KR100999566B1 - System and Method for Managing Card Related on Fund and Program Recording Medium - Google Patents

Abstract

The present invention relates to a method and system for operating a fund-linked card and a program recording medium therefor. The method for operating a fund-linked card according to the present invention stores and stores the fund-linked specific card information and the fund recovery rate information per settlement. Storing the information on the medium; and checking whether the card information included in the payment approval request text conforms to the specific card information stored in the storage medium when the customer pays the card. Checking the payment approval request amount and calculating the fund recovery amount by applying the fund recovery rate information per payment to the identified payment approval request amount.

Fund, card, linkage

Description

System and Method for Managing Card Related on Fund and Program Recording Medium}

1 is a diagram showing the configuration of the fund management system according to an embodiment of the present invention according to an embodiment of the present invention.

2 is a diagram illustrating a face-to-face information registration system for operating and collecting a specific card activation fund according to one embodiment of the present invention.

3 is a diagram illustrating a process of registering a specific card activation fund management information in a face-to-face manner according to an embodiment of the present invention.

4 is a diagram illustrating a non-face-to-face information registration system for operating and collecting a specific card activation fund according to another embodiment of the present invention.

FIG. 5 is a diagram illustrating a process of registering specific card activation fund management information in a non-face-to-face manner for operating and collecting a specific card activation fund according to one embodiment of the present invention.

6 is a view showing the configuration of a specific card activation fund management system according to an embodiment of the present invention.

7A and 7B are diagrams illustrating a process of operating a specific card activation fund according to one embodiment of the present invention.

8 is a view showing the configuration of a specific card activation fund management system according to another embodiment of the present invention.

9A and 9B illustrate a process of operating a specific card activation fund according to an embodiment of the present invention.

<Description of main parts of drawing>

600: payment server 605: interface unit

610: professional receiver 615: professional transmitter

620: card information verification unit 625: payment approval processing unit

630: information generating unit 635: information storage unit

640: specific card identification unit 645: information calculation unit

650: information processing unit 655: card information D / B

660: transaction history D / B 665: operation server

670: information receiving unit 675: accumulated amount confirmation unit

680: information providing unit 685: information storage unit

690: Storage medium

The present invention comprises the steps of linking and processing the fund-linked specific card information and the information on the rate of recovery of funds per payment case in a storage medium, and when the card payment of the customer, the card information contained in the full payment approval request is stored in the storage medium Checking whether the information meets the information; and if it is, check the payment approval request amount included in the full payment approval request, and apply the fund recovery rate information per payment to the confirmed payment approval request amount to recover the fund. It relates to a method for operating a fund linked card comprising the step of calculating the amount.

Recently, financial institutions have issued various types of cards that are linked to specific affiliates. However, activating this particular card costs a lot, and it was difficult for an affiliate to handle it alone.

Therefore, it is time for financial institutions to develop a service that can raise the image of the company more effectively and at the same time recover it.

An object of the present invention for solving the above problems is a means for linking and processing the fund-linked specific card information and the fund recovery rate information per payment case in the storage medium, and the card information included in the full payment approval request when the customer's card payment Check whether the card information is stored in the storage medium and, if it is, apply the fund recovery rate information per payment to the payment approval request amount included in the full payment approval request, and calculate a fund recovery amount. The present invention provides a fund-linked card operating system including a means and means for depositing a fund collection amount calculated at the time of payment of a card by a customer to an account of a financial institution that provided the fund periodically.

The method for operating a fund-linked card with specific card activation fund management information including at least one specific card information, activation fund information, and payment recovery rate information according to the present invention, the fund-linked specific card information and payment recovery rate per fund Linking and storing the information in a storage medium; and checking whether the card information included in the full payment approval request message corresponds to the specific card information stored in the storage medium when the customer pays the card. Checking the payment approval request amount included in the full approval request, and applying the fund recovery rate information per payment to the confirmed payment approval request amount, characterized in that it comprises the step of calculating the fund recovery amount.

According to the present invention, the method for operating a fund-linked card is characterized in that it comprises the step of depositing the funds collection amount calculated each time the customer's card payment to the account of the financial institution that provided the fund.

On the other hand, the present invention includes a computer-readable recording medium, characterized in that for recording the program for executing the above-described method for operating the fund linked card.

On the other hand, the fund linked card operating system according to the present invention, the means for storing the link-linked specific card information and the information on the rate of recovery of funds per payment case stored in the storage medium, and when the customer's card payment, included in the full payment approval request Check whether the card information matches the specific card information stored in the storage medium, and if it is matched, calculates the amount of fund recovery by applying the fund recovery rate information per payment to the payment approval request amount included in the full payment approval request. And means for depositing and processing the funds collection amount calculated each time the card payment of the customer into the account of the financial institution that provided the funds periodically.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In addition, in the following description of 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. In addition, terms to be described below are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users and operators. Therefore, the definition should be made based on the contents throughout the present invention.

In addition, preferred embodiments of the present invention to be carried out below are provided in each system functional configuration to efficiently describe the technical components constituting the present invention, or system functions that are commonly provided in the technical field to which the present invention belongs. The configuration will be omitted, and described mainly on the functional configuration to be additionally provided for the present invention. If those skilled in the art to which the present invention pertains, it will be able to easily understand the function of the components that are conventionally used among the omitted functional configuration not shown below, and also the configuration omitted as described above The relationship between the elements and the components added for the present invention will also be clearly understood.

In addition, the following examples will be used to appropriately modify, integrate, or separate the terminology so that those skilled in the art to which the present invention pertains may clearly understand the present invention. The present invention is by no means limited thereto. That is, each means described above is a server (or terminal) provided on the system shown in the following embodiments, or is a predetermined functional configuration provided in at least one or more servers (or terminals), or at least one or more servers. (Or a terminal) may be an association of at least two or more functional components. In addition, the server (or terminal) shown in the following embodiment is shown to include at least two or more functional components for achieving the technical features of the present invention for convenience, the functional component shown in the server (or terminal) Matched with the above-described means may be provided in two or more different servers (or terminals) according to the role and function of each functional component and the corresponding server (or terminal) operator (or operator), whereby the present invention is not limited No.

As a result, the technical spirit of the present invention is determined by the claims, and the following examples are one means for efficiently explaining the technical spirit of the present invention to those skilled in the art to which the present invention pertains. It is only.

1 is a diagram showing the configuration of the fund management system according to an embodiment of the present invention according to an embodiment of the present invention.

More specifically, Figure 1 is a main configuration system in accordance with the present invention, using the card issued through a predetermined card issuing system when the payment processing through a predetermined offline payment channel, the specific card activation fund operation and recovery As a process, if those of ordinary skill in the art to which the present invention belongs, the specific card activation fund management system configuration for the recovery and operation of the amount provided to the specific card activation fund by referring to or modifying this figure 1 Although various embodiments of the present invention may be inferred, the present invention includes all the inferred embodiments, and the technical features are not limited to the embodiments shown in FIG.

Referring to FIG. 1, the specific card activation fund operation system includes a payment terminal provided at a predetermined offline affiliated store, a payment server for processing payment approval for the card, and a communication network connecting the payment terminal and the payment server (eg, value added). Network (VAN) and the payment server) is connected through a predetermined communication means, characterized in that it comprises a fund management server (for operating a specific card activation fund).

In FIG. 1, the payment server on the specific card activation fund operation system is illustrated as one server. However, this is only one embodiment for effectively explaining the technical features of the present invention. It may be implemented through at least two separate servers (or devices), whereby the present invention is not limited.

In addition, although the fund management server on the fund linked information processing operation system in FIG. 1 is shown as one server, this is only one embodiment for effectively explaining the technical features of the present invention. The functional component may be implemented through at least two separate servers (or devices), and the present invention is not limited thereto.

In addition, in FIG. 1, the payment server 100 and the fund management server 665 on the specific card activation fund management system may be configured as a single server, which will be described in more detail below. Shall be.

The payment terminal is characterized in that it comprises at least one CAT (Credit Authorization Terminal), or POS (Point Of Sales) terminal with a payment function, a predetermined card from the card through at least one card reader After reading the information, inputting a payment amount through a predetermined key input device, and generating a full payment approval request message including the card information, the payment amount, and the affiliated store information, the communication network (eg, a value-added communication network (VAN)). It is characterized in that for transmitting to the payment server 600 through).

In addition, the payment server 600, characterized in that it comprises at least one server provided in the financial company (for example, card company or bank) to process the payment approval for the card, from the payment terminal After receiving the payment approval request message including the card information, the payment amount and the merchant information, characterized in that the payment authorization processing of the payment amount contained in the payment approval request message through the card.

In addition, the communication network connecting the payment terminal and the payment server 600, Bansa server for relaying at least one or more payment-related full text between the payment terminal and the payment server 600 based on at least one backbone network (not shown) And at least one wired and wireless communication network.

Those skilled in the art to which the present invention pertains, the technical features of the payment terminal and the technical features of the conventional payment server 600 and the technical features of the communication network connecting the payment terminal and the payment server 600 Since it will be familiar with, detailed description thereof will be omitted for convenience.

According to the method of the present invention, the payment server 600 is the customer information issuing the card through a predetermined card issuing system, the card information corresponding to the card issued to the customer and the card attribute information and the A predetermined card information D / B 655 for linking and storing card limit information corresponding to a card, or interworking with a predetermined DBMS for operating the card information D / B 655, or the card It is preferable to interwork with a DB server (not shown) provided with the information D / B 655.

Referring to FIG. 1, the operating means (or server) processes the specific card activation fund operation and collection when payment is processed through a predetermined offline payment channel using a card issued through a predetermined card issuing system. By referring to or modifying the drawing 1, it is possible to infer various implementation methods for the fund management means for the recovery and operation of the amount provided to the specific card activation fund, but the present invention is all inferred implementation It is made, including the method, the technical features are not limited only to the implementation method shown in FIG.

2 is a diagram illustrating a face-to-face information registration system for operating and collecting a specific card activation fund according to an embodiment of the present invention.

In more detail, Figure 2 shows that a member of a financial institution (eg, a bank, etc.) collects specific card information, activation fund information, and payments per settlement for the operation and collection of the specific card activation fund through an information registration system through a predetermined information registration interface. When the specific card activation fund management information including at least one rate information is provided, the specific card information, activation fund information, and fund recovery rate information included in the specific card activation fund management information provided by the information registration system are provided. As a system configuration for storing in a predetermined storage medium 225 by linkage processing, those skilled in the art to which the present invention pertains, refer to or modify this figure 2 to operate and recover the specific card activation fund It would be possible to infer various implementation methods for the information registration system configuration. It said method includes all embodiments in which the inference, shall not be limited to the exemplary method shown in the figure 2.

Hereinafter, at least one means or function configuration for storing the specific card activation fund management information provided from the employee in the storage medium 225 through a predetermined information registration interface on the information registration system shown in FIG. The component to be referred to as "information registration server 200" for convenience.

Referring to FIG. 2 according to an embodiment of the present invention, the information registration system for operating and collecting the specific card activation fund includes an information registration terminal including a teller terminal provided at at least one financial institution branch. The information registration terminal is connected to a communication channel with an information registration server 200 provided on the information registration system through a predetermined financial network.

According to an exemplary embodiment of the present invention, the employee inputs (or selects) the specific card activation fund operation information through a predetermined window terminal for the operation and collection of the specific card activation fund, and the window terminal is the input ( Or the selected) information is transmitted to the information registration server 200 provided on the information registration system through the financial network.

Here, the teller terminal preferably comprises a manager terminal used by the teller staff provided in the financial institution branch, the information registration server 200 connected to the teller terminal is a ledger provided on the predetermined financial system It is preferable to include a server, and the financial network connecting the window terminal and the information registration server 200 preferably comprises a branch network connecting the communication channel between the window terminal and the information registration server 200. Do.

In the above information registration system, the application created by the employee, the teller terminal used by the teller and the financial network connecting the teller terminal and the information registration server 200, the employee is the specific card activation fund It performs the function of the information registration interface for registering specific card activation fund management information for operation and collection.

The storage medium 225 provided on the information registration system according to the present invention includes the specific card information, activation fund information, and fund recovery rate information included in the specific card activation fund management information provided from the information registration terminal. Characterized in that it is stored in a predetermined storage medium 225 by the cooperative processing, the specific card including at least one or more of the specific card information, activation fund information, payment rate information per payment stored in the storage medium 225 The activation fund management information is used for the operation and recovery of the specific card activation fund.

The specific card information is a name, card number, expiration date, card issuance association (or card) corresponding to a card that is subject to operation, management, and issuance by a fund provided for the purpose of activation by the financial institution according to the present invention. Request) It is preferable to include at least one or more engine information.

The activation fund information preferably comprises at least one or more amounts of information (eg, donating) provided by the financial institution for the activation of the specific card, donation date information, and information on a donation target institution according to the present invention. .

The fund recovery rate information per settlement includes ratio (%) information for determining the amount to be provided to the financial institution when the specific card is settled for the purpose of recovering the activated fund provided (or donated) by the financial institution. It is preferable to make it.

According to one embodiment of the invention, the storage medium 225 is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the storage medium Reference numeral 225 may be a ledger D / B provided in the DBMS on the financial system or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another embodiment of the present invention, the storage medium 225 is at least one or more of the Internet banking system, or a telebanking system, or a wireless banking system provided on (or associated with) the information registration system. It is possible to be provided in the DBMS on the top, thereby the present invention is not limited.

The information registration server 200 provided on the information registration system according to the present invention is a generic term for the components of the information registration system side connected to the information registration terminal through a predetermined financial network, and includes at least one server (or device). ), Or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), and the present invention is not limited thereto.

According to an embodiment of the present invention, when the information registration terminal is a window terminal connected to a predetermined financial network, the information registration server 200 is provided on a financial system connected to the window terminal through a predetermined financial network. It may be a ledger server, or a server (or device) provided in the external system on the financial system, or a program provided in the external system on the financial system, and the present invention is not limited thereto.

According to an embodiment of the present invention, the information registration server 200 is characterized by comprising an interface unit 205 for connecting and managing a predetermined communication channel with the information registration terminal through the financial network.

According to an embodiment of the present invention, when the information registration terminal is a window terminal connected to a predetermined financial network, the interface unit 205 communicates with the window terminal based on a protocol stack defined in the financial network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) by connecting a channel and using a communication protocol defined in a financial transaction related program provided in the window terminal.

Referring to FIG. 2, the information registration server 200 connects a communication channel with the information registration server 200 through the interface unit 205 and then connects the communication unit 205 with the interface unit 205. An interface providing unit 210 for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting a predetermined card activation fund management information from the information registration terminal in association with the information registration terminal; And an information receiver 215 for receiving predetermined card activation fund management information inputted (or selected) and transmitted from the information registration terminal through the user interface in association with the interface unit 205, and the received specific information. Validation unit for verifying the validity of the card activation fund management information, and the above-mentioned contained in the specific card activation fund management information confirmed validity It is characterized in that it comprises an information storage unit 220 for storing in a predetermined storage medium 225 by processing the specific card information, activation fund information, per-payment rate recovery rate information.

The interface providing unit 210 connects a communication channel with the information registration server 200 through the interface unit 205 through a predetermined information registration terminal, and corresponds to the functional configuration provided in the information registration terminal. Generate a predetermined user interface that can input (or select) a specific card activation fund management information and transmit it to the information registration server 200 through the financial network, or extract it from a predetermined database (not shown). The user interface generated by the interworking with the interface unit 205 may be provided to the information registration terminal through the financial network.

In accordance with another embodiment of the present invention is provided with at least one user interface for inputting (or selecting) the specific card activation fund management information to the information registration terminal to the information registration server 200 through the financial network When a predetermined information registration program is provided, the interface providing unit 210 for providing the user interface to the information registration terminal may be omitted, and the present invention is not limited thereto.

Subsequently, the information registration terminal inputs (or selects) specific card activation fund operation information including at least one of the specific card information, activation fund information, and payment recovery rate information per payment, based on the user interface, and the input is performed. (Or selected) transmits the selected card activation fund management information to the information registration server 200 through the financial network.

According to an embodiment of the present invention, when the information registration terminal is a window terminal connected to a predetermined financial network, the interface providing unit 210 may provide a predetermined user interface that can be provided by a financial transaction related program included in the window terminal. It is preferable to generate (or extract) and provide the generated (or extracted) user interface to the counter terminal through the interface unit 205.

The information receiving unit 215 inputs (or selects) specific card activation fund management information including at least one or more specific card information, activation fund information, and payment rate information per payment through the user interface at the information registration terminal. When transmitting through the financial network, the specific card activation fund management information is received in conjunction with the interface unit 205, and the received specific card activation fund management information to the information storage unit 220 to provide.

When the specific card activation fund management information is received, the information storage unit 220 is linked to the specific card information, activation fund information, payment rate information per payment included in the specific card activation fund management information to the storage medium And the storage medium 225 is provided in the information registration server 200 or on the network associated with the information registration server 200. In step 220, the specific card information included in the received specific card activation fund management information, activation fund information, and payment recovery rate information per payment are preferably stored in the storage medium 225, and the storage medium. When 225 is provided in the DBMS provided on the financial system, the information storage unit 220 is the specific card information, activation included in the received specific card activation fund management information Gold information, billing rate per funds collected information via the FEP system on the financial system provided to step information is preferably stored in a DBMS provided on the financial system.

3 is a diagram illustrating a process of registering specific card activation fund management information in a face-to-face manner according to an embodiment of the present invention.

In more detail, FIG. 3 shows a case in which the information registration server 200 on the information registration system shown in FIG. 2 has a ledger server (not shown) function on the financial system linked to the counter terminal through a predetermined financial network. In this case, the window terminal connects to the information registration server 200 and connects a communication channel for registering a specific card activation fund management information according to the present invention, and then the information registration server 200 through the communication channel. When the specific card activation fund management information including specific card information, activation fund information, and fund recovery rate information per payment is transmitted, the specific card included in the received specific card activation fund management information is received from the information registration server 200. The present invention relates to an implementation method of linking and processing information, activation fund information, and fund recovery rate information per payment, in a predetermined storage medium 225. Those skilled in the art can infer various implementation methods for registering the specific card activation fund management information from the window terminal to the information registration server 200 by referring to or modifying the drawing 3. However, the present invention includes all the implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

Hereinafter, in Fig. 3, the window terminal shown in Fig. 2 is referred to as a "terminal" for convenience, and the information registration server 200 shown in Fig. 2 is referred to as a "server" for convenience, and the information is registered in the window terminal. The specific card information, activation fund information, and payment recovery rate information per transmission to the server 200 are referred to as "specific card activation fund management information" for convenience.

Referring to FIG. 3, the window terminal shown in FIG. 2 connects a predetermined communication channel for accessing the server through a predetermined financial network to register the specific card activation fund operation information, and the specific card activation fund. When requesting registration of the specific card activation fund management information for operation and collection (300), the server generates (or extracts) a predetermined information registration interface for registering the specific card activation fund management information (305), The generated (or extracted) information registration interface is transmitted to the terminal through the communication channel and output (310).

According to an embodiment of the present invention, the information registration interface inputs (or selects) specific card activation fund operation information including at least one of the specific card information, activation fund information, and payment rate information per settlement. It is preferred to include a user interface.

Thereafter, the terminal inputs (or selects) specific card activation fund management information including at least one or more specific card information, activation fund information, and fund recovery rate information per payment through the information registration interface (315).

If the terminal receives (or selects) specific card activation fund operation information including the specific card information, activation fund information, and payment rate information per payment through the information registration interface (320), the terminal receives the financial information. The specific card activation fund management information including the inputted (or selected) specific card information, activation fund information, and payment recovery rate information is transmitted to the server through the network (325).

Thereafter, the server receives the specific card information, the activation fund information, and the fund recovery rate information per settlement through the financial network (330).

In addition, the server performs an information registration procedure corresponding to the specific card activation fund management information, the specific card information, the activation fund information, and the fund recovery rate information per payment case is stored in a predetermined storage medium 225 (335).

According to one embodiment of the invention, the storage medium 225 is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the storage medium Reference numeral 225 may be a ledger D / B provided in the DBMS on the financial system or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 225 may include at least one of an internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the information registration system. It is possible to be provided in a DBMS on one or more banking systems, whereby the present invention is not limited.

Thereafter, the server generates predetermined information registration history information and transmits it to the terminal (340), thereby completing the procedure of registering the specific card activation fund management information transmitted from the terminal.

4 is a diagram illustrating a non-face-to-face information registration system for operating and collecting a specific card activation fund according to another embodiment of the present invention.

In more detail, Figure 4 shows that a member of a financial institution (eg, a bank, etc.) collects specific card information, activation fund information, and payments per settlement for the operation and collection of the specific card activation fund through an information registration system through a predetermined information registration interface. When the specific card activation fund management information including at least one rate information is provided, the specific card information, activation fund information, and fund recovery rate information included in the specific card activation fund management information provided by the information registration system are provided. As a system configuration for storing in a predetermined storage medium 425 by linkage processing, those skilled in the art to which the present invention pertains, refer to or modify this drawing 4 to operate and recover the specific card activation fund It would be possible to infer various implementation methods for the information registration system configuration. It said method includes all embodiments in which the inference, shall not be limited to the exemplary method shown in the figure 4.

Hereinafter, at least for storing the specific card activation fund management information provided from the employees of the financial institution (eg, a bank, etc.) on the storage medium 425 through a predetermined information registration interface on the information registration system shown in FIG. 4. Components corresponding to one or more means or functional configurations are referred to as " information registration server 400 " for convenience.

Referring to FIG. 4 according to an embodiment of the present invention, the information registration system for operating and collecting the specific card activation fund includes at least one client terminal including at least one wired terminal or wireless terminal used by an employee. Characterized in that it comprises an information registration terminal, the information registration terminal is connected to the communication channel and the information registration server 400 provided on the information registration system through a predetermined network means.

According to an exemplary embodiment of the present invention, an employee of the financial institution (eg, a bank) may use the information registration server through at least one or more client terminals of a wired terminal connected to a predetermined wired communication network or a wireless terminal connected to a predetermined wireless communication network. 400, the client terminal inputs (or selects) specific card activation fund management information for operating and collecting the specific card activation fund through at least one user interface provided by the information registration server 400. It is preferable to transmit to the information registration server 400 provided on the information registration system through a predetermined network means.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network, and a desktop computer or a notebook computer connected to the TCP / IP based communication network (Notebook). ), Or a home appliance terminal (eg, a set-top-box) connected to the TCP / IP based communication network, or a kiosk connected to the TCP / IP based communication network. Do.

In addition, the wireless terminal connected to the wireless communication network is any terminal device connected to a mobile communication network based on CDMA (Code Division Multiple Access), or all terminal devices connected to the portable Internet based on IEEE 802.16x, Motorola's DataTAC method or Erricson's Mobitex A generic term for all terminal devices connected to a wireless data communication network, which is a Personal Communication System (PCS) or Global System for Mobile communications (GSM) terminal or a Personal Digital Cellular terminal connected to the CDMA-based mobile communication network. A PDC or PHS (Personal Handyphone System) terminal or a Personal Digital Assistant (PDA) or a smart phone or telematics, or a portable Internet terminal connected to the IEEE 802.16x based mobile Internet, or A wireless device connected to the DataTAC / Mobitex based wireless data communication network It is preferable to include at least one or more data communication terminals.

In addition, the information registration server 400 connected to the client terminal may be any one of an internet banking server, a wireless banking server, a tele banking server, a TV banking server, or the information registration according to the characteristics of the client terminal and network means. It is preferable to include a separate web server for.

In addition, the network means for connecting the client terminal and the information registration server 400 is based on the CDMA-based mobile communication network or IEEE 802.16x-based portable Internet or DataTAC / Mobitex based on the type of wireless communication network connected to the client terminal Any one of the wireless data communication networks, or preferably includes all kinds of wireless communication networks proposed in the future including a predetermined wireless interval.

In addition, the client terminal outputs at least one or more user interfaces provided by the information registration server 400, inputs or selects at least one or more information through the user interface, and transmits the information to the information registration server 400. It is preferable that a function configuration (e.g., a browser program and a communication function, or a predetermined communication program and communication function to communicate with the information registration server 400) is provided.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the client terminal corresponding to at least one or more wired terminals or wireless terminals, and thus a detailed description thereof is omitted for convenience.

In the above information registration system, a client terminal including at least one wired terminal or a wireless terminal used by the employee, and at least one wired or wireless communication network connecting the client terminal and the information registration server 400. The customer performs the function of the information registration interface for registering the specific card activation fund management information for the specific card activation fund operation and recovery.

According to another embodiment of the present invention, the information registration terminal, in addition to the client terminal, a predetermined call terminal connected to a wired telephone network such as a public switched telephone network (PSTN) and a voice over IP (VoIP) network (Not shown), or further comprising a predetermined communication terminal (not shown) connected to a wireless telephone network such as a mobile communication network, a wireless VoIP network, or at least one affiliated with the financial institution Terminal (or server) (not shown) provided in the may be further included, whereby the present invention is not limited.

In the information registration system as described above, when the information registration terminal is the call terminal (not shown), the call terminal (not shown) and the call terminal (not shown) connect the information registration server 400. A wired telephone network or a wireless telephone network performs a function of an information registration interface for the customer to register a specific card activation fund operation information for the operation and collection of the specific card activation fund, or is affiliated with the financial institution that is the information registration terminal. When the terminal (or server) (not shown) provided in the institution, the network connecting the terminal (or server) (not shown) and the terminal (or server) (not shown) and the information registration server 400 The customer performs a function of an information registration interface for registering the specific card activation fund management information for the operation and recovery of the specific card activation fund.

The storage medium 425 provided on the information registration system according to the present invention includes the specific card information, activation fund information, and fund recovery rate information included in the specific card activation fund management information provided from the information registration terminal. Characterized in that it is stored in a predetermined storage medium 425 by linking processing, the specific card including at least one or more of the specific card information, activation fund information, payment rate information per payment stored in the storage medium 425 The activation fund management information is used for the operation and recovery of the specific card activation fund.

The specific card information is a name, card number, expiration date, card issuance affiliation (or request) corresponding to a card subject to operation, management, issuance, etc. by a fund provided for the purpose of activation by the financial institution according to the present invention. ) At least one or more engine information.

The activation fund information preferably comprises at least one or more amounts of information (eg, donating) provided by the financial institution for the activation of the specific card, donation date information, and information on a donation target institution according to the present invention. .

The fund recovery rate information per settlement includes ratio (%) information for determining the amount to be provided to the financial institution when the specific card is settled for the purpose of recovering the activated funds provided by the financial institution. It is preferable to comprise.

According to one embodiment of the invention, the storage medium 425 is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the storage medium 425 may be a ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 425 is provided on at least one banking system of an internet banking system, a telebanking system, or a wireless banking system provided on (or associated with) the information registration system. It is possible to be provided in the DBMS, whereby the present invention is not limited.

The information registration server 400 provided on the information registration system according to the present invention is a generic term for the components of the information registration system side connected to the information registration terminal through a predetermined network means, and includes at least one server (or apparatus). ), Or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), and thus the present invention is not limited thereto.

According to an embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal or a wireless terminal connectable to an Internet banking server on a predetermined internet banking system, the information registration server 400 is the Internet banking system. A predetermined internet banking server provided on the program, a program provided in the internet banking server, a predetermined server (or device) accessible to the external system of the financial system through the internet banking system, or the server ( Or a server (or device) provided in an external system on the financial system accessible through the Internet banking server (or the server (or device)), or an external system on the financial system. It may be a program provided in, by which the present invention is not limited.

According to another exemplary embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connectable to a wireless banking server on a predetermined wireless banking system, the information registration server 400 is on the wireless banking system. A predetermined wireless banking server or a program provided in the wireless banking server, or a predetermined server (or device) accessible to the outside world of the financial system through the wireless banking system, or the server (or device) Or a server (or device) provided to an external system on the financial system accessible through the wireless banking server (or the server (or device)), or to an external system on the financial system. It may be a program provided, by which the present invention is not limited.

According to another exemplary embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the information registration server 400 is located on the telebanking system. A predetermined telebanking server (for example, an Automatic Response Service (ARS) server) or a program provided in the telebanking server, or a predetermined server accessible to the external system of the financial system through the telebanking system. (Or a device), a program provided in the server (or device), or a server (or device) provided in the external world on the financial system accessible through the telebanking server (or the server (or device)). Or it may be a program provided in the external world on the financial system, whereby the present invention is not limited.

According to an embodiment of the present invention, the information registration server 400 is characterized in that it comprises an interface unit 405 for connecting and managing a predetermined communication channel with the information registration terminal through the network means.

According to an exemplary embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 405 is based on a protocol stack defined in the wired communication network or a wireless communication network. By connecting the predetermined communication channel with the client terminal, it is preferable to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in the communication program provided in the client terminal.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 405 connects a communication channel with the client terminal based on the TCP / IP protocol. Provides a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) or information using the HTTP protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the information registration server 400, the interface unit 405 communicates with the client terminal based on the TCP / IP protocol. It connects a channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another embodiment of the present invention, if the information registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 405 is based on the protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for connecting at least one communication channel with a client terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) or ME (Mobile Explorer) protocol is provided in the client terminal, the interface unit 405 connects a communication channel with the client terminal based on the CDMA protocol. In addition, a communication interface for transmitting and receiving a web page (eg, a WML (Wireless Markup Language) compatible web page, or an HTML compatible web page) or information is provided using a WAP / ME protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip-based banking program) provided by the information registration server 400, the interface unit 405 is connected to the client terminal based on the CDMA protocol. It connects a communication channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface unit 405 is a voice call defined in the wired telephone network or a wireless telephone network. It is preferable to connect a communication terminal (not shown) with a predetermined communication path based on a protocol, and provide a communication interface for transmitting and receiving the information (or data) based on the voice call.

For example, the interface unit 405 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, or provides a communication interface for transmitting and receiving information based on voice recognition. .

Referring to FIG. 4, the information registration server 400 connects a communication channel with the information registration server 400 through the interface unit 405 and then connects the communication unit 405 with the interface unit 405. An interface providing unit 410 which generates (or extracts) a predetermined user interface for inputting (or selecting) and transmitting predetermined specific card activation fund management information from the information registration terminal in association with the information registration terminal; And an information receiving unit 415 for receiving predetermined card activation fund management information inputted (or selected) and transmitted from the information registration terminal through the user interface in association with the interface unit 405, and the received specific function. The predetermined storage medium (425) by linking and processing the specific card information, activation fund information, and fund recovery rate information per payment included in the card activation fund operation information. And an information storage unit 420 to be stored.

The interface providing unit 410 connects a communication channel with the information registration server 400 through the interface unit 405 and then corresponds to the functional configuration provided in the information registration terminal. Generate a predetermined user interface that can input (or select) a specific card activation fund management information and transmit it to the information registration server 400 through the network means, or extract from a predetermined database (not shown), The user interface generated in conjunction with the interface unit 405 is provided (or extracted) to the information registration terminal through the network means.

Subsequently, the information registration terminal inputs (or selects) specific card activation fund operation information including at least one of the specific card information, activation fund information, and payment recovery rate information per payment, based on the user interface, and the input is performed. (Or selected) specific card activation fund management information is transmitted to the information registration server 400 through the network means.

According to an embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal or a wireless terminal connected to a predetermined wired communication network or a wireless communication network, the interface providing unit 410 is provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided as a browser program or a communication program, and to provide the generated client interface to the client terminal through the interface unit 405.

According to another embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 410 is a browser program or a communication program provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided, and provide the generated (or extracted) user interface to the client terminal through the interface unit 405.

According to another exemplary embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface providing unit 410 may be provided to the call terminal (not shown). Creating (or extracting) a predetermined user interface and providing the generated (or extracted) user interface (eg, ARS based user interface) to the call terminal (not shown) through the interface unit 405. desirable.

According to another embodiment of the present invention having at least one user interface for inputting (or selecting) the specific card activation fund management information to the information registration terminal to the information registration server 400 via the network means; When a predetermined information registration program is provided, the interface providing unit 410 for providing the user interface to the information registration terminal may be omitted, and the present invention is not limited thereto.

The information receiving unit 415 inputs (or selects) specific card activation fund management information including at least one or more specific card information, activation fund information, and payment rate information per settlement through the user interface at the information registration terminal. When the transmission via the network means, in conjunction with the interface unit 405 is characterized in that for receiving the specific card activation fund management information, the received specific card activation fund management information to the information storage unit 420 to provide.

When the specific card activation fund management information is received, the information storage unit 420 processes the specific card information, the activation fund information, and the fund recovery rate information per payment unit included in the specific card activation fund management information in the storage medium. And the storage medium 425 is provided in the information registration server 400 or on the network associated with the information registration server 400. In step 420, the specific card information, activation fund information, and payment recovery rate information per payment included in the received specific card activation fund management information are processed and stored in the storage medium 425, and the storage medium When 425 is provided in the DBMS provided on the financial system, the information storage unit 420 is the specific card information, activation included in the received specific card activation fund management information Gold information, billing rate per funds collected information via the FEP system on the financial service group to step information is preferably stored in a DBMS provided on the financial system.

5 is a diagram illustrating a process of registering specific card activation fund management information in a non-face-to-face manner for operating and collecting a specific card activation fund according to one embodiment of the present invention.

In more detail, FIG. 5 illustrates a case where the information registration server 400 on the information registration system shown in FIG. 4 has a web server function to which a client terminal can be connected through a predetermined network means. After connecting to the information registration server 400 and connecting the communication channel for registration of the specific card activation fund management information according to the present invention, the specific card information, activation fund information to the information registration server 400 through the communication channel , When the specific card activation fund management information including fund recovery rate information per payment is transmitted, the specific card information, activation fund information, and payment included in the received specific card activation fund management information at the information registration server 400. The present invention relates to an implementation method of linking and processing per capita rate recovery information in a predetermined storage medium 425. If one of ordinary skill in the art, by referring to or modifying the present Figure 5 can be inferred various implementation methods for registering the specific card activation fund management information from the client terminal to the information registration server 400. However, the present invention includes all implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 5, the client terminal illustrated in FIG. 4 is referred to as a “terminal” for convenience, and the information registration server 400 illustrated in FIG. 4 is referred to as a “server” for convenience and the information is registered in the client terminal. The specific card information, the activation fund information, and the fund recovery rate information per payment transmitted to the server 400 are referred to as "specific card activation fund management information" for convenience.

Referring to Figure 5, the client terminal shown in Figure 4 is a predetermined network means (e.g., when the client terminal is a wired terminal, a TCP / IP based wired communication network, when the client terminal is a wireless terminal, CDMA based mobile A specific communication channel for registering the specific card activation fund management information by accessing the server through a communication network or an IEEE 802.16x based portable Internet, etc., and the specific card for operating and collecting the specific card activation fund. When requesting activation fund management information registration (500), the server generates (or extracts) a web page corresponding to a predetermined information registration interface for registering the specific card activation fund management information (505), and establishes the communication channel. The generated (or extracted) web page is transmitted to the terminal and output (510).

According to an embodiment of the present invention, the information registration interface inputs (or selects) specific card activation fund operation information including at least one of the specific card information, activation fund information, and payment rate information per settlement. It is preferred to include a user interface.

In addition, the web page transmission or output process is preferably performed at least once according to the specific card activation fund management information registration procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) specific card activation fund management information including at least one or more specific card information, activation fund information, and payment rate information per settlement through the information registration interface (515).

If the terminal receives (or selects) specific card activation fund management information including the specific card information, activation fund information, and payment rate information per payment through the information registration interface (520), the terminal communicates with the communication. The specific card information, the activation fund information, and the fund recovery rate information per settlement are transmitted to the server through the channel (525).

According to an embodiment of the present invention, the specific card information, activation fund information, and fund recovery rate information per settlement are transmitted to the server through the information registration interface. (Or selected) may further include transmitting the specific card activation fund management information to the server by electronic signature or encryption through a security module provided in the terminal.

Thereafter, the server receives the specific card information, the activation fund information, and the fund recovery rate information per payment through the communication channel (530).

According to the method of the present invention, the specific card activation fund management information receiving process, when the specific card activation fund management information is electronically signed or encrypted through the security module provided in the terminal, the specific card activation fund management information Decrypting, or may further comprise decoding the specific card activation fund management information.

When the specific card activation fund management information is received, the server performs an information registration procedure corresponding to the specific card activation fund management information, thereby linking and processing the specific card information, activation fund information, and fund recovery rate information per settlement. The data is stored in a predetermined storage medium 425 (535).

According to one embodiment of the invention, the storage medium 425 is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the storage medium 425 may be a ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 425 may include at least one of an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the information registration system. It is possible to be provided in a DBMS on one or more banking systems, whereby the present invention is not limited.

Thereafter, the server generates a web page including predetermined information registration history information and transmits the generated web page to the terminal (540), thereby completing the procedure of registering the specific card activation fund management information transmitted from the terminal.

6 is a diagram showing the configuration of the fund management system according to an embodiment of the present invention.

In more detail, Figure 6 relates to an activation fund management system for processing the specific card activation fund operation and collection when payment processing through a predetermined offline payment channel using a card issued through a predetermined card issuing system, Those skilled in the art to which the present invention belongs, various reference for the configuration of the specific card activation fund operation system for the recovery and operation of the amount provided to the specific card activation fund by referring to or modifying this figure 6 Although the implementation method may be inferred, the present invention includes all the implementation methods inferred above, and the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 6, the specific card activation fund operation system connects a payment terminal provided at a predetermined offline affiliated store and a payment server 600 for processing payment approval for the card, and the payment terminal and payment server 600. Is connected to the communication network (eg, Value Added Network (VAN)) and the payment server 600 through a predetermined communication means, and comprises a fund management server 665 for operating a specific card activation fund It features.

In FIG. 6, the payment server 600 on the specific card activation fund operation system is illustrated as one server. However, this is only an exemplary method for effectively explaining the technical features of the present invention. Various functional components constituting may be implemented through at least two or more separate servers (or devices), whereby the present invention is not limited.

In addition, in FIG. 6, the fund management server 665 on the specific card activation fund operation system is illustrated as one server, but this is only an implementation method for effectively explaining the technical features of the present invention. Various functional components constituting the 600 may be implemented through at least two or more separate servers (or devices), whereby the present invention is not limited thereto.

In addition, in FIG. 6, the payment server 600 and the fund management server 665 on the specific card activation fund management system may be configured as one server, which will be described in more detail below. Shall be.

The payment terminal is characterized in that it comprises at least one CAT (Credit Authorization Terminal), or POS (Point Of Sales) terminal with a payment function, a predetermined card from the card through at least one card reader After reading the information, inputting a payment amount through a predetermined key input device, and generating a full payment approval request message including the card information, the payment amount, and the affiliated store information, the communication network (eg, a value-added communication network (VAN)). It is characterized in that for transmitting to the payment server 600 through).

In addition, the payment server 600, characterized in that it comprises at least one server provided in the financial company (for example, card company or bank) to process the payment approval for the card, from the payment terminal After receiving the payment approval request message including the card information, the payment amount and the merchant information, characterized in that the payment authorization processing of the payment amount contained in the payment approval request message through the card.

In addition, the communication network connecting the payment terminal and the payment server 600, Bansa server for relaying at least one or more payment-related full text between the payment terminal and the payment server 600 based on at least one backbone network (not shown) And at least one wired and wireless communication network.

Those skilled in the art to which the present invention pertains, the technical features of the payment terminal and the technical features of the conventional payment server 600 and the technical features of the communication network connecting the payment terminal and the payment server 600 Since it will be familiar with, detailed description thereof will be omitted for convenience.

According to the method of the present invention, the payment server 600 is the customer information issuing the card through a predetermined card issuing system, the card information corresponding to the card issued to the customer and the card attribute information and the A predetermined card information D / B 655 for linking and storing card limit information corresponding to a card, or interworking with a predetermined DBMS for operating the card information D / B 655, or the card It is preferable to interwork with a DB server (not shown) provided with the information D / B 655.

The customer information includes personal information (eg, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.) of the customer who issued the card through a predetermined card issuing system, and a member of the customer. It is preferable to include at least one information (for example, member ID information).

Preferably, the card information includes a predetermined card number corresponding to a card issued to the customer through a predetermined card issuing system, and the card issuing organization information (eg, card issuing organization number (or code)) and Card type information (e.g., card identification number (or code)) and expiration date information (some may be omitted) for the card are preferably further included.

According to the method of the present invention, the card information is preferably matched with the predetermined payment means information corresponding to the card, the payment means credit card payment means, check card payment means, debit card payment means, prepaid card It is preferable to include at least one or more of the payment means.

The card attribute information may include a payment attribute (eg, postpaid, debit, prepaid, etc.) for a card issued to the customer through a predetermined card issuing system, and a royalty attribute including a mileage accumulation policy for the card. And at least one or more additional service attributes associated with the card.

The card limit information preferably includes information for confirming a limit amount for payment approval for a payment amount using the card according to a payment means characteristic corresponding to the card or a payment attribute of the card.

According to an embodiment of the present invention, when the payment means corresponding to the card includes a credit card payment means (or postpaid payment attribute), the card limit information includes predetermined credit limit amount information for the card. It is preferable to make it.

According to another embodiment of the present invention, if the payment means corresponding to the card comprises a check card / debit card payment means (or a debit payment attribute associated with the account) associated with a predetermined account, the card limit The information preferably includes predetermined account information (or account balance information) associated with the card.

According to another embodiment of the present invention, when the payment means corresponding to the card comprises a prepaid card payment means (or prepaid payment attribute), the card limit information is a predetermined charge pre-charged in the card It is preferable to include the amount information.

Referring to FIG. 6, the payment server 600 connects and manages at least one payment terminal and a communication channel for transmitting and receiving payment-related professional messages through a communication network including at least one value-added communication network (VAN) or a financial common network. A professional receiving unit 610 for receiving a payment approval request message including at least one of card information, payment amount, and merchant information from the payment terminal in association with the interface unit 605; It is characterized in that it comprises a specialized transmission unit 615 for transmitting a payment approval result full text corresponding to the payment approval request full text to the payment terminal in connection with the interface unit 605.

When the payment terminal reads the card information through a predetermined card reader, generates a payment approval request message including the card information, the payment amount, and the affiliated store information, and transmits it through the communication network, the specialized reception unit 610. In connection with the interface unit 605, characterized in that for receiving the payment approval request full text.

If the payment server 600 completes the payment approval procedure corresponding to the full payment approval request, and generates a payment approval result message including a predetermined payment processing history, the full text transmission unit 615 may be configured as the interface unit ( In step 605, the payment approval result information may be transmitted to the payment terminal.

Those skilled in the art to which the present invention pertains will be familiar with technical features for transmitting and receiving the payment approval request text and the payment approval result text through the value-added communication network or the financial common network. Is omitted for convenience.

Referring to FIG. 6, when the payment server 600 receives the full payment approval request message including the card information, payment amount, and merchant information from the payment terminal through the information receiving unit 670, the received payment is received. The card information checking unit 620 confirms whether the card information included in the full text of the authorization request matches the card information issued through the card issuing system, and the card information included in the full text of the payment approval request is the card information D /. When matched with the card information provided in the B (655), in connection with the card information D / B (655) by comparing the card limit information associated with the card information and the payment amount payment of the payment amount through the card A payment approval processing unit 625 for processing the approval, and a payment processing result including any one of predetermined payment error information and payment approval information corresponding to the payment approval processing. The information generating unit 630 for generating predetermined payment processing history information, and predetermined transaction history information obtained by classifying payment processing history including predetermined payment approval information among the payment processing results by date and time, and the predetermined transaction history D And an information storage unit 635 stored in / B 660, and the generated payment processing history information is transmitted to the payment terminal through the specialized transmission unit 615. .

According to the present invention, the payment server 600, the card information included in the full payment approval request received from the payment terminal is stored in the storage medium 225 through the information registration system shown in FIG. The specific card verification unit 640 confirms whether the coincides with the specific card information included in the specific card activation fund management information, and the fund recovery rate information per payment included in the specific card activation fund management information stored in the storage medium 225. By reference, the information calculating unit 645 for calculating the fund recovery amount corresponding to the payment approved payment amount and provide the calculated fund recovery amount information to the fund management server 665 provided in the financial institution; And an information processor 650 for depositing the funds collected by the financial institution.

According to the exemplary embodiment of the present invention, when the payment approval request message including the card information, the payment amount, and the affiliated store information is received from the payment terminal through the information receiving unit 670, the card information checking unit 620 receives the message. Characterized in that the card information included in the full payment approval request received from the payment terminal is matched with the card information issued through the card issuing system.

According to the exemplary embodiment of the present invention, the card information checking unit 620 uses the card information included in the full payment approval request as a keyword to search / search card information stored in the card information D / B 655. By doing so, it is preferable to check whether the card information included in the full payment approval request is card information issued through the card issuing system.

If the card information included in the payment approval request text is matched with the card information provided in the card information D / B 655, the payment approval processing unit 625 may check the card information from the card information D / B 655. And confirming card limit information on the card stored in association with card information, and comparing the confirmed card limit information with the payment amount to approve the payment amount through the card.

According to an exemplary embodiment of the present invention, when the payment means corresponding to the confirmed card information includes a credit card payment means (or postpaid payment attribute), the payment approval processing unit 625 performs the card information D / B. And confirming the predetermined credit limit amount information stored in association with the card information, and comparing the confirmed credit limit amount information with the payment amount, thereby processing payment approval for the payment amount through the card. Characterized in that.

According to another embodiment of the present invention, when the payment means corresponding to the confirmed card information comprises a check card / debit card payment means (or a debit payment attribute associated with the account) associated with a predetermined account, The payment approval processing unit 625 checks predetermined account information stored in association with the card information from the card information D / B 655 and stores the account balance in connection with a predetermined financial system in which the account is opened. After confirming, by comparing the confirmed account balance with the payment amount, the payment approval for the payment amount is processed through the card.

If the account balance information stored in association with the card information is directly stored in the card information D / B 655, the payment approval processing unit 625 may transfer the card information from the card information D / B 655. After confirming the account balance stored and stored in a linked process, it is possible to process payment approval for the payment amount through the card by comparing the confirmed account balance with the payment amount.

According to another embodiment of the present invention, when the payment means corresponding to the confirmed card information comprises a prepaid card payment means (or prepaid payment attribute), the payment approval processing unit 625 is the card information D Confirms the predetermined charge amount information stored in association with the card information from / B 655 and compares the confirmed charge amount information with the payment amount to process payment approval for the payment amount through the card; Characterized in that.

The payment approval processing unit 625 processes any payment approval information (eg, payment error code) or payment approval information (eg, payment approval number) in the process of processing payment approval for the payment amount through the card. Characterized by generating a payment processing result including one.

When the payment approval processing unit 625 generates a payment processing result including any one of the payment error information (eg payment error code) or payment approval information (eg payment approval number), the information generation unit ( 630 generates predetermined payment processing history information including the card information, payment amount information, merchant information and payment processing result, and the specialized transmission unit 615 is associated with the interface unit 605. It is characterized in that for transmitting the predetermined payment approval result including the payment processing history information to the payment terminal through the communication network.

When the predetermined payment processing history information including the payment approval information (eg, payment approval number) is generated by the payment approval processing unit 625, the information storage unit 685 stores the payment processing history information (eg, the A predetermined transaction processing history including card information, payment amount information, merchant information, and payment approval information), and generates predetermined transaction history information further including the payment date and time information to the predetermined transaction history D / B 660. It is characterized by storing.

If the specific card confirmation unit 640 successfully performs the payment approval process for the payment approval request message received through the information receiving unit 670, the card information included in the payment approval request message is shown in FIG. Through the information registration system shown in Figure 4 characterized in that it is confirmed whether the specific card information included in the specific card activation fund management information stored in the storage medium 225, and the verification result to the information calculation unit 645 to provide.

The checking of the matching of the card information may include checking whether at least one or more of a card name, a card number, and a card issuing (or affiliated) institution information match.

The information calculating unit 645 matches the card information processed through the specific card checking unit 640 with the specific card information included in the specific card activation fund management information stored in the storage medium 225. The amount of the fund recovery corresponding to the payment amount approved for payment is calculated by referring to the fund recovery rate information included in the specific card activation fund management information stored in the storage medium 225. The calculated fund collection amount information is provided to the information processing unit 650.

For example, if the fund recovery rate information per payment included in the specific card activation fund management information stored in the storage medium 225 is 0.2%, and the payment approved amount is 50,000 won, the information calculating unit 645 may include the Fund recovery amount can be calculated using the fund recovery rate and settlement approval amount (0.2% (payment rate per settlement) X 50,000 won (payment approval amount) = 100 won)

The information processing unit 650 provides the calculated fund recovery amount information to the fund management server 665 provided in the financial institution when the fund recovery amount for the card settlement is calculated through the information calculation unit 645. And depositing the fund collection amount into the financial institution.

Here, the information processing unit 650 preferably deposits the fund collection amount into an account provided for the specific card activation fund operation of the financial institution.

Referring to FIG. 6, the fund management server 665 periodically receives the information on the amount of funds received from the payment server 600 through the communication means, and the accumulated amount of funds collected. A cumulative amount checking unit 675 for confirming that the identified accumulated fund recovery amount satisfies the (funded) activation fund provided for the specific card activation, and accumulates and stores the received fund recovery amount information. The information storage unit 685 for storing in the medium 690, and when the identified cumulative fund recovery amount satisfies the activation fund provided (provided) for the specific card activation, the activation fund accumulation amount information is wired and wireless communication Characterized in that it comprises an information providing unit 680 provided to the manager (financial institution employee) terminal through the means.

The information receiving unit 670 periodically receives (or each payment) funds collection amount information provided from the payment server 600 through the communication means, and receives the received fund collection amount information. The information storage unit 685 and the accumulated amount confirmation unit 675 are provided.

The information storage unit 685 accumulates the received fund recovery amount information and stores the accumulated fund recovery amount information in the storage medium 690, and accumulates the accumulated fund recovery amount stored in the storage medium 690. 675).

The accumulated amount checking unit 675 periodically checks accumulated fund recovery amount information stored in the storage medium 690, so that the identified accumulated fund recovery amount is provided for the specific card activation (donated) activation fund. It is characterized by checking whether it satisfies.

Alternatively, the cumulative amount checking unit 675 checks the balance of the account when the fund collection amount is deposited from the payment server 600 to an account provided for the specific card activation fund operation of the financial institution. It is characterized by checking whether the balance satisfies the (funded) activation fund provided for the specific card activation.

For example, if the activation fund provided (or donated) for the specific card activation is 100 million won, the cumulative amount checking unit 675 periodically checks whether the amount of funds collected due to the use of the specific card satisfies the 100 million won. It is characterized by checking.

The information providing unit 680 collects the activation fund accumulation amount information when the accumulation fund recovery amount confirmed through the accumulation amount confirmation unit 675 satisfies the activation fund provided for the specific card activation. It is characterized in that it provides to the administrator (financial institution employee) terminal that registered the specific card activation fund management information on the information registration system shown in FIG.

7A and 7B illustrate a process of operating a specific card activation fund according to one embodiment of the present invention.

In more detail, Figure 7a and Figure 7b is a process for processing the operation and collection of the specific card activation fund when the payment processing through a predetermined offline payment channel using a card issued through a predetermined card issuing system, Those skilled in the art to which the present invention pertains may refer to or modify the drawings 7a and 7b to infer various implementation methods for the recovery and operation of the amount provided to the specific card activation fund. As will be appreciated, the present invention includes all implementation methods inferred from the above, and the technical features are not limited to the implementation methods shown in FIGS. 7A and 7B.

Referring to FIGS. 7A and 7B, the payment terminal on the offline card payment system illustrated in FIG. 6 generates a full payment approval request message including the card information, the payment amount, and the merchant information, and transmits it to the payment server 600. The lower surface 700a, the payment server 600 receives the full text of the payment approval request, and the card information included in the received full text of the payment approval request is issued through the card issuing system to provide the card information D / B ( It is checked whether the card information matches the card information stored at 655 (705a).

According to an exemplary embodiment of the present invention, the affiliate server may query / search card information stored in the card information D / B 655 using card information included in the payment approval request text as a keyword, thereby displaying the card information. It is preferable to check whether the card information issued through the card issuing system.

Those skilled in the art to which the present invention pertains, because they will be familiar with the technical features and professional transmission and reception procedures of the payment terminal for transmitting the full payment approval request, a detailed description thereof will be omitted for convenience.

If the card information included in the full payment approval request is not matched with the card information stored in the card information D / B 655 (710a), the payment server 600 includes the card information error code. The payment approval result is generated and transmitted to the payment terminal (715a).

On the other hand, if it is confirmed that the card information included in the full payment approval request is matched with the card information stored in the card information D / B 655 (710a), the payment server 600 determines the card information D / The limit amount for the card is checked based on the card limit information associated with the card information from B 655 (720a).

According to an embodiment of the present invention, when the payment means corresponding to the confirmed card information comprises a credit card payment means (or postpaid payment attribute), the card company server from the card information D / B (655) It is preferable to process payment approval for the payment amount through the card by confirming predetermined credit limit amount information stored in association with the card information and comparing the confirmed credit limit amount information with the payment amount. .

According to another embodiment of the present invention, when the payment means corresponding to the confirmed card information comprises a check card / debit card payment means (or a debit payment attribute associated with the account) associated with a predetermined account, The card company server confirms predetermined account information stored in association with the card information from the card information D / B 655, and checks the account balance in connection with a predetermined financial system in which the account is opened. It is preferable to process payment approval for the payment amount through the card by comparing the confirmed account balance with the payment amount.

Alternatively, when the account balance information stored in association with the card information is directly stored in the card information D / B 655, the card company server is processed in association with the card information from the card information D / B 655. After confirming the stored account balance, it is possible to process payment approval for the payment amount through the card by comparing the confirmed account balance with the payment amount.

According to another embodiment of the present invention, when the payment means corresponding to the confirmed card information comprises a prepaid card payment means (or prepaid payment attribute), the card company server is the card information D / B (655) It is preferable to process payment approval for the payment amount through the card by confirming predetermined charge amount information stored in association with the card information and comparing the confirmed amount amount with the payment amount. .

If the limit amount for the card is confirmed (725a), the payment server 600 compares the payment amount with the limit amount, and performs a payment approval procedure for processing the payment amount using the card. (730a).

If, as a result of the payment approval, payment approval for the payment amount is not confirmed (735a), the payment server 600 receives payment processing history information including payment error information (for example, payment error code) for the card. Generate (740a) and generate a payment approval result text including the payment processing details and transmit it to the payment terminal (755a).

On the other hand, if the payment approval is confirmed as payment result for the payment amount (735a), the payment server 600 includes the card information, payment amount information, merchant information and payment approval information (for example, payment approval number) Generating payment processing history information (745a), the transaction processing information including the card information, payment amount information, merchant information and payment approval information, and transaction history information including the payment date and time information; After storing in B (660) (750a), and generates a full payment approval result including the payment processing history and transmits to the payment terminal (755a).

According to FIG. 7B, the payment server 600 is linked with the storage medium 225 and compares the payment approval card information with specific card information included in the specific card activation fund management information to determine whether there is a match (see FIG. 7B). 700b).

If the payment approval card information matches the specific card information included in the specific card activation fund management information (705b), the payment server 600 is stored in the specific card activation fund management information stored in the storage medium 225. Check the fund recovery rate information per settlement (710b).

In addition, the payment server 600 confirms the payment approved amount of money (715b), and calculates a fund recovery amount by using the confirmed payment approval processing amount and fund recovery rate information per payment (720b).

When the fund recovery amount is calculated, the settlement server 600 periodically provides the calculated fund recovery amount information to the fund management server 665 and deposits the fund recovery amount into a financial institution account (725b). .

Thereafter, the fund management server 665 periodically receives fund collection amount information from the payment server 600 (730b), and checks whether the accumulated fund collection amount satisfies a specific card activation fund (735b).

According to the method of the present invention, the fund management server 665, when the fund collection amount is deposited from the payment server 600 to the account provided for the specific card activation fund management of the financial institution, the balance of the account It is characterized by checking whether the confirmed balance satisfies the (funded) activation fund provided for the specific card activation.

For example, if the activation fund provided (or donated) for the specific card activation is 100 million won, the fund management server 665 periodically checks whether the amount of funds collected due to the use of the specific card satisfies the 100 million won. Characterized in that.

If the cumulative fund recovery amount satisfies the activation fund (740b), the fund management server 665 transmits the activation fund satisfaction details of the accumulated fund recovery amount to the employee terminal (745b).

8 is a view showing the configuration of a specific card activation fund management system according to another embodiment of the present invention.

In more detail, FIG. 8 illustrates an activation fund operation system for processing the specific card activation fund operation and collection when payment is processed through a predetermined offline payment channel using a card issued through a predetermined card issuing system. Those skilled in the art to which the present invention pertains, various implementation of the specific card activation fund operation system for the recovery and operation of the amount provided to the specific card activation fund by referring to or modifying this figure 8 The method may be inferred, but the present invention includes all the inferred implementation methods, and the technical features are not limited to the implementation method shown in FIG.

Referring to FIG. 8, the specific card activation fund operation system includes a payment terminal provided at a predetermined offline affiliated store and a payment approval process for the card, and a payment server 800 and the payment terminal operating a specific card activation fund. And a communication network (eg, a Value Added Network (VAN)) connecting the payment server 800 with each other.

In FIG. 8, the payment server 800 on the specific card activation fund operation system is illustrated as one server. However, this is only an exemplary method for effectively describing the technical features of the present invention. Various functional components constituting may be implemented through at least two or more separate servers (or devices), whereby the present invention is not limited.

The payment terminal is characterized in that it comprises at least one CAT (Credit Authorization Terminal), or POS (Point Of Sales) terminal with a payment function, a predetermined card from the card through at least one card reader After reading the information, inputting a payment amount through a predetermined key input device, and generating a full payment approval request message including the card information, the payment amount, and the affiliated store information, the communication network (eg, a value-added communication network (VAN)). It is characterized in that for transmitting to the payment server 800 through.

In addition, the payment server 800, characterized in that it comprises at least one server provided in the financial company (for example, card company or bank) to process the payment approval for the card, from the payment terminal After receiving the payment approval request message including the card information, the payment amount and the merchant information, characterized in that the payment authorization processing of the payment amount contained in the payment approval request message through the card.

In addition, the communication network connecting the payment terminal and the payment server 800, the Bansa server for relaying at least one or more payment-related full text between the payment terminal and the payment server 800 based on at least one backbone network (not shown) And at least one wired and wireless communication network.

Those skilled in the art to which the present invention pertains, the technical features of the payment terminal and the technical features of the conventional payment server 800 and the technical features of the communication network connecting the payment terminal and the payment server 800 Since it will be familiar with, detailed description thereof will be omitted for convenience.

According to the implementation method of the present invention, the payment server 800, the customer information issuing the card through a predetermined card issuing system, the card information and the card attribute information corresponding to the card issued to the customer and A predetermined card information D / B 855 for interworking and storing card limit information corresponding to the card, or interworking with a predetermined DBMS for operating the card information D / B 855, or It is preferable to interwork with a DB server (not shown) provided with the card information D / B 855.

The customer information includes personal information (eg, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.) of the customer who issued the card through a predetermined card issuing system, and a member of the customer. It is preferable to include at least one information (for example, member ID information).

Preferably, the card information includes a predetermined card number corresponding to a card issued to the customer through a predetermined card issuing system, and the card issuing organization information (eg, card issuing organization number (or code)) and Card type information (e.g., card identification number (or code)) and expiration date information (some may be omitted) for the card are preferably further included.

According to the method of the present invention, the card information is preferably matched with the predetermined payment means information corresponding to the card, the payment means credit card payment means, check card payment means, debit card payment means, prepaid card It is preferable to include at least one or more of the payment means.

The card attribute information may include a payment attribute (eg, postpaid, debit, prepaid, etc.) for a card issued to the customer through a predetermined card issuing system, and a royalty attribute including a mileage accumulation policy for the card. And at least one or more additional service attributes associated with the card.

The card limit information preferably includes information for confirming a limit amount for payment approval for a payment amount using the card according to a payment means characteristic corresponding to the card or a payment attribute of the card.

According to an embodiment of the present invention, when the payment means corresponding to the card includes a credit card payment means (or postpaid payment attribute), the card limit information includes predetermined credit limit amount information for the card. It is preferable to make it.

According to another embodiment of the present invention, if the payment means corresponding to the card comprises a check card / debit card payment means (or a debit payment attribute associated with the account) associated with a predetermined account, the card limit The information preferably includes predetermined account information (or account balance information) associated with the card.

According to another embodiment of the present invention, when the payment means corresponding to the card comprises a prepaid card payment means (or prepaid payment attribute), the card limit information is a predetermined charge pre-charged in the card It is preferable to include the amount information.

Referring to FIG. 8, the payment server 800 connects and manages at least one payment terminal and a communication channel for transmitting / receiving specialized payments through a communication network including at least one value-added communication network (VAN) or a financial common network. A professional receiving unit 810 for receiving a payment approval request message including at least one of card information, payment amount, and merchant information from the payment terminal in association with the interface unit 805 and the interface unit 805; It is characterized in that it comprises a specialized transmission unit 815 for transmitting a payment approval result full text corresponding to the payment approval request full text to the payment terminal in conjunction with the interface unit 805.

The payment terminal 810 reads the card information through a predetermined card reader, generates a payment approval request message including the card information, the payment amount, and the affiliated store information, and transmits it through the communication network. In connection with the interface unit 805 is characterized in that for receiving the full payment approval request.

If the payment server 800 completes a payment approval procedure corresponding to the full payment approval request message and generates a payment approval result message including a predetermined payment processing history, the full text message transmission unit 815 may include the interface unit ( In operation 805, the payment approval result information may be transmitted to the payment terminal.

Those skilled in the art to which the present invention pertains will be familiar with technical features for transmitting and receiving the payment approval request text and the payment approval result text through the value-added communication network or the financial common network. Is omitted for convenience.

Referring to FIG. 8, when the payment server 800 receives the full payment approval request message including the card information, the payment amount, and the affiliated store information from the payment terminal, the received payment approval request message is received from the payment terminal. The card information checking unit 820 for checking whether the card information included in the card information is matched with the card information issued through the card issuing system, and the card information included in the full payment approval request is the card information D / B (855). When the card information is matched with the card information, the card payment information is compared with the card limit information associated with the card information in connection with the card information D / B 855 to process the payment approval of the payment amount through the card. The payment approval processing unit 825, and the payment processing result including any one of the predetermined payment error information and payment approval information corresponding to the payment approval processing; The information generation unit 830 for generating definition payment processing history information, and the predetermined transaction history information formed by classifying the payment processing history including the predetermined payment approval information among the payment processing results by date and time, the predetermined transaction history D / And an information storage unit 835 stored in B 860, and the generated payment processing history information is transmitted to the payment terminal through the specialized transmission unit 815.

According to the present invention, the payment server 800, the card information included in the full payment approval request received from the payment terminal is stored in the storage medium 225 through the information registration system shown in FIG. The specific card identification unit 840 confirms whether the coincides with the specific card information included in the specific card activation fund management information and the fund recovery rate information per payment included in the specific card activation fund management information stored in the storage medium 225. By reference, the information calculation unit 845 for calculating the fund recovery amount corresponding to the settlement approval processing amount, and the information processing unit 850 for depositing the calculated fund recovery amount to the financial institution, It is characterized by.

According to the exemplary embodiment of the present invention, when the payment approval request message including the card information, the payment amount, and the affiliated store information is received from the payment terminal through the information receiving unit, the card information verification unit 820 is provided from the payment terminal. And checking whether the card information included in the received payment approval request message is matched with the card information issued through the card issuing system.

According to the method of the present invention, the card information checking unit 820 uses the card information included in the full payment approval request as a keyword to search / search for card information stored in the card information D / B 855. Preferably, the card information included in the full payment approval request is the card information issued through the card issuing system.

When the card information included in the payment approval request text is matched with the card information included in the card information D / B 855, the payment approval processing unit 825 determines the card information from the card information D / B 855. And confirming card limit information on the card stored in association with card information, and comparing the confirmed card limit information with the payment amount to approve the payment amount through the card.

According to an exemplary embodiment of the present invention, when the payment means corresponding to the confirmed card information includes a credit card payment means (or postpaid payment attribute), the payment approval processing unit 825 performs the card information D / B. The predetermined credit limit amount information stored in connection with the card information is confirmed from 855, and the settlement approval for the payment amount is processed through the card by comparing the confirmed credit limit amount information with the payment amount. Characterized in that.

According to another embodiment of the present invention, if the payment means corresponding to the confirmed card information comprises a check card / debit card payment means (or debit payment attribute associated with the account) associated with a predetermined account, The payment approval processing unit 825 confirms predetermined account information stored in association with the card information from the card information D / B 855, and connects the account balance with a predetermined financial system in which the account is opened. After confirming, by comparing the confirmed account balance with the payment amount, the payment approval for the payment amount is processed through the card.

If the account balance information stored in association with the card information is directly stored in the card information D / B 855, the payment approval processing unit 825 is configured to store the card information from the card information D / B 855. After confirming the account balance stored and stored in a linked process, it is possible to process payment approval for the payment amount through the card by comparing the confirmed account balance with the payment amount.

According to another embodiment of the present invention, when the payment means corresponding to the confirmed card information comprises a prepaid card payment means (or prepaid payment attribute), the payment approval processing unit 825 is the card information D Process payment approval for the payment amount through the card by confirming predetermined charge amount information stored in association with the card information from / B 855, and comparing the confirmed charge amount information with the payment amount Characterized in that.

The payment approval processing unit 825 processes any payment error information (eg payment error code) or payment approval information (eg payment approval number) in the process of processing payment approval for the payment amount through the card. Characterized by generating a payment processing result including one.

When the payment approval processing unit 825 generates a payment processing result including any one of the payment error information (eg, payment error code) or payment approval information (eg, payment approval number), the information generation unit ( 830 generates predetermined payment processing details information including the card information, payment amount information, merchant information and payment processing result, and the specialized transmission unit 815 is associated with the interface unit 805. It is characterized in that for transmitting the predetermined payment approval result including the payment processing history information to the payment terminal through the communication network.

When predetermined payment processing history information including the payment approval information (eg, payment approval number) is generated by the payment approval processing unit 825, the information storage unit 835 may generate the payment processing history information (eg, the A predetermined transaction processing history including card information, payment amount information, merchant information, and payment approval information), and generates predetermined transaction history information further including the payment date and time information to the predetermined transaction history D / B 860. It is characterized by storing.

If the specific card confirmation unit 840 successfully performs the payment approval process for the payment approval request message received through the information receiving unit, the card information included in the payment approval request message is shown in FIG. 2 or 4. It is characterized by checking whether the specific card information included in the specific card activation fund management information stored in the storage medium 225 through the registered information registration system, and provides the verification result to the information calculating unit 845.

The checking of the matching of the card information may include checking whether at least one or more of a card name, a card number, and a card issuing (or affiliated) institution information match.

The information calculating unit 845 matches the specific card information included in the specific card activation fund management information stored in the storage medium 890 with the payment card information processed through the specific card checking unit 840. The amount of the fund recovery corresponding to the settlement approved payment amount is calculated by referring to the fund recovery rate information included in the specific card activation fund management information stored in the storage medium 890. The calculated fund collection amount information is provided to the information processing unit 850.

For example, if the information on the rate of payment of funds per payment included in the specific card activation fund management information stored in the storage medium 890 is 0.2%, and the payment approved amount is 50,000 won, the information calculating unit 845 may be configured as described above. Fund recovery amount can be calculated using the fund recovery rate and settlement approval amount (0.2% (payment rate per settlement) X 50,000 won (payment approval amount) = 100 won)

The information processing unit 850 calculates a fund recovery amount for the card settlement through the information calculation unit 845, and uses the calculated fund recovery amount as the financial institution (eg, a financial institution that provides a specific card activation fund). It is characterized in that the deposit processing.

Here, the information processing unit 850 preferably deposits the fund collection amount into an account provided for the specific card activation fund operation of the financial institution.

Referring to FIG. 8, the payment server 800 accumulates the calculated fund recovery amount information and stores the information in the storage medium 890, and the fund recovery accumulated in the storage medium 890. A cumulative amount checking unit 875 for confirming that the amount of the accumulated fund recovery amount satisfies the activation fund provided (provided) for the specific card activation; When the (sponsored) activation fund provided for card activation is satisfied, the information provision unit 880 is provided to provide the accumulation fund information to the administrator (financial institution employee) terminal through wired or wireless communication means. It is done.

The information storage unit 835 accumulates the calculated fund recovery amount information and stores the accumulated fund recovery amount information in the storage medium 890. The accumulated amount of fund recovery amount stored in the storage medium 890 is determined by the accumulated amount confirmation unit ( 875).

The accumulated amount confirmation unit 875 periodically checks accumulated fund recovery amount information stored in the storage medium 890, so that the identified accumulated fund recovery amount is provided for the specific card activation (donated) activation fund. It is characterized by checking whether it satisfies.

For example, if the activation fund provided (or donated) for the specific card activation is 100 million won, the cumulative amount checking unit 875 periodically checks whether the amount of funds collected due to the use of the specific card satisfies the 100 million won. It is characterized by checking.

The information providing unit 880 may accumulate the activation fund accumulation amount information when the accumulation fund recovery amount confirmed through the accumulation amount confirmation unit 875 satisfies the activation fund provided for the specific card activation. It is characterized in that it provides to the administrator (financial institution employee) terminal that registered the specific card activation fund management information on the information registration system shown in Figure 2 or Figure 4 via wired and wireless communication means.

9A and 9B illustrate a process of operating a specific card activation fund according to an embodiment of the present invention.

In more detail, Figures 9a and 9b refer to a process of processing the operation and collection of the specific card activation fund when the payment processing through a predetermined offline payment channel using a card issued through a predetermined card issuing system, Those skilled in the art to which the present invention pertains may refer to or modify the drawings 9a and 9b to infer various implementation methods for the recovery and operation of the amount provided to the specific card activation fund. Although there will be, the present invention includes all the inferred implementation methods, and the technical features are not limited only to the implementation methods shown in FIGS. 9A and 9B.

9A and 9B, the payment terminal on the offline card payment system shown in FIG. 8 generates a full payment approval request message including the card information, the payment amount, and the merchant information, and transmits it to the payment server 800. The lower surface 900a, the payment server 800 receives the full text of the payment approval request, and the card information included in the received full text of the payment approval request is issued through the card issuing system so that the card information D / B ( In operation 855, it is checked whether the card information matches the card information.

According to an embodiment of the present invention, the affiliate server uses the card information included in the full payment approval request as a keyword to search / search for card information stored in the card information D / B 855, thereby providing the card information. It is preferable to check whether the card information issued through the card issuing system.

Those skilled in the art to which the present invention pertains, because they will be familiar with the technical features and professional transmission and reception procedures of the payment terminal for transmitting the full payment approval request, a detailed description thereof will be omitted for convenience.

If the card information included in the full payment approval request is not matched with the card information stored in the card information D / B 855 (910a), the payment server 800 includes the card information error code. The payment approval result is generated and transmitted to the payment terminal (915a).

On the other hand, if it is confirmed that the card information included in the full payment approval request is matched with the card information stored in the card information D / B 855 (910a), the payment server 800 is the card information D / The limit amount for the card is checked based on the card limit information associated with the card information from B 855 (920a).

According to an embodiment of the present invention, when the payment means corresponding to the confirmed card information comprises a credit card payment means (or postpaid payment attribute), the card company server from the card information D / B (855) It is preferable to process payment approval for the payment amount through the card by confirming predetermined credit limit amount information stored in association with the card information and comparing the confirmed credit limit amount information with the payment amount. .

According to another embodiment of the present invention, when the payment means corresponding to the confirmed card information comprises a check card / debit card payment means (or a debit payment attribute associated with the account) associated with a predetermined account, The card company server confirms predetermined account information stored in association with the card information from the card information D / B 855, and checks the account balance in connection with a predetermined financial system in which the account is opened. It is preferable to process payment approval for the payment amount through the card by comparing the confirmed account balance with the payment amount.

Alternatively, when the account balance information stored in association with the card information is directly stored in the card information D / B 855, the card company server is associated with the card information from the card information D / B 855. After confirming the stored account balance, it is possible to process payment approval for the payment amount through the card by comparing the confirmed account balance with the payment amount.

According to another embodiment of the present invention, when the payment means corresponding to the confirmed card information comprises a prepaid card payment means (or prepaid payment attribute), the card company server is the card information D / B (855) It is preferable to process payment approval for the payment amount through the card by confirming predetermined charge amount information stored in association with the card information and comparing the confirmed amount amount with the payment amount. .

If the limit amount for the card is confirmed (925a), the payment server 800 compares the payment amount with the limit amount, and performs a payment approval procedure for processing the payment amount using the card. (930a).

If, as a result of the payment approval, payment approval for the payment amount is not confirmed (935a), the payment server 800 receives payment processing history information including payment error information (eg, payment error code) for the card. Generate (940a), and generate a full payment approval result including the payment processing history and transmits to the payment terminal (955a).

On the other hand, if the payment approval is confirmed, the payment approval for the payment amount (935a), the payment server 800 includes the card information, payment amount information, merchant information and payment approval information (eg, payment approval number) Generating payment processing history information (945a), the transaction processing information including the card information, payment amount information, merchant information and payment approval information, and transaction history information including the payment date and time information; After storing in / B (860) (950a), a full text of the payment approval result including the payment processing history is generated and transmitted to the payment terminal (955a).

According to FIG. 9B, the payment server 800 is linked with the storage medium 225 to compare the payment approval card information with specific card information included in the specific card activation fund management information to determine whether they match (see FIG. 9B). 900b).

If the payment approval card information matches the specific card information included in the specific card activation fund management information (905b), the payment server 800 is stored in the specific card activation fund management information stored in the storage medium 225. Check the fund recovery rate information per settlement (910b).

In addition, the payment server 800 checks the payment approved amount (step 915b), and calculates a fund recovery amount by using the confirmed payment approval processing amount and fund recovery rate information per payment (920b).

For example, if the fund recovery rate information per payment included in the specific card activation fund management information stored in the storage medium 890 is 0.2%, and the payment approved amount is 50,000 won, the payment server 800 determines the payment. Fund recovery amount can be calculated using the fund recovery rate and settlement approval amount per case (0.2% (fundament rate per settlement) X 50,000 won (payment approval amount) = 100 won)

When the fund recovery amount is calculated, the settlement server 800 stores the calculated fund recovery amount information in the storage medium 890 (925b).

In addition, the payment server 800 checks whether the cumulative fund recovery amount stored in the storage medium 890 satisfies a specific card activation fund (930b).

For example, if the activation fund provided (or donated) for the specific card activation is 100 million won, the payment server 800 periodically checks whether the amount of funds collected due to the use of the specific card satisfies the 100 million won. It is characterized by.

If the cumulative fund recovery amount satisfies the activation fund (935b), the settlement server 800 transmits an activation fund satisfaction detail of the accumulated fund recovery amount to an employee terminal (940b).

According to the present invention, there is an advantage that can greatly improve the recognition of the party through the fund support for the specific card activation.

In addition, there is an advantage that the activation fund can be recovered through the fee income from the use of the card associated with the activation fund.

Claims (4)

In the method of operating the card associated with the fund provided by the financial institution as an affiliate in the payment server, Storing the card information associated with the fund and the fund recovery rate as a basis for calculating a fund recovery amount according to the payment through the card, and storing the card recovery rate in a storage medium; When the payment is approved for the card, comparing the approved card information with the card information stored in the storage medium to determine whether the payment approved card is a card associated with the fund; If the card is a card associated with a fund, checking the approved amount of money and calculating a fund collection amount by applying the fund collection rate to the amount; And withdrawing the calculated amount of funds collected from the account of the affiliated company and depositing the funds into the account of the financial institution. delete A computer-readable recording medium having recorded thereon a program for executing the method of claim 1. In the system that operates the card associated with the funds provided by the financial institution as an affiliate to the payment server, An information storage unit for linking the card information associated with the fund with the fund recovery rate as a basis for calculating a fund recovery amount based on the payment through the card, and storing the fund recovery rate in a storage medium; A card verification unit for confirming whether the payment approved card is a card associated with the fund by comparing the approved card information with card information stored in the storage medium when the payment is approved for the card; If the card is a card associated with the fund, the information calculating unit for confirming the approved amount of payment, and calculates the amount of fund recovery by applying the fund recovery rate to the amount And an information processing unit for withdrawing the calculated amount of funds collected from the account of the affiliated company and depositing the funds into the account of the financial institution.

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