KR101045814B1 - Charging / use card charging method and system using wireless terminal - Google Patents

Abstract

The present invention relates to a charging and using card charging method and system using a wireless terminal, the charging and using card charging method using a wireless terminal according to the present invention, a card brand company that can do card transactions in domestic and overseas credit card merchants BIN Using a wireless terminal of a card issuing server that issued a charge / use card consisting of a usage card assigned with a (Bank Identification Number) and a one-time charge card that is charged once to be set to the transaction approval limit of the use card In the charging / use card charging method, the disposable charge card information of the issued charge / use card and the use card information are connected and stored in a storage medium, and the use card information is set so that a card transaction through the use card is not provided. And, the charge amount is charged to the disposable charging card through the terminal of the card store (or merchant) Connecting the stored amount information to the stored disposable recharge card information and updating the use card information to provide a card transaction through the use card; and a customer who owns the charge / use card received from the terminal. Registering the wireless terminal information on the disposable charging card information to register the wireless terminal of the customer as a charging card of the charge / use card; and wireless banking (or communication fee payment) through the wireless terminal of the customer. And using the charging means to charge the charging amount to be set as the transaction approval limit of the use card.

Wireless terminal, charging, use, card

Description

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

1 is a diagram illustrating a configuration of a 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 an embodiment of the present invention.

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

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

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

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

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

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

10A and 10B are diagrams illustrating a charging process of a charge / use card according to another exemplary embodiment of the present invention.

11 is a view showing a charge / use card name confirmation system according to an embodiment of the present invention.

12 is a view showing a name confirmation process of the charge / use card according to an embodiment of the present invention.

FIG. 13 illustrates a configuration of a charge / use card charging system for charging a charge / use card through a customer wireless terminal registered as a charge card (or a recharge card) of a charge / use card according to an embodiment of the present invention.

14 is a view illustrating a process of charging using a customer wireless terminal as a charging card (or a rechargeable card) of a charging / using card according to an embodiment of the present invention.

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

16 is a diagram illustrating a transaction request process between an affiliated store terminal and a bansa server according to an exemplary embodiment of the present invention.

17 is a diagram illustrating a transaction processing process of a card issuer server according to an exemplary embodiment of the present invention.

18 is a diagram illustrating a transaction process through a use card of a charge / use card according to an embodiment of the present invention.

19 is a diagram illustrating a domestic card-type slip purchase process for the use card transaction of the charge / use card according to an embodiment of the present invention.

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

21 is a diagram illustrating a transaction request process between an affiliated store terminal and a bansa server according to another exemplary embodiment of the present invention.

22 is a diagram illustrating a transaction process through a use card of a charge / use card according to another exemplary embodiment of the present invention.

FIG. 23 is a diagram illustrating a domestic card method purchase process for a use card transaction of a charge / use card according to another exemplary embodiment of the present invention.

<Description of main parts of drawing>

100: name verification server 105: card production server

110: charge / use card charging server 115: card issuer server

120: Charge Affiliate Server 125: Bansa Server

130: merchant terminal 135: client terminal

140: 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 charging a use card, comprising: storing in a storage medium in association with use card information corresponding to a use card of the charge / use card and disposable charge card information corresponding to a charge card of the charge / use card, and charging the charge card. Deactivating the charging function of the card and the using function of the use card; activating the charging function of the charging card and the using function of the use card when charging a charge amount through the disposable charging card; Substitute the customer wireless terminal information of the customer who purchased (or received) in the disposable charging card information to replace the customer wireless terminal Registering as a recharge card of the pre-charge / use card and the wireless terminal comprising the step of charging a charge amount to the charge / use card using wireless banking (or communication fee payment) through the customer wireless terminal as a charging means It relates to a charging / using card charging method using.

With 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, and the card payment system is a card brand company (for example, Visa card, Master card except some domestic dedicated cards). 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 abroad. 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 recharging the charge / use card by an issuing card issuer, use card information corresponding to the use card of the charge / use card and disposable charge card information corresponding to the charge card of the charge / use card are linked. Information storage means for storing in a storage medium and deactivating the charging function of the charging card and the use function of the use card, and when charging the charge amount through the disposable charging card, the charging function of the charging card and the use function of the use card. Charging / use card charging means for activating the information of the customer's wireless terminal of the customer who purchased (or received) the charge / use card Using the charge card registration means for registering the customer wireless terminal as a recharge card of the charge / use card by alternatively recording the disposable charge card information and the wireless banking (or communication fee payment) through the customer wireless terminal as a charging means. The present invention provides a charge / use card charging system using a wireless terminal including a charge processing means for charging a charge amount to the charge / use card.

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Recharge / use card charging method 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 the charging / use card charging method using a wireless terminal of a card issuer server that issues a charge / use card consisting of a disposable charge card that is charged once to be charged, the charge / use card of the issued charge / use card is disposable. Connecting the card information and the use card information to a storage medium, and setting the use card information so that a card transaction through the use card is not provided, and through the terminal of a card store (or affiliated store) to the disposable charging card. When the charge amount is charged, the charge amount information is connected to the stored disposable charge card information and stored. Updating the use card information so that a card transaction through a credit card is provided; and alternatively recording the wireless terminal information of the customer who owns the charge / use card received from the terminal into the disposable charge card information so that the customer's wireless Registering a terminal as a charge card of the charge / use card, and using a wireless banking (or communication fee payment) through the wireless terminal of the customer as a charging means, a charge amount to be set as a transaction approval limit of the use card Processing to be filled.
Or, the charging / using card charging method using a wireless terminal according to the present invention, the use of 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, transactions of the use card A charging / using card charging method using a wireless terminal of a card issuing server that issues a charging / using card consisting of a virtual blank charging card that is charged with a charging amount to be set as an approval limit, Connecting the blank charging card information and the use card information to store in the storage medium, and setting the use card information so that the card transaction through the use card is not provided, and through the terminal of the card retailer (or the affiliate store) the charging / If the name of the customer who owns the redemption card is confirmed, he / she owns the charge / redemption card received from the terminal. Registering wireless terminal information of the customer in the blank charging card information and registering the wireless terminal of the customer as a charging card for recharging a charge amount to be used as a transaction approval limit of the use card; and wireless banking through the wireless terminal of the customer. (Or communication fee payment) using the charging means to process the charge amount to be set to the transaction approval limit of the use card is charged, the blank charge card is not included in the charge / use card configuration, It is present only as blank charge card information stored in the storage medium.
According to the present invention, the charging / use card charging method using the wireless terminal, when the charge amount is charged, receiving an authorization request message including card information and transaction amount information, and the use from the authorization request message Extracting card information including a BIN of a card and checking whether the card information matches the card information of the issued charge / use card; and if the extracted card information matches the card information of the charge / use card, The method may further include processing an approval for the transaction amount included in the full approval request by using the recharge amount as the transaction approval limit of the use card.
According to the present invention, the disposable charging card information may include a disposable charging card number and a charging property code set to allow only one charging. Alternatively, the blank charge card information may include a charge card number including a blank area in which the wireless terminal information of the customer is to be recorded, valid period information synchronized with the expiration date of the use card, and whether to provide a card transaction through the use card. It may include active / inactive information.
Charge / use card charging system using a wireless terminal according to the present invention, the use card assigned to the card brand of BIN (Bank Identification Number) of the card brand company that can do card transactions in domestic and overseas credit card merchants, and the transaction approval limit of the use card A charge / use card charging system using a wireless terminal of a card issuing server that issues a charge / use card consisting of a disposable charge card, wherein the charge amount to be set is charged once, wherein the disposable charge of the issued charge / use card is performed. Information storage means for connecting the card information and the use card information to store in the storage medium, and setting the use card information so that the card transaction through the use card and the terminal of the card retailer (or affiliated store) the one-time charge When the charge amount is charged to the card, the charge amount information is connected to the stored disposable charge card information. And charge / use card charging means for updating the use card information to provide a card transaction through the use card, and wireless terminal information of a customer who owns the charge / use card received from the terminal. A charge card registration means for registering the wireless terminal of the customer as a charge card of the charge / use card by using an alternative record, and using the wireless banking (or communication fee payment) through the wireless terminal of the customer as a charging means; And charging processing means for processing the charging amount to be set to the transaction approval limit of the card to be charged.
Charge / use card charging system using a wireless terminal according to the present invention, the use card assigned to the card brand of BIN (Bank Identification Number) of the card brand company that can do card transactions in domestic and overseas credit card merchants, and the transaction approval limit of the use card A charge / use card charging system using a wireless terminal of a card issuer server that issues a charge / use card composed of a virtual blank charge card to which a charge amount to be set is charged, the blank charge of the issued charge / use card Information storage means for connecting the card information and the use card information to store in the storage medium, and setting the use card information so that the card transaction through the use card, and the terminal through the card retailer (or merchant) of the charge / When the name of the customer who owns the use card is confirmed, the charge / use card received from the terminal is removed. Charge card registration means for recording the wireless terminal information of the finite customer in the blank charge card information and registering the wireless terminal of the customer as a charge card for charging a charge amount to be used as the transaction approval limit of the use card; And a charging processing means for processing the charging amount to be set as the transaction approval limit of the use card by using wireless banking (or communication fee payment) through the terminal, wherein the blank charging card is charged / used. It is not included in the card configuration and exists only as blank charge card information stored in the storage medium.
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 the configuration omitted as described above The relationship between the elements and the components added for the present invention will also be clearly understood.

In addition, the following examples will be used to appropriately modify, integrate, or separate the terminology so that those skilled in the art to which the present invention pertains may clearly understand the present invention. The present invention is by no means limited thereto. 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 illustrating a configuration of a 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. Produces a charge / use card comprising a sale (or payment) to the customer, and when the customer charges a predetermined amount of charge through the charge card of the charge / use card, the charge amount charged through the charge card As a system configuration for use in payment settlement / financial transactions through the use card, having a general knowledge in the technical field to which the present invention belongs May be inferred with reference to and / or modifications to various embodiments of the charging / using card operating system configuration (e.g., some components are omitted, subdivided, or combined). The present invention includes all the implementation methods inferred above, the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 1, the charge / use card operating system is provided in a card issuer operating the charge / use card, and the card making server 105 produces the charge / use card and the charge / use card. A charge / use card charging server 110 which processes a customer who purchased (or received) a card to charge a predetermined amount of charge through the charge card of the charge / use card, and a charge card of the charge / use card And a card issuer server 115 for processing payment / financial transactions through the use card of the charge / use card through the charged amount charged through the charge / use card. Merchant terminal 130 (or merchant server) for providing a financial transaction, characterized in that it further comprises a Bansa server 125, the charge card of the charge / use card is disposable In the case of all cards, the charge / use card charging server 110 charges the use / use card of the customer wireless terminal of the customer who purchased (or received) the charge / use card in the initial charging process through the disposable charge card. It is desirable to set (or register) a recharge card for.

Alternatively, the charge / use card operating system confirms the name of the customer who purchased (or received) the charge / use card, and the customer who purchased (or received) the charge / use card in the name verification process. It is preferable to further comprise a name confirmation server 100 for setting (or registering) the customer wireless terminal of the charge / use card to the recharge card.

According to another embodiment of the present invention, the charge / use card charging server 110 may be implemented in the form of a charging affiliate server 120 provided in a separate charging affiliate affiliated with the card issuer, in which case the charging Affiliate server 120 is characterized in that the card issuer server 115 and the charge amount is synchronized.

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.

According to an embodiment of the present invention, the merchant terminal 130 reads card information from the use card through a card reader for payment / financial transaction through the use card of the charge / use card, and the card information. And transaction information (eg, transaction amount information, merchant information (or charging / use card use target terminal information), and generate an authorization request full text and transmit it to the bansa server 125.

In addition, the merchant server is a generic term for a web server that provides payment / financial transactions through a use card of the charge / use card on a communication network, and includes a shopping mall server, a paid content providing server, and a shopping mall server (or a content providing server). It is preferable to include one or more payment agent server, home shopping server, non-face-to-face banking server and the like associated with.

According to an exemplary embodiment of the present invention, the affiliated store server may use card information and transaction information corresponding to the use card of the charge / use card according to the online payment protocol for payment / financial transaction through the use card of the charge / use card. For example, it is preferable to process the authorization request message including transaction value information and merchant information (or charging / use card use terminal information) to be transmitted to the card issuer server 115.

The bansa server 125 may include a public switched telephone network (PSTN), an intelligent network, an xDSL-based wired communication 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 of the merchant terminal 130 provided in the affiliated store and the communication channel, x.25 based communication network, encryption / By connecting a communication channel with at least one professional relay target server through a dedicated network including at least one decryption-based communication network, the affiliated store terminal 130 and the specialized relay target server.

According to an embodiment of the present invention, the bansa server 125 recognizes the use card of the charge / use card as a use card of the charge / use card operated by the card issuer, and recognizes card information corresponding to the use card. It is possible to directly transmit the authorization request containing the card to the card issuer server 115.

According to another embodiment of the present invention, when the use card of the charge / use card is not recognized, the bansa server 125 recognizes the use card of the charge / use card as an overseas card and purchases the full text of the request for approval. In this case, the voucher purchaser transfers the full text of the approval request to the card brand company assigned the BIN of the use card, and the card brand transmits the full text of the approval request to the card issuer server 115. It will be apparent that the charge / use card transaction according to the present invention can be carried out including an implementation method in which the use card of the charge / use card is recognized as an overseas card.

The card production server 105 provided (or affiliated) with the card issuer may charge the payment / finance transaction use card and a charge card for charging the payment / finance transaction approval for the use card. A separate card, a charge / use detachable card made in association with a separate card medium, or a payment card for charging the payment / financial transaction use card, and a charge card for charging the payment / finance transaction approval for the use card. A generic term for an apparatus (or server) that manufactures a charge / use card that includes any one of the charge / use integrated cards included in a medium, provided to the card issuer, or to a card maker affiliated with the card issuer. It is characterized by.

According to one embodiment of the invention, the charge card of the charge / use card produced in the card production server 105 preferably comprises a disposable charge card, through the charge / use card charging server 110 Recharge card of the charge / use card for the first time charging by using the disposable charge card or the customer wireless terminal of the customer who purchased (or received) the charge / use card during the name verification process for the charge / use card. It is preferable to set (or register) to.

According to another embodiment of the present invention, the charge card of the charge / use card produced in the card production server 105 preferably comprises a blank (Card) charge card, the name for the charge / use card It is preferable to set (or register) the customer wireless terminal of the customer who purchased (or received) the charge / use card as the recharge card of the charge / use card in the verification process.

The charge / use card charging server 110 provided at the card issuer is charged / used through the charging terminal 140 provided at the charge / use card retailer (or affiliated store) or the client terminal 135 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 an embodiment of the present invention, when the charge card of the charge / use card includes a disposable charge card, the charge / use card charging server 110 may charge the charge / use card in the charging process through the disposable charge card. It is preferable to further perform the function of setting (or registering) the customer wireless terminal of the customer who purchased (or received) the recharge card of the charge / use card.

The card issuer server 115 provided at the card issuer operates the charge amount charged through the charge card of the charge / use card through the charge / use card charge server 110 and controls the charge amount. A generic term for a server (or device) that processes payment / financial transactions requested through a use card of the charge / use card, and is provided to a card issuer operating the charge / use card.

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

In more detail, Figure 2 is a charge / use made by linking the use card for payment / financial transactions, and a disposable charge card for charging the payment amount for payment / financial transactions approval for the use card through a separate card medium Any one of a detachable card or an integrated card having a payment card / use for financial transaction and a disposable card for charging a payment / finance transaction for the use card in a single card medium Producing a charge / use card comprising a, deactivates the charge function and the use of the use card of the disposable charge card included in the charge / use card, and stores the disabled one-time charge card information and the use card information in association After storing in the medium 240, the charge / company to deliver a card pack containing the charge / red card to each charging / red card retailer As a card manufacturing system for those skilled in the art, one of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawing 2 to infer various implementation methods for the charge / use card manufacturing system configuration. As will be appreciated, the present invention includes all implementation methods inferred above and is not limited to the implementation method illustrated in FIG.

Hereinafter, a separate charging card for charging the payment / finance transaction use card and the payment / finance payment authorization amount for the use card on the charge / use card production system shown in FIG. Charge / use detachable card made in connection with the card medium, or the payment card for the payment / financial transaction, and the disposable card for charging the payment amount for the payment / finance transaction approval for the use card to a single card medium. One or more means for manufacturing a charge / use card including any one of the provided charge / use integrated cards and / or components corresponding to the functional configuration are referred to as " card making server 105 " 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. Charge made by linking with the employee terminal 250 through the use of a separate payment card for charging payment / financial transaction use card, and the charging amount for payment / financial transaction approval for the use card through a separate card medium A charge / use integrated card having a separate useable card or a use card for payment / financial transaction and a single-use charge card for charging a payment / finance transaction approval amount for the use card on a single card medium. It is characterized in that it comprises a card making server 105 for producing a charge / use card containing one.

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) 105 preferably comprises a server provided on the card issuer (or card maker affiliated with the card issuer) that operates the charge / use card, the employee terminal 250 and the card production server 105 The communication network for connecting the employee terminal 250 and the card production server 105 preferably comprises a communication network for connecting the communication channel.

The card production server 105 is a charge made by linking the use card for payment / financial transactions and the disposable charge card for charging the payment amount for the payment / financial transaction approval for the use card through a separate card medium A charge / use integrated card having a separate useable card or a use card for payment / financial transaction and a single-use charge card for charging a payment / finance transaction approval amount 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 one, implemented with at least one server (or device), or And / or at least one program recorded on a recording medium provided in a predetermined server (or apparatus), thereby The present invention is not limited.

According to an embodiment of the present invention, the card making server 105 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 according to an embodiment of the present invention, the card production server 105 may input (or select) predetermined card production information from the employee terminal 250 in cooperation with the interface unit 200. An interface providing unit 205 (or an interface providing unit) for generating (or extracting) a predetermined user interface to be transmitted to the employee terminal 250, and the employee terminal (in conjunction with the interface unit 200). An information receiving unit 210 (or information receiving means) for receiving predetermined card making information inputted (or selected) and transmitted through the user interface at 250; and the card issuer based on the received card making information. Payment card / financial use card information including BIN information associated with the BIN information assigned to the credit card used in the charge / use card and payment for the use card The first card is used to generate the first card through the information generating unit 215 (or information generating means) for generating disposable charging card information for charging a payment amount for payment / financial transaction approval and a predetermined card making device 235. Recording on a medium and recording the disposable charging card information on a second card medium to produce a charge / use removable card, or recording the usage card information and the disposable charging card information on a single card medium to form a charge / use integrated card. The card making unit 220 (card manufacturing means) to be produced and stored in the storage medium 240 in connection with the disposable card information and the use card information included in the charge / use card, and the charging function of the disposable charge card and Deactivating the use function of the use card, and set the charge amount information through the disposable charging card to '0' to the storage medium 240 in association with the disposable charging card information Characterized in that it comprises the information storage unit 225 (or information storage means) for storing, including the use card and disposable charging card produced by the card production unit 220 in one charge / use card pack It is characterized in that it further comprises a card delivery unit 230 (or card delivery means) for processing the delivery to one or more predetermined charge / use card stores (or merchants) to the customer applying for the charge / use card.

The interface providing unit 205 is connected to the card production server 105 via the interface unit 200, the employee terminal 250, the card corresponding to the functional configuration provided in the employee terminal 250 Create a predetermined user interface capable of inputting (or selecting) production information and transmitting it to the card making server 105 via the communication network, and / or extracting from a predetermined database (not shown). 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 transmits the input (or selected) card making information to the card making server 105 through the communication network. send.

According to another exemplary 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 105 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 includes BIN information associated with the BIN information assigned to the card issuer and assigned to the use card of the charge / use card, and the BIN (Bank Identification Number) information. It is preferable that the serial number area information of the use card number to be associated with the one-time charge card number system information, and the serial number area information of the disposable charge card number.

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

Serial number area information of the use card number, among the BIN information assigned to the card issuer, among the card numbers to be assigned to the use card in association with the BIN information associated with the allocation to the use card of the charge / use card, It comprises the information to set the serial number area, the serial number of the use card number is preferably one-to-one matching with the serial number of the disposable charging card number.

The one-time charge card number system information may include number system information corresponding to a one-time charge card number for charging a charge amount within a predetermined charge limit amount according to a charging method of a one-time charge card designated by the card issuer. Preferably, the one-time charge card number system is set to recognize the one-time charge card in the terminal device, communication network and various relay servers used to charge the charge amount according to the charging method of the disposable charge card designated by the card issuer It is preferable to include at least one domestic dedicated card number system, virtual account number system, media identification number system (eg, mobile phone number system).

The serial number area information of the one-time charge card number includes information for setting a serial number area among card numbers to be assigned to the one-time charge card corresponding to the one-time charge card number system, and the one-time charge card number The serial number of is preferably one-to-one matching with the serial number of the use card number.

If the charge / use card is a charge / use all-in-one card having a use card for payment / financial transaction and a disposable charge card for charging a payment / finance transaction approval amount for the use card in a single card medium; , The disposable charging card number including the serial number according to the disposable charging card number system may include the same card number as the card number included in the use card information.

The information generation unit 215 is affiliated to assign to the use card of the charge / use card of the BIN information assigned to the card issuer based on the card production information received through the information receiving unit 210. A usage card number including the serial number of any one of the BIN information and the serial number area of the usage card number, the expiration date of the usage card, the CVC / CVV value and the usage card attribute code (e.g., payment attribute, financial transaction attribute); Generates use card information including at least one use card activation / inactivity information, and a one-time charge card number including any one serial number of the serial number area of the one-time charge card number corresponding to the one-time charge card number system; At least one charging attribute code (e.g., one charging attribute, repeated charging attribute, charging channel attribute corresponding to each charging method) and charging card activation / deactivation information. Characterized by generating the disposable charging card information.

According to an embodiment of the present invention, when the charge / use card is a charge / use detachable card for recording the disposable charge card information and the use card information on different card media, the first card medium for recording the use card information Is an MS (Magnetic Stripe) card to an IC (Integrated Circuit) card, and the second card medium for recording the disposable charging card information also preferably comprises any one of the MS card to the IC card, in this case the use Card information and disposable charge card information is preferably generated including a card information structure to be recorded in the MS card or IC card.

According to another embodiment of the present invention, when the charge / use card is a charge / use integrated card for recording the disposable charge card information and the use card information on a single card medium, the use when the single card medium is an MS card, The card information is recorded in track 2 of the MS, and the disposable charging card information is preferably 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 Preferably, the disposable charging card information is generated including a card information structure to be recorded in the track 3.

Alternatively, the charge / use card is a charge / use integrated card for recording the disposable charge card information and the use card information on a single card medium, and the single card medium is a mixed card provided with an MS and an IC on one card medium. In this case, the use card information is recorded in the IC chip, the disposable charge card information is preferably recorded in the MS of a single card medium equipped with the IC chip, in which case the use card information is recorded in the IC chip A card information structure (e.g., a file structure operable through a Chip Operating System (COS) on an IC chip), wherein the disposable charge card information is a card information structure (e.g., a track-specific information structure) to be recorded in the MS. It is preferably generated including.

Alternatively, the charge / use card is a charge / use integrated card for recording the disposable charge card information and the use card information on a single card medium, and the single card medium is a mixed card provided with an MS and an IC on one card medium. In this case, the use card information is recorded in the MS, the disposable charge card information is preferably recorded in the IC chip of the single card medium provided with the MS, in this case the use card information is card information to be recorded in the MS A structure (eg, track-specific information structure), and the disposable charging card information is generated including a card information structure (eg, a file structure operable through a COS on the IC chip) to be recorded on the IC chip. desirable.

Alternatively, when the charge / use card is a charge / use integrated card for recording the disposable charge card information and the use card information on a single card medium, and the single card medium is an IC card, the use card information is used on the IC chip. It is preferable that the disposable charge card information is recorded in the card area, and the disposable charge card information is recorded in the disposable charge card area on the IC chip. In this case, the use card information includes a card information structure to be recorded in the use card area on the IC chip. Preferably, the disposable charging card information is generated including a card information structure to be recorded in the disposable charging card area on the IC chip.

According to another embodiment of the present invention, when the charge / use card is a charge / use integrated card for recording the disposable charge card information and the use card information on a single card medium, the use card information and the disposable charge card information are It is possible to be recorded on the IC chip (or MS) including the same card number, in which case the use card information and the disposable charge card information is preferably generated including the same card number.

When the use card information and the disposable charging card information are generated through the information generating unit 215, the card manufacturing unit 220 provides the use card information and the disposable charging card information to the card making device 235, thereby using the use. It characterized in that the charge / use card to produce the charge / use card by recording the use card and the disposable charge card recorded card information and disposable charge card information on one or more card media.

According to an embodiment of the present invention, when the charge / use card is a charge / use detachable card for recording the disposable charge card information and the use card information on different card media, the card manufacturing unit 220 is a card making apparatus ( 235) to write the use card information and the disposable charge card information to each MS card or IC card to record on different card media, respectively to produce a use card and disposable charge card constituting the charge / use removable card It is preferable.

According to another embodiment of the present invention, the charge / use card is a charge / use integrated card for recording the disposable charge card information and the use card information on a single card medium, and when the single card medium is an MS card, the card The production unit 220 records the use card information on the track 2 of the MS through the card making device 235, and writes the disposable charge card information on the track 3 of the MS to form the charge / use integrated card. And it is desirable to produce a disposable charging card.

Alternatively, the charge / use card is a charge / use integrated card for recording the disposable charge card information and the use card information on a single card medium, and the single card medium is a mixed card provided with an MS and an IC on one card medium. In this case, the card manufacturing unit 220 records the used card information on the IC chip through the card manufacturing apparatus 235, and records the disposable charging card information on the MS of the single card medium provided with the IC chip to charge the card. It is desirable to manufacture a use card and a disposable charge card constituting the use-integrated card.

Alternatively, the charge / use card is a charge / use integrated card for recording the disposable charge card information and the use card information on a single card medium, and the single card medium is a mixed card provided with an MS and an IC on one card medium. In this case, the card manufacturing unit 220 records the use card information to the MS through the card making device 235, and writes the disposable charge card information to the IC chip of the single card medium provided with the MS to charge / charge the card. It is preferable to produce a use card and a disposable charge card constituting the use-integrated card.

Alternatively, when the charge / use card is a charge / use integrated card for recording the disposable charge card information and the use card information on a single card medium, and the single card medium is an IC card, the card manufacturing unit 220 may produce a card. A use card configured to record the use card information in the use card area on the IC chip through the device 235, and record the disposable charge card information in the disposable charge card area on the IC chip to form the charge / use integrated card; It is desirable to make a disposable charging card.

According to another exemplary embodiment of the present invention, when the charge / use card is a charge / use integrated card for recording the disposable charge card information and the use card information on a single card medium, the card manufacturing unit 220 generates a card. It is preferable to produce the use card and the disposable charge card constituting the charge / use integrated card by recording the use card information and the disposable charge card information including the same card number on the IC chip (or MS) through 235. Do.

When the use card information and the disposable charge card information are generated through the information generation unit 215, the information storage unit 225 stores the use charge card information and the use card information included in the charge / use card in association. Store in the medium 240, deactivate the charging function of the disposable charging card and the use of the use card, and set the charge amount information through the disposable charging card to '0' to store in association with the disposable charging card information The medium 240 is characterized in that the storage.

When a charge / use card including the use card and the disposable charge card is manufactured through the card maker 220, the card delivery unit 230 uses the use card and the disposable charge card produced by the card maker 220. By providing the charge / use card pack information including the charge / use card pack in one card pack to the card delivery management server 245, the customer who applied for the charge / use card from one or more predetermined charge / use card stores (or merchants) Characterized in that the charge / use card packs to the shipping process, and then the charge / use card stores (or merchants) to sell (or pay) the charge / use card packs, included in the charge / use card Process to charge the charge amount for use of the use card through the disposable charge card.

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

More specifically, Figure 3 is a one-time charge for charging the payment / financial transaction use card and the payment amount for the payment / financial transaction approval for the charge / use card production system shown in Figure 2 and the use card A single card medium includes a charge / use detachable card or a use card for payment / financial transaction and a disposable charge card for charging a payment amount for payment / finance transaction approval for the use card. Making a charge / use card including any one of the charge / use integrated cards, deactivate the charge function and the use function of the use charge card included in the charge / use card, and disable the disabled charge card information. After storing in the storage medium 240 in association with the use card information, each charge / use card to the card pack including the charge / use card As a process of shipping to a retailer, one of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 3 to infer various implementation methods for the charging / using card manufacturing process. As will be appreciated, the present invention includes all the inferred implementation methods, and is not limited to the implementation method illustrated in FIG.

In the following Figure 3, the card making server 105 shown in Figure 2 is referred to as " 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 production information input (or selected) is received (300).

According to an embodiment of the present invention, the card production information includes BIN information associated with the BIN information assigned to the card issuer and assigned to the use card of the charge / use card, and the BIN (Bank Identification Number) information. It is preferable that the serial number area information of the use card number to be associated with the one-time charge card number system information, and the serial number area information of the disposable charge card number.

The BIN information is BIN information of a card number assigned to a use card belonging to the charge / use card, and the BIN information is assigned to a use card of the charge / use card among BIN information assigned to the card issuer. Preferably, the associated BIN is included, whereby the use card belonging to the charge / use card is characterized in that the use card is recognized as the card.

Serial number area information of the use card number, among the BIN information assigned to the card issuer, among the card numbers to be assigned to the use card in association with the BIN information associated with the allocation to the use card of the charge / use card, It comprises the information to set the serial number area, the serial number of the use card number is preferably one-to-one matching with the serial number of the disposable charging card number.

The one-time charge card number system information may include number system information corresponding to a one-time charge card number for charging a charge amount within a predetermined charge limit amount according to a charging method of a one-time charge card designated by the card issuer. Preferably, the one-time charge card number system is set to recognize the one-time charge card in the terminal device, communication network and various relay servers used to charge the charge amount according to the charging method of the disposable charge card designated by the card issuer It is preferable to include at least one domestic dedicated card number system, virtual account number system, media identification number system (eg, mobile phone number system).

The serial number area information of the one-time charge card number includes information for setting a serial number area among card numbers to be assigned to the one-time charge card corresponding to the one-time charge card number system, and the one-time charge card number The serial number of is preferably one-to-one matching with the serial number of the use card number.

If the charge / use card is a charge / use all-in-one card having a use card for payment / financial transaction and a disposable charge card for charging a payment / finance transaction approval amount for the use card in a single card medium; , The disposable charging card number including the serial number according to the disposable charging card number system may include the same card number as the card number included in the use card information.

Thereafter, the server, based on the received card making information, among the BIN information assigned to the card issuer, among the BIN information and the serial number area of the use card number, which are assigned to the use card of the charge / use card. Generate use card information including at least one of the use card number including any serial number, the expiration date of the use card, the CVC / CVV value and the use card attribute code (e.g., payment attribute, financial transaction attribute), The one-time charge card number including the serial number of any one of the serial number areas of the one-time charge card number system corresponding to the one-time charge card number system, and a charge attribute code (for example, one charge attribute, repeated charge attribute, each charge) One-time charging card information including one or more charging channel attributes corresponding to the method is generated (305).

According to an embodiment of the present invention, when the charge / use card is a charge / use detachable card for recording the disposable charge card information and the use card information on different card media, the first card medium for recording the use card information Is an MS (Magnetic Stripe) card to an IC (Integrated Circuit) card, and the second card medium for recording the disposable charging card information also preferably comprises any one of the MS card to the IC card, in this case the use Card information and disposable charge card information is preferably generated including a card information structure to be recorded in the MS card or IC card.

According to another embodiment of the present invention, the charge / use card is a charge / use integrated card for recording the disposable charge card information and the use card information on a single card medium, and when the single card medium is an MS card, the use The card information is recorded in track 2 of the MS, and the disposable charging card information is preferably 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 Preferably, the disposable charging card information is generated including a card information structure to be recorded in the track 3.

Alternatively, the charge / use card is a charge / use integrated card for recording the disposable charge card information and the use card information on a single card medium, and the single card medium is a mixed card provided with an MS and an IC on one card medium. In this case, the use card information is recorded in the IC chip, the disposable charge card information is preferably recorded in the MS of a single card medium equipped with the IC chip, in which case the use card information is recorded in the IC chip A card information structure (e.g., a file structure operable through a Chip Operating System (COS) on an IC chip), wherein the disposable charge card information is a card information structure (e.g., a track-specific information structure) to be recorded in the MS. It is preferably generated including.

Alternatively, the charge / use card is a charge / use integrated card for recording the disposable charge card information and the use card information on a single card medium, and the single card medium is a mixed card provided with an MS and an IC on one card medium. In this case, the use card information is recorded in the MS, and the disposable charge card information is preferably recorded in the IC chip of the single card medium provided with the MS, in which case the use card information is stored in the MS card. A beam structure (e.g., track-specific information structure), and the disposable charging card information is 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. It is preferable.

Alternatively, when the charge / use card is a charge / use integrated card for recording the disposable charge card information and the use card information on a single card medium, and the single card medium is an IC card, the use card information is used on the IC chip. It is preferable that the disposable charge card information is recorded in the card area, and the disposable charge card information is recorded in the disposable charge card area on the IC chip. In this case, the use card information includes a card information structure to be recorded in the use card area on the IC chip. Preferably, the disposable charging card information is generated including a card information structure to be recorded in the disposable charging card area on the IC chip.

According to another embodiment of the present invention, when the charge / use card is a charge / use integrated card for recording the disposable charge card information and the use card information on a single card medium, the use card information and the disposable charge card information are It is possible to be recorded on the IC chip (or MS) including the same card number, in which case the use card information and the disposable charge card information is preferably generated including the same card number.

If the use card information and the disposable charge card information is generated 310, the server provides the use card information and the disposable charge card information to the card making device 235, thereby providing the use card information and the disposable charge card information. The recorded use card and the disposable charge card are recorded on one or more card media to produce the charge / use card (315).

According to an embodiment of the present invention, when the charge / use card is a charge / use detachable card for recording the disposable charge card information and the use card information on different card media, the server may use the card making apparatus 235. The use card information and the disposable charge card information may be recorded on each MS card or IC card and recorded on different card media, respectively, to manufacture the use card and the disposable charge card constituting the charge / use detachable card.

According to another embodiment of the present invention, the charge / use card is a charge / use integrated card for recording the disposable charge card information and the use card information on a single card medium, and when the single card medium is an MS card, the server Through the card making device 235, the use card information is recorded in the track 2 of the MS, and the disposable charge card information in the track 3 of the MS to use the use card and the disposable charge card constituting the integrated charging / use card It is desirable to produce.

Alternatively, the charge / use card is a charge / use integrated card for recording the disposable charge card information and the use card information on a single card medium, and the single card medium is a mixed card provided with an MS and an IC on one card medium. In this case, the server records the use card information on the IC chip through a card making device 235, and records the disposable charge card information on the MS of a single card medium provided with the IC chip to charge / use the integrated card. It is preferable to produce a use card and a disposable charging card.

Alternatively, the charge / use card is a charge / use integrated card for recording the disposable charge card information and the use card information on a single card medium, and the single card medium is a mixed card provided with an MS and an IC on one card medium. In this case, the server records the use card information to the MS through a card making device 235 and the disposable charge card information to the IC chip of the single card medium provided with the MS to store the charge / use integrated card. It is desirable to produce a use card and a disposable charging card to constitute.

Alternatively, when the charge / use card is a charge / use integrated card for recording the disposable charge card information and the use card information on a single card medium, and the single card medium is an IC card, the server may generate a card making device 235. The use card information is recorded in the use card area on the IC chip, and the disposable charge card information is recorded in the disposable charge card area on the IC chip, and the use card and the disposable charge card constituting the charge / use integrated card are stored. It is preferable to produce.

According to another embodiment of the present invention, when the charge / use card is a charge / use integrated card for recording the disposable charge card information and the use card information on a single card medium, the server may use the card making apparatus 235. It is preferable to produce the use card and the disposable charge card constituting the charge / use integrated card by recording the use card information and the disposable charge card information including the same card number on the IC chip (or MS).

If the charge / use card is produced 320, the server stores the charge / use card in the storage medium 240 in association with the disposable charge card information included in the charge / use card information and charges the disposable charge card. Deactivate the function and the use of the use card, and set the charge amount information through the disposable charging card to '0' to store in the storage medium 240 in association with the disposable charging card information (325), the produced use By providing the charge / use card pack information including the card and the disposable charge card in one card pack to the card delivery management server 245, one or more predetermined charge / use card stores (or merchants) to the charge / use The charge / use card pack is delivered to the customer who applied for a card (330), and then the charge / use card store (or merchant) sells the charge / use card pack. By (or payment), processed through a one-time charge card included in the charge / A card to charge the charge amount for the use of said use card.

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

In more detail, Figure 4 is a charge / use card including a use card for payment / financial transactions, and a blank charge card that is replaced by a customer wireless terminal to charge the payment amount for payment / financial transaction approval for the use card To deactivate the charging function of the blank charging card and the use function of the use card included in the charge / use card, and store the information on the storage medium 440 in association with the deactivated blank charge card information and the use card information. After that, showing a charge / use card manufacturing system for delivering the card pack containing the charge / use card to each charge / use card store, if the person of ordinary skill in the art to which the present invention belongs Reference may be made to and / or modified 4 to infer various implementation methods for the charging / using card making system configuration. It includes all embodiments how the inference and shall not be limited to the exemplary method shown in the figure 4.

Hereinafter, the blank for charging the payment / financial transaction authorization card and the charge amount for the payment / financial transaction approval for the use card is replaced by the use card for payment / financial transactions on the charge / use card production system shown in FIG. One or more means for making a charge / use card including a charge card and / or a component corresponding to a functional configuration are referred to as " card making server 105 " for convenience.

Referring to this figure 4 according to the embodiment of the present invention, the charge / use card production system, the employee terminal 450 used by the card issuer of the card issuer operating the charge / use card, and through the communication network Filling / including a charge card for the payment / financial transaction and the blank charge card that is connected to the employee terminal 450 and replaced with a customer wireless terminal to charge the payment amount for the payment / financial transaction approval for the use card It characterized in that it comprises a card making server 105 for producing a use card.

The employee terminal 450 preferably comprises a terminal device used by a card issuer in charge of the card issuer operating the charge / use card, and a card production server connected to the employee terminal 450 ( 105 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 450 and the card production server 105 The communication network for connecting the employee terminal 450 and the card production server 105 preferably comprises a communication network for connecting the communication channel.

The card production server 105 is charged / including the charge card for the payment / financial transaction, and a blank charge card that is replaced by a customer wireless terminal to charge the payment amount for payment / financial transaction approval for the use card Generic term for the card issuer system-side component that is connected through the communication network with the employee terminal 450 to produce a use card, including at least one server (or device), and / or any At least one program recorded on a recording medium provided in the server (or apparatus) may be implemented, and the present invention is not limited thereto.

According to an embodiment of the present invention, the card making server 105 is provided with an interface unit 400 (or interface means) for providing a predetermined card making interface to the employee terminal 450 through the communication network. It features.

The interface unit 400 connects a predetermined communication channel with the employee terminal 450 based on the protocol stack defined in the communication network, and the communication protocol defined in the card production management program provided in the employee terminal 450. It is desirable to provide a communication interface for transmitting and receiving at least one or more information (or data).

Referring to FIG. 4 according to another embodiment of the present invention, the card making server 105 inputs (or selects) predetermined card making information from the employee terminal 450 in cooperation with the interface unit 400. Interface providing unit 405 (or interface providing means) for generating (or extracting) a predetermined user interface to be transmitted to the employee terminal 450 and the employee terminal in cooperation with the interface unit 400. An information receiving unit 410 (or information receiving means) for receiving predetermined card making information transmitted (or selected) through 450 through the user interface and the card based on the received card making information; Among the BIN information assigned to the issuing company, payment card / financial use card information including BIN information associated with allocation to the use card of the charge / use card and the use card are used. Blank charge card information for charging a payment amount for payment / financial transaction approval (e.g., card information including an attribute and various parameter information of a charge card to be replaced by a blank, and replaced by a customer wireless terminal with the actual charge card number blanked out) A card production unit 420 for producing a charge / use card by recording the use card information on a first card medium through an information generation unit (or information generation means) for generating a &lt; RTI ID = 0.0 &gt; and &lt; / RTI &gt; Card production means), and the blank charging card information and the use card information included in the charge / use card is stored in the storage medium 440, but the charge function of the blank charge card and the use function of the use card is deactivated. The information storage unit 425 (or the storage unit 425) stores the charge amount information through the blank charge card as '0' and stores the charge amount information in the storage medium 440 in association with the blank charge card information. Information storage means), comprising one or more charge / use card stores (or affiliated stores), including a use card produced by the card making unit 420, in one charge / use card pack. It is characterized in that it further comprises a card delivery unit 430 (or card delivery means) for processing the delivery to the customer applying for the charge / use card.

When the employee terminal 450 is connected to the card making server 105 through the interface unit 400, the interface providing unit 405 corresponds to the functional configuration provided in the employee terminal 450. Create a predetermined user interface capable of inputting (or selecting) production information and transmitting it to the card making server 105 via the communication network, and / or extracting from a predetermined database (not shown). In operation 400, the generated (or extracted) user interface may be provided to the employee terminal 450 through the communication network.

Thereafter, the employee terminal 450 inputs (or selects) the card making information based on the user interface, and transmits the input (or selected) card making information to the card making server 105 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 450 and transmitting the card making information to the card making server 105 through the communication network. When the management program is provided, it may be omitted that the interface providing unit 405 provides the user interface to the employee terminal 450.

The information receiving unit 410 inputs (or selects) predetermined card making information through the user interface in the employee terminal 450 and transmits the information through the communication network. The card making unit works in conjunction with the interface unit 400. And receiving information.

According to an embodiment of the present invention, the card production information includes BIN information associated with the BIN information assigned to the card issuer and assigned to the use card of the charge / use card, and the BIN (Bank Identification Number) information. It is preferable to include the serial number area information of the use card number to be associated with.

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

Serial number area information of the use card number, among the BIN information assigned to the card issuer, among the card numbers to be assigned to the use card in association with the BIN information associated with the allocation to the use card of the charge / use card, It is preferable to include information for setting the serial number area.

The information generating unit uses the BIN information associated with the BIN information allocated to the card for use of the charge / use card among the BIN information assigned to the card issuer based on the card production information received through the information receiving unit 410. Usage card number including the serial number of the serial number field of the card number, the expiration date, the CVC / CVV value and the usage card attribute code (for example, payment attribute and financial transaction attribute) and usage card activation Generate credit card information including one or more inactive information, and process the charge card number as a blank, but charge card expiration date, charge attribute code (e.g., one charge attribute, repeated charge attribute, corresponding to each charging method) And blank charge card information including one or more charging channel attributes) and charge card activation / deactivation information.

According to an embodiment of the present invention, the first card medium for recording the use card information is preferably an MS (Magnetic Stripe) card or an IC (Integrated Circuit) card, in which case the use card information is the MS card to IC. It is preferably generated including a card information structure to be recorded on the card.

When the use card information and the blank charge card information are generated through the information generating unit, the card manufacturing unit 420 provides the use card information to the card making apparatus 435 to record the use card information on a card medium and Characterized by producing a charge / use card.

According to the exemplary embodiment of the present invention, the card manufacturing unit 420 writes the use card information to the MS card or the IC card through the card making apparatus 435 to produce a use card constituting the charge / use separation type card. It is desirable to.

When the use card information and the blank charge card information are generated through the information generation unit, the information storage unit 425 associates the blank charge card information and the use card information included in the charge / use card to the storage medium 440. Save, deactivate the charging function of the blank charging card and the use of the use card, and set the charge amount information through the blank charging card to '0' to the storage medium 440 in association with the blank charging card information It is characterized by storing.

When a charge / use card including the use card is made through the card making unit 420, the card delivery unit 430 includes the use card produced by the card making unit 420 in one card pack. By providing the charge / use card pack information made to the card delivery management server 445, 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 Characterized in that the shipping process, the charge / use card retailer (or merchant) then sells (or pays) the charge / use card pack.

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

In more detail, Figure 5 replaces the charging / use card production system shown in Figure 4 with the payment / finance transaction use card and a customer wireless terminal for payment / finance transaction approval for the use card. Making a charge / use card including a blank charge card for charging a charge, deactivating the charge function and the use function of the blank charge card included in the charge / use card, and deactivating the blank charge card information. After storing in the storage medium 440 in association with the use card information, showing a process of delivering a card pack including the charge / use card to each charge / use card retailer, in the technical field to which the present invention belongs Those skilled in the art may refer to and / or modify the drawing 5 to infer various implementation methods for the charging / using card manufacturing process. It will be appreciated that the present invention encompasses all of the inferred implementation methods and is not limited to the implementation method illustrated in FIG.

In the following figure 5, the card making server 105 shown in the figure 4 will be referred to as " server " for convenience.

Referring to FIG. 5, when the employee terminal 450 inputs (or selects) card making information through the card making interface and transmits the card making information to the server, the server receives the card making interface from the employee terminal 450 through the card making interface. Received (or selected) card making information is received (500).

According to an embodiment of the present invention, the card production information may include: BIN information associated with the BIN information assigned to the card issuer to the use card of the charge / use card, and the BIN (Bank Identification Number). Preferably, the serial number field information of the use card number to be associated with the information is included.

The BIN information is BIN information of a card number assigned to a use card belonging to the charge / use card, and the BIN information is assigned to a use card of the charge / use card among BIN information assigned to the card issuer. Preferably, the associated BIN is included, whereby the use card belonging to the charge / use card is characterized in that the use card is recognized as the card.

Serial number area information of the use card number, among the BIN information assigned to the card issuer, among the card numbers to be assigned to the use card in association with the BIN information associated with the allocation to the use card of the charge / use card, It is preferable to include information for setting the serial number area.

Thereafter, the server, based on the received card making information, among the BIN information assigned to the card issuer, among the BIN information and the serial number area of the use card number, which are assigned to the use card of the charge / use card. Generate use card information including at least one of the use card number including any serial number, the expiration date of the use card, the CVC / CVV value and the use card attribute code (e.g., payment attribute, financial transaction attribute), The charge card number is treated as a blank, and at least one charge card expiration date, a charge attribute code (for example, one charge attribute, a repeat charge attribute, a charge channel attribute corresponding to each charge method), and charge card activation / deactivation information are provided. In operation 505, the blank charge card information is generated.

According to an embodiment of the present invention, the first card medium for recording the use card information is preferably an MS (Magnetic Stripe) card or an IC (Integrated Circuit) card, in which case the use card information is the MS card to IC. It is preferably generated including a card information structure to be recorded on the card.

If the use card information and the charge card information is generated (510), the server provides the use card information and charge card information to the card making device 435, the use card recorded the use card information and charge card information And charge card is recorded on at least one card medium to produce the charge / use card (515).

According to an embodiment of the present invention, the server preferably records the use card information on an MS card or an IC card through a card making device 435 to produce a use card constituting the charge / use separation card. .

If the charge / use card is produced (520), the server stores the blank charge card information included in the charge / use card and the use card information in a storage medium 440 and charges the blank charge card. Deactivate the function and the use of the use card, and set the charge amount information through the blank charge card to '0' to store in the storage medium 440 in association with the blank charge card information (525), the produced use By providing the charge / use card pack information including the card in one card pack to the card delivery management server 445, one or more predetermined charge / use card stores (or merchants) to apply for the charge / use card The charge / use card pack is delivered to a customer (530), and then the charge / use card store (or merchant) sells (or pays) the charge / use card pack.

6 is a diagram showing the configuration of the charging / using card charging system according to an embodiment of the present invention.

In more detail, Figure 6 shows each charge / use using a disposable charge card included in the charge / use card manufactured and sold to (or paid to) a customer using the charge / use card manufacturing system shown in FIG. Charge the charge amount through the charging terminal 140 provided in the use card store (or affiliated store), and when the charge amount is charged, the customer wireless terminal of the customer who purchased (or received) the charge / use card Register as a recharge card of a charge / use card, activate a charge function through a customer wireless terminal registered with the recharge card, and use a use card associated with a charge card corresponding to the customer wireless terminal, and charge the charge amount. Regarding a charging / use card charging system for storing information in a storage medium 675 in association with the customer wireless terminal information, it is common in the art to which the present invention pertains. Those skilled in the art will be able to infer various implementation methods for the charging / use card charging system configuration by referring to and / or modifying the drawing 6, but the present invention includes all the implementation methods inferred. The technical features of the present invention are not limited only to the implementation method shown in FIG.

For example, in FIG. 6, for convenience, information of a customer's wireless terminal to be registered as a recharge card of the charge / use card in a charge / use card charge request message transmitted from the client terminal 135 to the charge / use card charge server 110 is used. Although the present invention is illustrated as being transmitted as including, the present invention is not limited thereto. However, the process of registering the customer wireless terminal as a recharge card of the charge / use card may include an initial charging process using the disposable charge card. The first charge using the disposable charging card even if the customer wireless terminal is registered as a recharging card of the charging / using card through a process separate from or through the charging / using card charging system shown in FIG. The process of registering the customer wireless terminal with the recharge card of the charge / use card is performed separately. Even bayida put mubang also apparently found.

Referring to FIG. 6, the charge / use card charging system may include a charging terminal 140 provided at a charge / use card retailer (or an affiliated store) and the charge / use card manufacturing system illustrated in FIG. 2 or 4. The recharge / use card is made and delivered to the recharge / use card store (or affiliated store), and each recharge / use card store is used by using a disposable recharge card included in the charge / use card sold (or paid) to a customer. (Or affiliated stores) to charge the charge amount through the charging terminal 140, and when charging the charge, the charge / use of the customer wireless terminal of the customer who purchased (or received) the charge / use card Register as a rechargeable card of the card, activate the charging function through the customer wireless terminal registered with the rechargeable card, and the use of the use card associated with the charging card corresponding to the customer wireless terminal The charging / use card charging server 110 and the charging terminal 140 and the charging / use card charging server 110 which store the charge amount information in connection with the customer wireless terminal information in the storage medium 675. It characterized in that it comprises a bansa server 125 provided in the communication network for relay connection.

In FIG. 6, the charge / use card charging server 110 is illustrated as one server for convenience, but this is an exemplary method for efficiently describing the technical features of the charge / use card charging server 110 in the present invention. Only, it will be apparent that the charge / use card charging server 110 may be implemented in a system form 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 charge / use card charging system.

In addition, in FIG. 6, the bansa 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 bansa server 125 in the present invention. According to the charging / use card charging system implementation method, the bansa server 125 may be obviously implemented as a system consisting of a plurality of servers for each functional component.

The charging terminal 140, to the charging / use card stores (or merchants) that sells (or pays) to the customer the charge / use card produced through the charging / use card production system shown in Figure 2 or 4 CAT (Credit Authorization Terminal) provided, or characterized in that it comprises at least one or more POS (Point Of Sales) terminal provided with a payment function.

According to an embodiment of the present invention, the charging terminal 140 includes at least one or more card readers for charging a charged amount, and reads card information from a disposable charging card belonging to the charge / use card through the card reader. After inputting the charging information (for example, the amount of charge) through the key input device, and generates a full charge / use card charge request message including the card information, the charge information and the charge / use card retailer (or affiliated store) information Characterized in that the transmission to the bansa server 125 through a communication network.

The bansa server 125 may include a public switched telephone network (PSTN), an intelligent network, an xDSL-based wired communication 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 140 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 140 and the charging / use card charging server by connecting a communication channel with the charging / use card charging server 110 through a dedicated communication network including at least one x.25 based communication network and an encryption / decryption-based communication network. It characterized in that the relay 110 is connected.

According to the method of the present invention, the bansa server 125 receives the full charge / use card charge request encrypted with the bansa encryption key from the charging terminal 140, and the full charge / use card charge request to 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 full charge / use card charge request server 110 to which the full charge / use card charge request message is transmitted (110). ), And charge / use card charge including the charge / use card charge request message (or card information included in the charge / use card charge request message and charge information and charge / use card retailer (or affiliated store) information). Request information) is encrypted with an encryption key that can be decrypted by the checked charge / use card charging server 110 and transmitted to the charge / use card charging server 110. It is preferable.

The charge / use card charging server 110 may produce the charge / use card using the charge / use card manufacturing system illustrated in FIG. 2 or 4 to provide a charge / use card to a customer through a charge / use card store (or affiliated store). Check the charge / use card including a disposable charge card corresponding to the card information based on the card information included in the full charge / use card charge request received from the bansa server 125; And charging the charge amount to the checked charge / use card.

According to an embodiment of the present invention, the charge / use card charging server 110 is a full charge / use card charging request from the bansa server 125 with the encryption key of the charge / use card charging server 110 (or the Full charge / use card charge request information including charge / use card charge request information including charge information and charge / use card retailer (or affiliated store) information) It is preferable to check the card information and charging information contained in the charge / use card retailer (or merchant) information.

Those skilled in the art to which the present invention pertains, the technical features of the charging terminal 140, the bansa server 125 and the charge / use card charging server 110 operating as described above to be familiar with the technical features. Since it will be, more detailed description thereof will be omitted for convenience.

Referring to FIG. 6, the bansa server 125 is an interface for connecting and managing a communication channel with a charging terminal 140 provided in the charging / use card retailer (or an affiliated store) through a communication network (for example, a public communication network). A specialized receiver 605 for receiving a charge / use card charge request message through the communication channel in conjunction with the interface 600, and the communication unit 600, and included in the received charge / use card charge request message The information checking unit 615 for checking the charge / use card charging server 110 to relay the full-length charging / use card charge request (or charge / use card charge request information) by reading the card information, and the confirmed From the charge / use card charging server 110, the information transmission unit 620 for transmitting the full charge / use card charge request (or charge / use card charge request information), and from the charge / use card charging server 110 Above charge / use Information receiving unit 625 for receiving charging / use card charge result information (or charge / use card charge result preamble) including charge history corresponding to the full charge request message, and the communication unit in connection with the interface unit 600. Characterized in that it comprises a specialized transmission unit 610 for transmitting the full charge / use card charging results including the charge details to the charging terminal 140.

The interface unit 600 stores the charge / use card store through a communication protocol corresponding to a communication network connecting the bansa server 125 and the charging terminal 140 provided at the charge / use card store (or affiliated store) ( Or a charging terminal 140 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 140 connected to the communication channel, 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 received. 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 605 is connected to the interface unit 600 to charge the charge. Characterized in that it receives the full charge / use card charge request from the terminal 140.

According to an exemplary embodiment of the present invention, the charging terminal 140 registers (or sets) the customer wireless terminal as a recharging card of the charging / use card, and charges (or charges / uses) the charge / use card charge request. Card charge request information) is preferably transmitted further including the customer wireless terminal information.

If the full charge / use card charge request message is encrypted and transmitted from the charging terminal 140 through the Bansa encryption key, the full-text receiver 605 decrypts the encrypted charge / use card charge request message. It is preferable.

When the full charge / use card charge request message is received, the information checking unit 615 reads the card information (eg, BIN of the disposable charge card included in the charge / use card charge message) included in the charge / use card charge request message. Read the full charge / use card charge request (or charge / use card charge request information) is characterized in that to check the charge / use card charging server 110 to be relayed transmission.

When the charge / use card charge server 110 to which the full charge / use card charge request message (or charge / use card charge request information) is relayed and transmitted is confirmed by the information checking unit 615, the information transmitter 620 ) The charge / use card charge request message (or charge / use card charge request information) through the communication channel connected between the bansa server 125 and the charge / use card charge server 110. Characterized in that the transmission to the charging server (110).

Thereafter, the charge / use card charging server 110 performs a charge charging procedure through a disposable charge card corresponding to the full charge / use card charge request message (or charge / use card charge request information), and the communication channel. Through the charge / use card charge request information (or charge / use card charge request information), the charge / use card charging result information (or full charge / use card charge results) including the charging history corresponding to the transmission, The information receiving unit 625 may receive the charge / use card charge result information (or the full charge / use card charge result) from the charge / use card charge server 110 through the communication channel.

When the charge / use card charging result information (or full charge / use card charging result) is received from the charge / use card charging server 110, the specialized transmission unit 610 may be connected to the interface unit 600. Characterized in that the full charge / use card charging results including the charge history through the communication channel to the charging terminal 140, wherein the interface unit 600 is the charge / use card charging results It is preferable to further perform a process of verifying that the preamble is transmitted to the charging terminal 140.

According to the present invention, the charge / use card charging server 110 uses disposable charge card information and use card information included in the charge / use card produced through the charge / use card manufacturing system shown in FIG. 2 or 4. DBMS for storing in the storage medium 675 in conjunction with the storage medium 675 in conjunction with the disposable charge card information, the charge amount information through the disposable charge card, or operating the storage medium 675 Or interworking with a DB server (not shown) provided with the storage medium 675.

Here, the disposable charge card information, the disposable charge card number and the charge property code for the disposable charge card included in the charge / use card produced through the charge / use card manufacturing system shown in FIG. For example, it is preferable to include one or more charging properties, repeated charging properties (but, in the case of a single-use charging card), charging channel properties corresponding to each charging method, and use card activation / inactivity information.

The use card information may include a use card number for a use card included in a charge / use card produced through the charge / use card manufacturing system shown in FIG. 2 or 4, a use card expiration date, and a CVC / CVV. It is preferred to include one or more values and credit card attribute codes (e.g., payment attributes, financial transaction attributes) and one-time charge card activation / deactivation information.

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

Referring to FIG. 6, the charge / use card charging server 110 may include a communication unit 630 for connecting and managing a communication channel with the bansa server 125 through a communication network (eg, a dedicated communication network), and the communication unit ( A receiver 635 for receiving the full charge / use card charge request message (or charge / use card charge request information) from the bansa server 125 in connection with the 630 and the received charge / use card charge request message ( Or the card information included in the charge / use card charge request information) included in the charge / use card manufactured and sold (or paid) to the customer through the charge / use card manufacturing system shown in FIG. The card information checking unit 645 for checking whether the card is matched with the disposable charge card information, and when the card information is matched with the disposable charge card information included in the charge / use card, the charge amount is charged to the charge / use card. A charging processing unit 650 (or charging / using card charging means), a history generating unit 653 for generating a charging history including the charging / using card charging result, and a charging / using card including the charging history The generation unit 655 for generating charging result information (or full charge / use card charging result) and the generated charging / use card charging result information (or charging / using card) through the communication channel in association with the communication unit 630. It is characterized in that it comprises a transmission unit 640 for transmitting the full credit card use results to the bansa server 125, after the charging process, the charge amount from the charge / use card retailer (or merchant) Characterized in that it further comprises a charge settlement unit 660 to process the settlement to the card issuer operating the charge / use card.

The communication unit 630 may be configured to transmit / receive a charge-related full text message (or information) with the bansa server 125 through a communication protocol corresponding to a communication network connecting the charge / use card charging server 110 and the bansa server 125. It is characterized by connecting the communication channel.

When the bansa server 125 transmits the full charge / use card charge request message (or charge / use card charge request information) through the communication channel, the receiving unit 635 is linked with the communication unit 630 to provide card information. And charge / use card charge request message (or charge / use card charge request information) including at least one of charging information and charge / use card retailer (or affiliated store) information.

According to an exemplary embodiment of the present invention, the charging terminal 140 registers (or sets) the customer wireless terminal as a recharging card of the charging / use card, and charges (or charges / uses) the charge / use card charge request. Card charge request information) is preferably transmitted further including the customer wireless terminal information.

If the full charge / use card charge request message (or charge / use card charge request information) is transmitted from the bansa server 125 through an encryption key of the card company server, the receiving unit 635 is encrypted. It is desirable to decrypt the full charge / use card charge request (or charge / use card charge request information).

When the full charge / use card charge request message (or charge / use card charge request information) is received, the card information check unit 645 sends the full charge / use card charge request message (or charge / use card charge request information). Confirming the included card information, the confirmed card information is produced through the charging / using card manufacturing system shown in the drawing 2 or 4, the disposable card included in the charge / use card sold (or paid) to the customer It is characterized by checking whether it matches the charging card information.

When the card information included in the full charge / use card charge request message (or charge / use card charge request information) is matched with the disposable charge card information included in the charge / use card by the card information checker 645, The charging processing unit 650 activates the charging function of the confirmed disposable charging card information and the use function of the use card associated with the disposable charging card in association with the storage medium 675, The charge amount information included in the full charge / use card charge request message (or charge / use card charge request information) is added to and stored in the charge amount information stored in association with the disposable charge card information.

When the charge processing procedure through the disposable charge card for the charge amount is completed by the charge processor 650, the history generator 653 is charged to the charge / use card charged by the charge processor 650 It is characterized by generating a charge history including the result.

When the charge history is generated, the generation unit 655 generates charge / use card charge result information (or full charge / use card charge result) including the charge history, and the transmission unit 640 ) Transmits the generated charge / use card charge result information (or full charge / use card charge result) to the bansa server 125 through the communication channel in association with the communication unit 630.

In addition, when the charge for the charge amount is processed by the charge processor 650, the charge settlement unit 660 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 FIG. 6, the charge / use card charging server 110 registers (or sets) a customer wireless terminal of a customer who purchased (or received) the charge / use card as a recharge card of the charge / use card. Wireless terminal information checking unit 663 (or wireless terminal information checking means, or charging) for confirming customer wireless terminal information included in the full charge / use card charging request message (or charging / use card charging request information). Card confirmation means) and a charge card registration unit 665 (or charge card registration means) for changing the disposable charge card information charged with the charge amount to customer wireless terminal information in association with the storage medium 675. It is characterized by.

When the charge amount is charged through the disposable charging card, the wireless terminal information checking unit 663 is registered as a recharge card of the charge / use card from a charge / use card charge request message (or charge / use card charge request information). Characterized by confirming the customer wireless terminal information to be.

If the customer wireless terminal information is confirmed, the charging card registration unit 665 is charged based on the full charge / use card charge request (or charge / use card charge request information) in conjunction with the storage medium 675. After confirming the disposable charge card information that charged the amount, characterized in that for storing the disposable charge card information by replacing the customer wireless terminal information, after which the customer wireless terminal is used as a charge card of the charge / use card It is characterized by.

Referring to FIG. 6, when the customer wireless terminal information is registered as a charging card of the charging / use card, the charging / use card charging server 110 stores the subscriber information on the customer wireless terminal. Name confirmation processing unit 670 (or named confirmation processing means) for checking the subscriber information for the customer wireless terminal in conjunction with the carrier server 680 having a / B (685) to process the charge / use card name information Preferably, the name confirmation processing unit 670 may be provided in a separate name confirmation server 100 in addition to the charge / use card charging server 110.

The customer wireless terminal of the customer who purchased (or received) the charge / use card is registered (or set) as a recharge card of the charge / use card, and the customer wireless terminal information is transferred to the charge card of the charge / use card. If registered, the name verification processing unit 670 provides the customer wireless terminal information to the communication company server 680 having a subscriber D / B 685 for storing subscriber information for the customer wireless terminal, the communication company After receiving the subscriber information corresponding to the customer wireless terminal information from the server 680, the received subscriber information to process the charge / use card name information.

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

In more detail, Figure 7 is based on the charge / use card shown in Figure 6 based on the charge / use card produced through the charging / use card manufacturing system shown in Figure 2 or 4 to sell (or paid) to the customer When the charging terminal 140 on the card charging system generates a charge / use card charge request message and transmits it to the Bansa server 125, the charge / use card charge request message (or charge / use card) is transmitted from the bansa server 125. It shows a process of relaying the charge request information) to the charge / use card charging server 110, and those skilled in the art to which the present invention pertains, referring to and / or modified to Various implementation methods for the charge request process of the charge / use card may be inferred, but the present invention includes all the implementation methods inferred, and the seal illustrated in FIG. The technical features are not limited only by the municipal method.

Referring to FIG. 7, the charging terminal 140 on the offline charging / using card charging system shown in FIG. 6 reads card information from the disposable charging card of the charging / using card through a card reader, and inputs key input means. Charge information (eg, charge amount) through the input 700, the charge / use card including the input card information and charging information and the charge / use card store (or affiliated store) information stored in the charging terminal 140 Generate a full charge request (705).

Thereafter, the charging terminal 140 connects a communication channel for professional transmission and reception with the bansa server 125 through the communication network (eg, a public communication network) (710).

If the communication channel is connected (715), the charging terminal 140 transmits the full charge / use card charging request to the bansa server 125 via the communication channel (720), and corresponding to the bansa The server 125 receives the full charge / use card charge request message transmitted from the charging terminal 140 through the communication channel (725).

According to an embodiment of the present invention, in order to register (or set) a customer wireless terminal of a customer who has purchased (or received) the charge / use card as a recharge card of the charge / use card, charging the charge / use card Preferably, the request message further includes the customer wireless terminal information.

According to an embodiment of the present invention, when the full charge / use card charge request is encrypted and transmitted from the charging terminal 140 through the encryption key of the bansa, the bansa server 125 is the encrypted charge / use It is desirable to decrypt the full card charge request.

Thereafter, the bansa server 125 checks the card information included in the full charge / use card charge request message (730).

According to an embodiment of the present invention, the bansa server 125 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 message, and thereby the present invention. This is not limited.

Thereafter, the bansa server 125 reads the checked card information and checks the charge / use card charging server 110 to relay the full charge / use card charge request message (735).

According to an embodiment of the present invention, the bansa server 125 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 full charge / use card charge request message is relayed. It is desirable to check server 110.

If the charge / use card charging server 110 relays the charge / use card charging request message to be transmitted, the bansa server 125 charges the checked / use card charging server 110 to the checked charge / use card charging server 110. / Relays transmission of the usage card charge request message (or charge / use card charge request information including the card information included in the charge / use card charge request message and charge / use card retailer (or affiliated store) information); (745).

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

In more detail, when FIG. 8 receives the full charge / use card charge request message (or charge / use card charge request information) to the charge / use card charge server 110 through the charge request process shown in FIG. 7, As the charge / use card charging server 110 to charge the charge amount to be used through the use card of the charge / use card through the full charge / use card charge request (or charge / use card charge request information) However, one of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 8 to infer various implementation methods for the charge processing process of the charge / use card. 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. 8, through the charging request process illustrated in FIG. 7, the charging / using card charging server 110 receives a full charging / using card charging request (or charging / using card charging request information) (800). ).

According to an embodiment of the present invention, when the full charge / use card charge request message (or charge / use card charge request information) is encrypted and transmitted from the bansa server 125 through an encryption key of the card company server, the charge It is preferable that the / use card charging server 110 decrypts the encrypted charge / use card charge request message (or charge / use card charge request information).

Thereafter, the charge / use card charging server 110 may include card information, charge information, and charge / use card retailer (or merchant) information included in the full charge / use card charge request message (or charge / use card charge request information). (805), the confirmed card information is made through the charging / using card manufacturing system shown in the drawing 2 or 4, the disposable charge included in the charging / using card sold (or paid) to the customer In operation 810, the card information is matched with the card information.

If the check result, the card information is matched with the disposable charge card information contained in the charge / use card that the card is produced through the charge / use card manufacturing system shown in Figure 2 or 4 to sell (or paid) to the customer If not (815), the charge / use card charging server 110 generates charge / use card charging result information (or full charge / use card charging result) including charging error information to the bansa server 125. In response, the bansa server 125 transmits the full charge / use card charging result including the charging error information to the charging terminal 140 through a communication channel connected to the charging terminal 140. And output (825).

On the contrary, if the card information is matched with the disposable charge card information of the charge / use card produced through the charge / use card manufacturing system shown in FIG. 2 or 4 and sold (or paid) to the customer (815). The charging / use card charging server 110 activates the charging function of the confirmed disposable charging card information and the use function of the use card associated with the disposable charging card in association with the storage medium 675, and the storage. In operation 830, the charge amount information included in the full charge / use card charge request message (or charge / use card charge request information) is added to the charge amount information stored in association with the disposable charge card information in the medium 675.

Thereafter, the charging / using card charging server 110 generates a charging history including the charging / using card charging result (835).

Thereafter, the charge / use card charging server 110 generates charge / use card charging result information (or full charge / use card charging result) including the charging history and transmits the generated / used card to the bansa server 125 (840). In response, the bansa server 125 transmits and outputs the full charge / use card charging result including the charge history to the charging terminal 140 through a communication channel connected to the charging terminal 140 (825). ).

Thereafter, the charge / use card charging server 110 registers (or sets) the customer wireless terminal of the customer who purchased (or received) the charge / use card as a recharge card of the charge / use card. Check the customer wireless terminal information to be used as the charge card (= recharge card) of the charge / use card from the full charge / use card charge request (845)

If the customer wireless terminal information to be used as a charging card (= recharging card) of the charging / use card is confirmed (850), the charging / use card charging server 110 is connected to the storage medium 675 in the charge / use card. On the basis of the use card charge request full text, the disposable charge card information that has charged the charged amount is checked, and the disposable charge card information is replaced with the customer wireless terminal information and stored (855).

If the disposable charging card information is changed to the customer wireless terminal, and the customer wireless terminal is registered as a charging card of the charging / use card (860), the charging / use card charging server 110 is connected to the customer wireless terminal. Providing the customer wireless terminal information to a communication company server 680 having a subscriber D / B 685 storing subscriber information for the subscriber information, and receiving the subscriber information corresponding to the customer wireless terminal information from the communication company server 680. After receiving, the received subscriber information is processed as the charge / use card name information (865).

9 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, FIG. 9 illustrates a client terminal using a disposable charge card included in a charge / use card manufactured and sold to (or paid to) a customer through a charge / use card manufacturing system shown in FIG. 135 to charge the charge amount by connecting to the charge / use card charging server 110 in a non-face-to-face manner, and when the charge amount is charged, the customer wireless of the customer who purchased (or received) the charge / use card Register the terminal as a recharge card of the charge / use card, activate the charging function through the customer wireless terminal registered with the recharge card, and the use function of the use card associated with the charging card corresponding to the customer wireless terminal, Regarding the charge / use card charging system for storing the charge amount information in the storage medium 960 in association with the customer wireless terminal information, Those skilled in the art will be able to infer various implementation methods for the charging / use card charging system configuration by referring to and / or modifying the drawing 9, but the present invention provides all the implementation methods inferred from the above. It is made, including, and the technical features are not limited only to the embodiment shown in FIG.

For example, FIG. 9 shows, for convenience, customer wireless terminal information of a customer to register as a recharge card of the charge / use card in the charge / use card charge request information transmitted from the client terminal 135 to the charge / use card charge server 110. Although the present invention is illustrated as being transmitted as including, the present invention is not limited thereto. However, the process of registering the customer wireless terminal as a recharge card of the charge / use card may include an initial charging process using the disposable charge card. When the customer wireless terminal is registered as a recharge card of the charge / use card through the charging / use card charging system shown in FIG. The process of registering the customer wireless terminal with the recharge card of the charge / use card is performed separately. Even bayida put mubang also apparently found.

Referring to FIG. 9, the charge / use card charging system may be used by a client who purchases (or receives) a charge / use card manufactured through the charge / use card manufacturing system shown in FIG. 2 or 4. Applying the charge / use card retailer (or affiliated store) to the charge / use card by producing the charge / use card through the terminal 135 and the charge / use card manufacturing system shown in FIG. 2 or FIG. Shipping to the customer, the customer to charge the charge amount using the disposable charge card included in the charge / use card through the client terminal 135, and when the charge amount is charged, the purchase of the charge / use card Register the customer wireless terminal of the customer (or paid) with the recharge card of the charge / use card, and charge function through the customer wireless terminal registered with the recharge card; Charge / use card charging server 110 for activating the use of the use card associated with the charging card corresponding to the customer wireless terminal, and storing the charge amount information in the storage medium 960 in association with the customer wireless terminal information It is characterized by comprising a).

In FIG. 9, the charge / use card charging server 110 is illustrated as one server for convenience, but this is an exemplary method for efficiently describing the technical features of the charge / use card charging server 110 in the present invention. Only, it will be apparent that the charge / use card charging server 110 may be implemented in a system form 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 charge / use card charging system.

The client terminal 135 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 exemplary embodiment of the present invention, the client terminal 135 charges / uses the card information and charge amount information corresponding to the disposable charge card of the charge / use card from the charge / use card charging server 110. Receives and outputs at least one charge / use card charging interface for inputting (or selecting) card charge request information, and card information corresponding to the disposable charge card of the charge / use card through the charge / use card charging interface. A function configuration (for example, a browser program and a communication function) for inputting (or selecting) charge / use card charge request information including charge amount information and transmitting the charge / use card charge request information to the charge / use card charge server 110 through a communication network. It is preferable that it is provided.

According to an embodiment of the present invention, in order to register (or set) a customer wireless terminal of a customer who has purchased (or received) the charge / use card as a recharge card of the charge / use card, charging the charge / use card The interface preferably further comprises a user interface for inputting the customer wireless terminal information.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the client terminal 135 including one or more of the wired terminal, the wireless terminal, or the TV device (not shown). Detailed description thereof will be omitted.

According to an embodiment of the present invention, when the client terminal 135 is a wired terminal, the communication network includes the TCP / IP based wired communication network, and when the client terminal 135 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 110 generates the charge / use card to be sold (or paid) to the customer through the charge / use card manufacturing system shown in FIG. 2 or 4, and the client terminal. On the basis of the card information included in the charge / use card charge request information received from 135, check the charge / use card including the disposable charge card corresponding to the card information, Characterized in that the charging amount.

According to an embodiment of the present invention, the charging / use card charging server 110 receives charging / use card charging request information encrypted with an encryption key of the charging / use card charging server 110 from the client terminal 135. It is preferable to check the card information and the charging information included in the charge / use card charge request information by decoding.

Those skilled in the art to which the present invention pertains, since the technical features of the client terminal 135 and the charge / use card charging server 110 operating as described above will be familiar with the technical features, Detailed description is omitted for convenience.

According to the present invention, the charge / use card charging server 110 uses disposable charge card information and use card information included in the charge / use card produced through the charge / use card manufacturing system shown in FIG. 2 or 4. DBMS for storing in the storage medium 960 in conjunction with the storage medium 960 in connection with the disposable charge card information and charge amount information through the disposable charge card, or operating the storage medium 960. Or interworking with a DB server (not shown) provided with the storage medium 960.

Here, the disposable charge card information, the disposable charge card number and the charge property code for the disposable charge card included in the charge / use card produced through the charge / use card manufacturing system shown in FIG. For example, it is preferable to include one or more charging properties, repeated charging properties (but, in the case of a single-use charging card), charging channel properties corresponding to each charging method, and use card activation / inactivity information.

The use card information includes a use card number, a use card expiration date, and a CVC / CVV value for a use card included in a charge / use card produced through the charge / use card manufacturing system shown in FIG. 2 or 4. And use card attribute codes (eg, payment attribute, financial transaction attribute) and one-time charge card activation / deactivation information.

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

According to the exemplary embodiment of the present invention, the charging / use card charging server 110 communicates with the client terminal 135 through the communication network to provide a web interface corresponding to the communication terminal with the client terminal 135. It characterized in that it comprises an interface unit 900 for connecting and managing the, whereby the charge / use card charging server 110 is connected to the client terminal 135 and 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 135 is a wired terminal to which a communication channel is connected through a TCP / IP-based wired communication network, the interface unit 900 may connect the client terminal 135 with HTTP ( Connect a communication channel based on a Hyper-Text Transfer Protocol protocol, and transmit a charge / use card charging interface in the form of a Hyper-Text Markup Language (HTML) compatible document to the client terminal 135 through the communication channel. It is preferable to perform a function of outputting and receiving and processing the charge / use card charge request information input (or selected) through the charge / use card charge interface from the client terminal 135.

According to another exemplary embodiment of the present invention, when the client terminal 135 is a wireless terminal to which a communication channel is connected through a CDMA based wireless communication network, the interface unit 900 is connected to the client terminal 135 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 135 through the communication channel. It is preferable to perform a function of transmitting and outputting an interface and receiving and charging the charge / use card charge request information corresponding to the charge / use card charge interface from the client terminal 135.

According to another exemplary embodiment of the present invention, when the client terminal 135 is a wireless terminal to which a communication channel is connected through an IEEE 802.16x based wireless communication network, the interface unit 900 may be connected to the client terminal 135. 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 135 through the communication channel, and is output. It is preferable to perform the function of receiving and processing the charge / use card charge request information corresponding to the charge / use card charging interface from the client terminal, or the client terminal 135 is established through a wireless communication network based on IEEE 802.11x In the case of a wireless terminal to be connected, the interface unit 900 corresponds to the client terminal 135 and the IEEE 802.11x standard. Connect a communication channel based on a wireless protocol, transmit and output a charge / use card charging interface to the client terminal 135 through the communication channel, and transmit the output from the client terminal 135 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. 9, the charge / use card charge server 110 requests a charge / use card charge by connecting a client terminal 135 to the charge / use card charge server 110 through the interface unit 900. When the information registration request, in conjunction with the interface unit 900, the client terminal 135 charge / use card charge request information including card information and charge amount information corresponding to the disposable charge card of the charge / use card An interface provider 905 for generating (or extracting) a charging / using card charging interface for inputting (or selecting) and transmitting the charging / use card charging interface, and the client terminal 135 interlocks with the interface 900. And an information receiving unit 910 for receiving charging / using card charging request information transmitted by inputting (or selecting) through the charging / using card charging interface. The features.

The interface providing unit 905 has a functional configuration (eg, provided in the client terminal 135 when the client terminal 135 is connected to the charging / using card charging server 110 through the interface unit 900). Charge / use card that can input (or select) the charge / use card charge request information corresponding to the browser program provided in the client terminal 135 and transmit the charge / use card charge server 110 to the charge / use card charge server 110 through the communication network. A charging interface is generated or extracted from a database (not shown), and the generated / or used card charging interface is linked to the client terminal 135 through the communication network in association with the interface unit 900. It is characterized by providing.

Thereafter, the client terminal 135 inputs charge / use card charge request information including card information and charge amount information corresponding to the disposable charge card of the charge / use card based on the charge / use card charge interface ( Or select), and when it is confirmed that the charge / use card charge request information is input (or selected), the client terminal 135 receives the charge / use card charge request information input (or selected) through the communication network. Transfer to the charge / use card charging server 110.

According to an embodiment of the present invention, in order to register (or set) a customer wireless terminal of a customer who has purchased (or received) the charge / use card as a recharge card of the charge / use card, charging the charge / use card The interface preferably further comprises a user interface for inputting the customer wireless terminal information.

Those skilled in the art to which the present invention pertains, one-time charging of the charge / use card through the at least one form (Form) included in the charge / use card charging interface in the client terminal 135 Technical features for inputting (or selecting) charge / use card charge request information including card information corresponding to a card and charge amount information, and charge / use inputted (or selected) through a communication protocol provided by the communication network. Since it will be familiar with the technical features for transmitting the card charging request information to the charge / use card charging server 110, a detailed description thereof will be omitted for convenience.

The information receiving unit 910 inputs (or selects) charging / using card charging request information from the client terminal 135 through the charging / using card charging interface and transmits it through the communication network. It is characterized in that for receiving the charge / use card charge request information in conjunction with.

According to an embodiment of the present invention, in order to register (or set) a customer wireless terminal of a customer who has purchased (or received) the charge / use card as a recharge card of the charge / use card, charging the charge / use card Preferably, the request information further includes the customer wireless terminal information.

Referring to FIG. 9, the charge / use card charging server 110 may include the card information included in the received charge / use card charge request information as shown in FIG. 2 or FIG. 4. A card information checking unit 915 for confirming whether the card is matched with the disposable charge card information included in the charge / use card manufactured and sold to the customer (or paid), and the card information is included in the charge / use card. If it is matched with the charge card information, the charge processing unit 920 (or charge / use card charging means) for charging the charge / use card to charge, and generates a charge history including the charge / use card charging results History generation unit 925, the generation unit 930 for generating charge / use card charging result information including the charge history, and the generated charge / through the communication channel in conjunction with the communication unit And an information transmitter 935 for transmitting usage card charging result information to the client terminal 135. After the charging process, the charging amount is transferred to a card issuer operating the charging / use card. It is characterized in that it further comprises a charge settlement portion 940 for the settlement process.

When the charge / use card charge request information is received, the card information checking unit 915 checks the card information included in the charge / use card charge request information, and the confirmed card information is shown in FIG. 2 or 4. It is characterized in that it is made through the charging / using card manufacturing system shown in the check whether it matches with the disposable charging card information contained in the charging / using card sold (or paid) to the customer.

When the card information included in the charge / use card charge request information is matched with the disposable charge card information included in the charge / use card by the card information checker 915, the charge processor 920 may store the storage medium. 960 activates the charging function of the confirmed disposable charging card information and the use function of the use card associated with the disposable charging card, and the charge amount stored in association with the disposable charging card information in the storage medium 960. And charge amount information included in the charge / use card charge request information is added to the information.

When the charge processing procedure through the disposable charge card for the charge amount is completed by the charge processor 920, the history generator 925 is charged the charge / use card charged by the charge processor 920 It is characterized by generating a charge history including the result.

When the charging history is generated, the generation unit 930 generates charging / use card charging result information including the charging history, and the information transmitting unit 935 is connected to the communication unit to communicate with the communication unit. The generated charge / use card charging result information is transmitted to the client terminal 135 through a channel.

In addition, when the charge for the charge amount is processed by the charge processor 920, the charge settlement unit 940 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. 9, the charge / use card charging server 110 registers (or sets) a customer wireless terminal of a customer who purchased (or received) the charge / use card as a recharge card of the charge / use card. And a wireless terminal information confirming unit 945 (or wireless terminal information confirming means or charging card confirming means) confirming customer wireless terminal information included in the charge / use card charging request information. And a charge card registration unit 950 (or charge card registration means) for changing the disposable charge card information charging the charge amount into customer wireless terminal information in association with 960.

When the charge amount is charged through the disposable charging card, the wireless terminal information checking unit 945 checks the customer wireless terminal information to be registered as a rechargeable card of the charging / use card from the charging / use card charging request information. It is done.

If the customer wireless terminal information is confirmed, the charging card registration unit 950 is connected to the storage medium 960 based on the charge / use card charging request information based on the disposable charge card information charging the charge amount And confirming and replacing the disposable charging card information with the customer wireless terminal information. After that, the customer wireless terminal is used as a charging card of the charging / use card.

Referring to FIG. 9, when the customer wireless terminal information is registered as a charge card of the charge / use card, the charging / use card charging server 110 stores the subscriber information on the customer wireless terminal. The name confirmation processing unit 955 (or the name confirmation processing means) that checks the subscriber information for the customer wireless terminal in connection with the carrier server 965 having a / B (960) to process the charge / use card name information Preferably, the name confirmation processing unit 955 may be provided in a separate name verification server 100 in addition to the charge / use card charging server 110.

The customer wireless terminal of the customer who purchased (or received) the charge / use card is registered (or set) as a recharge card of the charge / use card, and the customer wireless terminal information is transferred to the charge card of the charge / use card. If registered, the name confirmation processing unit 955 provides the customer wireless terminal information to the communication company server 965 having a subscriber D / B 960 for storing subscriber information for the customer wireless terminal, the communication company After receiving subscriber information corresponding to the customer wireless terminal information from the server 965, the received subscriber information is processed as the charge / use card name information.

10A and 10B illustrate a charging process of a charge / use card according to another exemplary embodiment of the present invention.

In more detail, FIGS. 10A and 10B are shown in FIG. 9 based on a charge / use card manufactured through the charge / use card manufacturing system shown in FIG. 2 or 4 and sold (or paid) to a customer. When the client terminal 135 on the charge / use card charging system generates charge / use card charge request information and transmits it to the charge / use card charge server 110 in a non-face-to-face manner, the charge / use card charge server 110 Regarding the process of charging the charge amount to be used through the use card of the charge / use card through the charge / use card charge request information, if the person of ordinary skill in the art to which the present invention belongs, this figure 10a And by referring to Figure 10b and / or modified may be inferred various implementation methods for the charge request process of the charge / use card, the present invention is inferred It is made including all the implementation method, the technical features are not limited only to the implementation method shown in this drawing 10a and 10b.

10A and 10B, the charge / use card charging server 110 on the charge / use card charging system shown in FIG. 9 is referred to as " server " for convenience, and the charge / use card charging shown in FIG. The client terminal 135 on the system is referred to as "terminal" for convenience.

10A and 10B, a terminal on the charge / use card charging system shown in FIG. 9 connects to the server through the communication network and connects a communication channel for charging / use card charging (1000).

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 inputs (or selects) the charge / use card charge request information including card information and charge amount information corresponding to the disposable charge card of the charge / use card at the terminal. Generate (or extract) a charging / use card charging interface including 1010 and transmit the generated (or extracted) charging / use card charging interface to the terminal through the communication channel (1015).

Then, the terminal and the card information corresponding to the disposable charge card of the charge / use card through the user interface included in the charge / use card charging interface for input (or selection) of the charge / use card charging request information; In operation 1020, the charging / use card charging request information including the charging amount information is input (or selected).

According to an embodiment of the present invention, in order to register (or set) a customer wireless terminal of a customer who has purchased (or received) the charge / use card as a recharge card of the charge / use card, charging the charge / use card Preferably, the request information further includes the customer wireless terminal information.

If the charge / use card charge request information is input (or selected) in the terminal (1025), the terminal charges the card information corresponding to the disposable charge card of the charge / use card to the server through the communication channel. The charge / use card charge request information including the price information is transmitted, and in response, the server receives charge / use card charge request information (z30).

When the charge / use card charge request information is encrypted and transmitted from the client terminal 135 through an encryption key of the card company server according to an 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 the card information and the charging information included in the charge / use card charge request information (1035), and the confirmed card information uses the charge / use card manufacturing system shown in FIG. 1010 checks whether it matches the disposable charge card information included in the charge / use card manufactured and sold to the customer (or paid).

If the check result, the card information is matched with the disposable charge card information contained in the charge / use card that the card is produced through the charge / use card manufacturing system shown in Figure 2 or 4 to sell (or paid) to the customer If not (1045), the server generates charging / use card charging result information including the charging error information and transmits to the terminal (1050), and correspondingly the terminal transmits the charging error information through the communication channel. Receiving and outputting the included charging / use card charging result information (1055).

On the other hand, if the card information is matched with the disposable charge card information of the charge / use card which is produced through the charge / use card manufacturing system shown in FIG. 2 or 4 and sold (or paid) to the customer (1045). The server activates the charging function of the identified disposable charging card information and the use function of the use card associated with the disposable charging card in association with the storage medium 960, and the disposable charging of the storage medium 960. In operation 1060, the charge amount information included in the charge / use card charge request information is added to the charge amount information stored in association with the card information.

Thereafter, the server generates a charge history including the charge / use card charge result (1065).

Thereafter, the server generates charging / use card charging result information including the charging history and transmits the result to the terminal (1070), and correspondingly, the terminal charges / uses including the charging history through the communication channel. The card charging result information is received and output (1055).

Thereafter, the charge / use card charging server 110 registers (or sets) the customer wireless terminal of the customer who purchased (or received) the charge / use card as a recharge card of the charge / use card. From the charge / use card charge request information, check the customer wireless terminal information to be used as a charge card (= recharge card) of the charge / use card (1075).

If the customer wireless terminal information to be used as a charge card (= recharge card) of the charge / use card is confirmed (1080), the charge / use card charge server 110 is connected to the storage medium 960 to charge / charge the card. On the basis of the use card charge request information, the disposable charge card information charging the charged amount is checked, and the disposable charge card information is replaced with the customer wireless terminal information and stored (1085).

If the disposable charging card information is changed to the customer wireless terminal, and the customer wireless terminal is registered as a charging card of the charging / use card (1090), the charging / use card charging server 110 is connected to the customer wireless terminal. Providing the customer wireless terminal information to a telecommunication company server 965 having a subscriber D / B 960 storing subscriber information for the subscriber information, and receiving the subscriber information corresponding to the customer wireless terminal information from the telecommunication company server 965. After receiving, the received subscriber information is processed as the charge / use card name information (1095).

11 is a view showing a charge / use card name confirmation system according to an embodiment of the present invention.

In more detail, in FIG. 11, a customer who purchased (or received) a charge / use card manufactured through the charge / use card manufacturing system shown in FIG. 2 or 4 issues a card through the communication network of the client terminal 135. In the case of providing name confirmation information for the charge / use card, the card issuer processes the name confirmation information as charge / use card name information for the charge / use card, Registering the customer wireless terminal of the customer who purchased (or received) the use card as a charge card (or recharge card) of the charge / use card made through the charge / use card manufacturing system shown in FIG. 2 or FIG. As for the system configuration, those of ordinary skill in the art to which the present invention pertains, refer to and / or modify the present Figure 11 to the charge / use card device Would be able to infer a variety of exemplary ways to determine the system configuration, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 11.

Hereinafter, on the charge / use card name confirmation system shown in FIG. 11, name confirmation information provided from the client terminal 135 is stored in the storage medium 1130 to check the name of the charge / use card. Charge card of the charge / use card produced through the charge / use card manufacturing system shown in the drawing 2 or 4 to the customer wireless terminal of the customer who purchased (or received) the charge / use card in the name confirmation process (Or recharging card) registers at least one or more means, or components corresponding to the functional configuration is referred to as "name server 100" for convenience.

Referring to FIG. 11 according to an embodiment of the present invention, the charge / use card name confirmation system is connected to at least one or more client terminals 135 connected to a communication network and the client terminal 135 through a communication network, Receives the name confirmation information for the charge / use card produced by the charging / use card manufacturing system shown in FIG. 2 or 4 from the client terminal 135 through the communication network and sold (or paid) to the customer. And a name verification server 100 for processing the name verification information as charge / use card name information for the charge / use card and storing the name verification information in the storage medium 1130. 100) shows the customer wireless terminal of the customer who purchased (or received) the charge / use card in the name verification process in FIG. 2 or FIG. The is characterized in that registration using the charge card (or recharge card) of the charge / A card produced by the charge / A card production system.

The client terminal 135 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). A mobile communication terminal comprising at least one wired terminal including a desktop computer or a laptop connected to the named server 100, or connected to a code division multiple access (CDMA) based mobile communication network, or HSDPA A wireless communication terminal connected to a (High Speed Downlink Packet Access) based wireless communication network, a mobile Internet terminal connected to an IEEE 802.16x based high-speed wireless Internet, or a wireless LAN terminal connected to an IEEE 802.11x based wireless LAN network. It comprises at least one or more wireless terminals including one or more, or the wired communication network or wireless communication network Including any one of a TV apparatus (not shown) through the communication network comprises a two-way communication is possible IP-TV or digital TV or the DMB at least one at least one characterized in that formed.

According to an embodiment of the present invention, the client terminal 135 at least one for inputting (or selecting) name verification information including at least one of customer information and charge / use card information from the name verification server 100. The name confirmation server 100 receives and outputs the above-mentioned name confirmation interface, and inputs (or selects) name confirmation information including at least one of customer information and charge / use card information through the name confirmation interface. It is desirable to have a functional configuration (e.g., a browser program and a communication function) for transmission to the network.

According to an embodiment of the present invention, a charging card (or a charging card for a charge / use card produced through a charge / use card manufacturing system shown in FIG. In order to register with a rechargeable card), the name confirmation information preferably further comprises the customer wireless terminal information.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the client terminal 135 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 135 is a wired terminal, the communication network includes the TCP / IP based wired communication network, and when the client terminal 135 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 storage medium 1130 provided on the card issuer for checking the name of the charge / use card is manufactured through the charge / use card manufacturing system shown in FIG. 2 or 4 to be sold (or paid) to a customer. Disposable charge card information (or blank charge card information) corresponding to the charge card of the used charge / use card, charge amount information charged through the charge card of the charge / use card, and use card information of the charge / use card It is characterized by storing in association with.

According to the exemplary embodiment of the present invention, the name checking server 100 connects a communication channel with the client terminal 135 through the communication network to provide a web interface corresponding to the client terminal 135 and the communication network. And an interface unit 1100 for managing, whereby the name checking server 100 performs a function of a web server connected to the client terminal 135 via a wired communication network or a wireless communication network. Equipped.

According to an embodiment of the present invention, when the client terminal 135 is a wired terminal to which a communication channel is connected through a TCP / IP-based wired communication network, the interface unit 1100 may connect the client terminal 135 with HTTP ( Connecting a communication channel based on a Hyper-Text Transfer Protocol protocol, transmitting and outputting a name confirmation interface in the form of a Hyper-Text Markup Language (HTML) compatible document to the client terminal 135 through the communication channel; It is preferable to perform a function of receiving and processing the name confirmation information input (or selected) through the name confirmation interface from the client terminal 135.

According to another exemplary embodiment of the present invention, when the client terminal 135 is a wireless terminal to which a communication channel is connected through a CDMA based wireless communication network, the interface unit 1100 is connected to the client terminal 135 and a WAP (Wireless). Connect a communication channel based on an Application Protocol (ME) or Mobile Explorer (ME) protocol, and transmit a WML (Wireless Markup Language) or HTML-compatible document type confirmation interface to the client terminal 135 through the communication channel. It is preferable to perform the function of receiving and outputting the name confirmation information corresponding to the name confirmation interface from the client terminal 135.

According to another exemplary embodiment of the present invention, when the client terminal 135 is a wireless terminal to which a communication channel is connected through an IEEE 802.16x based wireless communication network, the interface unit 1100 may be connected to the client terminal 135. A communication channel is connected based on a wireless protocol corresponding to the IEEE 802.16x standard, a name confirmation interface is transmitted to the client terminal 135 through the communication channel, and is output. The name confirmation is confirmed from the client terminal 135. It is preferable to perform a function of receiving and processing name confirmation information corresponding to an interface, or when the client terminal 135 is a wireless terminal to which a communication channel is connected through an IEEE 802.11x based wireless communication network, the interface unit ( 1100 is a communication channel based on a wireless protocol corresponding to the client terminal 135 and the IEEE 802.11x standard. To the terminal, and transmits and outputs a name confirmation interface to the client terminal 135 through the communication channel, and receives and processes the name confirmation information corresponding to the name confirmation interface from the client terminal 135. It is preferable.

Referring to FIG. 11, when the client terminal 135 accesses the name verification server 100 through the interface unit 1100 and requests registration of the name verification information, the interface unit ( In connection with 1100, the client terminal 135 generates (or extracts) a name verification interface for inputting (or selecting) and transmitting name verification information including at least one of customer information and charge / use card information. An information receiving unit 1110 which receives the identification information transmitted from the client terminal 135 through the name confirmation interface (or selected) in connection with the interface providing unit 1105 and the interface unit 1100. And a name verification processing unit 1115 (or a name verification processing means) for processing the received name verification information as the charge / use card name information. Characterized in that eojineun.

The interface providing unit 1105 has a functional configuration (for example, a client terminal) provided to the client terminal 135 when the client terminal 135 connects to the name checking server 100 through the interface unit 1100. A name confirmation interface that can input (or select) name confirmation information and transmit the name confirmation information to the name verification server 100 through the communication network, or from a database (not shown). And extracting the generated (or extracted) name checking interface in cooperation with the interface unit 1100 to the client terminal 135 through the communication network.

Thereafter, the client terminal 135 inputs (or selects) name confirmation information including at least one of customer information and charge / use card information based on the name confirmation interface, and the name confirmation information is input (or selected). ), The client terminal 135 transmits the input (or selected) name confirmation information to the name confirmation server 100 through the communication network.

According to an embodiment of the present invention, a charging card (or a charging card for a charge / use card produced through a charge / use card manufacturing system shown in FIG. In order to register with a rechargeable card), the name confirmation information preferably further comprises the customer wireless terminal information.

Those skilled in the art to which the present invention pertains, the client terminal 135 at least one of the customer information and the charge / use card information through at least one form (Form) included in the name confirmation interface Technical features for inputting (or selecting) name verification information including one or more, and technical features for transmitting the input (or selection) of the identification information input through the communication protocol provided by the communication network to the name verification server 100. Since it will be familiar with, detailed description thereof will be omitted for convenience.

The information receiver 1110 inputs (or selects) the name confirmation information through the name checking interface from the client terminal 135 and transmits the name checking information through the communication network. It characterized in that for receiving, and provides the received name confirmation information to the name confirmation processing unit 1115.

The name confirmation processing unit 1115 is a charge card corresponding to the charge card of the charge / use card with name confirmation information including at least one or more of the customer information and the charge / use card information received through the information receiving unit 1110 By storing in the storage medium 1130 in association with the information or credit card information, the received name confirmation information is produced through the charging / using card manufacturing system shown in Figure 2 or Figure 4 to sell (or pay) to the customer The charging / using card name information on the charged / used card is processed.

Referring to FIG. 11, the name confirmation server 100 is a charge / produced through the charge / use card manufacturing system shown in Figure 2 or Figure 4 the customer wireless terminal in the confirmation process shown in FIG. In order to register as a recharging card (or a recharging card) of the use card, the wireless terminal information confirming unit 1120 (or wireless terminal information confirming means or recharging card confirming means) confirming the customer wireless terminal information included in the name confirmation information. And a charge card registration unit 1125 (or a charge card registration unit) for changing the disposable charge card information charging the charge amount into customer wireless terminal information in association with the storage medium 1130. do.

When the name of the charge / use card is confirmed by the name checking processing unit 1115, the wireless terminal information checking unit 1120 determines the charge card (or the rechargeable card) of the charge / use card from the name checking information. Characterized in that to check the customer wireless terminal information to be registered as.

If the customer wireless terminal information is confirmed, the charge card registration unit 1125 is connected to the storage medium 1130 through the charge / use card manufacturing system shown in FIG. 2 or 4 in the storage medium 1130 Check the disposable charging card information (or the blank charging card information) stored in the storage device, and replace the disposable charging card information (or the blank charging card information) with the customer wireless terminal information, and then store the customer wireless terminal. Is characterized in that used as a charging card (or rechargeable card) of the charge / use card.

12 is a view showing a process of confirming the name of the charge / use card according to the embodiment of the present invention.

In more detail, in FIG. 12, the client terminal 135 on the charge / use card name confirmation system shown in FIG. 11 provides at least one of customer information and charge / use card information to the name confirmation server 100 through a communication network. When the name confirmation information is transmitted, the name confirmation server 100 is to store the name confirmation information in the storage medium 1130, if the person having ordinary knowledge in the art to which the present invention belongs, By referring to and / or modifying the drawing 12, it is possible to infer various implementation methods for the process of confirming the name of the charge / use card, but the present invention includes all the implementation methods inferred above, It is not limited only to the implementation method.

In the following figure 12, the name confirmation server 100 on the charge / use card name confirmation system shown in FIG. 11 is referred to as " server " for convenience, and the client terminal on the charge / use card name confirmation system shown in FIG. Reference numeral 135 is referred to as a "terminal" for convenience.

Referring to FIG. 12, the terminal on the charging / use card name confirmation system shown in FIG. 11 accesses the server through the communication network and connects a communication channel for checking the name of the charge / use card (1200).

Those skilled in the art to which the present invention pertains, the terminal is connected to the server according to the communication protocol corresponding to the communication network through a browser program corresponding to the communication network to confirm the name of the charge / use card Since it will be familiar with the technical features for connecting the communication channel for, the detailed description thereof will be omitted for convenience.

When the communication channel for the name confirmation of the charge / use card is connected between the terminal and the server as described above, the terminal requests the name confirmation interface for the name confirmation of the charge / use card to the server through the communication channel and (1205) Correspondingly, the server generates a name checking interface including a user interface for inputting (or selecting) name checking information including at least one of the customer information and charge / use card information in the terminal ( Or extract (1210) and transmit the generated (or extracted) name checking interface to the terminal through the communication channel (1215).

According to an embodiment of the present invention, a charge card (or a charge / use card of a charge / use card produced through the charge / use card manufacturing system shown in FIG. In order to register with a rechargeable card), the name confirmation information preferably further comprises the customer wireless terminal information.

Thereafter, the terminal inputs (or selects) identification information including at least one of the customer information and charge / use card information through the user interface included in the name verification interface for inputting (or selecting) the name verification information. To be selected) (1220).

If the name confirmation information is input (or selected) at the terminal (1225), the terminal transmits the name confirmation information including at least one of the customer information and the charge / use card information to the server through the communication channel. And in response thereto (1230), the server stores the received name verification information in a storage medium 1130 (1235), thereby storing the name verification information in the charge / use card shown in FIG. Recharge / use card name information for recharge / use cards produced through the production system and sold (or paid) to customers is processed.

Thereafter, the server registers (or sets) the customer wireless terminal of the customer who purchased (or received) the charge / use card as a charge card (or recharge card) of the charge / use card. Check the customer wireless terminal information to be used as a charge card (= recharge card) of the charge / use card from (1240)

If the customer wireless terminal information to be used as a charge card (= recharge card) of the charge / use card is confirmed (1245), the charge / use card charging server 110 is connected to the storage medium 1130 to the drawing 2. Alternatively, the disposable charge card information (or blank charge card information) stored in the storage medium 1130 is checked through the charging / use card manufacturing system shown in FIG. 4, and the confirmed disposable charge card information (or blank charge card information) is confirmed. ) Is replaced with the customer wireless terminal information and stored (1250).

FIG. 13 illustrates a configuration of a charge / use card charging system for charging a charge / use card through a customer wireless terminal 1350 registered as a charge card (or a charge card) of a charge / use card according to an embodiment of the present invention. One drawing.

More specifically, FIG. 13 illustrates a customer wireless terminal 1350 of a customer who purchased (or received) a charge / use card manufactured through the charge / use card manufacturing system shown in FIG. 2 or FIG. 4. Alternatively, after registering as a charge card (or a rechargeable card) of the charge / use card through the charge / use card charging system shown in FIG. 9 to the charge / use card name confirmation system shown in FIG. Regarding a system configuration for charging the charge / use card through a customer wireless terminal 1350 registered as a charge card (or a rechargeable card), the person skilled in the art to which the present invention pertains, FIG. 13 Charging / use card charging system for charging and using the charge / use card through the customer wireless terminal 1350 registered as a charge card (or recharge card) of the charge / use card by referring to and / or 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 to the implementation method shown in FIG.

Referring to FIG. 13, the charge / use card charging system may be a wireless terminal of a customer who has purchased (or received) a charge / use card manufactured through the charge / use card manufacturing system shown in FIG. 2 or 4. The customer wireless terminal registered as a charge card (or a rechargeable card) of the charge / use card through the charge / use card charging system shown in FIG. 6 or 9 to the charge / use card name confirmation system shown in FIG. 1350 and a charge / use card charging server 110 configured to charge a predetermined charge amount through the customer wireless terminal 1350 registered as a charge card (or a recharge card) of the charge / use card. An IC chip banking server 1330 for processing IC chip banking in connection with the customer wireless terminal 1350, and a VM banking server 133 for processing VM banking in connection with the customer wireless terminal 1350. 5) a WAP banking server 1340 for processing WAP banking in connection with the customer wireless terminal 1350 and a carrier server 1345 for processing payment through a communication fee imposed on the customer wireless terminal 1350. It is preferred to comprise one or more further.

In FIG. 13, the charge / use card charging server 110 is illustrated as one server for convenience, but this is an exemplary method for efficiently describing the technical features of the charge / use card charging server 110 in the present invention. Only, it will be apparent that the charge / use card charging server 110 may be implemented in a system form 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 charge / use card charging system.

The customer wireless terminal 1350 may be a mobile communication terminal connected to a code division multiple access (CDMA) based mobile communication network, a wireless communication terminal connected to a high speed downlink packet access (HSDPA) based wireless communication network, or an ultra-high speed based on IEEE 802.16x. Preferably, at least one of a portable Internet terminal connected to the wireless Internet, or a wireless terminal including at least one or more wireless LAN terminals connected to an IEEE 802.11x-based wireless LAN communication network, is charged through the IC chip banking Charge the charge / use card through the VM banking, or charge the charge / use card through the WAP banking, or the customer wireless terminal ( The charge / use card through a communication fee charged to the customer wireless terminal 1350 in the wireless communication network connected to 1350 By having one or more features configured to charge the charge amount is characterized in that formed.

Those skilled in the art will be familiar with the functional configuration to be provided in the customer wireless terminal 1350 for the IC chip banking, VM banking, WAP banking and communication fee payment. The detailed description thereof will be omitted for convenience.

The IC chip banking server 1330 is a generic term for a server that processes IC chip banking in association with the customer wireless terminal 1350, and a payment means (eg, a credit card) on an IC chip provided in the customer wireless terminal 1350. , Check card) / financial means (e.g., customer account, virtual account, online account, cash card) using any one of the charging means using the charging / using card production system shown in Figure 2 or 4 The customer wireless terminal 1350 is charged to the customer via the charge / use card charging system shown in FIG. 6 or 9 to the charge / use card name confirmation system shown in FIG. Transfer (or deposit) to a fund management account (or virtual account for each use card that uses the fund management account as the parent account) that manages the funds of the charge / use card registered as the charge card (or recharge card) of the use card Check the wireless banking function and the information on the customer wireless terminal 1350 requesting the IC chip banking during the wireless banking process, and transmits the customer wireless terminal 1350 information to the charge / use card charging server 110. A charge card approval function for checking whether the customer wireless terminal 1350 is registered as a charge card (or a recharge card) of the charge / use card, and the customer wireless terminal 1350 when the wireless banking is normally processed. And an information providing function for providing the wireless banking result information including information and charge amount information (eg, banking amount information) to the charge / use card charging server 110.

The VM banking server 1335 is a generic term for a server that processes VM banking in connection with the customer wireless terminal 1350, and a payment means (for example, issued to a customer through a VM provided in the customer wireless terminal 1350). Credit card, check card) / financial means (for example, customer account, virtual account, online account, cash card) using any one of the charge / use card production system shown in FIG. The customer wireless terminal 1350 may be manufactured and sold (or paid) to the customer and through the charge / use card charging system shown in FIG. 6 or 9 to the charge / use card name confirmation system shown in FIG. Transfer to a fund management account (or virtual account for each use card that uses the fund management account as a parent account) that manages the funds of the charge / use card registered as a charge card (or a recharge card) of the charge / use card. (Or deposit) the wireless banking function, and during the wireless banking process, checks the customer wireless terminal 1350 information that requested the VM banking, and the customer wireless terminal 1350 information to the charge / use card charging server 110 Charging card approval function to check whether the customer wireless terminal 1350 is registered as a charging card (or a recharging card) of the charging / use card, and the customer wireless terminal when the wireless banking is normally processed. (1350) an information providing function for providing wireless banking result information including information and charge amount information (eg, banking amount information) to the charge / use card charging server 110.

The WAP banking server 1340 is a generic term for a server processing WAP banking in connection with the customer wireless terminal 1350, and a payment means (for example, issued to a customer through a browser provided in the customer wireless terminal 1350). Credit card, check card) / financial means (for example, customer account, virtual account, online account, cash card) using any one of the charge / use card production system shown in FIG. The customer wireless terminal 1350 may be manufactured and sold (or paid) to the customer and through the charge / use card charging system shown in FIG. 6 or 9 to the charge / use card name confirmation system shown in FIG. A fund management account (or virtual account for each use card that uses the fund management account as a parent account) to operate the funds of the charge / use card registered as a charge card (or a recharge card) of the charge / use card. Check the wireless banking function to transfer (or deposit) the information, and the customer wireless terminal 1350 requesting the WAP banking during the wireless banking process, and charge the charge / use card with the customer wireless terminal 1350 information. Charge card authorization function to check whether the customer wireless terminal 1350 is registered as a charging card (or a recharging card) of the charge / use card by transmitting to the server 110 and, if the wireless banking is processed normally, And an information providing function of providing wireless banking result information including customer wireless terminal 1350 information and charge amount information (eg, banking amount information) to the charge / use card charging server 110. .

The telecommunication company server 1345 is a generic term for a server that charges a communication fee to the customer wireless terminal 1350 and processes a communication fee payment. In the wireless communication network to which the customer wireless terminal 1350 is connected, the customer wireless terminal ( 1350 is produced through the charging / use card manufacturing system shown in FIG. 2 or 4 using the communication fee charged as a charging means, and is sold (or paid) to the customer, and is shown in FIG. 6 or 9. Of the charge / use card that has registered the customer wireless terminal 1350 as a charge card (or a recharge card) of the charge / use card through the charged / use card charging system to the charge / use card name confirmation system shown in FIG. A communication fee payment function that transfers (or deposits) a funds management account (or a virtual account for each credit card using the fund management account as a parent account) to manage funds; In the processing, confirm the customer wireless terminal 1350 information requesting the payment of the communication fee, and transmits the customer wireless terminal 1350 information to the charge / use card charging server 110 to the customer wireless terminal 1350 A charge card approval function for checking whether the charge / use card is registered as a charge card (or a recharge card), and if the communication fee payment is normally processed, the customer wireless terminal 1350 information and the charge amount information ( For example, it is characterized in that it comprises an information providing function for providing the charge / use card charging server 110 with the communication fee payment result information, including banking amount information).

Those skilled in the art to which the present invention pertains can communicate with the wireless banking function of the IC chip banking server 1330, the VM banking server 1335, and the WAP banking server 1340 and the communication company server 1345. Since you will be familiar with the technical features of the bill payment function, a detailed description thereof will be omitted for convenience.

According to an exemplary embodiment of the present invention, the charge / use card charging server 110 may include at least one of the IC chip banking server 1330, the VM banking server 1335, the WAP banking server 1340, and the communication company server 1345. And an interface unit 1300 for connecting and managing a communication channel for receiving wireless banking result information (or communication fee payment result information) from a server.

According to the exemplary embodiment of the present invention, the interface unit 1300 may include a communication protocol and a security policy defined by the IC chip banking server 1330, the VM banking server 1335, the WAP banking server 1340, and the communication company server 1345. And receive wireless banking result information (or communication fee payment result information) from at least one of the IC chip banking server 1330, the VM banking server 1335, the WAP banking server 1340, and the telecommunication company server 1345. It is desirable to connect a communication channel for the purpose of communication.

Referring to FIG. 13, the charge / use card charging server 110 may be connected to at least one of the IC chip banking server 1330, the VM banking server 1335, and the WAP banking server. In response to the charge card authorization function provided, the information receiving unit 1305 (or information receiving unit 1305) (or information receiving the customer wireless terminal 1350 requesting wireless banking (or communication fee payment) from the wireless banking server (or carrier server 1345)) (or Information receiving means) and the charge card checking unit 1315 to confirm whether the received customer wireless terminal 1350 is registered as a charge card (or a rechargeable card) of the charge / use card in association with the storage medium 1325. (Or a charging card checking means) and the customer wireless terminal 1350 is registered as a charging card (or a recharging card) of the charging / using card, charging the server to which the customer wireless terminal 1350 information is transmitted. Send card authorization information, When the customer wireless terminal 1350 is registered as a charging card (or a recharging card) of the charge / use card, an information transmitter for transmitting charging card error information to a server that has transmitted the customer wireless terminal 1350 information ( 1310 (or information transmission means), and according to the intention of the person skilled in the art, the customer wireless terminal 1350 of the wireless banking (or communication fee payment) is registered as a charge card of the charge / use card It may be omitted to make sure that it is.

The wireless banking server (or carrier server) in response to a charge card authorization function provided in at least one of the IC chip banking server 1330, the VM banking server 1335, and the WAP banking server, the wireless banking server or the carrier server 1345. In operation 1345, when the client wireless terminal 1350 transmits the information requesting the wireless banking (or communication fee payment), the information receiver 1305 may receive the wireless banking (or the carrier server 1345) from the wireless banking server (or the carrier server 1345). Or receiving the customer wireless terminal 1350 requesting the communication fee payment).

When the customer wireless terminal 1350 information is received, the charging card checking unit 1315 is connected to the storage medium 1325 and the customer wireless terminal 1350 information matching the received customer wireless terminal 1350 information. By checking whether is stored in the charge card area on the storage medium 1325, it is characterized in that the customer wireless terminal 1350 is registered as a charge card (or recharge card) of the charge / use card.

If the customer wireless terminal 1350 is registered as a charging card (or a recharging card) of the charge / use card, the information transmitter 1310 charges the charging card to the server that transmits the customer wireless terminal 1350 information. Characterized in that it transmits the approval information, in response to the wireless banking server processes the wireless banking function, the carrier server 1345 performs a communication bill payment function.

On the other hand, when the customer wireless terminal 1350 is not registered as a charging card (or a recharging card) of the charge / use card, the information transmitter 1310 charges to the server that has transmitted the customer wireless terminal 1350 information. The card error information is transmitted. In response, the wireless banking server terminates the wireless banking function, and the service provider server 1345 terminates the communication fee payment function.

Referring to FIG. 13 according to an embodiment of the present invention, the charge / use card charging server 110 includes the IC chip banking server 1330, the VM banking server 1335, and the customer wireless terminal 1350. Through the wireless banking server of any one of the WAP banking server 1340, any one of a customer's payment means (eg, credit card, check card) / financial means (eg, customer account, virtual account, online account, cash card) After processing the wireless banking to transfer (or deposit) the recharge amount to the fund management account (or virtual account for each credit card using the fund management account as a parent account) by using the recharge amount as a charging means. When the wireless banking server has processed the wireless banking result information, the wireless banking server has an information receiver 1305 (or information receiving means) for receiving the wireless banking result information through the interface unit 1300.Characterized in that where the lure.

The customer wireless terminal 1350 is a payment method (eg, credit card, check) of the customer through any one of the wireless banking server of the IC chip banking server 1330, VM banking server 1335, WAP banking server 1340 A fund management account (or the funds) for operating the funds of the recharge / use card by using any one of the card) / financial means (e.g., customer account, virtual account, online account, cash card) as a recharging means. After processing (or depositing) a wireless banking to a virtual account for each card used as an operating account as a parent account, the wireless banking server in which the wireless banking is normally processed, the customer wireless terminal 1350 information and the charge amount information When the wireless banking result information is transmitted, the information receiver 1305 includes the customer wireless terminal 1350 information and the charge amount information from the wireless banking server through the interface unit 1300. And receiving wireless banking result information.

Referring to FIG. 13 according to another embodiment of the present invention, the charge / use card charging server 110 may include the customer wireless terminal 1350 via the communication server 1345 of the customer wireless terminal 1350. Using the communication charges charged as a charging means to transfer (or deposit) the recharge amount to a fund management account (or virtual account for each card using the fund management account as a parent account) that manages the funds of the recharge / use card. After processing the communication bill payment, and transmits the communication bill payment result information from the communication company server 1345, the communication bill payment processing, an information receiving unit for receiving the communication bill payment result information through the interface unit 1300 1305 (or information receiving means).

A fund management account for operating the funds of the charge / use card by using the communication fee charged by the customer wireless terminal 1350 to the customer wireless terminal 1350 through the telecommunication company server 1345 as a charging means. (Or a virtual bill for each credit card using the fund management account as a parent account), and after processing (or depositing) a communication fee payment, the customer's wireless terminal (1345) in the telecommunication company server (1345) in which the communication fee payment is normally processed. 1350) When the communication fee payment result information including the information and the charge amount information is transmitted, the information receiver 1305 is connected to the customer wireless terminal 1350 information from the communication company server 1345 through the interface unit 1300. Characterized in that the communication fee payment result information including the charge amount information is received.

Referring to FIG. 13, the charge / use card charging server 110 transmits wireless banking result information (or communication fee payment) including the customer wireless terminal 1350 information and the charge amount information through the information receiver 1305. Result information), check the customer wireless terminal 1350 information corresponding to the wireless banking result (or communication fee payment result) from the wireless banking result information (or communication fee payment result information), and the storage medium ( A charging card checking unit 1315 (or charging card checking means) for checking whether the checked customer wireless terminal 1350 is registered as a charging card (or a charging card) of the charging / using card in association with 1325; The charge / use card is charged to the charge / use card by using the customer wireless terminal 1350 as a charge card (or a charge card) of the charge / use card in association with the storage medium 1325. Pre-processor unit 1320 provided with a (or the charge processing means), characterized in that formed.

When the wireless banking result information (or communication fee payment result information) including the customer wireless terminal 1350 information and the charge amount information is received through the information receiving unit 1305, the charging card confirmation unit 1315 stores the information. The customer wireless terminal 1350 checks whether the customer wireless terminal 1350 information matching with the received customer wireless terminal 1350 information is stored in the charge card area on the storage medium 1325. It is characterized in that 1350 is registered as a charging card (or a rechargeable card) of the charging / use card.

When it is confirmed that the customer wireless terminal 1350 is registered as a charging card (or a recharging card) of the charging / using card through the charging card checking unit 1315, the charging processing unit 1320 is the storage medium 1325. Check the charge card information area in which the customer wireless terminal 1350 information is registered as a charge card (or a rechargeable card) of the charge / use card, and the customer wireless terminal 1350 information and the charge amount information It is characterized by storing in the storage medium 1325 in association with.

If the charging function of the customer wireless terminal 1350 is deactivated in the process of charging using the customer wireless terminal 1350 as a charging card (or a recharging card) of the charging / use card, the charging processing unit 1320 It is preferable to activate the charging function of the customer wireless terminal 1350.

Alternatively, when the use function of the use card associated with the customer wireless terminal 1350 is deactivated in the process of charging using the customer wireless terminal 1350 as a charging card (or a recharging card) of the charge / use card, the The charging processing unit 1320 preferably activates the use function of the use card associated with the customer wireless terminal 1350.

14 is a view showing a process of charging using the customer wireless terminal 1350 as a charging card (or rechargeable card) of the charge / use card according to the embodiment of the present invention.

In more detail, FIG. 14 shows the charge / charge of the customer wireless terminal 1350 of the customer who purchased (or received) the charge / use card manufactured through the charge / use card manufacturing system shown in FIG. 2 or FIG. Regarding the process of charging the charge / use card using a charge card (or a recharge card) of a use card, those skilled in the art to which the present invention pertains may refer to and / or modify this drawing. By using the customer wireless terminal 1350 as a charging card (or rechargeable card) of the charge / use card may be inferred various implementation methods for the process of charging, the present invention includes all the implementation methods inferred And the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 14, the charge / use card charging system using the charge / use card charging system shown in FIG. 6 or 9 to the charge / use card name confirmation system shown in FIG. 11 is used to charge the charge / use card. After registering as a card (or a rechargeable card), the wireless banking (or charging) to charge the charge amount using any one of the IC chip banking, VM banking, WAP banking and communication bill payment in the customer wireless terminal 1350 Communication billing) request (1400), the IC chip banking server 1330, VM banking server 1335, WAP banking server 1340 that received the wireless banking (or communication billing) request received The wireless banking server or the carrier server 1345 may refer to a banking target (or payment target) account for the wireless banking (or communication charge settlement) to request the wireless banking (or communication charge settlement) requested by the customer wireless terminal 1350.Check that the group figure 2 or figure 4, the charge / A card production system for the charge / charge card use amount from the wireless banking for about (or communication fee billing) produced through the city (1405).

According to an embodiment of the present invention, a banking target (or payment target) account for the wireless banking (or communication fee settlement) is a fund management account (or a fund management account as a parent account) that operates the charge / use card. ), Or when the banking target (or payment target) account is a card issuer account that operates the charge / use card, the wireless banking server or the telecommunication company server 1345 may request wireless from the customer wireless terminal 1350. Confirming that the banking (or communication fee payment) is wireless banking (or communication fee payment) for charging the charge amount for the charge / use card produced through the charge / use card manufacturing system shown in FIG. 2 or FIG. desirable.

If the check result is that the wireless banking (or communication charge payment) requested by the customer wireless terminal 1350 is not confirmed as the wireless banking (or communication charge payment) for charging the charge / use card (1410). The wireless banking server or carrier server 1345 processes the requested wireless banking (or communication billing) according to a conventional wireless banking (or communication billing) procedure (1415).

On the other hand, if it is confirmed that the wireless banking (or communication charge payment) requested by the customer wireless terminal 1350 is wireless banking (or communication charge payment) for charging the charge amount for the charge / use card (1410), the wireless The banking server or the carrier server 1345 checks the customer wireless terminal 1350 information requesting the wireless banking (or communication fee payment), and charges / uses the card charging server 110 to charge the checked customer wireless terminal 1350 information. In step 1420, the client wireless terminal 1350 requests that the customer wireless terminal 1350 is registered as a charging card (or a rechargeable card) of the charging / use card.

According to another exemplary embodiment of the present invention, the storage medium 1325 illustrated in FIG. 13 is provided in the wireless banking server or communication company server 1345, or the storage medium (1) in the wireless banking server or communication company server 1345. 1325, the wireless banking server or the carrier server 1345 checks whether the customer wireless terminal 1350 is registered as a charging card of the charging / use card from the storage medium 1325. It is possible.

The charging / use card charging server 110 receiving the customer wireless terminal 1350 information is connected to the storage medium 1325 to allow the customer wireless terminal 1350 to charge (or recharge) the charging card of the charging / use card. Card) (1425).

If the customer wireless terminal 1350 is not registered as a charging card (or a recharging card) of the charging / use card (1430), the charging / use card charging server 110 is connected to the wireless banking server or a carrier server ( 1345, the charging card error information is transmitted (1435), and correspondingly, the wireless banking server or telecommunication company server 1345 transmits wireless banking (or communication fee payment) error information to the customer wireless terminal 1350 ( 1440)

If the customer wireless terminal 1350 is registered as a charging card (or a recharging card) of the charging / use card (1430), the charging / use card charging server 110 is the wireless banking server or the carrier server 1345 And charging card authorization information (ie, information acknowledging that the customer wireless terminal 1350 is registered as a charging card (or a rechargeable card) of the charging / use card) (1445), and correspondingly, the wireless The banking server processes wireless banking using any one of IC chip banking, VM banking, and WAP banking as a charging means, and the telecommunication company server 1345 uses the communication fee payment as a charging means for the communication fee. The payment is processed (1450).

If the wireless banking (or communication fee payment) for charging the charge amount is processed (1455), the wireless banking server or carrier server 1345 charges / uses the customer wireless terminal 1350 information and the charge amount information The card is charged to the charging server 110 (1460).

According to another exemplary embodiment of the present invention, the customer wireless terminal 1350 information and the charge amount information may be transmitted from the customer wireless terminal 1350 to the charge / use card charging server 110. And a method of transmitting the customer wireless terminal 1350 information and the charge amount information from the customer wireless terminal 1350 to the charge / use card charging server 110.

Thereafter, the charge / use card charging server 110 checks the information of the customer wireless terminal 1350 registered as a charge card (or a recharge card) of the charge / use card in association with the storage medium 1325 (1465). In step 1470, the customer wireless terminal 1350 is used as a charging card (or a recharging card) of the charging / using card to charge the charged amount.

According to the method of the present invention, the charging / use card charging server 110 is connected to the storage medium 1325, the customer wireless terminal 1350 information is the charge card (or recharge card) of the charge / use card It is preferable to check the charge card information area registered as and to store the information on the customer wireless terminal 1350 and the charge amount information in the storage medium 1325.

If the charging function of the customer wireless terminal 1350 is deactivated in the process of charging the customer wireless terminal 1350 as a charging card (or a recharging card) of the charging / using card, the charging / using card charging The server 110 preferably activates the charging function of the customer wireless terminal 1350.

Alternatively, when the use function of the use card associated with the customer wireless terminal 1350 is deactivated in the process of charging using the customer wireless terminal 1350 as a charging card (or a recharging card) of the charge / use card, the Charging / use card Charging server 110 preferably activates the use function of the use card associated with the customer wireless terminal 1350.

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

More specifically, Figure 15 is produced through the charging / using card manufacturing system shown in Figure 2 or Figure 4 is sold (or paid) to the customer, the filling / shown in Figure 6 or Figure 9 or Figure 13 A charge / use card transaction system in which a charge / use card in which a charge is charged through a use card recharge system, registers BIN information assigned to the use card of the charge / use card with Bansa for use in payment / financial transactions. As one of ordinary skill in the art to which the present invention pertains, various methods of instituting the charge / use card transaction system configuration may be inferred by referring to and / or modifying the drawing 15. The present invention includes all the inferred implementation methods, and the technical features are not limited only to the implementation method illustrated in FIG.

For example, in FIG. 15, technical features of the specialized exchange protocol between the servers and the specialized structure conversion process according to the specialized exchange protocol are omitted for convenience, but the present invention basically includes the specialized structure conversion according to the specialized exchange protocol. Is to be made clear.

In addition, in FIG. 15, the transaction through the use card of the charge / use card is described with reference to a payment approval request requested from the affiliated store terminal 130 provided in the affiliated store, but the present invention is not limited thereto. The transaction through the use card of the charge / use card is characterized in that it includes all of the financial transactions through CD / ATM, online payment through a web server such as an internet shopping mall, but the present invention provides the financial transactions through online. By describing the technical configuration of the charge / use card transactions for the payment, it is possible to infer the system configuration for the financial transaction or online payment through the payment through the merchant terminal 130, the The configuration of a system for financial transactions or online payment will be omitted.

Hereinafter, the disposable charging card shown in FIG. 6 or FIG. 9 and the customer wireless terminal shown in FIG. 13 will be collectively referred to as a "charging card" of the charge / use card in this FIG. 15 and the flowchart shown below.

Referring to FIG. 15, the charge / use card transaction system may be manufactured and sold to a customer through an affiliate store terminal 130 provided at an affiliate store and a charge / use card manufacturing system illustrated in FIG. 2 or FIG. 4. A card issuing server 115 for operating a charge / use card in which a charged amount is charged through the charge / use card charging system shown in FIG. 6 or 9 or 13, and the merchant terminal 130; It is characterized in that it comprises a bansa server 125 for relaying the transmission of the request for approval transmitted from the professional to the professional relay target.

In FIG. 15, the bansa 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 bansa server 125 in the present invention. The bansa server 125 may be implemented 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 bansa. It is obvious.

In addition, although the card issuer server 115 is illustrated as one server in FIG. 15 for convenience, this is only one implementation method for efficiently describing the technical features of the card issuer server 115 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 115 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 issuer. It is clear that it may be spherical in component form.

The affiliated store terminal 130, at least one CAT (Credit Authorization Terminal) provided in the 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, it is preferable to further comprise a CD / ATM device for financial transactions according to the intention of those skilled in the art.

According to an embodiment of the present invention, the affiliated store terminal 130 includes at least one card reader for card payment processing, reads card information from a use card of the charge / use card through the card reader, and a key. After inputting transaction information (eg, transaction amount information, merchant information (or charging / use card use target terminal information) through an input device, and generating a full text of an authorization request including the card information, transaction information, and the merchant information) Characterized in that the transmission to the bansa server 125 through a communication network.

The bansa server 125 may include a public switched telephone network (PSTN), an intelligent network, an xDSL-based wired communication 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 the embodiment of the present invention, when the card information included in the approval request is a card issued by a domestic card company (or financial company), the bansa server 125 receives the approval request text received from the affiliated store terminal 130. It is preferable to relay transmission to the server provided in the domestic card company (or financial company).

According to the embodiment shown in FIG. 15, the bansa server 125 stores BIN information assigned to a use card of the charge / use card in a card company BIN D / B (not shown), whereby the bansa server The specialized relay target server 125 may include a card issuer server 115 that operates the charge / use card.

According to the exemplary embodiment of the present invention, the bansa server 125 receives the approval request message encrypted with the bansa encryption key from the merchant terminal 130, decrypts the approval request message with the bansa decryption key, and decrypts the decryption. Read the Bank Identification Number (BIN) on the card information included in the approved authorization request message to check the specialized relay target server to which the authorization request message is transmitted, and decode the authorization result message on the confirmed specialized relay target server. It is preferable to encrypt with an encryption key that is present and to transmit to the specialized relay target server.

The card issuer server 115 is a server that processes the payment / financial transaction through the use card of the charge / use card in a card issuer that produces and sells (or pays) the charge / use card ( Or device), the card issuer is a card company (or financial company) that issues a conventional payment card, or preferably comprises a separate charge / use card issuer that operates the charge / use card.

When the card issuing server 115 is a server provided at a card company (or a financial company) according to an embodiment of the present invention, the card issuing server 115 is a full text of an authorization request received from the bansa server 125. When the card information included in the card is recognized as a domestic card issued by the card company (or financial company), the credit limit or amount of transaction approval for the domestic card as a card company (or financial company) for the domestic card (for example, credit limit or linkage). Check the balance of the account, and process the transaction for the transaction amount included in the transaction information through the transaction approval limit amount, and included in the full approval request received from the bansa server 125. When the card information is the use card of the charge / use card, use card information corresponding to the card information included in the authorization request text and charge associated with the use card information Checks the charge card information of the use card and the charge amount information charged through the charge card, and processes the approval for the transaction amount included in the approval request text through the charge amount information charged through the charge card; It is characterized by.

According to the embodiment of the present invention, the card issuing server 115 receives and decrypts the entire authentication result encrypted with the encryption key of the card issuing server 115 from the bansa server 125 and includes it in the full text of the approval request. It is desirable to check the card information, transaction information and merchant information.

According to an embodiment of the present invention, when the card information is a domestic credit card, the card issuer server 115 performs a transaction approval limit amount (for example, a credit limit amount) for the charge / use card and for a predetermined period of time. Confirming the transaction approved cumulative transaction approval amount, summing the confirmed cumulative transaction approval amount and the transaction amount included in the transaction information, and comparing the summed amount with the confirmed transaction approval limit amount; If the limit amount is greater than the summed amount, it is desirable to approve the transaction.

According to another embodiment of the present invention, when the card information is a domestic check card, the card issuer server 115 checks a transaction approval limit amount (for example, the balance of the linked account) for the charge / use card. By comparing the transaction approval limit amount with the transaction amount included in the transaction information, when the transaction approval limit amount is larger than the transaction amount, it is preferable to approve the transaction.

Those skilled in the art to which the present invention pertains, may be familiar with the technical features of the technical features of the merchant terminal 130, the bansa server 125 and the card issuer server 115 operating as described above. Therefore, a more detailed description thereof will be omitted for convenience.

According to the present invention, the bansa server 125 stores the card company BIN D / B in association with BIN information on a domestic card issued by a domestic card company or a financial company, and card company (or financial company) server information corresponding to the BIN information. It is characterized by including (not shown).

Here, the BIN information for the domestic card is made of BIN information assigned to the use / use card of the charge / use card among the BIN information assigned to the card issuer, or include BIN information for the domestic card. desirable.

According to an embodiment of the present invention, the BIN information assigned to the use card of the charge / use card may be any one of a BIN that conforms to a BIN system of a domestic card-only BIN or a card brand company (for example, a visa card, a master card, etc.). It is preferable to comprise.

According to the embodiment illustrated in FIG. 15, the BIN information stored in the card company BIN D / B is produced and sold to the customer in addition to the BIN information corresponding to the card issued by the domestic issuer. Or BIN information corresponding to the used card of the charged / used card, whereby the bansa server 125 requests the approval based on the BIN information stored in the card company BIN D / B. Among the card information included in the full text, it is preferable to recognize and confirm the use card of the charge / use card produced and sold (or paid) by the card issuer to the customer.

Here, the BIN information corresponding to the use card of the charge / use card is stored in the card company BIN D / B through an association between the card issuer and the bansa, and the BIN information corresponding to the use card of the charge / use card is The card company BIN D / B for storing BIN information corresponding to a card issued by a domestic issuer may be stored in another database. Thus, the present invention is not limited thereto.

Preferably, the card company (or financial company) server information includes server information for identifying a specialized relay target server for relaying the authorization request message including the card information including the BIN information.

Referring to FIG. 15, the bansa server 125 may include an interface unit 1500 for connecting and managing a communication channel with an affiliated store terminal 130 provided at the affiliated store through a communication network (eg, a public communication network), and the interface. The approval request message receiving unit 1505 (or the specialized receiving means) for receiving the approval request message through the communication channel in association with the unit 1500 and the card information included in the received approval request message is read and the approval request is made. Special relay target confirmation unit (1515) (or card verification means) for checking the special relay target server to relay the full text, and approval request professional transmission unit (1520) for transmitting the approval request message to the identified professional relay target server (Or a professional relaying means), and an approval result message receiving unit 1525 receiving an approval result message including a transaction history corresponding to the approval request message from the specialized relay target server. In connection with the interface unit 1500, characterized in that it comprises the approval result transmission unit 1510 for transmitting the full text of the approval result including the transaction history to the affiliated store terminal 130 through a communication channel.

The interface unit 1500 transmits and receives transaction-related professional transmission and reception with the affiliated store terminal 130 provided at the affiliated store through a communication protocol corresponding to a communication network connecting the bansa server 125 and the affiliated store terminal 130 provided at the affiliated store. It is characterized in that for connecting the communication channel for, and maintaining and managing the communication channel until the specialized transmission and reception is completed.

The merchant terminal 130 connected to the communication channel reads card information from the charge / use card through a card reader, and uses transaction information (eg, transaction amount information, merchant information (or charge / use card use) through a key input device. After inputting the target terminal information), and generates an authorization request message including the card information, transaction information and the affiliated store information and transmits it through a communication network, the authorization request message receiving unit 1505 is connected to the interface unit 1500. It is characterized in that for receiving the approval request full text from the affiliated store terminal 130 in association.

If the approval request message is encrypted and transmitted from the affiliated store terminal 130 through the bansa encryption key, the approval request message receiving unit 1505 preferably decrypts the encrypted approval request message.

When the approval request message is received, the specialized relay target confirmation unit 1515 reads a BIN of card information included in the approval request message, and confirms the specialized relay target server to which the approval request message is to be relayed. do.

Here, when the card information included in the full text of the approval request is a domestic card, the specialized relay target server preferably includes a card company server or a financial company server that has issued a domestic card corresponding to the card information.

According to the implementation method shown in FIG. 15, the specialized relay target confirmation unit 1515 reads the BIN information of the use card of the charge / use card and transfers the card issuer server 115 to the specialized relay target server. It is desirable to confirm.

When the specialized relay target server to which the approval request message is to be relayed is confirmed by the specialized relay target confirmation unit 1515, the approval request specialized transmission unit 1520 is between the bansa server 125 and the specialized relay target server. The transmission of the approval request through the communication channel connected to the characterized in that the transmission to the specialized relay target server.

Thereafter, the expert relay target server performs a transaction approval procedure corresponding to the approval request message, and transmits the approval result message including a transaction history corresponding to the approval request message through the communication channel. The receiving unit 1525 may receive the full text of the approval result from the specialized relay target server through the communication channel.

When a transaction corresponding to the full text of the approval request is approved according to an exemplary embodiment of the present invention, the transaction details included in the full text of the approval result may include card information on the transaction approved recharge / use card, transaction approval date, and transaction approval. It is preferable to include at least one or more amounts, merchant information and transaction approval information.

According to another embodiment of the present invention, when a transaction corresponding to the approval request message is not approved, the transaction history included in the approval result message may include at least one card information and transaction error information for the charge / use card. It is preferable to comprise.

When the approval result message is received from the specialized relay target server, the approval result message transmission unit 1510 is connected to the interface unit 1500 and transmits the approval result message including the transaction history through the communication channel to the affiliate store. Characterized in that the transmission to the terminal 130, wherein the interface unit 1500 preferably further performs the process of verifying that the full text of the approval result is transmitted to the affiliated store terminal 130.

When the card issuing server 115 is a server provided at a card company (or financial company) according to an embodiment of the present invention, the card issuing server 115 is a payment card issued by the card issuer and the charge / A DBMS having a BIN information D / B 1570 for storing BIN information on a use card of a use card and card attribute information for each BIN of the card in association with each other, or operating the BIN information D / B 1570. Or a DB server (not shown) provided with the BIN information D / B 1570.

Here, the BIN information of the card issued by the card issuer includes the BIN information assigned to a payment card issued by the card issuer and a use card of the charge / use card among BIN information assigned to the card issuer. Or BIN information for domestic cards.

Preferably, the card attribute information for each BIN includes transaction attributes (e.g., credit transaction, linked account transaction) set for each BIN of a card issued by the card issuer, and the BIN information according to the transaction attribute. It is preferable that a transaction function (eg, credit card transaction function, check card transaction function, debit card transaction function) of a card including a is set.

According to the present invention, the card issuing server 115 links and processes card information, card attribute information, and card limit information corresponding to the card information issued to the customer and the card information issued by the card issuer. DB server provided with a card management D / B 1580 for storing, or interworking with a DBMS operating the card management D / B 1580, or provided with the card management D / B 1580 (not shown). It is preferable to link with).

Here, the customer information, personal information (for example, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.) of the customer who issued the card, member information (for example, member ID) of the customer Information).

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

The card attribute information may include transaction attributes (eg, postpaid, debit, prepaid, etc.) for the card issued to the customer, a royalty attribute including a mileage accumulation policy for the card, and the card associated with the card. Preferably, at least one additional service attribute is included.

The card limit information is for confirming a transaction approval limit amount for processing a transaction approval for a transaction amount requested through the card according to the transaction attribute (eg, postpaid, debit, or prepaid) of the card. It is preferable to include information.

According to an exemplary embodiment of the present invention, when the card includes a postpaid transaction attribute (eg, credit card transaction attribute), the card limit information may include credit limit amount information for the card.

According to another exemplary embodiment of the present invention, when the card includes a debit transaction attribute (eg, a check card transaction attribute or a debit card transaction attribute), the card limit information includes account information associated with the card. It is preferable.

According to another exemplary embodiment of the present invention, when the card includes a prepaid transaction attribute (for example, a prepaid card transaction attribute), the card limit information may include information about a charge amount charged in the card. .

According to the present invention, the card issuer server 115 includes a transaction history D / B 1575 for storing the transaction approved transaction history information when a transaction is approved through a card issued by the card issuer. Alternatively, it is preferable to interwork with a DBMS that operates the transaction history D / B 1575 or to a DB server (not shown) provided with the transaction history D / B 1575.

Herein, the transaction details information may include at least one or more card information about a transaction approved card, a transaction approval date, a transaction approval amount, merchant information, and transaction approval information.

The card information is information that matches card information provided in the card management D / B 1580, and preferably includes a card number. The card information includes the card management D / B 1580 through the card information. The transaction history D / B 1575 is preferably linked in a relational manner.

The transaction approval date and time may include date and time information of a transaction approval process of the transaction amount through the card in the card issuer server 115.

The transaction approval amount is preferably made by the card issuer server 115 includes the transaction approved amount information through the card, the settlement to be settled to the merchant of the transaction approved amount in accordance with the intention of the skilled person It is preferable that the price information is further included.

The affiliated store information is information for identifying an affiliated store that has requested a transaction approval for the transaction amount through the card, and the affiliated store information is settled among the affiliated store information (or affiliated store code) included in the full approval request and the transaction approved amount. It is preferable to include the merchant account information to settle the amount of money.

Preferably, the transaction approval information includes a transaction approval number assigned by the card issuer server 115 when the transaction is approved through the card.

Referring to FIG. 15, the card issuer server 115 may include a communication unit 1530 for connecting and managing a communication channel with the bansa server 125 through a communication network (eg, a dedicated communication network), and the communication unit 1530. A payment unit 1535 (or a professional receiving means) for receiving the full text of the approval request from the bansa server 125 and the card information included in the received full text of the approval request issued by the card issuer. A card information checking unit 1545 (or card checking means) for checking whether the card is a card or a card for use of the charge / use card, and the card information is confirmed (or recognized) by a payment card issued by the card issuer. A card transaction approval unit 1550 which checks a transaction approval limit amount corresponding to the card information and approves and processes a transaction for the transaction amount included in the approval request message through the confirmed transaction approval limit amount; Generate a transaction history including the transaction approval result, and generate the full text of the approval result including the transaction history, and in conjunction with the communication unit 1530 to the full text of the approval result generated through the communication channel to the Bansa server And a transmission unit 1540 (or specialized transmission means) for transmitting to 125, and when the transaction is approved by the card transaction approval unit 1550, transaction history information included in the transaction history. It further comprises a transaction history storage unit 1553 for storing in the transaction history D / B (1575).

The communication unit 1530 may be configured to connect a communication channel for transceiving a professional transaction with the bansa server 125 through a communication protocol corresponding to a communication network connecting the card issuer server 115 and the bansa server 125. It features.

When the bansa server 125 transmits the full text of the approval request through the communication channel, the receiving unit 1535 is connected to the communication unit 1530 and includes at least one or more card information, transaction information, and merchant information. Characterized in receiving the full text.

If the approval request message is encrypted and transmitted from the bansa server 125 through the encryption key of the card company server, the receiving unit 1535 preferably decrypts the encrypted approval request message.

When the authorization request message is received, the card information verification unit 1545 checks the card information included in the authorization request message, reads the BIN information included in the confirmed card information, and the card information is the card. It is characterized by checking whether the payment card issued by the issuer or the use card of the charge / use card.

If the card information is confirmed (or recognized) by the payment card issued by the card issuer, the card information verification unit 1545 is a card whose card is reported lost or not available in the card information verification process. It is preferable to further include a step of checking whether the card satisfies (for example, credit failure, delinquency, etc.) or the card has expired.

If the card information is confirmed (or recognized) as a payment card issued by the card issuer, the card transaction approval unit 1550 is provided in connection with the card information in the card management D / B (1580) The transaction approval limit amount corresponding to the limit information is checked, and the transaction for the transaction amount included in the approval request is based on the identified transaction approval limit amount.

According to the method of the present invention, the card transaction approval unit 1550, in order to confirm the transaction approval limit amount, first associates with the card management D / B 1580, the transaction attribute corresponding to the card information (eg, Post-payment, debit, prepayment, etc.) is preferable.

According to an exemplary embodiment of the present invention, when the card includes a postpaid transaction attribute (eg, credit card transaction attribute), the card transaction approval unit 1550 reads the credit limit amount information included in the card limit information. It is desirable to confirm with the transaction authorization limit amount on the card.

According to another exemplary embodiment of the present invention, when the card includes a debit transaction attribute (eg, a check card transaction attribute or a debit card transaction attribute), the card transaction approval unit 1550 is included in the card limit information. It is preferable to check the linked account information and check the balance information of the linked account in connection with a financial institution server (not shown) as the transaction approval limit amount for the card.

According to another exemplary embodiment of the present invention, when the card includes a prepaid transaction attribute (for example, a prepaid card transaction attribute), the card transaction approval unit 1550 receives the charge amount information included in the card limit information. It is preferable to confirm with the transaction approval limit amount for the card.

When the transaction approval limit amount for the card is confirmed, the card transaction approval unit 1550 grants a transaction approval or transaction for each transaction attribute on the transaction amount included in the authorization request text based on the confirmed transaction approval limit amount. It is characterized by checking whether there is an error.

According to an exemplary embodiment of the present invention, when the card includes a postpaid transaction attribute (for example, credit card transaction attribute), the card transaction approval unit 1550 schedules in connection with the transaction history D / B 1575. Confirm the cumulative transaction approval amount authorized for the transaction through the card, add the identified cumulative transaction approval amount and the transaction amount included in the transaction information, and add the sum and the confirmed transaction approval limit amount ( For example, it is preferable to confirm the approval of the transaction or a transaction error by comparing the credit limit amount).

For example, when the transaction approval limit amount (eg, credit limit amount) is larger than the sum of the sums, the card transaction approval unit 1550 preferably processes the transaction.

According to another exemplary embodiment of the present invention, when the card includes a debit transaction attribute (for example, a check card transaction attribute and a debit card transaction attribute), the card transaction approval unit 1550 may execute the transaction approval limit amount (for example, , The balance of the linked account) and the transaction amount included in the transaction information to determine whether the transaction approval or transaction error for the transaction amount.

For example, when the transaction approval limit amount (for example, the balance of the linked account) is larger than the transaction amount, the card transaction approval unit 1550 preferably processes the transaction.

According to another exemplary embodiment of the present invention, when the card includes a prepaid transaction attribute (eg, a prepaid card transaction attribute), the card transaction approval unit 1550 performs the transaction approval limit amount (eg, a recharge amount). It is preferable to check a transaction approval or a transaction error for the transaction amount by comparing the transaction amount included in the transaction information.

For example, when the transaction approval limit amount (eg, the recharge amount) is greater than the transaction amount, the card transaction approval unit 1550 preferably processes the transaction.

When the transaction approval procedure for the transaction amount is completed by the card transaction approval unit 1550, the transmission unit 1540 includes a transaction including a result of the transaction approval approved by the card transaction approval unit 1550. Characterized by generating a history.

When the transaction is approved according to an embodiment of the present invention, the transaction details include at least one of card information, transaction approval date, transaction approval amount, merchant information and transaction approval information for the transaction approved card. It is preferable.

According to another exemplary embodiment of the present invention, when the transaction is not approved, the transaction details may include at least one of card information and transaction error information about the card.

When the transaction history is generated, the transmission unit 1540 generates a full text of an approval result including the transaction history, and the transmission unit 1540 establishes the communication channel in association with the communication unit 1530. Characterized in that through the transmission of the result of the approval to the bansa server 125, characterized in that.

In addition, when a transaction for the transaction amount is approved by the card transaction approval unit 1550, the transaction history storage unit 1553 may include card information included in the transaction history generated by the transmission unit 1540, and The transaction history information including at least one or more transaction approval date, transaction authorization amount, merchant information and transaction approval information may be stored in the transaction history D / B 1575.

Referring to FIG. 15, when the card issuing server 115 is identified as a use card of the charge / use card included in the approval request message received through the receiving unit 1535, the card issuer server 115 may be included in the approval request message. The card information including the BIN information assigned to the use card of the charge / use card among the BIN information assigned to the card issuer by reading card information, and the charge card of the charge / use card associated with the use card information. The information check unit (or information checking means) for confirming the information, the charge amount information charged through the charge card, and the charge amount information charged through the charge card of the charge / use card. It is provided with a transaction approval processing unit 1560 (or transaction approval processing means) for processing the transaction approval for the transaction amount (= transaction amount included in the full approval request) using the use card. And characterized in that, the transmission unit 1540 is characterized in that it sends an authorization result professional comprising the transaction history corresponding to the transaction authorization processing to the baensa server 125.

When the approval request message including the card information and transaction information corresponding to the use card of the charge / use card is received through the receiving unit 1535, the information check unit reads the card information included in the approval request message and the Among the BIN information assigned to the card issuer, it is characterized by checking the use card information including the BIN information assigned to the use card of the charge / use card.

When the use card information of the charge / use card is confirmed, the information confirming unit checks the charge card information of the charge / use card associated with the use card information in association with the storage medium 1580, and charges through the charge card. Check the charged amount information.

According to the exemplary embodiment of the present invention, the information checking unit preferably further comprises checking whether the use card information and the charging card information are activated in association with the storage medium 1580.

When the charge amount information charged through the charge card associated with the use card of the charge / use card is confirmed through the information checking unit, the transaction approval processing unit 1560 charges charged through the charge card of the charge / use card. It is characterized in that the transaction approval for the transaction amount (= transaction amount included in the full authorization request) using the use card of the charge / use card through the amount information.

According to the implementation method of the present invention, the transaction approval processing unit 1560 is a transaction value (= transaction amount included in the full authorization request) and the charge card of the charge / use card using the use card of the charge / use card Compare the charge amount charged through and, if the charge amount is greater than the transaction amount, approve the transaction through the use card of the charge / use card; on the contrary, if the charge amount is larger than the transaction amount, Error processing transactions through the use card of the charge / use card.

If a transaction is approved for a transaction amount (= transaction amount included in the full approval request) using the use card of the charge / use card through the charge amount information charged through the charge card of the charge / use card, the The transaction approval processing unit 1560 may be configured to subtract the approved amount from the charged amount charged through the charging card in association with the storage medium 1580.

A transaction amount using the charge / 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 1560 (= transaction amount included in the full approval request) When the transaction is processed, the transmission unit 1540 generates a transaction history including any one of transaction approval information or transaction error information corresponding to the transaction approval process, and completes an approval result message including the transaction history. To generate and transmit to the bansa server 125 through the communication network, the bansa server 125 is characterized in that for transmitting the full text of the approval result to the merchant terminal 130.

Referring to FIG. 15, the card issuing server 115 transmits the full approval result including the transaction approval information to the affiliated store terminal 130 through the bansa server 125 and then the transaction approval information. Based on the transaction history, including the purchase amount information for purchasing a document for the transaction amount approved through the payment card issued by the card issuer, or the transaction amount authorized through the use card of the charge / use card Transaction approved through the purchase information generation unit 1563 (or purchase purchase information generation means) generated by the payment card issued by the card issuer, or the use card of the charge / use card It is characterized by further comprising a slip purchase processing unit 1565 (or slip purchase processing means) for purchasing a slip for the amount of money.

After the full approval result including the transaction approval information is transmitted to the affiliated store terminal 130 through the bansa server 125 through the transmission unit 1540, the voucher purchase information generation unit 1563 performs the transaction. Purchase of a slip to purchase a document for the transaction amount authorized through the payment card issued by the card issuer or the transaction amount authorized through the use card of the recharge / use card based on the transaction history including the authorization information. It is characterized by generating information.

The voucher purchase processing unit 1565 is a period of time after the transaction through the payment card issued by the card issuer, or the use card of the charge / use card is approved, or the card issuer from the bansa server 125 When a purchase amount of a document approved for the transaction amount authorized through the payment card issued by or the authorized transaction amount through the use card of the charge / use card is approved, the transaction amount authorized through the payment card issued by the card issuer Or purchase a slip for the authorized transaction amount through the use card of the charge / use card.

FIG. 16 is a diagram illustrating a transaction request process between an affiliated store terminal 130 and a bansa server 125 according to an exemplary embodiment of the present invention.

In more detail, FIG. 16 illustrates that the authorization request message is generated by the merchant terminal 130 on the charge / use card transaction system shown in FIG. 15 and transmitted to the bansa server 125, and the bansa server 125 receives the approval. 16 shows a process of checking a specialized relay target server for a request message and relaying the approval request message to the specialized relay target server, and a person having ordinary knowledge in the technical field to which the present invention belongs, FIG. By referring to and / or modified to be able to infer various implementation methods for the transaction request process between the merchant terminal 130 and the bansa server 125, the present invention comprises all the inferred implementation method, The technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 16, the merchant terminal 130 on the charge / use card transaction system shown in FIG. 15 reads card information from the customer card through a card reader, and transaction information (eg, a transaction) through a key input means. Input the amount information, merchant information (or charging / use card use target terminal information) (1600), and generates a full authorization request message including the input card information and transaction information and merchant information stored in the merchant terminal 130 (1605).

Here, the customer card is produced through the charging / use card manufacturing system shown in FIG. 2 or 4 and sold (or paid) to the customer, and the charge / use card shown in FIG. 6 or 9 or 13 It is preferable to include a use card of a charge / use card charged with a charge amount through the charging system.

Thereafter, the affiliated store terminal 130 connects the communication channel for professional transmission and reception with the bansa server 125 through the communication network (eg, a public communication network) (1610).

If the communication channel is connected (1615), the affiliated store terminal 130 transmits the full text of the approval request to the bansa server 125 through the communication channel (1620), the corresponding bansa server 125 Receives the approval request message transmitted from the affiliated store terminal 130 through the communication channel (1625).

According to an embodiment of the present invention, when the approval request is transmitted in encrypted form from the merchant terminal 130 through the bansa encryption key, the bansa server 125 decrypts the encrypted approval request transcript. desirable.

Subsequently, the bansa server 125 reads card information included in the approval request text to confirm BIN information (1630), reads the verified BIN information, and transmits the specialized relay target server to relay the approval request text. Check (1635).

Here, when the card information included in the full text of the authorization request is a domestic card, the specialized relay target server preferably includes a card company server or a financial company server that has issued a domestic card corresponding to the card information.

According to the embodiment shown in FIG. 15, the bansa server 125 reads the BIN information of the use card of the charge / use card to confirm the card issuer server 115 as the specialized relay target server. desirable.

If the specialized relay target server to relay the approval request message is confirmed (1640), the bansa server 125 relays the approval result message to the identified professional relay target server (1645).

17 is a diagram illustrating a transaction processing process of the card issuer server 115 according to an exemplary embodiment of the present invention.

More specifically, FIG. 17 checks the card issuer server 115 on the charge / use card transaction system shown in FIG. 15 as a professional relay target server through the transaction request process shown in FIG. In the case of the relay transmission, the card issuer server 115 reads the BIN of the card information included in the authorization request message, and the card information included in the authorization request message is a payment card issued by the card issuer. Or check whether the card is used for the charge / use card, and if the card information is confirmed (or recognized) with a payment card issued by the card issuer, process the transaction approval for the full text of the authorization request; or When the card is confirmed (or recognized) as the use card of the use card, the process of processing the transaction approval through the use card of the charge / use card is shown. Those skilled in the art will be able to infer various implementation methods for the transaction processing process of the card issuer server 115 by referring to and / or modifying the drawing 17, but the present invention It is made to include all the implementation methods inferred, the technical features are not limited only to the implementation method shown in FIG.

17, through the transaction request process shown in FIG. 16, the card issuing server 115 on the charge / use card transaction system shown in FIG. 15 is identified as a professional relay target server to relay the full approval request. In the case of transmission, the card issuer server 115 receives the full text of the authorization request from the bansa server 125 (1700), reads the BIN of the card information included in the full text of the authorization request, and corresponds to the card information. Check whether the card is a payment card issued by the card issuer (1705).

If the card corresponding to the card information is not a payment card issued by the card issuer (1710), the card issuer server 115 reads the BIN of the card information to determine whether the card information is a charge / use card. Check whether the card is used (1715).

If the card information is confirmed as the use card of the charge / use card (1720), the card issuer server 115 performs a transaction process through the use card of the charge / use card shown in FIG.

On the other hand, if it is confirmed (or recognized) as a payment card issued by the card issuer corresponding to the card information (1710), the card issuer server 115 is the card information, transaction information and merchants included in the authorization request full text Information is checked (1735), and the card management D / B 1580 checks the transaction approval limit amount for each transaction attribute corresponding to the card limit information provided in association with the card information (1740).

According to an embodiment of the present invention, when the card includes a postpaid transaction attribute (for example, credit card transaction attribute), the card issuer server 115 stores the credit limit amount information included in the card limit information. It is desirable to confirm with the transaction authorization limit amount on the card.

According to another exemplary embodiment of the present invention, when the card includes a debit transaction attribute (for example, a check card transaction attribute and a debit card transaction attribute), the card issuer server 115 is included in the card limit information. It is preferable to check the linked account information and check the balance information of the linked account in connection with a financial institution server (not shown) as the transaction approval limit amount for the card.

According to another exemplary embodiment of the present invention, when the card includes a prepaid transaction attribute (for example, a prepaid card transaction attribute), the card issuer server 115 stores the charge amount information included in the card limit information. It is preferable to confirm with the transaction approval limit amount for the card.

If the transaction approval limit amount for each transaction attribute of the card is confirmed (1745), the card issuer server 115 determines the transaction attribute for the transaction amount included in the approval request text based on the confirmed transaction approval limit amount. The transaction approval for each star is processed (1750).

According to an exemplary embodiment of the present invention, when the card includes a postpaid transaction attribute (for example, credit card transaction attribute), the card issuer server 115 may schedule a schedule in association with the transaction history D / B 1575. Confirm the cumulative transaction approval amount authorized for the transaction through the card, add the identified cumulative transaction approval amount and the transaction amount included in the transaction information, and add the sum and the confirmed transaction approval limit amount ( For example, it is preferable to confirm the approval of the transaction or a transaction error by comparing the credit limit amount).

For example, when the transaction approval limit amount (eg, the credit limit amount) is larger than the sum of the sums, the card issuer server 115 preferably processes the transaction.

According to another exemplary embodiment of the present invention, when the card includes a debit transaction attribute (eg, a check card transaction attribute or a debit card transaction attribute), the card issuer server 115 may execute the transaction approval limit amount (eg, , The balance of the linked account) and the transaction amount included in the transaction information to determine whether the transaction approval or transaction error for the transaction amount.

For example, when the transaction approval limit amount (eg, the balance of the linked account) is larger than the transaction amount, the card issuer server 115 preferably processes the transaction.

According to another exemplary embodiment of the present invention, when the card includes a prepaid transaction attribute (eg, a prepaid card transaction attribute), the card issuer server 115 may set the transaction approval limit amount (eg, a recharge amount). It is preferable to check a transaction approval or a transaction error for the transaction amount by comparing the transaction amount included in the transaction information.

For example, when the transaction approval limit amount (eg, the recharge amount) is larger than the transaction amount, the card issuer server 115 preferably processes the transaction.

If the transaction approval processing result does not confirm the transaction approval for each transaction attribute (1755), the card issuer server 115 generates a full text of the authorization result including transaction error information and transmits it to the bansa server 125. In response to this, the bansa server 125 transmits and outputs the entire approval result including the transaction error information to the affiliated store terminal 130 through a communication channel connected to the affiliated store terminal 130 (1765). .

On the other hand, if the transaction approval processing result confirms the transaction approval for each transaction property (1755), the card issuer server 115 generates a transaction history including the transaction approval result (1770).

Herein, the transaction details may include at least one or more card information about a transaction approved card, a transaction approval date, a transaction approval amount, merchant information, and transaction approval information.

Subsequently, the card issuer server 115 generates a full text of an authorization result including the transaction history and transmits it to the bansa server 125 (1775). In response, the bansa server 125 is a merchant terminal 130. The full text of the approval result including the transaction history is transmitted to the affiliated store terminal 130 through the communication channel connected to the mobile terminal (1765).

In addition, the card issuer server 115 may include card information included in the generated transaction history, transaction history information including at least one transaction approval date, transaction authorization amount, merchant information, and transaction authorization information. / B (1575) is stored (1780).

18 is a diagram illustrating a transaction process through a use card of a charge / use card according to an embodiment of the present invention.

In more detail, FIG. 18 shows the charge / charge to the card issuer server 115 on the charge / use card transaction system shown in FIG. 15 through the transaction processing of the card issuer server 115 shown in FIG. When the authorization request message including the card information corresponding to the use card of the use card is received, the charge / use is based on the charge amount charged through the charge card of the charge / use card at the card issuer server 115. The process of processing the transaction approval for the transaction amount requested through the use card of the card, and those of ordinary skill in the art to which the present invention pertains, refer to and / or modify this drawing 18 to the charge / Various implementation methods for the transaction process through the use card of the use card may be inferred, but the present invention includes all the implementation methods inferred above. Only the exemplary method shown in plane 18 is not limited its technical characteristics.

Referring to Figure 18, through the transaction processing process of the card issuer server 115 shown in Figure 17 is produced through the charging / using card production system shown in Figure 2 or Figure 4 is sold (or paid to the customer) The full text of the request for approval including the card information corresponding to the use / use card of the charge / use card in which the charged amount is charged through the charge / use card charging system shown in FIG. 6 or 9 or 13 When received by the card issuer server 115 on the charge / use card transaction system shown in FIG. 1, the card issuer server 115 corresponds to the use card of the charge / use card from the bansa server 125 through a communication network. Receive the authorization request message containing the card information to the (1800), and reads the card information contained in the authorization request full message of the charge / use card of the BIN information assigned to the card issuer The usage card information including the BIN information associated with the allocation to the usage card is checked (1805).

If the use card information including the BIN information associated with the allocation of the charge / use card to the use card of the BIN information assigned to the card issuer by reading the card information included in the authorization request full message is not confirmed ( 1810), the card issuer server 115 generates a full text of an approval result including transaction error information and transmits the complete authorization result to the bansa server 125 (1815). The bansa server 125 is connected to the affiliated store terminal 130. The full text of the approval result is transmitted to the affiliated store terminal 130 through the connected communication channel (1830).

On the other hand, when the card information including the BIN information associated with the allocation of the card used in the charge / use card of the BIN information assigned to the card issuer by reading the card information included in the full approval request is confirmed (1810) In operation 1835, the card issuing server 115 checks whether the use card of the charge / use card is activated in association with the storage medium 1580.

If the use card of the charge / use card is not activated (1840), the card issuer server 115 generates a full text of an authorization result including transaction error information and transmits it to the bansa server 125 (1815). The bansa server 125 transmits the full text of the approval result to the affiliated store terminal 130 through the communication channel connected to the affiliated store terminal 130 and outputs the complete certificate result (1830).

On the other hand, if the use card of the charge / use card is activated (1840), the card issuer server 115 connects the charge card information and the charge card associated with the use card information in association with the storage medium 1580. Check the charge amount information charged through (1845).

If the charge card information associated with the use card information and the charge amount information charged through the charge card are not confirmed (1850), the card issuer server 115 generates a full text of an approval result including transaction error information. The Bansa server 125 transmits the result to the Bansa server 125 (1815), and the Bansa server 125 transmits the full text of the approval result to the affiliated store terminal 130 through the communication channel connected to the affiliated store terminal 130 (1830). .

On the other hand, if the charge card information associated with the use card information and the charge amount information charged through the charge card is confirmed (1850), the card issuer server 115 is charged through the charge card of the charge / use card The transaction approval for the transaction amount (= transaction amount included in the authorization request text) using the use card of the charge / use card is processed through the charge amount information (1855).

According to the method of the present invention, the card issuer server 115 charges the transaction amount (= transaction amount included in the authorization request text) and the charge / use card using the use card of the charge / use card. Compare the charge amount charged through the card, and if the charge amount is greater than the transaction amount, approve the transaction through the use card of the charge / use card; on the contrary, if the charge amount is larger than the transaction amount It is desirable to error-process a transaction through a use card of the charge / use card.

If the transaction for the transaction amount is not approved through the use card of the charge / use card (1860), the card issuer server 115 generates a full text of an authorization result including transaction error information to the bansa server 125. In operation 1815, the bansa server 125 transmits the full text of the approval result to the affiliated store terminal 130 through the communication channel connected to the affiliated store terminal 130 and outputs the generated certificate result (1830).

On the other hand, when a transaction for the transaction amount is approved through the use card of the charge / use card (1860), the card issuer server 115 links the charge / use card with the storage medium 1580 to the card. Subtract the transaction amount authorized through the use card of the charge / use card from the charged amount charged through 1865 and generate the full text of the approval result including the transaction approval information corresponding to the transaction approval process by generating the full text of the bansa server ( 125, and the Bansa server 125 transmits and outputs the full text of the approval result to the affiliated store terminal 130 through a communication channel connected with the affiliated store terminal 130 (1830).

19 is a diagram illustrating a domestic card-type slip purchase process for the use card transaction of the charge / use card according to an embodiment of the present invention.

More specifically, FIG. 19 shows that after the transaction through the use card of the charge / use card is processed through the transaction process using the charge / use card shown in FIG. 18, the charge / use card shown in FIG. The process of purchasing the slip for the use card transaction in the card issuer server 115 on the transaction system, and if the person skilled in the art to which the present invention pertains, refer to this figure 19 and / or It will be possible to infer various implementation methods for the domestic card-type slip purchase process for the use card transaction of the charge / use card by modifying, the present invention comprises all the inferred implementation method, as shown in Figure 19 The technical features are not limited only to the illustrated embodiment.

For example, in FIG. 19, the card issuer server 115 that processes the transaction process through the use card of the charge / use card shown in FIG. 18 performs a purchase purchase confirmation and request process. However, the present invention is not limited thereto, and according to the intention of the person skilled in the art, it is possible to perform a check purchase and request process on the bansa server 125 provided with the full approval result, and the present invention provides the bansa server 125. It should be made clear that this includes the process of confirming and requesting the purchase of a document.

Referring to FIG. 19, after a transaction through a use card of a charge / use card is processed through a transaction through a use card of the charge / use card shown in FIG. 18, the card issuer server 115 returns the charge. Check whether the purchase of the slip for the transaction approval through the use card of the use card is performed (1900).

According to an embodiment of the present invention, the card issuing server 115 is for a transaction approval through the use card of the charge / use card when a certain period elapses after the transaction approval through the use card of the charge / use card It is preferable to confirm by purchasing a slip.

According to an embodiment of the present invention, the card issuer server 115 checks whether the slip is inserted in place of the card issuer server 115 and then uses the card of the charge / use card to the card issuer server 115. It is also possible to request the purchase of a slip for a transaction approval through the present invention, and the present invention may include a slip purchase request from the bansa server 125.

If the purchase of the slip for the transaction approval through the use card of the charge / use card is confirmed (1905), the card issuer server 115 performs a transaction process through the use card of the charge / use card shown in FIG. Based on the transaction history generated in step S10, the document purchase information on the transaction approval through the use card of the charge / use card is generated.

Thereafter, the card issuer server 115 purchases a slip for a transaction approval through a use card of the charge / use card based on the slip purchase information according to a preset slip purchase procedure (1915).

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 use card of the charge / use card is purchased in accordance with the affiliated document purchase procedure (1920), the card issuer server 115 for the use card of the charge / use card The result of the document purchase is stored (1925).

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

More specifically, Figure 20 is produced through the charging / using card manufacturing system shown in Figure 2 or Figure 4 is sold (or paid) to the customer, the charge / use shown in Figure 6 or Figure 9 or Figure 13 In the charge / use card in which the charge amount is charged through the card charging system, the BIN information assigned to the use card of the charge / use card is registered in Bansa to the charge / use card transaction system used for payment / financial transactions. As those skilled in the art to which the present invention pertains, various embodiments of the present invention may be inferred by referring to and / or modifying the drawing 20, but the present invention. Is made including all the inferred implementation methods, the technical features are not limited only to the implementation method shown in FIG.

For example, in FIG. 20, technical features of the specialized exchange protocol between the servers and the specialized structure conversion process according to the specialized exchange protocol are omitted for convenience, but the present invention basically includes the specialized structure conversion according to the specialized exchange protocol. Is to be made clear.

In addition, in FIG. 20, the transaction through the use card of the charge / use card is described with reference to a payment approval request requested from the affiliated store terminal 130 provided at the affiliated store, but the present invention is not limited thereto. The transaction through the use card of the charge / use card is characterized in that it includes all of the financial transactions through CD / ATM, online payment through a web server such as an internet shopping mall, but the present invention provides the financial transactions through online. By describing the technical configuration of the charge / use card transaction for payment, it is possible to infer the system configuration for the financial transaction or online payment through the payment through the merchant terminal 130, the financial in this figure 20 A system configuration for transaction or online payment will be omitted.

Hereinafter, the disposable charging card shown in FIG. 6 or FIG. 9 and the customer wireless terminal shown in FIG. 13 will be collectively referred to as a "charging card" of a charge / use card in this drawing 20 and the flowchart shown below.

Referring to FIG. 20, the charge / use card transaction system may be manufactured and sold to a customer through an affiliate store terminal 130 provided at an affiliate store and a charge / use card manufacturing system illustrated in FIG. 2 or FIG. 4. A card issuing server 115 for operating a charge / use card in which a charged amount is charged through the charge / use card charging system shown in FIG. 6 or 9 or 13, and the merchant terminal 130; It is characterized in that it comprises a bansa server 125 for relaying the transmission of the request for approval transmitted from the professional to the professional relay target.

In FIG. 20, the bansa 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 bansa server 125 in the present invention, and the intention and charge / Obviously, the bansa server 125 may be implemented in the form of a system consisting of a plurality of servers for each functional component, or may be in the form of an internal component of the server provided in the bansa. It is to be revealed.

In addition, although the card issuer server 115 is illustrated as one server in FIG. 20 for convenience, this is merely one implementation method for efficiently describing the technical features of the card issuer server 115 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 115 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 issuer. It is clear that it may be spherical in component form.

The affiliated store terminal 130, at least one CAT (Credit Authorization Terminal) provided in the 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, it is preferable to further comprise a CD / ATM device for financial transactions according to the intention of those skilled in the art.

According to an embodiment of the present invention, the affiliated store terminal 130 includes at least one card reader for card payment processing, reads card information from a use card of the charge / use card through the card reader, and a key. After inputting transaction information (for example, transaction amount information, merchant information (or charging / use card use terminal information) through an input device), and generating an authorization request message including the card information, transaction information, and the merchant information. Characterized in that the transmission to the bansa server 125 through a communication network.

The bansa server 125 may include a public switched telephone network (PSTN), an intelligent network, an xDSL-based wired communication 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 the embodiment of the present invention, when the card information included in the approval request is a card issued by a domestic card company (or financial company), the bansa server 125 receives the approval request text received from the affiliated store terminal 130. It is preferable to relay transmission to the server provided in the domestic card company (or financial company).

According to the embodiment shown in FIG. 20, the bansa server 125 stores BIN information assigned to a use card of the charge / use card in a card company BIN D / B (not shown), whereby the bansa server The specialized relay target server 125 may include a card issuer server 115 that operates the charge / use card.

According to the exemplary embodiment of the present invention, the bansa server 125 receives the approval request message encrypted with the bansa encryption key from the merchant terminal 130, decrypts the approval request message with the bansa decryption key, and decrypts the decryption. Read the Bank Identification Number (BIN) on the card information included in the approved authorization request message to check the specialized relay target server to which the authorization request message is transmitted, and decode the authorization result message on the confirmed specialized relay target server. It is preferable to encrypt with an encryption key that is present and to transmit to the specialized relay target server.

The card issuer server 115 is a server that processes the payment / financial transaction through the use card of the charge / use card in a card issuer that produces and sells (or pays) the charge / use card ( Or device), the card issuer is a card company (or financial company) that issues a conventional payment card, or preferably comprises a separate charge / use card issuer that operates the charge / use card.

When the card issuer server 115 is a separate charge / use card issuer operating the charge / use card according to the embodiment of the present invention, the card issuer server 115 is provided from the bansa server 125. When the authorization request message including the usage card information including the BIN information assigned to the use card of the charge / use card is received among the BIN information assigned to the card issuer, the card information included in the authorization request message is read. Use card information including BIN information assigned to a use card of the charge / use card among BIN information assigned to the card issuer, charge card information of the charge / use card associated with the use card information, and Check the charge amount information charged through the charge card, and process the approval for the transaction amount included in the approval request text through the charge amount information charged through the charge card. And that is characterized.

According to the embodiment of the present invention, the card issuing server 115 receives and decrypts the entire authentication result encrypted with the encryption key of the card issuing server 115 from the bansa server 125 and includes it in the full text of the approval request. It is desirable to check the card information, transaction information and merchant information.

Those skilled in the art to which the present invention pertains, may be familiar with the technical features of the technical features of the merchant terminal 130, the bansa server 125 and the card issuer server 115 operating as described above. Therefore, a more detailed description thereof will be omitted for convenience.

According to the present invention, the bansa server 125 stores the card company BIN D / B in association with BIN information on a domestic card issued by a domestic card company or a financial company, and card company (or financial company) server information corresponding to the BIN information. It is characterized by including (not shown).

Here, the BIN information for the domestic card is made of BIN information assigned to the use / use card of the charge / use card among the BIN information assigned to the card issuer, or include BIN information for the domestic card. desirable.

According to an embodiment of the present invention, the BIN information assigned to the use card of the charge / use card may be any one of a BIN that conforms to a BIN system of a domestic card-only BIN or a card brand company (for example, a visa card, a master card, etc.). It is preferable to comprise.

According to the embodiment shown in FIG. 20, the BIN information stored in the card company BIN D / B is produced and sold to the customer in addition to the BIN information corresponding to the card issued by the domestic issuer. Or BIN information corresponding to the used card of the charged / used card, whereby the bansa server 125 requests the approval based on the BIN information stored in the card company BIN D / B. Among the card information included in the full text, it is preferable to recognize and confirm the use card of the charge / use card produced and sold (or paid) by the card issuer to the customer.

Here, the BIN information corresponding to the use card of the charge / use card is stored in the card company BIN D / B through an association between the card issuer and the bansa, and the BIN information corresponding to the use card of the charge / use card is The card company BIN D / B for storing BIN information corresponding to a card issued by a domestic issuer may be stored in another database. Thus, the present invention is not limited thereto.

Preferably, the card company (or financial company) server information includes server information for identifying a specialized relay target server for relaying the authorization request message including the card information including the BIN information.

Referring to FIG. 20, the bansa server 125 may include an interface unit 2000 for connecting and managing a communication channel with an affiliated store terminal 130 provided at the affiliated store through a communication network (for example, a public communication network), and the interface. The approval request professional receiving unit 2005 (or the professional receiving means) for receiving the approval request full text through the communication channel in association with the unit 2000 and the card information included in the received approval request full text is read. Special relay target confirmation unit (2015) (or card verification means) for checking the professional relay target server to relay the full text, and approval request professional transmission unit 2020 for transmitting the approval request message to the identified professional relay target server (Or a professional relaying means), and an approval result message receiving unit 2025 for receiving an approval result message including a transaction history corresponding to the approval request message from the specialized relay target server; In connection with the interface unit 2000 over the communication channel to the authorization result professional containing the transaction history characterized in that obtained by having a specialized authorization result transmission unit (2010) to be transmitted to the merchant terminal 130.

The interface unit 2000 transmits and receives specialized transaction-related transmission and reception with the affiliated store terminal 130 provided at the affiliated store through a communication protocol corresponding to a communication network connecting the bansa server 125 and the affiliated store terminal 130 provided at the affiliated store. It is characterized in that for connecting the communication channel for, and maintaining and managing the communication channel until the specialized transmission and reception is completed.

The merchant terminal 130 to which the communication channel is connected reads card information from the charge / use card through a card reader and transaction information (eg, transaction amount information, merchant information (or use of charge / use card) through a key input device. After inputting the target terminal information), and generates an authorization request message including the card information, transaction information and the affiliated store information and transmits it through a communication network, the authorization request message receiving unit 2005 is connected to the interface unit 2000. It is characterized in that for receiving the approval request full text from the affiliated store terminal 130 in association.

If the full approval request message is encrypted and transmitted from the affiliated store terminal 130 through the bansa encryption key, the approval request message receiving unit 2005 preferably decrypts the encrypted approval request full text.

When the approval request message is received, the specialized relay target confirmation unit 2015 reads the BIN of card information included in the approval request message, and confirms the specialized relay target server to which the approval request message is to be relayed. do.

Here, when the card information included in the full text of the approval request is a domestic card, the specialized relay target server preferably includes a card company server or a financial company server that has issued a domestic card corresponding to the card information.

According to the implementation method shown in FIG. 20, the specialized relay target confirmation unit 2015 reads the BIN information of the use card of the charge / use card and sends the card issuer server 115 to the specialized relay target server. It is preferable to confirm with.

When the professional relay target server to which the approval request message is to be relayed is confirmed by the specialized relay target confirmation unit 2015, the approval request message transmission unit 2020 is between the bansa server 125 and the specialized relay target server. The transmission of the approval request through the communication channel connected to the characterized in that the transmission to the specialized relay target server.

Thereafter, the expert relay target server performs a transaction approval procedure corresponding to the approval request message, and transmits the approval result message including a transaction history corresponding to the approval request message through the communication channel. The receiving unit 2025 may receive the full text of the approval result from the specialized relay target server through the communication channel.

When a transaction corresponding to the full text of the approval request is approved according to an exemplary embodiment of the present invention, the transaction details included in the full text of the approval result may include card information on the transaction approved recharge / use card, transaction approval date, and transaction approval. It is preferable to include at least one or more amounts, merchant information and transaction approval information.

According to another embodiment of the present invention, when a transaction corresponding to the approval request message is not approved, the transaction history included in the approval result message may include at least one card information and transaction error information for the charge / use card. It is preferable to comprise as mentioned above.

When the approval result message is received from the specialized relay target server, the approval result message transmitting unit 2010 is connected to the interface unit 2000 and transmits the approval result message including the transaction details through the communication channel to the affiliated store. Characterized in that the transmission to the terminal 130, wherein the interface unit 2000 preferably further performs the process of verifying that the full text of the approval result is transmitted to the affiliated store terminal 130.

Referring to FIG. 20, the card issuer server 115 may include a communication unit 2030 for connecting and managing a communication channel with the bansa server 125 through a communication network (for example, a dedicated communication network), and the communication unit 2030. Transaction request professional receiving unit 2035 (or specialized receiving means) for receiving the approval request message containing the card information and transaction information corresponding to the use card of the charge / use card from the bansa server 125, Usage card information including BIN information which is associated with the card information contained in the authorization request text is read and the BIN information assigned to the card issuer is allocated to the use card of the charge / use card, and the use card information. The information card 2045 (or information checking means) for confirming the charge card information of the charge / use card associated with the charge amount, the charge amount information charged through the charge card, and the charge card of the charge / use card. The transaction approval processing unit 2050 (or transaction approval) that processes the transaction approval for the transaction amount (= transaction amount included in the authorization request text) using the use card of the charge / use card through the charged amount information. And a transaction result transmission unit 2040 (or a specialized transmission means) for transmitting the full text of an approval result including transaction details corresponding to the transaction approval process to the bansa server 125. It is done.

The communication unit 2030 connects a communication channel for transceiving a professional transaction with the bansa server 125 through a communication protocol corresponding to a communication network connecting the card issuer server 115 and the bansa server 125. It features.

When the bansa server 125 transmits the approval request message through the communication channel, the transaction request message receiving unit 2035 receives card information corresponding to the use card of the charge / use card from the bansa server 125. Characterized in that for receiving the full approval request containing the transaction information.

If the authorization request message is encrypted and transmitted from the bansa server 125 through the encryption key of the card company server, the receiving unit preferably decrypts the encrypted authorization request message.

When the authorization request message including the transaction information and the card information corresponding to the use card of the charge / use card is received through the transaction request message receiving unit 2035, the information confirming unit 2045 is included in the authorization request message. Read the card information and confirm the use card information including the BIN information associated with the allocation of the use / use card of the charge / use card among the BIN information assigned to the card issuer.

When the use card information of the charge / use card is confirmed, the information checking unit 2045 checks the charge card information of the charge / use card associated with the use card information in association with the storage medium 2065, and charges the card. Characterized in that the check the amount of charge information charged through the card.

According to the exemplary embodiment of the present invention, the information checking unit 2045 may further include checking whether the use card information and the charging card information are activated in association with the storage medium 2065.

When the amount of charge information charged through the charge card associated with the use card of the charge / use card is confirmed through the information checking unit 2045, the transaction approval processing unit 2050 determines the charge card of the charge / use card. It is characterized in that the transaction approval for the transaction amount (= transaction amount included in the full approval request) using the use card of the charge / use card through the charge amount information charged through.

According to the implementation method of the present invention, the transaction approval processing unit 2050 is a transaction value (= transaction amount included in the full authorization request) and the charge card of the charge / use card using the use card of the charge / use card Compare the charge amount charged through and, if the charge amount is greater than the transaction amount, approve the transaction through the use card of the charge / use card; on the contrary, if the charge amount is larger than the transaction amount, Error processing transactions through the use card of the charge / use card.

If a transaction is approved for a transaction amount (= transaction amount included in the full approval request) using the use card of the charge / use card through the charge amount information charged through the charge card of the charge / use card, the The transaction approval processing unit 2050 may subtract the approved amount from the charged amount charged through the charging card in association with the storage medium 2065.

The transaction amount using the charge / use card of the charge / use card through the charge amount information charged through the charge / use card through the transaction approval processing unit 2050 (= transaction amount included in the full approval request) When the transaction is processed, the transaction result transmission unit 2040 generates a transaction history including any one of transaction approval information or transaction error information corresponding to the transaction approval process, and includes the transaction history. Characterized in that the full text of the approval result is transmitted to the bansa server 125 through the communication network, the bansa server 125 is characterized in that for transmitting the full text of the approval result to the merchant terminal 130.

Referring to FIG. 20, the card issuing server 115 transmits the approval result message including the transaction approval information to the affiliated store terminal 130 through the bansa server 125 and then the transaction approval information. Slip purchase information generation unit 2055 (or slip purchase information generation 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 a) ), And a slip purchase processing unit 2060 (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 full transaction result, the approval result including the transaction approval information is transmitted to the affiliated store terminal 130 through the bansa server 125, the purchase information purchase unit 2055 According to the transaction history including the transaction approval information, characterized in that the purchase information for purchasing the document for the purchase price of the transaction approved through the use card of the charge / use card.

The voucher purchase processing unit 2060 passes a predetermined period after the transaction through the use card of the charge / use card is approved, or from the Bansa server 125 to the approved transaction amount through the use card of the charge / use card When the purchase of the slip is charged, the slip for the approved transaction amount is characterized in that the purchase of the charge / use card.

FIG. 21 is a diagram illustrating a transaction request process between an affiliated store terminal 130 and a bansa server 125 according to another exemplary embodiment of the present invention.

In more detail, in FIG. 21, when the merchant terminal 130 on the charge / use card transaction system shown in FIG. 20 generates the full authorization request message and transmits it to the bansa server 125, the bansa server 125 receives the approval. The process of identifying a specialized relay target server for the request message and relaying the approval request message to the specialized relay target server is illustrated. If a person having ordinary knowledge in the technical field to which the present invention pertains is shown in FIG. 21. By referring to and / or modified to be able to infer various implementation methods for the transaction request process between the merchant terminal 130 and the bansa server 125, the present invention comprises all the inferred implementation method, The technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 21, the merchant terminal 130 on the charge / use card transaction system illustrated in FIG. 20 reads card information from the customer card through a card reader, and deals information (eg, a transaction through a key input means). Input the amount information, merchant information (or charging / use card use target terminal information) (2100), and generates the authorization request full text including the input card information and transaction information and merchant information stored in the merchant terminal 130; (2105).

Here, the customer card is produced through the charging / use card manufacturing system shown in FIG. 2 or 4 and sold (or paid) to the customer, and the charge / use card shown in FIG. 6 or 9 or 13 It is preferable to include a use card of a charge / use card charged with a charge amount through the charging system.

Thereafter, the affiliated store terminal 130 connects a communication channel for professional transmission and reception with the bansa server 125 through the communication network (eg, a public communication network) (2110).

If the communication channel is connected (2115), the merchant terminal 130 transmits the full text of the approval request to the bansa server 125 through the communication channel (2120), and correspondingly the bansa server 125 Receives the approval request message transmitted from the affiliated store terminal 130 through the communication channel (2125).

According to an embodiment of the present invention, when the approval request is transmitted in encrypted form from the merchant terminal 130 through the bansa encryption key, the bansa server 125 decrypts the encrypted approval request transcript. desirable.

Thereafter, the bansa server 125 reads the card information included in the approval request text to confirm BIN information (2130), and reads the checked BIN information to relay a specialized relay target server for transmitting the approval request text. Confirm (2135).

Here, when the card information included in the full text of the authorization request is a domestic card, the specialized relay target server preferably includes a card company server or a financial company server that has issued a domestic card corresponding to the card information.

According to the embodiment shown in FIG. 20, the bansa server 125 reads the BIN information of the use card of the charge / use card to check the card issuer server 115 as the specialized relay target server. desirable.

If the professional relay target server to relay the approval request message is confirmed (2140), the bansa server 125 relays the approval result message to the identified professional relay target server (2145).

22 is a diagram illustrating a transaction process through a use card of a charge / use card according to another exemplary embodiment of the present invention.

More specifically, FIG. 22 shows a card issuer server 115 on the charge / use card transaction system shown in FIG. 20 through a transaction request process between the merchant terminal 130 and the bansa server 125 shown in FIG. When the full request for approval including card information corresponding to the use card of the charge / use card is received, the card issuer server 115 based on the charge amount charged through the charge card of the charge / use card. A process of processing a transaction approval for a transaction amount requested through a use card of the charge / use card, and a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify the present invention. It will be possible to infer various implementation methods for the transaction process through the use card of the charge / use card, but the present invention includes all the implementation methods inferred The technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 22, the customer is manufactured through the charge / use card manufacturing system shown in FIG. 2 or FIG. 4 through a transaction request process between the affiliated store terminal 130 and the bansa server 125 shown in FIG. Authorization request text including card information corresponding to the use / use card of the charge / use card, which is sold (or paid) and whose charge is charged through the charge / use card charging system shown in FIG. 6, 9, or 13; When the card issuer server 115 on the charge / use card transaction system shown in FIG. 20 is received, the card issuer server 115 receives the charge / use card from the bansa server 125 through a communication network. Receive an authorization request message including card information corresponding to a use card (2200), read the card information included in the authorization request message, and the charge / charge information among the BIN information assigned to the card issuer. Check the used card information including the BIN information cooperation with allocating the use of a card for card 2205.

If the use card information including the BIN information associated with the allocation of the charge / use card to the use card of the BIN information assigned to the card issuer by reading the card information included in the authorization request full message is not confirmed ( 2210), the card issuer server 115 generates the full text of the authorization result including the transaction error information and transmits it to the bansa server 125 (2215), and the bansa server 125 is connected to the affiliated store terminal 130. The full text of the approval result is transmitted to the affiliated store terminal 130 through the connected communication channel (2230).

On the other hand, if the card information including the BIN information associated with the allocation of the card used in the charge / use card of the BIN information assigned to the card issuer by reading the card information included in the full authorization request is confirmed (2210) In operation 2235, the card issuer server 115 checks whether the use card of the charge / use card is activated in association with the storage medium 2065.

If the use card of the charge / use card is not activated (2240), the card issuer server 115 generates a full text of the authorization result including the transaction error information and transmits it to the bansa server 125 (2215). The bansa server 125 transmits the full text of the approval result to the affiliated store terminal 130 through the communication channel connected to the affiliated store terminal 130 and outputs the complete certificate result (2230).

On the other hand, if the use card of the charge / use card is activated (2240), the card issuer server 115 is connected to the storage medium 2065 and the charge card information and the charge card associated with the use card information Check the charged amount information charged through (2245).

If the charge card information associated with the use card information and the charge amount information charged through the charge card are not confirmed (2250), the card issuer server 115 generates a full text of an approval result including transaction error information. The bansa server 125 transmits the result to the bansa server 125 (2215), and transmits the full text of the approval result to the affiliated store terminal 130 through the communication channel connected to the affiliated store terminal 130 (2230). .

On the other hand, if the charge card information associated with the use card information and the charge amount information charged through the charge card is confirmed (2250), the card issuer server 115 is charged through the charge card of the charge / use card The transaction approval for the transaction amount (= transaction amount included in the authorization request text) using the use card of the charge / use card is processed through the charge amount information (2255).

According to an embodiment of the present invention, the card issuer server 115 may determine the transaction amount (= transaction amount included in the full authorization request) and the charge / use card of the charge / use card. Compare the charge amount charged through the charge card, and if the charge amount is greater than the transaction amount, approve the transaction through the use card of the charge / use card, and conversely, the charge amount is larger than the transaction amount. In this case, 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 use card of the charge / use card (2260), the card issuer server 115 generates a full text of an authorization result including transaction error information to the bansa server 125. In operation 2215, the bansa server 125 transmits the full text of the approval result to the affiliated store terminal 130 through the communication channel connected to the affiliated store terminal 130 and outputs the complete certificate (2230).

On the other hand, if a transaction for the transaction amount is approved through the use card of the charge / use card (2260), the card issuer server 115 links the charge / use card with the storage medium 2065. Subtract the transaction amount authorized through the use card of the charge / use card from the charged amount charged through the 2265, and generate the full text of the approval result including the transaction approval information corresponding to the transaction approval process to generate the full text of the bansa server ( 125, and the bansa server 125 transmits the full text of the approval result to the affiliated store terminal 130 through the communication channel connected to the affiliated store terminal 130 and outputs the complete certification result (2230).

FIG. 23 is a diagram illustrating a domestic card type purchase process for a use card transaction of a charge / use card according to another exemplary embodiment of the present invention.

More specifically, FIG. 23 shows that after the transaction through the use / use card of the charge / use card is processed through the transaction through the use card of the charge / use card shown in FIG. 22, the charge / use card shown in FIG. The process of purchasing the slip for the use card transaction in the card issuer server 115 on the transaction system, and if the person skilled in the art to which the present invention pertains, refer to FIG. 23 and / or It will be possible to infer various implementation methods for the domestic card-type slip purchase process for the use card transaction of the charge / use card by modifying, but the present invention includes all the implementation methods inferred, as shown in Figure 23 The technical features are not limited only to the illustrated embodiment.

For example, in FIG. 23, the card issuer server 115 that processes the transaction process through the use card of the charge / use card shown in FIG. 22 performs a purchase purchase confirmation and request process. However, the present invention is not limited thereto, and according to the intention of the person skilled in the art, it is possible to perform a check purchase and request process on the bansa server 125 provided with the full approval result, and the present invention provides the bansa server 125. It should be made clear that this includes the process of confirming and requesting the purchase of a document.

Referring to FIG. 23, after a transaction through a use card of a charge / use card is processed through a transaction through a use card of the charge / use card shown in FIG. 22, the card issuer server 115 returns the charge. Check whether the purchase of the slip for the transaction approval through the use card of the use card is performed (2300).

According to an embodiment of the present invention, the card issuing server 115 is for a transaction approval through the use card of the charge / use card when a certain period elapses after the transaction approval through the use card of the charge / use card It is preferable to confirm by purchasing a slip.

According to the method of the present invention, the card issuer server 115 checks whether the slip is inserted in place of the card issuer server 115 and then uses the card of the charge / use card to the card issuer server 115. It is also possible to request the purchase of a ticket for the transaction approval through the present invention, and the present invention may include a request to purchase a ticket from the bansa server 125.

If the purchase of the slip for the transaction approval through the use card of the charge / use card is confirmed (2305), the card issuer server 115 performs a transaction process using the use card of the charge / use card shown in FIG. On the basis of the transaction history generated in step S23 purchase information about the transaction approval through the use card of the charge / use card is generated.

Thereafter, the card issuer server 115 purchases a slip for the transaction approval through the use card of the charge / use card based on the slip purchase information (2315).

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 a document corresponding to the transaction approval through the use card of the charge / use card is purchased in accordance with the affiliated document purchase procedure (2320), the card issuer server 115 may determine the use card of the charge / use card. The result of the document purchase is stored (2325).

According to the present invention, a charge / use card made by linking a use card for payment / financial transaction and a disposable charge card (or blank charge card) for charging a charge amount for payment / finance transaction approval for the use card. Produces and sells (or pays) to the customer, but registers the customer wireless terminal of the customer as a charge card of the charge / use card to charge a predetermined amount, and pays through the use card through the charged amount / By dealing with financial transactions, there is an advantage of providing a card that solves the problems of conventional prepaid cards and credit cards.

According to the present invention, a charge / use card made by linking a use card for payment / financial transaction and a disposable charge card (or blank charge card) for charging a charge amount for payment / finance transaction approval for the use card. Produces and sells (or pays) to the customer, but registers the customer wireless terminal of the customer as a charge card of the charge / use card to charge a predetermined amount, and pays through the use card through the charged amount By processing the / financial transaction, there is an advantage that the charge amount is charged through the charge card without limitation of time / region, and the payment / finance transaction is provided using the charge amount through the use 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 (8)

Charge consists of a use card assigned with a BIN (Bank Identification Number) of a card brand company that can trade cards at domestic and overseas credit card merchants, and a one-time charge card that is charged once to be set as the transaction approval limit of the use card. In the charging / using card charging method using a wireless terminal of the card issuer server that issued the / use card, Connecting, by the card issuer server, the disposable charge card information of the issued charge / use card and the use card information to be stored in a storage medium, and setting the use card information so that a card transaction through the use card is not provided; When the charge amount is charged to the disposable charging card through a terminal of a card retailer (or an affiliated store), the card issuer server connects the charge amount information to the stored disposable charging card information and stores the charge amount information. Updating the use card information to be provided; The card issuer server records the wireless terminal information of the customer who owns the charge / use card received from the terminal in the disposable charge card information and registers the wireless terminal of the customer as a charge card of the charge / use card. Making; And And processing, by the card issuer server, a charging amount to be set as a transaction approval limit of the use card by using wireless banking (or communication fee payment) through the wireless terminal of the customer as a charging means. Charging / using card charging method using a wireless terminal, characterized in that. Recharge consists of a usage card assigned with a BIN (Bank Identification Number) of a card brand company that can trade cards at domestic and overseas credit card merchants, and a virtual blank recharge card that charges the amount to be set as the transaction approval limit of the use card. In the charging / using card charging method using a wireless terminal of the card issuer server that issued the / use card, Connecting, by the card issuer server, the blank charge card information of the issued charge / use card and the use card information to be stored in a storage medium, and setting the use card information so that a card transaction through the use card is not provided; If the name of the customer who owns the charge / use card is confirmed through a terminal of a card store (or affiliated store), the wireless terminal information of the customer who owns the charge / use card received from the terminal by the card issuer server Registering the wireless terminal of the customer as a charge card for charging a charge amount to be used as a transaction approval limit of the use card by recording in the blank charge card information; And And processing, by the card issuer server, a charging amount to be set as a transaction approval limit of the use card by using wireless banking (or communication fee payment) through the wireless terminal of the customer as a charging means. The blank charging card, The charging / use card charging method using the wireless terminal, which is not included in the charge / use card configuration and exists only as blank charge card information stored in the storage medium. The method according to claim 1 or 2, When the charge amount is charged, receiving, by the card issuing server, an authorization request message including card information and transaction value information; Checking, by the card issuer server, extracting card information including the BIN of the use card from the authorization request message and matching the use card information of the issued charge / use card; And When the extracted card information and the use card information of the recharge / use card match, the card issuer server uses the recharge amount as the transaction approval limit of the use card for the transaction amount included in the approval request. Charging / use card charging method using a wireless terminal, characterized in that further comprising the step of processing the authorization. The method of claim 1, wherein the disposable charging card information, Charging / use card charging method using a wireless terminal, characterized in that it comprises a disposable charging card number, and a charging attribute code set to enable only one-time charging. The method of claim 2, wherein the blank charging card information, A charge card number including a blank area in which the wireless terminal information of the customer is to be recorded, expiration date information synchronized with the expiration date of the use card, and activation / inactivity information for determining whether to provide a card transaction through the use card; Charging / use card charging method using a wireless terminal, characterized in that made. delete Charge consists of a use card assigned with a BIN (Bank Identification Number) of a card brand company that can trade cards at domestic and overseas credit card merchants, and a one-time charge card that is charged once to be set as the transaction approval limit of the use card. In the charging / using card charging system using a wireless terminal of the card issuer server that issued the / use card, Information storage means for connecting the disposable charge card information and the use card information of the issued charge / use card to a storage medium, and setting the use card information so that a card transaction through the use card is not provided; When the charge amount is charged to the disposable charging card through a terminal of a card store (or affiliated store), the charge amount information is connected to the stored disposable charge card information and stored, and the credit card information is provided so that a card transaction is provided through the use card. Charging / use card charging means for updating; Charge card registration means for registering wireless terminal information of a customer who owns the charge / use card received from the terminal into the disposable charge card information and registering the customer's wireless terminal as a charge card of the charge / use card; And And charging processing means for processing the charging amount to be set to the transaction approval limit of the use card by using wireless banking (or communication fee payment) through the wireless terminal of the customer as a charging means. Charging / using card charging system using wireless terminal. Recharge consists of a usage card assigned with a BIN (Bank Identification Number) of a card brand company that can trade cards at domestic and overseas credit card merchants, and a virtual blank recharge card that charges the amount to be set as the transaction approval limit of the use card. In the charging / using card charging system using a wireless terminal of the card issuer server that issued the / use card, Information storage means for connecting the blank charge card information and the use card information of the issued charge / use card to store in the storage medium, and setting the use card information so that a card transaction through the use card is not provided; When the name of the customer who owns the charge / use card is confirmed through a terminal of a card retailer (or an affiliate store), the wireless terminal information of the customer who owns the charge / use card received from the terminal is displayed as the blank charge card information. A charging card registration means for registering the wireless terminal of the customer as a charging card for charging a charging amount to be used as a transaction approval limit of the use card; And And charging processing means for processing the charging amount to be set to the transaction approval limit of the use card by using wireless banking (or communication fee payment) through the wireless terminal of the customer as a charging means. The blank charging card, Charge / use card charging system using a wireless terminal, characterized in that not included in the charge / use card configuration, only the blank charge card information stored in the storage medium.

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