KR101045813B1 - Charging / using card operating method and system using wireless terminal - Google Patents

Abstract

The present invention relates to a method and system for operating a charge / use card using a wireless terminal. The method for operating a charge / use card using a wireless terminal according to the present invention is a card brand company that can perform card transactions in domestic and overseas credit card merchants. Charge / use using a wireless terminal of a card issuer server that issues a charge / use card composed of a use card to which a Bank Identification Number is assigned and a charge card charged with a charge amount to be set as a transaction approval limit of the use card. In the card operating method, the step of connecting the charge card information and the use card information of the issued charge / use card to the storage medium, and if the charge amount is charged through the charge card, the stored charge card information is charged Connect and store the amount of money information, and the wireless card information of the customer who received the charge / use card is the use card information Connecting to register the customer's wireless terminal as a second use card of the charge / use card that shares the charge amount with the transaction approval limit, and receives the full authorization request message including the wireless terminal information and the transaction amount. And checking a charge amount of a charge / use card including the wireless terminal information of the approval request message as a second use card from the storage medium, and the charge amount included in the approval request message. Using the transaction approval limit of the transaction amount to process the transaction approval.

Wireless terminal, charging, use

Description

System and Method for Management of Charging / Using Card by Using Mobile Devices}

1 is a diagram illustrating a configuration of a service provider affiliated charge / use card operating system according to an exemplary embodiment of the present invention.

2 is a view showing a charging / using card manufacturing system according to an embodiment of the present invention.

3 is a view showing a charging / using card manufacturing process according to the embodiment of the present invention.

4 is a diagram illustrating a charging / using card charging system configuration according to an exemplary embodiment of the present invention.

5 is a diagram illustrating a charging request process of a charge / use card according to an embodiment of the present invention.

6 is a diagram illustrating a charging process of a charge / use card according to an embodiment of the present invention.

7 is a diagram showing the configuration of the charge / use card charging system according to another embodiment of the present invention.

8A and 8B illustrate a charging process of a charge / use card according to another exemplary embodiment of the present invention.

9 is a diagram illustrating a configuration of a charge / use card transaction system according to an exemplary embodiment of the present invention.

10 is a diagram illustrating a transaction request process between a customer wireless terminal and a communication company server according to an exemplary embodiment of the present invention.

11 is a diagram illustrating a transaction process of using a customer wireless terminal as a use card of a charge / use card according to an embodiment of the present invention.

12 is a diagram illustrating a voucher purchase process for a transaction using a customer wireless terminal as a use card of a charge / use card according to an exemplary embodiment of the present invention.

13 is a diagram illustrating a configuration of a charge / use card transaction system according to another exemplary embodiment of the present invention.

14 is a diagram illustrating a transaction request process between a customer wireless terminal, a communication company server, and a bansa server according to another exemplary embodiment of the present invention.

15 is a diagram illustrating a transaction process of using a customer wireless terminal as a use card of a charge / use card according to another exemplary embodiment of the present invention.

FIG. 16 is a diagram illustrating a purchase process for a transaction using a customer wireless terminal as a use card of a charge / use card according to another exemplary embodiment of the present invention.

17 is a diagram illustrating a configuration of a charge / use card transaction system according to another exemplary embodiment of the present invention.

18 is a diagram illustrating a process of generating a complete approval request message for using a customer wireless terminal as a use card of a charge / use card according to an embodiment of the present invention.

19 is a diagram illustrating a process of generating a complete approval request text for using a customer wireless terminal as a use card of a charge / use card according to another exemplary embodiment of the present invention.

20 is a diagram illustrating a process of generating a complete approval request message for using a customer wireless terminal as a use card of a charge / use card according to another embodiment of the present invention.

21 is a diagram illustrating a transaction process of using a customer wireless terminal as a use card of a charge / use card according to another exemplary embodiment of the present invention.

FIG. 22 is a diagram illustrating a purchase process for a transaction using a customer wireless terminal as a use card of a charge / use card according to another exemplary embodiment of the present invention.

<Description of main parts of drawing>

100: card production server 105: charging / using card charging server

110: card issuer server 115: charging affiliate server

120: bansa server 125: carrier server

130: Merchant Terminal 135: Customer Munsun Terminal

140: client terminal 145: charging terminal

The present invention is a card issuer issuing a charge / use card issued in connection with a charge card for charging payment / financial transaction authorization and the charge amount for payment / financial transaction approval for the use card, the charge / A method of operating a use card, the use card information corresponding to the use card of the charge / use card and the charge card information corresponding to the charge card of the charge / use card are stored in a storage medium in association with the charge card. Deactivating the charging function and the use function of the use card, activating the charging function of the charge card and the use function of the use card when charging a charge amount through the charge card, and purchasing the charge / use card. Registering the wireless terminal information of one (or paid) customer as the second use card of the charge / use card in association with the use card information. And receiving an authorization request message including the customer wireless terminal information and transaction value information, and linked to the customer wireless terminal information corresponding to the second use card of the charge / use card in association with the storage medium. Checking the charge card information of the charge / use card and the charge amount information charged through the charge card; and processing a transaction approval for the transaction amount included in the approval request text through the charge amount information; The present invention provides a method for operating a charge / use card using a wireless terminal.

Due to the continuous development of information and communication technology, the card payment system used for payment after recording payment method information on the card media has been generalized. Cards are issued in partnership with other countries.

In the card payment system, if the domestic card payment approval process (except for the professional conversion process), the merchant terminal reads the card information from the card presented by the customer, and completes the authorization request message including the card information and the transaction amount information. When generated and sent to the bansa server, the bansa server reads the BIN (Bank Identification Number) of the card information included in the authorization request full text to check the card company server, and relays the authorization request full text to the confirmed card company server In addition, the card company server is made through a series of processes for approving the card payment through the limit approval through the card information included in the full approval request, after the card payment approval, the card company (or a card purchaser affiliated with the card company) ) Is a series of processes for purchasing a document corresponding to the card payment and paying it according to the domestic card settlement procedure Through processes card payments.

In addition, in the card payment system, if the foreign card payment approval process (except for a professional conversion process), the merchant terminal reads the card information from the card presented by the customer, the authorization request including the card information and transaction amount information When the full text is generated and transmitted to the bansa server, the bansa server reads the BIN of the card information included in the approval request full text to confirm that the card information is not a card issued by a domestic card company, and the approval request full text is sent overseas. When relaying to the card slip purchase company server, the overseas card slip purchase company server relays the full authorization request to a card brand company server, and in response, the card brand company server checks the foreign card issuer corresponding to the card information. When relaying the full text of the authorization request to the foreign card issuer, the foreign card issuer server receives the award. It is made through a series of processes to approve the card payment through the limit approval through the card information included in the full approval request.After the card payment approval, the foreign card slip purchaser purchases a document corresponding to the card payment Card payment is processed through a series of payments according to overseas card settlement procedures.

By the way, in the case of the credit card for the payment card, minors, limited allowances, monetary insolvency, credit defectors and foreign residents living in the country contains a difficult problem to be issued, the check card is also difficult to open the account is issued a very difficult process It contains a complex problem.

Of course, the minor, the limited number, the inhabitants, the creditors and foreigners residing in Korea can receive a prepaid card, but in the case of the prepaid card, the prepaid card can process payment through a conventional merchant terminal. This is not assigned, the payment using the prepaid card includes a problem that can be processed only through a dedicated card terminal that can recognize the prepaid card.

An object of the present invention for solving the above problems is a charge / use card made in connection with a charge card for charging payment / financial transaction and the charge amount for payment / financial transaction approval for the use card In a system for operating the charge / use card issued by an issuing card issuer, a blank use card information corresponding to a use card of the charge / use card and a charge card information corresponding to the charge card of the charge / use card are linked. Information storage means for deactivating the charging function of the charge card and the use function of the use card, and the charging function of the charge card and the use function of the use card when charging the charge amount through the charge card. Recalling the charging / use card charging means for activating and the customer's wireless terminal information of the customer who purchased (or paid) the charge / use card Specialized receiving means for recording the use card information recorded in the rank using card information to register the customer wireless terminal as the use card of the charge / use card, and the authorization request message including the customer wireless terminal information and transaction value information And checking the charging card information of the charge / use card and the charge amount information charged through the charge card in association with the customer wireless terminal information corresponding to the use card of the charge / use card in association with the storage medium. According to an aspect of the present invention, there is provided a charging / use card operating system using a wireless terminal having a transaction approval processing means for processing a transaction approval for a transaction amount included in the approval request text through the charge amount information.

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

The method for operating a charge / use card using a wireless terminal according to the present invention includes a use card assigned with a BIN (Bank Identification Number) of a card brand company that can perform card transactions at domestic and overseas credit card merchants, and the transaction approval limit of the use card. In a method of operating a charge / use card using a wireless terminal of a card issuer server that issues a charge / use card including a charge card that is charged with a charge amount to be set, the charge card information and use of the issued charge / use card Connecting the card information to the storage medium, and when the charge amount is charged through the charge card, the charge amount information is connected to the stored charge card information and stored, and the wireless card of the customer who has issued the charge / use card By connecting the terminal information with the use card information and sharing the charge amount with the transaction approval limit of the wireless terminal of the customer. Registering as a second use card of a charge / use card, receiving an authorization request message including the wireless terminal information and a transaction amount, and removing the wireless terminal information of the authorization request message from the storage medium. And checking the recharge amount of the recharge / use card included in the use card of 2, and processing the transaction approval by using the recharge amount as the transaction approval limit of the transaction amount included in the full approval request.
The method for operating a charge / use card using a wireless terminal according to the present invention includes a use card assigned with a BIN (Bank Identification Number) of a card brand company that can perform card transactions at domestic and overseas credit card merchants, and the transaction approval limit of the use card. In the method of operating a charge / use card using a wireless terminal of a card issuer server that issues a charge / use card including a charge card that is charged with a charge amount to be set, the charge card information of a charge / use card issued without a use card Connecting the blank use card information to a storage medium; and when the charge amount is charged through the charge card, the charge amount information is connected to the stored charge card information and stored, and the charge is applied to the blank use card information. Record the wireless terminal information of the customer who has been issued a use card to record the wireless terminal of the customer. Registering with a use card, Receiving an authorization request message including the wireless terminal information and the transaction amount, Charge / Use card including the wireless terminal information of the authorization request message from the storage medium as a use card And confirming the recharge amount of the transaction, and processing the transaction approval by using the recharge amount as the transaction approval limit of the transaction amount included in the full approval request. The blank use card information includes the wireless terminal information. And a card information structure including a blank set as a use card of the charge / use card.
According to the present invention, the method of operating a charge / use card using the wireless terminal, if the transaction is approved, subtracting the approved amount by using the wireless terminal as a use card from the charge amount charged through the charging card. It may further include.
According to the present invention, a method of operating a charge / use card using the wireless terminal comprises: generating slip purchase information on an approved amount using the wireless terminal as a use card, and using the slip purchase information. Using the charge / use card as a use card may further include the process of purchasing the slip for the approved amount.
According to the present invention, the charge / use card is a charge / use removable card consisting of a use card corresponding to the customer wireless terminal and the charge card in a separate terminal medium and a card medium, or use card corresponding to the customer wireless terminal. And a charge / use integrated card in which the charge card is stored in a memory provided in one terminal medium, or a second use card corresponding to the use card and the customer wireless terminal and the charge card are separate terminal media and cards. It may include any one of a charge / use removable card made of a medium.
Recharge / use card operating system using a wireless terminal according to the present invention, a card brand of BIN (Bank Identification Number) of the card brand company that can perform card transactions in domestic and overseas credit card merchants, and the transaction approval limit of the use card In a charge / use card operating system using a wireless terminal of a card issuer server that issues a charge / use card including a charge card that is charged with a charge amount to be set, the charge card information and use of the issued charge / use card are used. Information storage means for connecting the card information to the storage medium, and when the charge amount is charged through the charge card, the charge amount information is connected to the stored charge card information and stored, the customer who issued the charge / use card A wireless car information linking the wireless terminal information with the use card information to register as a second use card of the charge / use card Charging / use comprising registration means, specialized receiving means for receiving the approval request text including the wireless terminal information and the transaction amount, and the wireless terminal information of the approval request text from the storage medium as a second use card. Information confirmation means for confirming the recharge amount of the card, and transaction approval processing means for processing the transaction approval by using the recharge amount as the transaction approval limit of the transaction amount included in the preamble request.
Recharge / use card operating system using a wireless terminal according to the present invention, a card brand of BIN (Bank Identification Number) of the card brand company that can perform card transactions in domestic and overseas credit card merchants, and the transaction approval limit of the use card In a system for operating a charge / use card using a wireless terminal of a card issuer server that issues a charge / use card including a charge card that is charged with a charge amount to be set, the charge card of a charge / use card issued without the use card Information storage means for connecting the information and the blank use card information to store in the storage medium, and when the charge amount is charged through the charge card, the charge amount information is connected to the stored charge card information and stored, and the blank use card information Record the wireless terminal information of the customer who issued the charge / use card to the wireless terminal to charge / use the wireless terminal information. Card registration means for registering with the use card of the card, professional receiving means for receiving the approval request message including the wireless terminal information and the transaction amount, and the wireless terminal information of the approval request message from the storage medium. Information confirmation means for confirming the charge amount of the charge / use card included in the transaction, and transaction approval processing means for processing the transaction approval by using the charge amount as the transaction approval limit of the transaction amount included in the full approval request; The blank use card information includes a card information structure including a blank for setting the wireless terminal information as a use card of the charge / use card through the BIN.
According to the present invention, when the transaction is approved, the transaction approval processing means may subtract the approved amount by using the wireless terminal as a use card from the charged amount charged through the charging card.
According to the present invention, the system for operating a charge / use card using the wireless terminal comprises: slip purchase information generation means for generating slip purchase information on an approved amount using the wireless terminal as a use card, and the slip purchase information. It may further include a slip purchase processing means for purchasing the slip for the approved amount by using the wireless terminal as a use card.
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 the following description of the present invention, a detailed description of known functions and configurations incorporated herein will be omitted when it may make the subject matter of the present invention rather unclear. In addition, terms to be described below are terms defined in consideration of functions in the present invention, which may vary according to a user's or operator's intention or custom. 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 omitted as described above The relationship between the components 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. In other words, each means constituting the present invention is a server (or terminal) provided on the system shown in the following embodiments, or a predetermined functional configuration provided in at least one or more servers (or terminals), or at least It may be an association of at least two or more functional components provided in one or more servers (or terminals). 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 a carrier associated charge / use card operating system according to an embodiment of the present invention.

In more detail, Figure 1 is a charge / payment made by linking a predetermined payment card / credit card used for payment and the charge card for the payment / financial transaction approval charges for the use card through a separate card medium Either a detachable use card or a charge / use integrated card including a use card for payment / financial transaction and a charge card for charging a payment amount for payment / finance transaction approval for the use card on a single card medium. Produce a charge / use card comprising a sale (or payment) to the customer, but the customer wireless terminal 135 used by the customer who purchased (or received) the charge / use card using the charge / use card of the card By registering as, when the customer charges a predetermined amount of charge through the charge / use card, the charge via the charge card via the customer wireless terminal 135 The present invention relates to a system configuration for providing payment / financial transactions through a full amount, and those of ordinary skill in the art to which the present invention pertains may refer to and / or modify the present invention to charge / use the affiliate service provider. While various implementation methods (e.g., some components may be omitted, subdivided, or combined) of the card operating system configuration may be inferred, the present invention includes all implementation methods inferred from the above. The technical features are not limited only to the implementation method shown in FIG.

Referring to Figure 1, the carrier-affiliated charge / use card operating system is provided in the card issuer operating the charge / use card, the card production server 100 for producing the charge / use card and the charge Charge / use card charging server 105, which processes a customer who purchased (or received) a purchase card to charge a predetermined amount of charge through the charge card of the charge / use card, and use of the charge / use card The telecommunication company server provided in the wireless communication network to which the customer wireless terminal 135 registered as a card and the customer wireless terminal 135 is connected to use the customer wireless terminal 135 as a use card of the charge / use card. Through 125 and the charge amount charged through the charge card of the charge / use card through the payment / financial transactions requested through the customer wireless terminal 135 registered as a use card of the charge / use card Including the card issuer server 110, which is characterized in that formed.

According to an embodiment of the present invention, the charging / using card charging server 105 on the charging / using card operating system charges the predetermined charge amount through the charging card of the charging / using card in the customer wireless terminal. It is preferable to further comprise a function of registering the 135 as the use card of the charge / use card, the function of registering the customer wireless terminal 135 as the use card of the charge / use card according to the intention of the skilled person Is provided through a separate server (not shown) or device (not shown) provided in the card issuer, or can be provided through the card issuer server 110, the present invention can be inferred It is obvious that all implementation methods are included.

According to another embodiment of the present invention, the charge / use card charging server 105 may be implemented in the form of a charging affiliate server 115 provided in a separate charging affiliate affiliated with the card issuer, in which case the charging Affiliate server 115 is characterized in that the card issuer server 110 and the charge amount is synchronized.

Here, the card production server 100 provided to the card issuer (or affiliated), the charge for charging the payment / financial transaction use card and the payment amount for the payment / financial transaction approval for the use card charge A single charge / use detachable card made by linking a card through a separate card medium, or a use card for payment / financial transaction, and a charge card for charging a payment amount for payment / finance transaction approval for the use card A generic term for a device (or server) that manufactures a charge / use card including any one of the charge / use integrated cards included in a card medium, provided to the card issuer, or to a card maker affiliated with the card issuer. Characterized in that it is provided.

According to one embodiment of the present invention, the card making server 100, the charge / use card to be produced, preferably comprises a charge card, in this case, the charge charged through the charge card of the charge / use card The use card of the charge / use card using the amount uses the customer wireless terminal 135 possessed (or owned) by the customer who purchased (or received) the charge / use card as the use card of the charge / use card. Preferably, the process of registering the customer wireless terminal 135 as a use card of the charge / use card may include: charging a predetermined charge amount through the charge card, or by using the charge card. It is preferable that the information is provided through an information registration process that is performed before / after charging the charge amount.

If the charge / use card is a charge / use integrated card, the charge card of the charge / use card may also be set to the customer wireless terminal 135, and the charge / use card included in the charge / use card may be used. The charge card of the use card preferably comprises a disposable charge card for the initial charge of the charge / use card (or register the customer wireless terminal 135 as the use card of the charge / use card).

According to another embodiment of the present invention, the card manufacturing server 100, the charge / use card to be produced, preferably comprises at least one use card and a charge card, in this case, the charge / use card The first use card of the charge / use card using the charge amount charged through the charge card includes the use card, but the second use card of the charge / use card using the amount charged through the charge card is It is preferable to register to use a customer wireless terminal 135 possessed (or owned) by a customer who has purchased (or paid) a charge / use card, and the customer wireless terminal 135 is configured to use the charge / use card. 2 The process of registering as a use card may include: charging a predetermined amount of money through the charging card, or information performed before / after charging a predetermined amount of money through the charging card. Is provided through the lock process is preferred.

The charge / use card charging server 105 provided at the card issuer is charged / used through the charging terminal 145 provided at the charge / use card retailer (or affiliated store) or the client terminal 140 used by the customer. A generic term for a server (or device) that charges a predetermined amount of charge through a charge card of a card, wherein the card issuer that operates the charge / use card is provided, thereby charging the charge / use card. Funds corresponding to the charged amount charged through the card is managed by the card issuer.

According to the method of the present invention, the charge / use card charging server 105 purchases (or receives a payment of the charge / use card in the process of charging a predetermined charge amount through the charge card of the charge / use card). The customer wireless terminal 135 possessed (or owned) by the customer is preferably provided with a function of registering as a use card (or a second use card) of the charge / use card.

According to another exemplary embodiment of the present invention, a customer wireless terminal 135 possessed (or owned) by a customer who has purchased (or received) the charge / use card uses the use card (or second use) of the charge / use card. Card) is provided separately from the charging process through a separate server (not shown) or device (not shown) provided in the card issuer in addition to the charge / use card charging server 105. It is evident that the present invention includes all such inferred methods of implementation.

The card issuer server 110 provided in the card issuer operates a charge amount charged through a charge card sold (or paid) to the customer through the charge / use card charge server 105, and Payment / financial transaction requested through a customer wireless terminal 135 registered as a use card of the charge / use card, or a customer wireless terminal 135 registered as a use card of the charge / use card through a charge amount A generic term for a server (or device) for processing a requested payment / financial transaction, including, wherein the card issuing company operating the charge / use card is provided.

The communication company server 125 is provided in a wireless communication network to which a customer wireless terminal 135 registered as a use card of the charge / use card is connected, and relays the customer wireless terminal 135 and the card issuer server 110. It provides a function for connecting.

According to the exemplary embodiment of the present invention, the telecommunication company server 125 is provided with the customer wireless terminal 135 information and the subscriber information corresponding to the customer wireless terminal 135 to communicate with each other through the customer wireless terminal 135. It is preferable to control and operate, the card issuing server to the full (or data) transmitted from the customer wireless terminal 135 to use the customer wireless terminal 135 as the use card of the charge / use card It is preferable to relay to 110, or to relay the full text (or data) transmitted from the card issuer server 110 to the customer wireless terminal 135.

Carrier affiliated charge / use card operating system according to an aspect of the present invention, provided between the carrier server 125 and the card issuer server 110 to provide payment / financial transactions through the charge / use card. It is characterized in that it further comprises a bansa server 120.

When the bansa server 120 is further provided in the carrier cooperation charge / use card operating system, the bansa server 120 is preferably provided between the communication company server 125 and the card issuer server 110, The bansa server 120 uses the full-text (or data) transmitted from the communication company server 125 to use the customer wireless terminal 135 as a use card of the charge / use card. It is preferable to relay the message to the customer wireless terminal 135 or the full-text (or data) transmitted from the card issuer server 110.

Carrier affiliated charge / use card operating system according to another aspect of the present invention, is provided in the merchant to provide payment / financial transactions through the charge / use card, the merchant terminal (communication with the bansa server 120) 130) further comprising, in this case, the customer wireless terminal 135 preferably performs a function of a card medium for transmitting the use card information to the merchant terminal (130).

Here, the affiliated store terminal 130, at least a CAT (Credit Authorization Terminal) equipped with a merchant, or a POS (Point Of Sales) terminal equipped with a payment function for payment transactions through the use card of the charge / use card Characterized in that it comprises one or more, preferably according to the intention of those skilled in the art further comprises a CD / ATM device for financial transactions.

When the affiliated carrier terminal 130 and the bansa server 120 are further provided in the service provider affiliated charge / use card operating system, the bansa server 120 may include a public switched telephone network (PSTN), an intelligent network, and an xDSL. A public communication network including at least one based wired communication network, code division multiple access (CDMA) / wide-CDMA (WCDMA) based mobile communication network, high-speed downlink packet access (HSDPA) based wireless network, and IEEE 802.16x based portable Internet. Connect the communication channel with the affiliated store terminal 130 provided in the affiliated store through the dedicated network including at least one x.25 based communication network, at least one encryption / decryption based communication network and the communication channel with the communication channel. The relay terminal is characterized in that the relay connection between the professional relay target server, the professional relay target server, including the card issuer server 110 It eojineun preferred.

According to the first embodiment of the present invention, the card issuing server 110 for the payment / financial transactions using the customer wireless terminal 135 as a use card of the charge / use card, the card issuer server (110) Authorization request text transmitted from the customer wireless terminal 135 through 125) (for example, a message including customer wireless terminal 135 information, transaction amount information, and merchant information (or charging / use card use terminal information)). It is desirable to receive.

According to the second embodiment of the present invention, the card issuer server 110 is used for the payment / financial transaction using the customer wireless terminal 135 as a use card of the charge / use card. 125 and the approval request message (for example, customer wireless terminal 135 information, transaction amount information, merchant information (or charge / use card use target terminal information) transmitted from the customer wireless terminal 135 through the Bansa server 120 It is desirable to receive the full text)).

According to the third exemplary embodiment of the present invention, the card issuer server 110 may use the bansa server for payment / financial transactions using the customer wireless terminal 135 as a use card of the charge / use card. The authorization request text transmitted from the affiliated store terminal 130 through the 120 (eg, a full text including customer wireless terminal 135 information, transaction amount information, and merchant information (or charging / use card use target terminal information)). It is desirable to receive.

According to the fourth embodiment of the present invention, for the payment / financial transaction using the customer wireless terminal 135 as the use card of the charge / use card, the card issuer server 110 is connected to the communication company server ( Receives the customer wireless terminal 135 information (or the customer wireless terminal 135 information and the transaction amount information) transmitted from the customer wireless terminal 135 through the 125, and the affiliated store through the bansa server 120 After receiving the full message including the customer wireless terminal 135 information, transaction value information, merchant information (or charging / use card use target terminal information) from the terminal 130, received from the customer wireless terminal 135 By combining the information transmitted from the merchant terminal 130 with the information to confirm (or create) the full approval request for payment / financial transactions using the customer wireless terminal 135 as the use card of the charge / use card To bar It is good.

2 is a diagram illustrating a charging / using card manufacturing system according to an embodiment of the present invention.

In more detail, Figure 2 is a charge / use separate type made by linking a payment card for a payment / financial transaction and a charge card for charging the payment / financial transaction approval amount for the use card through a separate card medium A card or a charge / use integrated card including a payment card for a payment / financial transaction and a charge card for charging the payment / finance transaction approval for the use card on a single card medium; To make a charge / use card, deactivate the charge function of the charge card and the use card of the charge card included in the charge / use card, and disable the charge card information and the use card information (or blank use card). Information) is stored in the storage medium 240, and then the card pack including the charge / use card is delivered to each charge / use card store. / As shown in the use card manufacturing system, those of ordinary skill in the art to which the present invention pertains, by referring to and / or modifying the present Figure 2 to infer various implementation methods for the configuration of the charge / use card manufacturing system As will be appreciated, the present invention includes all implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, in the charging / use card manufacturing system shown in FIG. 2, a separate card medium for the payment card for the payment / financing transaction and a charge card for charging the payment amount for the payment / finance transaction approval for the use card Charge / use detachable card made in connection with, or the payment card for the payment / financial transaction, and the charge card for charging the payment amount for payment / financial transaction approval for the use card in a single card medium One or more means for making a charge / use card including any one of the use-use cards and / or components corresponding to the functional configuration are referred to as " card making server 100 " for convenience.

Referring to FIG. 2 according to an embodiment of the present invention, the charge / use card production system includes an employee terminal 250 used by a card issuer of a card issuer operating a charge / use card and a communication network. Charging / made in connection with the employee terminal 250 connected to the payment card / credit card for use in payments and payments / financial transaction approval charges for the use card through a separate card medium Either a detachable card or a payment / finance transaction card, and a charge / use integrated card having a charge card for charging the payment / finance transaction authorization for the use card on a single card medium; It characterized in that it comprises a card production server 100 for producing a charge / use card to include.

The employee terminal 250 preferably comprises a terminal device used by the card issuing staff provided in the card issuer operating the charge / use card, card production server connected to the employee terminal (250) 100 preferably comprises a server provided on the card issuer (or card maker affiliated with the card issuer) that operates the charge / use card, the staff terminal 250 and the card production server 100 The communication network connecting the employee terminal 250 and the card production server 100 preferably comprises a communication network for connecting the communication channel.

The card production server 100 is connected to the charge card for the payment / financial transaction and the charge card for charging the payment / financial transaction authorization charges for the use card through a separate card medium charge / Either a detachable card or a charge / use integrated card having a charge card for payment / financial transaction and a charge card for charging the payment / finance transaction approval for the use card on a single card medium; A generic term for the card issuer system-side component connected to the employee terminal 250 via a communication network to produce a charge / use card, including at least one server (or device), and / or Or at least one or more programs recorded on a recording medium provided in a predetermined server (or apparatus). Shall not.

According to the embodiment of the present invention, the card making server 100 is provided with an interface unit 200 (or interface means) for providing a predetermined card making interface to the employee terminal 250 through the communication network. It features.

The interface unit 200 connects a predetermined communication channel with the employee terminal 250 based on the protocol stack defined in the communication network, and the communication protocol defined in the card production management program included in the employee terminal 250. It is desirable to provide a communication interface for transmitting and receiving at least one or more information (or data).

Referring to FIG. 2, the card production server 100 interoperates with the interface unit 200 to input (or select) predetermined card making information from the employee terminal 250 and transmit the predetermined user interface. The interface providing unit 205 (or interface providing means) which is generated (or extracted) and provided to the employee terminal 250 and the user interface in the employee terminal 250 in conjunction with the interface unit 200. An information receiving unit 210 (or information receiving means) for receiving predetermined card making information transmitted by inputting (or selecting) and payment for a card used in the charge / use card based on the received card making information And an information generating unit 215 (or information generating means) for generating charging card information for charging the charge amount for the financial transaction approval. When the customer 215 sets the customer wireless terminal 135 of the customer who purchased (or received) the charge / use card as the second use card of the charge / use card, the BIN assigned to the card issuer And generating first use card information including BIN information associated with the allocation to the first use card of the charge / use card.

The interface provider 205 is connected to the card production server 100 when the employee terminal 250 is connected to the card production server 100 through the interface unit 200, the card corresponding to the functional configuration provided in the employee terminal 250 Create a predetermined user interface that can input (or select) production information and transmit it to the card making server 100 through the communication network, and / or extract it from a predetermined database (not shown), and the interface unit ( And the user interface generated (or extracted) in connection with the 200 to the employee terminal 250 through the communication network.

Thereafter, the employee terminal 250 inputs (or selects) the card making information based on the user interface, and sends the input (or selected) card making information to the card making server 100 through the communication network. send.

According to another embodiment of the present invention, a card making machine having a predetermined user interface capable of inputting (or selecting) the card making information to the employee terminal 250 and transmitting the card making information to the card making server 100 through the communication network. When the management program is provided, it may be omitted that the interface providing unit 205 provides the user interface to the employee terminal 250.

The information receiving unit 210 inputs (or selects) predetermined card making information through the user interface in the employee terminal 250 and transmits it through the communication network. The card making unit works in conjunction with the interface unit 200. And receiving information.

According to an embodiment of the present invention, the card production information preferably includes charging card number system information corresponding to the charging card of the charging / using card and serial number area information of the charging card number.

Preferably, the charge card number system information includes number system information corresponding to a charge card number for charging a charge amount within a predetermined charge limit amount according to a charging method of a charge card designated by the card issuer. The card number system is a domestic dedicated card number system configured to recognize the charge card in a terminal device, a communication network, and various relay servers used to charge a charge amount according to a charging method of a charge card designated by the card issuer. For example, it may be preferable to include one or more of a virtual account number system and a media identification number system (eg, a mobile phone number system).

The serial number area information of the charge card number preferably includes information for setting a serial number area among card numbers to be assigned to the charge card in correspondence with the charge card number system.

When setting the customer wireless terminal 135 of the customer who purchased (or received) the charge / use card as the second use card of the charge / use card, the card production information is assigned to the card issuer. It is preferable that the BIN information further comprises BIN information associated with allocation to the first use card of the charge / use card and serial number area information of the use card number to be associated with the BIN (Bank Identification Number) information. .

The BIN information is BIN information of a card number assigned to a first use card belonging to the charge / use card, and the BIN information is a first use of the charge / use card among BIN information assigned to the card issuer. It is preferable to include the associated BIN to assign to the card.

The serial number area information of the use card number may be allocated to the first use card in association with BIN information associated with allocating to the first use card of the charge / use card among the BIN information assigned to the card issuer. The card number includes information for setting a serial number area, and the serial number of the first use card number preferably matches one-to-one with the serial number of the charge card number.

The information generating unit 215 includes a serial number of any one of serial number areas of the charging card number corresponding to the charging card number system based on the card manufacturing information received through the information receiving unit 210. A charging card including at least one charging card number, a charging card expiration date, a charging property code (for example, one-time charging property, repeated charging property, charging channel property corresponding to each charging method), and charging card activation / deactivation information. It is characterized by generating information.

If the customer wireless terminal 135 of the customer who purchased (or received) the charge / use card is set as the second use card of the charge / use card, the information generation unit 215 is the card issuer. The use card number including any one of the BIN information associated with the BIN information allocated to the first use card of the charge / use card and the serial number area of the use card number, and the expiration date of the use card. And generating use card information including at least one of a CVC / CVV value, a use card attribute code (eg, a payment attribute, a financial transaction attribute), and use card activation / inactivity information.

Here, when the charging card includes the one-time charging attribute, the validity of the charging card may be omitted. When the charging card includes the repeating charging attribute, the charging card corresponding to the validity period of the charging / using card may be omitted. It is preferable to include an expiration date.

According to an embodiment of the present invention, the charge / use card is a charge / use detachable card that records the charge card information and the use card information on different card media, and purchases (or receives) the charge / use card. When the customer wireless terminal 135 of the customer is set as the second use card of the charge / use card, the first card medium for recording the use card information is an MS (Magnetic Stripe) card or an IC (Integrated Circuit) card. The second card medium for recording the charge card information may also include any one of the MS card and the IC card. In this case, the use card information and the charge card information may be recorded on the MS card or IC card. It is preferably generated including the card information structure.

According to another embodiment of the present invention, the charge / use card is a charge / use integrated card for recording the charge card information and the use card information on a single card medium, wherein the single card medium is an MS card, and the charge / use card is used. When setting the customer wireless terminal 135 of the customer who purchased the card (or received) as the second use card of the charge / use card, the use card information is recorded in track 2 of the MS, and the charge card information Is recorded on track 3 of the MS. In this case, the use card information is generated including a card information structure to be recorded on the track 2, and the charge card information indicates a card information structure to be recorded on the track 3. It is preferable to be generated, including.

Alternatively, the charge / use card is a charge / use integrated card for recording the charge card information and the use card information on a single card medium, wherein the single card medium is a mixed card provided with an MS and an IC in one card medium, When setting the customer wireless terminal 135 of the customer who purchased (or received) the charge / use card as the second use card of the charge / use card, the use card information is recorded on the IC chip, and the charge The card information is preferably recorded in the MS of a single card medium provided with the IC chip. In this case, the use card information may be a card information structure (for example, a COS (Chip Operating System) on the IC chip) to be recorded in the IC chip. It is preferable that the charge card information is generated including a card information structure (for example, a track information structure) to be recorded in the MS.

Alternatively, the charge / use card is a charge / use integrated card for recording the charge card information and the use card information on a single card medium, wherein the single card medium is a mixed card provided with an MS and an IC in one card medium, When setting the customer wireless terminal 135 of the customer who purchased (or received) the charge / use card as the second use card of the charge / use card, the use card information is recorded in the MS, and the charge card Preferably, the information is recorded on an IC chip of a single card medium provided with the MS. In this case, the use card information is generated including a card information structure (for example, a track-specific information structure) to be recorded in the MS. The charge card information is preferably generated including a card information structure (e.g., a file structure operable through COS on the IC chip) to be recorded on the IC chip.

Or a charge / use integrated card in which the charge / use card records the charge card information and the use card information in a single card medium, wherein the single card medium is an IC card card and purchases the charge / use card (or When the customer wireless terminal 135 of the paid customer is set as the second use card of the charge / use card, the use card information is recorded in the use card area on the IC chip, and the charge card information is stored in the IC chip. The card information is preferably recorded in the charge card area on the IC chip. In this case, the use card information is generated including a card information structure to be recorded in the use card area on the IC chip, and the charge card information is stored in the charge card area on the IC chip. It is preferably generated including the card information structure to be recorded.

According to another embodiment of the present invention, the charge / use card is a charge / use integrated card card for recording the charge card information and the use card information on a single card medium, and the purchase / use card is purchased (or When the customer wireless terminal 135 of the paid customer is set as the second use card of the charge / use card, the use card information and the charge card information are recorded on the IC chip (or MS) including the same card number. In this case, the use card information and the charge card information is preferably generated including the same card number.

According to another embodiment of the present invention, the charge / use card is a charge / use detachable card that records the charge card information and the use card information on different card media, and purchases (or pays for) the charge / use card. When the customer wireless terminal 135 of the customer is set as the first use card of the charge / use card, the card medium for recording the charge card information preferably includes any one of an MS card and an IC card. In this case, the charge card information is preferably generated including a card information structure to be recorded on the MS card or IC card.

Alternatively, the charge / use card is a charge / use integrated card for recording the charge card information and the use card information on a single card medium, and the customer wireless terminal of the customer who purchased (or received) the charge / use card 135 ) Is set as the first use card of the charge / use card, the card medium for recording the charge card information preferably comprises one of a disposable MS card or an IC card, and the customer wireless terminal 135 ) Is set as the use card of the charge / use card, the charge card information is preferably set to the customer wireless terminal 135 information.

Referring to FIG. 2, the card production server 100 records the charge card information on a predetermined card medium to produce a charge / use card or to purchase (or receive) the charge / use card. When the customer wireless terminal 135 is used as the second use card of the charge / use card, the use card information corresponding to the first use card of the charge / use card is different from the card medium on which the charge card information is recorded. And a card making unit 220 (card making means) for recording on a separate card medium (or the same card medium as the card medium recorded on the charging card information) to produce a charge / use card.

When the customer wireless terminal 135 of the customer who purchased (or received) the charge / use card is set as the first use card of the charge / use card, the charge card information is transferred through the information generation unit 215. When generated, the card manufacturing unit 220 provides the charging card information to the card making apparatus 235 to record the charging card recording the charging card information on a predetermined card medium to produce the charging / use card. It features.

Alternatively, use card information corresponding to the first use card of the charge / use card on a separate card medium (or the same card medium on which the charge card information is recorded) is different from the card medium recorded on the charge card information. Is recorded, and when the customer wireless terminal 135 of the customer who purchased (or received) the charge / use card is set as the second use card of the charge / use card, through the information generator 215. When the use card information and the charge card information corresponding to the first use card are generated, the card production unit 220 provides the use card information and the charge card information to the card making apparatus 235, thereby providing the use card information and the like. It characterized in that the charge / use card to record the use card and the charge card recording the charge card information on one or more card media.

According to an embodiment of the present invention, the charge / use card is a charge / use detachable card that records the charge card information and the use card information on different card media, and purchases (or receives) the charge / use card. When the customer wireless terminal 135 of the customer is set as the second use card of the charge / use card, the card manufacturing unit 220 stores the use card information and the charge card information through the card making device 235, respectively. It is preferable to produce a first use card and a charge card constituting the charge / use detachable card by recording on different card media including MS cards to IC cards, respectively.

According to another embodiment of the present invention, the charge / use card is a charge / use integrated card for recording the charge card information and the use card information on a single card medium, wherein the single card medium is an MS card, and the charge / use card is used. When setting the customer wireless terminal 135 of the customer who purchased the card (or received) as the second use card of the charge / use card, the card production unit 220 uses the card making device 235 It is preferable to produce the first use card and the charge card constituting the charge / use integrated card by recording the use card information on the track 2 of the MS and the charge card information on the track 3 of the MS.

Alternatively, the charge / use card is a charge / use integrated card for recording the charge card information and the use card information on a single card medium, wherein the single card medium is a mixed card provided with an MS and an IC in one card medium, When setting the customer wireless terminal 135 of the customer who purchased (or received) the charge / use card as the second use card of the charge / use card, the card manufacturing unit 220 generates a card making device 235. Record the use card information on the IC chip through, and record the charge card information to the MS of a single card medium equipped with the IC chip to produce a first use card and a charge card constituting the charge / use integrated card It is desirable to.

Alternatively, the charge / use card is a charge / use integrated card for recording the charge card information and the use card information on a single card medium, wherein the single card medium is a mixed card provided with an MS and an IC in one card medium, When setting the customer wireless terminal 135 of the customer who purchased (or received) the charge / use card as the second use card of the charge / use card, the card manufacturing unit 220 generates a card making device 235. The first card and the charge card to configure the charge / use integrated card by recording the use card information to the MS and the charge card information to the IC chip of the single card medium equipped with the MS through the It is preferable.

Or a charge / use integrated card in which the charge / use card records the charge card information and the use card information in a single card medium, wherein the single card medium is an IC card card and purchases the charge / use card (or When the customer wireless terminal 135 of the paid customer is set as the second use card of the charge / use card, the card manufacturing unit 220 sets the use card information on the IC chip through a card making device 235. It is preferable to produce a first use card and a charge card constituting the charge / use integrated card by recording in the use card area and recording the charge card information in the charge card area on the IC chip.

According to another embodiment of the present invention, the charge / use card is a charge / use integrated card card which records the charge card information and the use card information on a single card medium, and purchases (or pays for) the charge / use card. When the customer wireless terminal 135 of the customer is set as the second use card of the charge / use card, the card manufacturing unit 220 uses the same card number through the card making device 235. It is preferable to produce a first use card and a charge card constituting the charge / use integrated card by recording the information and the charge card information on the IC chip (or MS).

According to another embodiment of the present invention, the charge / use card is a charge / use detachable card that records the charge card information and the use card information on different card media, and purchases (or pays for) the charge / use card. When the customer wireless terminal 135 of the customer is set as the first use card of the charging / use card, the card manufacturing unit 220 sets the charging card information through the card making device 235 to the MS card or IC. It is desirable to produce a charging card constituting the charge / use removable card by recording on the card.

Alternatively, the charge / use card is a charge / use integrated card for recording the charge card information and the use card information on a single card medium, and the customer wireless terminal of the customer who purchased (or received) the charge / use card 135 ) Is set as the first use card of the charge / use card, the card manufacturing unit 220 records the charge card information on the disposable MS card or IC card through the card making device 235 to charge / use the card. It is desirable to manufacture a charging card constituting the removable card.

Referring to FIG. 2 according to an aspect of the present invention, the card production server 100 uses the charge / use card of the customer wireless terminal 135 of the customer who purchased (or received) the charge / use card. In the case of using as a card, the charge card information included in the charge / use card and the blank use card information is stored in the storage medium 240 in association with the charge function of the charge card and the use function of the use card, It is characterized in that it comprises an information storage unit 225 (or information storage means) for setting the charge amount information through the charge card to '0' to store in the storage medium 240 in association with the charge card information At least one charge / use card retailer (or affiliate) that includes a charge / use card including a charge card produced by the card maker 220 in one charge / use card pack Paper and the charge / A card by the customer card delivery section 230 (delivery means or card) that handles delivery to the application characterized by comprising further provided.

Referring to FIG. 2 according to another aspect of the present invention, the card production server 100 stores the customer wireless terminal 135 of the customer who purchased (or received) the charge / use card of the charge / use card. In case of using as a second use card, the charge card information included in the charge / use card and the use card information corresponding to the first use card are stored in the storage medium 240, and the charging function of the charge card and Information storage unit 225 (or information storage means) to deactivate the use function of the use card, and set the charge amount information through the charge card to '0' to store in the storage medium 240 in association with the charge card information And a charge / use card (or separate the first use card and the charge card into a single card medium) including a first use card and a charge card produced by the card manufacturing unit 220. group The card delivery unit 230 including the locked recharge / use card) in one recharge / use card pack to process the delivery to one or more predetermined recharge / use card stores (or merchants) or customers who applied for the recharge / use card. (Or a card delivery means) is characterized in that it further comprises.

When the customer wireless terminal 135 of the customer who purchased (or received) the charge / use card is set as the first use card of the charge / use card, the charge card information is transferred through the information generation unit 215. When generated, the information storage unit 225 may include a charge card information included in the charge / use card and a customer wireless terminal 135 of the customer who purchased (or received) the charge / use card. The information is stored in the storage medium 240 in association with each other, the charging function of the charge card and the use function of the use card are deactivated, and the charge amount information through the charge card is set to '0' in association with the charge card information. The storage medium 240 is characterized in that the storage.

Alternatively, use card information corresponding to the first use card of the charge / use card on a separate card medium (or the same card medium on which the charge card information is recorded) is different from the card medium recorded on the charge card information. Is recorded, and when the customer wireless terminal 135 of the customer who purchased (or received) the charge / use card is set as the second use card of the charge / use card, through the information generator 215. When the use card information and the charge card information corresponding to the first use card are generated, the information storage unit 225 may include charge card information included in the charge / use card and use card information corresponding to the first use card. And store the data in the storage medium 240, deactivate the charging function of the charge card and the use function of the use card, and set the charge amount information through the charge card to '0'. The system is characterized in that for storing in the storage medium 240.

When the charge / use card is produced through the card maker 220, the card delivery unit 230 includes the charge / use card produced by the card maker 220 in one card pack. By providing the use card pack information to the card delivery management server 245, the charge / use card packs to deliver the charge / use card packs to one or more predetermined charge / use card stores (or merchants) or the customer who applied for the charge / use card After that, the charge / use card retailer (or affiliated store) then sells the charge / use card pack.

3 is a view illustrating a charging / using card manufacturing process according to an embodiment of the present invention.

In more detail, Figure 3 is a charge / credit card production system shown in Figure 2, the charge card for the payment / financial transaction and the charge card for charging the payment / financial transaction approval for the use card Charge / use detachable card made in conjunction with, or the payment card / credit card for use in payment and financial transactions, and charge card for charging the payment amount for payment / financial transaction approval for the use card in a single card medium / Making a charge / use card including any one of the use-integrated card, deactivate the charge function and the use of the use card of the charge card included in the charge / use card, the deactivated charge card information and use card After storing the information (or blank card information) in the storage medium 240 in association with the information, each card pack containing the charge / use card is charged / used As shown in the delivery process to the card dealer, those of ordinary skill in the art to which the present invention belongs, inferring various implementation methods for the charge / use card manufacturing process by referring to and / or modified in this drawing 3 It should be noted that the present invention encompasses all the inferred implementation methods and is not limited to the implementation method shown in FIG.

Hereinafter, the card making server 100 shown in FIG. 2 in FIG. 3 is referred to as a "server" for convenience.

Referring to FIG. 3, when the employee terminal 250 inputs (or selects) card production information through the card production interface to the server, the server transmits the card production information from the employee terminal 250 through the card production interface. The card manufacturing information input (or selected) is received (300).

According to an embodiment of the present invention, the card production information preferably includes charging card number system information corresponding to the charging card of the charging / using card and serial number area information of the charging card number.

Preferably, the charge card number system information includes number system information corresponding to a charge card number for charging a charge amount within a preset charge limit amount according to a charging method of a charge card designated by the card issuer. The charge card number system is a domestic dedicated card number system configured to recognize the charge card in the terminal device, a communication network and various relay servers used to charge the charge amount according to the charging method specified by the card issuer, It is desirable to include one or more of a virtual account number system and a media identification number system (eg mobile phone number system).

The serial number area information of the charge card number preferably includes information for setting a serial number area among card numbers to be assigned to the charge card in correspondence with the charge card number system.

When setting the customer wireless terminal 135 of the customer who purchased (or received) the charge / use card as the second use card of the charge / use card, the card production information is assigned to the card issuer. It is preferable that the BIN information further comprises BIN information associated with allocation to the first use card of the charge / use card and serial number area information of the use card number to be associated with the BIN (Bank Identification Number) information. .

The BIN information is BIN information of a card number assigned to a first use card belonging to the charge / use card, and the BIN information is a first use card of the charge / use card among BIN information assigned to the card issuer. It is preferable to include the BIN associated with assigning to.

The serial number area information of the use card number may be allocated to the first use card in association with BIN information associated with allocating to the first use card of the charge / use card among the BIN information assigned to the card issuer. The card number includes information for setting a serial number area, and the serial number of the first use card number preferably matches one-to-one with the serial number of the charge card number.

Then, the server based on the received card production information, the charge card number including any serial number of the serial number area of the charge card number corresponding to the charge card number system, charge card expiration date, Generate charging card information including one or more charging attribute codes (eg, one charging attribute, repeated charging attributes, charging channel attributes corresponding to each charging scheme) and charging card activation / inactivation information; When setting the customer wireless terminal 135 of the customer who purchased (or received) as the second use card of the charge / use card, the first of the charge / use card of the BIN information assigned to the card issuer Usage card number including the serial number of any of the BIN information and the serial number area of the usage card number associated with the use card, the expiration date, CVC / CVV value and usage card Attribute code is generated using the card information including (for example, payment attributes, financial transaction attribute) and one or more cards using the active / inactive information (305).

Here, when the charging card includes the one-time charging attribute, the validity of the charging card may be omitted. When the charging card includes the repeating charging attribute, the charging card corresponding to the validity period of the charging / using card may be omitted. It is preferable to include an expiration date.

According to an embodiment of the present invention, the charge / use card is a charge / use detachable card that records the charge card information and the use card information on different card media, and purchases (or receives) the charge / use card. When the customer wireless terminal 135 of the customer is set as the second use card of the charge / use card, the first card medium for recording the use card information is an MS (Magnetic Stripe) card or an IC (Integrated Circuit) card. The second card medium for recording the charge card information may also include any one of the MS card and the IC card. In this case, the use card information and the charge card information may be recorded on the MS card or IC card. It is preferably generated including the card information structure.

According to another embodiment of the present invention, the charge / use card is a charge / use integrated card for recording the charge card information and the use card information on a single card medium, wherein the single card medium is an MS card, and the charge / use card When setting the customer wireless terminal 135 of the customer who purchased (or received) the use card as the second use card of the charge / use card, the use card information is recorded in track 2 of the MS, and the charge card Preferably, the information is recorded in track 3 of the MS, in which case the use card information is generated including a card information structure to be recorded in the track 2, and the charge card information is recorded in the track 3 card information structure. It is preferably generated including.

Alternatively, the charge / use card is a charge / use integrated card for recording the charge card information and the use card information on a single card medium, wherein the single card medium is a mixed card provided with an MS and an IC in one card medium, When setting the customer wireless terminal 135 of the customer who purchased (or received) the charge / use card as the second use card of the charge / use card, the use card information is recorded on the IC chip, and the charge The card information is preferably recorded in the MS of a single card medium provided with the IC chip. In this case, the use card information may be a card information structure (for example, a COS (Chip Operating System) on the IC chip) to be recorded in the IC chip. It is preferable that the charge card information is generated including a card information structure (for example, a track information structure) to be recorded in the MS.

Alternatively, the charge / use card is a charge / use integrated card for recording the charge card information and the use card information on a single card medium, wherein the single card medium is a mixed card provided with an MS and an IC in one card medium, When setting the customer wireless terminal 135 of the customer who purchased (or received) the charge / use card as the second use card of the charge / use card, the use card information is recorded in the MS, and the charge card Preferably, the information is recorded on an IC chip of a single card medium provided with the MS. In this case, the use card information is generated including a card information structure (for example, a track-specific information structure) to be recorded in the MS. The charge card information is preferably generated including a card information structure (for example, a file structure operable through a COS on the IC chip) to be recorded on the IC chip.

Or a charge / use integrated card in which the charge / use card records the charge card information and the use card information in a single card medium, wherein the single card medium is an IC card card and purchases the charge / use card (or When the customer wireless terminal 135 of the paid customer is set as the second use card of the charge / use card, the use card information is recorded in the use card area on the IC chip, and the charge card information is stored in the IC chip. The card information is preferably recorded in the charge card area on the IC chip. In this case, the use card information is generated including a card information structure to be recorded in the use card area on the IC chip, and the charge card information is stored in the charge card area on the IC chip. It is preferably generated including the card information structure to be recorded.

According to another embodiment of the present invention, the charge / use card is a charge / use integrated card card that records the charge card information and the use card information on a single card medium, and purchases (or pays for) the charge / use card. When the customer wireless terminal 135 of the received customer is set as the second use card of the charge / use card, the use card information and the charge card information are recorded on the IC chip (or MS) including the same card number. In this case, the use card information and the charge card information is preferably generated including the same card number.

According to another embodiment of the present invention, the charge / use card is a charge / use detachable card that records the charge card information and the use card information on different card media, and purchases (or pays for) the charge / use card. When the customer wireless terminal 135 of the customer is set as the first use card of the charge / use card, the card medium for recording the charge card information preferably includes any one of an MS card and an IC card. In this case, the charge card information is preferably generated including a card information structure to be recorded on the MS card or IC card.

Alternatively, the charge / use card is a charge / use integrated card for recording the charge card information and the use card information on a single card medium, and the customer wireless terminal of the customer who purchased (or received) the charge / use card 135 ) Is set as the first use card of the charge / use card, the card medium for recording the charge card information preferably comprises any one of a disposable MS card or IC card, the customer wireless terminal 135 ) Is set as the use card of the charge / use card, the charge card information is preferably set to the customer wireless terminal 135 information.

If the card information is generated 310, the server provides the card information to the card making apparatus 235 to record the charge card information on a predetermined card medium to produce a charge / use card, or If the customer wireless terminal 135 of the customer who purchased (or received) the charge / use card is used as the second use card of the charge / use card, use corresponding to the first use card of the charge / use card The card information is recorded on a separate card medium (or the same card medium as the card medium on which the charge card information is recorded) from the card medium on which the charge card information is recorded to produce a charge / use card (315).

According to an embodiment of the present invention, the charge / use card is a charge / use detachable card that records the charge card information and the use card information on different card media, and purchases (or receives) the charge / use card. When setting the customer wireless terminal 135 of the customer as the second use card of the charge / use card, the server sets the use card information and the charge card information through the card making device 235 to each MS card or IC. It is preferable to produce a first use card and a charge card constituting the charge / use removable card by recording on different card media including a card, respectively.

According to another embodiment of the present invention, the charge / use card is a charge / use integrated card for recording the charge card information and the use card information on a single card medium, wherein the single card medium is an MS card, and the charge / use card When setting the customer wireless terminal 135 of the customer who purchased (or received) the use card as the second use card of the charge / use card, the server receives the use card information through the card making device 235. It is preferable to produce a first use card and a charge card constituting the charge / use integrated card by recording on track 2 of the MS and recording the charge card information on track 3 of the MS.

Alternatively, the charge / use card is a charge / use integrated card for recording the charge card information and the use card information on a single card medium, wherein the single card medium is a mixed card provided with an MS and an IC in one card medium, When setting the customer wireless terminal 135 of the customer who purchased (or received) the charge / use card as the second use card of the charge / use card, the server uses the card making device 235 to perform the use. It is preferable to produce a first use card and a charge card constituting the charge / use integrated card by recording card information on an IC chip and recording the charge card information on an MS of a single card medium provided with the IC chip. .

Alternatively, the charge / use card is a charge / use integrated card for recording the charge card information and the use card information on a single card medium, wherein the single card medium is a mixed card provided with an MS and an IC in one card medium, When setting the customer wireless terminal 135 of the customer who purchased (or received) the charge / use card as the second use card of the charge / use card, the server uses the card making device 235 to perform the use. The card information is recorded in the MS, and the charge card information is recorded in the IC chip of the single card medium provided with the MS to manufacture a first use card and a charge card constituting the charge / use integrated card.

Or a charge / use integrated card in which the charge / use card records the charge card information and the use card information in a single card medium, wherein the single card medium is an IC card card and purchases the charge / use card (or When the customer wireless terminal 135 of the paid customer is set as the second use card of the charge / use card, the server transmits the use card information to the use card area on the IC chip through the card making device 235. And recording the charge card information in the charge card area on the IC chip to produce a first use card and a charge card constituting the charge / use integrated card.

According to another embodiment of the present invention, the charge / use card is a charge / use integrated card card which records the charge card information and the use card information on a single card medium, and purchases (or pays for) the charge / use card. When the customer wireless terminal 135 of the received customer is set as the second use card of the charge / use card, the server uses the card making device 235 and the use card information and the charge card including the same card number. It is preferable to produce a first use card and a charge card constituting the charge / use integrated card by recording information on an IC chip (or MS).

According to another embodiment of the present invention, the charge / use card is a charge / use detachable card that records the charge card information and the use card information on different card media, and purchases (or pays for) the charge / use card. When the customer wireless terminal 135 of the customer is set as the first use card of the charge / use card, the server records the charge card information on the MS card or the IC card through the card making device 235. It is preferable to manufacture a charging card constituting the charge / use removable card.

Alternatively, the charge / use card is a charge / use integrated card for recording the charge card information and the use card information on a single card medium, and the customer wireless terminal of the customer who purchased (or received) the charge / use card 135 ) Is set as the first use card of the charge / use card, the server configures the charge / use detachable card by recording the charge card information on a disposable MS card or IC card through a card making device 235. It is desirable to produce a charging card.

If the charge / use card is produced (320), the server stores the charge card information included in the charge / use card and use card information (or blank use card information) in the storage medium 240, The charging function of the charge card and the use function of the use card are deactivated, and the charge amount information through the charge card is set to '0' and stored in the storage medium 240 in association with the charge card information (325).

When the customer wireless terminal 135 of the customer who purchased (or received) the charge / use card according to an embodiment of the present invention sets the first use card of the charge / use card, the information generator ( When the charge card information is generated through 215, the server includes the charge card information included in the charge / use card and the information of the customer wireless terminal 135 of the customer who purchased (or received) the charge / use card. The card information is stored in the storage medium 240 in association with the blank use card information, the charge function of the charge card and the use function of the use card are deactivated, and the charge amount information through the charge card is set to '0'. It is preferable to store in the storage medium 240 in association with.

According to another embodiment of the present invention, the first use of the charge / use card on a separate card medium (or the same card medium on which the charge card information is recorded) is different from the card medium on which the charge card information is recorded. When the use card information corresponding to the card is recorded and the customer wireless terminal 135 of the customer who purchased (or received) the charge / use card is set as the second use card of the charge / use card, the information When the use card information and the charge card information corresponding to the first use card are generated through the generation unit 215, the server uses the charge card information included in the charge / use card and the use corresponding to the first use card. The card information is stored in the storage medium 240 in association with each other. In conjunction with the charge card information is preferably stored in the storage medium 240.

Thereafter, the server provides the card delivery management server 245 with charge / use card pack information including the produced charge / use card in one card pack, thereby providing one or more predetermined charge / use card stores (or Merchants) to the customer who applied for the charge / use card to process the charge / use card packs (330), and then the charge / use card stores (or merchants) sells the charge / use card packs.

4 is a diagram illustrating a configuration of a charge / use card charging system according to an exemplary embodiment of the present invention.

In more detail, FIG. 4 shows each charge / use card retailer using the charge card included in the charge / use card manufactured through the charge / use card manufacturing system shown in FIG. 2 and sold (or paid) to a customer ( Or to charge the charged amount through the charging terminal 145 provided in the affiliated store, and when charging the charged amount, the customer wireless terminal 135 of the customer who purchased (or received) the charge / use card is charged. Set the use card (or second use card) of the use card, and the payment card / financial transaction function of the charge card charged with the charge amount and the use card (or second use card) associated with the charge card The present invention relates to a charge / use card charging system for activating and storing the charge amount information in the storage medium 480 in association with the charge card information, and having a general knowledge in the technical field to which the present invention pertains. However, various implementation methods for the charge / use card charging system configuration may be inferred by referring to and / or modifying the drawing 4, but the present invention includes all the implementation methods inferred from the drawing 4 The technical features are not limited only to the implementation method shown in FIG.

For example, in FIG. 4, a customer wireless terminal of a customer who purchased (or received) the charge / use card in a charge / use card charge request message for the charge in the charging process of the charge / use card in the charging / use card ( 135) by performing the charging and registration of the customer wireless terminal 135 further including the information, the customer wireless terminal 135 of the customer who purchased (or received) the charge / use card of the charge / use card Although it is illustrated and described as being set as a use card (or a second use card), the present invention is not limited thereto, and the customer wireless terminal 135 is used as the use card (or second use) of the charge / use card. Card), the charge / use card in addition to the full charge request request is made through a separate customer wireless terminal 135 registration full text, or charge card information of the charge / use card Using the value, it is possible to register the customer wireless terminal 135 online (or wirelessly) with the use card (or second use card) of the charge / use card, and the present invention allows the customer wireless terminal 135 to be used. It will be apparent that all inferred implementation methods for registering as a use card (or a second use card) of the charge / use card are included.

Referring to FIG. 4, the charge / use card charging system may include a charging terminal 145 provided at a charge / use card retailer (or an affiliated store) and a charge / use card manufacturing system shown in FIG. 2. Create a charge / use card and deliver it to the charge / use card store (or merchant), and use each charge / use card store (or merchant) with the charge card included in the charge / use card sold (or paid) to the customer. Charge the charge amount through the charging terminal 145 provided at the), and when charging the charge amount, the customer wireless terminal 135 of the customer who purchased (or received) the charge / use card is charged / used It is set as the use card (or second use card) of the card, and activates the payment / financial transaction function of the charge card charged with the charged amount and the use card (or second use card) associated with the charge card. , The tooth Charge / use card charging server 105 for storing the amount information in the storage medium 480 in association with the charge card information and the communication network relay connection between the charging terminal 145 and the charge / use card charging server 105 It characterized in that it comprises a bansa server 120 provided.

In FIG. 4, the charge / use card charging server 105 is illustrated as one server for convenience, but this is one embodiment for efficiently describing the technical features of the charge / use card charging server 105 in the present invention. Only, it will be apparent that the charging / using card charging server 105 may be implemented in the form of a system consisting of a plurality of servers for each functional component according to the intention of the person skilled in the art and the method of implementing the charging / using card charging system.

In addition, in FIG. 4, the bansa server 120 is also illustrated as one server for convenience, but this is only an exemplary method for efficiently describing the technical features of the bansa server 120 in the present invention. According to the charging / use card charging system implementation method, the bansa server 120 may be clearly implemented as a system consisting of a plurality of servers for each functional component.

The charging terminal 145 is a CAT provided at a charge / use card store (or affiliated store) that sells (or pays) a charge / use card produced through the charge / use card manufacturing system shown in FIG. (Credit Authorization Terminal), or characterized in that it comprises at least one or more POS (Point Of Sales) terminal having a payment function.

According to an embodiment of the present invention, the charging terminal 145 includes at least one card reader for charging a charged amount, and reads card information from a charging card belonging to the charge / use card through the card reader, After inputting charging information (eg, charging amount) through a key input device, a communication network is generated by generating a charge / use card charging request message including the card information, the charging information, and the charging / use card retailer (or affiliated store) information. It is characterized in that the transmission to the Bansa server 120, and the customer wireless terminal 135 of the customer who purchased (or received) the charge / use card using the charge / use card (or second card) In order to set the card, the customer wireless terminal 135 information is further inputted (or received from the customer wireless terminal 135 information through short-range communication) to charge the credit card. Preferably, the inclusion to the specialized, in this case the professional charge / charge card use request is preferably further comprises an item of information to include the wireless client terminal (135) information.

The bansa server 120 may include a public switched telephone network (PSTN), an intelligent network, an xDSL-based wired network, a code division multiple access (CDMA) / wide-CDMA (WCDMA) -based mobile communication network, and high-speed HSDPA. Connecting a communication channel with a charging terminal 145 provided in the charging / using card retailer (or affiliated store) through a public communication network including at least one of a downlink packet access (WLAN) based wireless network, an IEEE 802.16x based portable Internet, and the like, The charging terminal 145 and the charging / use card charging server by connecting a communication channel with the charging / use card charging server 105 through a dedicated communication network including at least one x.25 based communication network and an encryption / decryption based communication network. It is characterized by relay connection 105.

According to the method of the present invention, the bansa server 120 receives the full charge / use card charge request encrypted with the bansa encryption key from the charging terminal 145, and the full charge / use card charge request full of Bansa After decrypting with a decryption key, the card information included in the decrypted full charge / use card charge request message is read by a BIN (Bank Identification Number), and the charge / use card charge server to which the full charge / use card charge request message is transmitted 105 ), And encrypts the full charge / use card charge request message with an encryption key that can be decrypted by the checked charge / use card charge server 105 and transmits it to the charge / use card charge server 105. Do.

The charge / use card charging server 105 may produce the charge / use card through the charge / use card manufacturing system shown in FIG. 2 and sell the charge / use card to a customer through a charge / use card retailer (or an affiliate store). Payment), and checks the charge / use card including the charge card corresponding to the card information based on the card information included in the charge / use card charge request message received from the bansa server 120, and the confirmed The charge / use card is characterized by charging the charge amount.

According to an embodiment of the present invention, the charge / use card charging server 105 receives the full charge / use card charge request message encrypted with the encryption key of the charge / use card charge server 105 from the bansa server 120 It is preferable to check the card information, the charging information, and the charging / use card selling store (or affiliated store) information included in the full charge / use card charging request by decoding.

Those skilled in the art to which the present invention pertains, the technical features of the charging terminal 145, the bansa server 120 and the charge / use card charging server 105 operating as described above to familiarize with the technical features. Since it will be, more detailed description thereof will be omitted for convenience.

Referring to FIG. 4, the bansa server 120 connects and manages a communication channel with a charging terminal 145 provided in the charging / use card retailer (or an affiliated store) through a communication network (eg, a public communication network). The receiver 400 and the professional receiver 405 for receiving the charge / use card charge request message through the communication channel in association with the interface unit 400, and the charge / use card charge request message included in the A professional relay target verification unit 415 for reading the card information and checking the charge / use card charge server 105 to relay the full charge / use card charge request message; and the checked charge / use card charge server 105 Charge / use including an information transmission unit 420 for transmitting the full charge / use card charge request message to the charge / use card charge server 105 from the charge / use card charge request message 105A full text message for transmitting the full text of the charging / use card including the charging history to the charging terminal 145 through the communication channel in association with the information receiving unit 425 and the interface unit 400. It is characterized by comprising a transmitting unit 410.

The interface unit 400 stores the charge / use card store through a communication protocol corresponding to a communication network connecting the bansa server 120 and the charging terminal 145 provided at the charge / use card store (or affiliated store) ( Or a charging terminal 145 provided at an affiliated store) and a communication channel for transmitting and receiving a charge-related professional message, and maintaining and managing the communication channel until the professional transmission and reception is completed.

In the charging terminal 145 to which the communication channel is connected, the card information is read from the charge / use card through a card reader, the charge information (for example, the charge amount) is input through a key input device, and then the card information and the charge are charged. When a charge / use card charge request message including information and the charge / use card retailer (or affiliated store) information is generated and transmitted through a communication network, the expert receiver 405 is connected to the interface unit 400 to charge the charge. Characterized in that the full charge / use card charge request from the terminal 145 is received.

If the charge / use card charge request message is encrypted and transmitted from the charging terminal 145 through the Bansa encryption key, the expert receiver 405 decrypts the encrypted charge / use card charge request message. It is preferable.

When the charge / use card charge request message is received, the specialized relay target confirmation unit 415 may include card information included in the charge / use card charge request message (eg, BIN of the charge card included in the charge / use card). Read the charge / use card charge request is characterized in that the full charge / use card charging server 105 to be relayed transmission.

When the charge / use card charge server 105 to which the charge / use card charge request telegram is relayed is checked by the specialized relay target confirmation unit 415, the information transmitter 420 may be the bansa server 120. And the full charge / use card charge request message to the charge / use card charge server 105 through a communication channel connected between the charge / use card charge server 105 and the charge / use card charge server 105.

Thereafter, the charge / use card charge server 105 performs a charge charging procedure through a charge card corresponding to the charge / use card charge request message and transmits the charge / use card charge request message to the charge / use card charge request message. The charging / use card charging result message including the corresponding charging history is transmitted, and the information receiving unit 425 transmits the charging / use card charging result message from the charging / use card charging server 105 through the communication channel. It is characterized by receiving.

When the full message is received from the charge / use card charging server 105, the full message transmission unit 410 includes the charge history through the communication channel in association with the interface unit 400. Characterized in that the full charge / use card charging results are transmitted to the charging terminal 145, wherein the interface unit 400 is the full charge / use card charging results transmitted to the charging terminal 145 It is desirable to carry out further verification process.

According to the present invention, the charge / use card charging server 105 may include charge card information and use card information (or blank use) included in the charge / use card produced through the charge / use card manufacturing system shown in FIG. Card information) and the storage medium 480 in conjunction with the charge card information and the charge amount information through the charge card, or the storage medium 480 to operate It is preferable to link with a DBMS or a DB server (not shown) provided with the storage medium 480.

Here, the charge card information, the charge card number for the charge card included in the charge / use card produced through the charge / use card manufacturing system shown in Figure 2, the charge card expiration date, the charge attribute code (for example , Charge charging attribute, repetitive charging attributes, charging channel attributes corresponding to each charging scheme) and charge card activation / deactivation information.

The use card information includes a use card number, a use card expiration date, a CVC / CVV value and a use card for a use card included in a charge / use card produced through the charge / use card manufacturing system shown in FIG. It is preferable to include at least one attribute code (eg, payment attribute, financial transaction attribute) and use card activation / inactivity information.

Alternatively, the blank use card information is treated with a blank of the use card number, the use card validity period, and the CVC / CVV value, and the use card attribute code (e.g., payment attribute, financial transaction attribute) and use card activation. / Inactive information, and preferably includes an information structure for setting the customer wireless terminal 135 information as a use card of the charge / use card.

Preferably, the charge amount information includes an amount charged in the charge / use card through the charge card.

Referring to FIG. 4, the charge / use card charging server 105 may include a communication unit 430 for connecting and managing a communication channel with the bansa server 120 through a communication network (eg, a dedicated communication network), and the communication unit ( A receiving unit 435 for receiving the full charge / use card charge request message from the bansa server 120 in association with 430 and the card information included in the received charge / use card charge request message are shown in FIG. A card information verification unit 445 for confirming whether the card information is matched with the charge card information included in the charge / use card manufactured and sold to the customer through a charged / use card manufacturing system, and the card information is charged. A matching processing card 450 (or charging / using card charging means) for charging the charged / used card to the charged / used card when it matches the charge card information included in the used / used card; Ha Is a history generation unit 465 for generating a charge history, a generation unit 470 for generating a full charge / use card charging results including the charge history and the communication unit 430 through the communication channel And a transmission unit 440 for transmitting the generated charge / use card charge result to the bansa server 120, and after the charge process, charges / uses the card store (or the charge amount). Merchant) is characterized in that it further comprises a reimbursement settlement unit 475 for the settlement processing to the card issuer operating the charge / use card.

The communication unit 430 transmits and receives a charge-related full text message (or information) to the bansa server 120 through a communication protocol corresponding to a communication network connecting the charge / use card charging server 105 and the bansa server 120. It is characterized by connecting the communication channel.

When the bansa server 120 transmits the full charge / use card charge request message through the communication channel, the receiving unit 435 is connected with the communication unit 430 and the card information and charging information and charge / use card stores ( Or affiliated)) receiving a full charge / use card charging request including at least one information.

If the charge / use card charge request message is encrypted and transmitted from the bansa server 120 through the encryption key of the card company server, the receiving unit 435 decrypts the encrypted charge / use card charge request message. It is preferable.

When the full charge / use card charge request message is received, the card information check unit 445 checks the card information included in the full charge / use card charge request message, and the confirmed card information is shown in FIG. Characterized by checking the card information included in the charge / use card produced by the charge / use card manufacturing system sold to (or paid) to the customer.

When the card information included in the full charge / use card charge request message is matched with the charge card information included in the charge / use card by the card information checker 445, the charge processor 450 is configured to store the storage medium ( 480 to activate the charging function of the identified charging card information and the use function of the use card associated with the charging card, and charge the charging amount information stored in association with the charging card information on the storage medium 480. It is characterized in that the additional charge amount information included in the full charge / charge card used for storing.

When the charge charging procedure through the charge card for the charge amount is completed by the charge processor 450, the history generator 465 is the charge / use card charge result charged by the charge processor 450 Characterized by generating a charge history comprising a.

When the charge history is generated, the generation unit 470 generates a full charge / use card charging result including the charge history, and the transmission unit 440 is connected to the communication unit 430 Characterized in that the full charge / use card through the communication channel characterized in that for transmitting to the bansa server 120.

In addition, when the charge for the charge amount is processed by the charge processor 450, the charge settlement unit 475 after the sale (or payment) of the charge / use card, the charge of the charge / use card Corresponding to the payment amount is settled from the charge / use card retailer (or merchant) to the card issuer operating the charge / use card (for example, from the account of the charge / use card retailer (or merchant)) And depositing it into an account of a card issuer operating the charge / use card.

Referring to Figure 4, the charge / use card charging server 105, the use card confirmation unit 455 (or use card to check the information on the customer wireless terminal 135 included in the full charge / use card charge request) Confirmation means) and the use card for setting the customer wireless terminal 135 information to the use card (or second use card) of the charge / use card to store in the storage medium 480 in association with the charge card information It is characterized by comprising a registration unit 460 (or use card registration means).

When the charge for the charge amount is processed by the charge processor 450, the use card check unit 455 is a customer wireless terminal 135 information item of the information items included in the full charge / charge card charge request It is characterized in that confirming the customer wireless terminal 135 information to be used as a use card of the charge / use card from.

If the customer wireless terminal 135 information is confirmed by the use card verification unit 455, the use card registration unit 460 uses the charge / use card (or the use card of the customer wireless terminal 135) information. Second use card) and store the information on the storage medium 480 in association with the charging card information.

When the customer wireless terminal 135 is set as a use card of the charge / use card according to an embodiment of the present invention, the storage medium 480 stores blank use card information, and the use card registration unit ( 460 preferably stores the customer wireless terminal 135 information in the blank use card information associated with the charging card information.

According to another embodiment of the present invention, the charge / use card is configured with a first use card, and when the customer wireless terminal 135 is set as the second use card of the charge / use card, the use. The card registration unit 460 preferably stores the charge card information and the customer wireless terminal 135 in association with the storage medium 480.

5 is a view illustrating a charging request process of a charge / use card according to an embodiment of the present invention.

In more detail, FIG. 5 is a charge / use card charging system shown in FIG. 4 based on a charge / use card manufactured and sold (or paid) to a customer through the charge / use card manufacturing system shown in FIG. When the charging terminal 145 generates a charge / use card charge request message and transmits it to the bansa server 120, the charge / use card charge request message is transferred from the bansa server 120 to the charge / use card charge server ( 105 shows a process of relay transmission, and those skilled in the art to which the present invention pertains, various implementations of the charge request process of the charge / use card by referring to and / or modified in this figure 5 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. The.

For example, in FIG. 5, the customer's wireless terminal of the customer who purchased (or received) the charge / use card in a charge / use card charge request message for the charge in the charging process of the charge / use card of the charge / use card ( 135) by performing the charging and registration of the customer wireless terminal 135 further including the information, the customer wireless terminal 135 of the customer who purchased (or received) the charge / use card of the charge / use card Although it is illustrated and described as being set as a use card (or a second use card), the present invention is not limited thereto, and the customer wireless terminal 135 is used as the use card (or second) of the charge / use card. Use card), the charge / use card charge request is made in addition to the full charge wireless charging device (135) registration, or through the charge / use card charge card information Using the value, it is possible to register the customer wireless terminal 135 online (or wirelessly) with the use card (or second use card) of the charge / use card, and the present invention allows the customer wireless terminal 135 to be used. It will be apparent that all inferred implementation methods for registering as a use card (or a second use card) of the charge / use card are included.

Referring to FIG. 5, the charging terminal 145 on the offline charging / using card charging system shown in FIG. 4 reads card information from the charging / using card through a card reader, and charges information through a key input means. For example, a charge amount) is input (500), and includes the input card information, the charge information, and the charge / use card selling store (or affiliated store) information stored in the charging terminal 145, and purchases the charge / use card. Charging / using card charging further comprising customer wireless terminal 135 information for setting one (or paid) customer wireless terminal 135 as a using card (or second using card) of the charging / using card Generate a request full text (505).

According to another embodiment of the present invention, when the process of registering the customer wireless terminal 135 as a use card (or a second use card) of the charge / use card is performed separately from the charge process, charge the charge / use card It is possible to omit the customer wireless terminal 135 information in the entire request, thereby the present invention is not limited.

Thereafter, the charging terminal 145 connects the communication channel for professional transmission and reception with the bansa server 120 through the communication network (for example, a public communication network) (510).

If the communication channel is connected (515), the charging terminal 145 transmits the full charge / use card charge request message to the bansa server 120 through the communication channel (520), and corresponding to the bansa The server 120 receives the full text of the charge / use card charge request transmitted from the charging terminal 145 through the communication channel (525).

According to an embodiment of the present invention, when the charge / use card charge request message is encrypted and transmitted from the charging terminal 145 through the encryption key of the bansa, the bansa server 120 uses the encrypted charge / use. It is desirable to decrypt the full card charge request.

Then, the bansa server 120 checks the card information included in the full charge / use card charge request (530).

According to the method of the present invention, the bansa server 120 may further check the charging information and the charge / use card retailer (or affiliated store) information included in the full charge / use card charge request, thereby The invention is not limited.

Thereafter, the bansa server 120 reads the checked card information and checks the charge / use card charging server 105 to relay the full charge / use card charge request message (535).

According to an embodiment of the present invention, the bansa server 120 reads the BIN of the card information included in the full charge / use card charge request message, and charges the charge / use card to which the charge / use card charge request message is relayed. It is desirable to check server 105.

If the charge / use card charging server 105 to transmit the full charge / use card charge request relay is confirmed (540), the bansa server 120 is charged to the confirmed charge / use card charging server 105 Relay transmission of the full charge of the use card (545).

6 is a diagram illustrating a charging process of a charge / use card according to an embodiment of the present invention.

In more detail, FIG. 6 illustrates that the charge / use card charge request message is received by the charge / use card charge server 105 through the charge request process shown in FIG. 5. In the charge / use card charge request for charging the charge amount to be used through the charge / use card using the full charge card, if the person having ordinary knowledge in the art to which the present invention belongs, Figure 6 By referring to and / or modified it can be inferred various implementation methods for the charging process of the charge / use card, but the present invention includes all the implementation methods inferred, the embodiment shown in Figure 6 The technical features are not limited only.

For example, in FIG. 6, a customer wireless terminal of a customer who purchased (or received) the charge / use card in a charge / use card charge request message for the charge in the charging process of the charge / use card of the charge / use card ( 135) by performing the charging and registration of the customer wireless terminal 135 further including the information, the customer wireless terminal 135 of the customer who purchased (or received) the charge / use card of the charge / use card Although it is illustrated and described as being set as a use card (or a second use card), the present invention is not limited thereto, and the customer wireless terminal 135 is used as the use card (or second use) of the charge / use card. Card), the charge / use card in addition to the full charge request request is made through a separate customer wireless terminal 135 registration full text, or charge card information of the charge / use card Using the value, it is possible to register the customer wireless terminal 135 online (or wirelessly) with the use card (or second use card) of the charge / use card, and the present invention allows the customer wireless terminal 135 to be used. It will be apparent that all inferred implementation methods for registering as a use card (or a second use card) of the charge / use card are included.

In addition, in FIG. 6, when the charge is confirmed through the charging card, after activating a payment / financial transaction function of the use card of the charge / use card, the customer wireless terminal 135 information is transferred to the charge / use card. Although described as a registration using a use card (or a second use card), the present invention is by no means limited thereto, but payment / financial transaction of the use card (or second use card) of the charge / use card. The function activation and registration of the customer wireless terminal 135 information may be performed at the same time, or after the customer wireless terminal 135 information is registered as a use card (or second use card) of the charge / use card, the use card (or first) It is possible to activate the payment / financial transaction function of the 2 used card), and the present invention will be clearly understood that the present invention includes all the possible inference methods.

Referring to FIG. 6, through the charging request process illustrated in FIG. 5, the charge / use card charging server 105 receives the full charge / use card charging request 600.

When the full charge / use card charge request message is encrypted and transmitted from the bansa server 120 through the encryption key of the card company server according to the embodiment of the present invention, the charge / use card charge server 105 is encrypted. It is desirable to decrypt the full charge / use card charge request.

Thereafter, the charge / use card charging server 105 checks the card information, the charge information, and the charge / use card retailer (or affiliated store) information included in the full charge / use card charge request message (605), and the confirmed The card information is verified through the charging / use card manufacturing system shown in FIG. 2 and matched with the charging card information included in the charging / use card sold (or paid) to a customer (610).

If the card information does not match the card information included in the charge / use card, which is produced through the charge / use card manufacturing system shown in FIG. 2 and sold (or paid) to the customer (615). ), The charge / use card charging server 105 generates a full charge / use card charging result including charging error information and transmits it to the bansa server 120 (620), correspondingly to the bansa server 120 ) Transmits the full text of the charging / use card charging result including the charging error information to the charging terminal 145 through the communication channel connected to the charging terminal 145 and outputs it (625).

On the other hand, if the card information is matched with the charge card information of the charge / use card produced through the charge / use card manufacturing system shown in FIG. 2 and sold (or paid) to the customer (615), the charge / use The usage card charging server 105 activates the charging function of the confirmed charging card information and the usage function of the usage card (or second usage card) associated with the charging card in association with the storage medium 480, and In operation 630, the charge amount information included in the charge / use card charge request message is added to the charge amount information stored in association with the charge card information in the storage medium 480.

Thereafter, the charging / using card charging server 105 generates a charging history including the charging / using card charging result (635).

Thereafter, the charge / use card charging server 105 generates a full charge / use card charging result including the charge history and transmits the full text to the bansa server 120 (640), correspondingly to the bansa server 120. ) Transmits and outputs the full charge / use card charging result including the charging history to the charging terminal 145 through a communication channel connected to the charging terminal 145 (625).

Thereafter, the charge / use card charging server 105 checks the customer wireless terminal 135 information to be set as a use card (or a second use card) of the charge / use card from the full charge / use card charge request message ( 645).

If the customer wireless terminal 135 information to be set as the use card (or second use card) of the charge / use card from the charge / use card charge request message is confirmed (650), the charge / use card charge server 105 ) Sets the customer wireless terminal 135 information as a use card (or second use card) of the charge / use card, and stores the information on the storage medium 480 in association with the charge card information (655). .

When the customer wireless terminal 135 is set as a use card of the charge / use card according to an embodiment of the present invention, the storage medium 480 stores blank use card information, and the charge / use card The charging server 105 preferably stores the customer wireless terminal 135 information in the blank use card information associated with the charging card information.

According to another embodiment of the present invention, when the charging / use card has a preset first use card, and the customer wireless terminal 135 is set as the second use card of the charge / use card, the charging The card charging server 105 preferably stores the charge card information and the customer wireless terminal 135 in association with the storage medium 480.

7 is a diagram illustrating a configuration of a charge / use card charging system according to another exemplary embodiment of the present invention.

In more detail, Figure 7 is made through the charging / using card manufacturing system shown in Figure 2 through the client terminal 140 using the charging card included in the charging / using card sold (or paid) to the customer A non-face-to-face charging / use card charging server 105 is connected to charge the charge amount, and when charging the charge amount, the customer wireless terminal 135 of the customer who purchased (or received) the charge / use card Is set as the use card (or second use card) of the charge / use card, the charge card charged with the charge amount, and payment / financing of the use card (or second use card) associated with the charge card. A charge / use card charging system for activating a transaction function and storing the charge amount information in the storage medium 755 in association with the charge card information, which is common in the art. Those skilled in the art will be able to infer various implementation methods for the charge / use card charging system configuration by referring to and / or modifying this drawing, but the present invention includes all the implementation methods inferred above. However, the technical features are not limited only to the implementation method illustrated in FIG. 7.

For example, in FIG. 7, the customer's wireless terminal of the customer who purchased (or received) the charge / use card in the charge / use card charge request information for the charge in the charging process of the charge / use card of the charge / use card ( 135) by performing the charging and registration of the customer wireless terminal 135 further including the information, the customer wireless terminal 135 of the customer who purchased (or received) the charge / use card of the charge / use card Although it is illustrated and described as being set as a use card (or a second use card), the present invention is not limited thereto, and the customer wireless terminal 135 is used as the use card (or second use) of the charge / use card. Card), the charge / use card charge request information is made through a separate customer wireless terminal 135 registration full, or charge card information of the charge / use card Using the value, it is possible to register the customer wireless terminal 135 online (or wirelessly) with the use card (or second use card) of the charge / use card, and the present invention allows the customer wireless terminal 135 to be used. It will be apparent that all inferred implementation methods for registering as a use card (or a second use card) of the charge / use card are included.

Referring to FIG. 7, the charging / using card charging system is used by a client terminal 140 used by a customer who has purchased (or received) a charging / using card produced through the charging / using card manufacturing system shown in FIG. And, through the charge / use card production system shown in Figure 2 to produce the charge / use card to deliver to the customer who applied for the charge / use card retailer (or merchant) to the charge / use card, Allow the customer to charge the charge amount using the charge card included in the charge / use card through the client terminal 140, and when the charge amount is charged, the customer who purchased (or received) the charge / use card The customer wireless terminal 135 is set as a use card (or second use card) of the charge / use card, a charge card charged with the charge amount, and a use car associated with the charge card. And a charge / use card charging server 105 which activates a payment / financial transaction function of the second use card and stores the charge amount information in the storage medium 755 in association with the charge card information. Characterized in that made.

In FIG. 7, the charge / use card charging server 105 is illustrated as one server for convenience, but this is one embodiment for efficiently describing the technical features of the charge / use card charging server 105 in the present invention. Only, it will be apparent that the charging / using card charging server 105 may be implemented in the form of a system consisting of a plurality of servers for each functional component according to the intention of the person skilled in the art and the method of implementing the charging / using card charging system.

The client terminal 140 uses a Transmission Control Protocol / Internet Protocol (TCP / IP) based wired communication network (eg, an Asymmetric Digital Subscriber Line (ADSL) / Very High-data Rate Digital Subscriber Line (VDSL) or a cable communication network). It comprises at least one wired terminal including a desktop computer or laptop connected to the information registration server through a communication, or a mobile communication terminal connected to a CDMA (Code Division Multiple Access) based mobile communication network, or HSDPA (High Speed) At least one wireless communication terminal connected to a Downlink Packet Access) based wireless communication network, a portable Internet terminal connected to IEEE 802.16x based high speed wireless Internet, or a wireless LAN terminal connected to an IEEE 802.11x based wireless LAN network At least one wireless terminal is included, or the wired or wireless communication network At least one TV device (not shown) including at least one IP-TV or digital TV or DMB capable of bidirectional communication through one communication network is characterized in that it comprises.

According to an embodiment of the present invention, the client terminal 140 includes a charge / use card including card information and charge amount information corresponding to a charge card of the charge / use card from the charge / use card charge server 105. Receives and outputs at least one charging / using card charging interface for inputting (or selecting) charging request information, and charges card information corresponding to the charging card of the charging / using card through the charging / using card charging interface. A function configuration (eg, a browser program and a communication function) for inputting (or selecting) charging / using card charging request information including price information and transmitting the charging / using card charging request information to the charging / using card charging server 105 is provided. Preferably, the charge / use card charge interface is the same as having purchased (or received) the charge / use card. That the customer's wireless terminal 135, a user interface for inputting the client mobile terminal 135, information for setting to use the card (or the second card used) of the charge / A card is further included is preferable.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the client terminal 140 including one or more of the wired terminal, the wireless terminal, or the TV device (not shown). Detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, when the client terminal 140 is a wired terminal, the communication network includes the TCP / IP based wired communication network, and when the client terminal 140 is a wireless terminal, the communication network The CDMA-based (or HSDPA-based) mobile communication network, or IEEE 802.16x-based high-speed wireless Internet, or IEEE 802.11x-based wireless communication network is preferably made of at least one or more.

The charge / use card charging server 105 generates the charge / use card through the charge / use card production system shown in FIG. 2 to be sold (or paid) to a customer, and the client terminal 140 Check the charge / use card including the charge card corresponding to the card information based on the card information included in the charge / use card charge request information received from the device, and charge the charged amount to the checked charge / use card It is characterized by.

According to an embodiment of the present invention, the charge / use card charging server 105 receives the charge / use card charging request information encrypted with the encryption key of the charge / use card charging server 105 from the client terminal 140. It is preferable to check the card information and the charging information included in the charge / use card charge request information by decoding.

As those skilled in the art to which the present invention pertains, the technical features of the client terminal 140 and the charge / use card charging server 105 operating as described above will be familiar with the technical features. More detailed description thereof will be omitted for convenience.

According to the present invention, the charge / use card charging server 105 stores the charge card information and use card information included in the charge / use card produced through the charge / use card manufacturing system shown in FIG. The storage medium 755 in connection with the charge card information and the charge amount information through the charge card, interlocked with a DBMS operating the storage medium 755, or It is preferable to interoperate with a DB server (not shown) provided with a storage medium 755.

Here, the charge card information, the charge card number for the charge card included in the charge / use card produced through the charge / use card manufacturing system shown in Figure 2, the charge card expiration date, the charge attribute code (for example , One charging attribute, repetitive charging attribute, charging channel attribute corresponding to each charging method) and card usage / inactivity information.

The use card information includes a use card number, a use card expiration date, a CVC / CVV value and a use card for a use card included in a charge / use card produced through the charge / use card manufacturing system shown in FIG. It is preferable to include at least one attribute code (eg, payment attribute, financial transaction attribute) and use card activation / deactivation information.

Alternatively, the blank use card information, the use card number, the use card expiration date and the CVC / CVV value is treated as a blank, the use card attribute code (e.g. payment attribute, financial transaction attribute) and use card activation / It is preferable to include inactive information, and preferably to include an information structure for setting the customer wireless terminal 135 information as a use card of the charge / use card.

Preferably, the charge amount information includes an amount charged in the charge / use card through the charge card.

According to an embodiment of the present invention, the charging / use card charging server 105 communicates with the client terminal 140 through the communication network to provide a web interface corresponding to the communication terminal with the client terminal 140. It characterized in that it comprises an interface unit 700 for connecting and managing, whereby the charge / use card charging server 105 is connected to communicate with the client terminal 140 via a wired communication network, or a wireless communication network It has the function of a web server.

According to an embodiment of the present invention, when the client terminal 140 is a wired terminal to which a communication channel is connected through a TCP / IP based wired communication network, the interface unit 700 may connect the client terminal 140 with HTTP ( Connects a communication channel based on a Hyper-Text Transfer Protocol protocol, and transmits a charge / use card charging interface in the form of a Hyper-Text Markup Language (HTML) compatible document to the client terminal 140 through the communication channel. In addition, it is preferable to perform a function of receiving and processing the charge / use card charge request information input (or selected) through the charge / use card charge interface from the client terminal 140.

According to another exemplary embodiment of the present invention, when the client terminal 140 is a wireless terminal to which a communication channel is connected through a CDMA based wireless communication network, the interface unit 700 is connected to the client terminal 140 and a WAP (Wireless). Connect a communication channel based on Application Protocol (ME) or Mobile Explorer (ME) protocol, and charge / use card in WML (Wireless Markup Language) or HTML compatible document form to the client terminal 140 through the communication channel. It is preferable to perform a function of transmitting and outputting an interface and receiving and processing charge / use card charge request information corresponding to the charge / use card charge interface from the client terminal 140.

According to another exemplary embodiment of the present invention, when the client terminal 140 is a wireless terminal to which a communication channel is connected through an IEEE 802.16x based wireless communication network, the interface unit 700 is connected to the client terminal 140. A communication channel is connected based on a wireless protocol corresponding to the IEEE 802.16x standard, a charge / use card charging interface is transmitted to the client terminal 140 through the communication channel, and is output. It is preferable to perform a function of receiving and processing charge / use card charge request information corresponding to the charge / use card charge interface, or the client terminal 140 connects a communication channel through an IEEE 802.11x based wireless communication network. In the case of a wireless terminal, the interface unit 700 corresponds to the client terminal 140 and the IEEE 802.11x standard. Connect a communication channel based on a wireless protocol, and transmit and output a charge / use card charging interface to the client terminal 140 through the communication channel, and from the client terminal 140 to the charge / use card charging interface. It is preferable to perform a function of receiving and processing corresponding charge / use card charge request information.

Referring to FIG. 7, the charge / use card charge server 105 requests a charge / use card charge by connecting a client terminal 140 to the charge / use card charge server 105 through the interface unit 700. When the information registration request, in conjunction with the interface unit 700, the client terminal 140 inputs the charge / use card charge request information including card information and charge amount information corresponding to the charge card of the charge / use card (Or select) an interface providing unit 705 for generating (or extracting) a charging / using card charging interface and transmitting the charge / use card at the client terminal 140 in association with the interface unit 700. And an information receiving unit 710 for receiving charging / using card charging request information which is input (or selected) through a use card charging interface. It shall be.

The interface providing unit 705 has a functional configuration (eg, provided in the client terminal 140 when the client terminal 140 is connected to the charging / using card charging server 105 through the interface unit 700). Charge / use card that can input (or select) charge / use card charge request information to the charge / use card charge server 105 through the communication network in response to a browser program provided in the client terminal 140). Create a charging interface, or extract from a database (not shown), and in connection with the interface unit 700, the generated (or extracted) charging / use card charging interface to the client terminal 140 via the communication network. It is characterized by providing.

According to an embodiment of the present invention, the charging / use card charging interface may use the charge / use card of the customer's wireless terminal 135 that purchased (or received) the charge / use card (or the card). 2) the user interface for inputting the customer wireless terminal 135 information for setting to use) is preferably further included.

Thereafter, the client terminal 140 inputs charge / use card charge request information including card information and charge amount information corresponding to the charge card of the charge / use card based on the charge / use card charge interface (or Select and use the charge / use card to set the customer wireless terminal 135 of the customer who purchased (or received) the charge / use card as the use card (or second use card) of the charge / use card. The customer wireless terminal 135 is further input based on the charging interface.

A customer for including the card information corresponding to the charge card of the charge / use card and charge amount information, and setting the customer wireless terminal 135 as the use card (or second use card) of the charge / use card; When it is confirmed that charging / use card charging request information including wireless terminal 135 information is input (or selected), the client terminal 140 receives the charging / use card inputted (or selected) through the communication network. Charge request information is transmitted to the charge / use card charging server 105.

Those skilled in the art to which the present invention pertains, the charge card of the charge / use card through the at least one form (Form) included in the charge / use card charging interface in the client terminal 140 A technical feature of inputting (or selecting) charging / using card charging request information including card information and charging amount information corresponding to the above, and the charging / using card inputted (or selected) through a communication protocol provided by the communication network. Since it will be familiar with the technical features for transmitting the charge request information to the charge / use card charging server 105, a detailed description thereof will be omitted for convenience.

The information receiver 710 inputs (or selects) charge / use card charge request information from the client terminal 140 through the charge / use card charge interface and transmits the information through the communication network. It is characterized in that for receiving the charge / use card charge request information in conjunction with.

Referring to FIG. 7, the charge / use card charging server 105 may generate card information included in the received charge / use card charge request information through the charge / use card manufacturing system shown in FIG. 2. A card information checking unit 715 for checking whether the card information is included in the charge / use card sold (or paid) to the customer, and the card information matching the charge card information included in the charge / use card. When the charge amount is charged to the charge / use card 720 (or charge / use card charging means), and the history generation unit for generating a charge history including the charge / use card charging results A generation unit 740 for generating charging / use card charging result information including the charging history, and the generated charging / use card charging result information through the communication channel in association with the communication unit; And an information transmitter 745 for transmitting to the client terminal 140. After the charging process, the charge is settled by the card issuer operating the charge / use card. It is characterized by further comprising a portion 750.

When the charge / use card charge request information is received, the card information checking unit 715 checks the card information included in the charge / use card charge request information, and the confirmed card information is shown in FIG. Characterized by checking the card information included in the charge / use card produced by the charge / use card manufacturing system sold to (or paid) to the customer.

When the card information included in the charge / use card charge request information is matched with the charge card information included in the charge / use card by the card information checker 715, the charge processor 720 may determine the storage medium ( 755 to activate the charging function of the confirmed charging card information and the use function of the use card associated with the charging card, and charging the charge amount information stored in association with the charging card information on the storage medium 755. And charge amount information included in the use card charge request information.

When the charge processing procedure of the charge amount through the charge card for the charge amount is completed by the charge processing unit 720, the history generating unit 735 is the charge / use card charging result charged by the charge processing unit 720 Characterized by generating a charge history comprising a.

When the charging history is generated, the generation unit 740 generates charging / use card charging result information including the charging history, and the information transmitting unit 745 is in communication with the communication unit. The generated charging / use card charging result information is transmitted to the client terminal 140 through a channel.

In addition, when the charge for the charge amount is processed by the charge processor 720, the charge settlement unit 750 after the sale (or payment) of the charge / use card, the charge of the charge / use card In response to the charge amount paid by the customer to the card issuer operating the charge / use card settlement processing (for example, depositing from the account of the customer to the card issuer of the card issuer operating the card) do.

Referring to FIG. 7, the charge / use card charging server 105 uses a use card check unit 725 (or use card) to check the information of the customer wireless terminal 135 included in the charge / use card charge request information. Confirmation means) and the use card for setting the customer wireless terminal 135 information to the use card (or second use card) of the charge / use card to store in the storage medium 755 in association with the charge card information It is characterized by comprising a registration unit 730 (or use card registration means).

When the charge for the charge amount is processed by the charge processor 720, the use card confirmation unit 725 is the information item of the customer wireless terminal 135 of the information items included in the charge / use card charge request information It is characterized in that confirming the customer wireless terminal 135 information to be used as a use card of the charge / use card from.

If the customer wireless terminal 135 information is confirmed by the use card verification unit 725, the use card registration unit 730 uses the charge / use card (or the use card of the customer wireless terminal 135) information. Second use card) and store the information on the storage medium 755 in association with the charging card information.

When the customer wireless terminal 135 is set as a use card of the charge / use card according to an embodiment of the present invention, the storage medium 755 stores blank use card information, and the use card registration unit ( 730 preferably stores the customer wireless terminal 135 information in the blank use card information associated with the charging card information.

According to another embodiment of the present invention, the charge / use card is configured with a first use card, and when the customer wireless terminal 135 is set as the second use card of the charge / use card, the use. The card registration unit 730 preferably stores the charge card information and the customer wireless terminal 135 in association with the storage medium 755.

8A and 8B illustrate a charging process of a charge / use card according to another exemplary embodiment of the present invention.

In more detail, FIGS. 8A and 8B are the charge / use shown in FIG. 7 based on the charge / use card manufactured and sold to the customer through the charge / use card manufacturing system shown in FIG. When the client terminal 140 on the card charging system generates charge / use card charging request information and transmits the charge / use card charging server 105 to the charge / use card charging server 105 in a non-face-to-face manner, Recharge / use card Charge request information through the charge / use card to charge the amount of charge to be used through the use of the card, the person of ordinary skill in the art to which the present invention belongs, this figure 8a and 8b While referring to and / or modifying the present invention, it is possible to infer various implementation methods for the charge request process of the charge / use card, but the present invention is directed to all implementations inferred from the above. It becomes to include the place, to which the technical feature that is not limited to the exemplary method shown in the figure 8a and figure 8b.

For example, the customer of the customer who purchased (or received) the charge / use card in the charge / use card charge request for the charge in the process of charging the charge / use card through the charge card of the charge / use card in FIGS. 8a and 8b. By further performing the charging and registration of the customer wireless terminal 135 by further including the wireless terminal 135 information, the customer's wireless terminal 135 of the customer who purchased (or received) the charge / use card is charged / charged. Although it is illustrated and described as being set as a use card (or a second use card) of the use card, the present invention is not limited thereto, and the customer wireless terminal 135 is used as the use card of the charge / use card ( Or a second use card), the charging / use card charge request is made through a separate registration of the customer wireless terminal 135 in addition to the full charge request message, or the charge car of the charge / use card Using the information as a key value, it is possible to register the customer wireless terminal 135 online (or wirelessly) with the use card (or second use card) of the charge / use card, and the present invention provides the customer wireless terminal ( It will be evident that it includes all possible inferred implementation methods for registering 135 as a use card (or a second use card) of the charge / use card.

8A and 8B, when charging through the charge card is confirmed, after activating a payment / financial transaction function of the use card of the charge / use card, the customer wireless terminal 135 information is charged / charged. Although it is illustrated and described as registering as a use card (or a second use card) of the use card, the present invention is not limited thereto, and payment of the use card (or the second use card) of the charge / use card is not limited thereto. Activation of the financial transaction function and registration of the customer wireless terminal 135 information is performed at the same time, or the user wireless terminal 135 information is registered with the use card (or the second use card) of the charge / use card and then the use card It is possible to activate the payment / financial function of the (or second use card), and it is apparent that the present invention includes all the inferred implementation methods.

8A and 8B, the charge / use card charging server 105 on the charge / use card charging system shown in FIG. 7 is referred to as " server " for convenience, and the charge / use card shown in FIG. The client terminal 140 on the charging system is referred to as " terminal " for convenience.

8A and 8B, a terminal on the charge / use card charging system shown in FIG. 7 connects to the server through the communication network and connects a communication channel for charging / use card charging (800).

According to the exemplary embodiment of the present invention, the communication channel connection process may further include at least one process of logging in to the server from the terminal, or registering to the server from the terminal. At [information registrant information] corresponding to the terminal is extracted (or obtained).

If the person skilled in the art to which the present invention pertains, the terminal connects to the server according to a communication protocol corresponding to the communication network through a browser program corresponding to the communication network to charge the charge / use card. Since you will be familiar with the technical features of connecting channels, a detailed description thereof will be omitted for convenience.

When the communication channel for charging / use card charging is connected between the terminal and the server as described above, the terminal requests the charge / use card charging interface for charging the charge / use card to the server through the communication channel. In response, the server includes card information and charge amount information corresponding to the charge card of the charge / use card at the terminal, and uses the charge / use card as a use card (or second use card). Generate (or extract) a charge / use card charge interface comprising a user interface for inputting (or selecting) charge / use card charge request information further comprising customer wireless terminal 135 information to be used (810); The generated (or extracted) charge / use card charging interface is transmitted to the terminal through the communication channel (815).

Thereafter, the terminal charges the card information corresponding to the charge card of the charge / use card through the user interface included in the charge / use card charge interface for inputting (or selecting) the charge / use card charge request information. It is processed so that the charge / use card charge request information is further inputted (or selected), including the price information, and further including information on the customer wireless terminal 135 to be used as the use card (or second use card) of the charge / use card. (820).

If the charging / use card charging request information is input (or selected) in the terminal (825), the terminal transmits the card information and the charging amount corresponding to the charging card of the charging / use card to the server through the communication channel. Transmits the charge / use card charge request information including information, and further includes customer wireless terminal 135 information to be used as a use card (or second use card) of the charge / use card, and correspondingly, the server Receive charge / use card charge request information (z30).

When the charge / use card charge request information is encrypted and transmitted from the client terminal 140 through an encryption key of the card company server according to an exemplary embodiment of the present invention, the server receives the encrypted charge / use card charge request information. It is preferable to decrypt.

Thereafter, the server checks card information and charge information included in the charge / use card charge request information (835), and the confirmed card information is produced through the charge / use card manufacturing system shown in FIG. In operation 840, it matches with the charging card information included in the charging / use card sold (or paid) to the customer.

If the card information does not match the card information included in the charge / use card produced by the charge / use card manufacturing system shown in FIG. 2 and sold (or paid) to the customer (845) ), The server generates charging / use card charging result information including charging error information and transmits the charging / use card charging result information to the terminal (850), and correspondingly, the terminal charge / charge including the charging error information through the communication channel. In operation 855, the card charging result information is received and output.

On the other hand, if the card information is matched with the charge card information of the charge / use card produced through the charge / use card manufacturing system shown in FIG. 2 and sold (or paid) to the customer (845), the server Activate the charging function of the identified charging card information and the use function of the use card associated with the charging card in association with the storage medium 755, and the charge amount stored in association with the charging card information in the storage medium 755. In operation 860, the charge amount information included in the charge / use card charge request information is added to the information.

Thereafter, the server generates a charging history including the charging / using card charging result (865).

Thereafter, the server generates charging / use card charging result information including the charging history and transmits the result to the terminal (870), and correspondingly, the terminal charge / use including the charging history through the communication channel. The card charging result information is received and output (855).

Thereafter, the server checks the customer wireless terminal 135 information to be set as a use card (or a second use card) of the charge / use card from the charge / use card charge request information (875).

If the customer wireless terminal 135 information to be set as the use card (or the second use card) of the charge / use card is requested from the charge / use card charge request information (880), the server is the customer wireless terminal 135 ) Information is set as a use card (or a second use card) of the charge / use card and stored in the storage medium 755 in association with the charge card information (885).

When the customer wireless terminal 135 is set as a use card of the charge / use card according to an embodiment of the present invention, the storage medium 755 stores blank use card information, and the server charges the charge. It is preferable to store the customer wireless terminal 135 information in the blank use card information associated with the card information.

According to another embodiment of the present invention, when the charge / use card has a preset first use card, and the customer wireless terminal 135 is set as the second use card of the charge / use card, the server Preferably, the storage medium 755 stores the charge card information and the customer wireless terminal 135 in association with each other.

9 is a diagram illustrating a configuration of a charge / use card transaction system according to an exemplary embodiment of the present invention.

In more detail, FIG. 9 is manufactured through the charging / using card manufacturing system shown in FIG. 2 and sold (or paid) to a customer, and charged through the charging / using card charging system shown in FIG. 4 or 7. In the charge / use card in which the amount is charged and the customer wireless terminal 135 is registered as a use card of the charge / use card, the customer wireless terminal 135 information, transaction amount information, When transmitting the authorization request message including the merchant information (or charging / use card use target terminal information), the carrier server 125 transmits the authorization request message to the card issuer server 110 operating the charge / use card. For the charge / use card transaction system for relaying and processing payment / financial transactions using the customer wireless terminal 135 as the use card of the charge / use card in the card issuer server 110 As one of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 9 to infer various implementation methods for the charge / use card transaction system configuration. It is made to include all the implementation methods inferred, the technical features are not limited only to the implementation method shown in FIG.

For example, in FIG. 9, the information transmitted from the customer wireless terminal 135 may not be made in a specialized form, but for convenience of terminology with other implementation methods, the information is indicated by marking it as a full text. Technical features of the server-to-server exchange protocol and the specialized structure conversion process according to the specialized exchange protocol are omitted for convenience, but it is apparent that the present invention basically includes the specialized structure conversion according to the specialized exchange protocol.

In addition, in FIG. 9, the customer wireless terminal 135 is illustrated as being set as a use card of the charge / use card. However, the present invention is not limited thereto, and the customer wireless terminal 135 is described above. It may be set as the second use card of the charge / use card, and when the customer wireless terminal 135 is set as the second use card of the charge / use card, the payment / financial transaction through the charge / use card is Use all of the customer wireless terminal 135 registered as the first use card of the charge / use card or the second use card of the charge / use card, or make a payment / financial transaction through the customer wireless terminal 135. When requesting, it is possible to process the payment / financial transactions by replacing the customer wireless terminal 135 with a first use card, the present invention is the customer wireless terminal 135 is the second of the charge / use card Use car Bayida to put out the yirueojim obviously includes all exemplary method is set to.

In addition, although FIG. 9 illustrates the technical features of the charge / use card transaction through the payment transaction through the customer wireless terminal 135 registered as the use card of the charge / use card, the present invention is thereby described. The present invention is not limited thereto, and the transaction through the customer wireless terminal 135 registered as the use card of the charge / use card includes all of the financial transactions through CD / ATM and online payment through a web server such as an internet shopping mall. Characterized in that, but if the person having ordinary knowledge in the technical field to which the present invention belongs, it will be able to infer the configuration of the system for the financial transaction or online payment through payment in this figure 9, in this figure 9 The configuration of the system for the financial transaction or the online payment will be omitted.

Referring to FIG. 9, the charge / use card transaction system includes a customer wireless terminal 135 used by a customer who purchased (or received) the charge / use card, and the charge / use card shown in FIG. 2. Produced through the system and sold (or paid) to the customer, the charge amount is charged through the charge / use card charging system shown in Figure 4 or 7, the customer wireless terminal 135 of the charge / use card The card issuer server 110 operating a charge / use card registered as a use card, and a communication company server 125 relaying and transmitting the entire request for approval transmitted from the customer wireless terminal 135 to the card company operating server. Characterized in that made.

In FIG. 9, the telecommunication company server 125 is also illustrated as a single server for convenience, but this is only an exemplary method for efficiently describing the technical features of the telecommunication company server 125 in the present invention. Obviously, the telecommunication company server 125 may be embodied in the form of a system consisting of a plurality of servers for each function component, or may be spherical in the form of an internal component of the server provided in the telecommunication company according to the use card transaction system implementation method. It is to be revealed.

In addition, in FIG. 9, the card issuer server 110 is illustrated as one server for convenience, but this is only an exemplary method for efficiently describing the technical features of the card issuer server 110 in the present invention. According to the intention of a person skilled in the art and a method of implementing a charge / use card transaction system, the card issuer server 110 may be implemented in a system form consisting of a plurality of servers for each function component, or may be provided in the card issuer. It is clear that it may be spherical in the form of internal components.

The customer wireless terminal 135, transaction information (eg, transaction amount, merchant information (or merchant information) from the merchant terminal 130 (or merchant server 970) requesting the payment / financial transactions through the charge / use card Information regarding charging / use card use terminal information) (e.g., input via a key input means included in the customer wireless terminal 135, received via short-range communication, or a wireless communication network connected to the customer wireless terminal 135). Wireless communication network connected to the customer wireless terminal 135 to receive the full text of the request for approval including the information of the customer wireless terminal 135, transaction value information, and merchant information (or charging / use card use terminal information). Through the transmission, the approval request full text is characterized in that it is received by the carrier server (125).

According to the implementation method of the present invention, the approval request message transmitted by the customer wireless terminal 135 further includes card issuer server 110 information corresponding to the card issuer operating the charge / use card. It is preferable.

The communication company server 125 is provided in a wireless communication network to which a customer wireless terminal 135 registered as a use card of the charge / use card is connected, and the customer wireless terminal 135 and the card issuer server 110 are connected to each other. It is characterized by providing a function for relay connection.

According to the exemplary embodiment of the present invention, the telecommunication company server 125 is provided with the customer wireless terminal 135 information and the subscriber information corresponding to the customer wireless terminal 135 to communicate with each other through the customer wireless terminal 135. It is preferable to control and operate, the card issuing server 110 for the authorization request message transmitted from the customer wireless terminal 135 to use the customer wireless terminal 135 as a use card of the charge / use card ) Or relay the full text of the authorization result transmitted from the card issuer server 110 to the customer wireless terminal 135.

According to the exemplary embodiment of the present invention, the communication company server 125 receives the approval request message encrypted with the encryption key of the communication company from the customer wireless terminal 135, and decrypts the approval request message with the decryption key of the communication company. Read the decrypted authorization request text to confirm the card issuer server 110 to be transmitted to the authorization request message, and encrypts the authorization result text with an encryption key that can be decrypted by the confirmed card issuer server 110 It is preferable to transmit to the card issuer server 110.

The card issuer server 110 pays through the customer wireless terminal 135 registered as a use card of the charge / use card in a card issuer that produces and sells (or pays) the charge / use card to the customer. As a generic term for a server (or device) that processes payment / financial transactions, the card issuer is a card company (or financial company) that issues a conventional payment card, or a separate charge / use card issuer that operates the charge / use card. It is preferable to comprise a.

According to the embodiment of the present invention, the card issuing server 110 receives the full request for approval including the customer wireless terminal 135 information registered as a use card of the charge / use card from the communication company server 125. Reads the authorization request message and reads the customer wireless terminal 135 information registered with the use card of the charge / use card, the charge card information of the charge / use card associated with the customer wireless terminal 135 information, Confirming the charge amount information charged through the charge card, and processing the approval for the transaction amount contained in the full approval request through the charge amount information charged through the charge card.

According to an embodiment of the present invention, the card issuer server 110 receives and decrypts the authorization request message encrypted with the encryption key of the card issuer server 110 from the telecommunication company server 125 and includes the decryption request message. It is preferable to check the customer wireless terminal 135 information, transaction information and merchant information.

Those skilled in the art to which the present invention pertains, the technical characteristics of the customer wireless terminal 135, the carrier server 125 and the card issuer server 110 that operates as described above to familiarize yourself with the technical characteristics Since there will be, a more detailed description thereof will be omitted for convenience.

Referring to FIG. 9, the communication company server 125 may include an interface unit 900 for connecting and managing a communication channel with the customer wireless terminal 135 through a wireless communication network connected to the customer wireless terminal 135; An approval request message receiving unit 905 (or a specialized receiving means) for receiving an approval request message through the communication channel in association with the interface unit 900, and the received approval request message is read to relay the approval request message. A professional relay target confirmation unit 915 (or card verification means) for confirming the card issuer server 110 to be transmitted, and an authorization request specialized transmission unit for transmitting the full text of the authorization request to the confirmed card issuer server 110. 920 (or a professional relay means), an approval result message receiving unit 925 for receiving an approval result message including a transaction history corresponding to the approval request message from the card issuer server 110, and an interface unit ( 900) Linked to the authorization result to the specialized, including transactions characterized in that obtained by having a specialized authorization result transmission unit 910 for transmitting to the client mobile terminal 135 via a communication channel.

The interface unit 900 establishes a communication channel for transmitting and receiving a transaction-related professional communication with the customer wireless terminal 135 through a communication protocol corresponding to a wireless communication network connecting the communication company server 125 and the customer wireless terminal 135. And maintain and manage the communication channel until the specialized transmission and reception is completed.

Transaction information (eg, transaction amount, merchant store) from the merchant terminal 130 (or merchant server 970) requesting payment / financial transaction through the charge / use card in the customer wireless terminal 135 to which the communication channel is connected. Providing information (or terminal information to be used for charging / using card) (for example, input through a key input means provided in the customer wireless terminal 135, received through short-range communication, or connected to the customer wireless terminal 135). Received through a wireless communication network), and the customer wireless terminal 135 accesses the full authorization request message including the customer wireless terminal 135 information, transaction value information, and merchant information (or terminal information on charge / use card use). When transmitting through a wireless communication network, the approval request professional receiving unit 905 is characterized in that for receiving the approval request message from the customer wireless terminal 135 in conjunction with the interface unit 900. .

If the approval request message is encrypted and transmitted from the customer wireless terminal 135 through the encryption key of the communication company, the approval request message receiving unit 905 preferably decrypts the encrypted approval request message.

When the approval request message is received, the specialized relay target confirmation unit 915 reads the approval request message, characterized in that to confirm the card issuer server 110 to be transmitted relaying the approval request message.

When the card issuer server 110 to which the approval request message is relayed is confirmed by the specialized relay target confirmation unit 915, the approval request message transmission unit 920 may issue the card with the communication company server 125. It is characterized in that the transmission of the authorization request to the card issuer server 110 through the communication channel connected between the company server (110).

Subsequently, the card issuer server 110 performs a transaction approval procedure corresponding to the approval request message, and transmits the approval result message including the transaction history corresponding to the approval request message through the communication channel. The approval result full text receiver 925 may receive the full text of the approval result from the card issuer server 110 through the communication channel.

When a transaction corresponding to the full approval request is approved according to an embodiment of the present invention, the transaction details included in the full approval result are included in the customer wireless terminal 135 information regarding the transaction approved recharge / use card. It is preferable to include at least one or more approval date, transaction approval amount, merchant information and transaction approval information.

According to another embodiment of the present invention, if a transaction corresponding to the approval request message is not approved, the transaction details included in the approval result message are the customer wireless terminal 135 information about the charge / use card and the transaction. It is preferable to include at least one error information.

When the approval result message is received from the card issuing server 110, the approval result message transmitting unit 910 is connected to the interface unit 900 and includes the transaction result message through the communication channel. It is characterized in that for transmitting to the customer wireless terminal 135, wherein the interface unit 900 preferably further performs the process of verifying that the approval result is transmitted to the customer wireless terminal 135. Do.

Referring to FIG. 9, the card issuer server 110 may include a communication unit 930 for connecting and managing a communication channel with the communication company server 125 through a communication network (for example, a dedicated communication network), and the communication unit 930. Transaction request professional receiving unit 935 (or a specialized message) for receiving an authorization request message including the customer wireless terminal 135 information and transaction information corresponding to the use card of the charge / use card from the telecommunication company server 125 Receiving means), the charging card information of the charge / use card associated with the customer wireless terminal 135 information included in the full text of the approval request, and the information confirmation unit for confirming the charge amount information charged through the charge card (945) (Or information confirmation means) and the transaction amount (= the authorization) through the customer wireless terminal 135 corresponding to the use card of the charge / use card through the charge amount information charged through the charge / use card of the charge / use card. On request A transaction approval processing unit 950 (or transaction approval processing means) for processing transaction approval for the transaction amount included) and a full text of an approval result including transaction details corresponding to the transaction approval processing to the telecommunication company server 125. It is characterized in that the transaction is provided with a specialized transmission unit 940 (or specialized transmission means).

The communication unit 930 connects a communication channel for transceiving a professional transaction with the communication company server 125 through a communication protocol corresponding to the communication network connecting the card issuer server 110 and the communication company server 125. It features.

When the communication server server 125 transmits the approval request message through the communication channel, the transaction request message receiving unit 935 corresponds to a customer wireless terminal corresponding to the use card of the charge / use card from the communication company server 125. (135) It is characterized in that for receiving the full text of the approval request including information and transaction information.

If the approval request message is encrypted and transmitted from the communication company server 125 through the encryption key of the card company server, the receiver preferably decrypts the encrypted approval request message.

When the approval request message including the transaction information and the customer wireless terminal 135 corresponding to the use card of the charge / use card is received through the transaction request message receiving unit 935, the information checking unit 945 Characterized in that confirming the customer wireless terminal 135 information included in the full approval request.

According to another embodiment of the present invention, when the customer wireless terminal 135 is registered as the second use card of the charge / use card, the information checking unit 945 is associated with the information of the customer wireless terminal 135. It is possible to further confirm the first use card information, in which case it will be apparent that the transaction amount requested through the customer wireless terminal 135 can be authorized for the transaction through the first use card.

When the customer wireless terminal 135 information corresponding to the use card of the charge / use card is confirmed, the information confirming unit 945 is connected to the storage medium 965 and the charge associated with the customer wireless terminal 135 information. Check the charge card information of the / use card, and check the charge amount information charged through the charge card.

According to the method of the present invention, the information checking unit 945 is activated in connection with the storage medium 965, the customer wireless terminal 135 information and the charge card information corresponding to the use card of the charge / use card is activated It is preferable to further include checking whether there is.

When the charge amount information charged through the charge card associated with the customer wireless terminal 135 information corresponding to the use card of the charge / use card through the information confirmation unit 945 is confirmed, the transaction approval processing unit 950 Is a transaction amount (= transaction amount included in the authorization request text) through the customer wireless terminal 135 corresponding to the use card of the charge / use card through the charge amount information charged through the charge card of the charge / use card. Characterized in that the transaction approval for.

According to the implementation method of the present invention, the transaction approval processing unit 950 is a transaction amount (= transaction amount included in the full approval request) through the customer wireless terminal 135 corresponding to the use card of the charge / use card and the Compare the charge amount charged through the charge card of the charge / use card, and if the charge amount is greater than the transaction amount, approve the transaction through the customer wireless terminal 135 registered as the use card of the charge / use card. On the contrary, if the recharge amount is greater than the transaction amount, the transaction through the customer wireless terminal 135 registered as a use card of the recharge / use card is error-processed.

Through the charge amount information charged through the charge card of the charge / use card to the transaction amount (= transaction amount included in the full approval request) through the customer wireless terminal 135 corresponding to the use card of the charge / use card If the transaction is approved, the transaction approval processing unit 950 may subtract the approved amount from the charged amount charged through the charge card in association with the storage medium 965.

The transaction amount (= the approval) through the customer wireless terminal 135 corresponding to the use card of the charge / use card through the charge amount information charged through the charge card of the charge / use card through the transaction approval processing unit 950. When the transaction for the transaction amount included in the request message is processed, the transaction result transmission unit 940 generates a transaction history including any one of transaction approval information or transaction error information corresponding to the transaction approval process. And generating a full text of the approval result including the transaction details and transmitting the full text of the approval result to the telecommunication company server 125 through the communication network, and the telecommunication company server 125 transmits the full text of the approval result to the customer wireless terminal 135. Characterized in that delivered to.

Referring to FIG. 9, the card issuing server 110 transmits the approval result message including the transaction approval information to the customer wireless terminal 135 through the communication company server 125 and then the transaction approval. The document purchase information generation unit 955 (or the document purchase information generation), which generates document purchase information for purchasing a document for a transaction amount authorized through the use card of the charge / use card based on the transaction history including the information. Means) and a slip purchase processing unit 960 (or slip purchase processing means) for purchasing the slip for the transaction amount approved through the use card of the charge / use card.

After the approval result text including the transaction approval information is transferred to the customer wireless terminal 135 through the communication company server 125 through the transaction result transmission unit 940, the slip purchase information generation unit ( 955 generates slip purchase information for purchasing a slip for an approved transaction amount using the customer wireless terminal 135 as a use card of the charge / use card based on the transaction history including the transaction approval information. Characterized in that.

Here, the slip purchase information is preferably made of the settlement information for the settlement of the approved transaction amount to the affiliated store using the customer wireless terminal 135 as the use card of the charge / use card.

The voucher purchase processing unit 960 passes a certain period of time after the transaction through the customer wireless terminal 135 registered as the use card of the charge / use card is approved, or the charge / use card from the communication company server 125. When the purchase of a slip for the approved transaction amount through the customer wireless terminal 135 registered as a use card is requested, the slip for the approved transaction amount is purchased through the use card of the charge / use card.

FIG. 10 is a diagram illustrating a transaction request process between a customer wireless terminal 135 and a communication company server 125 according to an exemplary embodiment of the present invention.

In more detail, in FIG. 10, when the customer's wireless terminal 135 on the charge / use card transaction system shown in FIG. 9 generates an authorization request message and transmits it to the telecommunication company server 125, the telecommunication company server 125 The process of checking the card issuer server 110 for the full approval request and showing the process of relaying the full approval request to the card issuer server 110 is illustrated. If the person having the present invention can refer to and / or modify this figure 10 to infer various implementation methods for the transaction request process between the customer wireless terminal 135 and the carrier server 125, the present invention is inferred It is made including all implementation methods, the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 10, the customer wireless terminal 135 on the charge / use card transaction system illustrated in FIG. 9 may receive transaction information (eg, transaction amount and merchant information) from an affiliate terminal 130 (or an affiliate server 970). (Or charging / use card use target terminal information) (for example, input through a key input means provided in the customer wireless terminal 135, received via short-range communication, or wirelessly connected to the customer wireless terminal 135). Received through a communication network (1000), and generates a full approval request message including the customer wireless terminal 135 information and transaction information (1005).

According to an embodiment of the present invention, the approval request text may further include information on a card issuer server 110 that has received the approval request text, and may be affiliated with the card issuer in the communication server server 125. , A professional relay alliance between the carrier and the card issuer, or when the customer wireless terminal 135 information and the card issuer server 110 are stored in association with the carrier, the card issuer server 110 may be omitted. Do.

Thereafter, the customer wireless terminal 135 connects a communication channel for professional transmission and reception with the telecommunication company server 125 through the wireless communication network (1010).

If the communication channel is connected (1015), the customer wireless terminal 135 transmits the full text of the approval request to the communication company server 125 through the communication channel (1020), and correspondingly the communication company server 125 ) Receives the full text of the authorization request transmitted from the customer wireless terminal 135 through the communication channel (1025).

According to an embodiment of the present invention, when the approval request message is encrypted and transmitted in the customer wireless terminal 135 through the encryption key of the carrier, the service provider server 125 decrypts the encrypted approval request message. It is preferable.

Thereafter, the communication company server 125 reads the approval request message and confirms the card issuer server 110 to relay the approval request message (1030).

If the card issuer server 110 to transmit the authorization request message is confirmed (1035), the communication company server 125 relays the approval result message to the confirmed card issuer server 110 ( 1040).

11 is a diagram illustrating a transaction process of using a customer wireless terminal 135 according to an embodiment of the present invention as a use card of a charge / use card.

More specifically, FIG. 11 shows a card issuer server 110 on the charge / use card transaction system shown in FIG. 9 through a transaction request process between the customer wireless terminal 135 and the communication server 125 shown in FIG. Receiving the full request for approval including the customer wireless terminal 135 information corresponding to the use card of the charge / use card, the card issuing server 110 to charge through the charge card of the charge / use card 11 illustrates a process of processing a transaction approval for a transaction amount requested through a use card of the charge / use card based on the charged amount, and a person having ordinary knowledge in the technical field to which the present invention belongs, FIG. By referring to and / or modified may be inferred from the various implementation methods for the transaction process using the customer wireless terminal 135 as a charge / use card of the card, the present invention is It is made to include all the inferred implementation method, the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 11, the customer wireless terminal 135 and the telecommunication company server 125 shown in FIG. 10 are made through the charge / use card manufacturing system shown in FIG. Or payment), the charge amount is charged through the charge / use card charging system shown in FIG. 4 or 7, and the customer wireless terminal 135 of the customer who purchased (or received) the charge / use card is charged. Issuance of a card on the charge / use card transaction system shown in FIG. When received by the company server 110, the card issuer server 110 wins the customer wireless terminal 135 information corresponding to the use card of the charge / use card from the communication company server 125 through a communication network Receive the full request message (1100), and reads the approval request full text to check the customer wireless terminal 135 information corresponding to the use card of the charge / use card (1105).

If the customer wireless terminal 135 information corresponding to the use card of the charge / use card is not read by reading the approval request message (1110), the card issuer server 110 receives the approval including transaction error information. The full text of the result is generated and transmitted to the telecommunication company server 125 (1115), and the telecommunication company server 125 transmits the full text of the approval result to the customer wireless terminal 135 through a communication channel connected to the customer wireless terminal 135. And output (1130).

On the other hand, when the customer wireless terminal 135 information corresponding to the use card of the charge / use card is read by reading the approval request message (1110), the card issuer server 110 is associated with the storage medium 965. By checking whether the use card of the charge / use card corresponding to the customer wireless terminal 135 information is activated (1135).

If the use card of the charge / use card is not activated (1140), the card issuer server 110 generates a full text of the authorization result including the transaction error information and transmits it to the communication company server 125 (1115). The communication company server 125 transmits the full text of the approval result to the customer wireless terminal 135 through a communication channel connected with the customer wireless terminal 135 and outputs the complete authorization result (1130).

On the other hand, if the use card of the charge / use card corresponding to the customer wireless terminal 135 information is activated (1140), the card issuing server 110 is connected to the storage medium 965 the customer wireless terminal ( In step 1145, the charging card information associated with the information and the charging amount information charged through the charging card are checked.

If the charge card information associated with the customer wireless terminal 135 information and the charge amount information charged through the charge card is not confirmed (1150), the card issuer server 110 is authorized to include transaction error information The full text of the result is generated and transmitted to the telecommunication company server 125 (1115), and the telecommunication company server 125 transmits the full text of the approval result to the customer wireless terminal 135 through a communication channel connected to the customer wireless terminal 135. And output (1130).

On the other hand, when the charge card information associated with the customer wireless terminal 135 information and the charge amount information charged through the charge card is confirmed (1150), the card issuer server 110 is the charge card of the charge / use card The transaction approval for the transaction amount (= transaction amount included in the authorization request text) through the customer wireless terminal 135 corresponding to the use card of the charge / use card is charged through the charge amount information charged through ( 1155).

According to the implementation method of the present invention, the card issuer server 110 is a transaction amount (= transaction amount included in the full approval request) through the customer wireless terminal 135 corresponding to the use card of the charge / use card. And a charge amount charged through the charge card of the charge / use card, and if the charge amount is larger than the transaction amount, approve the transaction through the use card of the charge / use card, and vice versa If it is larger than the transaction amount, it is preferable to process an error through the use card of the charge / use card.

If the transaction for the transaction amount is not approved through the customer wireless terminal 135 corresponding to the use card of the charge / use card (1160), the card issuer server 110 receives an approval result including transaction error information. Generates a full text message and transmits it to the telecommunication company server 125 (1115), and the telecommunication company server 125 transmits the approval result text to the customer wireless terminal 135 through a communication channel connected with the customer wireless terminal 135. Output 1130.

On the other hand, if a transaction for the transaction amount is approved through the customer wireless terminal 135 corresponding to the use card of the charge / use card (1160), the card issuer server 110 is connected with the storage medium 965 Authorization including the transaction approval information corresponding to the transaction approval processing by subtracting the transaction amount authorized through the use card of the charge / use card from the charge amount charged through the charge card of the charge / use card (1165). Generates the full text of the result and transmits it to the telecommunication company server 125 (1170). The telecommunication company server 125 transmits the full text of the approval result to the customer wireless terminal 135 through a communication channel connected to the customer wireless terminal 135. Transmit and output (1130).

12 is a diagram illustrating a purchase process for a transaction using a customer wireless terminal 135 as a use card of a charge / use card according to an exemplary embodiment of the present invention.

In more detail, FIG. 12 illustrates a customer wireless terminal 135 corresponding to a use card of a charge / use card through a transaction process using the customer wireless terminal 135 shown in FIG. 11 as a use card of a charge / use card. After the transaction is processed through, the card issuer server 110 on the charge / use card transaction system shown in Figure 9 illustrates the process of purchasing the slip for the use card transaction, the present invention belongs to For those of ordinary skill in the art, various implementation methods for the voucher purchase process for a transaction using the customer wireless terminal 135 as a charge / use card by referring to and / or modifying this drawing 12 will be described. It may be inferred, but the present invention includes all the inferred implementation methods, and the technical features are not limited to the implementation method illustrated in FIG.

For example, in FIG. 12, the card issuer server 110 that processes the transaction process using the customer wireless terminal 135 shown in FIG. The present invention is not limited to this, but the present invention is not limited thereto, and it is possible to perform a check purchase and request process on the bansa server 120 provided with the full approval result according to the intention of the person skilled in the art. It will be apparent that the invention is made including the process of checking and requesting the purchase of the bansa server 120.

Referring to FIG. 12, the customer wireless terminal 135 corresponding to the use / use card of the charge / use card is exchanged through a transaction process using the customer wireless terminal 135 shown in FIG. 11 as the use card of the charge / use card. After the transaction is processed, the card issuer server 110 checks whether the purchase of the slip for the transaction approval through the customer wireless terminal 135 corresponding to the use card of the charge / use card (1200).

According to the exemplary embodiment of the present invention, the card issuer server 110 receives the charge / use card when a predetermined period has elapsed after the transaction approval through the customer wireless terminal 135 corresponding to the use card of the charge / use card. It is preferable to confirm by purchasing a slip for the transaction approval through the customer wireless terminal 135 corresponding to the use of the card.

According to the method of the present invention, the card issuer server 110 checks whether the slip is inserted in place of the card issuer server 110 and then uses the card of the charge / use card to the card issuer server 110. It is also possible to request the purchase of a slip for the transaction approval through the corresponding customer wireless terminal 135, and the present invention may include a slip purchase request from the bansa server 120.

If the purchase of the slip for the transaction approval through the customer wireless terminal 135 corresponding to the use card of the charge / use card is confirmed (1205), the card issuer server 110 is connected to the customer wireless device shown in FIG. Document purchase for transaction approval through the customer wireless terminal 135 corresponding to the use card of the charge / use card based on the transaction history generated in the transaction process using the terminal 135 as the use card of the charge / use card Generate information (1210).

Here, the slip purchase information is preferably made of the settlement information for the settlement of the approved transaction amount to the affiliated store using the customer wireless terminal 135 as the use card of the charge / use card.

Thereafter, the card issuing server 110 according to the pre-purchase procedure for the purchase of the transaction approval through the customer wireless terminal 135 corresponding to the use card of the charge / use card based on the purchase information of the slip. Purchase (1215).

Those skilled in the art to which the present invention pertains, because they will be familiar with the document purchase procedure, detailed description thereof will be omitted for convenience.

If the document corresponding to the transaction approval through the customer wireless terminal 135 corresponding to the use card of the charge / use card is purchased in accordance with the affiliated document purchase procedure (1220), the card issuer server 110 may be used. In operation 1225, the slip purchase result of the transaction approval through the customer wireless terminal 135 corresponding to the use card of the charge / use card is stored.

FIG. 13 is a diagram illustrating a configuration of a charge / use card transaction system according to another exemplary embodiment of the present invention.

In more detail, FIG. 13 is manufactured through the charging / using card manufacturing system shown in FIG. 2 and sold (or paid) to a customer, and charged through the charging / using card charging system shown in FIG. 4 or 7. In the charge / use card in which the amount is charged and the customer wireless terminal 135 is registered as a use card of the charge / use card, the customer wireless terminal 135 information, transaction amount information, When the authorization request message including the merchant information (or charging / use card use target terminal information) is transmitted, the communication request server relays the authorization request message to the bansa server 120 and the bansa server 120 Relay to the card issuer server 110 that operates the charge / use card, and the card issuer server 110 uses the customer wireless terminal 135 as a use card of the charge / use card to make payment / finance The present invention relates to a charge / use card transaction system for processing a bill, and those skilled in the art to which the present invention pertains may refer to FIG. 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.

For example, those skilled in the art to which the present invention pertains may refer to FIG. 13 and / or modify the FIG. 13 through the bansa server 120 in the merchant terminal 130 instead of the customer wireless terminal 135. If the card issuer server 110 transmits the authorization request message including the customer wireless terminal 135 information, transaction amount information, and merchant information (or charging / use card use target terminal information), the bansa server 120 In the card issuer server 110 that operates the charge / use card, and the card issuer server 110 using the customer wireless terminal 135 as a charge / use card of the payment card payment It will be possible to infer a charge / use card transaction system for processing / financial transactions, it will be apparent that the present invention comprises a charge / use card transaction system configuration using the merchant terminal 130 The.

In addition, the information transmitted from the customer wireless terminal 135 in this Figure 13 may not be made in a specialized form, but for convenience of terminology and other unified methods described in the text as described for convenience, each of the above described in Figure 13 Technical features of the server-to-server exchange protocol and the specialized structure conversion process according to the specialized exchange protocol are omitted for convenience, but it is apparent that the present invention basically includes the specialized structure conversion according to the specialized exchange protocol.

In addition, in FIG. 13, the customer wireless terminal 135 is illustrated as being set as a use card of the charge / use card. However, the present invention is not limited thereto, and the customer wireless terminal 135 is described above. It may be set as the second use card of the charge / use card, and when the customer wireless terminal 135 is set as the second use card of the charge / use card, the payment / financial transaction through the charge / use card is Use all of the customer wireless terminal 135 registered as the first use card of the charge / use card or the second use card of the charge / use card, or make a payment / financial transaction through the customer wireless terminal 135. When requesting, it is possible to process the payment / financial transactions by replacing the customer wireless terminal 135 with a first use card, the present invention is the customer wireless terminal 135 is the second of the charge / use card Use car Including all exemplary method is set to keep bayida made out clearly eojim.

In addition, although FIG. 13 illustrates the technical features of the charge / use card transaction through the payment transaction through the customer wireless terminal 135 registered as the use card of the charge / use card, the present invention is thereby described. The present invention is not limited thereto, and the transaction through the customer wireless terminal 135 registered as the use card of the charge / use card includes all of the financial transactions through CD / ATM and online payment through a web server such as an internet shopping mall. It is characterized in that, but if the person of ordinary skill in the art to which the present invention belongs, it will be able to infer the system configuration for the financial transaction or online payment through payment in this figure 13, in this figure 13 The configuration of the system for the financial transaction or the online payment will be omitted.

Referring to FIG. 13, the charge / use card transaction system includes a customer wireless terminal 135 used by a customer who has purchased (or received) the charge / use card, and the charge / use card shown in FIG. 2. Produced through the system and sold (or paid) to the customer, the charge amount is charged through the charge / use card charging system shown in Figure 4 or 7, the customer wireless terminal 135 of the charge / use card A card issuer server 110 operating a charge / use card registered as a use card, a communication company server 125 relaying the customer wireless terminal 135 and the bansa server 120, and the communication company server 125 Characterized in that it comprises a bansa server 120 for relaying the transmission of the request for approval from the professional to the professional relay target.

In FIG. 13, the telecommunication company server 125 is also illustrated as one server for convenience, but this is only an exemplary method for efficiently describing the technical features of the telecommunication company server 125 in the present invention, and the intention and charge / Obviously, the telecommunication company server 125 may be embodied in the form of a system consisting of a plurality of servers for each function component, or may be spherical in the form of an internal component of the server provided in the telecommunication company according to the use card transaction system implementation method. It is to be revealed.

In addition, the bansa server 120 is also shown as one server for convenience, but this is only one embodiment for efficiently explaining the technical features of the bansa server 120 in the present invention, the intention and charge / use card of those skilled in the art According to the trading system implementation method, the bansa server 120 may be embodied in the form of a system consisting of a plurality of servers for each functional component or may be spherical in the form of internal components of the server provided in the bansa It is.

In addition, although the card issuer server 110 is illustrated as one server in FIG. 13 for convenience, this is merely one implementation method for efficiently describing the technical features of the card issuer server 110 in the present invention. According to the intention of the person skilled in the art and the method of implementing a charge / use card transaction system, the card issuer server 110 may be implemented in the form of a system consisting of a plurality of servers for each function component, or may be provided in the card issuing server. It is clear that it may be spherical in component form.

The customer wireless terminal 135, the merchant information from the merchant terminal 130 (or merchant server 1385) for requesting payment / financial transactions through the charge / use card (for example, transaction amount, merchant information (or Information regarding charging / use card use terminal information) (e.g., input via a key input means included in the customer wireless terminal 135, received via short-range communication, or a wireless communication network connected to the customer wireless terminal 135). Wireless communication network connected to the customer wireless terminal 135 to receive the full text of the request for approval including the information of the customer wireless terminal 135, transaction value information, and merchant information (or charging / use card use terminal information). Through the transmission, the approval request full text is characterized in that it is received by the carrier server (125).

According to the implementation method of the present invention, the approval request message transmitted by the customer wireless terminal 135 further includes card issuer server 110 information corresponding to the card issuer operating the charge / use card. It is preferable.

The communication company server 125 is provided in a wireless communication network to which a customer wireless terminal 135 registered as a use card of the charge / use card is connected, and the customer wireless terminal 135 and the card issuer server 110 are connected to each other. It is characterized by providing a function for relay connection.

According to the exemplary embodiment of the present invention, the telecommunication company server 125 is provided with the customer wireless terminal 135 information and the subscriber information corresponding to the customer wireless terminal 135 to communicate with each other through the customer wireless terminal 135. It is preferable to control and operate, the full text of the authorization request sent from the customer wireless terminal 135 to use the customer wireless terminal 135 as the use card of the charge / use card to the bansa server 120 It is preferable to relay or relay the full text of the approval result transmitted from the bansa server 120 to the customer wireless terminal 135.

The bansa server 120 connects a communication channel with the telecommunication company server 125 through a telecommunication network, and uses one or more card issuers through a dedicated telecommunication network including at least one x.25 based communication network and an encryption / decryption based communication network. By connecting the communication channel with the server 110 is characterized in that the communication between the carrier server 125 and the card issuer server 110.

According to the method of the present invention, when the customer wireless terminal 135 information included in the full approval request is registered as a use card of the charge / use card, the bansa server 120 from the customer wireless terminal 135 It is preferable to relay the transmitted authorization request message to the card issuer server 110.

According to the implementation method shown in FIG. 13, the bansa server 120 preferably stores information on the customer wireless terminal 135 registered as a use card of the charge / use card in a database.

According to the method of the present invention, the bansa server 120 receives the approval request message encrypted with the bansa encryption key from the customer wireless terminal 135, and decrypts the approval request message with bansa decryption key, the Read the decrypted authorization request text to confirm the card issuer server 110 to be transmitted to the authorization request message, and encrypts the authorization result text with an encryption key that can be decrypted by the confirmed card issuer server 110 It is preferable to transmit to the card issuer server 110.

The card issuer server 110 pays through the customer wireless terminal 135 registered as a use card of the charge / use card in a card issuer that produces and sells (or pays) the charge / use card to the customer. As a generic term for a server (or device) that processes payment / financial transactions, the card issuer is a card company (or financial company) that issues a conventional payment card, or a separate charge / use card issuer that operates the charge / use card. It is preferable to comprise a.

According to the embodiment of the present invention, the card issuing server 110 is a request for approval including the customer wireless terminal 135 information registered as a use card of the charge / use card from the Bansa server 120 When received, the authorization request message is read and the customer wireless terminal 135 information registered with the use card of the charge / use card, the charge card information of the charge / use card associated with the customer wireless terminal 135 information, Confirming the charging amount information charged through the charging card, and processing the approval of the transaction amount included in the approval request message through the charging amount information charged through the charging card.

According to the embodiment of the present invention, the card issuer server 110 receives the decryption request message encrypted with the encryption key of the card issuer server 110 from the bansa server 120 and decrypts it to be included in the approval request message. It is preferable to check the customer wireless terminal 135 information, transaction information and merchant information.

Those skilled in the art to which the present invention pertains, the technical characteristics of the customer wireless terminal 135, the bansa server 120 and the card issuer server 110 that operates as described above to familiarize yourself with the technical characteristics Since there will be, a more detailed description thereof will be omitted for convenience.

Referring to FIG. 13, the telecommunication company server 125 may include a wireless communication unit 1300 for connecting and managing a communication channel with the customer wireless terminal 135 through a wireless communication network connected to the customer wireless terminal 135. Receiving an approval request message through the communication channel in connection with the wireless communication unit 1300, relaying the received approval request message to the bansa server 120, and receives the approval result message from the bansa server 120 And a professional relay unit 1310 for relaying the received approval result message to the customer wireless terminal 135, and a bansa server for checking the bansa server 120 to relay the approval request message. It is characterized by further comprising a confirmation unit 1305.

The wireless communication unit 1300 establishes a communication channel for transmitting and receiving a transaction-related professional communication with the customer wireless terminal 135 through a communication protocol corresponding to a wireless communication network connecting the telecommunication company server 125 and the customer wireless terminal 135. And maintain and manage the communication channel until the specialized transmission and reception is completed.

Transaction information (eg, transaction amount, merchant store) from the merchant terminal 130 (or merchant server 1385) requesting payment / financial transaction through the charge / use card in the customer wireless terminal 135 to which the communication channel is connected. Providing information (or terminal information to be used for charging / using card) (for example, input through a key input means provided in the customer wireless terminal 135, received through short-range communication, or connected to the customer wireless terminal 135). Received through a wireless communication network), and the customer wireless terminal 135 accesses the full authorization request message including the customer wireless terminal 135 information, transaction value information, and merchant information (or terminal information on charge / use card use). When transmitting through a wireless communication network, the specialized relay unit 1310 is characterized in that for receiving the approval request message from the customer wireless terminal 135 in conjunction with the wireless communication unit 1300.

If the approval request telegram is encrypted and transmitted from the customer wireless terminal 135 through the encryption key of the telecommunication company, the specialized relay unit 1310 preferably decrypts the encrypted approval request telegram.

Subsequently, the bansa checker 1305 checks the bansa server 120 to relay the full approval request, and when the bansa server 120 is confirmed, the professional relay unit 1310 reads the full approval request. It characterized in that the relay transmission to the bansa server (120).

Thereafter, the professional relay unit 1310 receives the approval result text corresponding to the approval request text from the bansa server 120, and relays the received approval result text to the customer wireless terminal 135. It features.

According to the present invention, the bansa server 120 is a card company BIN D / B for storing the BIN information for the domestic card issued by a domestic card company or financial company and the card company (or financial company) server information corresponding to the BIN information It is characterized by including (not shown).

According to an embodiment of the present invention, the bansa server 120 issues the card information of the customer wireless terminal 135 registered as a use card of the charge / use card to the card company BIN D / B (or a separate database). It is preferable to store in association with the four server 110 information.

Referring to FIG. 13, the bansa server 120 includes an interface unit 1315 for connecting and managing a communication channel with the communication company server 125 through a communication network, and the communication channel in connection with the interface unit 1315. Specialized to check the card issuer server 110 to send the approval request professional receiving unit 1320 (or a professional receiving means) for receiving the full text of the approval request, and the transmission of the request for approval by reading the received approval request message. A relay target confirmation unit 1330 (or card confirmation means), an authorization request message transmission unit 1335 (or specialized relay means) for transmitting the full message of the authorization request to the confirmed card issuer server 110, and The approval result message receiving unit 1340 for receiving an authorization result message including a transaction history corresponding to the approval request message from the card issuer server 110 and the interface unit 1315 are connected to each other through the communication channel. And the authorization result professional including a history characterized in that obtained by having a specialized authorization result transmission unit 1325 for transmitting to the client mobile terminal 135. The

The interface unit 1315 connects a communication channel for transceiving a professional transaction with the telecommunication company server 125 through a communication protocol corresponding to the communication network connecting the bansa server 120 and the telecommunication company server 125, Maintaining and managing the communication channel until the specialized transmission and reception is completed.

When the communication channel is connected to the communication server server 125 relays the approval request message transmitted from the customer wireless terminal 135, the approval request message receiving unit 1320 is connected to the interface unit 1315, the communication company server ( 125) characterized in that for receiving the full text of the approval request.

If the approval request message is encrypted and transmitted from the communication company server 125 through the bansa encryption key, the approval request message receiving unit 1320 preferably decrypts the encrypted approval request message.

When the approval request message is received, the specialized relay target confirmation unit 1330 may read the approval request message and confirm the card issuer server 110 to which the approval request message is to be relayed.

According to another embodiment of the present invention, the charge / use card includes a first use card to which a separate BIN is allocated, and when the payment / financial transaction is processed through the first use card, the specialized relay target confirmation unit ( 1330 may read the BIN information of the first use card of the charge / use card to check the card issuer server 110 with the card issuer server 110.

When the card issuer server 110 to which the authorization request message is to be relayed is confirmed by the specialized relay target confirmation unit 1330, the authorization request message transmission unit 1335 may issue the card with the bansa server 120. It is characterized in that the transmission of the authorization request to the card issuer server 110 through the communication channel connected between the company server (110).

Subsequently, the card issuer server 110 performs a transaction approval procedure corresponding to the approval request message, and transmits the approval result message including the transaction history corresponding to the approval request message through the communication channel. The approval result full text receiver 1340 may receive the full text of the approval result from the card issuer server 110 through the communication channel.

When a transaction corresponding to the full approval request is approved according to an embodiment of the present invention, the transaction details included in the full approval result are included in the customer wireless terminal 135 information regarding the transaction approved recharge / use card. It is preferable to include at least one or more approval date, transaction approval amount, merchant information and transaction approval information.

According to another embodiment of the present invention, if a transaction corresponding to the approval request message is not approved, the transaction details included in the approval result message are the customer wireless terminal 135 information about the charge / use card and the transaction. It is preferable to include at least one error information.

When the approval result message is received from the card issuer server 110, the approval result message transmitting unit 1325 may include the transaction result message including the transaction history through the communication channel in association with the interface unit 1315. It is characterized in that for transmitting to the customer wireless terminal 135, wherein the interface unit 1315 preferably further performs the process of verifying that the approval result is transmitted to the customer wireless terminal 135. Do.

Referring to FIG. 13, the card issuer server 110 includes a communication unit 1345 for connecting and managing a communication channel with the bansa server 120 through a communication network (eg, a dedicated communication network), and the communication unit 1345. Transaction request professional receiving unit 1350 (or specialized) for receiving the authorization request message containing the customer wireless terminal 135 information and transaction information corresponding to the use card of the charge / use card from the bansa server 120 Receiving means), the charging card information of the charge / use card associated with the information of the customer wireless terminal 135 included in the full text of the approval request, and the information checking unit 1360 to check the charge amount information charged through the charge card (Or information confirmation means) and the transaction amount (= the authorization) through the customer wireless terminal 135 corresponding to the use card of the charge / use card through the charge amount information charged through the charge / use card of the charge / use card. On request The transaction approval processing unit 1365 (or transaction approval processing means) for processing the transaction approval for the transaction amount included) and the full text of the approval result including the transaction details corresponding to the transaction approval processing to the bansa server 120. It is characterized in that the transaction is sent to the specialized transmission unit 1355 (or specialized transmission means).

The communication unit 1345 connects the communication channel for professional transmission / reception with the bansa server 120 through a communication protocol corresponding to the communication network connecting the card issuer server 110 and the bansa server 120. It features.

When the bansa server 120 transmits the approval request message through the communication channel, the transaction request message receiving unit 1350 is a customer wireless terminal corresponding to the use card of the charge / use card from the bansa server 120 (135) It is characterized in that for receiving the full text of the approval request including information and transaction information.

If the approval request message is encrypted and transmitted from the bansa server 120 through the encryption key of the card company server, the receiving unit preferably decrypts the encrypted approval request message.

When the approval request message including the transaction information and the customer wireless terminal 135 corresponding to the use card of the charge / use card is received through the transaction request message receiving unit 1350, the information checking unit 1360 Characterized in that confirming the customer wireless terminal 135 information included in the full approval request.

According to another embodiment of the present invention, when the customer wireless terminal 135 is registered as the second use card of the charge / use card, the information checking unit 1360 is associated with the information of the customer wireless terminal 135. It is possible to further confirm the first use card information, in which case it will be apparent that the transaction amount requested through the customer wireless terminal 135 can be authorized for the transaction through the first use card.

When the customer wireless terminal 135 information corresponding to the use card of the charge / use card is confirmed, the information confirming unit 1360 is connected to the storage medium 1380 and the charge associated with the customer wireless terminal 135 information. Check the charge card information of the / use card, and check the charge amount information charged through the charge card.

According to the exemplary embodiment of the present invention, the information checking unit 1360 is activated with the customer wireless terminal 135 information and the charge card information corresponding to the use card of the charge / use card in association with the storage medium 1380. It is preferable to further include checking whether there is.

When the charge amount information charged through the charge card associated with the customer wireless terminal 135 information corresponding to the use card of the charge / use card through the information check unit 1360 is confirmed, the transaction approval processing unit 1365 Is a transaction amount (= transaction amount included in the authorization request text) through the customer wireless terminal 135 corresponding to the use card of the charge / use card through the charge amount information charged through the charge card of the charge / use card. Characterized in that the transaction approval for.

According to the implementation method of the present invention, the transaction approval processing unit 1365 is a transaction amount (= transaction amount included in the full approval request) through the customer wireless terminal 135 corresponding to the use card of the charge / use card and the Compare the charge amount charged through the charge card of the charge / use card, and if the charge amount is greater than the transaction amount, approve the transaction through the customer wireless terminal 135 registered as the use card of the charge / use card. On the contrary, if the recharge amount is greater than the transaction amount, the transaction through the customer wireless terminal 135 registered as a use card of the recharge / use card is error-processed.

Through the charge amount information charged through the charge card of the charge / use card to the transaction amount (= transaction amount included in the full approval request) through the customer wireless terminal 135 corresponding to the use card of the charge / use card If the transaction is approved, the transaction approval processing unit 1365 may subtract the approved amount from the charged amount charged through the charge card in association with the storage medium 1380.

The transaction amount (= the approval) through the customer wireless terminal 135 corresponding to the use card of the charge / use card through the charge amount information charged through the charge / use card of the charge / use card through the transaction approval processor 1365. When the transaction for the transaction amount included in the request message is processed, the transaction result message transmission unit 1355 generates a transaction history including any one of transaction approval information or transaction error information corresponding to the transaction approval process. And generating an approval result text including the transaction details and transmitting the complete text to the bansa server 120 through the communication network. The bansa server 120 transmits the approval result text to the communication company server 125. It is characterized by transmitting.

Referring to FIG. 13, the card issuing server 110 transmits the approval result including the transaction approval information to the customer wireless terminal 135 through the bansa server 120 and then the transaction approval. The document purchase information generation unit 1370 (or the document purchase information generation for generating the document purchase information for purchasing the document for the transaction amount approved through the use card of the charge / use card based on the transaction history including the information) Means) and a slip purchase processing unit 1375 (or slip purchase processing means) for purchasing the slip for the transaction amount authorized through the use card of the charge / use card.

The full transaction result transmission unit 1355 receives the approval result including the transaction approval information through the bansa server 120 to the customer wireless terminal 135, and then the purchase information purchase unit 1370. ) Generates slip purchase information for purchasing a slip for an approved transaction amount using the customer wireless terminal 135 as a use card of the charge / use card based on the transaction history including the transaction approval information. It is characterized by.

Here, the slip purchase information is preferably made of the settlement information for the settlement of the approved transaction amount to the affiliated store using the customer wireless terminal 135 as the use card of the charge / use card.

The voucher purchase processing unit 1375 may pass a certain period of time after the transaction is approved through the customer wireless terminal 135 registered as the use card of the charge / use card, or from the bansa server 120, the charge / use card may be used. When the purchase of a slip for the approved transaction amount through the customer wireless terminal 135 registered as a use card is requested, the slip for the approved transaction amount is purchased through the use card of the charge / use card.

FIG. 14 is a diagram illustrating a transaction request process between a customer wireless terminal 135, a communication company server 125, and a bansa server 120 according to another exemplary embodiment of the present invention.

In more detail, Figure 14 shows the full text of the authorization request generated by the customer wireless terminal 135 on the charge / use card transaction system shown in Figure 13, and transmits the full text of the authorization request from the carrier server 125 Bansa server Relay transmission to (120), in response to the bansa server 120 checks the card issuer server 110 for the full text of the approval request, and relays the full text of the authorization request to the card issuer server (110) As a transmission process, a person having ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawing 14 and the customer wireless terminal 135, the communication company server 125 and the bansa server ( 120) It will be possible to infer various implementation methods for the inter-request transaction process, but the present invention includes all the implementation methods inferred above, and the technical descriptions can be made only by the implementation method shown in FIG. Features are not limited.

Referring to FIG. 14, the customer wireless terminal 135 on the charge / use card transaction system illustrated in FIG. 13 may receive transaction information (eg, transaction amount and merchant information) from the merchant terminal 130 (or the merchant server 1385). (Or charging / use card use target terminal information) (for example, input through a key input means provided in the customer wireless terminal 135, received via short-range communication, or wirelessly connected to the customer wireless terminal 135). Received through a communication network (1400), and generates a full text of the approval request including the customer wireless terminal 135 information and transaction information (1405).

According to an embodiment of the present invention, the approval request text may further include information on a card issuer server 110 that has received the approval request text, and may be affiliated with the card issuer in the communication server server 125. , A professional relay alliance between the carrier and the card issuer, or when the customer wireless terminal 135 information and the card issuer server 110 are stored in association with the carrier, the card issuer server 110 may be omitted. Do.

Thereafter, the customer wireless terminal 135 connects the communication channel for professional transmission and reception with the telecommunication company server 125 through the wireless communication network (1410).

If the communication channel is connected (1415), the customer wireless terminal 135 transmits the full text of the approval request to the communication company server 125 via the communication channel (1420), and correspondingly the communication company server 125 ) Receives the approval request message transmitted from the customer wireless terminal 135 through the communication channel and checks the bansa server 120 to relay the approval request message (1425).

According to an exemplary embodiment of the present invention, when the approval request is transmitted in the customer wireless terminal 135 through the bansa encryption key, the bansa server 120 decrypts the encrypted approval request transcript. It is preferable.

If the bansa server 120 to relay the approval request message is confirmed (1430), the communication company server 125 relays the approval request message to the bansa server 120 (1435), and correspondingly The bansa server 120 checks the card issuer server 110 to receive and read the approval request message and relay the approval request message (1430).

If the card issuer server 110 to transmit the authorization request message is confirmed (1435), the bansa server 120 relays the authorization result message to the confirmed card issuer server 110 (1440). ).

15 is a diagram illustrating a transaction process of using a customer wireless terminal 135 as a use card of a charge / use card according to another embodiment of the present invention.

In more detail, FIG. 15 illustrates a transaction request process between the customer wireless terminal 135 and the telecommunication company server 125 and the bansa server 120 shown in FIG. 14 on the charge / use card transaction system shown in FIG. When the authorization request message including the customer wireless terminal 135 information corresponding to the use card of the charge / use card is received by the card issuer server 110, the charge / use card is received by the card issuer server 110. As a process of processing a transaction approval for the transaction amount requested through the use card of the charge / use card based on the charge amount charged through the charge card of the present invention, having a general knowledge in the art It will be possible to infer various implementation methods for the transaction process using the customer wireless terminal 135 as a charge / use card for use by referring to and / or modifying the drawing 15. The present invention is made, including any exemplary way in which the inference, does not its technical features are limited, only by the embodiment method shown in the figure 15.

Referring to Figure 15, through the charge / use card manufacturing system shown in Figure 2 through the transaction request process between the customer wireless terminal 135 shown in Figure 14 and the carrier server 125 and bansa server 120 A customer of a customer who is manufactured and sold (or paid) to a customer, charged with a charge amount through the charge / use card charging system shown in FIG. 4 or 7, and purchased (or received) the charge / use card. The charging / use message for which the wireless terminal 135 includes the customer wireless terminal 135 information corresponding to the use card of the charge / use card registered as the use card of the charge / use card is shown in FIG. When received by the card issuer server 110 on the card transaction system, the card issuer server 110 from the bansa server 120 through the communication network corresponding to the use card of the charge / use card 135 ) Information Receive the approval request message including a (1500), and reads the approval request full text to confirm the customer wireless terminal 135 information corresponding to the use card of the charge / use card (1505).

If the customer wireless terminal 135 information corresponding to the use card of the charge / use card is not read by reading the full approval request (1510), the card issuer server 110 receives the approval including transaction error information. Generate and transmit the result message to the bansa server 120 (1515), the bansa server 120 relays and outputs the approval result message to the customer wireless terminal 135 through the communication server server (125). (1530).

On the other hand, when the customer wireless terminal 135 information corresponding to the use card of the charge / use card is read by reading the approval request message (1510), the card issuer server 110 is linked with the storage medium 1380. In step 1535, the user card of the charge / use card corresponding to the customer wireless terminal 135 information is activated.

If the use card of the charge / use card is not activated (1540), the card issuer server 110 generates a full text of an authorization result including transaction error information and transmits it to the bansa server 120 (1515). The bansa server 120 relays and outputs the full text of the approval result to the customer wireless terminal 135 through the communication company server 125 (1530).

On the other hand, if the use card of the charge / use card corresponding to the customer wireless terminal 135 information is activated (1540), the card issuer server 110 is linked to the storage medium 1380 and the customer wireless terminal ( In step 1545, the charging card information associated with the information and the charging amount information charged through the charging card are checked.

If the charge card information associated with the customer wireless terminal 135 information and the charge amount information charged through the charge card is not confirmed (1550), the card issuer server 110 grants an authorization including transaction error information. Generate and transmit the result message to the bansa server 120 (1515), the bansa server 120 relays and outputs the approval result message to the customer wireless terminal 135 through the communication server server (125). (1530).

On the other hand, when the charge card information associated with the customer wireless terminal 135 information and the charge amount information charged through the charge card is confirmed (1550), the card issuer server 110 is the charge card of the charge / use card The transaction approval for the transaction amount (= transaction amount included in the authorization request text) through the customer wireless terminal 135 corresponding to the use card of the charge / use card is charged through the charge amount information charged through ( 1555).

According to the implementation method of the present invention, the card issuer server 110 is a transaction amount (= transaction amount included in the full approval request) through the customer wireless terminal 135 corresponding to the use card of the charge / use card. And a charge amount charged through the charge card of the charge / use card, and if the charge amount is larger than the transaction amount, approve the transaction through the use card of the charge / use card, and vice versa If it is larger than the transaction amount, it is preferable to process an error through the use card of the charge / use card.

If the transaction for the transaction amount is not approved through the customer wireless terminal 135 corresponding to the use card of the charge / use card (1560), the card issuer server 110 receives the approval result including transaction error information. The full text is generated and transmitted to the bansa server 120 (1515), and the bansa server 120 relays and outputs the full text of the approval result to the customer wireless terminal 135 through the communication company server 125 ( 1530).

On the other hand, if a transaction for the transaction amount is approved through the customer wireless terminal 135 corresponding to the use card of the charge / use card (1560), the card issuer server 110 is connected with the storage medium 1380. Authorization including the transaction approval information corresponding to the transaction approval processing by subtracting the transaction amount approved through the use card of the charge / use card from the charge amount charged through the charge card of the charge / use card (1565). Generate and transmit the result message to the bansa server 120 (1570), and the bansa server 120 relays and outputs the approval result message to the customer wireless terminal 135 through the communication company server (125) (1530).

16 is a diagram illustrating a purchase process for a transaction using a customer wireless terminal 135 as a use card of a charge / use card according to another exemplary embodiment of the present invention.

In more detail, FIG. 16 illustrates a customer wireless terminal 135 corresponding to a use card of a charge / use card through a transaction process using the customer wireless terminal 135 shown in FIG. 15 as a use card of a charge / use card. After the transaction is processed through, the card issuing server 110 on the charge / use card transaction system shown in Figure 13 illustrates the process of purchasing a slip for the use card transaction, the present invention belongs to If one of ordinary skill in the art with reference to the Figure 16 and / or modified to infer various implementation methods for the voucher purchase process for the transaction using the customer wireless terminal 135 as a charge / use card of the card Although the present invention may be implemented, the present invention includes all the inferred implementation methods, and the technical features are not limited to the implementation method illustrated in FIG.

For example, in FIG. 16, the card issuer server 110, which has processed a transaction process using the customer wireless terminal 135 shown in FIG. 15 as a charge / use card, performs a purchase purchase confirmation and request process. The present invention is not limited to this, but the present invention is not limited thereto, and it is possible to perform a check purchase and request process on the bansa server 120 provided with the full approval result according to the intention of the person skilled in the art. It will be apparent that the invention is made including the process of checking and requesting the purchase of the bansa server 120.

Referring to FIG. 16, the customer wireless terminal 135 corresponding to the use / use card of the charge / use card is processed through a transaction process using the customer wireless terminal 135 shown in FIG. 15 as the use card of the charge / use card. After the transaction is processed, the card issuing server 110 confirms whether the purchase of the slip for the transaction approval through the customer wireless terminal 135 corresponding to the use card of the charge / use card (1600).

According to the method of the present invention, the card issuer server 110, after a certain period of time after the transaction approval through the customer wireless terminal 135 corresponding to the use card of the charge / use card, the charge / use card It is preferable to confirm by purchasing a slip for the transaction approval through the customer wireless terminal 135 corresponding to the use of the card.

According to the method of the present invention, the card issuer server 110 checks whether the slip is inserted in place of the card issuer server 110 and then uses the card of the charge / use card to the card issuer server 110. It is also possible to request the purchase of a slip for the transaction approval through the corresponding customer wireless terminal 135, and the present invention may include a slip purchase request from the bansa server 120.

If the purchase of the slip for the transaction approval through the customer wireless terminal 135 corresponding to the use card of the charge / use card is confirmed (1605), the card issuer server 110 is connected to the customer wireless device shown in FIG. Document purchase for transaction approval through the customer wireless terminal 135 corresponding to the use card of the charge / use card based on the transaction history generated in the transaction process using the terminal 135 as the use card of the charge / use card Generate information (1610).

In this case, the purchase information of the slip preferably includes the settlement information for the settlement of the approved transaction amount to the affiliated store using the customer wireless terminal 135 as the use card of the charge / use card.

Thereafter, the card issuing server 110 according to the pre-purchase procedure for the purchase of the transaction approval through the customer wireless terminal 135 corresponding to the use card of the charge / use card based on the purchase information of the slip. Purchase (1615).

Those skilled in the art to which the present invention pertains, because they will be familiar with the document purchase procedure, detailed description thereof will be omitted for convenience.

If the document corresponding to the transaction approval through the customer wireless terminal 135 corresponding to the use card of the charge / use card is purchased in accordance with the affiliated document purchase procedure (1620), the card issuer server 110 may be used. In operation 1625, the slip purchase result of the transaction approval through the customer wireless terminal 135 corresponding to the use card of the charge / use card is stored.

17 is a diagram showing the configuration of a charge / use card transaction system according to another exemplary embodiment of the present invention.

More specifically, Figure 17 is produced through the charging / using card manufacturing system shown in Figure 2 and sold (or paid) to the customer, and charged through the charging / using card charging system shown in Figure 4 or Figure 7 In the charge / use card in which the amount is charged and the customer wireless terminal 135 is registered as the use card of the charge / use card, the customer wireless terminal 135 information (or the customer wireless terminal) in the customer wireless terminal 135 (135) information and transaction amount information), and transmits the first approval request text including the information, the communication company server 125 transmits the first approval request text to the card issuer server 110, the affiliated store provided in the merchant When the terminal 130 transmits the customer wireless terminal 135 information and transaction information to the second approval request message, the bansa server 120 transmits the second approval request message to the card issuer server 110. Card issuer After generating (or confirming) a complete approval request text through the first approval request text and the second approval request text at 110, the customer wireless terminal 135 is used as a use card of the charge / use card. The present invention relates to a charge / use card transaction system for processing payment / financial transactions. Those skilled in the art to which the present invention pertains may refer to and / or modify the drawing 17 and / or modify the charge / use card transaction system. Various implementation methods for the configuration may be inferred, but 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.

For example, those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 17 and refer to FIGS. 9 to 13 to complete the first approval request text and the second approval request text. To receive from the bansa server 120 to generate a complete approval request full text and then transmits to the card issuer server 110, or the first full approval request and the second approval request in the telecommunication company server 125 After receiving and generating a complete approval request, the implementation method may be inferred to be transmitted to the card issuer server 110, and it will be apparent that the present invention includes all the inferred implementation methods.

In addition, although the information transmitted from the customer wireless terminal 135 in FIG. 17 may not be made in a specialized form, it is described as being convenient for the sake of unification of terms with other embodiments. Technical features of the server-to-server exchange protocol and the specialized structure conversion process according to the specialized exchange protocol are omitted for convenience, but it is apparent that the present invention basically includes the specialized structure conversion according to the specialized exchange protocol.

In addition, in FIG. 17, the customer wireless terminal 135 is illustrated as being set as a use card of the charge / use card, but the present invention is not limited thereto. The customer wireless terminal 135 is described above. It may be set as the second use card of the charge / use card, and when the customer wireless terminal 135 is set as the second use card of the charge / use card, the payment / financial transaction through the charge / use card is Use all of the customer wireless terminal 135 registered as the first use card of the charge / use card or the second use card of the charge / use card, or make a payment / financial transaction through the customer wireless terminal 135. When requesting, it is possible to process the payment / financial transactions by replacing the customer wireless terminal 135 with a first use card, the present invention is the customer wireless terminal 135 is the second of the charge / use card Use car It is clearly to be understood that this includes all implementation methods set up.

In addition, although FIG. 17 illustrates the technical features of the charge / use card transaction through the payment transaction through the customer wireless terminal 135 registered as the use card of the charge / use card, the present invention is thereby described. The present invention is not limited thereto, and the transaction through the customer wireless terminal 135 registered as the use card of the charge / use card includes all of the financial transactions through CD / ATM and online payment through a web server such as an internet shopping mall. It is characterized in that, but if the person of ordinary skill in the art to which the present invention belongs, it will be able to infer the system configuration for the financial transaction or online payment through the payment in this figure 17, in this figure 17 The configuration of the system for the financial transaction or the online payment will be omitted.

Referring to FIG. 17, the charge / use card transaction system includes a customer wireless terminal 135 used by a customer who purchased (or received) the charge / use card, an affiliated store terminal 130 provided in the affiliated store, and the like. , Produced through the charging / use card manufacturing system shown in FIG. 2 and sold (or paid) to the customer, and charged amount is charged through the charging / use card charging system shown in FIG. 4 or FIG. The card issuer server 110 operating the charge / use card registered as the use card of the charge / use card by the wireless terminal 135, and the customer wireless terminal 135 and the card issuer server 110 (or According to another implementation method, the communication company server 125 relaying the bansa server 120 and the second authorization request message transmitted from the affiliated store terminal 130 to the card issuer server 110 (or another implementation method). To carrier server 125) System including baensa server 120 to transmit characterized in that formed.

In FIG. 17, the telecommunication company server 125 is also illustrated as a single server for convenience. However, this is only an exemplary method for efficiently describing the technical features of the telecommunication company server 125 in the present invention. Obviously, the telecommunication company server 125 may be embodied in the form of a system consisting of a plurality of servers for each function component, or may be spherical in the form of an internal component of the server provided in the telecommunication company according to the use card transaction system implementation method. It is to be revealed.

In addition, the bansa server 120 is also shown as one server for convenience, but this is only one embodiment for efficiently explaining the technical features of the bansa server 120 in the present invention, the intention and charge / use card of those skilled in the art According to the trading system implementation method, the bansa server 120 may be embodied in the form of a system consisting of a plurality of servers for each functional component or may be spherical in the form of internal components of the server provided in the bansa It is.

In addition, although the card issuer server 110 is illustrated as one server in FIG. 17 for convenience, this is only one implementation method for efficiently describing the technical features of the card issuer server 110 in the present invention. According to the intention of the person skilled in the art and the method of implementing a charge / use card transaction system, the card issuer server 110 may be implemented in the form of a system consisting of a plurality of servers for each function component, or may be provided inside the server provided in the card issuer. It is clear that it may be spherical in component form.

The customer wireless terminal 135, transaction information (for example, transaction amount, merchant information (or charge / use) from the merchant terminal 130 (or merchant server) requesting the payment / financial transactions through the charge / use card Card use target terminal information) (for example, input through a key input means provided in the customer wireless terminal 135, or received through short-range communication, or received through a wireless communication network connected to the customer wireless terminal 135). The first approval request message including the customer wireless terminal 135 information and the transaction amount information is transmitted through a wireless communication network to which the customer wireless terminal 135 is connected. Characterized in that 125 is received.

According to the embodiment of the present invention, the first approval request message transmitted by the customer wireless terminal 135 further includes card issuer server 110 information corresponding to the card issuer operating the charge / use card. It is preferable to make it.

The communication company server 125 is provided in a wireless communication network to which a customer wireless terminal 135 registered as a use card of the charge / use card is connected, and the customer wireless terminal 135 and the card issuer server 110 ( Or it characterized in that it provides a function for relaying the bansa server 120 according to another embodiment.

According to the exemplary embodiment of the present invention, the telecommunication company server 125 is provided with the customer wireless terminal 135 information and the subscriber information corresponding to the customer wireless terminal 135 to communicate with each other through the customer wireless terminal 135. It is preferable to control and operate, the card issuing server to the first authorization request message sent from the customer wireless terminal 135 to use the customer wireless terminal 135 as the use card of the charge / use card It is preferable to relay to (110), or relay the full authentication result transmitted from the card issuer server 110 to the customer wireless terminal (135).

If the bansa server 120 is provided with a function of generating a complete approval request text by combining the first approval request text and the second approval request text, the telecommunication company server 125 recalls the first approval request text. It is preferable to relay transmission to the bansa server 120.

The merchant terminal 130, CAT (Credit Authorization Terminal) provided in the merchant for payment transactions through the customer wireless terminal 135 registered as the use card of the charge / use card, POS (with a payment function) Point Of Sales) characterized in that it comprises at least one terminal, preferably according to the intention of those skilled in the art further comprises a CD / ATM device for financial transactions.

According to the exemplary embodiment of the present invention, the affiliated store terminal 130 uses the customer wireless terminal through a key input device for payment / financial transaction through the customer wireless terminal 135 corresponding to the use card of the charge / use card. 135) After inputting the information and the transaction information (for example, the transaction amount, the installment months, etc.), and generates a second authorization request full text including the customer wireless terminal 135 information, transaction information and the affiliated store information to establish a communication network Characterized in that the transmission to the bansa server 120 through.

The bansa server 120 may include a public switched telephone network (PSTN), an intelligent network, an xDSL-based wired network, a code division multiple access (CDMA) / wide-CDMA (WCDMA) -based mobile communication network, and high-speed HSDPA. Downlink Packet Access) based wireless network, IEEE 802.16x-based portable Internet and the like through a public communication network including at least one terminal connected to the merchant terminal 130 provided in the merchant, x.25 based communication network, encryption / By connecting the communication channel with at least one professional relay target server through a dedicated communication network including at least one decryption-based communication network, it is characterized in that the affiliated store terminal 130 and the specialized relay target server.

According to an embodiment of the present invention, the bansa server 120 may relay transmission of the entire request for approval received from the affiliated store terminal 130 to the card issuer server 110.

According to an embodiment of the present invention, the bansa server 120 receives the full approval request encrypted with the bansa encryption key from the merchant terminal 130, decrypts the full approval request with the decryption key of bansa, the decryption Reads the approved request message and confirms the special relay target server to which the approval request message is transmitted, encrypts the approval result text with an encryption key that can be decrypted by the verified professional relay target server, and transmits it to the special relay target server. It is desirable to.

According to an embodiment of the present invention, the bansa server 120 receives a second approval request message encrypted with the bansa encryption key from the merchant terminal 130, and decrypts the second approval request message with a bansa decryption key. Thereafter, the decoded second approval request text is read to confirm the card issuer server 110 to which the second approval request text is to be transmitted, and the decryption of the approval result text is decrypted by the confirmed card issuer server 110. It is preferable to encrypt with an encryption key that can be transmitted to the card issuer server (110).

If the telecommunication company server 125 is equipped with a function of generating a complete approval request text by combining the first approval request text and the second approval request text, the bansa server 120 reads the first approval request text. It is preferable to relay transmission to the communication company server 125.

The card issuer server 110 pays through the customer wireless terminal 135 registered as a use card of the charge / use card in a card issuer that produces and sells (or pays) the charge / use card to the customer. As a generic term for a server (or device) that processes payment / financial transactions, the card issuer is a card company (or financial company) that issues a conventional payment card, or a separate charge / use card issuer that operates the charge / use card. It is preferable to comprise a.

According to the exemplary embodiment of the present invention, the card issuer server 110 may transmit the customer wireless terminal 135 information (or the customer wireless terminal 135 information) transmitted from the customer wireless terminal 135 from the communication company server 125. And a first authorization request message including transaction value information) and a second information including transaction information and customer wireless terminal 135 registered as a use card of the charge / use card from the Bansa server 120. When the approval request text is received, the first approval request text and the second approval request text are combined to generate (or verify) a completion approval request text, and the read / write the completed approval request text to use the card of the charge / use card. Check the customer wireless terminal 135 information, the charge card information of the charge / use card associated with the customer wireless terminal 135 information, and the charge amount information charged through the charge card; To Through the charge to the charge amount information, characterized in that handle acknowledgment of the transaction included in the authorization request professional.

According to the embodiment of the present invention, the card issuer server 110 receives the first approval request message encrypted with the encryption key of the card issuer server 110 from the telecommunication company server 125 and decrypts the first approval. It is desirable to check the customer wireless terminal 135 information included in the request.

In addition, the card issuer server 110 receives and decrypts the second approval request message encrypted with the encryption key of the card issuer server 110 from the bansa server 120 and included in the second approval request message. It is preferable to check the wireless terminal 135 information and transaction information.

Those skilled in the art to which the present invention pertains, the technical characteristics of the customer wireless terminal 135, the bansa server 120 and the card issuer server 110 that operates as described above to familiarize yourself with the technical characteristics Since there will be, a more detailed description thereof will be omitted for convenience.

Referring to FIG. 17, the communication company server 125 may include a wireless communication unit 1700 for connecting and managing a communication channel with the customer wireless terminal 135 through a wireless communication network connected to the customer wireless terminal 135; Receives a first approval request message through the communication channel in connection with the wireless communication unit 1700, relays the received first approval request message to the bansa server 120, and the approval result from the bansa server 120. A professional relay target server for receiving a full text and relaying the received approval result full text to the customer wireless terminal 135 is characterized in that it is made, and relays the first approval request full text. It characterized in that the server further comprises a confirmation unit 1705 to confirm.

The wireless communication unit 1700 communicates with the customer wireless terminal 135 through a communication protocol corresponding to a wireless communication network connecting the communication server server 125 and the customer wireless terminal 135 for the transmission and reception of a transaction related professional And maintain and manage the communication channel until the specialized transmission and reception is completed.

The customer wireless terminal 135 connected to the communication channel includes customer wireless terminal 135 information (or customer wireless terminal 135 information and transaction amount information) for requesting payment / financial transaction through the charge / use card. When the first approval request message is transmitted through a wireless communication network to which the customer wireless terminal 135 is connected, the specialized relay unit 1710 is connected to the wireless communication unit 1700 from the customer wireless terminal 135. Receiving the first full approval request.

If the first approval request telegram is encrypted and transmitted from the customer wireless terminal 135 through the encryption key of the telecommunication company, the specialized relay unit 1710 preferably decrypts the encrypted first approval request telegram. Do.

Subsequently, the server checking unit 1705 checks a special relay target server to relay the first approval request full text, and when the special relay target server is confirmed, the special relay 1710 is the first approval request full text. It characterized in that for transmitting the relay to the specialized relay target server.

According to an embodiment of the present invention, when the server combining the first approval request text and the second approval request text is the telecommunication company server 125 or the card issuer server 110, the specialized relay target server may be configured as described above. It is preferable to check with the card issuer server 110.

According to another exemplary embodiment of the present invention, when the server combining the first approval request text and the second approval request text is bansa server 120, the specialized relay target server may be identified as the bansa server 120. The present invention is not limited thereto.

Subsequently, the professional relay unit 1710 receives an approval result text corresponding to a completed approval request text combining the first approval request text and the second approval request text from the bansa server 120, and receives the received approval result. Characterized in that the transmission to the customer to the wireless terminal 135 relay.

According to the present invention, the bansa server 120 is a card company BIN D / B for storing the BIN information for the domestic card issued by a domestic card company or financial company and the card company (or financial company) server information corresponding to the BIN information It is characterized by including (not shown).

Referring to FIG. 17, the bansa server 120 includes an interface unit 1715 for connecting and managing a communication channel with the affiliated store terminal 130 through a communication network, and the communication channel in connection with the interface unit 1715. An authorization request specialized receiver 1720 (or a specialized receiving means) for receiving a second approval request message through the card issuing server, which reads the received second approval request message and relays the second approval request message. A professional relay target confirmation unit 1730 (or card confirmation means) for confirming 110 and an authorization request specialized transmission unit 1735 for transmitting the full message of the second authorization request to the confirmed card issuer server 110 ( Or an authorization result for receiving an authorization result message including a transaction history corresponding to a complete authorization request message combining the first authorization request message and the second authorization request message from the card issuer server 110. specialty And an authorization result transmission unit 1725 for transmitting the entire authorization result including the transaction history to the customer wireless terminal 135 through a communication channel in association with the bride 1740 and the interface unit 1715. It is characterized by.

The interface unit 1715 is a communication channel for professional transmission and reception of transactions related to the affiliated store terminal 130 provided in the affiliated store through a communication protocol corresponding to a communication network connecting the bansa server 120 and the communication company server 125. Connect and maintain and manage the communication channel until the specialized transmission and reception is completed.

When the merchant terminal 130 connected to the communication channel transmits a second approval request message including the customer wireless terminal 135 information and transaction information, the approval request message receiving unit 1720 is associated with the interface unit 1715. By receiving the second approval request full text from the affiliated store terminal 130.

If the second approval request message is encrypted and transmitted from the communication company server 125 through the bansa encryption key, the approval request message receiving unit 1720 preferably decrypts the encrypted second approval request message. Do.

According to another exemplary embodiment of the present invention, the approval request message receiving unit 1720 may receive the first approval request message transmitted from the customer wireless terminal 135 from the telecommunication company server 125, in which case the The bansa server 120 relays the first approval request text to the card issuer server 110 as it is, or combines the first approval request text and the second approval request text to generate a complete approval request text. After that it is possible to transmit to the card issuer server (110).

When the second approval request text is received, the specialized relay target confirmation unit 1730 reads the second approval request text to confirm the card issuer server 110 to which the second approval request text is to be relayed. It features.

According to another embodiment of the present invention, the charge / use card includes a first use card to which a separate BIN is allocated, and when the payment / financial transaction is processed through the first use card, the specialized relay target confirmation unit ( 1730 may read the BIN information of the first use card of the charge / use card to check the card issuer server 110 with the card issuer server 110.

When the card issuer server 110 to which the second full text of the approval request is to be relayed is confirmed by the specialized relay target confirmation unit 1730, the approval request specialized transmission unit 1735 is connected with the bansa server 120. The second issuance request message is transmitted to the card issuing server 110 through the communication channel connected between the card issuing server 110.

According to another embodiment of the present invention, when the bansa server 120 generates the complete approval request text by combining the first approval request text and the second approval request text, the approval request message transmission unit 1735 is The complete approval request may be transmitted to the card issuer server 110.

Subsequently, the card issuer server 110 performs a transaction approval procedure corresponding to the completion approval request message combining the first approval request text and the second approval request text message, and completes the completion approval request text message through the communication channel. The approval result message including the transaction history corresponding to the transmission, the approval result full text receiving unit 1740 is characterized in that for receiving the approval result text from the card issuer server 110 through the communication channel.

When a transaction corresponding to the completion approval request message is approved according to an embodiment of the present invention, the transaction details included in the approval result message may include customer wireless terminal 135 information on the transaction approved charge / use card, Preferably, the transaction approval date, transaction approval amount, merchant information and at least one transaction approval information is included.

According to another embodiment of the present invention, if the transaction corresponding to the completion approval request message is not approved, the transaction details included in the approval result message are the customer wireless terminal 135 information about the charge / use card and the transaction. It is preferable to include at least one error information.

When the approval result message is received from the card issuer server 110, the approval result message transmitting unit 1725 may be connected to the interface unit 1715 to include the transaction result message through the communication channel. It is characterized in that for transmitting to the customer wireless terminal 135, wherein the interface unit 1715 preferably further performs the process of verifying that the full text of the approval result is transmitted to the customer wireless terminal 135. Do.

Referring to FIG. 17, the card issuer server 110 connects and manages a communication channel with the bansa server 120 through a dedicated network, or connects a communication channel with the communication company server 125 through a communication network. In response to the communication unit 1745 and the communication unit 1745, the first approval request message including the customer wireless terminal 135 information corresponding to the use card of the charge / use card is received from the communication company server 125. , The transaction request professional receiving unit 1750 (or a professional) for receiving the second authorization request message including the transaction information and the customer wireless terminal 135 corresponding to the use card of the charge / use card from the bansa server 120. A receiving unit), a professional processing unit 1760 (or a specialized processing unit) for combining (or confirming) a completion approval request message by combining the first approval request text and the second approval request text, and the completion approval request text. included An information checking unit 1765 (or information checking means) for checking the charging card information of the charge / use card associated with the guest wireless terminal 135 information, the charge amount information charged through the charging card, and the charging / Transaction approval for the transaction amount (= transaction amount included in the full approval request) through the customer wireless terminal 135 corresponding to the use card of the charge / use card through the charge amount information charged through the charge card of the use card Transaction approval processing unit 1770 (or transaction approval processing means) for processing the transaction result professional transmission unit 1755 for transmitting the full text of the approval result including the transaction history corresponding to the transaction approval processing to the bansa server 120 (Or specialized transmission means) is characterized in that it is made.

According to another exemplary embodiment of the present invention, it is apparent that the specialized processor 1760 may be provided in the telecommunication company server 125 to the bansa server 120.

The communication unit 1745 connects the communication channel for professional transmission / reception with the bansa server 120 through a communication protocol corresponding to a communication network connecting the card issuer server 110 and the bansa server 120. It features.

When the communication company server 125 transmits the first approval request message through the communication channel, the transaction request message receiving unit 1750 corresponds to the customer's use card of the charge / use card from the communication company server 125. Characterized in that it receives the first approval request message containing the radio terminal 135 information.

If the first approval request message is encrypted and transmitted from the communication company server 125 through an encryption key of the card company server, the transaction request message receiving unit 1750 preferably decrypts the encrypted approval request message. .

When the bansa server 120 transmits the second approval request message through the communication channel, the transaction request message receiving unit 1750 corresponds to the customer's use card of the charge / use card from the bansa server 120. Characterized in that for receiving the second approval request message including the wireless terminal 135 information and transaction information.

If the second approval request message is encrypted and transmitted from the bansa server 120 through the encryption key of the card company server, the transaction request message receiving unit 1750 decrypts the encrypted second approval request message. desirable.

When the first approval request message and the second approval request message are received through the transaction request message receiver 1750, the expert processor 1760 may include a wireless client that is included in the first approval request message and the second approval request message. Based on the information on the terminal 135, the first approval request text and the second approval request text are combined to generate (or confirm) the completion approval request text.

If the completion approval request message is generated (or confirmed) through the specialized processing unit 1760, the information checking unit 1765 may check the information of the customer wireless terminal 135 included in the completion approval request message. do.

According to another embodiment of the present invention, when the customer wireless terminal 135 is registered as the second use card of the charge / use card, the information checking unit 1765 is associated with the information of the customer wireless terminal 135. It is possible to further confirm the first use card information, in which case it will be apparent that the transaction amount requested through the customer wireless terminal 135 can be authorized for the transaction through the first use card.

When the customer wireless terminal 135 information corresponding to the use card of the charge / use card is confirmed, the information checking unit 1765 is connected to the storage medium 1785 and charged with the customer wireless terminal 135 information. Check the charge card information of the / use card, and check the charge amount information charged through the charge card.

According to the exemplary embodiment of the present invention, the information confirming unit 1765 is activated with the customer wireless terminal 135 information and the charge card information corresponding to the use card of the charge / use card in association with the storage medium 1785. It is preferable to further include checking whether there is.

When the charge amount information charged through the charge card associated with the customer wireless terminal 135 information corresponding to the use card of the charge / use card through the information check unit 1765 is confirmed, the transaction approval processing unit 1770 Is a transaction amount (= transaction amount included in the full approval request message) through the customer wireless terminal 135 corresponding to the use card of the charge / use card through the charge amount information charged through the charge card of the charge / use card. It is characterized in that the transaction approval for).

According to the implementation method of the present invention, the transaction approval processing unit 1770 and the transaction amount (= transaction amount contained in the complete approval request) through the customer wireless terminal 135 corresponding to the use card of the charge / use card and Compare the charge amount charged through the charge card of the charge / use card, and if the charge amount is greater than the transaction amount, perform a transaction through the customer wireless terminal 135 registered as the use card of the charge / use card. On the contrary, if the recharge amount is greater than the transaction amount, the transaction through the customer wireless terminal 135 registered as a use card of the recharge / use card is error-processed.

Transaction amount through the customer wireless terminal 135 corresponding to the use card of the charge / use card through the charge amount information charged through the charge card of the charge / use card (= transaction amount included in the complete approval request) When the transaction is approved for the transaction, the transaction approval processing unit 1770 may be configured to deduct the approved amount from the charged amount charged through the charge card in association with the storage medium 1785.

The transaction amount through the customer wireless terminal 135 corresponding to the use card of the charge / use card through the charge amount information charged through the charge card of the charge / use card through the transaction approval processing unit 1770 (= the completion) When the transaction for the transaction amount included in the approval request message is processed, the transaction result message transmission unit 1755 generates a transaction history including any one of transaction approval information or transaction error information corresponding to the transaction approval process. And generating a full text of an approval result including the transaction history and transmitting the full text of the approval result to the telecommunication company server 125 and the bansa server 120 through the telecommunication network, and the telecommunication company server 125 transmits the customer wireless terminal ( 135, and the bansa server 120 is characterized in that for transmitting the full text of the approval result to the affiliated store terminal (130).

Referring to FIG. 17, the card issuer server 110 transmits the approval result message including the transaction approval information to the customer wireless terminal 135 and the affiliated store terminal 130 and transmits the transaction approval information. Slip purchase information generation unit 1175 (or slip purchase information generating means) for generating a slip purchase information for purchasing a slip for the transaction amount approved through the use card of the charge / use card based on the transaction history including; And a slip purchase processing unit 1780 (or slip purchase processing means) for purchasing a slip for the transaction amount authorized through the use card of the charge / use card.

After the full transaction result transfer approval result including the transaction approval information is transmitted to the customer wireless terminal 135 and the merchant terminal 130 through the transaction result transmission unit 1755, the slip purchase information generation unit 1175 is Based on the transaction history including the transaction approval information, using the customer wireless terminal 135 as a use card of the charge / use card to generate a purchase information for the purchase of the document for the approved transaction amount It is done.

Here, the slip purchase information is preferably made of the settlement information for the settlement of the approved transaction amount to the affiliated store using the customer wireless terminal 135 as the use card of the charge / use card.

The voucher purchase processing unit 1780 is a predetermined period of time after the transaction is approved through the customer wireless terminal 135 registered as the use card of the charge / use card, or from the Bansa server 120 of the charge / use card When the purchase of a slip for the approved transaction amount through the customer wireless terminal 135 registered as a use card is requested, the slip for the approved transaction amount is purchased through the use card of the charge / use card.

18 is a diagram illustrating a process of generating a complete approval request text for using a customer wireless terminal 135 as a use card of a charge / use card according to an embodiment of the present invention.

More specifically, FIG. 18 generates and transmits a first approval request message including information of the customer wireless terminal 135 in the customer wireless terminal 135 on the charge / use card transaction system shown in FIG. When the 130 generates and transmits a second approval request message including the customer wireless terminal 135 information and transaction information, the card issuer server 110 combines the first approval request message and the second approval request message. The process of generating (or confirming) a complete approval request by a user, and a person of ordinary skill in the art to which the present invention pertains, refers to and / or modifyes the drawing 18 to the customer wireless terminal 135. It can be inferred from the various implementation methods for the process of creating a complete approval request for the use of the charge / use card as a card, but the present invention includes all the implementation methods inferred Becomes fish, it shall not be limited to the technical features that only the exemplary method shown in the figure 18.

Referring to FIG. 18, the customer wireless terminal 135 on the charge / use card transaction system shown in FIG. 17 generates the first authorization request message including the customer wireless terminal 135 information (1800). The wireless communication network connects a communication channel for receiving a professional transmission with the telecommunication company server 125 (1805).

If the communication channel is connected (1810), the customer wireless terminal 135 transmits the first approval request message to the telecommunication company server 125 via the communication channel (1815), and correspondingly the telecommunication company server 125 receives the first approval request message transmitted from the customer wireless terminal 135 through the communication channel (1820), reads the first approval request message, and relays the first approval request message. Check card issuer server 110 (1825).

If the card issuer server 110 to relay the first approval request text is confirmed (1830), the telecommunication company server 125 relays and transmits the first approval request text to the card issuer server 110. (1835).

In addition, the merchant terminal 130 on the charge / use card transaction system shown in FIG. 17 generates a full second approval request message including the customer wireless terminal 135 information and transaction information (1840), and establishes the communication network. Connect the communication channel for professional transmission and reception with the bansa server 120 (1845).

If the communication channel is connected (1850), the merchant terminal 130 transmits the second approval request message to the bansa server 120 through the communication channel (1855), and corresponding to the bansa server The card 120 receives the second approval request message transmitted from the affiliated store terminal 130 through the communication channel (1860), and reads the second approval request message to relay the second approval request message. Check the issuer server 110 (1865).

If the card issuer server 110 to relay the second approval request message is confirmed (1870), the bansa server 120 relays the second approval request message to the card issuer server 110. (1875).

The card issuer server 110 receives the first approval request message from the telecommunication company server 125 and receives the second approval request message from the bansa server 120 (1880). The first approval request text and the second approval request text are combined based on the information of the client wireless terminal 135 included in the full text of the request for approval and the second request for approval, to generate (or verify) the complete request for approval (1885). ).

19 is a diagram illustrating a process of generating a complete approval request text for using a customer wireless terminal 135 as a use card of a charge / use card according to another exemplary embodiment of the present invention.

In more detail, FIG. 19 generates and transmits a first approval request message including the customer wireless terminal 135 information from the customer wireless terminal 135 on the charge / use card transaction system shown in FIG. When the terminal 130 generates and transmits a second approval request message including the customer wireless terminal 135 information and transaction information, the communication server server 125 combines the first approval request message and the second approval request message. A process of generating a complete approval request message and then transmitting it to the card issuer server 110. If a person having ordinary skill in the art belongs to the present invention, the present invention may be referred to and / or modified with reference to FIG. 19. Although it may be possible to infer various implementation methods for the process of generating a complete approval request for use of the customer wireless terminal 135 as a use card of a charge / use card, the present invention may infer all the inferred threads. It is made, including the municipal method, the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 19, the customer wireless terminal 135 on the charge / use card transaction system shown in FIG. 17 generates a first authorization request message including information on the customer wireless terminal 135 (1900). The wireless communication network connects a communication channel for professional transmission and reception with the telecommunication company server 125 (1905).

If the communication channel is connected (1910), the customer wireless terminal 135 transmits the first approval request message to the telecommunication company server 125 via the communication channel (1915), and correspondingly the telecommunication company server 125 receives the first full authorization request message transmitted from the customer wireless terminal 135 through the communication channel (1920).

In addition, the merchant terminal 130 on the charge / use card transaction system shown in Figure 17 generates a second authorization request full message including the customer wireless terminal 135 information and transaction information (1925), and establishes the communication network Connect the communication channel for professional transmission and reception with the bansa server 120 through (1930).

If the communication channel is connected (1935), the affiliated store terminal 130 transmits the second approval request message to the bansa server 120 through the communication channel (1940), and correspondingly to the bansa server ( 120 receives the second approval request message transmitted from the affiliated store terminal 130 through the communication channel (1945), reads the second approval request message, and transmits the second approval request message to the communication company server; Check 125 (1950).

If the carrier server 125 to relay the second approval request message is confirmed (1955), the bansa server 120 relays the second approval request message to the carrier server 125 (1960).

At this time, the communication company server 125 checks whether the second approval request message is received from the bansa server 120 (1965), if the second approval request message is received from the bansa server 120 ( 1970), the telecommunication company server 125 combines the first approval request text and the second approval request text on the basis of the information of the customer wireless terminal 135 included in the first approval request text and the second approval request text. Create (or verify) the complete request for approval (1975).

If the completion approval request message is generated (1980), the telecommunication company server 125 reads the completed approval request message generated (or confirmed) and checks the card issuer server 110 (1985).

If the card issuer server 110 to relay the completion approval request text is confirmed (1990), the communication company server 125 relays the completion approval request text to the card issuer server 110 (1995). ).

20 is a diagram illustrating a process of generating a complete approval request text for using a customer wireless terminal 135 as a use card of a charge / use card according to another exemplary embodiment of the present invention.

More specifically, FIG. 20 generates and transmits a first approval request message including information of the customer wireless terminal 135 in the customer wireless terminal 135 on the charge / use card transaction system shown in FIG. When the 130 generates and transmits a second approval request message including the customer wireless terminal 135 information and transaction information, the bansa server 120 completes the combination of the first approval request message and the second approval request message. A process of generating an authorization request message and then transmitting it to the card issuing server 110 is performed by those skilled in the art to which the present invention pertains. Various implementation methods may be inferred for the process of generating a complete approval request for using the customer wireless terminal 135 as a use card of a charge / use card. It is made, including the method, the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 20, the customer wireless terminal 135 on the charge / use card transaction system shown in FIG. 17 generates the first authorization request message containing the customer wireless terminal 135 information (2000). The wireless communication network connects a communication channel for professional transmission and reception with the telecommunication company server 125 (2005).

If the communication channel is connected (2010), the customer wireless terminal 135 transmits the first approval request message to the telecommunication company server 125 via the communication channel (2015), and correspondingly the telecommunication company server 125 receives the first approval request message transmitted from the customer wireless terminal 135 through the communication channel (2020), reads the first approval request message, and relays the first approval request message. Check the bansa server 120 (2025).

If the bansa server 120 to relay the first approval request message is confirmed (2030), the communication company server 125 relays the first approval request message to the bansa server 120 (2035).

In addition, the merchant terminal 130 on the charge / use card transaction system shown in FIG. 17 generates a second authorization request message including the customer wireless terminal 135 information and transaction information (2040), and establishes the communication network. Connect the communication channel for professional transmission and reception with the bansa server 120 through (2045).

If the communication channel is connected (2050), the merchant terminal 130 transmits the second approval request message to the bansa server 120 through the communication channel (2055), and correspondingly the bansa server ( 120 receives the second approval request message transmitted from the affiliated store terminal 130 through the communication channel (2060), and checks whether the first approval request message is received from the communication company server 125 (2065). .

If the first approval request message is received from the telecommunication company server 125 (2070), the bansa server 120 includes information on the customer wireless terminal 135 included in the first approval request message and the second approval request message. The complete approval request text is generated (or confirmed) by combining the first approval request text and the second approval request text on the basis of 2020.

If the completion approval request message is generated (2080), the bansa server 120 reads the completed approval request message generated (or confirmed) to check the card issuer server 110 (2085).

If the card issuer server 110 to relay the completion approval request text is confirmed (2090), the bansa server 120 relays the completion approval request text to the card issuer server 110 (2095). ).

21 is a diagram illustrating a transaction process of using a customer wireless terminal 135 as a use card of a charge / use card according to another embodiment of the present invention.

More specifically, FIG. 21 is shown in FIG. 17 through a process for creating a complete approval request for using the customer wireless terminal 135 shown in FIG. 18 or 19 or 20 as a use / use card of a charge / use card. The complete authorization request full text including the customer wireless terminal 135 information corresponding to the use card of the charge / use card is generated (or confirmed) to the card issuer server 110 on the charged / use card transaction system. When received, the card issuer server 110 processes the transaction approval for the transaction amount requested through the use card of the charge / use card based on the charge amount charged through the charge card of the charge / use card As shown in the drawings, those of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 21 to charge / use the customer wireless terminal 135. Various implementation methods for the transaction process used as a use card may be inferred, but the present invention includes all the implementation methods inferred above, and the technical features are not limited to the implementation method shown in FIG. .

Referring to FIG. 21, the wireless terminal 135 shown in FIG. 18 or FIG. 19 or FIG. 20 is shown in FIG. Produced through a charge / use card manufacturing system and sold (or paid) to a customer, charge amount is charged through the charge / use card charging system shown in FIG. 4 or 7, and the charge / use card is purchased. (Or received) the customer's wireless terminal 135 completes the complete approval request request information including the customer wireless terminal 135 information corresponding to the use card of the charge / use card registered as the use card of the charge / use card When it is generated (or confirmed) or received (2100), the card issuer server 110 reads the complete approval request message and information on the customer wireless terminal 135 corresponding to the use card of the charge / use card. Check 2105.

If the customer wireless terminal 135 information corresponding to the use card of the charge / use card is not read by reading the complete approval request message (2110), the card issuer server 110 includes transaction error information. The full text of the approval result is generated and transmitted to the telecommunication company server 125 (or bansa server 120) (2115), and the telecommunication company server 125 (or bansa server 120) is connected to the customer wireless terminal 135 ( Alternatively, the full text of the approval result is transmitted to the customer wireless terminal 135 (or the affiliate terminal 130) through a communication channel connected to the affiliate store 130 (2130).

On the other hand, if the customer wireless terminal 135 information corresponding to the use card of the charge / use card is read by reading the completion approval request message (2110), the card issuer server 110 is connected to the storage medium (1785). In operation 2135, it is checked whether the use card of the charge / use card corresponding to the customer wireless terminal 135 information is activated.

If the use card of the charge / use card is not activated (2140), the card issuer server 110 generates a full text of the authorization result containing the transaction error information carrier server 125 (or bansa server 120) (2115), the telecommunication company server 125 (or bansa server 120) transmits the full approval result through a communication channel connected to the customer wireless terminal 135 (or the merchant terminal 130). The client wireless terminal 135 transmits the data to the wireless terminal 135 (or the affiliated store terminal 130) and outputs the received information (2130).

On the other hand, if the use card of the charge / use card corresponding to the customer wireless terminal 135 information is activated (2140), the card issuer server 110 is linked to the storage medium (1785) the customer wireless terminal ( In step 2145, the charging card information associated with the information and the charging amount information charged through the charging card are checked.

If the charge card information associated with the customer wireless terminal 135 information and the charge amount information charged through the charge card is not confirmed (2150), the card issuer server 110 grants an authorization including transaction error information. The full text of the result is generated and transmitted to the telecommunication company server 125 (or bansa server 120) (2115), and the telecommunication company server 125 (or bansa server 120) is connected to the customer wireless terminal 135 (or affiliated store). The full text of the approval result is transmitted to the customer wireless terminal 135 (or the affiliated terminal 130) through a communication channel connected with the terminal 130 and outputs the received result (2130).

On the other hand, if the charge card information associated with the customer wireless terminal 135 information and the charge amount information charged through the charge card is confirmed (2150), the card issuer server 110 is the charge card of the charge / use card Process the transaction approval for the transaction amount (= transaction amount included in the complete approval request) through the customer wireless terminal 135 corresponding to the use card of the charge / use card through the charge amount information charged through (2155).

According to the implementation method of the present invention, the card issuer server 110 is a transaction amount (= transaction amount included in the complete approval request full transaction through the customer wireless terminal 135 corresponding to the use card of the charge / use card) ) And compares the charge amount charged through the charge card of the charge / use card, and if the charge amount is larger than the transaction amount, approves the transaction through the use card of the charge / use card, and vice versa. If the recharge amount is greater than the transaction amount, it is preferable to process a transaction through the use card of the recharge / use card.

If the transaction for the transaction amount is not approved through the customer wireless terminal 135 corresponding to the use card of the charge / use card (2160), the card issuer server 110 receives an approval result including transaction error information. The full text is generated and transmitted to the telecommunication company server 125 (or bansa server 120) (2115), and the telecommunication company server 125 (or bansa server 120) is the customer wireless terminal 135 (or merchant terminal) Through the communication channel connected to (130) and transmits the full text of the approval result to the customer wireless terminal 135 (or merchant terminal 130) and outputs (2130).

On the other hand, if a transaction for the transaction amount is approved through the customer wireless terminal 135 corresponding to the use card of the charge / use card (2160), the card issuer server 110 is linked with the storage medium (1785). Authorization including the transaction approval information corresponding to the transaction approval processing by subtracting the transaction amount authorized through the use card of the charge / use card from the charge amount charged through the charge card of the charge / use card (2165). The full text of the result is generated and transmitted to the telecommunication company server 125 (or bansa server 120) (2170), and the telecommunication company server 125 (or bansa server 120) is connected to the customer wireless terminal 135 (or The entire authorization result is transmitted to the customer wireless terminal 135 (or the affiliate terminal 130) through a communication channel connected to the affiliate store 130 (2130).

22 is a diagram illustrating a purchase process for a transaction using a customer wireless terminal 135 as a use card of a charge / use card according to another exemplary embodiment of the present invention.

In more detail, FIG. 22 illustrates a customer wireless terminal 135 corresponding to a use card of a charge / use card through a transaction process using the customer wireless terminal 135 shown in FIG. 21 as a use card of a charge / use card. After the transaction is processed through, the card issuing server 110 on the charge / use card transaction system shown in Figure 17 illustrates the process of purchasing the slip for the card transaction, the present invention belongs to If one of ordinary skill in the art with reference to Figure 22 and / or modified to infer various implementation methods for the voucher purchase process for transactions using the customer wireless terminal 135 as a charge / use card of the card Although the present invention may be implemented, the present invention includes all the inferred implementation methods, and the technical features are not limited to the implementation method illustrated in FIG.

For example, in FIG. 22, the card issuer server 110, which processes the transaction process using the customer wireless terminal 135 shown in FIG. The present invention is not limited by this, but the present invention is not limited thereto, and it is possible to perform a check purchase and request process on the bansa server 120 provided with the full approval result according to the intention of the person skilled in the art. It will be apparent that the invention is made including the process of checking and requesting the purchase of the bansa server 120.

Referring to FIG. 22, the customer wireless terminal 135 corresponding to the use card of the charge / use card is exchanged through a transaction process using the customer wireless terminal 135 shown in FIG. 21 as the use card of the charge / use card. After the transaction is processed, the card issuing server 110 confirms whether the purchase of the slip for the transaction approval through the customer wireless terminal 135 corresponding to the use card of the charge / use card (2200).

According to the method of the present invention, the card issuer server 110, after a certain period of time after the transaction approval through the customer wireless terminal 135 corresponding to the use card of the charge / use card, the charge / use card It is preferable to confirm by purchasing a slip for the transaction approval through the customer wireless terminal 135 corresponding to the use of the card.

According to the method of the present invention, the card issuer server 110 checks whether the slip is inserted in place of the card issuer server 110 and then uses the card of the charge / use card to the card issuer server 110. It is also possible to request the purchase of a slip for the transaction approval through the corresponding customer wireless terminal 135, and the present invention may include a slip purchase request from the bansa server 120.

If the purchase of the slip for the transaction approval is confirmed through the customer wireless terminal 135 corresponding to the use card of the charge / use card (2205), the card issuer server 110 is connected to the customer wireless device shown in FIG. Document purchase for transaction approval through the customer wireless terminal 135 corresponding to the use card of the charge / use card based on the transaction history generated in the transaction process using the terminal 135 as the use card of the charge / use card Generate information (2210).

Here, the slip purchase information is preferably made of the settlement information for the settlement of the approved transaction amount to the affiliated store using the customer wireless terminal 135 as the use card of the charge / use card.

Thereafter, the card issuing server 110 according to the pre-purchase procedure for the purchase of the transaction approval through the customer wireless terminal 135 corresponding to the use card of the charge / use card based on the purchase information of the slip. Purchase (2215).

Those skilled in the art to which the present invention pertains, because they will be familiar with the document purchase procedure, detailed description thereof will be omitted for convenience.

If the document corresponding to the transaction approval through the customer wireless terminal 135 corresponding to the use card of the charge / use card is purchased according to the affiliated document purchase procedure (2220), the card issuer server 110 is In operation 2225, a slip purchase result of the transaction approval through the customer wireless terminal 135 corresponding to the use card of the charge / use card is stored.

According to the present invention, a blank use card for payment / financial transaction and a charge / use card made by linking a charge card for charging a payment amount for payment / finance transaction approval for the use card are produced and sold to a customer. (Or payment), but registers the customer wireless terminal of the customer who purchased (or received) the charge / use card as the use card of the charge / use card, and then charges the amount charged through the charge card to the customer wireless terminal. By using the payment / financial transactions through, there is an advantage to provide a wireless payment / financial transaction services to solve the problems of the conventional prepaid card and credit card.

According to the present invention, a recharge / use card made by linking a use card for payment / financial transaction and a charge card for recharging the payment amount for payment / finance transaction approval for the use card is produced and sold to a customer ( Or pay), but register the customer wireless terminal of the customer who purchased (or received) the charge / use card as a second use card of the charge / use card, and then charges the amount charged through the charge card to the use card ( Or by using a payment settlement / financial transaction through a customer wireless terminal), there is an advantage to provide an on / offline payment / financial transaction services to solve the problems of the prepaid card and the credit card.

According to the present invention, a charge / use card made by linking a charge card for setting a customer wireless terminal as a use card for payment / financial transaction and charging a charge amount for payment / finance transaction approval for the use card is used. After the production and sale (or payment) to the customer, the payment amount / financial transaction through the customer wireless terminal through the amount charged through the charge card to process the charge amount through the charge card without limitation of time / region There is an advantage of providing a payment / financial transaction using the recharge amount through a charge card. For example, if the parent of the recharge / use card is charged with a charge card, and the child has a use card, the parent can charge the charge amount through the charge card, the child is the use Through the card, the charged amount charged by the parent can be used anywhere in Korea.

Claims (10)

A charge / use card consisting of a use card assigned with a BIN (Bank Identification Number) of a card brand company that allows card transactions at domestic and overseas credit card merchants, and a charge card charged with a recharge amount to be set to the transaction approval limit of the use card. In the method of operating the charge / use card using a wireless terminal of the card issuer server that issued the, Storing, by the card issuer server, the charge card information of the issued charge / use card and the use card information in a storage medium; When the charge amount is charged through the charge card, the card issuer server connects and stores the charge amount information to the stored charge card information, and stores the wireless terminal information of the customer who has received the charge / use card. Registering the wireless terminal of the customer as a second use card of the charge / use card sharing the charge amount with a transaction approval limit; Receiving, by the card issuing server, an authorization request message including the wireless terminal information and a transaction amount; Confirming, by the card issuing server, a charge amount of a charge / use card including the wireless terminal information of the authorization request message as a second use card from the storage medium; And Operating the charge / use card using a wireless terminal, wherein the card issuer server processes the transaction approval using the recharge amount as a transaction approval limit of the transaction amount included in the approval request. Way. A charge / use card consisting of a use card assigned with a BIN (Bank Identification Number) of a card brand company that allows card transactions at domestic and overseas credit card merchants, and a charge card charged with a recharge amount to be set to the transaction approval limit of the use card. In the method of operating the charge / use card using a wireless terminal of the card issuer server that issued the, Storing, by the card issuer server, the charge card information of the charge / use card issued without the use card and the blank use card information in a storage medium; When the charge amount is charged through the charge card, the card issuer server connects and stores the charge amount information to the stored charge card information, and the wireless terminal of the customer who issued the charge / use card to the blank use card information. Recording information and registering the wireless terminal of the customer as a use card of the charge / use card; Receiving, by the card issuing server, an authorization request message including the wireless terminal information and a transaction amount; Confirming, by the card issuer server, the charge amount of the charge / use card including the wireless terminal information of the authorization request message as a use card from the storage medium; And And processing, by the card issuer server, a transaction approval by using the recharge amount as a transaction approval limit of the transaction amount included in the full approval request. The blank use card information, And a card information structure including a blank for setting the wireless terminal information as a use card of the charge / use card. The method according to claim 1 or 2, If the transaction is approved, the card issuer server further comprises the step of subtracting the approved amount by using the wireless terminal as a use card from the charge amount charged through the charging card using a wireless terminal, characterized in that How to charge / use a card. The method according to claim 1 or 2, Generating, by the card issuer server, slip purchase information on an approved amount using the wireless terminal as a use card; And And processing, by the card issuer server, the purchase of the slip for the approved amount by using the wireless terminal as the use card of the charge / use card through the purchase purchase information. How to operate the charge / use card. The card according to claim 1 or 2, wherein the charge / use card is used. Charge / use removable card consisting of a use card and the charge card corresponding to the customer wireless terminal is a separate terminal medium and a card medium, or A charge / use integrated card in which a use card corresponding to the customer wireless terminal and the charge card are recorded in a memory provided in one terminal medium; or Using a wireless terminal, characterized in that the use card and the second use card corresponding to the customer wireless terminal and the charge card comprises any one of the charge / use removable card consisting of a separate terminal medium and a card medium How to charge / use a card. delete A charge / use card consisting of a use card assigned with a BIN (Bank Identification Number) of a card brand company that allows card transactions at domestic and overseas credit card merchants, and a charge card charged with a recharge amount to be set to the transaction approval limit of the use card. In the charge / use card operating system using a wireless terminal of the card issuer server that issued the card, Information storage means for connecting the charge card information and the use card information of the issued charge / use card to the storage medium; When the charge amount is charged through the charge card, the charge amount information is stored and connected to the stored charge card information, and the wireless terminal information of the customer who has received the charge / use card is connected to the use card information to charge / charge the charge / use card. Use card registration means for registering with a second use card of the use card; Full-text receiving means for receiving a full text of the approval request including the wireless terminal information and the transaction amount; Information confirmation means for confirming a charge amount of a charge / use card including the wireless terminal information of the authorization request message as a second use card from the storage medium; And And a transaction approval processing means for processing a transaction approval by using the recharge amount as a transaction approval limit of the transaction amount included in the full text of the request for approval. A charge / use card consisting of a use card assigned with a BIN (Bank Identification Number) of a card brand company that allows card transactions at domestic and overseas credit card merchants, and a charge card charged with a recharge amount to be set to the transaction approval limit of the use card. In the charge / use card operating system using a wireless terminal of the card issuer server that issued the card, Information storage means for connecting the charge card information of the charge / use card issued without the use card and the blank use card information to store in a storage medium; When the charge amount is charged through the charge card, the charge amount information is stored and connected to the stored charge card information, and the wireless terminal information by recording the wireless terminal information of the customer who issued the charge / use card to the blank use card information Use card registration means for registering the card as a use card of the charge / use card; Full-text receiving means for receiving a full text of the approval request including the wireless terminal information and the transaction amount; Information checking means for checking a charge amount of a charge / use card including the wireless terminal information of the approval request message as a use card from the storage medium; And Transaction approval processing means for processing transaction approval by using the charged amount as a transaction approval limit of the transaction amount included in the approval request text; The blank use card information, And a card information structure comprising a blank for setting the wireless terminal information as a using card of the charging / using card through the BIN. The method of claim 7 or 8, wherein the transaction approval processing means, If the transaction is approved, the charge / use card operating system using a wireless terminal, characterized in that by subtracting the approved amount by using the wireless terminal as a use card from the charge amount charged through the charging card. The method according to claim 7 or 8, Slip purchase information generating means for generating slip purchase information on an approved amount using the wireless terminal as a use card; And Receipt processing means for using the wireless terminal as a credit card through the purchase information through the purchase purchase processing means for processing the purchase of the slip for the approved amount of money; characterized in that it further comprises.

Images