KR100471942B1 - Complex type card and card information registration control system - Google Patents

Abstract

The present invention is to ensure the maximum recording area of the user's photo, personal information, financial information, membership information recorded on the outer surface of the information card, the personal information, various financial information, membership information is recorded Provided is a composite card and card information registration control system that enables additional registration of new financial information or membership information and mileage point information according to a single semiconductor card.

To this end, in the present invention, a photo area for transferring a user's picture is formed on one side of the front surface of the information card, and a personal information area for storing identification information, credit information, and membership information of the user is formed on the other side thereof. Constitute a composite card; Card information reading / recording means for reading card information from an information card containing predetermined card information and recording newly registered card information on the information card; Key input means for performing key input for selecting a payment method and inputting information for payment processing, for performing a payment processing request through card information, and for newly registering new card information in the information card. Control means for performing the control, the user information memory means for storing the history information for the information card, and the data communication means connected to the value-added network to perform the communication for the exchange of payment information and authentication information .

Description

COMPLEX TYPE CARD AND CARD INFORMATION REGISTRATION CONTROL SYSTEM}

The present invention relates to a composite card and a card information registration control system. More specifically, personal information, various financial information, and membership information for a paid / free transaction can be recorded and managed in a single semiconductor card. In addition, the present invention relates to a hybrid card and a card information registration control system for additionally registering and managing new financial information and membership information.

In general, an information card using a magnetic card, an optical card, or the like is made to be easy to carry and is capable of recording important credit or personal information of an individual or a corporation.

In the case of such an information card, personal information or credit information necessary for financial transactions is recorded on a magnetic recording surface printed on a plastic card or a built-in semiconductor chip, and information required through a dedicated personal inquiry terminal or financial transaction inquiry terminal is recorded. The payment processing required for inquiry or withdrawal of cash or commerce can be made.

In addition, the information card has been developed in recent years in the form of a transportation card that can be used for payment of the transportation fee for the paid use of public transportation means, and various customers (for example, chain stores of the food industry, where paid or free transactions occur) Membership card types are also developed to provide membership points and use points for transactions at various paid / free sports clubs, clothing stores, gas stations, department stores, warehouse discount marts, etc.) and charge virtual electronic money. Therefore, a form of electronic money card that can process the amount to be paid at the time of commerce without carrying cash has been developed and is widely used. Usage is on the rise.

In order to cope with such a complex information card, the user's photo, card number, ID card number, advertising logo, etc. are included in the front and rear of the card in order to allow the complex use of credit card, cash card and ID card.

However, the information card in the form of such a conventional magnetic card or an optical record card incorporating a semiconductor chip is gradually increasing its use in various fields including financial transactions and membership membership management. In order to receive the service, each individual information card must be issued and used separately, so that not only card management of the card user is difficult, but also the cost burden increases as the card issuing cost increases exponentially.

In addition, since the front and rear of the information card must contain a large amount of information such as a user's complex information, such as a photo and a card number, ID number, advertising logo, etc., a large amount of information should be stored in comparison with the limited size of the card. Not only is the reduction of the photograph size due to the inevitable, but also has a problem in that the limit of the storage capacity of the card can not be shown while keeping up with the increasing trend of information given to the card.

Accordingly, the present invention has been made in view of the above-described conventional circumstances, and an object thereof is to ensure a maximum recording area of a user's picture, personal information, financial information, and membership information recorded on the outer surface of the information card. It is to provide a composite card.

Another object of the present invention is a complex to allow a variety of personal information, various forms of financial information, membership information, such as membership information for free or free transactions, collectively recorded and managed on a single semiconductor card Is to provide a type card.

Another object of the present invention can additionally register and manage the financial information of the various financial institutions to be added, and the mileage point information given by the paid or free transaction based on the new membership information and its membership information. It is to provide a composite card.

It is still another object of the present invention to register new financial information or membership information and mileage point information on a single semiconductor card in which personally identifiable information, various financial information, and membership information are recorded in addition to financial transactions or It is to provide a card information registration control system that allows you to query the financial information or membership information already registered for paid or free transactions.

According to one embodiment of the hybrid card of the present invention to achieve the above object, the front half of the information card is formed on one side is formed a photo area to transfer the user's photo, the other side of the user identification information and credit Characteristic information area containing information, membership information is formed to be formed.

According to another example of the hybrid card of the present invention to achieve the above object, in addition to transmitting the card information stored in advance in response to an external information query request, and receiving a card information requesting a new registration from the outside In addition to receiving and transmitting the received information and card information from the outside in accordance with a request for inquiry of card information, the card information that is already registered is read and transmitted. Control processing means for controlling information to be newly registered, personal information storage area storing personal information of the card user, financial information storage area storing various financial information, membership information of various customers required for paid / free transactions. Card memory with membership information storage area, which is newly generated by new transactions of financial institutions A registration information memory having a financial information recording area storing financial information, a membership information recording area storing membership information newly registered according to paid / free transactions and mileage point information based on the membership information, and transmitting and receiving the information. And memory recording control means for performing a recording process for newly registering new card information received from the outside through the means into the registration information memory.

According to the card information registration control system of the present invention for achieving the above object, the card information is read from the information card containing the predetermined card information, and the card information newly registered by the card user is read. Perform key input for reading / recording card information for recording in the card, registering a user's account for registering new card information, selecting a payment method according to a paid transaction, and inputting information for payment processing. According to the key input means, the card information of the information card according to the function operation for payment processing according to the paid transaction of the key input means to perform the request for payment processing through the card information through the value-added network, If the card information necessary for the used transaction is not registered, the card information obtained by the new user account is displayed. Control means for performing a control for newly registering, user information memory means for storing various card information registered in the information card, history information related to payment processing, and payment through various payment methods connected to a value added network Characterized in that the data communication means for performing the communication for the exchange of payment information and authentication information to enable processing.

Hereinafter, the present invention configured as described above will be described in detail with reference to the accompanying drawings.

1 is a diagram showing the configuration of the card information registration control system according to the present invention.

As shown in FIG. 1, the card information registration control system according to the present invention includes a hybrid card 10, first and second card inquiry / recording terminals 20a and 20b, a financial information management server 30, The financial information database 40 and the value-added network server 50.

In the figure, the hybrid card 10 is equipped with a semiconductor memory that contains a combination of personal information of the card user, various financial information, membership information for paid or free transactions, which is a new financial institution and The financial information used for the transaction and the membership information used for the new paid / free transaction can be additionally registered in the semiconductor memory.

The first card inquiry / recording terminal 20a accumulates mileage points according to the number of transactions / transaction volume of the user through the hybrid card 10 while the user of the hybrid card 10 is allowed to trade free or for free. It is provided in various customers (for example, chain stores in the food industry, various paid / free sports clubs, clothing stores, gas stations, department stores, warehouse-type discount marts, etc.) that can be provided and provided on the composite card 10. On the basis of the financial information and membership information, the user can perform the financial settlement according to the paid transaction of the user and pay the mileage points given according to the result of the transaction.

The first card inquiry / recording terminal 20a, if the membership information of the corresponding customer is not registered at the time of inquiring the membership information of the hybrid card 10 according to the paid / free transaction of the card user, the first card inquiry / recording terminal 20a, For example, membership information combining the predetermined account designation information and the new account information of the user may be determined and registered in the hybrid card 10.

Here, the first card inquiry / recording terminal 20a is based on membership information along with payment processing by the financial settlement means contained in the composite card 10 at the time of the financial settlement according to the paid transaction of the card user. The payment processing using the accumulated mileage point information is made possible.

In the figure, the second card inquiry / recording terminal 20b is provided at various financial institutions (for example, banks, credit card companies, private credit vaults, etc.) capable of financial transactions of card users, and opens a financial transaction account or a credit card. At the time of membership registration, the hybrid card 10 registers the financial information accordingly.

The financial information management server 30 is applied to a variety of financial institutions capable of financial transactions, according to the card user's financial transaction account opening through the card inquiry / recording terminal 20b or credit card membership registration according to the card ( In addition to managing the financial information of the user newly registered in 10), based on the financial information registered in the hybrid card 10, and performs the payment processing according to the financial settlement request through the value-added network.

The financial information database 40 stores the financial information of the user registered in the hybrid card 10 under the management of the financial information management server 30, the payment service is executed based on the financial information of the user Payment information is stored according to.

Here, the payment service of the financial information that can be managed through the financial information management server 30 is a prepaid card payment service based on the remaining amount deposited in the financial transaction account when the financial institution is a bank, and Electronic money recharge service that can be charged and used in the composite card 10, and if the financial institution is a credit card company cash withdrawal service according to the credit limit for the card user of the hybrid card 10, One-time payment service and installment payment service are included.

In the same figure, the value-added network server 50, in response to a payment request from the first card inquiry / recording terminal 20a through the value-added communication network, the financial information management server 30 ) So that the financial settlement can be approved according to the usage.

Next, FIG. 2 is a block diagram showing the configuration of the hybrid card and card inquiry / recording terminal shown in FIG.

As shown in FIG. 2, the hybrid card 10 includes an information transmitting and receiving unit 2, a control processing unit 4, a card information memory 6, a registration information memory 8, and a memory recording control unit 9. It is composed of

In the hybrid card 10, the information transmitting / receiving unit 2 is directly connected to the connecting means for reading / writing information of the first card inquiry / recording terminal 20a or the second card inquiry / recording terminal 20b. Contact and transmit personally identifiable information, financial information or membership information stored on the card to each card inquiry / recording terminal 20a, 20b, and register the card from the terminal 20a, 20b for registration. The financial information or membership information transmitted will be received.

Here, the information transmitting and receiving unit 2 is implemented in a manner of directly contacting the connection means of the respective card inquiry / recording terminals 20a and 20b, but directly with each card inquiry / recording terminal 20a and 20b. It is also possible to employ a non-contact wireless information transmitting and receiving device (for example, an antenna) that transmits and receives related information wirelessly without being in contact.

In addition, the control processing unit 4 in response to a card information inquiry request from the first card inquiry / recording terminal 20a or the second card inquiry / recording terminal 20b via the information transmission / reception unit 2. Read and transmit personally identifiable information and financial information or membership information already registered in the memory 6 and the registration information memory 8, and use the financial information corresponding to the payment method selected at the time of the payment request according to the paid transaction. To process the payment process.

Here, the control processing unit 4 is the first card inquiry / recording terminal 20a or the second card inquiry / recording terminal 20b while a new financial transaction of a card user occurs or a paid or free transaction occurs. When new financial information or membership information is requested for registration, the financial information or membership information from the card inquiry / recording terminal 20a or 20b received through the information transmitting / receiving unit 2 is stored in the registration information memory. Control to be newly registered in (8).

In the figure, the card information memory 6 stores basic personal identification information, financial information, and membership information stored at the time of initial release of the hybrid card 10, which is the name of the card user, Stores personal information storage area 6a which stores personally identifiable information such as social security number, address, office name, working department, etc., and financial information such as credit card card number, financial transaction account number and electronic money amount information. The financial information storage area 6b, and the membership information storage area 6c in which the card user stores membership information that combines account designation information for the account for which the user makes a paid / free transaction and account information assigned to the user. Is done.

The registration information memory 8 is in the form of a memory such as an EEPROM capable of recording and erasing, and the mileage accumulated according to newly registered financial information, membership information, and membership information of the hybrid card 10. It is for storing point information, which is a financial information recording area 8a in which financial information such as a card number of a newly registered credit card, financial transaction account number, and electronic money amount information is recorded, and newly registered. It consists of a membership information recording area 8b in which membership information and mileage point information are recorded.

Here, the security information is set so that the financial information and the membership information recorded in the registration information memory 8 can be viewed only in a limited financial institution or a customer, and the security information is stored in the first card inquiry / recording terminal ( 20a) or from the second card inquiry / recording terminal 20b.

The memory recording controller 9 registers the financial information or membership information received from the first card inquiry / recording terminal 20a or the second card inquiry / recording terminal 20b received through the information transmission / reception section 2. The information is recorded and registered in the financial information recording area 8a and the membership information recording area 8b of the information memory 8, respectively.

In FIG. 2, the first and second card inquiry / recording terminals 20a and 20b respectively include an information reading / writing section 22, an information reading processing section 24, an information recording processing section 26, and a key input section 28. As shown in FIG. ), A control processor 32, a user information memory 34, and a data communication unit 36.

In the first and second card inquiry / recording terminals 20a and 20b, the information reading / recording section 22 is in direct contact with the information transmitting / receiving section 2 of the hybrid card 10, and the corresponding hybrid type. The personal information, financial information or membership information and mileage point information stored in the card 10 may be read or newly registered financial information or membership information may be recorded to register the combined card 10.

In addition, the information reading processing unit 24 reads the personal identification information, financial information or membership information, and mileage point information from the hybrid card 10 read from the information reading / recording unit 22. Will be processed in the form of data that can be recognized.

Under the control of the control processor 32, the information recording processing section 26, financial information or membership in which predetermined designation information and account information of a user are combined with a financial institution or a customer equipped with a corresponding card inquiry / recording terminal is combined. Performs an operation for recording and registering the information on the hybrid card 10 together with security information that is set so that only limited information can be inquired only at the financial institution or the customer.

In addition, the information recording processing unit 26 records to accumulate and register the mileage point information generated in accordance with the use of a financial institution using the composite card 10 or a paid / free transaction in the composite card 10. Perform the process.

The key input unit 28 includes a plurality of function key buttons for registering a new user account of financial information or membership information, selecting a payment method according to a paid transaction, and inputting information for payment processing.

The control processor 32 inquires the financial information stored in the hybrid card 10 according to the operation of the function key button for payment processing according to the paid transaction of the key input unit 28, and through the value-added network The server 50 performs a request for payment processing through financial information.

The control processor 32 registers membership information by operating a function key button of the key input unit 28 when the membership information of the user for the financial institution or the customer is not registered in the hybrid card 10. Registration information memory 8 of the hybrid card 10 together with security information, membership information that combines predetermined information specified for a financial institution or account with a request and the user's account information received through the key input unit 28 is requested. The information recording processing unit 26 is controlled to be recorded in the memory card. When the mileage points are generated by the use of the hybrid card 10, the point information for the hybrid card 10 is transmitted through the information recording processing unit 26. ) To be cumulatively recorded.

The user information memory 34 stores financial information or membership information of the user registered in the hybrid card 10, mileage point information thereof, and history information related to payment processing. , A financial institution) or a user identification information storage area 34a for storing identification information at the time of terminal inquiry about membership information (that is, a client that generates various paid / free transactions) and mileage port information. And a usage history information storage area 34b in which various history information of the card user is stored.

The data communication unit 36 is connected to the value-added network server 50 through the value-added network to perform communication for exchange of payment information and authentication information to enable payment processing through various payment methods.

Meanwhile, as shown in FIG. 3A, the hybrid card 10 divides the front portion 10A of the card and forms a photo area A on one side and a personal information area B on the other side. Since the photo area A is configured to transfer the user's picture using all of the half-sided areas of the card front part 10A, the size of the picture is increased by the size of the user. Make it easier to do.

On the other hand, in the personal information area (B), credit such as a card number according to the credit card function assigned to the hybrid card 10, the resident registration number of the user, the number of the workplace, the membership card number assigned from a predetermined customer, etc. It contains a combination of information and identification information.

Here, it is also possible to attach and use a signature sheet on which the personal information of the user can be separately attached to a predetermined portion of the personal information area B.

In addition, as shown in FIG. 3B, a magnetic stripe C having a card number and a password of a credit card and an account number and a password of a bank account are recorded on the upper portion 10B of the hybrid card 10. And a renewal information recording area (D) on which one side of the rear portion (10B) records the renewal period for use of the credit card function, the cash card function, and the membership card function, which are contained in the corresponding card. Is formed, the other half of the rear portion (10B) is formed on the other side of the advertising logo (E) in which the advertising logo for the advertising company affiliated with the card company that issues the composite card is recorded.

In FIG. 3B, the renewal time limit for the use function of the credit card, the cash card or the membership card recorded in the update information recording area (D) is further information from the credit card company, the cash card issuing bank, or the account for which the membership is made. Even if the card is not issued, the expiration date can be printed and used in the state in which the information on the new expiration date is given to the registration information memory 8, so that the hybrid card can be used semi-permanently. .

In addition, since the advertisement logo area E can use all the divided areas of the rear portion 10B of the composite card 10, more advertising logos can be inserted.

In addition, as another example of the hybrid card according to the present invention, as shown in Figures 4a and 4b, a card user's personal information area is configured separately on the back of the card (20B) and the front (20A) is a general credit card or It should be in the form of debit, deposit, or pass card.

Such composite cards 20A and 20B may have a separate signature area as in the cards shown in FIGS. 3A and 3B, but may include a picture area L, a name M, an issue date N, and a number O. In addition, the company logo or other affiliate logo (P) is listed together, so there is no need for a separate signature and identification becomes easier.

More specifically, the hybrid card 20A, 20B has an issuer information area F in which information of a card issuer is posted, an area G in which a card unique number is placed, and a card unique number are posted on a front surface 20A, like a general card. Expiration date placement area (H), card user name placement area (I), hologram area (J) transferred to judge the authenticity of the card, international card affiliated display area (K), and the like, 20B) is provided with a photograph area L, which extends from the left end to the half-branch point of the card, and includes a name M, an issue date N, a company number O, a company logo or other affiliate logo P.

Therefore, the complex cards 20A and 20B can be used very conveniently by having an identification function in the company as well as a unique function of the card, and do not require a separate issuance fee for issuing an ID card. to be. In addition, although there is an area for signing a card user at the back of a general credit card, the signature is not checked when used at a merchant, and a van (VAN) sends a separate authentication signal related to the signature to the merchant terminal. Contrary to the fact that it is not transmitted, the complex cards 20A and 20B according to the present invention include a picture, a name, a number, and the like, so that identity authentication is easier than that of a card having an existing signature area. Can be.

Next, the operation of the present invention made as described above will be described in detail with reference to the flowchart of FIG. 5.

In the present invention, a description will be given by way of example of a trading partner in which a paid transaction is made.

First, the control processor 32 of the first card inquiry / recording terminal 20a of the client makes an inquiry of card information on the hybrid card 10 according to a key input for card inquiry of the key input unit 28. (Step S10).

In that state, the control processor 32 of the first card inquiry / recording terminal 20a inquires the membership information recorded in the card information memory 6 and the registration information memory 8 of the hybrid card 10. As a result, it is determined whether there is membership information granted from the corresponding customer (step S11).

As a result of the determination, if it is determined that the membership information assigned by the customer exists in the card information memory 6 or the registration information memory 8 of the hybrid card 10, the key for the payment processing of the key input unit 28 is present. In accordance with the button operation, it is determined whether payment using an electronic money or a credit card is made using mileage point information accumulated cumulatively based on the membership information (step S12).

As a result of the determination, the control processor 32 of the first card inquiry / recording terminal 20a reads the member information of the credit card read out from the hybrid card 10 according to the key button manipulation of the key input unit 28. While transmitting to the value-added network server 50 through the data communication unit 36, the payment request for the payment amount according to the paid transaction is performed, and for the partial amount among the amounts to be paid for the paid transaction. Partial payment using the mileage points accumulated in the mold card 10 can be made (step S13).

On the other hand, the control processor 32 of the first card inquiry / recording terminal 20a when the payment processing using the electronic money charged in the hybrid card 10, the hybrid card 10 By deducting the amount to be paid using the charging information of the electronic money stored in the registration information memory (8), a part of the payment amount can be processed using mileage points.

Then, the control processor 32 of the first card inquiry / recording terminal 20a uses the mileage points recorded in the registration information memory 8 of the hybrid card 10 as much as the mileage points used for payment processing. Is reduced (step S14).

On the other hand, according to the determination result of step S11, the control processor 32 of the first card inquiry / recording terminal 20a determines that there is no membership information given by the corresponding customer in the hybrid card 10. In this case, it is determined whether a function for newly registering membership information is performed according to the key input of the key input unit 28 (step S15).

As a result of the determination, the control processor 32 of the first card inquiry / recording terminal 20a makes a function input for newly registering membership information given by the corresponding customer by the key input of the key input unit 28. If it is determined that it is determined, the membership information is generated by combining the account information of the card user input through the key input unit 28 and the designated customer designation information corresponding to the corresponding customer, and the membership information can be limitedly viewed only by the corresponding customer. By generating the security information, the membership information and the security information are recorded and registered in the registration information memory 8 of the hybrid card 10 through the recording process of the information recording processing section 26 (step S16). ).

Subsequently, the control processor 32 of the first card inquiry / recording terminal 20a accumulates mileage cumulatively based on the corresponding membership information according to the key button manipulation for payment processing of the key input unit 28. The point information is used together to determine whether payment using electronic money or credit card is made (step S12).

As a result of the determination, the control processor 32 of the first card inquiry / recording terminal 20a uses the function of the credit card provided in the hybrid card 10 according to the key button manipulation of the key input unit 28. Then, it is determined whether or not payment processing for the paid transaction is to be performed (step S17).

As a result of the determination, when the control processor 32 determines that the payment processing through the credit card function of the hybrid card 10 is selected, the data communication unit reads the member information of the credit card read out from the hybrid card 10. The credit card user information is inquired while transmitting to the value-added network server 50 through step 36 (step S18). When the inquiry result of the credit information is received from the value-added network server 50, according to the paid transaction. A payment verification request for the payment amount to be paid is performed (step S19).

On the other hand, according to the determination result of the step S17, the control processor 32 of the first card inquiry / recording terminal 20a by the key input of the key input unit 28, the credit card of the hybrid card 10 If it is determined that the payment operation using the function has not been performed, it is determined whether a key input for payment processing using the electronic money charged in the corresponding composite card 10 is performed (step S20).

As a result of the determination, if it is determined that a key input for payment processing through electronic money has been made, the amount to be paid using the charging information of the electronic money stored in the registration information memory 8 of the complex card 10. In addition to the deduction processing, the mileage points used for the settlement processing are reduced (step S21).

After performing step S14, step S19 and step S20, the control processor 32 controls the mechanism of the information read / write section 22 to allow the composite card 10 to be withdrawn (step S22). .

The present invention having the above-described embodiments can be implemented in various modifications without departing from the technical gist of the embodiment without departing from the embodiments. In addition to being able to be used as a transportation card for payment of transportation fees, it is also possible to use as a security access card for accessing a specific place such as a workplace or a school library.

As described above, according to the present invention, card information in various fields such as various types of financial information that can be applied to various fields of service, membership information for paid / free transactions, etc. are collectively recorded in a single composite card. As it enables management, and additionally registers and uses financial information and membership information to be newly applied to the composite card, it is possible to receive services in various fields using a single information card. In addition to being able to easily manage the user, the issuer of the card has the effect of reducing the cost burden of the card issuance.

1 is a diagram showing the configuration of a card information registration control system according to the present invention;

FIG. 2 is a block diagram showing the configuration of the hybrid card and card inquiry / recording terminal shown in FIG. 1;

3a and 3b is a view showing the appearance configuration of a hybrid card according to the present invention,

4A and 4B are views showing an appearance configuration of a hybrid card according to another embodiment of the present invention;

5 is a flowchart for explaining the operation of the card information registration control system according to the present invention.

<Description of the symbols for the main parts of the drawings>

2: information transmitting and receiving unit, 4: control processing unit,

6: card information memory, 8: registration information memory,

9: memory recording control unit, 10: complex card,

20a, 20b: card inquiry / recording terminal, 22: information reading / recording unit,

24: information reading processing section, 26: information recording processing section,

28: key input unit, 30: financial information management server,

32: control processor, 34: user information memory,

36: data communication department, 40: financial information database,

50: Value Added Network Server.

Claims (8)

delete delete delete Information transmitting and receiving means for transmitting the card information stored in advance according to the external information query request to the outside, and receiving the card information requesting a new registration from the outside; In response to a card information inquiry request from the outside, the card information which is already registered is read and transmitted, and the payment processing is performed so that the payment processing is performed upon payment request according to the paid transaction, and the new card information is newly registered. Control processing means for controlling to enable, A card information memory having a personal information storage area for storing personal information of a card user, a financial information storage area for storing various financial information, and a membership information storage area for storing membership information of various customers required for paid / free transactions; Financial information recording area storing financial information newly generated by new transaction of financial institution, and membership information recording area storing membership information newly registered according to paid / free transaction and mileage point information based on the membership information. Property memory with, And memory recording control means for performing a recording process for newly registering new card information received from the outside through said information transmitting and receiving means into said registration information memory. Card information reading / recording means for reading card information from an information card containing predetermined card information and recording card information newly registered by a card user on the information card; A key input means for performing a key input for registering a user's account for registering new card information, selecting a payment method according to a paid transaction, and inputting information for payment processing; According to the function operation for payment processing according to the paid transaction of the key input means, the card information of the information card is inquired, and the request for payment processing through the card information is performed through the value added network, and the card required for the transaction using the information card. Control means for performing control for newly registering the card information acquired by the new user account in the information card if the information is not registered; User information memory means for storing various card information registered in the information card and history information related to payment processing; Card information registration control system comprising a data communication means connected to the value-added network and performing communication for the exchange of payment information and authentication information to enable payment processing through various payment methods. 6. The card information of claim 5, wherein the card information newly registered in the information card through the recording operation of the card information reading / recording means is used for the financial information from each financial institution necessary for the financial transaction, and for the paid / free transaction. Card information registration control system, characterized in that corresponds to any one of the membership information of the customer. According to claim 6, The financial information and membership information is a combination of predetermined information specified for the financial institution or account and the account information of the user, and the security information is attached so that only limited inquiry can be made in the financial institution or account Card information registration control system, characterized in that. 7. The card information registration according to claim 6, wherein the control means is configured to accumulate mileage points generated in accordance with the paid / free transaction on the information card based on the membership information registered on the information card. Control system.