KR20020024007A - System and method for providing cooperation card - Google Patents

Abstract

PURPOSE: A system and a method for providing a cooperating card are provided to use plural card as one card by linking a credit card company with the secondary financial organizations and integrating the services provided from each organization. CONSTITUTION: The system comprises a cooperating card(10) having a magnetic code recoding the information for providing service of a credit card company and cooperating company, a terminal(20), a relay system(32) including a relay server(32) and an organization information database(34), a credit card company system(40), and a cooperating organization system(50). The credit card company system includes a credit card company server(42) processing a request service information received from the relay server and transmitting the processing result to the relay server, and a member information database(44) storing and managing the user information of cooperating card. The cooperating organization system includes a cooperating organization server(52) processing a request service information received from the relay server and transmitting the processing result to the relay server, and a member information database(54).

Description

Affiliate Card Provision System and Method {SYSTEM AND METHOD FOR PROVIDING COOPERATION CARD}

The present invention relates to a system and method for providing an affiliated card, and more specifically, to an affiliated card providing system and method for integrating and using services provided by affiliated institutions such as credit card companies and second financial institutions, respectively, into one card. It is about.

With the widespread use of credit cards, many people have had them. In the case of a credit card, the information required for the magnetic code is recorded and used, and the magnetic code is composed of track 1, track 2 and track 3, which are in accordance with the ISO standard. In the conventional case, the basic information of the institution, the customer information, and the like are magnetically recorded on the track 1, and the credit card information is magnetically recorded on the track 2. In addition, track 3 used self-recorded bank account information.

In general, an institution that combines credit card business and banking business uses credit card information on track 2 and bank account information on track 3. In the case of a credit card company, the credit card information is recorded on track 2 magnetically, and the accumulated points, discount points or the information of affiliated organizations are tracked on track 3 and used.

In addition, as the use of the second financial sector such as insurance and securities is activated, many people are using the services of the second financial sector. However, in order to use the services of the second financial sector, you need to use a card issued by the relevant institution or visit a business office. Even if you use the card, you cannot use the service with a terminal such as an ATM (Automated-Teller Machine). There was an inconvenience in the use of.

In the case of an insurance company, for example, when a customer wants to use a service such as insurance dividend or loan of an agreement, it is inconvenient to use the insurance company or a business office in person.

In other words, the card that is held by the individual to increase the tendency to increase rapidly, but the situation is issued by the individual card for each institution because the mutual compatibility and business linkage is not provided.

The present invention has been presented to solve the above problems, and an object of the present invention is to provide an affiliate card.

In addition, another object of the present invention is to provide an affiliated authority system for issuing and registering a virtual account number recorded in the affiliated card.

In addition, another object of the present invention to provide an affiliate card providing system.

In addition, another object of the present invention to provide an affiliate card providing method.

In other words, by linking credit card companies and affiliated institutions, such as the second financial sector, to provide a partnership card, system and method that can be used as a single card by integrating the services provided by each institution.

1 is a block diagram of an affiliated card providing system according to the present invention.

2 is a flow chart of the process of issuing and incident processing of the affiliated card according to the present invention.

3A and 3B are flowcharts illustrating a process of providing a service of a credit card company or an affiliated institution by using an affiliated card according to the present invention.

*** Explanation of main parts of drawing ***

10: affiliate card 12: track 1

14: track 2 16: track 3

20: terminal 30: relay system

32: relay server 34: agency information database

40: credit card company system 42: credit card company server

44, 54: Member information database 50: Affiliate organization system

52: affiliated agency server

In order to achieve the above object, the affiliated card according to the present invention comprises: an affiliated card having a magnetic code with predetermined information recorded thereon, the magnetic code comprising: track 1 on which the user's information is self-recorded; Track 2 with self-recorded information including the user's credit card number and expiration date; And track 3 in which the virtual account number of the user registered in the affiliated institution which is the predetermined second financial institution is self-recorded.

Preferably, the virtual account number is opened to the user in the affiliated institution, characterized in that associated with the real account opened in the affiliated institution for settlement of financial transactions made through the virtual account.

In addition, in order to achieve the above another object, the affiliated agency system according to the present invention is provided to an affiliated institution, which is a second financial institution that provides services through an affiliate card provided by a credit card company for providing a credit card service to a user. An affiliated agency system comprising: receiving means for receiving a request for issuing a virtual account number of a user to be recorded in track 3 of a magnetic code of an affiliated card; Processing means for issuing a virtual account number and associating the virtual account number with a real account opened to a user; And it characterized in that it comprises a transmission means for transmitting the virtual account number.

In addition, in order to achieve the above another object, the affiliated card providing system according to the present invention, by integrating the credit card service provided by the credit card company and the affiliated agency service provided by the affiliated institution which is a second financial institution in one affiliate card An association card providing system provided to a user, comprising: a card recognition means for recognizing a magnetic code of an affiliate card, an input means for processing input information input by a user for a service request, and card information and input recognized by a card recognition means A terminal comprising a transmitting means for transmitting information, a receiving means for receiving the processing result of the card information and the input information, a display means for displaying the processing result received by the receiving means, and a control means; Receiving means for receiving card information and input information from a terminal and receiving processing results from a credit card company system provided in a credit card company or an affiliated agency system provided in an affiliated institution, card information and input information to a credit card system or an affiliated institution system. A relay system including a relay server which transmits a transmission signal and transmits a result of the processing to the terminal; A credit card company server comprising a receiving means for receiving card information and input information from a relay server, processing means for determining whether a service can be provided through card information and input information, calculating processing results, and transmitting means for transmitting the processing results. And a credit card company system including a member information database for storing and managing information on services available to a user and usage of each service. And a receiving means for receiving card information and input information from the relay server, a processing means for determining whether the service can be provided through the card information and input information, calculating a processing result, and a transmitting means for transmitting the processing result. Affiliation including a member information database that stores and manages the server and the user's virtual account number, the user's real account information associated with the virtual account number, the services available to the user through the virtual account, and the usage of each service. And an organ system.

Preferably, the card information received by the receiving means of the credit card company system includes information recorded on track 1 and track 2 of the magnetic code, and the card information received by the receiving means of the affiliated institution system is track 1 of the magnetic code. And information recorded magnetically in the track 3.

In addition, in order to achieve the above another object, the affiliated card providing method according to the present invention, by integrating the credit card service provided by the credit card company and the affiliated agency service provided by the affiliated institution that is the second financial institution in one affiliate card An association card providing method provided to a user, comprising: an issuing request step of receiving a request for issuing a virtual account number of a user to be recorded in track 3 of a magnetic code of an affiliate card; A registration step of issuing and registering a virtual account number; And a transmitting step of transmitting the virtual account number.

Preferably, the registration step is characterized in that it comprises an account linking step of associating a virtual account number with a real account of a user opened in an affiliated institution.

Hereinafter, with reference to the accompanying drawings will be described in detail the advantages, features and preferred embodiments of the present invention.

1 is a block diagram of an affiliated card providing system according to the present invention. Referring to Figure 1, the configuration of the affiliated card providing system according to the present invention, the affiliated card 10, the magnetic code of the affiliated card 10, the information for providing the service of the credit card company or affiliated organization magnetically recorded in the magnetic code Reads the user's input and processes the user's input to the terminal 20, the credit card company system 40 or affiliated to receive the information recorded in the affiliated card 10 and the service information requested by the user from the terminal 20 It stores the information of the relay server 32 and the credit card company and the affiliated agency which transmits the information received from the credit card company system 40 or the affiliated authority system 50 to the terminal 20, and transmits to the institution system 50, and The credit card company which processes the request service information received from the relay system 30 and the relay server 32 including the agency information database 34 to manage and transmits the processing result to the relay server 32. And the request service information received from the credit card company system 40 and the relay server 32, including the member information database 44 for storing and managing the information of the affiliated card user, and the relay server. And an affiliated authority system 50 including an affiliated agency server 52 for transmitting to 32 and a member information database 54 for storing and managing information of the affiliated card users.

The affiliated card 10 according to the present invention magnetically records information for providing services of credit card companies and affiliated organizations in a magnetic code. The information for providing a service includes user information, information for processing a service provided by a credit card company, and information for processing a service provided by an affiliated organization, each of which is magnetically recorded in each track of the magnetic code.

A credit card company is an institution that performs a normal credit card service business, and an affiliated institution means an institution of a second financial sector. For example, affiliated institutions include insurance companies, securities companies, financial companies or investment trust companies.

Magnetic codes are divided into track 1 (12), track 2 (14) and track 3 (16) by the ISO standard. In the track 1 (12), the basic information and customer information of the credit card company or the affiliated organization is recorded by itself, and in the track 2 (14), the information about the credit card is recorded in the magnetic field. Information about the credit card includes the user's credit card number and expiration date. In addition, in the track 3 (16), the virtual account number of the user registered with the affiliated organization is recorded by itself.

The virtual account number stored in track 3 (16) is for processing a service provided by an affiliated institution. That is, in order to use a service provided by an affiliated organization, the user refers to an account for depositing funds to or withdrawing funds from the affiliated institution. For example, if the affiliated institution is an insurance company, if you want to receive insurance dividends or loans of terms, the user can make a transaction through a virtual account, instead of directly visiting the insurance company as a conventional process. The virtual account is self-recorded on the affiliate card 10 in the same form as a normal bank account. Therefore, the user can use the services of the affiliated institution through the terminal 20, such as making a financial transaction using a normal bank account. At this time, the terminal 20 recognizes the virtual account as an account opened by the insurer in the bank for the user.

A detailed description of the virtual account is as follows.

The virtual account is composed of the affiliated mother's account and the individual account given to each individual customer of the affiliated organization, and each client of the affiliated organization is given an independent virtual account number, and the assigned account number is associated with the mother account. In addition, all histories and management of each customer's inquiry and entry / exit transactions are done in the parent account.

That is, when an affiliated institution's customer makes an initial transaction at the affiliated institution, the affiliated organization receives an affiliated account number, that is, the client's real account number, and applies for issuance of an affiliated card. Account number) is additionally generated by the system and managed with a database linked with the internal account number. After that, the card issuance application is received by the credit card company, and the credit card company requests the customer's virtual account number from the affiliated organization through the system network at the card issuing stage, receives the virtual account number, adds it to the track 3 (16), and receives the credit. Card company-related information is entered into track 1 (12) and track 2 (14) to issue a card and send it to the customer.

In the case of using the credit card company's service in using the affiliated card 10 issued by the customer, the cash service, inquiry and withdrawal service is performed in the same manner as the current credit card. In addition, in the case of using the services of the affiliated institution, when the withdrawal / inquiry / transfer of the deposit from the customer account of the affiliated organization, if the customer selects the account withdrawal / deposit / inquiry in the bank and the terminal 20, banks and automated devices Reads virtual account track 3 (16) and asks the bank for information about the account. The bank requests this affiliated institution, receives the customer account information and approval information of the virtual account (own account) from the affiliated organization and transmits the result to the automated device. Therefore, the customer can also use the transaction for his affiliated account through the terminal 20.

For example, if the relay system 30 is issued with a million virtual accounts from the bank, and 100,000 of them are issued to the affiliated institution, the affiliated institution gives the customer 100,000 100,000 account numbers. At this time, 100,000 accounts assigned to the customer of the affiliated institution becomes a magnetic account, and the bank recognizes the mother account of the 100,000 magnetic accounts as the account of the affiliated institution.

When a customer of an affiliated organization inserts an affiliate card 10 into the terminal 20 and requests a transaction for a customer account of the affiliated organization, the terminal 20 inputs the information read from the track 3 16 and the customer's input. Send the contents to the bank. The Bank recognizes the affiliated organization through its parent account number, and asks the affiliated agency for information about this information and whether it is possible to trade from the customer account (real account) corresponding to the customer's own account number. The affiliated agency checks the customer's account associated with the customer's account number to determine whether the service can be provided, and transmits the result to the bank. The bank receives the transmitted information and transmits it to the terminal 20, which provides the service to the customer.

The transmission process of the information between the terminal 20, the bank system (not shown), and the affiliated organization system 40 is relayed by the relay system 30. In addition, the present invention assumes that the relay system 30 receives a virtual account from the bank, and has given some of them to an affiliated institution.

The terminal 20 according to the present invention reads the information recorded in each track of the magnetic code of the affiliated card 10, processes the requested service information input or selected by the user, and transmits it to the relay system 30. In addition, the terminal 20 receives a result of processing the user's requested service information from the credit card company system 40 or the affiliated institution system 50 from the relay system 30, and provides a service to the user according to the received information. do.

For example, when the user inserts the affiliate card 10 into the terminal 20, the terminal 20 reads the magnetic code of the affiliate card 10 and uses the credit card service menu available from the affiliated institution. Display the menu. When the user selects one of the credit card service menus (for example, "card loan") and enters a password, the terminal 20 reads the information of the track 1 12 and the track 2 14, and reads the information. And the information input by the user is transmitted to the credit card company system 40 via the relay system 30. When payment is granted from the credit card company system 40, the information about the payment is transmitted to the terminal 20 through the relay system 30, and the terminal 20 pays the amount requested by the user.

In addition, when the user selects one of the affiliated agency's service menus (for example, "term loan") and inputs a password, the terminal 20 displays the information of the track 1 (12) and the virtual account information of the track 3 (16). Is read, and the read information and the information input by the user are transmitted to the affiliated authority system 50 via the relay system 30. The affiliated agency system 50 determines whether payment of the requested amount is possible from the user's virtual account, and if payment is possible, transmits payment permission information to the terminal 20 via the relay system 30. The terminal 20 receives payment permission information and pays the requested amount to the user.

The terminal 20 according to the present invention may use a conventional unmanned automated equipment (CD / ATM / KIOSK).

The terminal 20 according to the present invention includes a card input means for inserting an affiliate card 10, a card recognition means for recognizing the input card, an input means for processing a user input, and a user inputs cash or a check. Cash input means, cash payment means for paying cash or check to the user, display means for displaying information to the user, transmission means for data transmission, receiving means for receiving data and the terminal 20 Control means for controlling the operation.

The relay system 30 according to the present invention relays the issuance of the affiliate card 10 and the provision of a service using the affiliate card 10. The relay system 30 receives the affiliated card information read from the terminal 20 and the requested service information input by the user, and determines whether the received information is for a credit card company or an affiliated agency to determine whether the received credit card company system ( 40) or to the affiliated authority system 50. In addition, the processing result of the transmitted information is received from the credit card company system 40 or affiliated authority system 50 and transmitted to the terminal 20. In addition, the relay system 30 relays a process of issuing a virtual account number recorded on the track 3 (16) of the affiliate card 10, and relays an accident processing process when an accident of the affiliate card 10 occurs.

The relay system 30 according to the present invention includes a relay server 32 and an organization information database 34.

The relay server 32 according to the present invention receives the information recorded in the affiliated card 10 and the requested service information input or selected by the user from the terminal 20 to the credit card company system 40 or the affiliated institution system 50. And the processing result is received from the credit card company system 40 or the affiliated institution system 50 and transmitted to the terminal 20. In addition, the relay server 32 receives a request for issuing a virtual account number from the credit card company system 40 and requests the issuance of the virtual account number from the affiliated institution system 50. In addition, when the affiliated institution system 50 issues and registers a virtual account number, the affiliated institution system 50 receives the registered virtual account number and transmits it to the credit card company system 40. In addition, when an accident report is received from the credit card company system 40, the affiliated agency system 50 is notified of the accident report.

The relay server 32 according to the present invention includes a receiving means for receiving data, a transmitting means for transmitting data, and a processing means for processing data.

The institution information database 34 according to the present invention stores and manages information of credit card companies and affiliated organizations.

The credit card company system 40 according to the present invention issues an affiliate card 10 to a user and provides a normal credit card service. The credit card company system 40 also includes a credit card company server 42 and a member information database 44.

The credit card company server 42 according to the present invention receives the affiliate card 10 information read from the terminal 20 and information including the request service information and password input or selected by the user from the relay system 30, It is determined whether the service can be provided based on the received information, and the determination result is transmitted to the relay system 30. When the credit card company server 42 issues an affiliate card 10, the credit card company server 42 transmits a request for issuing a virtual account number to be stored in the track 3 16 to the relay system 30, and the user of the affiliate card 10 is transferred from the user. If there is an accident report, an accident report registration notification is transmitted to the relay system 30.

The credit card company server 42 according to the present invention includes a receiving means for receiving data, a transmitting means for transmitting data, and a processing means for data processing such as determining whether a service can be provided.

The member information database 44 according to the present invention stores and manages the information of the affiliate card user. The user's information includes user's personal information, available services, usage of each item of service, payment account, payment date, password, and the like.

The affiliated institution system 50 according to the present invention is a system of a second financial institution, and registers a virtual account number issued to a user and through a virtual account number recorded in the track 3 (16) of the affiliated card 10 in a self-recorded manner. Provide services to users. The affiliated organization system 50 also includes an affiliated agency server 52 and a member information database 54.

The affiliated agency server 52 according to the present invention receives the affiliated card 10 information read from the terminal 20 and information including the requested service information and password inputted or selected by the user from the relay system 30, It is determined whether the service can be provided through the received information, and the determination result is transmitted to the relay system 30. In addition, the affiliated agency server 52 receives a request for issuing a virtual account number to be stored in the track 3 (16) at the time of issuing the affiliate card 10 from the relay system 30, and issues and registers the virtual account number. In addition, when an accident occurs in the affiliated card 10, the notification of the accident is registered from the relay system 30 and registered. In addition, the affiliated agency server 52 updates the information of the user's real account based on the information of the virtual account when the service is provided through the virtual account.

The affiliated agency server 52 according to the present invention issues a receiving means for receiving data, a transmitting means for transmitting data, and a virtual account number, determines whether the service can be provided, and links the virtual account with the real account. Processing means for data processing such as;

The member information database 54 according to the present invention stores and manages the information of the affiliate card user. The user's information includes user's personal information, available services, usage of each item of service, virtual account number, real account information, password, and the like. The virtual account refers to a virtual account made so that the user can use the service using the affiliate card 10 and the terminal 20. The virtual account is connected to the user's real account opened in the affiliated institution, and when the transaction is made in the virtual account, the transaction has the same effect as that made through the real account.

2 is a flowchart in which an issuance and accident processing process of an affiliated card according to the present invention is performed. Referring to Figure 2, the issuance and incident processing process of the partnership card according to the present invention has the following flow.

The user applies for issuance of the affiliate card 10 to the affiliated institution system 50 and provides necessary information such as personal information. (First step)

The affiliated institution system 50 transmits the user's application for issuing the affiliate card 10 and the information provided by the user to the credit card company system 40. (second step)

The credit card company system 40 requests the relay system 30 to issue a virtual account number (customer number) to be recorded on track 3 (16) of the affiliate card 10. (3rd step)

The relay system 30 transmits a request for issuing a virtual account number of the user to the affiliated authority system 50, and the affiliated authority system 50 issues and registers the virtual account number. The registration includes a process of associating the issued virtual account number with the real account of the user opened in the affiliated institution system 50.

The credit card company system 40 self-records the corresponding information on each track of the magnetic code of the affiliate card 10, and performs a new registration process.

The credit card company system 40 sends the affiliated card 10 issued to the user. (Sixth Step)

If a user experiences an accident such as loss while using the affiliate card 10, the user receives an accident report in the credit card company system 40. (Seventh Step)

The credit card company system 40 registers the received accident report (step 8) and transmits a notification of registration of the accident report to the relay system 30 (step 9).

The relay system 30 receives the accident report registration notice and notifies the affiliated agency system 50, and the affiliated agency system 50 registers the accident report. (Step 10) If the accident is resolved, the same process is performed. Unregister the accident report.

3A and 3B are flowcharts illustrating a process of providing a service of a credit card company or an affiliated institution by using an affiliated card according to the present invention. 3A and 3B, a service providing process using an affiliate card has the following flow.

When the user inserts the affiliate card 10 into the terminal 20 (step S100), the terminal 20 reads card information recorded in the magnetic code of the affiliate card 10 (step S102).

The terminal 20 transmits the read card information to the relay system 30 (step S104), and the relay system 30 receives the transmitted card information. (Step S106)

The terminal 20 displays a menu of services that can be provided, and the user selects a service to be requested from the displayed menu and inputs a password (step S108). The terminal 20 reads the magnetic code of the affiliate card 10. In addition, the service can be provided through the information recorded in the magnetic code as a service provided by the credit card company and the affiliated agency, and the corresponding service menu can be displayed.

The terminal 20 transmits the request service information and password inputted or selected by the user to the relay system 30. (Step S110) Card information of step S104 may be transmitted together at this step.

The relay system 30 receives the request service information and the password of the user from the terminal 20 (step S112), and determines whether the requested service information is a service of a credit card company or an affiliated organization (step S114).

In the case of the service of the credit card company in step S114, the relay system 30 transmits the reception information to the credit card company system 40. (step S116) The reception information includes the card information, the requested service information and the password. At this time, the card information is information necessary for providing a service of a credit card company, and is information recorded on track 1 (12) and track 2 (14) of the magnetic code of the affiliated card (10). When the terminal 20 transmits the card information, only the necessary information may be extracted from the information of each track through the user's request service information, and the terminal 20 transmits the information of the entire track, and the relay system 30 may transmit the card information. ) May extract only the necessary information from the card information received through the user's requested service information. In addition, the relay system 30 may transmit information of the entire track, and the credit card company system 40 may extract necessary information.

The credit card company system 40 receives the transmitted card information, the requested service information and the password (step S118).

The credit card company system 40 extracts the user information from the member information database 44 (step S120). The extraction of the user information includes the user information recorded in the track 1 (12) of the affiliate card 10, and the track 2 (14). ) Is made using credit card information such as a credit card number recorded in the above or a password input by a user. The user information includes the service available to the user, the utilization of the service and the expiration date.

The credit card company system 40 compares the received information with the extracted user information and determines whether the service requested by the user can be provided (step S122). That is, whether the input password is correct or not, the service requested by the user is used. It is determined whether the service is possible or whether the requested service is within the usage degree of the service.

If it is determined in step S122 that the service cannot be provided, the credit card company system 40 transmits a notification of no service to the relay system 30 (step S124).

The relay system 30 receives the service unavailable notice and transmits it to the terminal 20. (Step S126)

The terminal 20 displays a message indicating that the service cannot be provided through the display means, and allows the user to re-enter necessary inputs or rejects the service (step S128).

If it is determined in step S122 that the service can be provided, the credit card company system 40 transmits a service availability notification to the relay system 30 (step S130).

The relay system 30 receives the service availability notification and transmits it to the terminal 20 (step S132), and the terminal 20 provides a service requested by the user (step S134).

The credit card company system 40 stores the details of the service provided in the member information database 44 and updates the user information (step S136). In other words, if the service provided to the user has a predetermined limit, the credit card company system 40 is provided to the user. Reduce the remaining limit amount by the amount and store it.

In the case of the service provided by the affiliated organization in step S114, the relay system transmits the received information to the affiliated authority system 50. (Step S138) As in step S116, the received information includes card information, requested service information, and a password. do. At this time, the card information is information necessary for providing a service of an affiliated organization, and is information recorded on track 1 (12) and track 3 (16) of the magnetic code of the affiliated card (10). The process of extracting the necessary information from the information recorded in the entire track is made based on the requested service information of the user, and may be performed by the terminal 20, the relay system 30, or the affiliated authority system 50.

The affiliated authority system 50 receives the transmitted card information, request service information and a password (step S140).

The affiliated organization system 50 extracts the user information from the member information database 54 (step S142). The extraction of the user information is performed by the user information or track 3 (16) recorded in the track 1 (12) of the affiliate card (10). The virtual account number recorded in) is used as a key. User information includes services available to the user, transaction limits for virtual accounts, passwords, and the like.

The affiliated agency system 50 compares the received information with the extracted user information and determines whether the service requested by the user is available. (Step S144) That is, whether the input password is correct or not, the service requested by the user is used. It is determined whether the service is available or the requested service is within the transaction limit of the virtual account.

If it is determined in step S144 that the service cannot be provided, the affiliated authority system 50 transmits a notification of no service to the relay system 30 (step S146).

The relay system 30 receives the service unavailable notice and transmits it to the terminal 20. (Step S148)

The terminal 20 displays a message indicating that the service cannot be provided through the display means, allows the user to re-enter the necessary input items, or rejects the service (step S150).

If it is determined in step S144 that the service can be provided, the affiliated authority system 50 transmits the service availability notification to the relay system 30 (step S152).

The relay system 30 receives the service availability notice and transmits it to the terminal 20 (step S154), and the terminal 20 provides a service requested by the user (step S156).

The affiliated institution system 50 updates the virtual account information according to the details of the provided service (step S158). In other words, when the user pays the funds, the remaining transaction limit of the virtual account is reduced by the amount paid, and the user funds If deposit is made, increase the remaining transaction limit of the virtual account by the deposit amount.

The affiliated organization system 50 updates the real account information based on the virtual account information (step S160). As described above, the virtual account is provided by the user using the affiliated card 10 and the terminal 20. In order to use the service, a transaction through a virtual account has the same effect as a transaction through a real account of a user opened in an affiliated institution. That is, the user can obtain the same effect as the transaction through the real account by using the affiliate card 10 and the terminal 20 to make a transaction through the virtual account without directly visiting the affiliated institution. Therefore, the affiliated institution system 50 updates information such as the remaining limit or the remaining amount of the real account according to the user's virtual account information.

As described above, the present invention is to issue an individual card by providing a single card to efficiently perform the independent and interrelated tasks of both organizations through a business alliance or a business alliance. By reducing the social cost required and solving the inconvenience of having to issue and store the customer separately, there is a remarkable effect of increasing the time and personal efficiency by additionally providing related business services between affiliated organizations.

In other words, the present invention can provide a service for a credit card company and an affiliated agency through one affiliate card at the same time, thereby reducing the cost of issuing the card and making it convenient for the customer.

In addition, in order to use the services of the affiliated organizations in the past, by eliminating the inconvenience that the customer had to visit the affiliated organizations directly, there is an effect of providing a more convenient quality service to the customers.

In addition, by allowing the customer to selectively use the service of the credit card company and the affiliated agency service, it is possible to obtain a synergistic effect of increasing the customer's utilization of both services.

While the preferred embodiments of the present invention have been described using specific terms, such descriptions are for illustrative purposes only, and it is understood that various changes and modifications may be made without departing from the spirit and scope of the following claims. Should be done.

Claims (7)

Affiliate card with a magnetic code on which certain information is recorded magnetically, The magnetic code is, Track 1 in which the user's information is recorded magnetically; Track 2 on which information including the user's credit card number and expiration date is recorded magnetically; And And a track 3 in which the virtual account number of the user registered in an affiliated institution which is a predetermined second financial institution is self-recorded. The method of claim 1, And the virtual account number is associated with a real account opened in the affiliated institution to the user and opened in the affiliated institution for settlement of a financial transaction made through the virtual account. An affiliated institution system provided to an affiliated institution, which is a second financial institution that provides a service through an affiliated card provided by a credit card company for providing a credit card service to a user, Receiving means for receiving a request for issuing a virtual account number of the user to be recorded in track 3 of the magnetic code of the affiliated card; Processing means for issuing the virtual account number and associating the virtual account number with a real account opened to the user; And And a transmission means for transmitting the virtual account number. An affiliate card providing system that integrates a credit card service provided by a credit card company and an affiliate service provided by an affiliate institution that is a second financial institution into a single affiliate card and provides the user to the affiliate card. Card recognition means for recognizing the magnetic code of the affiliated card, Input means for processing the input information input by the user for the request of the service, Transmission for transmitting the card information and the input information recognized by the card recognition means Means, a receiving means for receiving the processing result of the card information and the input information, a display means for displaying the processing result received by the receiving means and a control means; Receiving means for receiving the card information and the input information from the terminal and receiving the processing result from a credit card company system provided in the credit card company or an affiliated agency system provided in the affiliated institution, the credit card system or the affiliated service; A relay system having a relay server for transmitting the card information and the input information to an engine system and having a transmission means for transmitting the processing result to the terminal; Receiving means for receiving the card information and the input information from the relay server, processing means for determining the availability of the service through the card information and the input information to calculate the processing result and transmitting the processing result A credit card company system including a credit card company server having a transmission means and a member information database for storing and managing information on services available to the user and usage of each service; And Receiving means for receiving the card information and the input information from the relay server, processing means for determining the availability of the service through the card information and the input information to calculate the processing result and transmitting the processing result Affiliation agency server having a transmission means and the virtual account number of the user, the actual account information of the user associated with the virtual account number, the service available to the user through the virtual account and the utilization of each service An affiliated card providing system comprising an affiliated agency system including a member information database for storing and managing information. The method of claim 4, wherein The card information received by the receiving means of the credit card company system includes information recorded on track 1 and track 2 of the magnetic code, And the card information received by the receiving means of the affiliated institution system includes information recorded on track 1 and track 3 of the magnetic code. A method of providing an affiliate card that integrates a credit card service provided by a credit card company and an affiliate service provided by an affiliated institution, a second financial institution, into a single affiliate card, An issuing request step of receiving a request for issuing a virtual account number of the user to be recorded in track 3 of the magnetic code of the affiliate card; A registration step of issuing and registering the virtual account number; And And a transmitting step of transmitting the virtual account number. The method of claim 6 wherein the registration step, And an account linking step of associating the virtual account number with a real account of the user opened in the affiliated institution.