KR20100057166A - System and method for management of charging/using card by using step and recording medium - Google Patents

Abstract

PURPOSE: A charge/use card operation method, a system thereof and a recording medium for the same for supplying charge settlement/financial transaction are provided to use charge amount by charging the card if children possess the card. CONSTITUTION: If a transaction through the use card of charge/use cards is requested, an information confirming unit(1355) deciphers the card information included in the approval request message requesting the transactions. The verifying information unit confirms the first or the second or the third use card information which is the card information. A validity confirming unit(1360) confirms the use card validity according to each transaction type. A transaction approval processing unit(1363) recognizes the transactions corresponding to the recognition request.

Description

System and Method for Management of Charging / Using Card by Using Step and Recording Medium}

1 is a diagram illustrating a configuration of a charge / use card operating system for each use step according to an embodiment of the present invention.

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

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

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

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

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

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

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

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

10 is a view illustrating a process of confirming a name of a charge / use card according to an exemplary embodiment of the present invention.

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

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

13 is a diagram showing a configuration of a charge / use card transaction system according to the first embodiment of the present invention.

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

15 is a diagram illustrating a transaction processing process of a card issuing company server according to the first embodiment of the present invention.

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

FIG. 17 is a diagram illustrating a domestic card method purchase process for a use card transaction of a charge / use card according to the first embodiment of the present invention.

18 is a diagram illustrating a configuration of a charge / use card transaction system according to a second embodiment of the present invention.

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

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

FIG. 21 is a diagram illustrating a domestic card method purchase process for a use card transaction of a charge / use card according to a second embodiment of the present invention.

FIG. 22 is a diagram illustrating a configuration of a ticket purchaser affiliate recharge / use card transaction system according to a third embodiment of the present invention.

FIG. 23 is a diagram illustrating a transaction request process between an affiliated store terminal and a bansa server according to a third embodiment of the present invention.

24 is a diagram illustrating a transaction processing process of the slip purchase company server according to the third embodiment of the present invention.

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

FIG. 26 is a diagram illustrating a domestic card type purchase process for a use card transaction of a charge / use card associated with a purchase agent according to a third embodiment of the present invention.

27 is a diagram showing the configuration of the card brand alliance charge / use card transaction system according to a fourth embodiment of the present invention.

FIG. 28 is a diagram illustrating a transaction request process between an affiliated store terminal and a bansa server according to a fourth embodiment of the present invention.

29 is a diagram illustrating a transaction processing process of the slip purchase company server according to the fourth embodiment of the present invention.

30 is a diagram illustrating a transaction approval request process of a card brand according to a fourth embodiment of the present invention.

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

32 is a diagram illustrating an overseas card type purchase process for a use card transaction of a charge / use card associated with a card brand according to the fourth embodiment of the present invention.

FIG. 33 is a diagram illustrating a domestic card method purchase process for a use card transaction of a charge / use card associated with a card brand according to the fourth 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: document purchase company server 135: card brand company server

140: merchant terminal 145: client terminal

150: charging terminal

The present invention is a card issuer that issued a charge / use card made in connection with at least one payment / financial transaction use card and a charge card for charging the payment amount for payment / financial transaction approval for the use card A method of operating a charge / use card, wherein the charge card information corresponding to the charge card of the charge / use card and the charge amount charged through the charge card can be used at a merchant of the card issuer. And storing the charge amount in a storage medium in association with second use card information usable at a domestic merchant and the third use card information usable at a foreign merchant, and recharging the charge card and the first use card. Deactivating the use function of the second and third use cards, and charging the charge card when the charge amount is charged through the charge card. Activating the usage function of the first, second and third use cards using the amount charged through the charge card, and upon requesting a transaction through the use card of the charge / use card, Read the card information included in the authorization request text requesting a transaction to confirm the first, second or third use card information matching the card information, the transaction type for the authorization request text-card issuer merchant transaction, A step of checking a domestic transaction and an overseas transaction, and comparing the use card information and the transaction type to confirm the validity of the use card for each transaction type, and upon checking the validity of the use card for each transaction type, A method of operating a charge / use card for each use stage comprising the step of approving a transaction corresponding to the pre-authorization request through a charge amount charged through a charge card. The.

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

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

In addition, in the card payment system, if the foreign card payment approval process (except for a professional conversion process), the merchant terminal reads the card information from the card presented by the customer, the authorization request including the card information and transaction amount information When the full text is generated and transmitted to the bansa server, the bansa server reads the BIN of the card information included in the approval request full text to confirm that the card information is not a card issued by a domestic card company, and the approval request full text is sent 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, the charge / use made in connection with at least one payment / financial transaction use card and a charge card for charging the payment amount for payment / financial transaction approval for the use card In the system that operates the charge / use card at the card issuer that issued the card, the charge card information corresponding to the charge card of the charge / use card and the charge amount charged through the charge card are displayed. Storing the first use card information usable at the affiliate store, the second use card information usable at the domestic affiliate store, and the third use card information usable at the overseas affiliate store, in a storage medium, Information storage means for deactivating the charging function of the charging card and the using function of the first, second and third use cards; Charge / use card charging means for activating the charging function of the charging card and activating the use function of the first, second and third use card using the amount charged through the charging card when charging the charge amount through And, when requesting a transaction through the use card of the charge / use card, by reading the card information included in the authorization request message requesting the transaction to confirm the first, second or third use card information matching the card information And verifying the validity of the use card for each transaction type by comparing the transaction type-card issuer affiliated transaction, domestic transaction, overseas transaction-for the authorization request text, and comparing the use card information with the transaction type. When checking the validity of the means and the use card for each transaction type, through the charge amount charged through the charge card of the charge / use card to the full text of the authorization request May use the step-by-step charge / A card operating system including a transaction authorization processing means in response to a transaction approval to provide.

Recharge / use card operating method for each use step according to the present invention is made by linking a charge card for recharging a charge amount for payment / financial transaction approval for one or more payment / financial transactions with the use card. In the method of operating the charge / use card in the card issuer that issued the charge / use card, the charge card information corresponding to the charge card of the charge / use card and the charge amount charged through the charge card The first use card information that can be used at the merchant of the card issuer, the second use card information that can be used at the domestic merchants for the recharge amount, and the third use card information that can be used at the foreign merchants can be used for the storage medium. Storing and deactivating the charging function of the charging card and the using functions of the first, second, and third use cards; Activating a charging function of the charging card, activating a use function of the first, second and third use cards using the amount charged through the charging card, and charging / using When a transaction request is made through a use card of a card, the card information included in the authorization request text requesting the transaction is read to confirm first, second or third use card information matching the card information, and the authorization request message is read. Checking a transaction type for the card issuer, a merchant transaction, a domestic transaction, and an overseas transaction; and checking the validity of the use card for each transaction type by comparing the transaction card information with the transaction type, and using the transaction type. When the card is validated, approving the transaction corresponding to the full text of the authorization request through the charge amount charged through the charge card of the charge / use card. It is characterized by being carried.

Further, incentive information for each use card (or transaction type) corresponding to the first use card (fee discount, coupon offer), incentive information for use card (or transaction type) corresponding to the second use card, and third use And storing incentive information for each use card (or transaction type) corresponding to the card in a storage medium in association with the first, second, and third use card information.

The first, second, and third usage card information and producer for the available amount information (or use amount ratio information) for each of the first, second, and third use cards for the charged amount charged through the charging card. And storing in a storage medium in association with each other.

In addition, when checking the use card information matching the card information, checking whether the use function of the use card information matching the card information is activated in association with the storage medium and the use function in conjunction with the storage medium The method may further include checking charging card information associated with activated use card information and charging amount information charged through the charging card.

In addition, when the available amount information (or use amount ratio information) for each use card is further stored in the storage medium, the use amount information (or use amount ratio) for each use card associated with the use card information in association with the storage medium. Information) is further included.

In addition, when the transaction is approved, confirming incentive information for each use card (or transaction type) corresponding to the use card information corresponding to the transaction approval and incentive for each use card (or transaction type) in association with the storage medium. It characterized in that it further comprises the step of processing to be provided (or applied to the use card) to the transaction approval.

The method may further include generating slip purchase information on the amount of money authorized through the first, second and third use cards of the charge / use card, and using the first, second and third use through the slip purchase information. The method further includes the step of acquiring a transaction type document for the approved amount of money through the card and the integrated transaction of the purchased transaction type document into the document for the charge / use card.

According to the present invention, the charge / use card may include a first terminal, a second use card, and a third charge card, and a charge card for charging a payment amount for payment / financial transaction approval for the use card is a separate terminal medium or card. Recharge / use detachable card provided in the medium, or one of the first, second and third use card, and a charge card for charging the payment amount for payment / financial transaction approval for the use card Characterized in that it comprises any one of the charge / use integrated card provided in the terminal medium or the card medium.

The present invention includes a computer-readable recording medium characterized by recording a program for executing the above-described charging / use card operating method for each use step.

Recharge / use card operating system for each use step according to the present invention comprises one or more payment / finance transaction use cards and a charge card for charging a payment amount for payment / finance transaction approval for the use card. A system for operating the charge / use card in a card issuer that issues a charge / use card, wherein the charge card information corresponding to the charge card of the charge / use card and the charge amount charged through the charge card are recalled. The first use card information that can be used at the merchants of the card issuer, the second use card information that can be used at domestic merchants, and the third use card information that can be used at overseas merchants, are stored in a storage medium. Information storage means for storing and deactivating the charging function of the charge card and the use functions of the first, second, and third use cards; Charging / use of activating the charging function of the charging card and activating the using function of the first, second and third use cards using the amount charged through the charging card when charging the charged amount through the previous charging card. When a transaction request is made through a card charging means and a use card of the charge / use card, a first, second, or third use card matching the card information by reading card information included in the full text of the authorization request requesting the transaction. Information checking means for confirming the information and confirming the transaction type-card issuer affiliated transaction, domestic transaction, foreign transaction-for the full text of the authorization request, and comparing the use card information and transaction type, the validity of the use card for each transaction type Validation means for confirming, and when confirming the validity of the use card for each transaction type, through the charge amount charged through the charge card of the charge / use card through the approval request Including the transaction authorization processing means authorizing the transaction corresponding to the professional characterized in that formed.

According to the present invention, the information storage means, the incentive information for each use card (or transaction type) corresponding to the first use card-fee discount, mileage credit, offer coupon-and the use card corresponding to the second use card ( Or incentive information for each transaction type) and incentive information for a usage card (or transaction type) corresponding to the third usage card, and storing the information on the storage medium in association with the first, second, and third usage card information. do.

According to the present invention, the information storage means, the first, second and third use amount information (or use amount ratio information) for each of the charge amount charged through the charge card for the first, second And the second and third use card information in association with the producer to store in the storage medium.

According to the present invention, if the incentive information for each use card (or transaction type) is further stored in the storage medium, the information checking means uses a card corresponding to the use card information corresponding to the transaction approval in association with the storage medium. And incentive information for each transaction (or transaction type), wherein the transaction approval processing unit is configured to process the incentive for the use card (or transaction type) to be applied (or provided through the use card) to the transaction approval. It is characterized by.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. In addition, terms to be described below are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users and operators. Therefore, the definition should be made based on the contents throughout the present invention.

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

In addition, the following examples will be used to appropriately modify, integrate, or separate the terminology so that those skilled in the art to which the present invention pertains may clearly understand the present invention. The present invention is by no means limited thereto. 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 a combination 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 for each use step according to an embodiment of the present invention.

In more detail, Figure 1 is a charge / card made by connecting one or more payment / financial transaction use card, and a charge card for charging the payment / financial transaction approval charges for the use card through a separate card medium Either a detachable card or a charge / use integrated card having one or more payment / finance transaction cards and a charge card for charging the payment / finance transaction authorization for the use card on a single card medium. A first charge card that is made of a charge / use card that includes one and sold (or paid) to a customer, and that can be used in a merchant of a card issuer that operates one charge card and the charge / use card in the charge / use card. Usage card, a second use card which can use the said recharge amount at a domestic merchant, and a third use car which can use the said recharge amount at a foreign merchant After including one or more, if the customer charges a predetermined amount of charge through the charge / use card, payment through the charge amount through any one of the first, second and third use card of the use card Regarding the system configuration to provide financial transactions, those of ordinary skill in the art to which the present invention pertains, refer to and / or modify this drawing 1 to configure the charge / use card operating system for each use step. Various implementation methods (e.g., implementation methods in which some components are omitted, subdivided, or combined) may be inferred, but the present invention includes all implementation methods inferred from the above, and is shown in FIG. The technical features are not limited only by the implementation method.

Referring to FIG. 1, the charge / use card operating system for each use step is provided to a card issuer operating the charge / use card, and a card making server 105 for producing the charge / use card and the The customer who purchased (or received) the charge / use card purchases the charge / use card charging server 110 and the charge / use card to process a charge of a predetermined charge amount through the charge card of the charge / use card. Charging of the charge / use card through a name checking server 100 that checks the name of one (or paid) customer and one of the first, second, and third use cards of the charge / use card And a card issuer server 115 for processing payment / financial transactions using the amount charged through the card, and providing payment / financial transactions through the charge / use card. One merchant terminal 140 (or merchant server) and a Bansa server 125 further comprises, the type of the first, second and third use card (for example, merchant of the card issuer operating the charge / use card) In accordance with the use card used in, or a domestic transaction used card, or a card used in foreign transactions affiliated with the card brand) is characterized in that it further comprises a purchase company server 130 and the card brand company server (135). .

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 140, 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 affiliated store terminal 140 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 It is preferable to generate the full authorization request message including transaction information (eg, transaction amount information, merchant information (or charging / use card use target terminal information)) 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 terminal connected to the merchant terminal 140 provided in the merchant, x.25 based communication network, encryption / It is characterized by relaying the affiliated store terminal 140 and the specialized relay target server by connecting a communication channel with at least one specialized relay target server through a dedicated network including at least one decryption-based communication network.

According to an exemplary embodiment of the present invention, the bansa server 125 checks (or recognizes) a card corresponding to the card information included in the approval request text as a use card of a charge / use card operated by the card issuer. It is preferable to transmit the full text of the authorization request including the card information directly to the card issuer server 115.

According to another exemplary embodiment of the present invention, the bansa server 125 checks (or recognizes) a card corresponding to the card information included in the full text of the authorization request as a card issued by a card company (or a financial company) or a ticket purchase company. In addition, it is preferable to transmit the full text of the authorization request including the card information to the card company server (or the financial company server) or the purchase company server 130 that issued the card.

According to another exemplary embodiment of the present invention, the bansa server 125 checks (or recognizes) a card corresponding to the card information included in the authorization request text as an overseas card issued by an overseas card issuer, and It is preferable to transmit the full text of the request for approval including card information to the document purchase company server 130 which processes the document purchase business for the foreign card. In this case, the document purchase company server 130 is included in the approval request text. Read the card information to confirm the card brand corresponding to the card information, and transmits the full text of the approval request to the confirmed card brand company server 135, the card brand company server 135 is sent to the approval request text Read the included card information to identify the card issuer that issued the card corresponding to the card information, the card issuer server 115 to complete the authorization request Transfer it is preferable to.

The card production server 105 provided (or affiliated) with the card issuer may include one or more payment / financing use cards and a charge card for charging the payment / finance transaction approval for the use card. A separate charge / use detachable card or one or more payment / financial use cards for use in connection with a separate card medium, and a charge card for charging a payment amount for payment / finance transaction approval for the use card. A generic term for a device (or server) that manufactures a charge / use card including any one of the charge / use integrated cards included in a card medium, provided to the card issuer, or to a card maker affiliated with the card issuer. Characterized in that it is provided.

According to an embodiment of the present invention, the card making server 105 is a charge / use card produced, one charge card, the first use card and the N-use card using the amount charged through the charge card It is preferable to comprise a.

The charge / use card charging server 110 provided at the card issuer is charged / used through the charging terminal 150 provided at the charge / use card retailer (or affiliated store) or the client terminal 145 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 amount charged through the card is managed by the card issuer.

The name confirmation server 100 provided in the card issuer is a client terminal used by the customer after the charge / use card is sold (or paid) to the customer through the charge / use card retailer (or affiliated store). 145) is a generic term for a server (or device) that receives (or confirms) name information about a customer who has purchased (or received) the charge / use card and processes it as the name information of the charge / use card. Characterized in that the card issuing company that operates the charge / use card.

The card issuer server 115 provided at the card issuer may charge an amount charged through a charge card of a charge / use card sold (or paid) to the customer through the charge / use card charge server 110. Operating the payment / financing transaction through the recharge amount, which is requested through any one of the first, second and third use cards of the recharge / use card of the recharge / use card. A generic term for the server (or device), characterized in that the card issuing company that operates the charge / use card.

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

In more detail, Figure 2 is a charge / charge card made by linking one or more payment / financial transaction use card, and a charge card for charging the payment / financial transaction approval charge amount for the use card through a separate card medium Either a detachable card or a charge / use integrated card having one or more payment / finance transaction cards and a charge card for charging the payment / finance transaction authorization for the use card on a single card medium. Produces a charge / use card including one, wherein the charge / use card has one charge card, a first use card usable at a merchant of a card issuer operating the charge / use card, and the charge amount in Korea A second use card that can be used at a merchant and one or more third use cards that can be used at an overseas merchant Charge card information corresponding to the charge card of the charge / use card, first charge card information available at the merchant of the card issuer, and charge amount charged through the charge card; and the charge amount used at the domestic merchant Possible second use card information and the charge amount stored in the storage medium 250 in association with the third use card information available at an overseas merchant, and the charging function of the charge card and the first, second and third use After deactivating the use function of the card, showing a charge / use card manufacturing system for delivering the card pack containing the charge / use card to each charge / use card retailer, the general knowledge in the art If the person having the present invention will be able to infer various implementation methods for the charge / use card manufacturing system configuration by referring to and / or modifying the drawing 2. I, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 2.

Hereinafter, in the charging / use card manufacturing system shown in FIG. On a single card medium, there is a charge / use detachable card or one or more payment / finance transaction cards that are linked through a medium, and a charge card that charges the payment amount for payment / finance transaction approval for the use card. One or more means for making a charge / use card including any one of the charge / use integrated cards and / or components corresponding to the functional configuration are referred to as " card making server 105 " for convenience.

Referring to this Figure 2 according to the embodiment of the present invention, the charge / use card production system, the employee terminal 260 used by the card issuing staff of the card issuer operating the charge / use card, and through the communication network Connected to the employee terminal 260 is made by connecting one or more payment card / credit card for use in payments, and charge card for charging the payment amount / payment transaction approval for the use card through a separate card medium A charge / use integrated card having a charge / use detachable card or a use card for one or more payment / financial transactions and a charge card for charging the payment / finance transaction authorization for the use card on a single card medium. It characterized in that it comprises a card making server 105 for producing a charge / use card containing any one of.

The employee terminal 260 preferably comprises a terminal device used by the card issuer provided in the card issuer operating the charge / use card, card production server connected to the employee terminal 260 ( 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 260 and the card production server 105 The communication network connecting the employee terminal 260 and the card production server 105 preferably comprises a communication network for connecting the communication channel.

The card production server 105 charges one or more payment / financial transaction use cards and a charge card for charging a payment amount for payment / finance transaction approval for the use card through a separate card medium. A charge / use integrated card having a detachable card or a use card for one or more payment / financial transactions and a charge card for charging the payment / finance transaction approval for the use card on a single card medium. A generic term for the card issuer system-side components that are connected through the communication network with the employee terminal 260 to produce a charge / use card comprising any one, including at least one server (or device), or And / or at least one program recorded on a recording medium provided in a predetermined server (or device), The present invention is not limited by this.

According to the 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 260 through the communication network. It features.

The interface unit 200 connects a predetermined communication channel with the employee terminal 260 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 260. It is desirable to provide a communication interface for transmitting and receiving at least one or more information (or data).

Referring to FIG. 2, the card making server 105 interoperates with the interface unit 200 to input (or select) predetermined card making information from the employee terminal 260 and transmit the predetermined user interface. An interface providing unit 205 (or interface providing means) for generating (or extracting) and providing the same to the employee terminal 260 and the user interface in the employee terminal 260 in association with the interface unit 200. The information receiving unit 210 (or information receiving means) for receiving predetermined card making information to be input (or selected) through the transmission and the charge amount charged through the charging card based on the received card making information The first use card information that can be used at the merchants of the card issuer, the second use card information that can be used at the domestic merchants, and the charge amount to the overseas merchants. An information generation unit 215 (or information generating means) for generating usable third use card information and recharge card information for charging a payment amount for payment / financing transaction approval for the use card; Through the device 245, to produce the charge / use detachable card by recording the use card information and the charge card information of one or more of the first, second and third use card to a separate terminal medium or card medium, or A card making unit 220 (card making means) for recording the first, second and third use card information and the charging card information on a single terminal medium or a card medium to produce a charge / use integrated card; Recharge card information included in the use card and the charge amount charged through the charge card, the first use card information that can be used at the merchant of the card issuer, and the charge amount at the domestic merchant The second use card information available and the charge amount is stored in the storage medium 250 in association with the third use card information available at an overseas merchant, and the charging function of the charge card and the first, second and third Information storage unit 235 (or information storage means) to deactivate the use function of the use card, and set the charge amount information through the charge card to '0' to store in the storage medium 250 in association with the charge card information And a first, second, and third use card and a charge card produced by the card manufacturing unit 220 in one charge / use card pack. It further comprises a card delivery unit 240 (or card delivery means) for processing the delivery to the use card retailer (or merchant) or the customer who applied for the charge / use card.

The interface providing unit 205, when the employee terminal 260 is connected to the card production server 105 through the interface unit 200, the card corresponding to the functional configuration provided in the employee terminal 260 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). It is characterized in that it provides the user interface generated (or extracted) to the employee terminal 260 through the communication network in conjunction with the 200.

Thereafter, the employee terminal 260 inputs (or selects) the card making information based on the user interface and sends the input (or selected) card making information to the card making server 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 260 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 260.

The information receiving unit 210 inputs (or selects) predetermined card making information through the user interface in the employee terminal 260 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 may be associated with BIN information set to be assigned to the first, second and third use cards of the charge / use card and the bank identification number (BIN) information. It is preferable that the serial number area information of the first, second and third used card numbers, the charge card number system information, and the serial number area information of the charge card number are included.

The BIN information is BIN information of a card number assigned to the first, second and third use cards belonging to the charge / use card. The BIN information includes BIN information for domestic use or BIN information associated with a card brand company. It is preferable to comprise as mentioned above.

The serial number area information of the use card number is a card to be allocated to the use card in association with BIN information associated with the allocation of the first, second and third use cards among the BIN information assigned to the card issuer. It is preferable to include the number which sets a serial number area | region among the numbers.

According to an embodiment of the present invention, when the customer wireless terminal is registered with any one of the first, second and third use cards of the charge / use card, the use card number preferably includes the customer wireless terminal number. In this case, it is preferable that the BIN information included in the card production information and the serial number area information of the use card number are processed as blanks.

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

The serial number area information of the charging card number includes information for setting a serial number area among card numbers to be assigned to the charging card corresponding to the charging card number system, and the serial number of the charging card number is It is preferable to match one-to-one with the serial number of the use card number.

According to the method of the present invention, when the card production information includes two or more use card BIN information and serial number area information of the use card number, the card production information can be used for each use card for two or more use cards. It is preferable that the amount information (or use amount ratio information) is further included, but if the available amount information (or use amount ratio information) for each use card is automatically set according to the charge / use card operation policy of the card issuer, Alternatively, when setting the entire amount of money charged through the charge card for each use card as the use card limit, the use amount information (or use amount ratio information) for each use card may be omitted.

The information generating unit 215 is configured to assign BIN information and a series of BIN information set to the first, second and third use cards of the charge / use card based on the card making information received through the information receiving unit 210. A credit card number including a number, a credit card expiration date, a CVC / CVV value, a credit card attribute code (e.g., payment attribute, financial transaction attribute), and credit card activation / inactivity information. A charge card number including a serial number of any one of the serial number areas of the charge card number, a charge card expiration date, and a charge attribute code (e.g., one charge attribute, repetition) corresponding to the charge card number system; And charging card information including one or more charging attributes, charging channel attributes corresponding to each charging scheme), and charging card activation / deactivation information.

Here, it is preferable that the generated use card numbers of the first, second and third use card information and the charge card numbers of the charge card information are matched with each other, and when the charge card includes one charge attribute, The charge card validity period may be omitted, and when the charge card includes a repeating charging attribute, the use card validity period and the charge card validity period preferably include the same period.

According to an embodiment of the present invention, when the charge / use card is a charge / use removable card for recording the charge card information and the first, second, and third use card information on a separate terminal medium or card medium, the The first, second and third use card information is recorded in an MS (Magnetic Stripe) card or an IC (Integrated Circuit) card, and the charge card information is recorded in an MS card or IC card different from the use card. In this case, it is preferable that the first, second and third use card information and the charge card information are generated including a card information structure to be recorded on the MS card or the IC card.

According to another embodiment of the present invention, the charge / use card records the charge card information and the first, second, and third use card information in one terminal medium or card medium, or the first, second, and the like. Any one of the third use card information and the charge card information and the charge card information is recorded on one terminal medium or a card medium is a charge / use integrated card, and the first, second and third use card information (or the first If the single card medium on which any one of the first, second and third use card information) and the charge card information are recorded is the MS card, the use card information is recorded in track 2 of the MS, and the charge card The 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 the charge card information is card information to be recorded in the track 3. It is preferred to include the structure to be produced.

Alternatively, the charge / use card records the charge card information and the first, second, and third use card information in one terminal medium or card medium, or any of the first, second, and third use card information. It is a charge / use integrated card in which one use card information and charge card information are recorded in one terminal medium or a card medium, and the first, second and third use card information (or the first, second and third cards). When the single card medium in which any one of the use card information) and the charge card information are recorded is a mixed card in which the MS and the IC are provided in one card medium, the use card information is recorded in the IC chip. The charge card information is preferably recorded in the MS of a single card medium provided with the IC chip. In this case, the use card information is a card information structure (for example, a COS (Chip Operating System) on the IC chip) to be recorded in the IC chip. Can be operated via Is produced, including the file structure), the charge card information is preferably generated by including a card information structure (e.g., track-specific information structure) is written in the MS.

Alternatively, the charge / use card records the charge card information and the first, second, and third use card information in one terminal medium or card medium, or any of the first, second, and third use card information. It is a charge / use integrated card in which one use card information and charge card information are recorded in one terminal medium or a card medium, and the first, second and third use card information (or the first, second and third cards). When the single card medium in which any one of the use card information) and the charge card information are recorded is a mixed card in which the MS and the IC are provided in one card medium, the use card information is recorded in the MS and the charging The 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 generated including a card information structure (for example, a track-specific information structure) to be recorded in the MS, The filling Card information is preferably generated, including (operable file structure through a COS on e.g., IC chip) to be written to the IC chip card information structure.

Alternatively, the charge / use card records the charge card information and the first, second, and third use card information in one terminal medium or card medium, or any of the first, second, and third use card information. It is a charge / use integrated card in which one use card information and charge card information are recorded in one terminal medium or a card medium, and the first, second and third use card information (or the first, second and third cards). When the single card medium on which any one of the use card information) and the charge card information are recorded is the IC card, the use card information is recorded in the use card area on the IC chip, and the charge card information is stored in the IC chip. The card information is preferably recorded in the charge card area on the IC chip. In this case, the use card information is generated including a card information structure to be recorded in the use card area on the IC chip, and the charge card information is charged on the IC chip. Is preferably generated, including a card information structure will be recorded on the card area.

According to another embodiment of the present invention, the charge / use card records the charge card information and the first, second, and third use card information in one terminal medium or a card medium, or the first and second cards. And when the one-use card information and the charge-card information of the third use card information are a charge / use integrated card recorded on one terminal medium or a card medium, the first, second and third use card information and the charge. The card information may be recorded on the IC chip (or MS) including the same card number. In this case, the first, second and third use card information and the charge card information may be generated including the same card number. desirable.

According to the embodiment of the present invention, it is preferable that any one of the first, second and third use cards of the charge / use card is set as a customer wireless terminal.

A first use card information that can be used to charge the charge amount charged through the charge card through the information generation unit 215 at the affiliate of the card issuer, a second use card information that can be used by the merchant to charge the charge amount; When the third use card information and the charge card information that can use the charge amount in the overseas merchants are generated, the card production unit 220 charges one or more production target use card information among the first, second and third use cards. By providing the card information to the card making apparatus 245, the use card and the charge card recording the production target use card information and the charge card information of one or more of the first, second and third use cards are recorded on one or more card media. Characterized in that to produce the charge / use card, if any one of the first, second and third use card is set as a customer wireless terminal, A card is set to a client-based wireless terminal is no need not be produced via the card making device (245).

According to an embodiment of the present invention, when the charge / use card is a charge / use removable card for recording the charge card information and the first, second, and third use card information on a separate terminal medium or card medium, the The card production unit 220 records the first, second and third use card information and the charge card information on different terminal media or card media through the card production apparatus 245 to configure the charge / use separation card. It is preferable to produce a first, second and third use card and a charge card, and when any one of the first, second and third use card is set as a customer wireless terminal, it is set as the customer wireless terminal. The use card may be omitted, but it is desirable that the customer wireless terminal is registered as the use card of the charge / use card in connection with the initial charge (or name confirmation) of the charge / use card. It is.

According to another embodiment of the present invention, when the charge / use card is a charge / use integrated card for recording the charge card information and the first, second, and third use card information in one terminal medium or card medium, The card manufacturing unit 220 and the first, second and third usage card information (or any one of the first, second and third usage card information) and the card production apparatus 245 and the like. It is preferable to produce the first, second and third use cards and the charge card constituting the charge / use integrated card by recording the charge card information on a single terminal medium or a card medium.

A first use card information that can be used to charge the charge amount charged through the charge card through the information generation unit 215 at the affiliate of the card issuer, a second use card information that can be used by the merchant to charge the charge amount; When the third use card information and the charge card information that can use the charge amount in the foreign merchants are generated, the information storage unit 235 is charged through the charge card information included in the charge / use card and the charge card The amount of the first use card information that can be used at the merchants of the card issuer, the amount of the second use card that can be used at domestic merchants, and the amount of the third use card information that can be used at overseas merchants, Store in the storage medium 250, but deactivates the charging function and the use function of the first, second and third use card of the charging card, Subject to set the charge amount information to "0" through in conjunction with the charge card information is characterized in that stored in the storage medium 250.

When a charge / use card including the first, second, and third use cards and a charge card is produced through the card maker 220, the card delivery unit 240 is produced by the card maker 220. By providing the charge / use card pack information including the use card and the charge card of one or more of the first, second and third use card in one card pack to the card delivery management server 255, The charge / use card retailer (or merchant) to the customer who applied for the charge / use card, the charge / use card packs characterized in that the delivery process, and then the charge / use card store (or merchant) is the charge / use card Sell (or pay) used card packs.

Referring to FIG. 2, the card production server 105 may use available amount information (or use amount ratio information) for each use card to use the amount charged by the first, second and third use cards through the charge card. It is characterized in that it comprises a use card limit check unit 225 (or use card limit check means) to check, the information storage unit 235 is stored in the storage medium 250 to the charge / use card When storing the stored charge card information in association with the first, second and third use card information, the first, second and third use card information and available amount information for each use card (or use amount ratio information) ) Is stored in the storage medium 250 in association with each other.

According to an exemplary embodiment of the present invention, when the card production information further includes usable amount information (or use amount ratio information) for each use card, the use card limit checking unit 225 may be configured to read the card production information from the card production information. Characterized in the amount of available information (or use amount ratio information) for each use card for the first, second and third use card.

According to another exemplary embodiment of the present invention, when the available amount information (or use amount ratio information) for each use card is automatically set according to the charge / use card operation policy of the card issuer, the use card limit checking unit 225 According to the charge / use card operating policy of the card issuer is characterized in that the use amount information (or use amount ratio information) for each use card for the first, second and third use card.

According to another exemplary embodiment of the present invention, when the entire amount of money charged through the charging card is set to each use card limit for each use card, the use card limit checking unit 225 may perform the first and second operations. And use amount information (or use amount ratio information) for each use card for the third use card as the entire amount of money charged through the charge card, and can be used for each use card according to the intention of those skilled in the art. Checking the amount of money information (or the amount of use ratio) may be omitted.

According to an embodiment of the present invention, the amount of money available for each use card may include a limit amount for each of the first, second and third use cards regardless of the amount (or balance) charged through the charge card. It is preferable to make.

For example, when the available amount of the first use card is 1 million won and the available amount of the second use card is 1 million won, if the amount (or balance) charged through the recharge card is 3 million won, The first use card can be used up to one million won of the recharge amount, and the second use card can be used up to one million won of the recharge amount.

Alternatively, when the amount of money available in the first use card is 1 million won and the amount of money available in the second use card is 1 million won, if the amount (or balance) charged through the charge card is 500,000 won, the first amount The use card can be used up to 500,000 won (or the balance) of the charge amount, and the second use card can also be used up to 500,000 won.

According to an embodiment of the present invention, the use amount ratio information for each use card determines the limit amount for each of the first, second and third use cards based on the amount (or balance) charged through the charge card. It is preferable to include the charge amount ratio information.

For example, when the amount of the use amount of the first use card is 30% and the amount of the use amount of the second use card is 40%, if the amount (or the balance) charged through the charge card is 3 million won, The first use card can be used up to 900,000 won of the recharge amount, and the second use card can be used up to 1.2 million won of the recharge amount.

When the use amount information (or use amount ratio information) per use card for the first, second and third use cards is confirmed by the use card limit checking unit 225, the information storage unit 235 The first, second and third use card information and the first, second and third use card information stored in the storage medium 250 in association with the charge card information included in the charge / use card and the first, second and third use card information The use amount information (or use amount ratio information) for each use card may be stored in the storage medium 250 in association with each other.

Referring to FIG. 2, the card making server 105 may use (or apply to, the first, second, and third use cards) through the first, second, and third use cards (or And an incentive confirmation unit 230 (or use card limit checking means) for checking incentive information for each transaction type), and the information storage unit 235 fills the storage medium 250 with the charge / In case of storing the charge card information included in the use card and the first, second and third use card information in connection, the first, second and third use card information and incentive information for each use card (or transaction type) It is characterized by storing in the storage medium 250 in conjunction with.

When one or more affiliate companies corresponding to the first, second and third use cards exist, the incentive checker 230 may be configured to provide the first, second, and third use cards at the affiliates corresponding to the first, second, and third use cards, respectively. To identify incentive information (eg, fee discount incentive information, mileage incentive information, coupon discount incentive information, etc.) to be provided to (or applied to, the first, second and third use cards) to the second and third use cards. It is characterized by.

Alternatively, the incentive checker 230 is provided to the first, second and third use card from the card issuer according to the incentive policy of the card issuer (or to the first, second and third use card). Application) to check the incentive information (for example, fee discount incentive information, mileage incentive information, coupon discount incentive information, etc.) to be applied.

When incentive information to be provided (or applied to the first, second and third use cards) to the first, second and third use cards is confirmed by the incentive checker 230, the information storage unit ( 235 is the first, second and third use card when storing the storage card 250 in association with the charge card information included in the charge / use card and the first, second and third use card information The information is stored in the storage medium 250 in association with incentive information for each use card (or transaction type).

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

In more detail, Figure 3 is the charge / use card production system shown in Figure 2 charges for one or more payment / financial transaction use card, and the payment amount for payment / financial transaction approval for the use card A single card medium is provided with a charge / use detachable card or one or more payment / financing use cards made in association with a card, and a charge card for charging a payment amount for payment / finance transaction approval for the use card. A charge / use card that includes any one of the charge / use integrated cards, wherein one charge card is used for the charge / use card, and a first use card that can be used at a merchant of a card issuer that operates the charge / use card. And a second use card which can use the recharge amount at a domestic merchant, and a third use card which can use the recharge amount at a foreign merchant. Charge card information corresponding to the charge card of the charge / use card, including one or more, and the first use card information that can be used at the merchant of the card issuer, the charge amount charged through the charge card, and the charge The amount is stored in the storage medium 250 in association with the second use card information that can be used at domestic merchants and the third use card information that can be used at foreign merchants, and the charging function and the first, After deactivating the use function of the second and third use cards, a process of delivering a card pack including the charge / use card to each charge / use card retailer, which is common in the art. Those skilled in the art may refer to and / or modify this drawing 3 to infer various implementation methods for the charging / using card manufacturing process. The present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

For example, in the process of manufacturing a charge / use card shown in FIG. 3, the charge card information and the first, second and third use card information are stored in the storage medium 250 in association with each other. And storing the amount of usage information (or use amount ratio information) for each of the third use cards in association with each other, and storing in association with incentive information for each use card (or transaction type). Although the present invention is not limited thereto, the process of storing the usable amount information (or use amount ratio information) and the process of storing incentive information for each use card (or transaction type) are omitted or the order thereof is changed. It is apparent that the present invention is not limited thereto.

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 260 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 260 through the card production interface. The card manufacturing information input (or selected) is received (300).

According to an embodiment of the present invention, the card production information may be associated with BIN information set to be assigned to the first, second and third use cards of the charge / use card and the bank identification number (BIN) information. It is preferable that the serial number area information of the first, second and third used card numbers, the charge card number system information, and the serial number area information of the charge card number are included.

The BIN information is BIN information of a card number assigned to the first, second and third use cards belonging to the charge / use card. The BIN information includes BIN information for domestic use or BIN information associated with a card brand company. It is preferable to comprise as mentioned above.

The serial number area information of the use card number is a card to be allocated to the use card in association with BIN information associated with the allocation of the first, second and third use cards among the BIN information assigned to the card issuer. It is preferable to include the number which sets a serial number area | region among the numbers.

According to an embodiment of the present invention, when the customer wireless terminal is registered with any one of the first, second and third use cards of the charge / use card, the use card number preferably includes the customer wireless terminal number. In this case, it is preferable that the BIN information included in the card production information and the serial number area information of the use card number are processed as blanks.

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

The serial number area information of the charging card number includes information for setting a serial number area among card numbers to be assigned to the charging card corresponding to the charging card number system, and the serial number of the charging card number is It is preferable to match one-to-one with the serial number of the use card number.

According to the method of the present invention, when the card production information includes two or more use card BIN information and serial number area information of the use card number, the card production information can be used for each use card for two or more use cards. It is preferable that the amount information (or use amount ratio information) is further included, but if the available amount information (or use amount ratio information) for each use card is automatically set according to the charge / use card operation policy of the card issuer, Alternatively, when setting the entire amount of money charged through the charge card for each use card as the use card limit, the use amount information (or use amount ratio information) for each use card may be omitted.

Thereafter, the server uses the usage card number including the BIN information and serial number set to be assigned to the first, second and third usage cards of the charge / use card based on the received card making information. Generate use card information including at least one of an expiration date, a CVC / CVV value, a use card attribute code (e.g., a payment attribute, a financial transaction attribute), and use card activation / deactivation information; A charging card number including any serial number of the serial number area of the charging card number, a charging card expiration date, a charging attribute code (for example, one charging attribute, a repeating charging attribute, and a charging channel corresponding to each charging method). Attributes) and charge card information including one or more charge card activation / deactivation information (305).

Here, it is preferable that the generated use card numbers of the first, second and third use card information and the charge card numbers of the charge card information are matched with each other, and when the charge card includes one charge attribute, The charge card validity period may be omitted, and when the charge card includes a repeating charging attribute, the use card validity period and the charge card validity period preferably include the same period.

According to an embodiment of the present invention, when the charge / use card is a charge / use removable card for recording the charge card information and the first, second, and third use card information on a separate terminal medium or card medium, the The first, second and third use card information is recorded in an MS (Magnetic Stripe) card or an IC (Integrated Circuit) card, and the charge card information is recorded in an MS card or IC card different from the use card. In this case, it is preferable that the first, second and third use card information and the charge card information are generated including a card information structure to be recorded on the MS card or the IC card.

According to another embodiment of the present invention, the charge / use card records the charge card information and the first, second, and third use card information in one terminal medium or card medium, or the first, second, and the like. Any one of the third usage card information and the charge card information and the charge card information is recorded on one terminal medium or a card medium, the card is a charge / use integrated card, the first, second and third use card information (or the first If the single card medium on which any one of the first, second and third use card information) and the charge card information are recorded is the MS card, the use card information is recorded in track 2 of the MS, and the charge card The 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 the charge card information is card information to be recorded in the track 3. It is preferably generated, including the tank.

Alternatively, the charge / use card records the charge card information and the first, second, and third use card information in one terminal medium or card medium, or any of the first, second, and third use card information. It is a charge / use integrated card in which one use card information and charge card information are recorded in one terminal medium or a card medium, and the first, second and third use card information (or the first, second and first cards). (3) When the single card medium in which any one of the use card information) and the charge card information are recorded is a mixed card provided with the MS and the IC in one card medium, the use card information is recorded in the IC chip, Preferably, the charge card information is recorded in the MS of a single card medium provided with the IC chip. In this case, the use card information is a card information structure (e.g., a COS (Chip Operating System) on the IC chip). Can be operated via One file structure), and the charge card information is generated including a card information structure (e.g., a track-specific information structure) to be recorded in the MS.

Alternatively, the charge / use card records the charge card information and the first, second, and third use card information in one terminal medium or card medium, or any of the first, second, and third use card information. It is a charge / use integrated card in which one use card information and charge card information are recorded in one terminal medium or a card medium, and the first, second and third use card information (or the first, second and third cards). When the single card medium in which any one of the use card information) and the charge card information are recorded is a mixed card in which the MS and the IC are provided in one card medium, the use card information is recorded in the MS and the charging The 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 generated including a card information structure (for example, a track-specific information structure) to be recorded in the MS, The filling Card information is preferably generated, including (operable file structure through a COS on e.g., IC chip) to be written to the IC chip card information structure.

Alternatively, the charge / use card records the charge card information and the first, second, and third use card information in one terminal medium or card medium, or any of the first, second, and third use card information. It is a charge / use integrated card in which one use card information and charge card information are recorded in one terminal medium or a card medium, and the first, second and third use card information (or the first, second and third cards). When the single card medium on which any one of the use card information) and the charge card information are recorded is the IC card, the use card information is recorded in the use card area on the IC chip, and the charge card information is stored in the IC chip. The card information is preferably recorded in a charge card area on the IC chip. In this case, the use card information is generated including a card information structure to be recorded in the use card area on the IC chip, and the charge card information is charged on the IC chip. Is preferably generated, including a card information structure will be recorded on the card area.

According to another embodiment of the present invention, the charge / use card records the charge card information and the first, second, and third use card information in one terminal medium or a card medium, or the first and second cards. And when the one-use card information and the charge-card information of the third use card information are a charge / use integrated card recorded on one terminal medium or a card medium, the first, second and third use card information and the charge. The card information may be recorded on the IC chip (or MS) including the same card number. In this case, the first, second and third use card information and the charge card information may be generated including the same card number. It is preferable.

According to the embodiment of the present invention, it is preferable that any one of the first, second and third use cards of the charge / use card is set as a customer wireless terminal.

If the first, second and third use card information and the charge card information are generated (310), the server uses the production target use card information and charge card information of at least one of the first, second and third use cards. By providing to the card making apparatus 245, the production target use card information and the charging card information of one or more of the first, second and third use card is recorded on a separate (or one) terminal medium or card medium and the A charge / use card is produced (315).

According to an embodiment of the present invention, when the charge / use card is a charge / use removable card for recording the charge card information and the first, second, and third use card information on a separate terminal medium or card medium, the The card production unit 220 records the first, second and third use card information and the charge card information on different terminal media or card media through the card production apparatus 245 to configure the charge / use separation card. It is preferable to produce a first, second and third use card and a charge card, and when any one of the first, second and third use card is set as a customer wireless terminal, it is set as the customer wireless terminal. The use card may be omitted, but it is desirable that the customer wireless terminal is registered as the use card of the charge / use card in connection with the initial charge (or name confirmation) of the charge / use card. It is right.

According to another embodiment of the present invention, when the charge / use card is a charge / use integrated card for recording the charge card information and the first, second, and third use card information in one terminal medium or card medium, The card manufacturing unit 220 and the first, second and third usage card information (or any one of the first, second and third usage card information) and the card production apparatus 245 and the like. It is preferable to produce the first, second and third use cards and the charge card constituting the charge / use integrated card by recording the charge card information on a single terminal medium or a card medium.

If the charge / use card is made 320, the charge card information included in the charge / use card and the first, second, and third use card information are stored in the storage medium 250 in association with the charge card. Deactivate the charging function of the card and the use of the first, second and third use card, and set the charge amount information through the charge card to '0' to the storage medium 250 in association with the charge card information. Save (325).

According to an embodiment of the present invention, the server stores the charge card information and the first to N-th use card information in the storage medium 250 in association with each other, and the charging function of the charge card and the first and Nth. It is desirable to deactivate the use function of the card.

According to another exemplary embodiment of the present invention, the server stores the charge card information and the first use card information in association with the storage medium 250, and charges the charge card and uses the first use card. After deactivating, upon confirming the name of the charge / use card, the N-use card information is further stored in association with the name checking server 100 in the storage medium 250, and the N-use card of It is desirable to deactivate the use function.

Thereafter, the server checks available amount information (or use amount ratio information) per use card for the first, second and third use cards (330).

According to an embodiment of the present invention, when the card production information further includes usable amount information (or use amount ratio information) for each use card, the server may generate the first, second and third information from the card production information. It is preferable to check the available amount information (or use amount ratio information) for each use card for the use card.

According to another exemplary embodiment of the present invention, when the available amount information (or use amount ratio information) for each use card is automatically set according to the charge / use card operation policy of the card issuer, the server charges / charges the card issuer. According to the use card operation policy, it is preferable to check the use amount information (or use amount ratio information) for each use card for the first, second and third use cards.

According to another exemplary embodiment of the present invention, when the entire amount of money charged through the charge card is set for each use card to each use card limit, the server may be configured for the first, second and third use cards. It is preferable to set usable amount information (or use amount ratio information) for each use card as the entire amount of money charged through the charging card, and use amount information for each use card (or use amount ratio) according to the intention of a person skilled in the art. Information) may be omitted.

According to an embodiment of the present invention, the amount of money available for each use card may include a limit amount for each of the first, second and third use cards regardless of the amount (or balance) charged through the charge card. It is preferable to make.

For example, when the available amount of the first use card is 1 million won and the available amount of the second use card is 1 million won, if the amount (or balance) charged through the recharge card is 3 million won, The first use card can be used up to one million won of the recharge amount, and the second use card can be used up to one million won of the recharge amount.

Alternatively, when the amount of money available in the first use card is 1 million won and the amount of money available in the second use card is 1 million won, if the amount (or balance) charged through the charge card is 500,000 won, the first amount The use card can be used up to 500,000 won (or the balance) of the charge amount, and the second use card can also be used up to 500,000 won.

According to an embodiment of the present invention, the use amount ratio information for each use card determines the limit amount for each of the first, second and third use cards based on the amount (or balance) charged through the charge card. It is preferable to include the charge amount ratio information.

For example, when the amount of the use amount of the first use card is 30% and the amount of the use amount of the second use card is 40%, if the amount (or the balance) charged through the charge card is 3 million won, The first use card can be used up to 900,000 won of the recharge amount, and the second use card can be used up to 1.2 million won of the recharge amount.

If available amount information (or use amount ratio information) for each of the first, second, and third use cards is verified (335), the server determines the first, second, and third use card information. And use amount information (or use amount ratio information) for each use card are stored in the storage medium 250 in operation 340.

In addition, the server confirms incentive information for each use card (or transaction type) to be provided (or applied to the first, second and third use cards) through the first, second and third use cards ( 345).

According to an embodiment of the present invention, when there is at least one affiliate company corresponding to the first, second and third use cards, the server may be configured to correspond to the at least one affiliate company corresponding to the first, second and third use cards, respectively. Incentive information (eg, fee discount incentive information, mileage incentive information, coupon discount incentive information, etc.) to be provided to (or applied to, the first, second and third use cards) to the first, second and third use cards It is desirable to confirm.

Alternatively, the server may provide incentive information to the card issuer to the first, second and third use cards (or apply to the first, second and third use cards) according to the incentive policy of the card issuer. (E.g., fee discount incentive information, mileage incentive information, coupon discount incentive information, etc.).

If incentive information per use card (or transaction type) is confirmed (350), the server associates the first, second and third use card information with incentive information for the use card (or transaction type). The storage medium 250 is stored in operation 355.

Thereafter, the server provides the charge / use card pack information including the produced use card and the charge card in one card pack to the card delivery management server 255, thereby providing one or more predetermined charge / use card stores ( Or merchants) to process the charge / use card packs to the customer who applied for the charge / use card (360), and then the charge / use card store (or merchant) sells the charge / use card packs (or give.

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

In more detail, FIG. 4 shows each charge / use card retailer using the charge card included in the charge / use card manufactured through the charge / use card manufacturing system shown in FIG. 2 and sold (or paid) to a customer ( Or to charge the charge amount through the charging terminal 150 provided in the affiliated store, and when charging the charge amount, the charge card charged with the charge amount, and the first, second and third associated with the charge card Recharge / use card charging system for activating one or more of the use card sold (or paid) to the customer of the use card, and stores the charge amount information in the storage medium 470 in association with the charge card information, Those skilled in the art to which the present invention pertains can refer to and / or modify this drawing 4 to infer various implementation methods for the charge / use card charging system configuration. Although there will be, 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. 4, the charge / use card charging system may include the charging terminal 150 provided at a charge / use card retailer (or an affiliated store) and the charge / use card manufacturing system shown in FIG. 2. Produce and use credit cards to the recharge / use card retailer (or merchant), and use each recharge / use card retailer (or merchant) using the charge card included in the charge / use card sold (or paid) to the customer. Charge the charging amount through the charging terminal 150 provided in the, and when charging the charge amount, the charging card and the charging card, the first, second and third of the use card associated with the charging card Charge / use card charging server 110 and the charge to activate one or more usage cards sold to (or paid) to the customer, and to store the charge amount information in the storage medium 470 in association with the charge card information Including baensa server 125 a having an end 150 and the charge / charge card use server 110 to the communication network for connecting the relay is characterized in that formed.

In FIG. 4, 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 a person skilled in the art and a method of implementing a charge / use card charging system.

In addition, in FIG. 4, 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, it is apparent that the bansa server 125 may be implemented in a system form of a plurality of servers for each functional component.

The charging terminal 150, CAT is provided in the charge / use card stores (or merchants) to sell (or pay) the charge / use card produced through the charge / use card production system shown in Figure 2 to the customer (Credit Authorization Terminal), or characterized in that it comprises at least one or more POS (Point Of Sales) terminal having a payment function.

According to an embodiment of the present invention, the charging terminal 150 includes at least one card reader for charging a charged amount, and reads card information from a charging card belonging to the charge / use card through the card reader, After inputting the charging information (for example, the charge amount) 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 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. Connecting a communication channel with a charging terminal 150 provided in the charging / using card retailer (or an affiliated store) through a public communication network including at least one of a downlink packet access) wireless network, an IEEE 802.16x based portable internet, and the like, The charging terminal 150 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 150, and the full charge / use card charge request 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). ), The charge / use card including the charge / use card charge request message (or card information and charge information included in the charge / use card charge request message and the charge / use card retailer (or affiliated store) information). Charge 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 through the charge / use card manufacturing system illustrated in FIG. 2 and sell the charge / use card to a customer through a charge / use card store (or affiliated store). Payment), and checks the charge / use card including the charge card corresponding to the card information based on the card information included in the charge / use card charge request message received from the bansa server 125, and the confirmed The charge / use card is characterized by charging the charge amount.

According to an embodiment of the present invention, the charge / use card charging server 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 technical features of the charging terminal 150, bansa server 125 and the charge / use card charging server 110 operating as described above to familiarize yourself with the technical features. Since it will be, more detailed description thereof will be omitted for convenience.

Referring to FIG. 4, the bansa server 125 is an interface for connecting and managing a communication channel with a charging terminal 150 provided in the charging / using card retailer (or an affiliated store) through a communication network (eg, a public communication network). The receiver 400 and the professional receiver 405 for receiving the charge / use card charge request message through the communication channel in association with the interface unit 400, and the charge / use card charge request message included in the An information checking unit 415 for checking the charging / using card charging server 110 to relay card data (or charging / using card charging request information) by relaying the card information by reading card information; And the information transmitter 420 for transmitting the full charge / use card charge request message (or charge / use card charge request information) to the use / charge card charge server 110, and the charge / use card charge server 110 from the charge / use card charge server 110. Charge / Use Car Information receiving unit 425 for receiving charge / use card charge result information (or charge / use card charge result preamble) including charge details corresponding to the full charge request message, and the communication unit in association with the interface unit 400. Characterized in that it comprises a specialized transmission unit 410 for transmitting the full charge / use card charging results including the charge history to the charging terminal 150 through.

The interface unit 400 stores the charge / use card through a communication protocol corresponding to a communication network connecting the bansa server 125 and the charging terminal 150 provided at the charge / use card selling store (or affiliated store). (Or an affiliated store) is connected to the charging terminal 150 and the communication channel for the charge-related professional transmission and reception, and maintains and manages the communication channel until the specialized transmission and reception is completed.

In the charging terminal 150 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 the card information is charged. When a charge / use card charge request message including information and the charge / use card retailer (or affiliated store) information is generated and transmitted through a communication network, the expert receiver 405 is connected to the interface unit 400 to charge the charge. Characterized in that it receives the full charge / use card charge request from the terminal 150.

If the charge / use card charge request message is encrypted and transmitted by the charging terminal 150 through the Bansa encryption key, the expert receiver 405 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 415 reads card information (eg, BIN of the charge card included in the charge / use card) included in the charge / use card charge request message. The charge / use card charge request message (or charge / use card charge request information) is characterized in that for checking the charge / use card charge server 110 to be relayed and transmitted.

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 checker 415, the information transmitter 420 ) 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 charge card corresponding to the full charge / use card charge request message (or charge / use card charge request information), and establishes the communication channel. Sending the charge / use card charging result information (or full charge / use card charging results) including the charge history corresponding to the full charge / use card charge request (or charge / use card charge request information) through the information The receiving unit 425 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 server 110 receives the charge / use card charging result information (or full charge / use card charging result), the specialized transmission unit 410 is connected to the interface unit 400. Characterized in that the full charge / use card charging results including the charge history through the communication channel to the charging terminal 150, wherein the interface unit 400 is the full charge / use card charging results It is preferable to further perform the process of verifying that the transmission to the charging terminal 150.

According to the present invention, the charge / use card charging server 110 includes charge card information included in the charge / use card produced through the charge / use card manufacturing system shown in FIG. 2 and the first to N-th use cards. Is stored in the storage medium 470 in conjunction with the charge card information in connection with the charge card information provided with the storage medium 470, or linked with the DBMS operating the storage medium 470 Or, it is preferable to link with a DB server (not shown) provided with the storage medium 470.

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

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

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

Referring to FIG. 4, the charge / use card charging server 110 may include a communication unit 430 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 receiving unit 435 for receiving the full charge / use card charge request message (or charge / use card charge request information) from the bansa server 125 and the received charge / use card charge request message in association with 430. Or the card information included in the charge / use card charge request information), which is produced through the charge / use card manufacturing system shown in FIG. 2 and sold (or paid) to the customer. And a card information checking unit 445 for checking whether the card information is matched with the charging card information when the card information is matched with the charging card information included in the charging / using card. ( Is a charge / use card charging means), a history generation unit 455 for generating a charge history including the charge / use card charge result, and charge / use card charge result information (or charge / A generation unit 460 for generating a full use card charging result) and the generated charge / use card charging result information (or full charge / use card charging result) through the communication channel in association with the communication unit 430; Characterized in that it comprises a transmission unit 440 for transmitting to the Bansa server 125, after the charge processing, the charge / use card operating the charge / use card from the charge / use card retailer (or merchant) after the charge processing It is characterized in that it further comprises a reimbursement settlement unit 465 for settlement processing by the card issuer.

The communication unit 430 transmits / receives 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 435 cooperates with the communication unit 430 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.

If 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 the encryption key of the card company server, the receiving unit 435 is encrypted. It is preferable 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 checking unit 445 sends the full charge / use card charge request message (or charge / use card charge request information). Check the included card information, and the confirmed card information is generated through the charge / use card production system shown in FIG. 2 and the charge card information included in the charge / use card sold (or paid) to a customer; It is characterized by checking whether a match.

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 charge card information included in the charge / use card by the card information checker 445, The charging processor 450 is sold to (or paid for) the customer of the charging function of the confirmed charging card information in connection with the storage medium 470 and the first, second, and third use cards associated with the charging card. Activate the use function of at least one card, and include the charge / use card charge request message (or charge / use card charge request information) in the charge amount information stored in association with the charge card information in the storage medium 470. And add and store the charged amount information.

When the charge processing procedure for the charge amount through the charge card for the charge amount is completed by the charge processor 450, the history generator 455 is the charge / use card charge result charged by the charge processor 450 Characterized by generating a charge history comprising a.

When the charge details are generated, the generation unit 460 generates charge / use card charge result information (or full charge / use card charge result) including the charge history, and the transmission unit 440 ) Transmits the generated charge / use card charging result information (or full charge / use card charging result) to the bansa server 125 through the communication channel in connection with the communication unit 430.

In addition, when the charge for the charge amount is processed by the charge processor 450, the charge settlement unit 465 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.

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

In more detail, FIG. 5 is based on the charge / use card manufacturing system shown in FIG. 2 based on the charge / use card produced and sold (or paid) to a customer. When the charging terminal 150 generates a charge / use card charge request message on the transmission to the bansa server 125, the bansa server 125 charge / use card charge request message (or charge / use card charge request information) ) Shows the process of relay transmission to the charge / use card charging server 110, and those of ordinary skill in the art to which the present invention pertains, refer to and / or modify this drawing 5 to perform the charging / Various implementation methods for the charge request process of the use card may be inferred, but the present invention includes all the implementation methods inferred, and only the implementation method shown in FIG. The technical features are not limited to.

Referring to FIG. 5, the charging terminal 150 on the offline charging / using card charging system shown in FIG. 4 reads card information from the charging / using card through a card reader, and charges information through a key input means. For example, input the charge amount (500), the full charge / use card charge request including the input card information and charging information and the charge / use card store (or merchant) information stored in the charging terminal 150 Create 505.

Thereafter, the charging terminal 150 connects a communication channel for professional transmission and reception with the bansa server 125 through the communication network (eg, a public communication network) (510).

If the communication channel is connected (515), the charging terminal 150 transmits the full charge / use card charge request message to the bansa server 125 via the communication channel (520), and corresponding to the bansa The server 125 receives the full text of the charge / use card charge request transmitted from the charging terminal 150 through the communication channel (525).

According to an embodiment of the present invention, when the full charge / use card charge request is encrypted and transmitted from the charging terminal 150 through the bansa encryption key, the bansa server 125 may use the encrypted charge / use. It is desirable to decrypt the full card charge request.

Thereafter, the bansa server 125 checks card information included in the full charge / use card charge request message (530).

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 transmit the full charge / use card charge request message (535).

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 full charge / use card charging request transmission is confirmed (540), the bansa server 125 is charged to the confirmed 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); (545).

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

In more detail, when FIG. 6 receives the full charge / use card charge request (or charge / use card charge request information) to the charge / use card charge server 110 through the charge request process shown in FIG. 5, The charge / use card charging server 110 charges a charge amount to be used through the first to N-th use cards of the charge / use card through the charge / use card charge request message (or charge / use card charge request information). As one of ordinary skill 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 present invention. However, 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. 6, through the charging request process illustrated in FIG. 5, the charging / using card charging server 110 receives the full charging / using card charging request (or charging / using card charging request information) (600). ).

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 the encryption key of the card company server, the charge / use card The usage card charging server 110 may decrypt 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). In operation 605, the confirmed card information is matched with the charge card information included in the charge / use card that is produced through the charge / use card manufacturing system shown in FIG. 2 and sold (or paid) to a customer. Check whether it is (610).

If the card information does not match the card information included in the charge / use card, which is produced through the charge / use card manufacturing system shown in FIG. 2 and sold (or paid) to the customer (615). ), The charge / use card charging server 110 generates charge / use card charging result information (or full charge / use card charging result) including charging error information and transmits it to the bansa server 125 (620). In response, the bansa server 125 transmits and outputs the full charge / use card charging result including the charging error information to the charging terminal 150 through a communication channel connected to the charging terminal 150 ( 625).

On the other hand, if the card information is matched with the charge card information of the charge / use card produced through the charge / use card manufacturing system shown in FIG. 2 and sold (or paid) to the customer (615), the charge / use Usage card charging server 110 is sold to the customer of the charging function of the confirmed charging card information in connection with the storage medium 470 and the first, second and third use card associated with the charging card (or Activate the use function of one or more of the used card, the full charge / use card charge request (or charge / use card charge request information) to the charge amount information stored in association with the charge card information in the storage medium 470 The amount of charge included in the information is added and stored (630).

Thereafter, the charging / using card charging server 110 generates a charging history including the charging / using card charging result (635).

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 (640). In response, the bansa server 125 transmits and outputs the full charge / use card charging result including the charge history to the charging terminal 150 through a communication channel connected to the charging terminal 150 (625). ).

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

In more detail, FIG. 7 is provided through the client terminal 145 using the charge card included in the charge / use card manufactured and sold to (or paid to) a customer through the charge / use card manufacturing system shown in FIG. The charge / use card is connected to the charge / use card charging server 110 in a non-face-to-face manner, and when charging the charge amount, the charge card charged with the charge amount, and the first and second associated with the charge card And a charge / use card charging system for activating at least one use card sold (or paid) to a customer among third use cards, and storing the charge amount information in the storage medium 745 in association with the charge card information. As those skilled in the art to which the present invention pertains, various implementations of the charge / use card charging system configuration may be made by referring to and / or modifying the drawing 7. The method may be inferred, but the present invention includes all the inferred implementation methods, and the technical features are not limited to the implementation method shown in FIG.

Referring to FIG. 7, the charging / using card charging system is used by a client terminal 145 used by a customer who has purchased (or received) a charging / using card produced through the charging / using card manufacturing system shown in FIG. And, through the charge / use card production system shown in Figure 2 to produce the charge / use card to deliver to the customer who applied for the charge / use card retailer (or merchant) to the charge / use card, The customer charges the charge amount using the charge card included in the charge / use card through the client terminal 145, and when charging the charge amount, the charge card charged with the charge amount, and associated with the charge card Activate one or more usage cards sold (or paid) to a customer among the first, second, and third usage cards, and associate the charge amount information with the charge card information. It is characterized in that it comprises a charge / use card charging server 110 to be stored in the storage medium (745).

In FIG. 7, the charge / use card charging server 110 is illustrated as one server for convenience, but this is one embodiment for efficiently describing the technical features of the charge / use card charging server 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 a person skilled in the art and a method of implementing a charge / use card charging system.

The client terminal 145 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 the embodiment of the present invention, the client terminal 145 is charged / used including the card information and the charge amount information corresponding to the charge card of the charge / use card from the charge / use card charging server 110 Receiving and outputting at least one charge / use card charging interface for inputting (or selecting) card charge request information; and card information corresponding to a charge card of the charge / use card through the charge / use card charging interface; A function configuration (eg, a browser program and a communication function) for inputting (or selecting) charge / use card charge request information including charge amount information and transmitting it to the charge / use card charge server 110 through a communication network is provided. It is preferable that it is done.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the client terminal 145 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 145 is a wired terminal, the communication network includes the TCP / IP based wired communication network, and when the client terminal 145 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 may generate the charge / use card to be sold (or paid) to a customer through the charge / use card manufacturing system shown in FIG. 2, and the client terminal 145. Check the charge / use card including the charge card corresponding to the card information based on the card information included in the charge / use card charge request information received from the device, and charge the charged amount to the checked charge / use card It is characterized by.

According to an embodiment of the present invention, the 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 145. 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 145 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 includes charge card information included in the charge / use card produced through the charge / use card manufacturing system shown in FIG. 2 and the first to N-th use cards. Is stored in the storage medium 745 in association with the charge card information and the charge card information in conjunction with the charge card information provided with the storage medium 745, or interlocked with the DBMS operating the storage medium 745 Or, it is preferable to link with a DB server (not shown) provided with the storage medium 745.

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

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

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

According to an embodiment of the present invention, the charging / use card charging server 110 communicates with the client terminal 145 through the communication network to provide a web interface corresponding to the communication network with the client terminal 145. It characterized in that it comprises an interface unit 700 for connecting and managing, whereby the charge / use card charging server 110 is connected to the client terminal 145 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 145 is a wired terminal to which a communication channel is connected through a TCP / IP based wired communication network, the interface unit 700 may connect the client terminal 145 with HTTP ( Connects a communication channel based on a Hyper-Text Transfer Protocol protocol, and transmits a charge / use card charging interface in the form of a Hyper-Text Markup Language (HTML) compatible document to the client terminal 145 through the communication channel. And, it is preferable to perform the function of receiving and processing the charge / use card charge request information input (or selected) through the charge / use card charge interface from the client terminal (145).

According to another exemplary embodiment of the present invention, when the client terminal 145 is a wireless terminal to which a communication channel is connected through a CDMA based wireless communication network, the interface unit 700 is connected to the client terminal 145 and a WAP (Wireless). Connect a communication channel based on Application Protocol (ME) or Mobile Explorer (ME) protocol, and charge / use card in the form of a wireless markup language (WML) or HTML compatible document to the client terminal 145 through the communication channel. It is preferable to perform a function of transmitting and outputting an interface and receiving and processing charge / use card charge request information corresponding to the charge / use card charge interface from the client terminal 145.

According to another exemplary embodiment of the present invention, when the client terminal 145 is a wireless terminal to which a communication channel is connected through an IEEE 802.16x based wireless communication network, the interface unit 700 is connected to the client terminal 145. 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 145 through the communication channel, and outputted, and from the client terminal 145. It is preferable to perform a function of receiving and processing charge / use card charge request information corresponding to the charge / use card charge interface, or the client terminal 145 connects a communication channel through an IEEE 802.11x based wireless communication network. In case of a wireless terminal, the interface unit 700 corresponds to the client terminal 145 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 145 through the communication channel, and transmit the output from the client terminal 145 to the charge / use card charging interface. It is preferable to perform a function of receiving and processing corresponding charge / use card charge request information.

Referring to FIG. 7, the charge / use card charge server 110 may be connected to the charge / use card charge server 110 by the client terminal 145 through the interface unit 700 to charge / use the card. When requesting registration of request information, the client terminal 145 interoperates with the interface unit 700 to charge / use card charge request information including card information and charge amount information corresponding to the charge card of the charge / use card. An interface providing unit 705 for generating (or extracting) a charging / using card charging interface for inputting (or selecting) and transmitting the same, and the client terminal 145 interoperates with the interface unit 700. And an information receiving unit 710 for receiving charge / use card charge request information transmitted by inputting (or selecting) through the use / charge card charging interface. It shall be.

The interface providing unit 705 has a functional configuration (eg, provided in the client terminal 145 when the client terminal 145 connects to the charging / using card charging server 110 through the interface unit 700). Charge / use card that can input (or select) charge / use card charge request information to the charge / use card charge server 110 through the communication network in response to a browser program included in the client terminal 145). 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 145 through the communication network in association with the interface unit 700. It is characterized by providing.

Thereafter, the client terminal 145 inputs charge / use card charge request information including card information and charge amount information corresponding to the charge card of the charge / use card based on the charge / use card charge interface (or If the charging / use card charge request information is input (or selected), the client terminal 145 receives the input (or selected) charge / use card charge request information through the communication network. The charge / use card is transferred to the charging server 110.

Those skilled in the art to which the present invention pertains, the charge card of the charge / use card through the at least one form (Form) included in the charge / use card charging interface in the client terminal 145 A technical feature of inputting (or selecting) charging / using card charging request information including card information and charging amount information corresponding to the above, and the charging / using card inputted (or selected) through a communication protocol provided by the communication network. Since you will be familiar with the technical features for transmitting the charge request information to the charge / use card charging server 110, a detailed description thereof will be omitted for convenience.

The information receiving unit 710 inputs (or selects) charging / using card charging request information from the client terminal 145 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.

Referring to FIG. 7, the charge / use card charging server 110 may generate card information included in the received charge / use card charge request information through the charge / use card manufacturing system shown in FIG. 2. A card information checking unit 715 for checking whether the card information is included in the charge / use card sold (or paid) to the customer, and the card information matching the charge card information included in the charge / use card. When the charge amount is charged to the charge / use card 720 (or charge / use card charging means), and a history generating unit 725 for generating a charge history including the charge / use card charging results A generation unit 730 for generating charging / use card charging result information including the charging history, and the generated charging / use card charging result information through the communication channel in association with the communication unit; And an information transmitter 735 for transmitting to the client terminal 145. After the charging process, the settlement amount is settled by the card issuer operating the charge / use card. It is characterized by further comprising a portion 740.

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

When the card information included in the charge / use card charge request information is matched with the charge card information included in the charge / use card by the card information checker 715, the charge processor 720 may determine the storage medium ( 745 to activate the charging function of the identified charge card information and the use of one or more of the use cards sold (or paid) to the customer among the first, second and third use cards associated with the charge card. The storage medium 745 is further configured to store the charge amount information included in the charge / use card charge request information in addition to the charge amount information stored in association with the charge card information.

When the charge charging procedure through the charge card for the charge amount is completed by the charge processor 720, the history generator 725 is the charge / use card charge result charged by the charge processor 720 Characterized by generating a charge history comprising a.

When the charge details are generated, the generation unit 730 generates charge / use card charging result information including the charge history, and the information transmitter 735 is connected to the communication unit to communicate with the communication unit. The generated charging / use card charging result information is transmitted to the client terminal 145 through a channel.

In addition, when the charge for the charge amount is processed by the charge processor 720, the charge settlement unit 740 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.

8 is a view showing a charging process of the charge / use card according to another embodiment of the present invention.

In more detail, FIG. 8 is a charge / use card charging system shown in FIG. 7 based on a charge / use card manufactured and sold to (or paid to) a customer through the charge / use card manufacturing system shown in FIG. When the client terminal 145 on the charge / use card charge request information is generated and transmitted to the charge / use card charging server 110 in a non-face-to-face manner, the charge / use card charging server 110 in the charge / use Regarding the process of charging the charge amount to be used through the first to N-th use card of the charge / use card through the card charge request information, those skilled in the art to which the present invention belongs, While reference and / or modification may infer various implementation methods for the charge request process of the charge / use card, the present invention encompasses all inferred implementation methods. In addition, the technical features are not limited only to the implementation method illustrated in FIG. 8.

Hereinafter, in FIG. 8, the charge / use card charging server 110 on the charge / use card charging system shown in FIG. 7 is referred to as a “server” for convenience, and the client on the charge / use card charging system shown in FIG. The terminal 145 is referred to as a "terminal" for convenience.

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

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

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

When the communication channel for charging / use card charging is connected between the terminal and the server as described above, the terminal requests the charge / use card charging interface for charging the charge / use card to the server through the communication channel; In response, the server may provide a user interface for inputting (or selecting) charge / use card charge request information including card information and charge amount information corresponding to a charge card of the charge / use card at the terminal. A charge / use card charging interface including a generated (or extracted) is generated (810) and the generated (or extracted) charge / used card charging interface is transmitted to the terminal through the communication channel (815).

Thereafter, the terminal charges the card information corresponding to the charge card of the charge / use card through the user interface included in the charge / use card charge interface for inputting (or selecting) the charge / use card charge request information. In operation 820, the charging / use card charging request information including the price information may be input (or selected).

If the charging / use card charging request information is input (or selected) in the terminal (825), the terminal transmits the card information and the charging amount corresponding to the charging card of the charging / use card to the server through the communication channel. The charging / use card charge request information including the information is transmitted, and the server receives the charge / use card charge request information corresponding thereto (z30).

When the charge / use card charge request information is encrypted and transmitted from the client terminal 145 through an encryption key of the card company server according to an exemplary embodiment of the present invention, the server receives the encrypted charge / use card charge request information. It is preferable to decrypt.

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

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

On the other hand, if the card information is matched with the charge card information of the charge / use card produced through the charge / use card manufacturing system shown in FIG. 2 and sold (or paid) to the customer (845), the server The charging function of the identified charging card information in association with the storage medium 745 and one or more of the use cards sold (or paid) to the customer among the first, second and third use cards associated with the charging card. A usage function is activated, and 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 charge card information in the storage medium 745 in operation 860.

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

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

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

In more detail, in FIG. 9, a customer who purchased (or received) a charge / use card produced through the charge / use card manufacturing system shown in FIG. 2 is sent to the card issuer through the client terminal 145 through a communication network. When providing the name confirmation information for the charge / use card, the card issuer is a system configuration for processing the name confirmation information as charge / use card name information for the charge / use card, the present invention Those skilled in the art may refer to and / or modify this drawing 9 to infer various implementation methods for the charge / use card named system configuration, but the present invention is directed to all implementations inferred from the above. It includes a method, and is not limited to the implementation method shown in FIG.

Hereinafter, at least one or more means for storing name checking information provided from the client terminal 145 in the storage medium 945 or a configuration of functions on the charge / use card name checking system shown in FIG. 9. The element is called "name server 100" for convenience.

Referring to FIG. 9 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 145 connected to a communication network and the client terminal 145 through a communication network, Receive name confirmation information on the charge / use card produced through the charging / using card manufacturing system shown in Figure 2 from the client terminal 145 through the communication network sold (or paid) to the customer, and the named And a name confirmation server 100 for processing the identification information as the charge / use card name information for the charge / use card and storing it in the storage medium 945.

The client terminal 145 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 At least one wireless communication terminal connected to a High Speed Downlink Packet Access (WLAN) -based wireless communication network, a portable 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 comprising at least, 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 145 is 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 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.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the client terminal 145 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 145 is a wired terminal, the communication network includes the TCP / IP based wired communication network, and when the client terminal 145 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 945 provided on the card issuer to confirm the name of the charge / use card is produced through the charge / use card manufacturing system shown in FIG. 2 and sold (or paid) to the customer. Disposable charge card information (or blank charge card information) corresponding to the charge card of the use card, charge amount information charged through the charge card of the charge / use card, first, second and And storing the third use card information in association.

According to the exemplary embodiment of the present invention, the name checking server 100 connects a communication channel with the client terminal 145 through the communication network to provide a web interface corresponding to the client terminal 145 and the communication network. Characterized in that it comprises an interface unit for managing 900, whereby the name verification server 100 has a function of a web server that is connected to the communication through the client terminal 145 and a wired communication network or a wireless communication network. do.

According to an embodiment of the present invention, when the client terminal 145 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 145 with HTTP ( Connects a communication channel based on a Hyper-Text Transfer Protocol protocol, transmits and outputs a name confirmation interface in the form of a Hyper-Text Markup Language (HTML) compatible document to the client terminal 145 through the communication channel, and It is preferable to perform a function of receiving and processing the name confirmation information input (or selected) from the client terminal 145 through the name confirmation interface.

According to another exemplary embodiment of the present invention, when the client terminal 145 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 145 and a WAP (Wireless). Connect a communication channel based on 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 145 through the communication channel. It is preferable to perform the function of outputting and receiving the name confirmation information corresponding to the name confirmation interface from the client terminal 145.

According to another exemplary embodiment of the present invention, when the client terminal 145 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 145. 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 145 through the communication channel, and outputted, and the name confirmation from the client terminal 145 is performed. It is preferable to perform a function of receiving and processing name confirmation information corresponding to an interface, or when the client terminal 145 is a wireless terminal to which a communication channel is connected through an IEEE 802.11x based wireless communication network, the interface unit ( 900 is a communication channel based on a wireless protocol corresponding to the client terminal 145 and the IEEE 802.11x standard. Connecting, transmitting and outputting a name confirmation interface to the client terminal 145 through the communication channel, and receiving and confirming the name confirmation information corresponding to the name checking interface from the client terminal 145. desirable.

Referring to FIG. 9, the name checking server 100 connects the name checking server 100 to the name checking server 100 through the interface unit 900 and registers the name checking information. In connection with 900, the client terminal 145 generates (or extracts) and provides a name confirmation interface for inputting (or selecting) and transmitting name confirmation information including at least one of customer information and charge / use card information. An information receiving unit 910 for receiving the name confirmation information transmitted from the client terminal 145 through the name checking interface in connection with the interface providing unit 905 and the interface unit 900. And processing the received name confirmation information as the charge / use card name information, and convert the charge / use card name information into the charge card of the charge / use card. Beam (or the first, second, and third use card information) is characterized in that in conjunction with the formed by having a write-check processing unit 915 (or a write-verify processing means) stores in the storage medium 945.

The interface providing unit 905 has a functional configuration (eg, client terminal) provided to the client terminal 145 when the client terminal 145 accesses the name confirmation server 100 through the interface unit 900. In response to the browser program included in the 145), name confirmation information may be input (or selected) to generate a name confirmation interface that may be transmitted to the name confirmation server 100 through the communication network, or a database (not shown). And the name confirmation interface generated (or extracted) in cooperation with the interface unit 900 is provided to the client terminal 145 through the communication network.

Thereafter, the client terminal 145 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 145 transmits the input (or selected) name confirmation information to the name confirmation server 100 through the communication network.

Those skilled in the art to which the present invention pertains, the client terminal 145 at least the customer information and charge / use card information through at least one form (Form) included in the name confirmation interface at least 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 receiving unit 910 inputs (or selects) the name confirmation information through the name checking interface from the client terminal 145 and transmits it through the communication network. The name checking information is linked with the interface unit 900. Characterized in that it receives.

The name confirmation processing unit 915 is a charge card corresponding to the charge card of the charge / use card with the 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 910 Information stored in the storage medium 945 in association with the first, second, and third use card information, so that the received name confirmation information is produced through the charge / use card manufacturing system shown in FIG. Characterized in the charge / use card name information for the charge / use card sold (or paid) to the.

Referring to FIG. 9, the name verification server 100 may include one or more usage card information which is not provided to the customer among the first, second and third use cards in association with the storage medium 945, or the drawing. 4 or 7 confirms one or more usage card information which is not activated through the charging / use card charging system shown in FIG. 7 and checks the usage card information in connection with the card production server 105. The use card production unit 930 (or use card production means) for processing to produce a corresponding one or more new use card, and the one or more new use card produced in connection with the card delivery management server shown in FIG. Usage card delivery unit (935) (or use card delivery means) that is processed to be delivered to the customer, and whether the customer received the at least one new usage card delivered to the customer It characterized in that it comprises a use card receipt confirmation unit 940 (or use card receipt confirmation means) for confirming.

When the name of the charge / use card is confirmed through the name confirmation processing unit 915, the use card production unit 930 is connected to the storage medium 945 in the affiliate of the card issuer operating the charge / use card. One or more usage card information that is not provided to the customer among the first useable card usable, the second use card which can use the recharge amount at a domestic merchant, and the third use card which can use the recharge amount at an overseas merchant, or the Characterized in that at least one use card information that is not activated through the charging / use card charging system shown in Figure 4 or 7, and when checking the use card information that is not provided or deactivated to the customer, the use card production unit ( 930 corresponds to the confirmed use card information in connection with the card production server 105 shown in FIG. Characterized in that the process is a new card used to manufacture, process of fabrication of the new card is used to refer to the figure 2.

When at least one new use card to be provided to the customer is produced, the use card delivery unit 935 is connected to the card delivery management server shown in Figure 2 so that the produced at least one new use card to be delivered to the customer Characterized in that the processing, the use card receipt confirmation unit 940 in connection with the client terminal 145 used by the customer to receive the new use card, or the card delivery agency for delivering the new use card to the customer It is characterized by checking whether the customer receives the at least one new use card delivered to the customer.

Referring to FIG. 9, the name checking server 100 deactivates a new use card information of which customer receipt is confirmed by the use card receipt checking unit 940, or a use function in association with the storage medium 945. When the use card check unit 920 (or use card check means) for checking one or more new use card information and one or more new use card information for which the customer receipt confirmation or use function is deactivated are confirmed, the storage medium ( And a use card activation unit 925 (or use card activation means) for activating the new use card in association with 945.

When it is confirmed that at least one new use card belonging to the charge / use card has been delivered to the customer through the use card receipt check unit 940, the use card check unit 920 is associated with the storage medium 945. Check the plurality of use card information associated with the charge card information of the charge / use card of which the name is confirmed, and at least one new use card information of which the use function is deactivated among the first, second and third use card information; Characterized in that the check.

If at least one new use card information for which the use function is deactivated by the use card checking unit 920 is confirmed, the use card activating unit 925 is confirmed to receive a customer in association with the storage medium 945. Or activating a use function of the deactivated new use card, whereby the amount charged through the charge card is one of the first, second and third use cards. Used for payment / financial transactions.

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

In more detail, in FIG. 10, at least one of client information and charge / use card information of the client terminal 145 on the charge / use card name confirmation system shown in FIG. 9 is transmitted to the name verification server 100 through a communication network. If the name confirmation information is transmitted, the name confirmation server 100 to store the name confirmation information in the storage medium 945, if the person having ordinary knowledge in the art to which the present invention belongs, By referring to and / or modifying the drawing 10, 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, as shown in FIG. It is not limited only to the implementation method.

In the following figure 10, the name confirmation server 100 on the charge / use card name confirmation system shown in FIG. 9 is referred to as " server " for convenience, and the client on the charge / use card name confirmation system shown in FIG. The terminal 145 is referred to as a "terminal" for convenience.

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

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 In response, 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 1010), and transmits the generated (or extracted) name confirmation interface to the terminal through the communication channel (1015).

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) (1020).

If the name confirmation information is input (or selected) at the terminal (1025), 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. In response thereto (1030), the server stores the received name verification information in a storage medium 945 (1035), thereby storing the name verification information in the charging / use card manufacturing system shown in FIG. It is processed as the charge / use card name information of the charge / use card manufactured and sold to (or paid to) the customer.

Thereafter, the server is connected with the storage medium 945, the first use card that can be used in the merchant of the card issuer operating the charge / use card, the second use card that can be used in the domestic merchants the charge amount; One or more usage card information that is not provided to the customer among the third usage cards that can be used by the overseas merchants, or one or more usage cards that are not activated through the charging / use card charging system shown in FIGS. 4 or 7 Check the information (1040).

If unused or deactivated use card information is confirmed to the customer (1045), at least one new use card corresponding to the checked use card information is produced in connection with the card production server 105 shown in FIG. In the process of manufacturing the use card, the customer may receive the new use card after processing the one or more new use cards produced in connection with the card delivery management server shown in FIG. 2 to the customer. In step 1050, the terminal receives a customer receipt for one or more new use cards delivered to the customer in association with a card delivery agency that delivers the new use card to the customer.

If at least one new use card belonging to the charge / use card is delivered to the customer through the use card receipt check unit 940 and the customer receives it (1055), the server determines the charge / use card. Check the plurality of use card information associated with the charge card information of the charge / use card confirmed the name in association with the storage medium 945 storing the name information, and the first, second and third use card information One or more new use card information of which the use function is deactivated is checked (1060).

If at least one new use card information of the use function is deactivated is confirmed (1065), the customer receipt is confirmed in association with the storage medium 945, or the use function of the deactivated new use card is activated. 1070, whereby the amount charged through the charge card is used for payment / financial transactions through any one of the first, second and third use cards.

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

In more detail, in FIG. 11, the customer who purchased (or received) the charge / use card produced through the charge / use card manufacturing system shown in FIG. 2 is the client terminal 145 as the card issuer through the communication network. When providing name confirmation information including wireless terminal information and charging / use card information, the card issuer checks the customer information about the customer in association with the communication company server 1160 based on the customer wireless terminal information. The system configuration for processing the customer information charge / use card information as the charge / use card name information for the charge / use card, if one of ordinary skill in the art to which the present invention belongs, Reference may be made to and / or modified to infer various implementation methods for the charge / use card named system configuration, but the present invention is directed to It includes all embodiments how the inference and shall not be limited to the exemplary method shown in the figure 11.

Hereinafter, at least one or more means for storing the name confirmation information provided from the client terminal 145 in the storage medium 1150 or the configuration of the function on the charge / use card name confirmation system shown in FIG. The element is referred to as " an explicit 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 client terminal 145 connected to a communication network and the client terminal 145 through a communication network, Customer wireless terminal information and a charge / use card of a customer who purchased (or received) a charge / use card produced through the charge / use card manufacturing system shown in FIG. 2 from the client terminal 145 through the communication network. Receives registered name confirmation information including the information, checks the customer information for the customer in connection with the communication company server 1160 based on the customer wireless terminal information, charging the customer information / charge card information to the charge / It includes a name confirmation server 100 to process the charge / use card name information for the use card to store in the storage medium 1150 And a gong.

The client terminal 145 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 portable 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 145 may input (or select) name verification information including at least one of customer wireless terminal information and charge / use card information from the name verification server 100. Receives and outputs at least one name confirmation interface and inputs (or selects) name confirmation information including at least one of customer wireless terminal information and charge / use card information through the name confirmation interface to confirm the name through a communication network. It is preferable that a function configuration (for example, a browser program and a communication function) for transmitting to the server 100 is provided.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the client terminal 145 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 145 is a wired terminal, the communication network includes the TCP / IP based wired communication network, and when the client terminal 145 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 1150 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 and sold (or paid) to the customer. Disposable charge card information (or blank charge card information) corresponding to the charge card of the use card, charge amount information charged through the charge card of the charge / use card, first, second and And storing the third use card information in association.

According to the exemplary embodiment of the present invention, the name checking server 100 connects a communication channel with the client terminal 145 through the communication network to provide a web interface corresponding to the client terminal 145 and the communication network. Characterized in that it comprises an interface unit 1100 for managing, whereby the name confirmation server 100 has a function of a web server that is connected to the communication through the client terminal 145 and a wired communication network or a wireless communication network. do.

According to an embodiment of the present invention, when the client terminal 145 is a wired terminal to which a communication channel is connected through a TCP / IP based wired communication network, the interface unit 1100 may be configured to connect the client terminal 145 with HTTP ( Connects a communication channel based on a Hyper-Text Transfer Protocol protocol, transmits and outputs a name confirmation interface in the form of a Hyper-Text Markup Language (HTML) compatible document to the client terminal 145 through the communication channel, and It is preferable to perform a function of receiving and processing the name confirmation information input (or selected) from the client terminal 145 through the name confirmation interface.

According to another exemplary embodiment of the present invention, when the client terminal 145 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 145 and a WAP (Wireless). Connect a communication channel based on 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 145 through the communication channel. It is preferable to perform the function of outputting and receiving the name confirmation information corresponding to the name confirmation interface from the client terminal 145.

According to another exemplary embodiment of the present invention, when the client terminal 145 is a wireless terminal to which a communication channel is connected through an IEEE 802.16x based wireless communication network, the interface unit 1100 is connected to the client terminal 145. 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 145 through the communication channel, and outputted, and the name confirmation from the client terminal 145 is performed. It is preferable to perform a function of receiving and processing name confirmation information corresponding to an interface, or when the client terminal 145 is a wireless terminal to which a communication channel is connected through an IEEE 802.11x based wireless communication network, the interface unit ( 1100 communicates with the client terminal 145 based on a wireless protocol corresponding to the IEEE 802.11x standard. To the terminal, and transmits and outputs a name confirmation interface to the client terminal 145 through the communication channel, and receives and processes the name confirmation information corresponding to the name confirmation interface from the client terminal 145. It is preferable.

Referring to FIG. 11, when the client terminal 145 accesses the name verification server 100 through the interface unit 1100 and requests registration of name verification information, the interface unit 1100 is requested. Generate (or extract) a name verification interface for the client terminal 145 to input (or select) and transmit name verification information including at least one of customer wireless terminal information and charge / use card information. An information receiving unit for receiving the name confirmation information that is input (or selected) transmitted from the client terminal 145 through the name confirmation interface in cooperation with the interface providing unit 1105 and the interface unit 1100 ( 1110 and the customer wireless terminal in association with a communication company server 1160 having a subscriber D / B 1165 for storing subscriber information for the customer wireless terminal. Name information confirmation unit (or name information confirmation means) for confirming the subscriber information as the charge / use card name information for the charge / use card, and the charge / use card name information to charge card information of the charge / use card (Or first and second and third use card information) characterized in that it comprises a name verification processing unit 1145 (or name verification processing means) for storing in the storage medium 1150.

The interface providing unit 1105 has a functional configuration (for example, a client terminal) provided to the client terminal 145 when the client terminal 145 accesses the name confirmation server 100 through the interface unit 1100. 145) to generate (or select) the name confirmation information corresponding to the browser program provided in (145) to transmit to the name confirmation server 100 via 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 145 through the communication network.

Subsequently, the client terminal 145 inputs (or selects) name confirmation information including at least one of customer wireless terminal information and charge / use card information based on the name confirmation interface, and the name confirmation information is input ( Or selected), the client terminal 145 transmits the input (or selected) name verification information to the name verification server 100 through the communication network.

Those skilled in the art to which the present invention pertains, the client wireless terminal information and the charge / use card information through the at least one form (Form) included in the name confirmation interface in the client terminal 145 Technical features for inputting (or selecting) name verification information including at least one of the above, and transmitting the input (or selection) name verification information to the name verification server 100 through a communication protocol provided by the communication network. Since it will be familiar with the technical features, a 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 145 and transmits the name checking information through the communication network. The name checking information is linked with the interface unit 1100. Characterized in that it receives.

The name information confirming unit provides the customer wireless terminal information to a communication company server 1160 having a subscriber D / B 1165 storing subscriber information for the customer wireless terminal, and the customer information from the communication company server 1160. After receiving subscriber information corresponding to wireless terminal information, the received subscriber information is confirmed as the charge / use card name information.

When the charge / use card name information is confirmed by the name information checking unit based on the customer wireless terminal information, the name confirmation processing unit 1145 receives the name confirmation approval information, upon receiving the name confirmation approval information, The name confirmation processor 1145 stores the charge / use card name information in the storage medium 1150 in association with the charge card information (or first, second and third use card information) of the charge / use card. By doing so, the name of the charge / use card through the customer wireless terminal characterized in that the processing is confirmed.

Referring to FIG. 11, the name verification server 100 may include one or more use card information which is not provided to the customer among the first, second and third use cards in connection with the storage medium 1150, or the drawing. 4 or 7 confirms one or more usage card information which is not activated through the charging / use card charging system shown in FIG. 7 and checks the usage card information in connection with the card production server 105. A use card production unit (or use card production means) for processing a corresponding one or more new use cards to be produced, and the one or more new use cards produced in connection with the card delivery management server shown in FIG. 2 are delivered to the customer. Use card delivery unit (or card delivery method) to process as possible, and whether the customer received the at least one new use card delivered to the customer And characterized in that having made the use of the card receiving confirmation unit (or the card receiving confirmation means).

When the name of the charge / use card is confirmed through the name checking processing unit 1145, the use card manufacturing unit may be used in a merchant of a card issuer operating the charge / use card in association with the storage medium 1150. 1, one or more use card information which is not provided to the customer among the use card, the second use card which can use the recharge amount at a domestic merchant, and the third use card which can use the recharge amount at an overseas merchant, or the drawing 4 or Characterized in that at least one use card information that is not activated through the charge / use card charging system shown in Figure 7, when checking the use card information that is not provided or deactivated to the customer, the use card production unit is the Figure 2 One or more scenes corresponding to the identified use card information in connection with the card production server 105 shown in FIG. Characterized in that the processing to use the production card, the process of producing the new use card will be described with reference to FIG.

When at least one new use card to be provided to the customer is produced, the use card delivery unit processes the at least one new use card produced in connection with the card delivery management server shown in FIG. 2 to be delivered to the customer. The use card receipt confirmation unit may include one or more new items delivered to the customer in association with a client terminal 145 used by the customer who receives the new use card, or a card delivery agency that delivers the new use card to the customer. It is characterized by checking whether the customer receives the use card.

Referring to FIG. 11, the name checking server 100 may include new use card information of which customer receipt has been confirmed by the use card receipt checking unit, or one or more functions of which a use function is deactivated in association with the storage medium 1150. When the use card check unit (or use card check means) for checking new use card information and one or more new use card information for which the customer receipt confirmation or use function is deactivated are confirmed, the storage medium 1150 is linked with the storage medium 1150. Characterized in that it comprises a use card activation unit (or use card activation means) for activating the new use card.

When it is confirmed that at least one new use card belonging to the charge / use card has been delivered to the customer through the use card receipt confirming unit, the use card confirming unit is connected to the storage medium 1150 to determine the charge / And confirming a plurality of use card information associated with the charge card information of the use card, and identifying one or more new use card information of which the use function is deactivated among the first, second and third use card information.

If one or more new use card information of which the use function is deactivated by the use card check unit is confirmed, the use card activation unit checks the customer receipt in association with the storage medium 1150, or the new use of the deactivated function. Characterized in that the use function of the card is activated, whereby the amount charged through the charge card is used for payment / financial transactions through any one of the first, second and third use card do.

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

In more detail, in FIG. 12, the client terminal 145 on the charge / use card name confirmation system shown in FIG. 11 transmits at least the customer wireless terminal information and the charge / use card information to the name confirmation server 100 through a communication network. When transmitting the confirmation information including one or more, the process of storing the name confirmation information in the storage medium 1150 in the name confirmation server 100, the person having ordinary skill in the art However, various implementation methods for the process of confirming the name of the charge / use card may be inferred by referring to and / or modifying the drawing 12, but the present invention includes all the implementation methods inferred from the drawing. It is not limited only to the implementation method shown.

In the following figure 12, the name verification 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. 145 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 may include a name checking interface including a user interface for inputting (or selecting) name checking information including at least one of the customer wireless terminal information and charge / use card information in the terminal. It generates (or extracts) (1210), and transmits the generated (or extracted) name verification interface to the terminal through the communication channel (1215).

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

If the name confirmation information is input (or selected) at the terminal (1225), the terminal includes at least one of the customer wireless terminal information and the charge / use card information to the server through the communication channel; In response to 1230, the server corresponding to the customer of the purchase (or received) of the charge / use card produced through the charge / use card production system shown in Figure 2 from the received name confirmation information Check the customer wireless terminal information (1240).

If the customer wireless terminal information is confirmed (1245), the server provides the customer wireless terminal information to the carrier server 1160 having a subscriber D / B (1165) for storing subscriber information for the customer wireless terminal. In operation 1250, the subscriber information corresponding to the customer wireless terminal information is received and confirmed from the telecommunication company server 1160.

If the charging / use card name information is confirmed based on the customer wireless terminal information (1255), the server generates charging result information including the charging details, and the confirmed subscriber information is used for the charging / use card. Name information is processed and the charge / use card name information is stored in the storage medium 1150 in association with the charge card information (or first, second and third use card information) (1260).

Thereafter, the server is connected to the storage medium 1150, the first use card that can be used in the merchant of the card issuer operating the charge / use card, the second use card that can use the charge amount in the domestic merchant, One or more usage card information that is not provided to the customer among the third usage cards that can be used by the overseas merchants, or one or more usage cards that are not activated through the charging / use card charging system shown in FIGS. 4 or 7 Check the information (1265).

If unused or deactivated use card information is confirmed to the customer (1270), at least one new use card corresponding to the checked use card information is produced in connection with the card production server 105 shown in FIG. In the process of manufacturing the use card, the customer may receive the new use card after processing the one or more new use cards produced in connection with the card delivery management server shown in FIG. 2 to the customer. The terminal checks whether the customer receives the at least one new use card delivered to the customer in connection with a card delivery agency that delivers the new use card to the customer (1275).

If at least one new use card belonging to the charge / use card is delivered to the customer through the use card receipt confirmation unit, and the customer receives the received use card (1280), the server stores the charge / use card name information. Check the plurality of use card information associated with the charge card information of the charge / use card whose name has been confirmed in association with the storage medium 1150, and the use function among the first, second and third use card information At least one new debit card information is confirmed (1285).

If one or more new use card information with the use function deactivated is confirmed (1290), customer receipt is confirmed in association with the storage medium 1150, or the use function of the deactivated new use card is activated. The amount charged through the charge card is used for payment / financial transaction through any one of the first, second and third use cards.

13 is a diagram showing the configuration of a charge / use card transaction system according to the first embodiment of the present invention.

In more detail, FIG. 13 is manufactured through the charging / using card manufacturing system shown in FIG. 2 and sold (or paid) to a customer, and charged through the charging / using card charging system shown in FIG. 4 or 7. In the charge / use card filled with the amount of money, the first use card which can use the amount charged through the charge card of the charge / use card at a merchant of a card issuer operating the charge / use card, and the charge amount As a second use card that can be used at a domestic merchant, and a charge / use card transaction system that uses the charged amount for payment / financial transactions using any one of the third use cards that can be used at an overseas merchant. Specifically, the card issuer that handles payment / financial transactions through the first, second and third use cards of the charge / use card pays to the customer. A charge / use card transaction system including a card company (or a financial company) that issues cards, and wherein a first use card usable at a merchant of a card issuer operating the charge / use card is used as a use card of the charge / use card. It is shown.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 13 to infer various implementation methods for the charge / use card transaction system configuration, but the present invention infers the above. It is made to include all the implementation methods, the technical features are not limited only to the implementation method shown in FIG.

For example, in FIG. 13, 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. 13, 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 140 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 transactions for payment, it is possible to infer the system configuration for the financial transaction or online payment through the payment through the merchant terminal 140, the financial in Figure 13 A system configuration for transaction or online payment will be omitted.

Hereinafter, the first use card that can be used in the merchant of the card issuer operating the charge / use card in this drawing 13 and the flowchart connected thereto refers to the charge / use card transaction system as " use card " The technical features of the following will be described.

Referring to FIG. 13, the charge / use card transaction system is manufactured through an affiliated store terminal 140 provided at an affiliated store and a charge / use card manufacturing system shown in FIG. 2 and sold (or paid) to a customer. In addition, the card issuing server 115 operating the charge / use card with the charge amount charged through the charge / use card charging system shown in FIG. 4 or FIG. 7, and the authorization request transmitted from the affiliated store terminal 140. It characterized in that it comprises a bansa server 125 for transmitting the full-length relay to the professional relay target.

In FIG. 13, 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, in FIG. 13, the card issuing server 115 is illustrated as one server for convenience, but this is merely an exemplary method for efficiently describing the technical features of the card issuing 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 140 may include at least one CAT (Credit Authorization Terminal) or a POS (Point Of Sales) terminal equipped with a payment function for a payment transaction through a 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 140 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 140 provided in the merchant, x.25 based communication network, encryption / By connecting a communication channel with at least one professional relay target server through a dedicated communication network including at least one decryption-based communication network, the affiliated store terminal 140 and the specialized relay target server.

According to the embodiment of the present invention, when the card information included in the approval request message is a card issued by a domestic card company (or financial company), the bansa server 125 receives the approval request message received from the affiliated store terminal 140. 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. 13, 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 method of the present invention, the bansa server 125 receives the full text of the authorization request encrypted with the bansa encryption key from the merchant terminal 140, decrypts the full auth request with the decryption key of the bansa, 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 financial company) according to an embodiment of the present invention, the card issuing server 115 is used to receive the entire authorization request received from the bansa server 125. If the included card information is recognized as a domestic card issued by the card company (or financial company), the transaction approval limit amount (for example, credit limit or linked account) for the domestic card as a card company (or financial company) for the domestic card. Balance), and processing the transaction for the transaction amount included in the transaction information through the transaction approval limit amount, and the card included in the full text of the authorization request received from the bansa server 125. When the information is a use card of the charge / use card, use card information corresponding to the card information included in the authorization request text and charge / use associated with the use card information Checking the charge card information of the use card, the charge amount information charged through the charge card, and processing the approval for the transaction amount contained in the full text of the authorization request 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 (eg, credit limit amount) for the charge / use card and a transaction for a predetermined period of time. Confirming the 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 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, the technical features of the merchant terminal 140, the bansa server 125 and the card issuer server 115 operating as described above will be familiar with the technical features. 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. 13, 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. 13, the bansa server 125 may include an interface unit 1300 for connecting and managing a communication channel with an affiliated store terminal 140 provided at the affiliated store through a communication network (eg, a public communication network), The approval request professional receiving unit 1305 (or a professional receiving means) for receiving the approval request full text through the communication channel in association with the interface unit 1300 and the card information included in the received approval request full text to read the approval. A professional relay target confirmation unit 1315 (or a card checking means) for identifying a special relay target server for relaying a request message, and an authorization request specialized transmission unit 1320 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 1325 for receiving a full text of an approval result including transaction details corresponding to the approval request message from the specialized relay target server. In connection with the interface unit 1300 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 1310 to transmit to the merchant terminal 140.

The interface unit 1300 transmits and receives specialized transaction-related transmission and reception with an affiliated store terminal 140 provided at the affiliated store through a communication protocol corresponding to a communication network connecting the bansa server 125 and the affiliated store terminal 140 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 140 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. Target terminal information), and after generating an authorization request message including the card information, the transaction information, and the affiliated store information and transmitting it through a communication network, the authorization request message receiving unit 1305 is connected with the interface unit 1300. It is characterized in that for receiving the authorization request message from the affiliated store terminal 140 in association.

If the approval request message is encrypted and transmitted from the affiliated store terminal 140 through the bansa encryption key, the approval request message receiving unit 1305 preferably decrypts the encrypted approval request message.

When the approval request message is received, the specialized relay target confirmation unit 1315 reads the BIN of the card information included in the approval request message, and confirms the special 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. 13, the specialized relay target confirmation unit 1315 reads the BIN information of the use card of the charge / use card to transfer 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 1315, the approval request message transmission unit 1320 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 receiver 1325 receives 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 include.

When the approval result message is received from the specialized relay target server, the approval result message transmission unit 1310 connects the authentication result message including the transaction history through the communication channel in association with the interface unit 1300 to the affiliate store. Characterized in that the transmission to the terminal 140, wherein the interface unit 1300 preferably further performs the process of verifying that the full text of the approval result is transmitted to the affiliated store terminal 140.

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 1373 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 1373. Or a DB server (not shown) provided with the BIN information D / B 1373.

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 1380 for storing, or interworking with a DBMS operating the card management D / B 1380, or provided with the card management D / B 1380 (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 issuer information (eg, card issuer 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 issuing server 115 has a transaction history D / B 1375 for storing the transaction approved transaction history information when the transaction is approved through a card issued by the card issuer, Alternatively, it is preferable to interwork with a DBMS operating the transaction history D / B 1375 or to a DB server (not shown) provided with the transaction history D / B 1375.

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 1380, and preferably includes a card number, and the card management D / B 1380 through the card information. The transaction history D / B 1375 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. 13, the card issuer server 115 may include a communication unit 1330 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 1330. A payment unit 1335 (or a specialized 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 1345 (or card checking means) for checking whether the card is a card or a use card 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 1350 for confirming a transaction approval limit amount corresponding to the card information and approving a transaction for the transaction amount included in the approval request message through the identified transaction approval limit amount; Generate a transaction history including the transaction approval result, generate a full text of the approval result including the transaction history, and in conjunction with the communication unit 1330 to generate the full text of the approval result through the communication channel to the bansa server ( And a transmission unit 1340 (or specialized transmission means) for transmitting to 125, and when the transaction is approved by the card transaction approval unit 1350, the transaction history information included in the transaction history is included. It is characterized in that the transaction history further comprises a transaction storage unit (1353) stored in the D / B (1375).

The communication unit 1330 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 reception unit 1335 may include at least one card information, transaction information, and merchant information in association with the communication unit 1330. Characterized in receiving the full text.

If the approval request message is encrypted and transmitted from the bansa server 125 through an encryption key of the card company server, the receiving unit 1335 preferably decrypts the encrypted approval request message.

When the authorization request message is received, the card information verification unit 1345 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 checking unit 1345 is a card that the card is reported as lost in the process of checking the card information, or is not available condition 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) by the payment card issued by the card issuer, the card transaction approval unit 1350 is provided in connection with the card information in the card management D / B 1380 The transaction approval limit amount corresponding to the card limit information is checked, and the transaction for the transaction amount included in the approval request is approved based on the identified transaction approval limit amount.

According to the method of the present invention, the card transaction approval unit 1350 first checks a transaction attribute corresponding to the card information in association with the card management D / B 1380 to confirm the transaction approval limit amount (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 1350 may read 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 type transaction attribute (eg, a check card transaction attribute or a debit card transaction attribute), the card transaction approval unit 1350 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 (eg, a prepaid card transaction attribute), the card transaction approval unit 1350 may determine 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 1350 performs 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 (eg, credit card transaction attribute), the card transaction approval unit 1350 may schedule a schedule in connection with the transaction history D / B 1375. 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 transaction approval unit 1350 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 transaction approval unit 1350 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 transaction approval unit 1350 may preferably process 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 1350 may perform 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 1350 preferably processes the transaction.

When the transaction approval procedure for the transaction amount is completed by the card transaction approval unit 1350, the transmission unit 1340 includes a transaction including a result of the transaction approval approved by the card transaction approval unit 1350. 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 1340 generates a full text of an approval result including the transaction history, and the transmission unit 1340 establishes the communication channel in association with the communication unit 1330. 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 1350, the transaction history storage unit 1353 may include card information included in the transaction history generated by the transmission unit 1340. The transaction history information including at least one or more transaction approval date, transaction authorization amount, merchant information and transaction approval information is stored in the transaction history D / B 1375.

Referring to FIG. 13, 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 1335, the card issuer server 115 is 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. An information confirmation unit 1355 for confirming information and charge amount information charged through the charge card, and confirming a transaction type (eg, a card issuer, a merchant transaction, a domestic transaction, and an overseas transaction) for the entire authorization request. Or information verification means) and the transaction type through the use card information and the transaction type (for example, card issuer, merchant transaction, bureau, etc.) by comparing the transaction type with the use card information. Validation unit (1360) (or validation means) for checking the validity of the use card for each transaction type to check whether the transaction, overseas transactions) match, and when the validity of the use card for each transaction type, the charge / charge of the use card Transaction approval processing unit 1343 (or transaction processing) for processing 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 charge amount information charged through the card (or Transaction approval processing means), wherein the information checking unit 1355 reads the card information included in the full text of the request for approval of the transaction request and replaces the charge / use card matched with the card information. Characterized in the first to N-th use card information, the transmission unit 1340 is a full text of the approval result including the transaction history corresponding to the transaction approval processing Characterized in that the transmission to the bansa server (125).

According to an aspect of the present invention, when the usable amount information (or use amount ratio information) for each use card of the charge / use card is stored in the storage medium 1385, the information checking unit 1355 stores the storage medium 1385. Check the available amount information (or use amount ratio information) for each use card associated with the use card information corresponding to the card information, and the transaction approval processing unit 1343 checks the charge card. It is characterized in that the transaction approval for the transaction amount is processed based on a limit corresponding to the available amount information (or use amount ratio information) for each use card among the charged amount.

According to another aspect of the present invention, when incentive information for each use card of a charge / use card is stored in the storage medium 1385, the information checking unit 1355 is connected to the storage medium 1385 to the card information. And confirming incentive information for each use card associated with corresponding use card information, and the transaction approval processing unit 1343 accepts the confirmed use card incentive information in association with the storage medium 1385. Processing to be applied to, or characterized in that the processing to be provided through the use card.

When the authorization request message including the card information and transaction information corresponding to the use card of the charge / use card is received through the reception unit 1335, the information verification unit 1355 is the card information included in the authorization request message. It is characterized in that for checking the use card information including the BIN information assigned to the use card of the charge / use card of the BIN information assigned to the card issuer.

When the use card information of the charge / use card is confirmed, the information checking unit 1355 checks the charge card information of the charge / use card associated with the use card information in association with the storage medium 1385, and charges the Characterized in that the check the amount of charge information charged through the card.

In addition, the information check unit 1355 is characterized in that for confirming the transaction type (eg, card issuer affiliated store transactions, domestic transactions, foreign transactions) for the authorization request full text.

According to the exemplary embodiment of the present invention, the information checking unit 1355 preferably further includes checking whether the use card information and the charging card information are activated in association with the storage medium 1385.

When the use card information and the transaction type (eg, card issuer, merchant, domestic transaction, overseas transaction) of the recharge / use card are confirmed through the information checker 1355, the validity checker 1360 uses the card. By comparing the information and the transaction type, the validity of the usage card for each transaction type that checks whether the transaction type through the use card and the transaction type (eg, card issuer, merchant, domestic transaction, and foreign transaction) for the authorization request text is matched. It is characterized by checking.

According to an embodiment of the present invention, when the use card of the charge / use card is a first use card that can be used at an affiliate of a card issuer operating the charge / use card, the validity confirming unit 1360 is the transaction type. It is preferable to check whether the card issuer is a merchant transaction, and if the use card of the charge / use card is the first use card and the transaction type is confirmed as the card issuer merchant transaction, the use card validity by transaction type is valid. It is desirable to confirm that it satisfies.

According to another embodiment of the present invention, when the use card of the charge / use card is the second use card which can use the charge amount at a domestic merchant, the validity checker 1360 checks whether the transaction type is a domestic transaction. Preferably, when the use card of the charge / use card is the second use card and the transaction type is confirmed as a domestic transaction, it is preferable to confirm that the validity of the use card for each transaction type is satisfied.

According to another embodiment of the present invention, when the use card of the charge / use card is the third use car which can use the charge amount at an overseas merchant, the validity checker 1360 checks whether the transaction type is an overseas transaction. Preferably, when the use card of the charge / use card is the third use card and the transaction type is confirmed as an overseas transaction, it is preferable to confirm that the validity of the use card for each transaction type is satisfied.

Through the information confirming unit 1355, the charge amount information charged through the charge card associated with the use card of the charge / use card is confirmed, and the validity check unit 1360 confirms the validity of the use card for each transaction type. When the transaction approval processing unit 1343 uses the charge / charge card information charged through the charge / use card, the transaction amount (= transaction included in the full approval request) Transaction approval for the amount of money).

According to an embodiment of the present invention, the transaction approval processing unit 1363 may use a transaction amount (= transaction amount included in the authorization request text) and a 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 the transaction 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 1343 may subtract the approved amount from the charged amount charged through the charging card in association with the storage medium 1385.

According to an embodiment of the present invention, when the available amount information (or use amount ratio information) for each use card of the charge / use card is stored in the storage medium 1385, the information checking unit 1355 may include the storage medium ( 1385, it is preferable to further check the available amount information (or use amount ratio information) for each use card associated with the use card information corresponding to the card information, and if the use amount information for each use card (or When the use amount ratio information) is confirmed, the transaction approval processing unit 1363 may determine the transaction amount based on a limit corresponding to the use amount information (or use amount ratio information) for each use card among the amounts charged through the charge card. It is desirable to handle transaction approval for.

That is, when the available amount information (or use amount ratio information) for each use card is confirmed through the information confirming unit 1355, the transaction approval processing unit 1343 may determine the transaction amount through the amount charged through the charge card. Instead of approving a transaction for the transaction, the transaction is approved for the transaction amount by calculating a limit amount corresponding to the available amount information (or usage amount ratio information) of the used credit card among the charged amount. It is preferable.

According to an embodiment of the present invention, the amount of money available for each use card may include a limit amount for each of the first to Nth use cards, regardless of the amount (or balance) charged through the charge card. Do.

For example, when the available amount of the first use card is 1 million won and the available amount of the second use card is 1 million won, if the amount (or balance) charged through the recharge card is 3 million won, The first use card can be used up to one million won of the recharge amount, and the second use card can be used up to one million won of the recharge amount.

Alternatively, when the amount of money available in the first use card is 1 million won and the amount of money available in the second use card is 1 million won, if the amount (or balance) charged through the charge card is 500,000 won, the first amount The use card can be used up to 500,000 won (or the balance) of the charge amount, and the second use card can also be used up to 500,000 won.

According to an embodiment of the present invention, the use amount ratio information for each use card may include a charge amount ratio for determining the limit amount for each of the first to Nth use cards based on the amount (or balance) charged through the charge card. It is preferable to include information.

For example, when the amount of the use amount of the first use card is 30% and the amount of the use amount of the second use card is 40%, if the amount (or the balance) charged through the charge card is 3 million won, The first use card can be used up to 900,000 won of the recharge amount, and the second use card can be used up to 1.2 million won of the recharge amount.

According to another exemplary embodiment of the present invention, when incentive information for each use card of a charge / use card is stored in the storage medium 1385, the information checking unit 1355 may link the card information with the storage medium 1385. It is preferable to further check incentive information for each use card associated with the use card information corresponding to. If the incentive information for each use card is confirmed, the transaction approval processing unit 1343 may be linked with the storage medium 1385. The confirmed incentive information for each use card (eg, fee discount incentive information, mileage incentive information, coupon discount incentive information, etc.) is processed to be applied to the transaction approval, or is processed to be provided through the use card. .

For example, when the incentive information for each use card is confirmed through the information checking unit 1355, the transaction approval processing unit 1343 may discount a fee or provide mileage according to the transaction approval through the use card. , Or apply a coupon discount.

Alternatively, when the incentive information for each use card is confirmed through the information checking unit 1355, the transaction approval processing unit 1343 may include fee discount incentive information, mileage incentive information, and the like on the use card information stored in the storage medium 1385. By further storing (or linking) the coupon discount incentive information, it is preferable to process the incentive to be applied in a future payment / financial transaction through the use card.

The transaction amount using the charge / use card of the charge / use card through the charge amount information charged through the charge / use card of the charge / use card through the transaction approval processing unit 1363 (= transaction amount included in the full approval request) When the transaction is processed, the transmission unit 1340 generates a transaction history including any one of transaction approval information or transaction error information corresponding to the transaction approval process, and completes the 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 140.

Referring to FIG. 13, the card issuing server 115 transmits the full approval result including the transaction approval information to the affiliated store terminal 140 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 A transaction approved through the document purchase information generation unit 1365 (or document purchase information generating means) to be generated, the transaction amount approved through 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 1370 (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 through the transmission unit 1340 to the affiliated store terminal 140 through the bansa server 125, the ticket purchase information generation unit 1365 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 1370 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.

14 is a diagram illustrating a transaction request process between the affiliated store terminal 140 and the bansa server 125 according to the first embodiment of the present invention.

In more detail, Figure 14 is generated by the merchant terminal 140 on the charge / use card transaction system shown in Figure 13 and transmits the authorization request to the bansa server 125, the bansa server 125 in the approval The process of identifying a specialized relay target server for a request full text and relaying the approval request full text to the specialized relay target server is shown. If a person having ordinary knowledge in the technical field to which the present invention pertains is shown in FIG. 14. By referring to and / or modified to be able to infer various implementation methods for the transaction request process between the merchant terminal 140 and the bansa server 125, the present invention comprises all the implementation methods inferred, The technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 14, the merchant terminal 140 on the charge / use card transaction system illustrated in FIG. 13 reads card information from the customer card through a card reader, and trades information (eg, a transaction) through a key input means. Input the amount information, merchant information (or charging / use card use target terminal information) (1400), and generates a full authorization request message including the input card information and transaction information and merchant information stored in the merchant terminal 140 (1405).

Here, the customer card is produced through the charge / use card manufacturing system shown in Figure 2 and sold (or paid) to the customer, the charge amount through the charge / use card charging system shown in Figure 4 or 7 It is preferable to include the use card of the charged charge / use card.

Thereafter, the affiliated store terminal 140 connects the communication channel for professional transmission and reception with the bansa server 125 through the communication network (eg, a public communication network) (1410).

If the communication channel is connected (1415), the merchant terminal 140 transmits the full text of the approval request to the bansa server 125 through the communication channel (1420), and correspondingly the bansa server 125 Receives the approval request message transmitted from the affiliated store terminal 140 through the communication channel (1425).

According to an embodiment of the present invention, when the approval request is encrypted and transmitted from the affiliated store terminal 140 through the bansa's 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 (1430), and reads the checked BIN information to relay a specialized relay target server to transmit the approval request text. Check (1435).

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. 13, 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 (1440), the bansa server 125 relays the approval result message to the identified professional relay target server (1445).

15 is a diagram illustrating a transaction processing process of the card issuer server 115 according to the first embodiment of the present invention.

More specifically, Figure 15 checks the card issuer server 115 on the charge / use card transaction system shown in Figure 13 as a specialized relay target server through the transaction request process shown in Figure 14 to complete the authorization request. 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; When it is confirmed (or recognized) as the use card of the use card, it shows a process to process the transaction authorization through the use card of the charge / use card, 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 15. It is made to include all the implementation methods inferred, the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 15, through the transaction request process shown in FIG. 14, the card issuing server 115 on the charge / use card transaction system shown in FIG. 13 is identified as a specialized relay target server to relay the full approval request. In the case of transmission, the card issuing server 115 receives the full text of the authorization request from the bansa server 125 (1500), reads the BIN of the card information included in the full text of the authorization request, and reads the card information. It is checked whether the corresponding card is a payment card issued by the card issuer (1505).

If the card corresponding to the card information is not a payment card issued by the card issuing company (1510), the card issuer server 115 reads the BIN of the card information so that the card information of the charge / use card Check whether the card is used (1515).

If the card information is confirmed as the use card of the charge / use card (1520), 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 (1510), the card issuer server 115 is the card information, transaction information and merchants included in the full approval request Information is checked (1535), and the card management D / B 1380 checks the transaction approval limit amount for each transaction attribute corresponding to the card limit information provided in connection with the card information (1540).

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 preferable to confirm with the transaction approval limit amount for 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 (1545), the card issuer server 115 determines the transaction attribute for the transaction amount included in the authorization request text based on the confirmed transaction approval limit amount. The transaction approval for each star is processed (1550).

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 schedules in connection with the transaction history D / B 1375. 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 is not confirmed the transaction approval for each transaction attribute (1555), the card issuer server 115 generates a full text of the authorization result containing the transaction error information and transmits to the bansa server 125 In response thereto, the bansa server 125 transmits and outputs the full text of the approval result including the transaction error information to the affiliated store terminal 140 through a communication channel connected to the affiliated store terminal 140 (1565). .

On the other hand, if the transaction approval processing result confirms the transaction approval for each transaction property (1555), the card issuer server 115 generates a transaction history including the transaction approval result (1570).

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 the full text of the approval result including the transaction history and transmits the full text to the bansa server 125 (1575). In response, the bansa server 125 is an affiliated store terminal 140. The entire transmission of the approval result including the transaction history is transmitted to the affiliated store terminal 140 through the communication channel connected to the transmission line (1565).

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. Store in / B 1375 (1580).

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

In more detail, FIG. 16 shows the charge / charge to the card issuer server 115 on the charge / use card transaction system shown in FIG. 13 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. A process of processing a transaction approval for a transaction amount requested through a use card of a use card, and a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 16 to charge the charge. It will be possible to infer various implementation methods for the transaction process through the usage card of the / use card, but the present invention includes all the implementation methods inferred above. Only the exemplary method shown in plane 16 is not limited its technical characteristics.

Referring to Figure 16, through the transaction processing process of the card issuer server 115 shown in Figure 15 is produced through the charging / using card production system shown in Figure 2 is sold (or paid) to the customer, The full text of the request for approval including the card information corresponding to the use card of the charge / use card in which the charged amount is charged through the charge / use card charging system shown in FIG. 4 or 6 is shown in FIG. When received by the card issuer server 115 on the card transaction system, the card issuer server 115 includes card information corresponding to a use card of the charge / use card from the bansa server 125 through a communication network. Receives the authorization request message (1600), and reads the card information included in the authorization request message and assigns it to the use card of the charge / use card among the BIN information assigned to the card issuer. Use card information including the associated BIN information is checked (1605).

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 ( 1610), 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 (1615), and the bansa server 125 is connected to the affiliated store terminal 140. The full text of the approval result is transmitted to the affiliated store terminal 140 through the connected communication channel (1630).

On the other hand, when the card information including the BIN information associated with the card information included in the approval request is read and the BIN information assigned to the card issuer is assigned to the use card of the charge / use card is confirmed (1610). In operation 1635, the card issuer server 115 checks whether the use card of the charge / use card is activated in association with the storage medium 1385.

If the use card of the charge / use card is not activated (1640), 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 (1615). The bansa server 125 transmits the full text of the approval result to the affiliated store terminal 140 through a communication channel connected with the affiliated store terminal 140 and outputs the complete result of the approval (1630).

On the other hand, if the use card of the charge / use card is activated (1640), the card issuer server 115 is connected to the storage medium 1385 and the charge card information and the charge card associated with the use card information Check the charge amount information charged through (1645).

According to an embodiment of the present invention, when the available amount information (or use amount ratio information) for each use card of the charge / use card is stored in the storage medium 1385, the card issuer server 115 may store the storage medium. In connection with 1385, it is preferable to further check available amount information (or use amount ratio information) for each use card associated with the use card information corresponding to the card information.

According to an embodiment of the present invention, the amount of money available for each use card may include a limit amount for each of the first to Nth use cards, regardless of the amount (or balance) charged through the charge card. Do.

For example, when the available amount of the first use card is 1 million won and the available amount of the second use card is 1 million won, if the amount (or balance) charged through the recharge card is 3 million won, The first use card can be used up to one million won of the recharge amount, and the second use card can be used up to one million won of the recharge amount.

Alternatively, when the amount of money available in the first use card is 1 million won and the amount of money available in the second use card is 1 million won, if the amount (or balance) charged through the charge card is 500,000 won, the first amount The use card can be used up to 500,000 won (or the balance) of the charge amount, and the second use card can also be used up to 500,000 won.

According to an embodiment of the present invention, the use amount ratio information for each use card may include a charge amount ratio for determining the limit amount for each of the first to Nth use cards based on the amount (or balance) charged through the charge card. It is preferable to include information.

For example, when the amount of the use amount of the first use card is 30% and the amount of the use amount of the second use card is 40%, if the amount (or the balance) charged through the charge card is 3 million won, The first use card can be used up to 900,000 won of the recharge amount, and the second use card can be used up to 1.2 million won of the recharge amount.

According to another exemplary embodiment of the present invention, when incentive information for each use card of a charge / use card is stored in the storage medium 1385, the card issuer server 115 is linked with the storage medium 1385. It is preferable to further check incentive information for each use card associated with the use card information corresponding to the information.

If the charge card information associated with the use card information and the charge amount information charged through the charge card is not confirmed (1650), the card issuer server 115 generates a full text of an approval result including transaction error information. Transmit to the bansa server 125 (1615), the bansa server 125 transmits the full text of the approval result to the affiliated store terminal 140 through the communication channel connected to the affiliated store terminal 140 (1630). .

On the other hand, when the charge card information associated with the use card information and the charge amount information charged through the charge card is confirmed (1650), the card issuing server 115 is the transaction type (eg, card) for the authorization request message Issuer merchant transaction, domestic transaction, foreign transaction) and compare the transaction card information with the transaction type, the transaction type through the use card and the transaction type for the authorization request (eg, card issuer merchant transaction, It checks the validity of the use card for each transaction type (1655).

According to an embodiment of the present invention, when the use card of the charge / use card is the first use card that can be used at the affiliate of the card issuer operating the charge / use card, the card issuer server 115 performs the transaction. It is preferable to check whether a type is the card issuer merchant transaction, and if the use card of the charge / use card is the first use card and the transaction type is confirmed as the card issuer affiliate transaction, use card by transaction type It is desirable to confirm that the effectiveness is satisfied.

According to another embodiment of the present invention, when the use card of the charge / use card is the second use card which can use the charge amount at a domestic merchant, the card issuer server 115 determines whether the transaction type is a domestic transaction. It is preferable to confirm, and when the use card of the charge / use card is the second use card and the transaction type is confirmed as a domestic transaction, it is preferable to confirm that the use card validity by transaction type is satisfied.

According to another embodiment of the present invention, when the use card of the charge / use card is the third use car which can use the charge amount at an overseas merchant, the card issuer server 115 determines whether the transaction type is an overseas transaction. It is preferable to confirm, and when the use card of the charge / use card is the third use card and the transaction type is confirmed as a foreign transaction, it is preferable to confirm that the validity of the use card for each transaction type is satisfied.

If the validity of the use card for each transaction type is not confirmed (1660), the card issuer server 115 generates an authorization result message including transaction error information and transmits it to the bansa server 125 (1615). The bansa server 125 transmits the full text of the approval result to the affiliated store terminal 140 through the communication channel connected to the affiliated store terminal 140 and outputs the generated certificate (1630).

If the validity of the use card for each transaction type is confirmed (1660), the card issuer server 115 uses the charge / use card of the charge / use card through the charge amount information charged through the charge card of the charge / use card. Transaction approval for the transaction amount used (= transaction amount included in the approval request text) is processed (1665).

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.

According to an embodiment of the present invention, when the available amount information (or use amount ratio information) for each use card of the charge / use card is stored in the storage medium 1385, the use amount information for each use card (or use amount) Rate information), the card issuing server 115 determines the transaction amount based on a limit corresponding to the available amount information (or use amount ratio information) for each use card among the amounts charged through the charging card. It is advisable to handle transaction approval.

That is, when the available amount information (or use amount ratio information) for each use card is confirmed, the card issuer server 115 may approve the transaction for the transaction amount through the amount charged through the charge card. In addition, it is preferable to process the transaction approval for the transaction amount by calculating a limit amount corresponding to the usable amount information (or use amount ratio information) of the checked use card among the charged amount.

According to another exemplary embodiment of the present invention, when incentive information for each use card of a charge / use card is stored in the storage medium 1385, when the incentive information for each use card is confirmed, the card issuer server 115 may determine the incentive information. The incentive information (e.g., fee discount incentive information, mileage incentive information, coupon discount incentive information, etc.) for each identified use card is processed to be applied to the transaction approval in connection with the storage medium 1385, or through the use card. It is characterized in that the processing to be provided.

For example, when the incentive information for each use card is confirmed, the card issuer server 115 may discount a fee, provide mileage, or apply a coupon discount according to the transaction approval through the use card. desirable.

Alternatively, when the incentive information for each use card is confirmed, the card issuer server 115 further includes fee discount incentive information, mileage incentive information, and coupon discount incentive information in the use card information stored in the storage medium 1385 ( Or by storing), it is preferable that the incentive is applied to the payment / financial transaction through the use card in the future.

If the transaction for the transaction amount is not approved through the use card of the charge / use card (1670), the card issuer server 115 generates a full text of an authorization result including transaction error information to the bansa server 125. In operation 1615, the bansa server 125 transmits the full text of the approval result to the affiliated store terminal 140 through the communication channel connected with the affiliated store terminal 140 and outputs the generated certificate result (1630).

On the other hand, if a transaction for the transaction amount is approved through the use card of the charge / use card (1670), the card issuer server 115 connects the charge card of the charge / use card with the storage medium 1385. Subtract the transaction amount approved through the use card of the charge / use card from the charge amount charged through the (1675), and generate the full text of the approval result including the transaction approval information corresponding to the transaction approval process by generating the bansa server ( 125, and the bansa server 125 transmits the full text of the approval result to the affiliated store terminal 140 through the communication channel connected with the affiliated store terminal 140 and outputs the generated certificate result (1630).

FIG. 17 is a diagram illustrating a domestic card type purchase process for a use card transaction of a charge / use card according to the first embodiment of the present invention.

In more detail, FIG. 17 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. 16, the charge / use shown in FIG. As a process of purchasing a slip for the used card transaction in the card issuer server 115 on the card transaction system, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to FIG. 17 and / or Alternatively, it may 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, but the present invention includes all the implementation methods inferred, this figure 17 The technical features are not limited only to the implementation method shown in FIG.

For example, in FIG. 17, the card issuer server 115 that processes the transaction process through the use card of the charge / use card shown in FIG. 16 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. 17, after a transaction through a use card of a charge / use card is processed through a transaction process using a charge / use card shown in FIG. 16, the card issuer server 115 performs the charging. Check whether the purchase of the document for the transaction approval through the use card of the use card is performed (1700).

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 (1705), 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 purchase information about the purchase of the transaction 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 (1715).

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 according to the affiliated document purchase procedure (1720), the card issuer server 115 may determine the use card of the charge / use card. The result of the document purchase is stored (1725).

18 is a diagram showing the configuration of a charge / use card transaction system according to the second embodiment of the present invention.

More specifically, Figure 18 is produced through the charging / using card manufacturing system shown in Figure 2 and sold (or paid) to the customer, and charged through the charging / using card charging system shown in Figure 4 or Figure 7 In the charge / use card in which the amount is charged, a first use card usable in a merchant of a card issuer operating the charge / use card and the charge amount charged through the charge card of the charge / use card and the charge amount Regarding a recharge / use card transaction system that uses a second use card that can be used in a domestic merchant and a payment / financial transaction using any one of the third use cards that can be used in an overseas merchant, Specifically, a card issuer that processes payment / financial transactions through the first, second, and third use cards of the recharge / use card is shown in FIG. The charge / use card production system may include a charge / use card issuer that has produced (or paid) the charge / use card to a customer, and may be used at a merchant of a card issuer operating the charge / use card. It illustrates a charge / use card transaction system in which a first use card is used as a use card of the charge / use card.

More specifically, Figure 18 is produced through the charging / using card manufacturing system shown in Figure 2 and sold (or paid) to the customer, and charged through the charging / using card charging system shown in Figure 4 or Figure 6 A charge / use card transaction system in which an amount of money has been charged, wherein the BIN information assigned to the use card of the charge / use card is registered with bansa and used for payment / financial transactions.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 18 to infer various implementation methods for the charge / use card transaction system configuration, but the present invention may infer the above-mentioned. It is made including all the implementation method that is, the technical features are not limited only to the implementation method shown in FIG.

For example, in FIG. 18, 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. 18, the transaction through the use card of the charge / use card is illustrated mainly referring to the payment approval request requested from the affiliated store terminal 140 provided at the affiliate 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 140, the financial in this figure 18 A system configuration for transaction or online payment will be omitted.

Hereinafter, in the flowchart of FIG. 18 and the flow diagram connected thereto, the first use card usable at the merchant of the card issuer operating the charge / use card is referred to as a “use card” of the charge / use card for convenience. The technical features of the following will be described.

Referring to FIG. 18, the charge / use card transaction system is manufactured through an affiliated store terminal 140 provided at an affiliated store and the charge / use card manufacturing system shown in FIG. 2 and sold (or paid) to a customer. In addition, the card issuing server 115 for operating the charge / use card with the charged amount charged through the charge / use card charging system shown in FIG. 4 or FIG. 6, and the authorization request transmitted from the affiliated store terminal 140. It characterized in that it comprises a bansa server 125 for transmitting the full-length relay to the professional relay target.

In FIG. 18, the bansa server 125 is also illustrated as a 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. 18 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 140 may include at least one CAT (Credit Authorization Terminal) or a POS (Point Of Sales) terminal equipped with a payment function for a payment transaction through a 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 140 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 140 provided in the merchant, x.25 based communication network, encryption / It is characterized by relaying the affiliated store terminal 140 and the specialized relay target server by connecting a communication channel with at least one specialized relay target server through a dedicated communication network including at least one decryption-based communication network.

According to the embodiment of the present invention, when the card information included in the approval request message is a card issued by a domestic card company (or financial company), the bansa server 125 receives the approval request message received from the affiliated store terminal 140. 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. 18, 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 method of the present invention, the bansa server 125 receives the full text of the authorization request encrypted with the bansa encryption key from the merchant terminal 140, decrypts the full auth request with the decryption key of the bansa, and decrypts the decryption. Read the Bank Identification Number (BIN) on the card information included in the approved approval request message, and confirm the specialized relay target server to which the approval request message is transmitted, and decrypt the full text of the approval result 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 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. Characterized in that.

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, the technical features of the merchant terminal 140, the bansa server 125 and the card issuer server 115 operating as described above will be familiar with the technical features. 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. 18, 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. 18, the bansa server 125 may include an interface unit 1800 for connecting and managing a communication channel with an affiliated store terminal 140 provided at the affiliated store through a communication network (eg, a public communication network), and the interface. The approval request message receiving unit 1805 (or a professional receiving means) for receiving the approval request message through the communication channel in association with the unit 1800, and the card information included in the received approval request message is read and the approval request is made. Special relay target confirmation unit (1815) (or card verification means) for checking the special relay target server to relay the full text, and approval request professional transmission unit 1820 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 1825 for receiving a full text of an approval result including transaction details corresponding to the approval request message from the specialized relay target server. In connection with the interface unit 1800 is characterized in that it comprises the approval result specialized transmission unit 1810 for transmitting the full text of the approval result including the transaction history to the affiliated store terminal 140 through a communication channel.

The interface unit 1800 transmits and receives specialized transaction-related transmission and reception with the affiliated store terminal 140 provided at the affiliated store through a communication protocol corresponding to a communication network connecting the bansa server 125 and the affiliated store terminal 140 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 140 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 1805 and the interface unit 1800 It is characterized in that for receiving the authorization request message from the affiliated store terminal 140 in association.

If the approval request message is encrypted and transmitted from the affiliated store terminal 140 through the bansa encryption key, the approval request message receiving unit 1805 preferably decrypts the encrypted approval request message.

When the approval request message is received, the specialized relay target confirmation unit 1815 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 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. 18, the specialized relay target confirmation unit 1815 reads the BIN information of the use card of the charge / use card to transfer 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 1815, the approval request message transmission unit 1820 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 1825 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 approval request message is approved according to an embodiment of the present invention, the transaction details included in the approval result message may include card information regarding the transaction approved charge / use card, transaction approval date, and transaction. It is preferable to include at least one or more approved amount, 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 1810 is connected to the interface unit 1800 and the authentication result message including the transaction details through the communication channel to the affiliated store. Characterized in that the transmission to the terminal 140, the interface unit 1800 preferably performs the process of verifying that the full text of the approval result is transmitted to the affiliated store terminal 140.

Referring to FIG. 18, the card issuer server 115 may include a communication unit 1830 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 1830. A transaction request specialist receiving unit 1835 (or specialized receiver) for receiving an authorization request message including 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. Check the charge card information of the charge / use card associated with the charge, and the charge amount information charged through the charge card, and the transaction type (eg, card issuer merchant transaction, domestic transaction for the authorization request message) An information confirmation unit 1845 (or information confirmation means) for confirming a transaction or an overseas transaction, and a transaction type through the use card and a transaction type for the full text of the authorization request (for example, by comparing the transaction information with the use card information). A validity checking unit (1855) (or a validity checking means) for checking the validity of the use card for each transaction type for checking whether a card issuer, a merchant, a domestic transaction, or an overseas transaction is matched; Processing transaction approval for a transaction amount (= transaction amount included in the authorization request text) 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 transaction approval processing unit 1850 (or transaction approval processing means), and transmits the entire approval result including transaction details corresponding to the transaction approval processing to the bansa server 125. It is characterized in that the result is provided with a professional transmission unit 1840 (or professional transmission means), the information checking unit 1845 reads the card information contained in the full text of the authorization request requesting the transaction and the card information; The first to N-th use card information of the matching charge / use card is checked.

According to an aspect of the present invention, when the usable amount information (or use amount ratio information) for each use card of the charge / use card is stored in the storage medium 1870, the information checking unit 1845 may include the storage medium ( 1870 checks the available amount information (or use amount ratio information) for each use card associated with the use card information corresponding to the card information, wherein the transaction approval processing unit 1850 is the charge card It is characterized in that the transaction approval for the transaction amount is processed based on a limit corresponding to the available amount information (or use amount ratio information) for each use card of the amount charged through.

According to another aspect of the present invention, when incentive information for each use card of a charge / use card is stored in the storage medium 1870, the information checking unit 1845 is connected to the storage medium 1870 to the card information. And confirm incentive information for each use card associated with corresponding use card information, and the transaction approval processing unit 1850 approves the transaction using the confirmed incentive information for each use card in association with the storage medium 1870. Processing to be applied to, or characterized in that the processing to be provided through the use card.

The communication unit 1830 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 1835 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 1835, the information confirming unit 1845 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 1845 checks the charge card information of the charge / use card associated with the use card information in association with the storage medium 1870, and charges the Characterized in that the check the amount of charge information charged through the card.

In addition, the information check unit 1845 is characterized in that for confirming the transaction type (eg, card issuer affiliated store transactions, domestic transactions, foreign transactions) for the full approval request.

According to the exemplary embodiment of the present invention, the information checking unit 1845 may further include checking whether the use card information and the charging card information are activated in association with the storage medium 1870.

When the use card information and the transaction type (eg, card issuer, merchant, domestic transaction, overseas transaction) of the charge / use card are confirmed through the information checking unit 1845, the validity checking unit 1855 and the using card By comparing the information and the transaction type, the validity of the usage card for each transaction type that checks whether the transaction type through the use card and the transaction type (eg, card issuer, merchant, domestic transaction, and foreign transaction) for the authorization request text is matched. It is characterized by checking.

According to an embodiment of the present invention, when the use card of the charge / use card is a first use card that can be used at an affiliate of a card issuer operating the charge / use card, the validity confirming unit 1855 is the transaction type. It is preferable to check whether the card issuing merchant transaction, if the use card of the charge / use card is the first use card and the transaction type is confirmed as the card issuer merchant transaction, use card by transaction type It is desirable to confirm that the effectiveness is satisfied.

According to another embodiment of the present invention, when the use card of the charge / use card is the second use card which can use the charge amount at a domestic merchant, the validity checker 1855 confirms whether the transaction type is a domestic transaction. Preferably, when the use card of the charge / use card is the second use card and the transaction type is confirmed as a domestic transaction, it is preferable to confirm that the validity of the use card for each transaction type is satisfied.

According to another embodiment of the present invention, when the use card of the charge / use card is the third use car which can use the charge amount at an overseas merchant, the validity checker 1855 confirms whether the transaction type is an overseas transaction. Preferably, when the use card of the charge / use card is the third use card and the transaction type is confirmed as an overseas transaction, it is preferable to confirm that the validity of the use card for each transaction type is satisfied.

Through the information confirming unit 1845, the amount of charge information charged through the charge card associated with the use card of the charge / use card is confirmed, and the validity check unit 1855 confirms the validity of the use card for each transaction type. When the transaction approval processing unit 1850 uses a charge card of the charge / use card through the charge amount information charged through the charge card of the charge / use card, the transaction amount (= included in the approval request message) Transaction approval for the transaction amount).

According to the implementation method of the present invention, the transaction approval processing unit 1850 is a transaction amount (= 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 1850 may subtract the approved amount from the charged amount charged through the charging card in association with the storage medium 1870.

According to an embodiment of the present invention, when the usable amount information (or use amount ratio information) for each use card of the charge / use card is stored in the storage medium 1870, the information checking unit 1845 may store the storage medium ( In connection with 1870, it is preferable to further check the available amount information (or use amount ratio information) for each use card associated with the use card information corresponding to the card information. When the use amount ratio information) is confirmed, the transaction approval processing unit 1850 may use the transaction amount based on a limit corresponding to the use amount information (or use amount ratio information) for each use card among the amounts charged through the charge card. It is desirable to handle transaction approval for.

That is, when the available amount information (or use amount ratio information) for each use card is confirmed through the information checking unit 1845, the transaction approval processing unit 1850 uses the amount of money charged through the charge card. Instead of approving a transaction for the transaction, the transaction is approved for the transaction amount by calculating a limit amount corresponding to the available amount information (or usage amount ratio information) of the used credit card among the charged amount. It is preferable.

According to an embodiment of the present invention, the amount of money available for each use card may include a limit amount for each of the first to Nth use cards, regardless of the amount (or balance) charged through the charge card. Do.

For example, when the available amount of the first use card is 1 million won and the available amount of the second use card is 1 million won, if the amount (or balance) charged through the recharge card is 3 million won, The first use card can be used up to one million won of the recharge amount, and the second use card can be used up to one million won of the recharge amount.

Alternatively, when the amount of money available in the first use card is 1 million won and the amount of money available in the second use card is 1 million won, if the amount (or balance) charged through the charge card is 500,000 won, the first amount The use card can be used up to 500,000 won (or the balance) of the charge amount, and the second use card can also be used up to 500,000 won.

According to an embodiment of the present invention, the use amount ratio information for each use card may include a charge amount ratio for determining the limit amount for each of the first to Nth use cards based on the amount (or balance) charged through the charge card. It is preferable to include information.

For example, when the amount of the use amount of the first use card is 30% and the amount of the use amount of the second use card is 40%, if the amount (or the balance) charged through the charge card is 3 million won, The first use card can be used up to 900,000 won of the recharge amount, and the second use card can be used up to 1.2 million won of the recharge amount.

According to another exemplary embodiment of the present invention, when incentive information for each use card of a charge / use card is stored in the storage medium 1870, the information checking unit 1845 is connected to the storage medium 1870 to provide the card information. It is preferable to further check incentive information for each use card associated with the use card information corresponding to. If the incentive information for each use card is confirmed, the transaction approval processing unit 1850 is connected to the storage medium 1870. The confirmed incentive information for each use card (eg, fee discount incentive information, mileage incentive information, coupon discount incentive information, etc.) is processed to be applied to the transaction approval, or is processed to be provided through the use card. .

For example, when the incentive information for each use card is confirmed through the information checking unit 1845, the transaction approval processing unit 1850 may reduce a fee or provide mileage according to the transaction approval through the use card. , Or apply a coupon discount.

Alternatively, when the incentive information for each use card is confirmed through the information checking unit 1845, the transaction approval processing unit 1850 may include fee discount incentive information, mileage incentive information, and the like on the use card information stored in the storage medium 1870. By further storing (or linking) the coupon discount incentive information, it is preferable to process the incentive to be applied in a future payment / financial transaction through the use card.

The amount of the transaction 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 1850 (= transaction amount included in the authorization request full text) When the transaction is processed, the transaction result transmission unit 1840 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 140.

Referring to FIG. 18, the card issuing server 115 transmits the full approval result including the transaction approval information to the affiliated store terminal 140 through the bansa server 125 and then the transaction approval information. Slip purchase information generation unit 1860 (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 And a slip purchase processing unit 1865 (or slip purchase processing means) for purchasing the slip for the transaction amount authorized 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 140 through the bansa server 125, the purchase information purchase unit 1860 According to the transaction history including the transaction approval information, characterized in that for generating the purchase information for the purchase of the document for the transaction amount approved through the use card of the charge / use card.

The voucher purchase processing unit 1865 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 authorized transaction amount is purchased through the use card of the charge / use card.

19 is a diagram illustrating a transaction request process between the affiliated store terminal 140 and the bansa server 125 according to the second embodiment of the present invention.

In more detail, in FIG. 19, when the merchant terminal 140 on the charge / use card transaction system shown in FIG. 18 generates the full authorization request message and transmits it to the bansa server 125, the bansa server 125 receives the approval. 19 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 140 and the bansa server 125, the present invention comprises all the implementation methods inferred, The technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 19, the merchant terminal 140 on the charge / use card transaction system shown in FIG. 18 reads card information from the customer card through a card reader, and trades information (eg, a transaction through a key input means). Input the amount information, merchant information (or charging / use card use target terminal information) (1900), and generates a full authorization request message including the input card information and transaction information and merchant information stored in the merchant terminal 140 (1905)

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

Thereafter, the affiliated store terminal 140 connects a communication channel for professional transmission / reception with the bansa server 125 through the communication network (eg, a public communication network) (1910).

If the communication channel is connected (1915), the merchant terminal 140 transmits the full text of the approval request to the bansa server 125 through the communication channel (1920), and correspondingly the bansa server 125 Receives the approval request message transmitted from the affiliated store terminal 140 through the communication channel (1925).

According to an embodiment of the present invention, when the approval request is encrypted and transmitted from the affiliated store terminal 140 through the bansa's encryption key, the bansa server 125 decrypts the encrypted approval request transcript. desirable.

Thereafter, the bansa server 125 reads card information included in the approval request text to confirm BIN information (1930), reads the checked BIN information, and transmits the specialized relay target server to relay the approval request text. Check (1935).

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. 18, 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 specialized relay target server to relay the approval request message is confirmed (1940), the bansa server 125 relays the approval result message to the identified professional relay target server (1945).

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

In more detail, FIG. 20 shows a card issuer server 115 on the charge / use card transaction system shown in FIG. 18 through a transaction request process between the affiliated store terminal 140 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. The process of processing the transaction approval for the transaction amount requested through the use card of the charge / use card, and those of ordinary skill in the art to which the present invention pertains, reference and / or modification of this figure 20 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 It becomes, only the exemplary method shown in the figure 20 is not limited its technical characteristics.

Referring to FIG. 20, a transaction request process between the affiliated store terminal 140 and the bansa server 125 shown in FIG. 19 is made through the charge / use card manufacturing system shown in FIG. 2 and sold to a customer (or 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 charge is charged through the charge / use card charging system shown in FIG. 4 or FIG. 6 is shown in FIG. When the card issuer server 115 is received on the charged / used card transaction system, the card issuer server 115 corresponds to a card used for the charge / use card from the bansa server 125 through a communication network. Receive an authorization request message including information (2000), and read the card information included in the authorization request message to the card used of the charge / use card of the BIN information assigned to the card issuer Use card information including BIN information associated with the assignment is verified (2005).

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 ( 2010), 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 (2015). The bansa server 125 is connected to the affiliated store terminal 140. The full text of the approval result is transmitted to the affiliated store terminal 140 through the connected communication channel (2030).

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 (2010) In operation 2035, the card issuer server 115 checks whether the use card of the charge / use card is activated in association with the storage medium 1870.

If the use card of the charge / use card is not activated (2040), 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 (2015). The bansa server 125 transmits the full text of the approval result to the affiliated store terminal 140 through a communication channel connected with the affiliated store terminal 140 and outputs the received certificate result (2030).

On the other hand, if the use card of the charge / use card is activated (2040), 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 1870. Check the charged amount information charged through (2045).

According to an embodiment of the present invention, when the available amount information (or use amount ratio information) for each use card of the charge / use card is stored in the storage medium 1870, the card issuer server 115 may store the storage medium. In connection with 1870, it is preferable to further check the available amount information (or use amount ratio information) for each use card associated with the use card information corresponding to the card information.

According to the method of the present invention, the amount of money available for each use card includes the limit amount for each of the first to Nth cards, regardless of the amount (or balance) charged through the charge card. desirable.

For example, when the available amount of the first use card is 1 million won and the available amount of the second use card is 1 million won, if the amount (or balance) charged through the recharge card is 3 million won, The first use card can be used up to one million won of the recharge amount, and the second use card can be used up to one million won of the recharge amount.

Alternatively, when the amount of money available in the first use card is 1 million won and the amount of money available in the second use card is 1 million won, if the amount (or balance) charged through the charge card is 500,000 won, the first amount The use card can be used up to 500,000 won (or the balance) of the charge amount, and the second use card can also be used up to 500,000 won.

According to an embodiment of the present invention, the use amount ratio information for each use card may include a charge amount ratio for determining the limit amount for each of the first to Nth use cards based on the amount (or balance) charged through the charge card. It is preferable to include information.

For example, when the amount of the use amount of the first use card is 30% and the amount of the use amount of the second use card is 40%, if the amount (or the balance) charged through the charge card is 3 million won, The first use card can be used up to 900,000 won of the recharge amount, and the second use card can be used up to 1.2 million won of the recharge amount.

According to another exemplary embodiment of the present invention, when incentive information for each use card of a charge / use card is stored in the storage medium 1870, the card issuer server 115 may be connected to the storage medium 1870 to connect the card. It is preferable to further check incentive information for each use card associated with the use card information corresponding to the information.

If the charge card information associated with the use card information and the charge amount information charged through the charge card are not confirmed (2050), the card issuer server 115 generates a full text of an approval result including transaction error information. By transmitting to the bansa server 125 (2015), the bansa server 125 transmits the full text of the approval result to the affiliated store terminal 140 through the communication channel connected to the affiliated store terminal 140 (2030). .

On the other hand, when the charge card information associated with the use card information and the charge amount information charged through the charge card is confirmed (2050), the card issuing server 115 is the transaction type (eg, card) for the full approval request Issuer merchant transaction, domestic transaction, foreign transaction) and compare the transaction card information with the transaction type, the transaction type through the use card and the transaction type for the authorization request (eg, card issuer merchant transaction, Check the validity of the use card for each transaction type (2055).

According to an embodiment of the present invention, when the use card of the charge / use card is the first use card that can be used at the affiliate of the card issuer operating the charge / use card, the card issuer server 115 performs the transaction. It is preferable to check whether a type is the card issuer merchant transaction, and if the use card of the charge / use card is the first use card and the transaction type is confirmed as the card issuer affiliate transaction, use card by transaction type It is desirable to confirm that the effectiveness is satisfied.

According to another embodiment of the present invention, when the use card of the charge / use card is the second use card which can use the charge amount at a domestic merchant, the card issuer server 115 determines whether the transaction type is a domestic transaction. It is preferable to confirm, and when the use card of the charge / use card is the second use card and the transaction type is confirmed as a domestic transaction, it is preferable to confirm that the use card validity by transaction type is satisfied.

According to another embodiment of the present invention, when the use card of the charge / use card is the third use car which can use the charge amount at an overseas merchant, the card issuer server 115 determines whether the transaction type is an overseas transaction. It is preferable to confirm, and when the use card of the charge / use card is the third use card and the transaction type is confirmed as an overseas transaction, it is preferable to confirm that the use card validity by transaction type is satisfied.

If the validity of the use card for each transaction type is not confirmed (2060), 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 (2015). The bansa server 125 transmits the full text of the approval result to the affiliated store terminal 140 through a communication channel connected with the affiliated store terminal 140 and outputs the received certificate result (2030).

If the validity of the use card for each transaction type is confirmed (2060), the card issuer server 115 uses the charge / use card of the charge / use card through the charge amount information charged through the charge card of the charge / use card. Transaction approval for the transaction amount used (= transaction amount included in the approval request text) is processed (2065).

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.

According to an embodiment of the present invention, when the available amount information (or use amount ratio information) for each use card of the charge / use card is stored in the storage medium 1870, the use amount information for each use card (or use amount) Rate information), the card issuing server 115 determines the transaction amount based on a limit corresponding to the available amount information (or use amount ratio information) for each use card among the amounts charged through the charging card. It is advisable to handle transaction approval.

That is, when the available amount information (or use amount ratio information) for each use card is confirmed, the card issuer server 115 may approve the transaction for the transaction amount through the amount charged through the charge card. In addition, it is preferable to process the transaction approval for the transaction amount by calculating a limit amount corresponding to the usable amount information (or use amount ratio information) of the checked use card among the charged amount.

According to another exemplary embodiment of the present invention, when incentive information for each use card of a charge / use card is stored in the storage medium 1870, when the incentive information for each use card is confirmed, the card issuer server 115 may determine the incentive information. The incentive information (e.g., fee discount incentive information, mileage incentive information, coupon discount incentive information, etc.) for each identified use card is processed in connection with the storage medium 1870 to be applied to the transaction approval, or through the use card. It is characterized in that the processing to be provided.

For example, when the incentive information for each use card is confirmed, the card issuer server 115 may discount a fee, provide mileage, or apply a coupon discount according to the transaction approval through the use card. desirable.

Alternatively, when the incentive information for each use card is confirmed, the card issuer server 115 further includes fee discount incentive information, mileage incentive information, and coupon discount incentive information in the use card information stored in the storage medium 1870 ( Or by storing), it is preferable that the incentive is applied to the payment / financial transaction through the use card in the future.

If the transaction for the transaction amount is not approved through the use card of the charge / use card (2070), the card issuer server 115 generates a full text of an authorization result including transaction error information to the bansa server 125. (2015), the bansa server 125 transmits the full text of the approval result to the affiliated store terminal 140 through a communication channel connected with the affiliated store terminal 140 and outputs the generated 2020.

On the other hand, if a transaction for the transaction amount is approved through the use card of the charge / use card (2070), the card issuer server 115 links the charge / use card with the storage medium 1870 to the charge card. Subtract the transaction amount authorized through the use card of the charge / use card from the charge amount charged through 2075 and generate the full text of the approval result including the transaction approval information corresponding to the transaction approval process. In step 2080, the bansa server 125 transmits the full text of the approval result to the affiliated store terminal 140 through the communication channel connected to the affiliated store terminal 140, and outputs the received certificate result (2030).

FIG. 21 is a diagram illustrating a domestic card method purchase process for a use card transaction of a charge / use card according to a second embodiment of the present invention.

More specifically, FIG. 21 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. 20, 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 of ordinary skill in the art to which the present invention pertains, refer to FIG. 21 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 implementation methods inferred, as shown in Figure 21 The technical features are not limited only to the illustrated embodiment.

For example, in FIG. 21, the card issuer server 115 that processes the transaction process through the use card of the charge / use card shown in FIG. The present invention is not limited by the present invention, and it is possible to perform a check purchase and request process on the bansa server 125 provided with the full approval result according to the intention of the skilled person, and the present invention provides the bansa server 125 Is clearly included in the process of confirming and requesting the purchase of the document.

Referring to FIG. 21, 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. 20, the card issuer server 115 performs the charging. Check whether the purchase of the slip for the transaction approval through the use card of the use card is performed (2100).

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 (2105), the card issuer server 115 performs a transaction process through the use card of the charge / use card shown in FIG. On the basis of the transaction history generated in step 2110, the document purchase information for 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 the use card of the charge / use card based on the slip purchase information according to a preset slip purchase procedure (2115).

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 according to the affiliated document purchase procedure (2120), the card issuer server 115 may determine the use card of the charge / use card. The result of the document purchase is stored (2125).

FIG. 22 is a diagram illustrating a configuration of a ticket purchaser affiliate recharge / use card transaction system according to a third embodiment of the present invention.

More specifically, FIG. 22 is manufactured through the charging / using card manufacturing system shown in FIG. 2 and sold (or paid) to a customer, and charged through the charging / using card charging system shown in FIG. 4 or 7. In the charge / use card in which the amount is charged, a first use card usable in a merchant of a card issuer operating the charge / use card and the charge amount charged through the charge card of the charge / use card and the charge amount Regarding a recharge / use card transaction system that uses a second use card that can be used in a domestic merchant and a payment / financial transaction using any one of the third use cards that can be used in an overseas merchant, Specifically, the second use card which can use the charge amount in a domestic merchant is used as the use card of the charge / use card, and the charge It shows a charge / use card transaction system that processes a payment / financial transaction by recognizing the use card of a use card as a slip purchase affiliate card of a slip purchaser.

Those skilled in the art to which the present invention pertains can refer to and / or modify this drawing 22 to infer various implementation methods for the purchase of credit card affiliate recharge / use card transaction system. 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. 22, 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. 22, 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 140 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 transactions for payment, it is possible to infer the system configuration for the financial transaction or online payment through the payment through the merchant terminal 140, the financial in this figure 22 A system configuration for transaction or online payment will be omitted.

Hereinafter, technical features of the recharge / use card transaction system will be described in the flowchart of FIG. 22 and a flow diagram connected thereto, referring to a “use card” of the recharge / use card for convenience as a second use card that can use the recharge amount at a domestic merchant. Shall be.

Referring to FIG. 22, the voucher affiliated charge / use card transaction system may be manufactured and sold to a customer through an affiliated store terminal 140 provided at an affiliated store and the charge / use card manufacturing system shown in FIG. 2. The card issuing server 115 and a card issuing server 115 operating a charge / use card in which a charged amount is charged through the charge / use card charging system shown in FIG. 4 or 7 and the merchant terminal 140. Bansa server 125 for relaying the transmission of the entire request for approval to the professional relay target, and the purchase agent server 130 for processing the purchase of the business card for the foreign card transaction and the use card of the charge / use card 130 Further, the card brand company server 135 for requesting and processing payment approval to the overseas issuer through the foreign card-related approval request provided from the document purchaser is further provided. It is characterized by comprising.

In FIG. 22, 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 of the skilled person and the purchaser of the slip 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 outdated in the form of an internal component of the server provided in the bansa according to an affiliated charge / use card transaction system implementation method. It is clear that it is.

In addition, although the document purchase company server 130 is illustrated as one server in FIG. 22 for convenience, this is merely an exemplary method for efficiently describing technical features of the document purchase company server 130 according to the present invention. According to the intention and the purchase method of the affiliated charge / use card transaction system of the purchaser, the purchase company server 130 is implemented in the form of a system consisting of a plurality of servers for each function component, or the internal configuration of the server provided in the purchase company It is clear that it can be spherical in element form.

In addition, in FIG. 22, the card brand company server 135 is illustrated as one server for convenience, but this is merely an exemplary method for efficiently describing the technical features of the card brand company server 135 in the present invention. According to the intention of the person skilled in the art and the purchase method of the affiliate purchase / use card transaction system of the card brand company 135 is implemented in the form of a system consisting of a plurality of servers for each function component, or provided in the card brand company It is clear that the server may be spherical in the form of internal components.

In addition, although the card issuer server 115 is illustrated as one server in FIG. 22 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 purchase method of the purchaser affiliate charging / use card transaction system, the card issuer server 115 is implemented in the form of a system consisting of a plurality of servers for each function component, or is provided in the card issuer It is clear that the server may be spherical in the form of internal components.

The affiliated store terminal 140 may include at least one CAT (Credit Authorization Terminal) or a POS (Point Of Sales) terminal equipped with a payment function for a payment transaction through a 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 140 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, installment months, etc.) through an input device, the bansa server 125 generates an authorization request message including the card information, the transaction information, and the affiliated store information, through a communication network. It characterized in that the transmission to.

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 140 provided in the merchant, x.25 based communication network, encryption / By connecting a communication channel with at least one professional relay target server through a dedicated communication network including at least one decryption-based communication network, the affiliated store terminal 140 and the specialized relay target server.

According to an exemplary embodiment of the present invention, when the card information included in the approval request message is a card issued by a domestic card company (or financial company), the bansa server 125 receives the approval request message received from the affiliated store terminal 140. It is preferable to relay transmission to the server provided in the domestic card company (or financial company).

According to another exemplary embodiment of the present invention, when the card information included in the approval request message is an overseas card issued by an overseas card issuer, the bansa server 125 receives the approval request message received from the affiliated store terminal 140. It is preferable to relay transmission to the document purchase company server 130 (for example, a card company server, a financial company server, etc.) provided in the preset overseas card slip company.

According to the method of the present invention, the bansa server 125 receives the full text of the authorization request encrypted with the bansa encryption key from the merchant terminal 140, decrypts the full auth request with the decryption key of the bansa, 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 it to the specialized relay target server.

The document purchase company server 130 is a server provided to a domestic card company (or financial company), the card information included in the full text of the authorization request received from the bansa server 125 is the document purchase company (for example, domestic card company, or financial company) If it is recognized as a domestic card issued by the), the document purchase company server 130 as a card company (or financial company) for the domestic card transaction authorization limit amount (for example, credit limit, or balance of the linked account for the domestic card) ) And the transaction processing for the transaction amount included in the transaction information through the transaction approval limit amount, and the card information included in the full text of the authorization request received from the bansa server 125 When recognized as an overseas card affiliated with a particular purchase company, the purchase company server 130 is the authorization request through the card brand network of the card brand company Door (e.g., a specialized protocol converted to the transaction corresponding to the card brand network), characterized in that the relay transmission by the card company server brand 135. The

According to the embodiment shown in FIG. 22, the voucher purchase company server 130 reads the card information included in the full text of the authorization request received from the bansa server 125 (for example, reads BIN information) and thus the card information. Is a card used for the charge / use card affiliated with the document purchaser, and if the card information included in the authorization request text is confirmed as a use card for the charge / use card affiliated with the document purchaser, The card issuer server 115 may be relayed and transmitted.

According to an embodiment of the present invention, the voucher purchaser server 130 receives and decrypts the entire authentication result encrypted by the encryption key of the voucher purchaser server 130 from the bansa server 125 and included in the authorization request message. It is desirable to verify the information, transaction information and merchant information.

According to one embodiment of the present invention, when the card information is a domestic credit card, the document purchase company server 130 grants a transaction approval limit amount (eg, credit limit amount) for the charge / use card and a transaction for a certain period of time. Checking the accumulated 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 it 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 voucher purchaser server 130 checks the transaction approval limit amount (eg, 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, because the technical features of the merchant terminal 140, the bansa server 125 and the purchase company server 130 operating as described above will be familiar with the technical features. For the sake of brevity, a more detailed description thereof will be omitted.

The card brand company server 135 receives an entire authorization request message including card information including its BIN information through each card brand network (eg, a visa network and a master card network), and reads the BIN information. To confirm the overseas issuer, and relay the transmission of the entire request for approval to the confirmed overseas issuer to request transaction approval.

The card issuing server 115 may use card information including BIN information associated with a card used for the charge / use card among BIN information allocated to the document purchase company from the document purchase company server 130. When the authorization request message is received, the card information included in the authorization request message is read, and the BIN information assigned to the affiliated document purchaser includes the BIN information associated with the allocation to the use card of the charge / use card. Check the use card information, the charge card information of the charge / use card associated with the use card information, the charge amount information charged through the charge card, and the charge amount information charged through the charge card. It is characterized in that the approval of the transaction amount included in the full text of the request for approval.

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, including the BIN information associated with the allocation to the use card of the charge / use card of the BIN information assigned to the ticket purchase company, or including the BIN information dedicated to the domestic card It is preferable to make.

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. 22, the bansa server 125 may include an interface unit 2200 for connecting and managing a communication channel with an affiliated store terminal 140 provided at the affiliated store through a communication network (eg, a public communication network), and the interface. The approval request message receiving unit 2205 (or a professional receiving means) for receiving the approval request message through the communication channel in association with the unit 2200, and the card information included in the received approval request message is read and the approval request is made. Special relay target confirmation unit (2215) (or card verification means) for confirming the special relay target server to relay the full text, and the approval request professional transmission unit 2220 for transmitting the approval request message to the identified professional relay target server (Or a professional relaying means), an approval result message receiving unit 2225 for receiving an approval result text including a transaction history corresponding to the approval request message from the specialized relay target server; In connection with the interface unit 2200 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 2210 to transmit to the merchant terminal 140.

The interface unit 2200 transmits and receives transaction-related professional transmission and reception with the affiliated store terminal 140 provided at the affiliated store through a communication protocol corresponding to a communication network connecting the bansa server 125 and the affiliated store terminal 140 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.

After reading the card information from the charge / use card through the card reader in the affiliated store terminal 140 to which the communication channel is connected, and input transaction information (eg, transaction amount, installment months, etc.) through a key input device, When generating an authorization request message including the card information, transaction information, and the affiliate information, and transmitting it through a communication network, the authorization request message receiving unit 2205 is connected to the interface unit 2200 from the affiliated store terminal 140. Characterized in receiving the full approval request.

If the approval request message is encrypted and transmitted from the affiliated store terminal 140 through the bansa encryption key, the approval request message receiving unit 2205 preferably decrypts the encrypted approval request message.

When the approval request message is received, the specialized relay target confirmation unit 2215 reads the BIN of the 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. If the card information included in the authorization request text is not a domestic card (for example, an overseas card including a BIN of a card brand company), the slip purchase company server 130 that purchases a slip for the foreign card corresponding to the card information. It is preferable to comprise a.

According to the implementation method illustrated in FIG. 22, the specialized relay target confirmation unit 2215 recognizes a use card of a charge / use card associated with the slip purchase company as a card issued by the slip purchase company, thereby relaying the specialized relay. The target confirmation unit 2215 may check the full-text relay target server for the authorization request message including the card information corresponding to the use card of the charge / use card to the slip purchase company server 130.

When the specialized relay target server to which the approval request telegram is relayed is confirmed by the specialized relay target confirmation unit 2215, the approval request specialized transmission unit 2220 may be configured 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 2225 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 2210 connects with the interface unit 2200 to receive the approval result message including the transaction history through the communication channel in the affiliate store. Characterized in that the transmission to the terminal 140, in this case, the interface unit 2200 preferably further performs the process of verifying that the full text of the approval result is transmitted to the affiliated store terminal 140.

According to the present invention, the voucher purchaser server 130 is provided with a BIN information D / B (2263) for storing the BIN information for the card issued by the voucher, and the card attribute information for each BIN of the card in association with Or a DBMS operating the BIN information D / B 2263, or a DB server (not shown) provided with the BIN information D / B 2263.

In this case, the BIN information for the card issued by the ticket purchaser includes the BIN information assigned to the use / use card of the charge / use card among the BIN information assigned to the ticket purchaser, or a BIN information dedicated to a domestic card. It is desirable to include information.

According to the embodiment shown in FIG. 22, the BIN information stored in the BIN information D / B 2263 is associated with a ticket purchaser in the card issuer, in addition to the BIN information corresponding to the card issued by the ticket purchaser. It is preferable to further comprise BIN information corresponding to the use card of the charge / use card produced and sold (or paid) to the customer, whereby the voucher purchaser server 130 is the BIN information D / B (2263) Recharge / use card produced and sold (or paid) to the customer by the card issuer in cooperation with the purchaser of the card among the card information included in the full approval request delivered from the bansa server 125 based on the BIN information stored in It is desirable to recognize and confirm the card used.

Here, the BIN information corresponding to the use card of the charge / use card is stored in the BIN information D / B 2263 through an alliance between the card issuer and the document purchaser, and corresponds to the use card of the charge / use card. The BIN information may be stored in a database other than the BIN information D / B 2263 which stores BIN information corresponding to a card issued by the slip purchase company, and thus the present invention is not limited thereto.

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

According to the present invention, the voucher purchase company server 130 stores and stores the card information corresponding to the card issued from the voucher, the card information corresponding to the card issued to the customer, card attribute information and card limit information A DB server (not shown) provided with a card management D / B 2267 or interworking with a DBMS operating the card management D / B 2267, or provided with the card management D / B 2267; It is preferable to interlock.

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. Do.

According to the present invention, the document purchase company server 130 is provided with a transaction history D / B (2265) for storing the transaction approved transaction history information when the transaction is approved through the card issued by the document purchase company, or the It is preferable to link with a DBMS operating the transaction history D / B (2265), or in conjunction with a DB server (not shown) having the transaction history D / B (2265).

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 included in the card management D / B 2267, and preferably includes a card number. The card information includes the card management D / B 2267 through the card information. The transaction history D / B 2265 is preferably linked in a relational manner.

The transaction approval date and time, it is preferable that the document purchase company server 130 includes the date and time information of the transaction approval processing through the card.

The transaction approval amount is preferably made of the transaction information through the card in the document purchase company server 130, the settlement amount 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 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 document purchase company server 130 when the transaction is approved through the card.

Referring to FIG. 22, the voucher purchaser server 130 may include a communication unit 2230 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 2230. Receiving unit (2235) (or a professional receiving means) for receiving the authorization request full text from the bansa server 125 in association with the card information included in the received authorization request full text is a card issued by the slip purchase company, Or a card information confirming unit for confirming whether the card is a used card of a charge / use card including BIN information of the document purchaser or an overseas card including BIN information of a card brand company affiliated to process the document purchase business. (2245) (or the card confirming means) and if the card information is confirmed (or recognized) by the card issued by the voucher purchaser, confirm the transaction approval limit amount corresponding to the card information. And a card transaction approval unit 2250 for processing a transaction for the transaction amount included in the approval request text through the confirmed transaction approval limit amount, and a transaction history including the transaction approval result. And a transmission unit 2240 for generating a full text of an approval result including transaction details and transmitting the generated full text of the approval result to the bansa server 125 through the communication channel in connection with the communication unit 2230. When the transaction is approved by the card transaction approval unit 2250, the transaction history storage unit 2253 stores transaction history information included in the transaction history in the transaction history D / B 2265. It is characterized by further comprising.

The communication unit 2230 connects the communication channel for transceiving a professional transaction with the bansa server 125 through a communication protocol corresponding to a communication network connecting the slip purchase company server 130 and the bansa server 125. It is done.

When the bansa server 125 transmits the full approval request message through the communication channel, the receiving unit 2235 is connected with the communication unit 2230 and includes at least one or more card information, transaction information, and merchant information. It is characterized by 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 2235 preferably decrypts the encrypted permission request message.

When the authorization request message is received, the card information confirmation unit 2245 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 slip. Is the card issued by the purchaser, or is the card used in the charge / use card containing the BIN information of the card brand company, or is an overseas card including the BIN information of the card brand company affiliated to process the document purchase business. It is characterized by checking.

If the card information is confirmed (or recognized) by a card issued by the slip purchase company, the card information checking unit 2245 is a card whose card is reported lost in the process of checking the card information, or an unusable condition (for example, It is preferable that the card further comprises the step of checking whether the card is satisfied, or the card has expired.

If the card information is confirmed (or recognized) by the card issued by the slip purchase company, the card transaction approval unit 2250 is card limit information provided in connection with the card information in the card management D / B (2267) It is characterized in that the transaction approval limit amount corresponding to the check, and based on the confirmed transaction approval limit amount, the transaction processing for the transaction amount included in the approval request full text.

According to the embodiment of the present invention, the card transaction approval unit 2250 first checks the transaction approval limit amount in association with the card information in connection with the card management D / B 2267 (for example, 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 2250 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 2250 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 (eg, a prepaid card transaction attribute), the card transaction approval unit 2250 may determine the amount of charge 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 the card is confirmed, the card transaction approval unit 2250 may approve a transaction attribute or transaction for each transaction attribute of 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 2250 may schedule a schedule in connection with the transaction history D / B 2265. 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 transaction approval unit 2250 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 transaction approval unit 2250 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 transaction approval unit 2250 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 2250 may execute 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 transaction approval unit 2250 preferably processes the transaction.

When the transaction approval procedure for the transaction amount is completed by the card transaction approval unit 2250, the transmission unit 2240 includes a transaction including a result of the transaction approval approved by the card transaction approval unit 2250. 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 2240 generates a full text of an approval result including the transaction history, and the transmission unit 2240 connects the communication channel with the communication unit 2230. 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 2250, the transaction history storage unit 2253 may include card information included in the transaction history generated by the transmission unit 2240, 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 2265.

Referring to FIG. 22, the voucher purchaser server 130 confirms (or recognizes) the card information using a charge / use card of the charge / use card including the BIN information of the voucher purchaser through the card information checker 2245. ), Transmitting the authorization request message to the card issuer server 115 through a communication network, and receiving an authorization result message including a transaction history corresponding to the authorization request message from the card issuer server 115. Characterized in that the use card is provided with a specialized processing unit (or specialized relay means).

When the card information is confirmed (or recognized) by the use / use card of the charge / use card including the BIN information of the slip purchaser, through the card information checking unit 2245, the use card specialized processing unit communicates with the card issuer. Characterized in that the transmission of the authorization request to the card issuer server 115 through the channel.

Subsequently, when an authorization result message including a transaction corresponding to the authorization request message is transmitted from the card issuer server 115, the use card specialty processing unit is transmitted from the card issuer server 115 through the communication network. Characterized in that for receiving the full text of the approval result including a transaction history corresponding to the full text of the approval request.

Referring to FIG. 22, the document purchase company server 130 may include, through the card information verification unit 2245, the card information including BIN information of a card brand company affiliated with the document purchaser to process a document purchase business. When the card is confirmed (or recognized), the authorization request message is transmitted to the card brand company server 135 through the card brand network corresponding to the card brand company through the card brand network, and the card brand company server 135 It is characterized in that it comprises a foreign specialty processing unit (2255) for receiving the approval result full text including the overseas card transaction history corresponding to the full approval request from the.

When the card information is confirmed (or recognized) by the card information confirming unit 2245 as an overseas card including the BIN information of a card brand company affiliated to allow the document purchaser to process the document purchasing business, the foreign professional processing unit 2255 ) Transmits the approval request message to the card brand company server 135 through the card brand network corresponding to the card brand company through the card brand network.

Subsequently, when an authorization result message including an overseas card transaction history corresponding to the authorization request message is transmitted from the card brand company server 135, the overseas expert processing unit 2255 transmits the card brand through the card brand network. Receiving the full text of the approval result including the foreign card transaction history corresponding to the full text of the authorization request from the company server (135).

Referring to FIG. 22, the document purchase company server 130 receives a full text of an approval result including an overseas card transaction history including transaction approval information through the overseas specialty processing unit 2255, or the full text of the use card. After a certain period of time (or when the purchase of the document is charged) after receiving the full text of the approval result including the transaction details of the use card of the charge / use card including the transaction approval information, the approval result It is characterized in that it further comprises a slip purchase processing unit 2260 (or slip purchase processing means) for purchasing a slip for the foreign card transaction history included in the full text.

If a certain period has elapsed after receiving a full text of an approval result including an overseas card transaction history including transaction approval information through the overseas specialized processing unit 2255, or a purchase of a slip for the overseas card is requested, Slip purchase processing unit 2260 is characterized in that the purchase process for the slip on the foreign card transaction history included in the full text of the approval result in accordance with the purchase procedure corresponding to the overseas card.

After a certain period has elapsed after receiving the full text of the approval result including the transaction history for the use card of the charge / use card including the transaction approval information through the use card specialized processing unit, or the purchase of the document is charged The document purchase processing unit 2260 is a transaction for the use card of the charge / use card included in the approval result in accordance with the affiliated document purchase procedure of purchasing a document of the affiliate issuing affiliate to purchase the document from the document purchase company Characterized in that the purchase of the document for the breakdown.

According to the present invention, the card brand company server 135 stores in association with one or more BIN information assigned by the card brand company to a foreign card issuer as well as a domestic card company, and stores the issuer information corresponding to the BIN information. DB server provided with an issuer BIN D / B 2280 or interworking with a DBMS operating the issuer BIN D / B 2280 or having the issuer BIN D / B 2280 It is preferable to link with).

Here, the BIN information preferably includes a BIN assigned by the card brand company to at least one overseas issuer as well as a domestic card company.

The issuer information preferably comprises information identifying a domestic card company that has issued a card including the BIN information to at least one overseas issuer.

Referring to FIG. 22, the card brand company server 135, through the card brand network affiliated to receive the full authorization request including the transaction information and the card information recognized as an overseas card from the document purchase company server 130 Confirming the BIN information corresponding to the card information included in the full text receiving unit 2270 and the approval request text, and confirming the issuer information corresponding to the BIN information in association with the issuer BIN D / B 2280; An issuer confirmation unit 2273 and a transaction approval request unit 2275 which relays the entire authentication request message to the confirmed issuer server and requests a transaction approval of a transaction amount through a card corresponding to the card information; Receive the full text of the approval result including the foreign card transaction history corresponding to the transaction approval result from the issuer server, and sells the received full text of the approval result through the card brand network Characterized in that formed in cooperation with a specialized processing unit (2277) for transmitting to the relay company server 130.

When the document purchase company server 130 transmits the approval request message including the card information and the transaction amount recognized as an overseas card through the card brand network, the affiliated professional receiving unit 2270 receives the document purchase company through the card brand network. Characterized in that the server receives the authorization request message containing the card information and the transaction amount recognized as an overseas card from the 130.

When the approval request message is received from the document purchase company server 130, the issuer checking unit 2273 checks BIN information corresponding to the card information included in the received approval request message, and the issuer BIN D It is characterized in that the issuing company information corresponding to the BIN information in conjunction with / B (2280).

When the issuer information corresponding to the BIN information corresponding to the card information included in the full approval request is confirmed through the issuer checking unit 2273, the transaction approval request unit 2275 returns to the confirmed issuer server. It is characterized in that the request for approval of the transaction of the transaction amount through the card corresponding to the card information by relaying the transmission of the approval request.

When the issuing server transmits the full text of the approval result including the overseas card transaction details corresponding to the transaction approval result, the affiliated professional processing unit 2277 transmits the foreign card transaction history corresponding to the transaction approval result from the issuer server. Receiving the full text of the approval result, including, and relays the received approval results full text through the card brand network to the document purchase company server 130.

Referring to FIG. 22, the card issuer server 115 is manufactured through the charge / use card manufacturing system shown in FIG. 2 and sold (or paid) to a customer, and is shown in FIG. 4 or 7. A server for operating a charge / use card in which a charge amount is charged through a charge / use card charging system, wherein the card information corresponding to the use card of the charge / use card associated with the slip purchase company is received from the slip purchase company server 130; The transaction request message receiving unit 2283 (or the specialized receiving means) for receiving the authorization request text including transaction value information and the card information included in the authorization request message are read and assigned to the document purchaser affiliated with the card issuer. Of the BIN information, the usage card information including the BIN information associated with the allocation to the usage card of the charge / redemption card and the charge / redemption card associated with the redemption card information An information confirmation unit 2285 that checks card information, charge amount information charged through the charge card, and confirms a transaction type (eg, a card issuer, a merchant transaction, a domestic transaction, or an overseas transaction) for the entire authorization request. (Or information confirmation means) and the transaction type through the use card information and the transaction type (for example, card issuer, merchant transaction, domestic transaction, overseas transaction) through the use card information by comparing the transaction type with the use card information. Validation unit 2287 (or validation means) for checking the validity of the use card for each transaction type to check whether the match, and when the validity of the use card for each transaction type, the charge charged through the charge card of the charge / use card A transaction 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 amount information A transaction result message transmission unit 2293 (or a transaction result message transmission unit 2293) (or a transaction approval processing means) and an authorization result message including the transaction history corresponding to the transaction approval process is transmitted to the document purchase company server 130 (or Specialized transmission means), wherein the information confirming unit 2285 reads the card information included in the full text of the request for approval of the transaction, and the first through the charge / use card matching the card information. Characterize the N-th use card information.

According to an aspect of the present invention, when the usable amount information (or use amount ratio information) for each use card of the charge / use card is stored in the storage medium 2295, the information checking unit 2285 stores the storage medium 2295. Check the available amount information (or use amount ratio information) for each use card associated with the use card information corresponding to the card information, and the transaction approval processing unit 2290 It is characterized in that the transaction approval for the transaction amount is processed based on a limit corresponding to the available amount information (or use amount ratio information) for each use card among the charged amount.

According to another aspect of the present invention, when incentive information for each use card of a charge / use card is stored in the storage medium 2295, the information checking unit 2285 is connected to the storage medium 2295 to provide the card information. And confirm incentive information for each use card associated with corresponding use card information, and the transaction approval processing unit 2290 approves the transaction using the confirmed incentive information for each use card in association with the storage medium 2295. Processing to be applied to, or characterized in that the processing to be provided through the use card.

The transaction request message receiving unit 2283 may receive an authorization request message including card information and transaction value information corresponding to a use card of the charge / use card from the slip purchase company server 130.

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 2283, the information confirming unit 2285 transmits to the approval request message. Read the included card information to check the use card information including the BIN information associated with the allocation of the use card of the charge / use card of the BIN information assigned to the ticket purchaser affiliated with the card issuer .

When the use card information of the charge / use card is confirmed, the information verification unit 2285 checks the charge card information of the charge / use card associated with the use card information in association with the storage medium 2295, and charges the Characterized in that the check the amount of charge information charged through the card.

In addition, the information confirmation unit 2285 is characterized in that for confirming the transaction type (eg, card issuer merchant transaction, domestic transaction, foreign transaction) for the full authorization request.

According to the exemplary embodiment of the present invention, the information checking unit 2285 may further include checking whether the use card information and the charging card information are activated in association with the storage medium 2295.

When the use card information of the charge / use card and the transaction type (eg, a card issuer, a merchant, a domestic transaction, or a foreign transaction) are confirmed through the information verification unit 2285, the validity verification unit 2287 uses the card. By comparing the information and the transaction type, the validity of the usage card for each transaction type that checks whether the transaction type through the use card and the transaction type (eg, card issuer, merchant, domestic transaction, and foreign transaction) for the authorization request text is matched. It is characterized by checking.

According to an embodiment of the present invention, when the use card of the charge / use card is the first use card that can be used at the affiliate of the card issuer operating the charge / use card, the validity confirming unit 2287 is the transaction type. It is preferable to check whether the card issuer is a merchant transaction, and if the use card of the charge / use card is the first use card and the transaction type is confirmed as the card issuer merchant transaction, the use card validity by transaction type is valid. It is desirable to confirm that it satisfies.

According to another exemplary embodiment of the present invention, when the use card of the charge / use card is the second use card which can use the charge amount at a domestic merchant, the validity confirming unit 2287 confirms whether the transaction type is a domestic transaction. Preferably, when the use card of the charge / use card is the second use card and the transaction type is confirmed as a domestic transaction, it is preferable to confirm that the validity of the use card for each transaction type is satisfied.

According to another embodiment of the present invention, when the use card of the charge / use card is the third use car which can use the charge amount at an overseas merchant, the validity confirming unit 2287 checks whether the transaction type is an overseas transaction. Preferably, when the use card of the charge / use card is the third use card and the transaction type is confirmed as an overseas transaction, it is preferable to confirm that the validity of the use card for each transaction type is satisfied.

Through the information confirming unit 2285, the amount of charge information charged through the charge card associated with the use card of the charge / use card is confirmed, and the validity check unit 2287 confirms the validity of the use card for each transaction type. When the transaction approval processing unit 2290 uses a charge card of the charge / use card through the charge amount information charged through the charge card of the charge / use card (= transaction included in the authorization request full text) Transaction approval for the amount of money).

According to the implementation method of the present invention, the transaction approval processing unit 2290 is a transaction amount (= 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 the transaction 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 2290 may be configured to subtract the approved amount from the charged amount charged through the charging card in association with the storage medium 2295.

According to an exemplary embodiment of the present invention, when the usable amount information (or use amount ratio information) for each use card of the charge / use card is stored in the storage medium 2295, the information checking unit 2285 may determine the storage medium ( 2295), it is preferable to further check the available amount information (or use amount ratio information) for each use card associated with the use card information corresponding to the card information, and if the use amount information for each use card (or When the use amount ratio information) is confirmed, the transaction approval processing unit 2290 may use the transaction amount based on a limit corresponding to the use amount information (or use amount ratio information) for each use card among the amounts charged through the charge card. It is desirable to handle transaction approval for.

That is, when the available amount information (or use amount ratio information) for each use card is confirmed through the information confirming unit 2285, the transaction approval processing unit 2290 performs the transaction amount through the amount charged through the charging card. Instead of approving a transaction for the transaction, the transaction is approved for the transaction amount by calculating a limit amount corresponding to the available amount information (or usage amount ratio information) of the used credit card among the charged amount. It is preferable.

According to an embodiment of the present invention, the amount of money available for each use card may include a limit amount for each of the first to Nth use cards, regardless of the amount (or balance) charged through the charge card. Do.

For example, when the available amount of the first use card is 1 million won and the available amount of the second use card is 1 million won, if the amount (or balance) charged through the recharge card is 3 million won, The first use card can be used up to one million won of the recharge amount, and the second use card can be used up to one million won of the recharge amount.

Alternatively, when the amount of money available in the first use card is 1 million won and the amount of money available in the second use card is 1 million won, if the amount (or balance) charged through the charge card is 500,000 won, the first amount The use card can be used up to 500,000 won (or the balance) of the charge amount, and the second use card can also be used up to 500,000 won.

According to an embodiment of the present invention, the use amount ratio information for each use card may include a charge amount ratio for determining the limit amount for each of the first to Nth use cards based on the amount (or balance) charged through the charge card. It is preferable to include information.

For example, when the amount of the use amount of the first use card is 30% and the amount of the use amount of the second use card is 40%, if the amount (or the balance) charged through the charge card is 3 million won, The first use card can be used up to 900,000 won of the recharge amount, and the second use card can be used up to 1.2 million won of the recharge amount.

According to another exemplary embodiment of the present invention, when incentive information for each use card of a charge / use card is stored in the storage medium 2295, the information checking unit 2285 associates the card information with the storage medium 2295. It is preferable to further check incentive information for each use card associated with the use card information corresponding to the present invention. If the incentive information for each use card is confirmed, the transaction approval processing unit 2290 is connected to the storage medium 2295. The confirmed incentive information for each use card (eg, fee discount incentive information, mileage incentive information, coupon discount incentive information, etc.) is processed to be applied to the transaction approval, or is processed to be provided through the use card. .

For example, when incentive information for each of the use cards is confirmed through the information checking unit 2285, the transaction approval processing unit 2290 may discount the fee according to the transaction approval through the use card, or provide mileage or , Or apply a coupon discount.

Alternatively, when the incentive information for each use card is confirmed through the information checking unit 2285, the transaction approval processing unit 2290 may include fee discount incentive information, mileage incentive information, and the like on the use card information stored in the storage medium 2295. By further storing (or linking) the coupon discount incentive information, it is preferable to process the incentive to be applied in a future payment / financial transaction through the use card.

A 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 2290 (= transaction amount included in the full approval request) When the transaction is processed, the transaction result transmission unit 2293 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 generated and transmitted to the document purchase company server 130 through the communication network, the approval result text is transmitted to the bansa server 125 via the document purchase company server 130, the bansa Server 125 is characterized in that for transmitting the full text of the approval result to the merchant terminal 140.

FIG. 23 is a diagram illustrating a transaction request process between an affiliated store terminal 140 and a bansa server 125 according to a third embodiment of the present invention.

In more detail, FIG. 23 shows a full text of an authorization request from the affiliated store terminal 140 on the voucher affiliated charging / using card transaction system shown in FIG. 22 and transmits it to the bansa server 125. The bansa server 125 In the process of confirming the professional relay target server for the approval request full text, and relaying the approval request full text to the specialized relay target server, if the person having ordinary knowledge in the technical field to which the present invention belongs, Although various implementation methods for the transaction request process between the affiliated store terminal 140 and the bansa server 125 may be inferred by referring to and / or modifying the drawing 23, the present invention includes all the implementation methods inferred above. It is made, the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 23, the merchant terminal 140 on the offline slip purchaser affiliate charge / use card transaction system shown in FIG. 22 reads card information from the customer card through a card reader, and transaction information through a key input means. (E.g., transaction amount, installment months, etc.) (2300), and generates a full text of the authorization request including the input card information and transaction information and merchant information stored in the merchant terminal 140 (2305).

Here, the customer card is produced through the charge / use card manufacturing system shown in Figure 2 and sold (or paid) to the customer, the charge amount through the charge / use card charging system shown in Figure 4 or 7 It is preferable to include the use card of the charged charge / use card.

Thereafter, the affiliated store terminal 140 connects the communication channel for professional transmission and reception with the bansa server 125 through the communication network (eg, a public communication network) (2310).

If the communication channel is connected (2315), the affiliated store terminal 140 transmits the full text of the authorization request to the bansa server 125 through the communication channel (2320), and correspondingly the bansa server 125 Receives the approval request message transmitted from the affiliated store terminal 140 through the communication channel (2325).

According to an embodiment of the present invention, when the approval request is encrypted and transmitted from the affiliated store terminal 140 through the bansa's encryption key, the bansa server 125 decrypts the encrypted approval request transcript. desirable.

Thereafter, the bansa server 125 reads card information included in the approval request text to confirm BIN information (2330), and reads the checked BIN information to relay a specialized relay target server to transmit the approval request text. Check (2335).

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. If the card information included in the authorization request text is not a domestic card (for example, an overseas card including a BIN of a card brand company), the slip purchase company server 130 that purchases a slip for the foreign card corresponding to the card information. It is preferable to comprise a.

According to the implementation method illustrated in FIG. 22, the bansa server 125 recognizes the use card of the charge / use card associated with the slip purchase company as a card issued by the slip purchase company, and thus the bansa server 125. It is preferable that the professional purchase target server for the approval request message including the card information corresponding to the use card of the charge / use card to the purchase agent server 130.

.

If the specialized relay target server to relay the approval request message is confirmed (2340), the bansa server 125 relays the approval result message to the identified professional relay target server (2345).

FIG. 24 is a diagram illustrating a transaction processing procedure of the document purchase company server 130 according to the third embodiment of the present invention.

More specifically, FIG. 24 confirms the document purchase company server 130 on the document purchase company affiliated charge / use card transaction system shown in FIG. 22 through a transaction request process shown in FIG. In the case of relay transmission of the full text, the document purchase company server 130 reads the BIN of the card information included in the approval request message, and the card information included in the approval request message is a card issued by the document purchase company, or Check whether the card is a used card of a charge / use card including the BIN information of the document purchaser or an overseas card including the BIN information of a card brand company affiliated to process the document purchase business, and the card information is the Upon confirmation (or recognition) with a card issued by the document purchaser, the transaction authorization for the full text of the authorization request is processed, or When the card is confirmed (or recognized) using the charge / use card including the BIN information of the purchaser of the document, the entire authorization request is relayed to the card issuer server 115, and the card information is associated with the purchaser of the document. When the card is confirmed (or recognized) by an overseas card including a BIN, it illustrates a process of relaying the authorization request message to the card brand company server 135 through the card brand network. Those skilled in the art will be able to infer various implementation methods for the transaction processing of the document purchase company server 130 by referring to and / or modifying the drawing 24. However, the present invention provides a method for implementing all the inferred implementation methods. It is made, including, and the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 24, through the transaction request process shown in FIG. 23, the document purchase company server 130 on the document purchase company affiliated charge / use card transaction system shown in FIG. In the case of relay transmission, the document purchase company server 130 receives the approval request text from the bansa server 125 (2400), and reads the BIN of the card information included in the approval request text to the card information. It is checked whether the corresponding card is a card issued by the slip purchase company (2405).

If the card corresponding to the card information is not a card issued by the slip purchase company (2410), the slip buying company server 130 reads the BIN of the card information to charge / use the card information is affiliated with the slip buying company Check whether the card is in use (2415).

If the card information is confirmed as the use card of the charge / use card associated with the purchase company (2420), the purchase company server 130 produces the charge / use card through a communication network to sell (or paid) to the customer One card issuer server 115 relays and transmits it (2425).

On the other hand, if the card information is not confirmed as a use card of a charge / use card affiliated with the purchase company (2420), the purchase company server 130 recognizes the card information as an overseas card, the card corresponding to the overseas card Through the brand network, the full text of the authorization request is processed according to the overseas card approval procedure (2430).

Those skilled in the art to which the present invention belongs, will be familiar with the technical features of the professional processing for the transaction approval of the foreign card, detailed description thereof will be omitted for convenience.

On the other hand, if it is confirmed (or recognized) by the card issued by the slip purchase company corresponding to the card information (2410), the slip purchase company server 130 checks the card information, transaction information and merchant information included in the full approval request In operation 2440, the card management D / B 2267 confirms a transaction approval limit amount for each transaction attribute corresponding to the card limit information provided in association with the card information (2440).

According to an exemplary embodiment of the present invention, when the card includes a postpaid transaction attribute (for example, credit card transaction attribute), the document purchase company server 130 stores the credit limit amount information included in the card limit information. It is advisable to check the transaction approval limit for.

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 document purchase company server 130 may be linked to the card limit information. It is preferable to check the account information, and check the balance information of the linked account in connection with the 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 document purchase company server 130 reads the charge amount information included in the card limit information. It is desirable to confirm with the transaction authorization limit amount on the card.

If the transaction approval limit amount by transaction attribute of the card is confirmed (2445), the document purchase company server 130 based on the transaction attribute for the transaction amount included in the approval request text based on the confirmed transaction approval limit amount. Transaction approval is processed (2450).

According to an exemplary embodiment of the present invention, when the card includes a postpaid transaction attribute (eg, credit card transaction attribute), the document purchase company server 130 may be linked to the transaction history D / B 2265 for a predetermined period of time. While confirming the cumulative transaction approval amount approved for the transaction through the card, adding the identified cumulative transaction approval amount and the transaction amount included in the transaction information, and adding the summed amount and the confirmed transaction approval limit amount (e.g., It is preferable to check whether the transaction approval or transaction error for the transaction amount 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 document purchase company server 130 may process the transaction.

According to another exemplary embodiment of the present invention, when the card includes a debit type transaction attribute (eg, a check card transaction attribute or a debit card transaction attribute), the document purchase company server 130 may set the transaction approval limit amount (eg, The balance of the linked account) and the transaction amount included in the transaction information may be compared to confirm whether the transaction is approved or the error of the transaction.

For example, when the transaction approval limit amount (eg, the balance of the linked account) is greater than the transaction amount, the document purchase company server 130 may process 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 document purchase company server 130 and the transaction approval limit amount (eg, a recharge amount) It is preferable to check the 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 document purchase company server 130 may process the transaction.

If the transaction approval processing result confirms that the transaction approval for each transaction attribute is not confirmed (2455), the document purchase company server 130 generates a full text of an approval result including transaction error information and transmits it to the bansa server 125 ( 2460), correspondingly, the bansa server 125 transmits and outputs the full approval result including the transaction error information to the affiliated store terminal 140 through a communication channel connected with the affiliated store terminal 140 (2465).

On the other hand, if the transaction approval processing result confirms the transaction approval for each transaction property (2455), the document purchase company server 130 generates a transaction history including the transaction approval result (2470).

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.

Thereafter, the voucher purchaser server 130 generates the full text of the approval result including the transaction history and transmits the full text to the bansa server 125 (2475). In response thereto, the bansa server 125 is a merchant terminal 140. The transmission of the approval result including the transaction history is transmitted to the affiliated store terminal 140 through the communication channel connected to the output (2465).

In addition, the document purchase company server 130 includes the transaction information including at least one or more card information included in the generated transaction history, transaction approval date, transaction approval amount, merchant information and transaction approval information; Stored in B (2265) (2480).

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

More specifically, FIG. 25 shows the card issuer server 115 on the document purchase company affiliated charge / use card transaction system shown in FIG. 22 through the transaction processing of the document purchase company server 130 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 charge is based on the charge amount charged through the charge card of the charge / use card at the card issuer server 115. / Shows a process of processing a transaction approval for the transaction amount requested through the use card of the use card, and those of ordinary skill in the art to which the present invention pertains, refer to and / or modify this drawing 25 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 implementation methods inferred from the above. Is made, the technical features are not limited only with the exemplary method shown in the figure 25.

Referring to FIG. 25, the document is purchased through a charge / use card manufacturing system shown in FIG. 2 through a transaction process of the document purchase company server 130 illustrated in FIG. 24, and then sold (or paid) to the customer. The purchase request affiliated charge of the document purchase request shown in FIG. When the card issuer server 115 is received on the card issuing system, the card issuer server 115 receives the card information corresponding to the use card of the charge / use card from the slip purchase company server 130 through a communication network. Receive the approval request message including a (2500), and reads the card information contained in the approval request full text of the charge / use card of the BIN information assigned to the document purchase company Check the used card information including the BIN information cooperation with allocating the use of the card (2505).

If the card information including the BIN information associated with the card information included in the approval request is read out and the BIN information assigned to the charge purchaser is assigned to the use card of the charge / use card is not confirmed (2510) The card issuer server 115 generates a full text of an approval result including transaction error information and transmits it to the document purchase company server 130 (2515), and the document purchase company server 130 is the bansa server 125. The full text of the approval result including the transaction error information is transmitted to the bansa server 125 (2525), and the bansa server 125 is connected to the affiliated terminal 140 through a communication channel. The transmission result of the approval is transmitted to the affiliated store terminal 140 and output (2530).

On the other hand, when the card information including the BIN information associated with the card information included in the approval request is read out and the BIN information assigned to the charge purchaser is assigned to the use card of the charge purchaser is confirmed (2510). In operation 2535, the card issuer server 115 checks whether the use card of the charge / use card is activated in association with the storage medium 2295.

If the use card of the charge / use card is not activated (2540), the card issuer server 115 generates a full text of the authorization result including the transaction error information and transmits it to the document purchaser server 130 (2515). ), The document purchase company server 130 transmits the full text of the approval result including the transaction error information to the bansa server 125 through a communication channel connected to the bansa server 125 (2525), and the bansa server ( 125 transmits and outputs the full text of the approval result to the affiliated store terminal 140 through a communication channel connected with the affiliated store terminal 140 (2530).

On the other hand, if the use card of the charge / use card is activated (2540), the card issuing server 115 in connection with the storage medium 2295 and the charge card information and the charge card associated with the use card information Check the charged amount information charged through (2545).

According to an embodiment of the present invention, when the available amount information (or use amount ratio information) for each use card of the charge / use card is stored in the storage medium 2295, the card issuer server 115 may store the stored medium. In connection with 2295, it is preferable to further check available amount information (or use amount ratio information) for each use card associated with the use card information corresponding to the card information.

According to an embodiment of the present invention, the amount of money available for each use card may include a limit amount for each of the first to Nth use cards, regardless of the amount (or balance) charged through the charge card. Do.

For example, when the available amount of the first use card is 1 million won and the available amount of the second use card is 1 million won, if the amount (or balance) charged through the recharge card is 3 million won, The first use card can be used up to one million won of the recharge amount, and the second use card can be used up to one million won of the recharge amount.

Alternatively, when the amount of money available in the first use card is 1 million won and the amount of money available in the second use card is 1 million won, if the amount (or balance) charged through the charge card is 500,000 won, the first amount The use card can be used up to 500,000 won (or the balance) of the charge amount, and the second use card can also be used up to 500,000 won.

According to an embodiment of the present invention, the use amount ratio information for each use card may include a charge amount ratio for determining the limit amount for each of the first to Nth use cards based on the amount (or balance) charged through the charge card. It is preferable to include information.

For example, when the amount of the use amount of the first use card is 30% and the amount of the use amount of the second use card is 40%, if the amount (or the balance) charged through the charge card is 3 million won, The first use card can be used up to 900,000 won of the recharge amount, and the second use card can be used up to 1.2 million won of the recharge amount.

According to another exemplary embodiment of the present invention, when incentive information for each use card of a charge / use card is stored in the storage medium 2295, the card issuer server 115 may be connected to the storage medium 2295. It is preferable to further check incentive information for each use card associated with the use card information corresponding to the information.

If the charge card information associated with the use card information and the charge amount information charged through the charge card are not confirmed (2550), the card issuer server 115 generates a full approval result including transaction error information. The document purchase company server 130 to transmit (2515), the document purchase company server 130 is the full Bansa server (125) the approval result including the transaction error information through the communication channel connected to the bansa server 125 In operation 2525, the bansa server 125 transmits the full text of the approval result to the affiliated store terminal 140 through a communication channel connected to the affiliated store terminal 140 and outputs the complete certificate result (2530).

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 (2550), the card issuer server 115 is the transaction type (for example, the card) for the authorization request message Issuer merchant transaction, domestic transaction, foreign transaction) and compare the transaction card information with the transaction type, the transaction type through the use card and the transaction type for the authorization request (eg, card issuer merchant transaction, Check the validity of the use card for each transaction type (2555).

According to an embodiment of the present invention, when the use card of the charge / use card is the first use card that can be used at the affiliate of the card issuer operating the charge / use card, the card issuer server 115 performs the transaction. It is preferable to check whether a type is the merchant transaction of the card issuer, and when the use card of the charge / use card is the first use card and the transaction type is confirmed as the card issuer merchant transaction, use by transaction type It is desirable to confirm that the card validity is satisfied.

According to another embodiment of the present invention, when the use card of the charge / use card is the second use card which can use the charge amount at a domestic merchant, the card issuer server 115 determines whether the transaction type is a domestic transaction. It is preferable to confirm, and when the use card of the charge / use card is the second use card and the transaction type is confirmed as a domestic transaction, it is preferable to confirm that the use card validity by transaction type is satisfied.

According to another embodiment of the present invention, when the use card of the charge / use card is the third use car which can use the charge amount at an overseas merchant, the card issuer server 115 determines whether the transaction type is an overseas transaction. It is preferable to confirm, and when the use card of the charge / use card is the third use card and the transaction type is confirmed as a foreign transaction, it is preferable to confirm that the validity of the use card for each transaction type is satisfied.

If the validity of the use card for each transaction type is not confirmed (2560), the card issuer server 115 generates a full text of an authorization result including transaction error information and transmits it to the document purchaser server 130 (2515). The purchase company server 130 transmits the full text of the approval result including the transaction error information to the bansa server 125 through a communication channel connected to the bansa server 125 (2525), the bansa server 125 ) Transmits the full text of the approval result to the affiliated store terminal 140 through a communication channel connected to the affiliated store terminal 140 and outputs the complete result (2530).

If the validity of the use card for each transaction type is confirmed (2560), the card issuer server 115 uses the charge / use card of the charge / use card through the charge amount information charged through the charge card of the charge / use card. The transaction approval for the transaction amount used (= transaction amount included in the full approval request) is processed (2565).

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.

According to an embodiment of the present invention, when the available amount information (or use amount ratio information) for each use card of the charge / use card is stored in the storage medium 2295, the use amount information for each use card (or use amount) Rate information), the card issuing company server 115 is based on the limit corresponding to the available amount information (or use amount ratio information) for each use card of the amount charged through the charge card to the transaction amount It is advisable to handle transaction approval.

That is, when the available amount information (or use amount ratio information) for each use card is confirmed, the card issuer server 115 may approve the transaction for the transaction amount through the amount charged through the charge card. In addition, it is preferable to process the transaction approval for the transaction amount by calculating a limit amount corresponding to the usable amount information (or use amount ratio information) of the checked use card among the charged amount.

According to another exemplary embodiment of the present invention, when incentive information for each use card of a charge / use card is stored in the storage medium 2295, when the incentive information for each use card is confirmed, the card issuer server 115 may determine the incentive information. Process the incentive information (e.g., fee discount incentive information, mileage incentive information, coupon discount incentive information, etc.) for each identified use card in association with the storage medium 2295 to be applied to the transaction approval, or through the use card. It is characterized in that the processing to be provided.

For example, when the incentive information for each use card is confirmed, the card issuer server 115 may discount a fee, provide mileage, or apply a coupon discount according to the transaction approval through the use card. desirable.

Alternatively, when the incentive information for each use card is confirmed, the card issuer server 115 further includes fee discount incentive information, mileage incentive information, and coupon discount incentive information in the use card information stored in the storage medium 2295 ( Or by storing), it is preferable that the incentive is applied to the payment / financial transaction through the use card in the future.

If the transaction for the transaction amount is not approved through the use card of the charge / use card (2570), the card issuer server 115 generates a full text of an authorization result including transaction error information and then purchases the document purchase company server 130 The document purchase company server 130 transmits the full approval result including the transaction error information to the bansa server 125 through a communication channel connected with the bansa server 125 (2525). ), The bansa server 125 transmits the full text of the approval result to the affiliated store terminal 140 through a communication channel connected to the affiliated store terminal 140 and outputs the complete certificate (S2530).

On the other hand, if a transaction for the transaction amount is approved through the use card of the charge / use card (2570), the card issuer server 115 connects the charge / use card with the storage medium 2295 to the charge card. Subtract the transaction amount authorized through the use card of the charge / use card from the charged amount charged through the payment (2575), and generate the full text of the approval result including the transaction approval information corresponding to the transaction approval process to generate the document To the server 130 (2580), and the document purchase company server 130 transmits the full text of the approval result including the transaction approval information to the bansa server 125 through a communication channel connected to the bansa server 125. In operation 2585, the bansa server 125 transmits the full text of the approval result to the affiliated store terminal 140 through the communication channel connected to the affiliated store terminal 140, and outputs the received certificate result (2530).

FIG. 26 is a diagram illustrating a domestic card type purchase process for a use card transaction of a charge / use card associated with a purchase agent according to a third embodiment of the present invention.

In more detail, in FIG. 26, after the transaction is processed through the use card of the charge / use card through the transaction process through the use card of the charge / use card shown in FIG. Shows a process of purchasing a document for the use card transaction in the document purchase company server on the use card transaction system according to an affiliate document purchase procedure for purchasing a document of an affiliate issuing partner to purchase the document at the document purchase company. As a person of ordinary skill in the art to which the present invention pertains, the process of purchasing a domestic card method for the use card transaction of a charge / use card affiliated with the document purchaser by referring to and / or modifying the drawing 26 is made. It will be possible to infer various implementation methods for the invention, but the present invention includes all the implementation methods inferred, Only the exemplary method shown in plane 26 is not limited its technical characteristics.

Referring to FIG. 26, after the transaction through the use card of the charge / use card is processed through the transaction process through the use card of the charge / use card shown in FIG. The document purchase company server 130 on the use card transaction system receives the document for the transaction approval through the use card of the charge / use card through the transaction process using the charge / use card shown in FIG. 25. In step (2600), it is determined whether or not to purchase a document by processing (or considering) an affiliate document for purchasing a document of an affiliate issuing affiliate to purchase a document.

According to an exemplary embodiment of the present invention, when a certain period has elapsed after approval of the transaction through the use card of the charge / use card, the slip purchase company server 130 may be provided for the transaction approval through the use card of the charge / use card. It is preferable to confirm by purchasing a slip.

According to another exemplary embodiment of the present invention, if the slip purchase company server 130 is requested to purchase a slip from the Bansa server 125 to the card issuer server 115 after the transaction approval through the use card of the charge / use card In addition, it is preferable to confirm the purchase of a slip for the transaction approval through the use card of the charge / use card.

If it is confirmed that the document for the transaction approval through the use card of the recharge / use card is processed (or considered) and purchased as the affiliate document for purchasing the document of the affiliate issuing partner to purchase the document at the document purchase company (2605). In operation 2610, the slip purchase company server 130 purchases a slip corresponding to the transaction approval through the use card of the charge / use card according to the affiliate card purchase procedure.

Those skilled in the art to which the present invention pertains, since they will be familiar with the procedure of purchasing the documents of the affiliate issuer in the document purchase company, a detailed description thereof will be omitted for convenience.

If a document corresponding to the transaction authorization through the use card of the charge / use card is purchased according to the affiliated document purchase procedure (2615), the slip purchase company server 130 makes a slip for the use card of the charge / use card. The purchase result is transmitted to the card issuer server 115 (2620).

27 is a diagram showing the configuration of the card brand alliance charge / use card transaction system according to the fourth embodiment of the present invention.

More specifically, Figure 27 is produced through the charging / using card manufacturing system shown in Figure 2 and sold (or paid) to the customer, and charged through the charging / using card charging system shown in Figure 4 or Figure 7 In the charge / use card filled with the amount of money, the first use card which can use the amount charged through the charge card of the charge / use card at a merchant of a card issuer operating the charge / use card, and the charge amount As a second use card that can be used at a domestic merchant, and a charge / use card transaction system that uses the charged amount for payment / financial transactions using any one of the third use cards that can be used at an overseas merchant. Specifically, a third use card which can use the charge amount at an overseas merchant is used as a use card of the charge / use card, and the charge / Recognized by the use of the card, use a card with the international card brands affiliated with the card shows a charging / using card transaction system for processing payment / financial transactions.

More specifically, Figure 27 is produced through the charging / using card manufacturing system shown in Figure 2 and sold (or paid) to the customer, and charged through the charging / using card charging system shown in Figure 4 or Figure 7 In the card brand alliance recharge / use card filled with the amount, the card brand alliance recharge / use card transaction system which recognizes the use card of the charge / use card as an overseas card and uses it for payment / financial transactions. Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 27 to infer various implementation methods for the card brand affiliate recharge / use card transaction system configuration. It is made to include all the implementation methods inferred, the technical features are not limited only to the implementation method shown in FIG. .

For example, in FIG. 27, 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. 27, the transaction through the use card of the charge / use card is illustrated mainly referring to the payment approval request requested from the affiliated store terminal 140 provided at the affiliate 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 payment, it is possible to infer the system configuration for the financial transaction or online payment through the payment through the merchant terminal 140, the financial in this figure 27 A system configuration for transaction or online payment will be omitted.

Hereinafter, technical features of the recharge / use card transaction system will be described as a “use card” of the recharge / use card for convenience as a third use card which can use the recharge amount at an overseas affiliated store in FIG. 27 and a flowchart connected thereto. Shall be.

Referring to FIG. 27, the card brand affiliated charge / use card transaction system is manufactured through an affiliated store terminal 140 provided at an affiliated store and the charge / use card production system shown in FIG. 2 and sold to a customer (or The card issuing server 115 and a card issuing server 115 operating a charge / use card in which a charged amount is charged through the charge / use card charging system shown in FIG. 4 or 7 and the merchant terminal 140. Bansa server 125 for relaying the full text of the authorization request to the professional relay target, the slip purchase company server 130 for processing the purchase of the business for overseas card transactions, and the card brand company server affiliated with the card issuer (135) It is characterized by comprising a).

In FIG. 27, 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 card brand of those skilled in the art. 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 outdated in the form of an internal component of the server provided in the bansa according to an affiliated charge / use card transaction system implementation method. It is clear that it is.

In addition, although the document purchase company server 130 is illustrated as one server in FIG. 27 for convenience, this is merely an exemplary method for efficiently describing technical features of the document purchase company server 130 according to the present invention. According to the intention and the card brand alliance recharge / use card transaction system implementation method, the document purchase company server 130 is implemented in a system form consisting of a plurality of servers for each function component, or the internal configuration of the server provided in the document purchase company It is clear that it can be spherical in element form.

In addition, in FIG. 27, the card brand company server 135 is illustrated as one server for convenience, but this is merely an exemplary method for efficiently describing the technical features of the card brand company server 135 in the present invention. The card brand company server 135 is implemented in the form of a system consisting of a plurality of servers for each function component or according to the intention of those skilled in the art and the card brand alliance recharge / use card transaction system implementation method. It is clear that the server may be spherical in the form of internal components.

In addition, in FIG. 27, the card issuer server 115 is illustrated as one server for convenience, but this is merely an exemplary 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 card brand alliance charging / use card transaction system implementation method, 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 provided in the card issuer. It is clear that the server may be spherical in the form of internal components.

The affiliated store terminal 140 may include at least one CAT (Credit Authorization Terminal) or a POS (Point Of Sales) terminal equipped with a payment function for a payment transaction through a 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 140 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, installment months, etc.) through an input device, the bansa server 125 generates an authorization request message including the card information, the transaction information, and the affiliated store information, through a communication network. It characterized in that the transmission to.

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 140 provided in the merchant, x.25 based communication network, encryption / By connecting the communication channel with one or more specialized relay target server through a dedicated communication network including at least one decryption-based communication network, the merchant terminal 140 and the specialized relay target server are characterized in that the relay connection.

According to an exemplary embodiment of the present invention, when the card information included in the approval request message is a card issued by a domestic card company (or financial company), the bansa server 125 receives the approval request message received from the affiliated store terminal 140. It is preferable to relay transmission to the server provided in the domestic card company (or financial company).

According to another exemplary embodiment of the present invention, when the card information included in the approval request message is an overseas card issued by an overseas card issuer, the bansa server 125 receives the approval request message received from the affiliated store terminal 140. It is preferable to relay transmission to the document purchase company server 130 (for example, a card company server, a financial company server, etc.) provided in the preset overseas card slip company.

According to the method of the present invention, the bansa server 125 receives the full text of the authorization request encrypted with the bansa encryption key from the merchant terminal 140, decrypts the full auth request with the decryption key of the bansa, 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 document purchase company server 130 is a server provided to a domestic card company (or financial company), the card information included in the full text of the authorization request received from the bansa server 125 is the document purchase company (for example, domestic card company, or financial company) If it is recognized as a domestic card issued by the), the document purchase company server 130 as a card company (or financial company) for the domestic card transaction authorization limit amount (for example, credit limit, or balance of the linked account for the domestic card) ) And the transaction processing for the transaction amount included in the transaction information through the transaction approval limit amount, and the card information included in the full text of the authorization request received from the bansa server 125 If it is recognized as an overseas card affiliated with a specific card brand company, the purchase company server 130 is the authorization request through the card brand network of the card brand company It is characterized by relaying the full text (for example, the full text converted into a transaction protocol corresponding to the card brand network) to the card brand company server 135.

According to an embodiment of the present invention, the voucher purchaser server 130 receives and decrypts the entire authentication result encrypted by the encryption key of the voucher purchaser server 130 from the bansa server 125 and included in the authorization request message. It is desirable to verify the information, transaction information and merchant information.

According to an embodiment of the present invention, when the card information is a domestic credit card, the document purchase company server 130 may perform a transaction approval limit amount (eg, credit limit amount) for the charge / use card and a transaction for a predetermined period of time. Confirming the 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 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 voucher purchaser server 130 checks the transaction approval limit amount (eg, 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, because the technical features of the merchant terminal 140, the bansa server 125 and the purchase company server 130 operating as described above will be familiar with the technical features. For the sake of brevity, a more detailed description thereof will be omitted.

According to the embodiment of the present invention, the charging / use card manufacturing system shown in FIG. 2 is manufactured and sold (or paid) to a customer, and the charging / use card charging system shown in FIG. The use card of the charge / use card charged with the charge amount by using the charge card of the charge / use card is characterized in that the document purchase company server 130 is recognized as an overseas card affiliated with the card brand, The voucher purchaser server 130 recognizes the card information corresponding to the use card of the charge / use card as an overseas card, the full text of the authorization request containing the card information corresponding to the use card of the charge / use card Characterized in that the transmission to the brand company server 135.

The card brand company server 135 receives an entire authorization request message including card information including its BIN information through each card brand network (eg, a visa network and a master card network), and reads the BIN information. To confirm the overseas issuer, and relay the transmission of the entire request for approval to the confirmed overseas issuer to request transaction approval.

According to one embodiment of the present invention, the charging / use card manufacturing system shown in FIG. 2 is manufactured and sold (or paid) to a customer, and the charging / use card charging system shown in FIG. It is preferable that the use card of the charge / use card charged with the charge amount by using the charge card of the charge / use card is recognized as an overseas card affiliated with the card brand company in the card brand company server 135, Accordingly, the card brand company server 135 relays the full text of the request for authorization including the card information corresponding to the use card of the charge / use card to the card issuer server 115 according to a conventional overseas card approval request procedure. It is desirable to.

If the full request for approval including card information corresponding to the use card of the charge / use card is relayed from the card brand company server 135 to the card issuer server 115 according to the overseas card approval request procedure. In addition, the document purchase process after the transaction approval for the full text of the approval request is preferably processed according to a conventional overseas card slip purchase procedure.

According to another exemplary embodiment of the present invention, the charging / use card manufacturing system shown in FIG. 2 is manufactured and sold (or paid) to a customer, and the charging / use card charging system shown in FIG. 4 or 7 is shown. The use card of the charge / use card in which the charge amount is charged using the charge card of the charge / use card through the card brand company server 135 relays and transmits the full request for approval in the country where the purchase agent is located. Preferably, the card issuing company is affiliated with the card issuer to recognize the card as the domestic card. When the card brand company server 135 includes card information corresponding to the use card of the charge / use card in the preamble, the card is included. It is preferable to relay the authorization request message including the information to the card issuer server 115.

If the full request for approval, including card information corresponding to the use card of the charge / use card, is recognized as a domestic card of the country where the document purchaser relaying the authorization request message is transmitted, the card brand company server (135) When the relay is transmitted to the card issuer server 115, the transaction for purchasing the document after the transaction approval for the authorization request text is processed according to the conventional overseas card slip purchase procedure, or converted to the domestic card slip purchase procedure. It is possible, and the invention is not limited thereby.

When the card issuer server 115 receives an authorization request message including card information including BIN information corresponding to the BIN system of the card brand company, the card issuer server 115 receives the authorization request message. Read card information contained in the card information including the BIN information corresponding to the BIN system of the affiliated card brand company, charge card information of the charge / use card associated with the use card information, and the charge card Check the charge amount information charged through the through, and the charge amount information charged through the charge card characterized in that the processing of the approval for the transaction amount included in the full approval request.

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 preferably made of BIN information according to the BIN system of the card brand company, or preferably comprises BIN information of the domestic card.

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. 27, the bansa server 125 may include an interface unit 2700 for connecting and managing a communication channel with an affiliated store terminal 140 provided at the affiliated store through a communication network (eg, a public communication network), and the interface. The approval request professional receiving unit 2705 (or the professional receiving means) for receiving the approval request full text through the communication channel in association with the unit 2700 and the card information included in the received approval request full text by reading the approval request. Special relay target confirmation unit (2715) (or card verification means) for checking the special relay target server to relay the full text, and approval request professional transmission unit (2720) 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 2725 that receives an approval result text including a transaction history corresponding to the approval request message from the specialized relay target server. In connection with the interface unit 2700 is characterized in that it is provided with the approval result specialized transmission unit 2710 for transmitting the full text of the approval result including the transaction history to the affiliated store terminal 140 through a communication channel.

The interface unit 2700 transmits and receives specialized transaction-related transmission and reception with the affiliated store terminal 140 provided at the affiliated store through a communication protocol corresponding to a communication network connecting the bansa server 125 and the affiliated store terminal 140 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.

After reading the card information from the charge / use card through the card reader in the affiliated store terminal 140 to which the communication channel is connected, and input transaction information (eg, transaction amount, installment months, etc.) through a key input device, When generating an authorization request message including the card information, transaction information, and the affiliate information, and transmitting it through a communication network, the authorization request message receiving unit 2705 is connected to the interface unit 2700 from the affiliate store terminal 140. Characterized in receiving the full approval request.

If the approval request message is encrypted and transmitted from the affiliated store terminal 140 through the bansa encryption key, the approval request message receiving unit 2705 preferably decrypts the encrypted approval request message.

When the approval request message is received, the specialized relay target confirmation unit 2715 reads the BIN from the 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. If the card information included in the authorization request text is not a domestic card (for example, an overseas card including a BIN of a card brand company), the slip purchase company server 130 that purchases a slip for the foreign card corresponding to the card information. It is preferable to comprise a.

According to the implementation method illustrated in FIG. 27, the specialized relay target confirmation unit 2715 recognizes the use card of the charge / use card associated with the card brand as an overseas card, and thus the professional relay target confirmation unit 2715 ), It is preferable to check the professional relay target server for the authorization request message including the card information corresponding to the use card of the charge / use card to the purchase agent server 130 for the foreign card.

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 2715, the approval request message transmission unit 2720 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 receiver 2725 receives 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 2710 is connected to the interface unit 2700 to receive the approval result message including the transaction history through the communication channel through the affiliated store. Characterized in that the transmission to the terminal 140, wherein the interface unit 2700 preferably further performs a process of verifying that the full text of the approval result is transmitted to the affiliated store terminal 140.

According to the present invention, the voucher purchaser server 130 is provided with a BIN information D / B (2760) for storing the BIN information for the card issued by the voucher and the card attribute information for each BIN of the card in association with Or a DBMS operating the BIN information D / B 2760, or a DB server (not shown) provided with the BIN information D / B 2760.

Here, it is preferable that the BIN information for the card issued by the slip purchase company includes the BIN information according to the BIN system of the card brand company, or the BIN information for the domestic card.

Preferably, the card attribute information for each BIN includes transaction attributes (e.g., credit transaction, linked account transaction) set for each BIN of the card issued by the document purchase company, and the BIN information is determined according to the transaction attribute. It is preferable that a transaction function (for example, a credit card transaction function, a check card transaction function, and a debit card transaction function) of the containing card is set.

According to the present invention, the voucher purchase company server 130 stores and stores the card information corresponding to the card issued from the voucher, the card information corresponding to the card issued to the customer, card attribute information and card limit information A DB server (not shown) provided with a card management D / B 2765, or interworking with a DBMS operating the card management D / B 2765, or provided with the card management D / B 2765; It is preferable to interlock.

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 document purchase company server 130 is provided with a transaction history D / B (2763) to store the transaction approved transaction history information when the transaction is approved through the card issued by the document purchase company, or It is preferable to link with a DBMS operating the transaction history D / B (2763), or in conjunction with a DB server (not shown) provided with the transaction history D / B (2763).

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 2765, and preferably includes a card number. The card information includes the card management D / B 2765 through the card information. The transaction history D / B (2763) is preferably linked to the relationship.

The transaction approval date and time, it is preferable that the document purchase company server 130 includes the date and time information of the transaction approval processing through the card.

The transaction approval amount is preferably made of the transaction information through the card in the document purchase company server 130, the settlement amount 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 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 document purchase company server 130 when the transaction is approved through the card.

Referring to FIG. 27, the voucher purchase company server 130 may include a communication unit 2730 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 2730. Is the receiving unit (2735) (or a professional receiving means) for receiving the approval request text from the bansa server 125 in association with the card information included in the received approval request text is a card issued by the slip purchase company, Or a card information confirming unit 2745 (or card checking means) for confirming whether the document purchaser is an overseas card including BIN information of a card brand affiliated to process the document purchase business, and the card information is issued by the document purchaser. If the card is confirmed (or recognized), the transaction approval limit amount corresponding to the card information is checked, and the transaction approval limit amount is included in the authorization request. Card transaction approval unit (2750) for approving the transaction for the amount, generates a transaction history including the transaction approval result, generates a full text of the approval result including the transaction history, and the communication unit (2730) And a transmission unit 2740 for transmitting the generated approval result text to the bansa server 125 through the communication channel, and approving the transaction by the card transaction approval unit 2750. City, the transaction history storage unit 2753 for storing the transaction history information included in the transaction history in the transaction history D / B (2763) is characterized in that it is made.

The communication unit 2730 connects the communication channel for professional transmission and reception of the transaction with the bansa server 125 through a communication protocol corresponding to the communication network connecting the purchase agent server 130 and the bansa server 125. It is done.

When the bansa server 125 transmits the approval request message through the communication channel, the receiving unit 2735 is connected to the communication unit 2730 and includes an approval request including at least one 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 2735 preferably decrypts the encrypted permission request message.

When the authorization request message is received, the card information confirming unit 2745 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 stored in the slip. It is characterized by checking whether the card issued by the purchaser or the overseas card including the BIN information of the card brand of the affiliated card company to handle the purchase business.

If the card information is confirmed (or recognized) by the card issued by the slip purchase company, the card information checking unit 2745 is a card that the card is reported lost or in the process of checking the card information or use conditions (for example, It is preferable that the card further comprises the step of checking whether the card is satisfied, or the card has expired.

If the card information is confirmed (or recognized) by the card issued by the slip purchase company, the card transaction approval unit 2750 is card limit information provided in connection with the card information in the card management D / B (2765) It is characterized in that the transaction approval limit amount corresponding to the check, and based on the confirmed transaction approval limit amount, the transaction processing for the transaction amount included in the approval request full text.

According to an embodiment of the present invention, the card transaction approval unit 2750 first checks the transaction attribute corresponding to the card information in association with the card management D / B 2765 in order to confirm the transaction authorization limit amount. 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 2750 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 type transaction attribute (eg, a check card transaction attribute or a debit card transaction attribute), the card transaction approval unit 2750 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 2750 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 2750 may approve a transaction attribute or transaction for each transaction attribute of 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 2750 may schedule a schedule in connection with the transaction history D / B 2763. 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 transaction approval unit 2750 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 transaction approval unit 2750 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 transaction approval unit 2750 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 2750 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 transaction approval unit 2750 preferably processes the transaction.

When the transaction approval procedure for the transaction amount is completed by the card transaction approval unit 2750, the transmission unit 2740 includes a transaction including a result of the transaction approval approved by the card transaction approval unit 2750. 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 details are generated, the transmission unit 2740 generates a full text of an approval result including the transaction details, and the transmission unit 2740 establishes the communication channel in association with the communication unit 2730. 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 2750, the transaction history storage unit 2753 may include card information included in the transaction history generated by the transmission unit 2740, 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 2763.

Referring to FIG. 27, the document purchase company server 130, through the card information confirmation unit 2745, the card information includes overseas BIN information of the card brand of the affiliated credit card purchaser to handle the purchase business When the card is confirmed (or recognized), the authorization request message is transmitted to the card brand company server 135 through the card brand network corresponding to the card brand company through the card brand network, and the card brand company server 135 And an overseas specialty processing unit 2755 (or a professional relay means) for receiving a full text of an approval result including an overseas card transaction history corresponding to the full text of the authorization request.

When the card information is confirmed (or recognized) by the card information confirming unit 2745 as an overseas card including the BIN information of the card brand company affiliated to allow the document purchaser to process the document purchasing business, the foreign professional processing unit 2755 ) Transmits the approval request message to the card brand company server 135 through the card brand network corresponding to the card brand company through the card brand network.

According to the embodiment of the present invention, the charging / use card manufacturing system shown in FIG. 2 is manufactured and sold (or paid) to a customer, and the charging / use card charging system shown in FIG. The card information corresponding to the use card of the charge / use card charged with the charged amount is recognized as an overseas card by the card information checking unit 2745, whereby the overseas specialized processing unit 2755 causes the charge / use card to be used. It is preferable to transmit the full text of the authorization request including card information and transaction amount corresponding to the use card of the card brand company server 135 through the card brand network corresponding to the card brand company through the card brand network.

Subsequently, when an authorization result message including an overseas card transaction history corresponding to the authorization request message is transmitted from the card brand company server 135, the foreign expert processing unit 2755 transmits the card brand company through the card brand network. The server 135 may receive a full text of an approval result including an overseas card transaction history corresponding to the full text of the request for approval.

According to the embodiment of the present invention, the charging / use card manufacturing system shown in FIG. 2 is manufactured and sold (or paid) to a customer, and the charging / use card charging system shown in FIG. The card information corresponding to the use card of the charged / used card charged with the charged amount is recognized as an overseas card by the card information checking unit 2745, whereby the overseas specialty processing unit 2755 uses the card brand network. It is preferable to receive the full text of the approval result including the foreign card transaction history corresponding to the authorization request message including the transaction information and the card information corresponding to the use card of the charge / use card through the card brand company server 135 through Do.

Referring to FIG. 27, the document purchase company server 130 receives a full text of an approval result including an overseas card transaction history including transaction approval information through the overseas specialized processing unit 2755, and then a predetermined period of time is received. If the elapsed time (or when the purchase of the slip for the foreign card is charged), further includes a slip purchase processing unit (2757) (or slip purchase processing means) for purchasing the slip for the foreign card transaction history included in the full text of the approval result; Characterized in that made.

If a certain period has elapsed after receiving a full text of an approval result including an overseas card transaction history including transaction approval information through the overseas specialized processing unit 2755, or a purchase of a slip for the foreign card is requested, Slip purchase processing unit (2757) is characterized in that the purchase process for the slip on the foreign card transaction history included in the full text of the approval result in accordance with the purchase procedure corresponding to the overseas card.

According to the embodiment of the present invention, the charging / use card manufacturing system shown in FIG. 2 is manufactured and sold (or paid) to a customer, and the charging / use card charging system shown in FIG. Card information corresponding to a use card of a charge / use card charged with a charged amount is recognized as an overseas card by the card information confirming unit 2745 and the charge / use card of the charge / use card is processed through the overseas specialized processing unit 2755. If a predetermined period has elapsed or a purchase of a slip for the foreign card is received after receiving the full text of the approval result including the transaction data of the foreign card including the transaction approval information on the used card, the slip purchase processing unit 2757 ) Purchases a slip on the foreign credit card transaction details included in the pre-authorization result according to the overseas card purchase procedure. It is preferable to process.

If the card brand company server 135 recognizes and processes the transaction for the use card of the charge / use card as a domestic card of the country where the document purchase company is located, the charge / use through the overseas specialized processing unit 2755. If a certain period has elapsed or a purchase of a slip for the foreign card is received after receiving the full text of the authorization result including the transaction data of the foreign card including the transaction approval information of the use card, the purchase of the slip It is preferable that the processing unit 2757 purchases and processes the slip for the credit card used in the charge / use card according to the domestic card purchase procedure.

According to the present invention, the card brand company server 135 stores in association with one or more BIN information assigned by the card brand company to a foreign card issuer as well as a domestic card company, and stores the issuer information corresponding to the BIN information. DB server provided with an issuer BIN D / B 2780 or interworking with a DBMS operating the issuer BIN D / B 2780 or having the issuer BIN D / B 2780 (not shown). It is preferable to link with).

Here, the BIN information preferably includes a BIN assigned by the card brand company to at least one overseas issuer as well as a domestic card company.

The issuer information preferably comprises information identifying a domestic card company that has issued a card including the BIN information to at least one overseas issuer.

According to the method of the present invention, the card brand company server 135 uses the charge / use card produced and sold (or paid) to the customer by the card issuer among the BIN information according to the partnership with the card issuer. It is possible to cooperate to recognize and process the BIN information contained in the card as the domestic card of the country where the slip purchase company is located, in which case the issuer information for the use card of the charge / use card of the issuer information is the slip It is preferable that the flag of the purchaser's domestic card recognition is included.

Referring to FIG. 27, the card brand company server 135, through the card brand network affiliated to receive the full text of the authorization request including the transaction information and the card information recognized as an overseas card from the document purchase company server 130 Confirming the BIN information corresponding to the card information included in the full-text receiving unit 2770 (or full-text receiving unit) and the authorization request text, and corresponding to the BIN information in association with the issuer BIN D / B 2780; Issuing transaction confirmation of the transaction amount through the issuer confirmation unit (2773) (or card verification means) for confirming the issuer information, and relaying the full text of the authorization request to the confirmed issuer server to the card corresponding to the card information A transaction approval request unit (2775) (or a professional relay means) requesting a request from the issuing company server, and receiving a full text of an approval result including foreign card transaction details corresponding to the transaction approval result; Characterized in that it comprises a partnership professional processing unit (2777) for relaying the transmission of the received approval result through the brand network to the document purchase company server 130, the issuer server operating the charge / use card It is preferable that the card issuer server 115 is included.

When the slip purchase company server 130 transmits the approval request message including the card information and the transaction amount recognized as an overseas card through the card brand network, the affiliate specialized receiving unit 2770 receives the slip through the card brand network. Characterized in that the server receives the authorization request message containing the card information and the transaction amount recognized as an overseas card from the 130.

When the approval request message is received from the slip purchase company server 130, the issuer checking unit 2773 checks the BIN information corresponding to the card information included in the received approval request message, and the issuer BIN D / B (2780) is characterized in that the issuing company information corresponding to the BIN information.

According to the embodiment of the present invention, the charging / use card manufacturing system shown in FIG. 2 is manufactured and sold (or paid) to a customer, and the charging / use card charging system shown in FIG. The card information corresponding to the use card of the charge / use card charged with the charged amount is recognized as the foreign card, and the issuer checking unit 2773 is included in the card information corresponding to the use card of the charge / use card. It is preferable to check the issuer server of the BIN information with the card issuer server 115 that operates the charge / use card.

When the issuer information corresponding to the BIN information corresponding to the card information included in the full text of the approval request is confirmed through the issuer checking unit 2773, the transaction approval request unit 2475 is sent to the confirmed issuer server. It is characterized in that the request for approval of the transaction of the transaction amount through the card corresponding to the card information by relaying the transmission of the approval request.

According to the embodiment of the present invention, the charging / use card manufacturing system shown in FIG. 2 is manufactured and sold (or paid) to a customer, and the charging / use card charging system shown in FIG. The card information corresponding to the use card of the charge / use card charged with the charged amount is recognized as the foreign card, and the transaction approval request unit 2475 exchanges the card information corresponding to the use card of the charge / use card. It is preferable to request a transaction approval of the transaction amount through the card corresponding to the card information by relaying the authorization request message including the amount information to the card issuer server 115 operating the charge / use card.

When the issuer server transmits a full text of an approval result including the overseas card transaction details corresponding to the transaction approval result, the affiliated professional processing unit 2777 sends an overseas card transaction history corresponding to the transaction approval result from the issuer server. Receiving the full text of the approval result, including, and relays the received approval results full text through the card brand network to the document purchase company server 130.

If the card brand company server 135 recognizes and processes the transaction for the use card of the charge / use card as a domestic card of the country where the document purchase company is located, the affiliated professional processing unit 2777 may process the document purchase company server. A document purchase processing flag for processing a document purchase corresponding to the use card of the charge / use card in accordance with the document purchase procedure of the country where the document purchaser is located in the preamble of the approval result including the transaction approval result transmitted to the 130. It is possible to relay transmission further including, in this case, the purchase agent server 130, the overseas card transaction history included in the full text of the approval result in accordance with the domestic card purchase procedure for the use card of the charge / use card It is preferable to purchase the document for.

Referring to FIG. 27, the card issuer server 115 is manufactured through the charge / use card manufacturing system shown in FIG. 2 and sold (or paid) to a customer, and is shown in FIG. 4 or 7. A server that operates a charge / use card in which a charge amount is charged through a charge / use card charging system, and the card information and transaction value information corresponding to the use card of the charge / use card are received from the card brand company server 135. A card use professional receiving unit 2783 (or a professional receiving means) for receiving the authorization request message included therein and the card information included in the authorization request message are read to correspond to the BIN system of a card brand affiliated with the card issuer. Check the use card information including BIN information, the charge card information of the charge / use card associated with the use card information, and the charge amount information charged through the charge card; The information checking unit 2785 (or information checking means) confirming a transaction type (for example, a card issuer affiliated transaction, a domestic transaction, or an overseas transaction) for the full text of the authorization request, and comparing the used card information with the transaction type, Validation unit (2787) for checking the validity of the use card for each transaction type to check whether the transaction type through the use card and the transaction type (eg, card issuing merchant transaction, domestic transaction, overseas transaction) for the authorization request full text (2787) (Or validity checking means) and the transaction amount using the use / use card of the charge / use card through the charge amount information charged through the charge-card of the charge / use card when checking the validity of the use card for each transaction type ( = A transaction approval processing unit 2790 (or transaction approval processing means) for processing transaction approval for the transaction amount included in the approval request text; and the transaction approval processing Is characterized in that it comprises a card using a professional transmission unit (2793) (or professional transmission means) for transmitting the full text of the approval result including the transaction history to the card brand company server 135 through the card brand network, The information confirming unit 2785 reads card information included in the preamble for requesting the transaction, and confirms first to N-th use card information of the charge / use card matching the card information.

According to an aspect of the present invention, when the usable amount information (or use amount ratio information) for each use card of the charge / use card is stored in the storage medium 2795, the information checking unit 2785 stores the storage medium 2795. Check the available amount information (or use amount ratio information) for each use card associated with the use card information corresponding to the card information, and the transaction approval processing unit 2790 checks the charge card. It is characterized in that the transaction approval for the transaction amount is processed based on a limit corresponding to the available amount information (or use amount ratio information) for each use card among the charged amount.

According to another aspect of the present invention, when the incentive information for each use card of the charge / use card is stored in the storage medium 2795, the information checking unit 2785 is connected to the storage medium 2795 to the card information. And confirming incentive information for each use card associated with corresponding use card information, and the transaction approval processing unit 2790 approves the transaction using the confirmed incentive information for each use card in association with the storage medium 2795. Processing to be applied to, or characterized in that the processing to be provided through the use card.

The card use specialized receiving unit 2783 may receive an authorization request message including card information and transaction amount information corresponding to a use card of the charge / use card from the card brand company server 135.

When the authorization request message including the card information and the transaction amount information corresponding to the use card of the charge / use card is received through the card use message receiving unit 2783, the information checking unit 2785 transmits to the approval request message. Read the included card information to check the use card information including the BIN information corresponding to the BIN system of the card brand affiliated with the card issuer.

When the use card information of the charge / use card is confirmed, the information checking unit 2785 checks the charge card information of the charge / use card associated with the use card information in association with the storage medium 2795, and charges the card. Characterized in that the check the amount of charge information charged through the card.

In addition, the information confirmation unit 2785 is characterized in that for confirming the transaction type (eg, card issuer, merchant, domestic transaction, foreign transaction) for the full authorization request.

According to the exemplary embodiment of the present invention, the information checking unit 2785 may further include checking whether the use card information and the charging card information are activated in association with the storage medium 2795.

When the use card information of the charge / use card and the transaction type (eg, a card issuer, a merchant transaction, a domestic transaction, or an overseas transaction) are confirmed through the information verification unit 2785, the validity verification unit 2787 uses the card. By comparing the information and the transaction type, the validity of the usage card for each transaction type that checks whether the transaction type through the use card and the transaction type (eg, card issuer, merchant, domestic transaction, and foreign transaction) for the authorization request text is matched. It is characterized by checking.

According to an embodiment of the present invention, when the use card of the charge / use card is the first use card that can be used at the affiliate of the card issuer operating the charge / use card, the validity confirming unit 2787 is the transaction type. It is preferable to check whether the card issuer is a merchant transaction, and if the use card of the charge / use card is the first use card and the transaction type is confirmed as the card issuer merchant transaction, the use card validity by transaction type is valid. It is desirable to confirm that it satisfies.

According to another embodiment of the present invention, when the use card of the charge / use card is the second use card which can use the charge amount in a domestic merchant, the validity confirming unit 2877 checks whether the transaction type is a domestic transaction. Preferably, when the use card of the charge / use card is the second use card and the transaction type is confirmed as a domestic transaction, it is preferable to confirm that the validity of the use card for each transaction type is satisfied.

According to another exemplary embodiment of the present invention, when the use card of the charge / use card is the third use car which can use the charge amount at an overseas affiliated store, the validity confirming unit 2877 checks whether the transaction type is an overseas transaction. Preferably, when the use card of the charge / use card is the third use card and the transaction type is confirmed as an overseas transaction, it is preferable to confirm that the validity of the use card for each transaction type is satisfied.

Through the information confirmation unit 2785, the charge amount information charged through the charge card associated with the use card of the charge / use card is confirmed, and the validity check unit 2787 confirms the validity of the use card for each transaction type. When the transaction approval processing unit 2790 uses the charge / use card of the charge / use card through the charge amount information charged through the charge / use card, the transaction amount (= transaction included in the authorization request message) Transaction approval for the amount of money).

According to the implementation method of the present invention, the transaction approval processing unit 2790 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, and conversely, if the charge amount is larger than the transaction amount, Error handling transactions through the use card of the pre-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 2790 may subtract the approved amount from the charged amount charged through the charge card in association with the storage medium 2795.

According to an exemplary embodiment of the present invention, when the available amount information (or use amount ratio information) for each use card of the charge / use card is stored in the storage medium 2795, the information checking unit 2785 may determine the storage medium ( 2795), it is preferable to further check the available amount information (or use amount ratio information) for each use card associated with the use card information corresponding to the card information, and if the use amount information for each use card (or When the use amount ratio information) is confirmed, the transaction approval processing unit 2790 may use the transaction amount based on a limit corresponding to the use amount information (or use amount ratio information) for each use card among the amounts charged through the charge card. It is desirable to handle transaction approval for.

That is, when the available amount information (or use amount ratio information) for each use card is confirmed through the information confirming unit 2785, the transaction approval processing unit 2790 performs the transaction amount through the amount charged through the charging card. Instead of approving a transaction for the transaction, the transaction is approved for the transaction amount by calculating a limit amount corresponding to the available amount information (or usage amount ratio information) of the used credit card among the charged amount. It is preferable.

According to an embodiment of the present invention, the amount of money available for each use card may include a limit amount for each of the first to Nth use cards, regardless of the amount (or balance) charged through the charge card. Do.

For example, when the available amount of the first use card is 1 million won and the available amount of the second use card is 1 million won, if the amount (or balance) charged through the recharge card is 3 million won, The first use card can be used up to one million won of the recharge amount, and the second use card can be used up to one million won of the recharge amount.

Alternatively, when the amount of money available in the first use card is 1 million won and the amount of money available in the second use card is 1 million won, if the amount (or balance) charged through the charge card is 500,000 won, the first amount The use card can be used up to 500,000 won (or the balance) of the charge amount, and the second use card can also be used up to 500,000 won.

According to the method of the present invention, the use amount ratio information for each of the use cards is a charge amount for determining the limit amount for each of the first to Nth use cards based on the amount (or balance) charged through the charge card. It is preferable to include ratio information.

For example, when the amount of the use amount of the first use card is 30% and the amount of the use amount of the second use card is 40%, if the amount (or the balance) charged through the charge card is 3 million won, The first use card can be used up to 900,000 won of the recharge amount, and the second use card can be used up to 1.2 million won of the recharge amount.

According to another exemplary embodiment of the present invention, when incentive information for each use card of a charge / use card is stored in the storage medium 2795, the information checking unit 2785 associates the card information with the storage medium 2795. It is preferable to further check incentive information for each use card associated with the use card information corresponding to the present invention. If the incentive information for each use card is confirmed, the transaction approval processing unit 2790 is connected to the storage medium 2795. The confirmed incentive information for each use card (eg, fee discount incentive information, mileage incentive information, coupon discount incentive information, etc.) is processed to be applied to the transaction approval, or is processed to be provided through the use card. .

For example, when the incentive information for each of the use cards is confirmed through the information checking unit 2785, the transaction approval processing unit 2790 may discount the fee according to the transaction approval through the use card or provide mileage or , Or apply a coupon discount.

Alternatively, when the incentive information for each use card is confirmed through the information checking unit 2785, the transaction approval processing unit 2790 may include fee discount incentive information, mileage incentive information, and the like on the use card information stored in the storage medium 2795. By further storing (or linking) the coupon discount incentive information, it is preferable to process the incentive to be applied in a future payment / financial transaction through the use card.

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 2790 (= transaction amount included in the full approval request) When the transaction is processed, the card use specialized transmission unit 2793 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 by generating the approval result is transmitted to the card brand company server 135 through the card brand network, the approval result full text through the purchase company server 130 through the card brand company server 135 It is delivered to the bansa server 125, the bansa server 125 is characterized in that for transmitting the full text of the approval result to the merchant terminal 140.

28 is a diagram illustrating a transaction request process between the affiliated store terminal 140 and the bansa server 125 according to the fourth embodiment of the present invention.

In more detail, FIG. 28 generates the full authorization request message from the affiliated store terminal 140 on the card brand affiliated charge / use card transaction system shown in FIG. 27 and transmits it to the bansa server 125. In the process of confirming the professional relay target server for the approval request full text, and relaying the approval request full text to the specialized relay target server, if the person having ordinary knowledge in the technical field to which the present invention belongs, Although various implementation methods for the transaction request process between the affiliated store terminal 140 and the bansa server 125 may be inferred by referring to and / or modifying the drawing 28, the present invention includes all the implementation methods inferred above. The technical features are not limited only to the implementation method shown in FIG. 28.

Referring to FIG. 28, the merchant terminal 140 on the offline card brand alliance charge / use card transaction system shown in FIG. 27 reads card information from the customer card through a card reader and trade information through a key input means. (E.g., transaction amount, installment months, etc.) (2800), and generates a full text of the authorization request including the input card information and transaction information and the merchant information stored in the merchant terminal 140 (2805).

Here, the customer card is produced through the charge / use card manufacturing system shown in Figure 2 and sold (or paid) to the customer, the charge amount through the charge / use card charging system shown in Figure 4 or 7 It is preferable to include the use card of the charged charge / use card.

Thereafter, the affiliated store terminal 140 connects the communication channel for professional transmission and reception with the bansa server 125 through the communication network (eg, a public communication network) (2810).

If the communication channel is connected (2815), the affiliated store terminal 140 transmits the full text of the approval request to the bansa server 125 via the communication channel (2820), the corresponding bansa server 125 Receives the approval request message transmitted from the affiliated store terminal 140 through the communication channel (2825).

According to an embodiment of the present invention, when the approval request is encrypted and transmitted from the affiliated store terminal 140 through the bansa's 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 (2830), reads the checked BIN information, and transmits the specialized relay target server to relay the approval request text. Check (2835).

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. If the card information included in the authorization request text is not a domestic card (for example, an overseas card including a BIN of a card brand company), the slip purchase company server 130 that purchases a slip for the foreign card corresponding to the card information. It is preferable to comprise a.

If the professional relay target server to relay the approval request message is confirmed (2840), the bansa server 125 relays the approval result message to the identified professional relay target server (2845).

FIG. 29 is a diagram illustrating a transaction processing process of the document purchase company server 130 according to the fourth embodiment of the present invention.

More specifically, FIG. 29 confirms the document purchase company server 130 on the card brand affiliate charging / using card transaction system shown in FIG. 27 as a specialized relay target server through the transaction request process shown in FIG. 28. In the case of relay transmission of the full text, the document purchase company server 130 reads the BIN of the card information included in the approval request message, and the card information included in the approval request message is a card issued by the document purchase company, or Check whether the document purchaser is an overseas card including BIN information of a card brand company affiliated to process the document purchase business, and if the card information is confirmed (or recognized) by a card issued by the document purchase company, the approval request message Process the transaction authorization, and the card information is confirmed (or recognized) by an overseas card including a BIN affiliated with a card brand company. If the person who has a general knowledge in the technical field to which the present invention belongs to the transmission of the authorization request to the card brand company server 135 through the card brand network, refer to this figure 29 And / or may be modified to infer various implementation methods for the transaction processing of the document purchase company server 130, but the present invention includes all the implementation methods inferred, and is shown in FIG. The technical features are not limited only by the method.

Referring to FIG. 29, through the transaction request process shown in FIG. 28, the document purchase company server 130 on the card brand affiliated charge / use card transaction system shown in FIG. In the case of relay transmission, the document purchase company server 130 receives the approval request text from the bansa server 125 (2900), and reads the BIN of the card information included in the approval request text to the card information. It is checked whether the corresponding card is a card issued by the document purchaser or an overseas card including BIN information of a card brand company affiliated to process the document purchase business (2905).

If the card corresponding to the card information is identified (or recognized) as an overseas card including the BIN information of the card brand of the affiliated company to handle the document purchase business (2910), the document purchase company server 130 is The card brand company which relays and transmits the approval request message is confirmed through the BIN of the card information (2915), and the card brand company server 135 corresponding to the checked card brand company through the card brand network of the card brand company. In step 2920, the full text of the approval request is relayed.

On the other hand, if it is confirmed (or recognized) by the card issued by the slip purchase company corresponding to the card information (2910), the slip buying company server 130 checks the card information, transaction information and merchant information included in the full approval request In operation 2930, the card management D / B 2765 confirms a transaction approval limit amount for each transaction attribute corresponding to the card limit information provided in connection with the card information (2930).

According to an exemplary embodiment of the present invention, when the card includes a postpaid transaction attribute (for example, credit card transaction attribute), the document purchase company server 130 stores the credit limit amount information included in the card limit information. It is advisable to check the transaction approval limit for.

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 document purchase company server 130 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 document purchase company server 130 reads the charge amount information included in the card limit information. It is desirable to confirm with the transaction authorization limit amount on the card.

If the transaction approval limit amount for each transaction attribute of the card is confirmed (2935), the document purchase company server 130 based on the transaction attribute for the transaction amount included in the full approval request based on the confirmed transaction approval limit amount. Transaction approval is processed (2940).

According to an embodiment of the present invention, when the card includes a postpaid transaction attribute (for example, credit card transaction attribute), the document purchase company server 130 is linked to the transaction history D / B (2763) for a certain period of time. While confirming the cumulative transaction approval amount approved for the transaction through the card, adding the identified cumulative transaction approval amount and the transaction amount included in the transaction information, and adding the summed amount and the confirmed transaction approval limit amount (e.g., It is preferable to check whether the transaction approval or the transaction error for the transaction amount 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 document purchase company server 130 may process the transaction.

According to another exemplary embodiment of the present invention, when the card includes a debit type transaction attribute (eg, a check card transaction attribute or a debit card transaction attribute), the document purchase company server 130 may set the transaction approval limit amount (eg, The balance of the linked account) and the transaction amount included in the transaction information may be compared to confirm whether the transaction is approved or the error of the transaction.

For example, when the transaction approval limit amount (eg, the balance of the linked account) is greater than the transaction amount, the document purchase company server 130 may process 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 document purchase company server 130 and 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 document purchase company server 130 may process the transaction.

If the transaction approval processing result does not confirm the transaction approval for each transaction property (2945), the document purchase company server 130 generates a full text of the approval result containing the transaction error information and transmits to the bansa server 125 ( 2950), in response, the bansa server 125 transmits and outputs the full approval result including the transaction error information to the affiliated store terminal 140 through a communication channel connected to the affiliated store terminal 140 (2955).

On the other hand, if the transaction approval processing result confirms the transaction approval for each transaction attribute (2945), the document purchase company server 130 generates a transaction history including the transaction approval result (2960).

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 document purchase company server 130 generates an approval result message including the transaction history and transmits the generated professional document to the bansa server 125 (2965). In response thereto, the bansa server 125 is a merchant terminal 140. And transmits the full text of the approval result including the transaction history to the affiliated store terminal 140 through the communication channel connected to the terminal (2955).

In addition, the document purchase company server 130 includes the transaction information including at least one or more card information included in the generated transaction history, transaction approval date, transaction approval amount, merchant information and transaction approval information; Store in B 2763 (2970).

30 is a view showing a transaction approval request process of a card brand according to a fourth embodiment of the present invention.

In more detail, FIG. 30 illustrates a process of processing the document purchase company server 130 shown in FIG. 29 to the card brand company server 135 on the card brand affiliated charge / use card transaction system shown in FIG. A charge / use card that is manufactured through the charge / use card manufacturing system shown in FIG. 2 and sold (or paid) to a customer, and charged with a charge amount through the charge / use card charging system shown in FIG. 4 or 7. If the authorization request message containing the card information corresponding to the use of the card is transmitted, the card brand company server 135 relays the authorization request message to the card issuer server 115 operating the charge / use card. As shown in the transmission process, those of ordinary skill in the art to which the present invention pertains, with reference to and / or modified this figure 30, the card brand company's transaction approval Various implementation methods for the request process 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. 30, an overseas card is transferred to a card brand company server 135 on a card brand affiliated charge / use card transaction system shown in FIG. 27 through a transaction process of the document purchase company server 130 shown in FIG. When the authorization request message including the card information recognized as is transmitted, the card brand company server 135 receives the approval request including the card information recognized as the foreign card from the card purchase company server 130 through the card brand network Receive the full text (3000).

According to the implementation method of the present invention, the card information included in the full approval request is produced through the charging / use card manufacturing system shown in FIG. 2 and sold (or paid) to a customer, and the drawing 4 or 7 It is preferable that the charging / use card charging system includes the card information corresponding to the use card of the charge / use card in which the charge is charged.

Thereafter, the card brand company server 135 checks the BIN information corresponding to the card information included in the received approval request text, and corresponds to the BIN information in association with the issuer BIN D / B 2780. Check the issuer information (3005).

According to the embodiment of the present invention, the charging / use card manufacturing system shown in FIG. 2 is manufactured and sold (or paid) to a customer, and the charging / use card charging system shown in FIG. The card information corresponding to the use card of the charge / use card charged with the charged amount is recognized as the overseas card, and the card brand company server 135 is included in the card information corresponding to the use card of the charge / use card. It is preferable to check the issuer server of the BIN information with the card issuer server 115 that operates the charge / use card.

If the issuer information corresponding to the card information included in the approval request text is not confirmed (3010), the card brand company server 135 generates the full text of an approval result including the issuer error information and generates the card brand network. Through the document purchase company server 130 through (3015), the document purchase company server 130 transmits the full text of the approval result to the bansa server 125 through a communication channel connected to the bansa server 125 and In response to this, the bansa server 125 transmits and outputs the full text of the approval result to the affiliated store terminal 140 through a communication channel connected to the affiliated store terminal 140 (3025).

On the other hand, if the issuer information corresponding to the card information included in the approval request text is confirmed (3010), the card brand company server 135 transfers the approval request text to the issuer server corresponding to the confirmed issuer information. Relay transmission requests the approval of the transaction for the approval request text (3030).

According to the embodiment of the present invention, the charging / use card manufacturing system shown in FIG. 2 is manufactured and sold (or paid) to a customer, and the charging / use card charging system shown in FIG. The card information corresponding to the use card of the charge / use card charged with the charged amount is recognized as the foreign card, and the card brand company server 135 deals with the card information corresponding to the use card of the charge / use card. It is preferable to request a transaction approval of the transaction amount through the card corresponding to the card information by relaying the authorization request message including the amount information to the card issuer server 115 operating the charge / use card.

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

In more detail, FIG. 31 shows the charge / use of the card issuer server 115 on the card brand affiliated charge / use card transaction system shown in FIG. 27 through a transaction approval request process of the card brand shown in FIG. When the authorization request message including card information corresponding to the use card of the card is received, the charge / use card 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 of the card, and those of ordinary skill in the art to which the present invention pertains, referring to and / or modified this drawing 31 to the charge / use It will be possible to infer various implementation methods for the transaction process through the use of the card, but the present invention includes all the implementation methods inferred above. Becomes luer, it is not limited that the technical features of only the exemplary method shown in the figure 31.

Referring to FIG. 31, the card brand company shown in FIG. 30 is made through the charge / use card manufacturing system shown in FIG. 2 through a request for approval of a transaction and sold (or paid) to a customer. The authorization request full text including the card information corresponding to the use card of the charge / use card charged with the charge amount through the charge / use card charging system shown in FIG. When received by the card issuing server 115 on the transaction system, the card issuing server 115 from the card brand company server 135 through the card brand network card information corresponding to the use card of the charge / use card Receive the approval request message including a 3100, and reads the card information contained in the approval request full message to include the BIN information according to the BIN system of the card brand company Checks the use card information (3105).

If the card information including the BIN information according to the BIN system of the card brand company is not read by reading the card information included in the full text of the authorization request (3110), the card issuer server 115 displays the transaction error information. Generate a full text of the approval result including the transmission to the card brand company server (135) (3115), the card brand company server 135 transmits the full text of the approval result including the transaction error information to the document purchase company server (130) The document purchase company server 130 transmits the full approval result including the transaction error information to the bansa server 125 through a communication channel connected with the bansa server 125 (3125). The bansa server 125 transmits the full text of the approval result to the affiliated store terminal 140 through a communication channel connected with the affiliated store terminal 140 and outputs the complete certificate (3130).

On the other hand, when the card information including the BIN information according to the BIN system of the card brand company is read by reading card information included in the full text of the authorization request (3110), the card issuer server 115 stores the storage medium 2795. In step 3135, the card is activated in use of the charge / use card.

If the use card of the charge / use card is not activated (3140), the card issuer server 115 generates a full text of the authorization result including transaction error information and transmits it to the card brand company server 135 ( 3115), the card brand company server 135 transmits the full approval result including the transaction error information to the document purchase company server 130 (3120), and the document purchase company server 130 is the bansa server 125 Sending the full approval result including the transaction error information to the bansa server 125 through the communication channel connected to (3125), the bansa server 125 is authorized through the communication channel connected to the merchant terminal 140 The result message is transmitted to the affiliated store terminal 140 and output (3130).

On the other hand, if the use card of the charge / use card is activated (3140), the card issuing server 115 in connection with the storage medium 2795 and the charge card information and the charge card associated with the use card information Check the charged amount information charged through (3145).

According to an embodiment of the present invention, when the available amount information (or use amount ratio information) for each use card of the charge / use card is stored in the storage medium 2795, the card issuer server 115 may store the stored medium. It is preferable to further check the available amount of money information (or use amount ratio information) for each of the use cards associated with the use card information corresponding to the card information in association with 2727.

According to an embodiment of the present invention, the amount of money available for each use card may include a limit amount for each of the first to Nth use cards, regardless of the amount (or balance) charged through the charge card. Do.

For example, when the available amount of the first use card is 1 million won and the available amount of the second use card is 1 million won, if the amount (or balance) charged through the recharge card is 3 million won, The first use card can be used up to one million won of the recharge amount, and the second use card can be used up to one million won of the recharge amount.

Alternatively, when the amount of money available in the first use card is 1 million won and the amount of money available in the second use card is 1 million won, if the amount (or balance) charged through the charge card is 500,000 won, the first amount The use card can be used up to 500,000 won (or the balance) of the charge amount, and the second use card can also be used up to 500,000 won.

According to an embodiment of the present invention, the use amount ratio information for each use card may include a charge amount ratio for determining the limit amount for each of the first to Nth use cards based on the amount (or balance) charged through the charge card. It is preferable to include information.

For example, when the amount of the use amount of the first use card is 30% and the amount of the use amount of the second use card is 40%, if the amount (or the balance) charged through the charge card is 3 million won, The first use card can be used up to 900,000 won of the recharge amount, and the second use card can be used up to 1.2 million won of the recharge amount.

According to another exemplary embodiment of the present invention, when incentive information for each use card of a charge / use card is stored in the storage medium 2795, the card issuer server 115 may be connected to the storage medium 2795. It is preferable to further check incentive information for each use card associated with the use card information corresponding to the information.

If the charge card information associated with the use card information and the charge amount information charged through the charge card are not confirmed (3150), the card issuer server 115 generates a full text of an approval result including transaction error information. The card brand company server 135 to transmit (3115), the card brand company server 135 transmits the full approval result including the transaction error information to the document purchase company server 130 (3120), the document Acquisition company server 130 transmits the full approval result including the transaction error information to the bansa server 125 through the communication channel connected to the bansa server 125 (3125), the bansa server 125 is the The entire authentication result is transmitted to the affiliated store terminal 140 through a communication channel connected to the affiliated store terminal 140, and outputs the received result (3130).

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 (3150), the card issuing server 115 is the transaction type (eg, card) for the full approval request Issuer merchant transaction, domestic transaction, foreign transaction) and compare the transaction card information with the transaction type, the transaction type through the use card and the transaction type for the authorization request (eg, card issuer merchant transaction, It checks the validity of the use card for each transaction type (3155).

According to an exemplary embodiment of the present invention, when the use card of the charge / use card is a first use card that can be used at an affiliate of a card issuer operating the charge / use card, the card issuer server 115 is configured to execute the card. It is preferable to check whether the transaction type is the card issuer merchant transaction, and when the use card of the charge / use card is the first use card and the transaction type is confirmed as the card issuer affiliate transaction, use by transaction type It is desirable to confirm that the card validity is satisfied.

According to another embodiment of the present invention, when the use card of the charge / use card is the second use card which can use the charge amount at a domestic merchant, the card issuer server 115 determines whether the transaction type is a domestic transaction. It is preferable to confirm, and when the use card of the charge / use card is the second use card and the transaction type is confirmed as a domestic transaction, it is preferable to confirm that the use card validity by transaction type is satisfied.

According to another embodiment of the present invention, when the use card of the charge / use card is the third use car which can use the charge amount at an overseas merchant, the card issuer server 115 determines whether the transaction type is an overseas transaction. It is preferable to confirm, and when the use card of the charge / use card is the third use card and the transaction type is confirmed as a foreign transaction, it is preferable to confirm that the validity of the use card for each transaction type is satisfied.

If the validity of the use card for each transaction type is not verified (3160), the card issuer server 115 generates a full text of an authorization result including transaction error information and transmits it to the card brand company server 135 (3115). The card brand company server 135 transmits the full text of the approval result including the transaction error information to the document purchase company server 130 (3120), and the document purchase company server 130 is connected to the bansa server 125. The full text of the approval result including the transaction error information is transmitted to the bansa server 125 through the communication channel (3125), and the bansa server 125 receives the full text of the approval result through the communication channel connected to the affiliated store terminal 140. To transmit to the merchant terminal 140 outputs (3130).

If the validity of the use card for each transaction type is confirmed (3160), the card issuer server 115 uses the charge / use card of the charge / use card through the charge amount information charged through the charge card of the charge / use card. The transaction approval for the transaction amount used (= transaction amount included in the full approval request) is processed (3165).

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.

According to an embodiment of the present invention, when the available amount information (or use amount ratio information) for each use card of the charge / use card is stored in the storage medium 2795, the use amount information for each use card (or use amount) Rate information), the card issuing server 115 determines the transaction amount based on a limit corresponding to the available amount information (or use amount ratio information) for each use card among the amounts charged through the charging card. It is advisable to handle transaction approval.

That is, when the available amount information (or use amount ratio information) for each use card is confirmed, the card issuer server 115 may approve the transaction for the transaction amount through the amount charged through the charge card. In addition, it is preferable to process the transaction approval for the transaction amount by calculating a limit amount corresponding to the usable amount information (or use amount ratio information) of the checked use card among the charged amount.

According to another exemplary embodiment of the present invention, when incentive information for each use card of a charge / use card is stored in the storage medium 2795, when the incentive information for each use card is confirmed, the card issuer server 115 may determine the incentive information. The incentive information (e.g., fee discount incentive information, mileage incentive information, coupon discount incentive information, etc.) for each identified use card may be processed to be applied to the transaction approval in connection with the storage medium 2795, or through the use card. It is characterized in that the processing to be provided.

For example, when the incentive information for each use card is confirmed, the card issuer server 115 may discount a fee, provide mileage, or apply a coupon discount according to the transaction approval through the use card. desirable.

Alternatively, when the incentive information for each use card is confirmed, the card issuer server 115 further includes fee discount incentive information, mileage incentive information, and coupon discount incentive information in the use card information stored in the storage medium 2795 ( Or by storing), it is preferable that the incentive is applied to the payment / financial transaction through the use card in the future.

If a transaction for the transaction amount is not approved through the use card of the charge / use card (3170), the card issuer server 115 generates a full text of an authorization result including transaction error information to generate a card brand company server ( 135 to 3115, the card brand company server 135 transmits the full approval result including the transaction error information to the document purchase company server 130 (3120), and the document purchase company server 130 is The full text of the approval result including the transaction error information is transmitted to the bansa server 125 through the communication channel connected to the bansa server 125 (3125), and the bansa server 125 is connected to the affiliated store terminal 140. The entire authentication result is transmitted to the affiliated store terminal 140 through the connected communication channel and is output (3130).

On the other hand, if a transaction for the transaction amount is approved through the use card of the charge / use card (3170), the card issuer server 115 links the charge / use card with the storage medium 2795. Subtract the transaction amount authorized through the use card of the charge / use card from the charge amount charged through the (3175), and generates the full text of the approval result including the transaction approval information corresponding to the transaction approval processing to the card brand company The card brand company server 135 transmits the full text of the approval result including the transaction approval information to the document purchase company server 130 (3175), and the document purchase company server 130 (3180). ) Transmits the full text of the approval result including the transaction approval information to the bansa server 125 through the communication channel connected to the bansa server 125 (3180), and the bansa server 125 is the merchant terminal 140. ) And kite The transmission result is transmitted to the affiliated store terminal 140 through the established communication channel and outputs the received authorization message (3130).

According to the embodiment of the present invention, when the card brand company server 135 recognizes and processes a transaction for a use card of the charge / use card as a domestic card of the country where the slip purchase company is located, the card brand company server ( 135 is a document purchase process for processing the purchase of a document corresponding to the use card of the charge / use card in the full text of the approval result relayed to the document purchase company server 130 according to the document purchase procedure of the country where the document purchase company is located. It is possible to relay the transmission further including a flag, in this case, the purchase agent server 130 is a foreign card included in the full text of the approval result in accordance with the domestic card purchase procedure for the purchase card of the charge / use card It is desirable to purchase and process the documents for transaction details.

32 is a diagram illustrating an overseas card purchase process for a use card transaction of a charge / use card associated with a card brand according to the fourth embodiment of the present invention.

In more detail, Figure 32 shows the transaction of the credit card used in the charge / use card through the transaction process through the use card of the charge / use card shown in Figure 31, after the credit card affiliated charge shown in Figure 27 / Shows a process of purchasing a document for the use card transaction by the foreign card slip purchase method in the slip purchase company server 130 on the card transaction system, if the person having ordinary knowledge in the technical field to which the present invention belongs, While referring to and / or modifying the drawing of FIG. 32, various implementation methods for the foreign card-based voucher purchase process for the credit card transaction of the charge / use card affiliated with the card brand may be inferred. It is made including all the implementation methods, the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 32, after the transaction through the use card of the charge / use card is processed through the transaction through the use card of the charge / use card shown in FIG. 31, the card brand affiliated charge / shown in FIG. The document purchase company server 130 on the use card transaction system confirms whether the purchase of the document for the transaction approval through the use card of the charge / use card is performed through the use process of the use card of the charge / use card shown in FIG. (3200).

According to an exemplary embodiment of the present invention, when a certain period has elapsed after approval of the transaction through the use card of the charge / use card, the slip purchase company server 130 may be provided for the transaction approval through the use card of the charge / use card. It is preferable to confirm by purchasing a slip.

According to another exemplary embodiment of the present invention, if the slip purchase company server 130 is requested to purchase a slip from the Bansa server 125 to the card issuer server 115 after the transaction approval through the use card of the charge / use card In addition, it is preferable to confirm the purchase of a slip for the transaction approval through the use card of the charge / use card.

If it is confirmed to purchase the document for the transaction authorization through the use card of the charge / use card (3205), the document purchase company server 130 is a slip corresponding to the transaction approval through the use card of the charge / use card Purchasing according to the foreign slip purchase procedure (3210).

Those skilled in the art to which the present invention pertains, since they will be familiar with the procedure of buying overseas slips for overseas cards, 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 an overseas document purchase procedure (3215), the document purchase company server 130 purchases a document for the use card of the charge / use card. The card brand company server 135 transmits a result (3220), and the card brand company server 135 transmits the slip purchase result to the card issuer server 115 (3225).

According to another exemplary embodiment of the present invention, the voucher purchaser may directly transfer the voucher purchase result for the use card of the charge / use card to the card issuer server 115, whereby the present invention is not limited thereto. No.

FIG. 33 is a diagram illustrating a domestic card type purchase process for a use card transaction of a charge / use card associated with a card brand according to the fourth embodiment of the present invention.

In more detail, Figure 33 shows the transaction of the credit card used in the charge / use card through the transaction process through the use card of the charge / use card shown in Figure 31, after the credit card affiliated charge shown in Figure 27 / Shows a process of purchasing a slip for the use card transaction in the domestic card slip purchase method in the slip purchase company server 130 on the card transaction system, if the person having ordinary knowledge in the technical field to which the present invention belongs By referring to and / or modifying the drawing 33, it is possible to infer various implementation methods for the domestic card-type voucher purchase process for the use card transaction of the charge / use card associated with the card brand, the present invention is inferred It is made to include all the implementation methods, the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 33, after the transaction through the use card of the charge / use card is processed through the transaction through the use card of the charge / use card shown in FIG. 31, the card brand affiliate charge / shown in FIG. The slip purchase company server 130 on the use card transaction system converts the slip for the transaction approval through the use card of the charge / use card into a domestic slip through the transaction process using the charge / use card shown in FIG. 31. In operation 3300, it is checked whether or not the purchase is made.

Here, the purchase of replacing the slip for the transaction approval through the use card of the charge / use card with a domestic slip is performed on the use card of the charge / use card in the card brand company server 135 shown in FIG. If the transaction is recognized as a domestic card of the country where the document purchaser is located and processed, and the domestic card recognition flag is included in the full text of the approval result delivered to the document purchaser through the process shown in FIG. It is preferable to purchase the domestic slip by replacing the above slip with a domestic slip through a flag for domestic card recognition.

According to an exemplary embodiment of the present invention, when a certain period has elapsed after approval of the transaction through the use card of the charge / use card, the slip purchase company server 130 may be provided for the transaction approval through the use card of the charge / use card. It is preferable to confirm by purchasing a slip.

According to another exemplary embodiment of the present invention, if the slip purchase company server 130 is requested to purchase a slip from the Bansa server 125 to the card issuer server 115 after the transaction approval through the use card of the charge / use card In addition, it is preferable to confirm the purchase of a slip for the transaction approval through the use card of the charge / use card.

If it is confirmed to replace the document for the transaction approval through the use card of the charge / use card with the domestic slip (3305), the document purchase company server 130 approves the transaction through the use card of the charge / use card. The document corresponding to the purchase is purchased according to the domestic card purchase procedure (3310).

Those skilled in the art to which the present invention pertains, because they will be familiar with the procedure for purchasing a slip for a domestic card, a 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 a domestic slip purchase procedure (3315), the slip purchase company server 130 purchases a slip for the use card of the charge / use card. The result is transmitted to the card issuer server 115 (3320).

According to the present invention, by making a charge / use card made up of one or more payment card / credit card used in connection with the payment card / credit card, the disposable charge card for charging the payment amount for the payment / financial transaction approval to the customer After the sale (or payment), by using the amount charged through the charge card through any one of a plurality of use cards to handle payment / financial transactions, the problem of the conventional prepaid card and credit card There is an advantage to providing a card that solves the problem.

According to the present invention, by making a charge / use card made up of one or more payment card / credit card used in connection with the payment card / credit card, the disposable charge card for charging the payment amount for the payment / financial transaction approval to the customer After the sale (or payment), by using the amount charged through the charge card through any one of a plurality of use cards to process payment / financial transactions, the charge card without limitation of time / region There is an advantage of charging the charge amount through, and using the charge amount through the use card to provide a payment / financial transactions. For example, if the parent of the charge / use card to charge the possession of the charge card, when a plurality of children have each use card, the parent can charge the charge amount through the charge card, Children can use the charged amount charged by the parents anywhere through the use card.

According to the present invention, by making a charge / use card made up of one or more payment card / credit card used in connection with the payment card / credit card, the disposable charge card for charging the payment amount for the payment / financial transaction approval to the customer While selling (or paying), the plurality of use cards are classified and provided by use steps such as card issuers, merchants transactions, domestic transactions, and overseas transactions, thereby providing a customized service for each use step.

Claims (13)

The charge / use is issued by a card issuer that issues a charge / use card that is formed by linking at least one payment / use transaction card and a charge card that charges a payment amount for payment / finance transaction approval for the use card. In how to operate the card, Charge card information corresponding to the charge card of the charge / use card, the first use card information that can be used to charge the charge amount charged through the charge card at the merchant of the card issuer, and the charge amount can be used in domestic merchants Storing second charge card information and the charge amount on a storage medium in association with third charge card information that can be used at an overseas merchant; and charging function of the charge card and use function of the first, second and third use cards Deactivating; Activating a charging function of the charging card and activating a use function of the first, second and third use cards using the amount charged through the charging card when the charging amount is charged through the charging card; When a transaction request is made through the use card of the charge / use card, the card information included in the full text of the authorization request requesting the transaction is read to confirm first, second or third use card information matching the card information, Identifying a transaction type for the full text of the authorization request-a card issuer affiliate store transaction, a domestic transaction, or an overseas transaction; Checking the validity of the use card for each transaction type by comparing the use card information with the transaction type; When confirming the validity of the use card for each transaction type, the step of approving the transaction corresponding to the full approval request through the charge amount charged through the charge card of the charge / use card; How to operate a charge / use card. The method of claim 1, Incentive information for each use card (or transaction type) corresponding to the first use card (fee reduction, coupon offer), incentive information for each use card (or transaction type) corresponding to the second use card, and a third use card The method further comprises the step of storing incentive information for each use card (or transaction type) in a storage medium in association with the first, second and third use card information in a storage medium. How cards work. The method of claim 1, By using available amount information (or use amount ratio information) for each of the first, second and third use cards for the charge amount charged through the charge card, the first, second and third use card information and the manufacturer Charging / use card operating method for each use step further comprising the step of storing in the storage medium. The method of claim 1, When checking the use card information matching the card information, checking whether the use function of the use card information matching the card information is activated in association with the storage medium; And Checking the charge card information associated with the use card information activated with the use function and the charge amount information charged through the charge card in association with the storage medium; How to operate a charge / use card. The method of claim 4, wherein When the amount of usable amount information (or use amount ratio information) for each use card is further stored in the storage medium, the amount of use amount information (or use amount ratio information) for each use card associated with the use card information in association with the storage medium. Charging / use card operating method for each use step, characterized in that further comprising the step of checking. The method of claim 1, Confirming incentive information for each use card (or transaction type) corresponding to the use card information corresponding to the transaction approval when the transaction is approved; And And processing the incentive for each use card (or transaction type) to be provided (or applied to the use card) to the transaction approval. The method of claim 1, Generating document purchase information for the amount of money authorized through the first, second and third use cards of the charge / use card; Purchasing and processing a document for each transaction type for the amount of money authorized through the first, second and third use cards through the purchase information; And And integrating the purchased transaction type document into a document for the charge / use card. The method of claim 1, wherein the charge / use card, Charge / use removable card provided with a first terminal, a second card, and a third card, and a charging card for charging a payment amount for the payment / financial transaction approval for the card; Charge / provided in any one of the first, second and third use card and a charge card for charging the payment amount for the payment / financial transaction approval for the use card in one terminal medium or card medium Charging / use card operating method for each use stage, characterized in that it comprises any one of the use integrated card. A computer-readable recording medium having recorded thereon a program for executing the method of any one of claims 1 to 7. The charge / use is issued by a card issuer that issues a charge / use card that is formed by linking at least one payment / use transaction card and a charge card that charges a payment amount for payment / finance transaction approval for the use card. In the system that operates the card, Charge card information corresponding to the charge card of the charge / use card, the first use card information that can be used to charge the charge amount charged through the charge card at the merchant of the card issuer, and the charge amount can be used in domestic merchants Storing second charge card information and the charge amount on a storage medium in association with third charge card information that can be used at an overseas merchant; and charging function of the charge card and use function of the first, second and third use cards Information storage means for deactivating; When charging the charge amount through the charge card, the charge / use to activate the charging function of the charge card, and to activate the use function of the first, second and third use card using the amount charged through the charge card Card charging means; When a transaction request is made through the use card of the charge / use card, the card information included in the full text of the authorization request requesting the transaction is read to confirm first, second or third use card information matching the card information, Information confirmation means for identifying a transaction type for the full text of the authorization request-a card issuer, a merchant transaction, a domestic transaction, or an overseas transaction; Validity checking means for checking the validity of the use card for each transaction type by comparing the use card information with the transaction type; And transaction approval processing means for approving a transaction corresponding to the approval request message through the charge amount charged through the charge card of the charge / use card when checking the validity of the use card for each transaction type. Charge / use card operating system by usage level. The method of claim 10, wherein the information storage means, Incentive information per use card (or transaction type) corresponding to the first use card-fee discount, mileage accumulation, coupon offer-, incentive information for use card (or transaction type) corresponding to the second use card, and third Charge / use card operating system for each use step, characterized in that the incentive information for each use card (or transaction type) corresponding to the use card is stored in the storage medium in association with the first, second and third use card information and the producer. The method of claim 10, wherein the information storage means, By using available amount information (or use amount ratio information) for each of the first, second and third use cards for the charge amount charged through the charge card, the first, second and third use card information and the manufacturer Charge / use card operating system for each step of use, characterized in that stored in the storage medium. The method of claim 10, The information checking means, When incentive information for each use card (or transaction type) is further stored in the storage medium, the incentive information for the use card (or transaction type) corresponding to the use card information corresponding to the transaction approval is checked in association with the storage medium. Characterized in that, The transaction approval processing means, Charge / use card operating system for each use step, characterized in that the processing to be applied (or provided through the use card) incentive for each use card (or transaction type).

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