs of this system and a significant reduction of the difference between the issued and actually realized users of personalized cards.

Entry of card personalization data into the relevant billing system from the card personalization data generation and generation server (FGDPK) of the KP server, which also sends to a plurality of card personalization data storage servers (ZDPK) of the KP server, each of which sends the personalization data to a corresponding set of corresponding base terminals , allows you to territorially distribute and redistribute the functions of the KP server to the FGDPK server and the ZDPK servers. And this, in turn, ensures that without changing the general scheme of personalization of cards, a territorially distributed electronic warehouse (multiple servers of ZDPK) of data pro-files of starter packages for personalization of cards can be performed. At the same time, the path of data for card personalization from the nearest electronic warehouse (ZDPK server) to the corresponding trading points, which are made in the form of corresponding basic terminals, is reduced, and the city also has a reduction in the total hardware costs of the KP server for servicing the entire trading network and a reduction in the processing time of each request of the base terminal to the KP server. In addition, the implementation of a territorially distributed electronic warehouse (multiple servers of ZDIPK) and reducing the path of data transmission also allows to ensure high reliability and resilience of the system in general.

The performance of the function of managing the ZDPK servers by one of them through their ring connection allows, in the event of failure of one or more ZDPK servers, to ensure the prompt rerouting of the flow of requests/responses from a set of base terminals that were subordinate to the corresponding failed ZDPK server, to another server or servers of ZDPK. At the same time, one of the ZDPK servers manages this flow rerouting and dynamically redistributes the load to other servers

ZDPK

The identification of the corresponding base terminal by the corresponding server of the ZDPC server and the analysis of its request allows to reduce the processing time of the request of the corresponding base terminal, as well as to increase the overall level of protection of the entire card personalization system against unauthorized actions.

Simultaneous entry of card personalization data from the FGDPK server to the corresponding billing system of the relevant card issuing organization and to a number of ZDPK servers in the amount, for example, of the average daily need for them of trading points, or the implementation of operational and differential issuance of cards to fully satisfy the needs of service users of the corresponding organization-issuing cards, allows you to optimize, i.e. effectively use the memory of the servers of the ZDPK and the billing system of the organization-issuing cards with the expansion of its useful volume in connection with the reduction of hardware costs, at the same time, which is a consequence of a significant reduction of the difference between the issued and actually realized users of personalized cards.

Forming and printing a receipt with a set of personal identification codes, after entering the personalization data in the user card, i.e. at the time when the corresponding card is issued to the user for receiving, corresponding to the properties of the starter package, services in the billing system of the corresponding organization-issuing cards, allows to reduce the risk of unauthorized access to the corresponding billing system.

The above confirms the existence of cause-and-effect relationships between the set of essential features of the claimed invention and the achievable technical result.

This set of essential features allows, in comparison with the prototype for the method of card personalization for receiving services, to ensure the implementation of a territorially distributed system of card personalization, connected by an appropriate computer network, which thereby ensures the personalization of cards at the time of their sale to users. In addition, it provides: reduction of hardware costs of both the relevant billing system of the card issuing organization and the entire personalization system; universality of cards with this method of personalization; reducing the costs of manufacturing, distribution, storage and accounting of cards personalized in this way in the retail network; reducing the risk of losing the finished product (personalized cards).

In the author's opinion, the claimed technical solution meets the criteria of the invention "novelty" and "inventive level", because the set of essential features characterizing the claimable way of personalizing cards for receiving services is new | does not follow clearly from the known prior art.

The claimed invention is explained by a drawing showing the structural diagram of the system, which is implemented by the method of personalizing cards for receiving services.

The method of personalizing cards for receiving services is carried out as follows.

Depersonalized cards are delivered to a number of sales points (user service points), which are made in the form of corresponding basic terminals, or equipped with these terminals. The user orders a card for receiving any service, for example, telephone services, television, banking services or services for paying for goods, etc., at any of these multiple trading points.

The corresponding base terminal through its communication channel requests the card personalization management server to receive the start package of the corresponding service. Next, the personalization management server accepts this request, identifies this base terminal and analyzes its requests. After that, this management server forms and generates personalization data of the start package for this user card and sends them via the communication channel to the corresponding base terminal, where these data are entered into the memory of the card that is sold to the user. This control server sends the personalization data of this starter package via the communication channel to the corresponding billing system of the corresponding organization-issuing cards to ensure their subsequent activation by the card user in this billing system.

In the second embodiment of the card personalization method for receiving services, the functions of the control server are distributed between the card personalization data formation and generation server and a plurality of card personalization data storage servers, each of which performs identification and analysis of requests of a plurality of relevant base terminals subordinate to it. At the same time, the card personalization data generation and generation server simultaneously enters the card personalization data into the corresponding billing system and into a set of card personalization data storage servers, one of which also performs the function of controlling the rest of the card personalization data storage servers through their ring connection.

Also, in one of the variants of the method, card personalization data in the amount of the average daily need for them of trading points is entered from the control server to the relevant billing system of the card issuing organization. And in another variant, from the server for the formation and generation of card personalization data, these data are simultaneously entered into the corresponding billing system of the card issuing organization and into multiple servers for storing card personalization data in the amount of the average daily need for them by trading points.

The best version of the system, which is implemented according to the method of personalizing cards for receiving services, for example, mobile communication, according to the drawing, contains a set of corresponding basic terminals 1.1-1.M,

М.1-М.М, for example ROb-terminals of the type "NuregSbot", "Ipdepisoi, which are equipped with trading points (not shown) and which are connected by the corresponding channels 2.1-2.M, K.1-K.M zv' communication with the corresponding servers 3.2.1- 3.2.M of card personalization data storage (ZDPK) of the personalization management (CP), i.e., one of the set of servers 3.2.1 ZDPK is connected by the corresponding communication channels 2.1-2.M with by the corresponding set of terminals 1.1-1.M, and the second of the set of servers 3.2.M is connected by the corresponding communication channels K.1-K.M with the corresponding set of terminals M.1-MM. Set of servers 3.2.1- 3.2.M ZDPK is connected by channels 4.1-4.M of communication with server 3.1 of formation and generation of card personalization data (FGDPK) server Z KP. Server 3.1 FGDPK is connected by channels 5.1-5.M of communication with the corresponding billing by systems 6.1-6.M of the corresponding card issuing organization (not shown). At the same time, a set of servers 3.2.1-3.2.M of ZDPK is connected by a ring connection 7.1-7.M, and one of the servers 3.2.1-3.2 .M ZDPK performs the function of management of these servers.

Basic terminals 1.1-1.M, M.1-M.M can be made on the basis of personal computers or special bank payment terminals such as "NuregSot", "Ipdepiso", etc. Servers Z KP or servers 3.1 FGDPK, 3.2.1-3.2.M ZDPK, as well as servers 6.1-6.M of billing systems can be made on the basis of personal computers that have the appropriate values of technical characteristics, for example: speed of 1GHz and about 10 GB of physical memory. The technical parameters of the indicated personal computers may be different, depending on the specific commercial applications in this system. Channels 2.1-2.M, K.1-K.M, 4.1-4.M, 5.1-5.M and 7.1-7.M can be made, for example, in the form of: computer communication networks, telephone communication, radio communication, etc.

The system in which the method of personalization of cards for receiving services is implemented works as follows.

From the manufacturing plant (not shown), for example, microprocessor 5IM cards (Z!ybrzsegiveg Idepiysaynop

Moashie - Subscriber identification card), in accordance with the IZO-7816 standard "Identification cards - cards with a microcircuit with contacts", depersonalized 5IM cards are sent to a number of sales points equipped with basic terminals 1.1-1.M, M.1-M. M.

Server 3.1 FGDPK forms and generates data on the personalization of starter packages (virtual starter packages) in the amount of the average daily need for them by trading points and sends this data via the corresponding communication channels 2.1-2.M, K.1-K.M to the corresponding base terminals 1.1-1.M, M.1-MM. At the same time, the server 3.1 of the FGDPK sends the personalization data of these starter packages through the appropriate communication channels 5.1-5.M to the corresponding billing system 6.1-6.M of the corresponding communication operator to ensure their subsequent activation by card users in this billing system. At the same time, in the corresponding basic terminals 1.1-1.M, M.1-М.M, the following are randomly generated: СНМ1/СНМ2 (Saga Noideg Mepiysainop Maishe - access codes of the card user), СНМ1

Oprioskipd Sode/СНМ2 Oprioskipd Sode (unlock codes СНМ1/СНМ2). The user orders a card, for example, a 5IM card of one of the starting packages for connection to the mobile network, using any of the set of basic terminals 1.1-1.M, M.1-M.M. Next, for example, terminal 1.1 through the appropriate communication channel 2.1 sends to the server 3.2.1 of the ZDPK a request to receive personalization data of the user-selected starter package of services of a mobile operator (card issuing organization): pro-file, Saga Ia (Saga Idepiyisayop Mytrbeg - Identification number of the card), M5IZBOM (phone number),

IIM5I (Ipiegpayopa! Mobrie Zire5spreg Idepiyu - Unique international subscriber identifier), Ki (Subscriber identification key). Server 3.2.1 ZDPK accepts this request, identifies this base terminal and analyzes its requests. Next, this terminal, using command sets, in accordance with the I5O-7816 standard, writes data to the memory of the 5IM card: profile of the corresponding mobile operator (organization-issuing cards), IM5I, Mobiye Zibzspreg Idepiyisayop Keu (Ki), SNMI , SNM2, SNM!1

Oprioskipd Sode, SNM2 MOprioskipd Sode. After entering the personalization data in the user's card, a receipt with a set of these personal identification codes of the user is generated and printed in the billing system of the corresponding card issuing organization.

In the event of failure of one or more 3.2.1-3.2.M servers of ZDPK due to their ring connection, prompt rerouting of the flow of requests/responses from a set of basic terminals that were subordinate to the failed ZDPK server is ensured to another server or ZDPK servers. At the same time, one of the ZDIPK servers manages this flow rerouting and dynamically redistributes the load to other ZDIPK servers.

In another variant, the personalization control server Z is made on the basis of one personal computer, which is connected by channels 5.1.-5.M. with the corresponding billing system of the mobile operator (card issuing organization), and the 2.1-K.M communication channels with a set of corresponding base terminals 1.1-M.M.

Although the embodiments shown and described herein are considered to be the best for carrying out the present invention, it will be apparent to those skilled in the art that various changes and modifications may be made and equivalent elements may be substituted without departing from the scope of the present invention.

The compliance of the claimed technical solution with the criterion of the invention "industrial applicability" is confirmed by the specified example of the method of personalizing cards for receiving services.

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