KR20050074858A - System and method for loading data(or application) for smart card by using client's program - Google Patents

Abstract

The present invention relates to a method and system for loading data (or application) for a smart card using a client-side program, wherein a predetermined program installed in the client terminal is connected to or mounted on the client terminal. Predetermined data (or application) is loaded into the. Preferably, the program installed in the client terminal forms a respective communication channel with the service provider server and the management server on the network. The service provider server transmits network connection information of a management server to the client terminal or the program through basic information of data (or application) selected or requested by the client through the established communication channel. Network connection information transmitted from the service provider server provides a basis for establishing a communication channel between the client-side program and the management server. Accordingly, the client-side program provides the management server with basic information of data (or application) selected or requested by the client through a communication channel with the management server, and receives corresponding data (or application). Mount on the client smart card.

Description

System and Method for Loading Data (or Application) for Smart Card by Using Client's Program}

The present invention is installed in the client terminal, the client-side program for receiving the basic information about the predetermined data (or application) obtained from the service provider server and the network connection information of the management server that manages the data (or application); Based on the received basic information about the predetermined data (or application) and network connection information of the management server managing the data (or application), the management server is connected to provide the data (or application) to the client terminal. It relates to a method and a system for receiving.

A smart card is an IC (Integrated Circuit) card in the form of a credit card that can store and compute various digital information by embedding a central processing unit and various memory devices. It consists of Read Only Memory (RAM), Random Access Memory (RAM), and EEPROM (Electrically Erasable and Programmable Read Only Memory), and functions as a small computer without input and output devices.

Recently, the smart card is a multi-purpose combination card equipped with a central processing unit, which is capable of executing a program regardless of the card manufacturer, and is aimed at an open platform that is independent of the platform and that can be installed and deleted even after the card is issued. Typical smart card open platforms include Javacard, MULTOS, Smart Card For Windows (SCFW), and SmartTEC OS.

The features of such open smart card platforms are that the card issuer's partners and smart card application service organizations, and their respective smart cards, change frequently even after the smart card produced by the card manufacturer is issued to the smart card user through the card issuer. It supports post-issued application service that can share the application area of smart card with users.

However, if an application (or data) provider (service provider) and an application (or data) management authority (application creator) exist separately, the client must connect to both sides in order to receive the application (or data). There is discomfort.

Therefore, a more convenient user interface must be sought for a client to be provided with a given application (or data) with his smart card.

An object of the present invention to solve the above problems is to provide the basic information about the data (or application) to be mounted on the smart card from the service provider server and the network connection information of the management server that manages the data (or application) The present invention provides a method and a system for loading data (or an application) using a client-side program that receives the provided information to a management server and receives the selected or requested data (or application) from the management server.

In order to implement the above technical problem, the smart card data (or application) mounting method using a client-side program according to the present invention is to install a predetermined client-side program on the terminal from a client terminal equipped or connected with a smart card reader And selecting or requesting data (or application) to be mounted on a smart card by accessing a service provider server from the client terminal, and selecting or requesting data (or application) selected or requested by the client terminal from the service provider server. Providing basic information and network connection information of a management server managing the data (or application) to the client terminal or a client side program, and the client side program installed in the client terminal. Based on the network connection information of the management server provided from the service provider server, and after connecting a predetermined communication channel with the management server, the management server provided from the service provider server to the management server through the connected communication channel Generating or extracting the data (or application) selected or requested by the client terminal based on the basic information of the data (or application) and the basic information of the data (or application) transmitted from the management server. Transmitting the data (or application) generated or extracted by the management server to the client-side program through the connected communication channel, and transmitting the data (or application) provided from the management server by the client terminal. The smart card reader Mounting on a smart card via a device.

Preferably, the client-side program installed on the client terminal can be provided from a management server that manages data (or applications) or a service provider server having a predetermined electronic contract relationship with the management server.

The client-side program is managed by the client terminal accessing a service provider server to manage at least one or more information (eg, application basic information and the data (or application)) about data (or application) selected or requested by the terminal. Server network connection information, etc.).

For example, the network connection information includes a network connection address and / or a network connection account for making a network connection to the management server.

Further, the client-side program connects to the management server based on the management server network access information obtained from the service provider server, and responds based on the data (or application) basic information obtained from the service provider server. Receive data (or application) to the client terminal.

For example, the client-side program is advantageously provided in the form of a plug-in that is automatically recognized by the browser on the client terminal and can be easily installed and used as part of a web browser, and the driving of the client terminal (eg, terminal booting or internet connection). Etc.) or manually started through personal authentication information (e.g., input of a unique ID, password, etc.) input from the client, or initiate a session established between the client terminal and the service provider server. It can be driven through.

Further, according to a preferred embodiment, the client-side program installed in the client terminal, at least one or more client information (for example, card information, account information) for the predetermined payment processing for the provision of the data (or application) of the client Etc.), or in conjunction with a smart card including the client information.

For example, the client-side program is defined as an Auto-Fill that automatically fills in the client information for a predetermined payment process for downloading (purchasing, etc.) data (or application) of the client in accordance with the present invention. Can be filled in the payment processing form.

Providing, by the service provider server, basic information of data (or application) selected or requested by the client terminal and network connection information of a management server managing the data (or application) to the client terminal or a client-side program; The basic information of the data (or application) selected or requested by the client terminal may include a platform type of a smart card capable of mounting the data (or application) selected or requested by the client terminal, a type, and a unique type of the data (or application). It includes at least one of an ID, a function to be included, an application field, a task to be performed, an operation method and a processing order of the data (or an application), and a file structure to be stored in an application area of the IC chip.

After connecting a predetermined communication channel with the management server based on the network connection information of the management server provided from the service provider server in the client-side program installed in the client terminal, the management server through the connected communication channel Transmitting the basic information of the data (or application) provided from the service provider server to the smart server unique code information and / or the smart card proprietary customer information from the client-side program to the management server. It further comprises the step.

Preferably, generating or extracting data (or application) selected or requested by the client terminal based on basic information of the data (or application) transmitted from the management server to generating or extracting from the management server. Transmitting the data (or application) to the client-side program through the connected communication channel, the smart server mounting the client and / or the data (or application) requesting the data (or application) from the management server. Authenticating the validity of the card.

According to the present invention, the smart card is characterized in that it comprises an IC chip and / or an IC chip mounted on or detached from the wireless terminal.

In addition, the client terminal is characterized by comprising a client PC, KIOSK, ATM, wired terminal or a wireless terminal.

In addition, the management server, characterized in that consisting of the card company server, financial company server, mobile communication company server, VAN company server or authentication server.

On the other hand, according to a preferred embodiment, the smart card data (or application) mounting method using the client-side program, the client terminal is selected or selected from the service provider server to the client terminal or client-side program and the management server; Providing a unique code and / or a unique key value corresponding to the requested data (or application); and transmitting the basic information of the data (or application) from the client-side program to the management server. Transmitting a unique code and / or a unique key value provided from the service provider server to the management server in a side program; and a unique code or a unique key provided from the service provider server in the management server. Value and the client-side program By comparing the transmitted unique codes or a unique key (Key) value characterized by further comprising the step of authenticating the validity of the client terminal (or client).

Hereinafter, the present invention will be described in detail with reference to the accompanying drawings. First, predetermined reference numerals are added to elements illustrated in the drawings. However, it is noted that the same components shown in different drawings are denoted by the same reference numerals as much as possible.

In addition, in the following description, in order to explain the embodiments of the present invention, specific details such as specific elements are illustrated, which are provided to help a more general understanding of the present invention, and the present invention may be practiced without these specific details. It will be apparent to those skilled in the art.

In addition, in describing the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted.

1 is a block diagram of a preferred embodiment of a mounting system according to the present invention.

Referring to FIG. 1, a system for loading data (or applications) using a client-side program 105 according to the present invention includes a client terminal 100, a service provider server 110, a management server 115, and the client terminal 100. And a predetermined client-side program 105 installed in the package).

The client terminal 100 accesses the service provider server 110 via a network and selects or requests data (or an application) to be mounted on the smart card. In addition, the client terminal 100 is characterized in that the predetermined client-side program 105 according to the present invention received and installed through the online and / or offline.

The client terminal 100 may provide the service provider server 110 with predetermined additional information including the client terminal 100 information and / or the smart card information.

In addition, the client terminal 100 is characterized in that it comprises a wired terminal or a wireless terminal, such as a client PC, KIOSK, ATM.

The service provider server 110 may display basic information of data (or application) selected or requested by the client terminal 100 and network connection information of the management server 115 managing the data (or application). To provide.

The service provider server 110 may include a unique code corresponding to data (or application) selected or requested by the client terminal 100 to the client terminal 100 or the client-side program 105 and the management server 115. And / or provide a unique key value.

The management server 115 selects or requests the data (or application) selected or requested by the client terminal 100 based on the basic information of the data (or application) transmitted by the client-side program 105 installed in the client terminal 100. Generate or extract and transmit the generated or extracted data (or application) to the client-side program 105 or the client terminal 100 through the connected communication channel.

For example, the management server 115 may provide basic information about data (or application) selected or requested by the client terminal 100 provided from the client-side program 105 (eg, selected or requested by the client terminal 100). The platform type of the smart card on which the data (or application) can be loaded, the type of the data (or application), the unique ID, the function to be included, the field of application, the task to be performed, and the operation and processing of the data (or application) Order and file structure to be stored in the application area of the IC chip), and when the client terminal 100 generates the data (or application) selected or requested, an object that is abstracted and designed according to the smart card standard. Refer to the data (or application basic information, etc.) Application) to process the source code, apply the smart card user information to the data (or application) source code, and generate data (or application) through a series of source code compilation processes such as verification, conversion, and operation. have.

On the other hand, the application creation tool 105 for the smart card (or IC card) of the present invention is an object abstracted in compliance with the smart card (or IC card) standard, that is, the application source code, the application source code extraction information, the application source code combination The application source code is processed by assembling information and application production information such as smart card (or IC card) attribute information and the feature of object-oriented programming to produce an application for a smart card (or IC card).

For example, generating data (or application) selected or requested by the client terminal 100 may include generating data (or application) through a process of directly coding data (or application) developer. In addition, based on the data (or application) basic information, etc., further comprises the automatic generation through the process of combining through the object-oriented programming rules.

On the other hand, when the client terminal 100 extracts selected or requested data (or application), for example, the management server 115 is at least one or more data (or application) associated with the service provider server 110 Is stored in a predetermined storage medium, and when the client terminal 100 receives basic information about data (or application) selected or requested by the client-side program 105, the data corresponding to the basic information ( Or an application) from the storage medium.

The management server 115 may be configured to authenticate the validity of a client requesting the data (or application) and / or a smart card on which the data (or application) is mounted.

In addition, the management server 115 is characterized by consisting of a card company server, financial company server, mobile communication company server, VAN company server or authentication server.

The client side program 105 installed in the client terminal 100 has a predetermined communication channel with the management server 115 based on the network connection information of the management server 115 provided from the service provider server 110. After the connection, the basic information of the data (or application) provided from the service provider server 110 is transmitted to the management server 115 through the connected communication channel.

Preferably, the client-side program 105 installed in the client terminal 100 transmits the smart card unique code information and / or the smart card proprietary customer information to the management server 115. .

The client side program 105 or the client terminal 100 is characterized in that the data (or application) provided from the management server 115 via a predetermined smart card reader to the smart card.

The smart card comprises an IC card and / or an IC chip mounted on or detached from the wireless terminal, and receives data (or an application) through a predetermined reader mounted or connected to the client terminal 100. .

2 is a simplified flow diagram of the overall process of implementing the invention in accordance with a preferred embodiment.

Referring to FIG. 2, data that a client terminal 100 (eg, a wired terminal or a wireless terminal such as a client PC, a KIOSK, an ATM, etc.) connected to the service provider server 110 wants to mount on the client smart card (or Application or request 200, the service provider server 110 provides the client terminal to provide predetermined information (eg, data or application basic information and management server 115 network connection information, etc.). In step 100, it is checked whether the client-side program 105 is installed (205).

If the client side program 105 does not exist (210), a predetermined client side program 105 is installed in the client terminal 100 via the network (215). Preferably, the client-side program 105 may be obtained from the service provider server 110 and / or the management server 115 that manages the data (or application). (Offline acquisition also possible)

On the other hand, if the client side program 105 exists in the client terminal 100 (220), the service provider server 110 checks the data (or application) selected or requested by the client terminal 100 ( 225, check basic information of the checked data (or application) and network connection information of the management server 115 of the data (or application) (230).

For example, the basic information of the data (or application) may be generated and extracted from the data (or application) necessary for the client-side program 105 to receive the data (or application) from the data (or application) management server 115. As the information about, the platform type of the smart card capable of mounting the data (or application) selected or requested by the client terminal 100, the type of the data (or application), the unique ID, the function to be included, the field of use, and the execution It may include a task to be performed, an operation method and a processing sequence of the data (or an application), and a file structure to be stored in an application area of the IC chip.

When the basic information of the data (or application) selected or requested by the client terminal 100 and the network connection information of the management server 115 of the data (or application) are confirmed, the service provider server 110 may determine the client terminal ( Establish a communication channel with the client-side program 105 installed at 100) (235) and provide the identified data (or application) basic information and network connection information to the client-side program 105 via the formed communication channel. (240).

When the client-side program 105 is provided with data (or application) basic information and network connection information from the service provider server 110, the client-side program 105 is based on the received network connection information based on the data ( Or application) to establish a communication channel with the management server 115 (245).

For example, the network connection information which forms the communication channel with the data (or application) management server 115 includes a network connection address for the client side program 105 to connect to the management server 115 and the like. do.

When the communication channel between the client-side program 105 and the management server 115 is established, the client-side program 105 is a smart card provided from the smart card and the data (or application) basic information provided from the service provider Providing unique information and / or smart card owner customer information to the management server 115 (250).

If the management server 115 authenticates the validity of the smart card based on the smart card unique information and / or smart card owner customer information provided from the client-side program 105, the smart card validity authentication If this fails (255), the management server 115 generates a smart card validation authentication failure message and forwards it to the client side program 105, whereby the data (or application) loading process according to the present invention is terminated ( 260).

On the other hand, if the validity of the smart card is authenticated based on the smart card unique information and / or smart card owner customer information provided from the client-side program 105 (265), the management server 115 transmits the transmission. Based on the data (or application) basic information, the client terminal 100 generates or extracts the data (or application) selected or requested (270).

In addition, the management server 115 transmits the generated or extracted data (or application) to the client side program 105 through a communication channel formed with the client side program 105 (275), and the client side program. 105 mounts the transmitted data (or application) to the smart card through a reader connected to the client terminal 100, so that the data (or application) loading process according to the present invention is successfully terminated (280).

3 is a data structure model of network connection information according to a preferred embodiment.

Referring to FIG. 3, the network connection information may include data (or application) for receiving data (or application) selected or requested by the client terminal 100 accessing the service provider server 110 to the client terminal 100. Network information for forming a communication channel with the management server 115 that manages the < RTI ID = 0.0 >), wherein the network connection information includes a network connection address.

For example, the network connection address of the network connection information may be a protocol for establishing a communication channel between the client side program 105 and the management server 115 (eg, Simple Mail Transfer Protocol (SMTP), HyperText Transfer Protocol (HTTP), UDP). (User Datagram Protocol), TCP (Transmission Control Protocol) and port number and domain (Domain) or IP (Internet Protocol) address.

In general, in the illustrated network connection address, the port number may be widely known, such as port 25 for SMTP and port 80/8080 for HTTP, but the client-side program 105 may be a messenger program. In this case, the management server 115 may be a server interworking with a messenger), and may include any port number used by each messenger.

On the other hand, as shown in the figure, it may further include predetermined user ID (ID) information and password (PW) information for accessing the management server 115. When an account for accessing the management server 115 is required for the purpose of user authentication, etc.) At this time, the user identification (ID) information and the password (PW) information are keyed through the client terminal 100. It may be provided through input or from a smart card.

4 is a data structure model of data (or application) basic information according to a preferred embodiment.

Referring to FIG. 4, when the client terminal 100 accesses the service provider server 110 and selects or requests predetermined data (or application), the client terminal 100 from the service provider server 110. A simple embodiment of the data (or application) basic information provided to the client-side program 105 installed in.

Preferably, the data (or application) basic information is provided to the management server 115 for managing the data (or application) through a client-side program 105, the management server 115 is the A basis for generating or extracting data (or an application) to be provided to the client terminal 100 or the client side program 105 is provided.

Preferably, the information included in the data (or application) basic information includes a platform type of a smart card on which the data (or application) selected or requested by the client terminal 100 can be mounted, a type of the data (or application), Unique ID, function to be included, field of application, task to be performed, operation method and processing order of the data (or application), and file structure to be stored in the application area of the IC chip. In the process, it is noted that new information can be added or deleted without departing from the spirit of the present invention.

5 is a simplified flow diagram of the overall process of implementing the invention in accordance with another preferred embodiment.

Referring to FIG. 5, in the method for loading data (or application) for a smart card using the client-side program 105 according to the present invention, a uniqueness corresponding to the data (or application) selected or requested by the client terminal 100 is provided. It is characterized by the use of codes and / or unique key values.

Preferably, the unique code and / or unique key value corresponding to the data (or application) selected or requested by the client terminal 100 is determined by the management server 115 through a comparison process. Used to authenticate the validity of a client (or client).

According to FIG. 5, the service provider server 110 begins 500 by coordinating a unique code and / or unique key value corresponding to that data (or application).

When a predetermined client-side program 105 is installed in the client terminal 100 through the network (505), and the client terminal 100 connected to the service provider server 110 selects or requests data (or an application). In operation 510, the service provider server 110 confirms data (or application) selected or requested by the client terminal 100 and corresponding unique code and / or unique key value (515).

The service provider server 110 checks the basic information of the checked data (or application) and the network connection information of the management server 115 of the data (or application) (520), and the client installed in the client terminal 100. A communication channel with the side program 105 is established (525).

In addition, the service provider server 110 manages the client-side program 105 and the data (or application) a unique code and / or a unique key value corresponding to the data (or application) 115. Provided by (530).

In addition, the service provider server 110 provides the identified data (or application) basic information and network connection information to the client-side program 105 through the communication channel (535).

The client-side program 105 establishes a communication channel with the data (or application) management server 115 based on the network connection information provided from the service providing server (540), and transmits the data ( Or application) basic information, a corresponding unique code and / or unique key value, and smart card unique information to the data (or application) management server 115 (545).

The management server 115 authenticates the client or client terminal 100 based on a unique code and / or a unique key value corresponding to the data (or application) provided from the client-side program 105. .

For example, the authentication of the client or the client terminal 100 may include the unique code and / or unique key value corresponding to the data (or application) previously provided by the management server 115 from the service provider server 110. By comparing the unique code and / or unique key values provided from the client-side program 105.

If the unique code and / or unique key value corresponding to the data (or application) previously provided from the service provider server 110 and the unique code and / or unique key value provided from the client-side program 105 do not match, If not (550), the management server 115 generates an authentication failure message for the client or client terminal 100 to pass to the client side program 105 (555), the client side program 105 according to the present invention ) Process of loading data (or application) is completed.

On the other hand, the unique code and / or unique key value corresponding to the corresponding data (or application) previously provided from the service provider server 110 and the unique code and / or unique key value provided from the client-side program 105 match. If 560, the management server 115 completes authentication of the client or client terminal 100, and based on the data (or application) basic information transmitted from the client-side program 105, the client terminal 100. Generates or extracts the data (or application) selected or requested (565).

When the client terminal 100 generates or extracts the data (or application) selected or requested, the management server 115 stores the generated or extracted data (or application) with the client side program 105. The client-side program 105 is transmitted to the client-side program 105 (570), and the client-side program 105 smartizes the data (or application) transmitted from the management server 115 through a reader connected to the client terminal 100 or the like. By loading the card 575, the data (or application) loading process using the client-side program 105 according to the present invention is successfully completed.

6 is a data structure model in which data (or application) is associated with unique code or unique key information in accordance with a preferred embodiment.

Referring to FIG. 6, the data selected or requested by the client terminal 100 in the process of loading data (or application) for smart card using the client-side program 105 according to the embodiment of FIG. 5 described above. By connecting the unique code or unique key value corresponding to the (or application), it is possible to authenticate the validity of the client or the client terminal 100 through the unique code or unique key value.

As shown in FIG. 6, each application may have a unique code and / or a unique key value corresponding thereto. For example, the unique code and / or unique key value may be provided to the management server 115 through the client-side program 105 along with the data (or application) basic information described above in FIG. The management server 115 compares the unique code and unique key value of the data (or application) previously received from the service provider server 110 with the unique code and unique key value transmitted through the client-side program 105. By doing so, validity authentication of the client or the client terminal 100 is possible.

Further, in a preferred embodiment, the unique code and unique key value are required for the client side program 105 to pass through a predetermined firewall that the management server 115 may have in accessing the management server 115. Information, for example, as shown, the key value may be in the form of an encrypted hash code of a particular bit range.

According to the present invention, the service provider server receives the basic information about the data (or application) to be mounted on the smart card and the network connection information of the management server managing the data (or application), and manages the received information. By installing and using a client-side program provided to a server and receiving the selected or requested data (or application) from the management server,

The client has an advantage that it is more convenient to mount the desired data (or application) as a smart card connected to the client terminal.

The service provider has an advantage of releasing a burden (eg, a cost burden) for generating or managing data (or an application) by interworking with a data (or application) management server.

The data (or application) manager has the advantage of generating new revenue by providing the data (or application) to the client on behalf of the service provider.

1 is a block diagram of a preferred embodiment of a mounting system according to the present invention.

2 is a simplified flow diagram of the overall process of implementing the invention in accordance with a preferred embodiment.

3 is a data structure model of network connection information according to a preferred embodiment.

4 is a data structure model of data (or application) basic information according to a preferred embodiment.

5 is a simplified flow diagram of the overall process of implementing the invention in accordance with another preferred embodiment.

6 is a data structure model in which data (or application) is associated with unique code or unique key information in accordance with a preferred embodiment.

<Description of main parts of drawing>

100: client terminal 105: client-side program

110: service provider server 115: management server

Claims (17)

Installing a predetermined client-side program on the terminal from a client terminal equipped or connected with a smart card reader; Selecting or requesting data (or application) to be mounted on a smart card by accessing a service provider server from the client terminal; Providing, by the service provider server, basic information of data (or application) selected or requested by the client terminal and network connection information of a management server managing the data (or application) to the client terminal or client side program; After connecting a predetermined communication channel with the management server based on the network connection information of the management server provided from the service provider server in the client-side program installed in the client terminal, the management server through the connected communication channel Transmitting basic information of the data (or application) provided from the service provider server to the server; Generating or extracting data (or application) selected or requested by the client terminal based on the basic information of the data (or application) transmitted by the management server; Transmitting, at the management server, the generated or extracted data (or application) to the client side program through the connected communication channel; And Smart card data (or application) using a client-side program comprising the step of mounting in the client terminal data (or application) provided from the management server to the smart card through the smart card reader. How to mount. According to claim 1, The client-side program installed in the client terminal based on the network connection information of the management server provided from the service provider server, after connecting a predetermined communication channel with the management server, the connected communication Transmitting basic information of the data (or application) provided from the service provider server to the management server through a channel, And transmitting the smart card unique code information and / or the smart card proprietary customer information from the client side program to the management server. ) Mounting method. The method of claim 1, further comprising: generating or extracting data (or application) selected or requested by the client terminal based on basic information of the data (or application) transmitted from the management server to the management server. The step of transmitting the generated or extracted data (or application) to the client side program through the connected communication channel, Smart card using the client-side program characterized in that the management server further comprises the step of authenticating the validity of the client requesting the data (or application) and / or the smart card containing the data (or application) How to load data (or application) The method of claim 1, wherein the smart card data (or application) loading method using the client-side program comprises: Providing a unique code and / or unique key value corresponding to data (or application) selected or requested by the client terminal from the service provider server to the client terminal or client side program and the management server; The unique code and / or unique key value received from the service provider server from the client-side program to the management server when the client-side program transmits basic information of the data (or application) to the management server. Transmitting; And The management server compares the unique code or unique key value provided from the service provider server with the unique code or key value transmitted from the client-side program to validate the client terminal (or client). And authenticating the smart card data (or application) using the client-side program. The method of claim 1, wherein the smart card, A smart card data (or application) mounting method using a client-side program comprising an IC card mounted on or detached from an IC card and / or a wireless terminal. The method of claim 1, wherein the client terminal, A method of loading data (or application) for a smart card using a client-side program, comprising a wired terminal or a wireless terminal. The method of claim 1, wherein the client terminal, A smart card data (or application) mounting method using a client-side program, comprising at least one client PC, KIOSK, ATM, and a wireless terminal. The method of claim 1, wherein the management server, A method for mounting data (or application) for a smart card using a client-side program comprising a card company server, a financial company server, a mobile communication company server or a VAN company server, or an authentication server. A client terminal connected to the service provider server to select or request data (or application) to be mounted on the smart card; A service provider server providing basic information of data (or application) selected or requested by the client terminal and network connection information of a management server managing the data (or application) to the client terminal; The data provided from the service provider server to the management server through the connected communication channel after connecting a predetermined communication channel with the management server based on the network connection information of the management server provided from the service provider server. The client-side program installed in the client terminal for transmitting basic information of (or an application); And Generate or extract data (or application) selected or requested by the client terminal based on basic information of the data (or application) transmitted by the client-side program, and generate the generated or extracted data (or application). And a management server for transmitting to the client side program or the client terminal through a connected communication channel. The client-side program or the client terminal mounts the data (or application) received from the management server through a predetermined smart card reader to the smart card. Application) mounting system. The method of claim 9, wherein the client-side program installed in the client terminal, The smart card data (or application) mounting system using a client-side program, characterized in that for transmitting the smart card unique code information and / or the smart card owner customer information to the management server. The method of claim 9, wherein the management server, A system for mounting data (or application) for a smart card using a client-side program, characterized by authenticating the validity of a client requesting the data (or application) and / or a smart card containing the data (or application). The method of claim 9, wherein the service provider server, Using a client-side program characterized in that it provides a unique code and / or unique key value corresponding to the data (or application) selected or requested by the client terminal to the client terminal or client-side program and the management server. System for mounting data (or applications) for smart cards. The method of claim 9, wherein the smart card, A smart card data (or application) mounting system using a client-side program, comprising an IC card mounted on or detached from an IC card and / or a wireless terminal. The method of claim 9, wherein the client terminal, And providing predetermined additional information including the client terminal information and / or the smart card information to the service provider server. The method of claim 9, wherein the client terminal, A system for mounting data (or application) for a smart card using a client-side program, comprising a wired terminal or a wireless terminal. The method of claim 9, wherein the client terminal, A system for mounting data (or application) for smart cards using a client-side program, comprising at least one client PC, KIOSK, ATM, and a wireless terminal. The method of claim 9, wherein the management server, A system for mounting smart card data (or application) using a client-side program, comprising a card company server, a financial company server, a mobile communication company server, a VAN company server, or a human server.