KR100868829B1 - System and Method for Issuing Affiliated Card for Card Number Lease and Program Recording Medium - Google Patents

Abstract

The present invention relates to a method and system for issuing an affiliate card through lease of a card number and a recording medium for the same. At the time of leasing the number, storing at least one lease card number to be assigned to a given affiliate card in a given lease card number D / B in a predetermined information storing means; Allocating a predetermined card number among the rental card numbers stored in the rental card number D / B as the affiliated card number in the card number assignment means, and the affiliated card information including the affiliated card number in the predetermined card information generation means; Generating a credit card and renting the card number to the affiliated card information in a predetermined information transmitting means. And transmitting a.

Card number, lease, affiliate card

Description

System and Method for Issuing Affiliated Card for Card Number Lease and Program Recording Medium}

1 is a diagram illustrating a card registration system for issuing a partnership card in the form of MS / IC through the total lease of the card number according to an embodiment of the present invention.

2 is a diagram illustrating a card registration process for issuing an affiliate card through card number rental according to an embodiment of the present invention.

3 is a diagram illustrating a card registration process for issuing an affiliate card through card number rental according to another embodiment of the present invention.

4 is a diagram illustrating a card registration system for issuing a partnership card in the form of MS / IC through the collective leasing of card numbers according to another embodiment of the present invention.

5 is a diagram illustrating a card registration process for issuing an affiliate card through card number rental according to an embodiment of the present invention.

6 is a diagram illustrating a card registration process for issuing an affiliate card through card number rental according to another embodiment of the present invention.

FIG. 7 is a diagram illustrating a card registration system for issuing an affiliate card in the MS / IC form through a batch lease of card numbers according to another exemplary embodiment of the present invention.

8 is a diagram illustrating a card registration process for issuing an affiliate card through card number rental according to an embodiment of the present invention.

9 is a diagram illustrating a card registration process for issuing an affiliate card through card number rental according to another embodiment of the present invention.

FIG. 10 is a diagram illustrating a card registration system for issuing an affiliate card in the form of a card applet (or IC chip storage information) through a batch lease of card numbers according to an exemplary embodiment of the present invention.

11 is a diagram illustrating a card registration process for issuing an affiliate card through card number rental according to an embodiment of the present invention.

12 is a diagram illustrating a card registration process for issuing an affiliate card through card number rental according to another embodiment of the present invention.

FIG. 13 is a diagram illustrating a card registration system for issuing an affiliate card in the form of a card applet (or IC chip storage information) through a batch lease of card numbers according to another exemplary embodiment of the present invention.

14 is a diagram illustrating a card registration process for issuing an affiliate card through card number rental according to an embodiment of the present invention.

15 is a diagram illustrating a card registration process for issuing an affiliate card through card number rental according to another embodiment of the present invention.

FIG. 16 is a diagram illustrating a card registration system for issuing an affiliate card in the form of a card applet (or IC chip storage information) through a batch lease of card numbers according to another exemplary embodiment of the present invention.

17 is a diagram illustrating a card registration process for issuing an affiliate card through card number rental according to an embodiment of the present invention.

18 is a diagram illustrating a card registration process for issuing an affiliate card through card number rental according to another embodiment of the present invention.

<Description of main parts of drawing>

100: affiliate server 105: interface unit

110: interface unit 115: information receiving unit

120: validity authentication unit 125: information transmission and reception unit

130: card number assignment unit 135: card information generation unit

140: information storage unit 145: card issuing unit

150: lease card number D / B 155: storage medium

160: card issuing device 165: card registration terminal

170: card company server 175: information transmitting and receiving unit

180: verification information generation unit 185: information storage unit

190: Card Information D / B

The present invention, when renting at least one or more card number from a predetermined card company to a predetermined partner, storing at least one lease card number to be assigned to a predetermined affiliate card in a predetermined information storage means in a predetermined lease card number D / B And allocating a predetermined card number among the rental card numbers stored in the rental card number D / B in the predetermined card number assignment means as the alliance card number when the affiliate card issuing a predetermined alliance card. Card number leasing including generating affiliate card information including the affiliate card number in card information generating means, and transmitting the affiliate card information to a card company server having rented the card number in a predetermined information transmitting means. Through the affiliate card issuing method.

Card issuers, including various credit card companies and banks, are concentrating their internal infrastructure on attracting new customers internally to secure profitability, and are striving to transfer the affiliate customers to the card users by cooperating with various affiliates.

However, at the present time when the card issuing authority is granted to the card issuing authority, the affiliated company only serves to provide card issuing customer information to the card issuing institution, and most of the tasks related to the issuing of the card are the card issuing institution. Because it is made by, the time required for issuing the card takes a matter of several days to weeks, as well as the problem that takes more time until the card issuance results are provided to the affiliate customer.

An object of the present invention for solving the above problems, information storage means for storing at least one or more rental card numbers to be assigned to a given affiliate card in a predetermined lease card number D / B, and issuing a predetermined affiliate card from the affiliate Card number assignment means for allocating a predetermined card number among the rental card numbers stored in the rental card number D / B to the affiliated card number, and card information generating means for generating affiliated card information including the affiliated card number. And, to provide an affiliated card issuing system through a card number lease having an information transmitting means for transmitting the affiliated card information to the card company leased card number server.

In the method of issuing an affiliate card through card number lease according to the present invention, at least one lease card number to be assigned to a predetermined affiliate card by predetermined information storage means when the at least one card number is leased from a predetermined card company to a predetermined affiliate company. Storing a predetermined card number among the rental card numbers stored in the rental card number D / B in a predetermined card number assignment means when the affiliate card issuing a predetermined partnership card. Allocating the alliance card number to the alliance card number, generating alliance card information including the alliance card number in a predetermined card information generation means, and leasing the alliance card information in the predetermined information transmission means. Characterized in that it comprises the step of transmitting to the card company server.

On the other hand, the present invention includes a recording medium characterized by recording a program for executing a method for issuing an affiliated card through lease of the card number.

On the other hand, the affiliate card issuing system through the card number lease according to the present invention, information storage means for storing at least one or more lease card number to be assigned to a predetermined affiliate card in a predetermined lease card number D / B, and in the affiliates When issuing a predetermined affiliate card, card number assignment means for allocating a predetermined card number among the rental card numbers stored in the rental card number D / B to the affiliated card number, and generating affiliated card information including the affiliated card number. And information transmitting means for transmitting the card information generating means to the card company server that has rented the card number.

According to the present invention, the affiliated card is characterized in that it comprises at least one or more credit card, check card, debit card.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In 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. Terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users or 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 are used to properly modify, integrate, or separate the terminology so that those skilled in the art can clearly understand the essential technical features of the present invention. However, the present invention is by no means limited thereto. That is, each means described above is a server (or terminal) provided on the system shown in the following embodiments, or is a predetermined functional configuration provided in at least one or more servers (or terminals), or at least one or more servers. (Or a terminal) may be an association of at least two or more functional components. 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 card registration system for issuing a partnership card in the form of MS / IC through the total lease of the card number according to an embodiment of the present invention.

In more detail, FIG. 1 shows that when a predetermined customer provides card registration application information for issuing an affiliate card through leasing a predetermined card number to a card issuing affiliate institution through a predetermined card registration interface, the card issuing affiliate institution is configured to provide the card registration application information. It is a system configuration for issuing an affiliate card in the form of a predetermined MS (Magnetic Stripe) card or IC (Integrated Circuit) card to the customer based on the provided card registration application information, specifically, a rental card for storing the rental card number A number D / B 150 illustrates an implementation method provided in the card issuing affiliated institution.

Those skilled in the art to which the present invention pertains, various implementation methods (for example, the lease) for the configuration of a card registration system for issuing an affiliated card through the lease of the card number by referring to and / or modifying the drawing 1 The rental card number D / B 150 for storing a card number may be provided in the card issuing institution, or an implementation method of synchronizing the rental card number D / B 150 may be inferred. It includes all the implementation methods inferred, and is not limited to the implementation method shown in FIG.

Hereinafter, at least one means and / or function of issuing a predetermined affiliate card to the customer based on the card registration application information provided from the customer through a predetermined card registration interface on the card registration system shown in FIG. Components corresponding to the configuration are referred to as "affiliate server 100" for convenience, and the card issuing affiliated institution provided with the affiliate server 100 may be a mobile communication company, various wireless communication companies, or various wired communication companies affiliated with the card issuing institution. , At least one portal operator or the like is preferable.

Referring to FIG. 1 according to an embodiment of the present invention, a card registration system for issuing an affiliated card through leasing the card number is an employee terminal used by an affiliated employee provided in at least one card issuer (or financial institution). And / or a client terminal including at least one wired terminal and / or a wireless terminal used by the customer when the card registration system supports a non-face-to-face card registration application. Characterized in that the employee terminal and / or client terminal is connected to the communication channel and the affiliate server 100 provided in the card issuing affiliate institution through a predetermined network means.

According to one embodiment of the present invention, the customer visits the card issuing agency to issue an affiliate card through the card number leasing and through the window provided at the card issuing institution (or through an affiliated employee). Fill out a predetermined card registration application for issuing an affiliate card through lease (e.g., a document with a form for filling in at least one item of information for issuing an affiliate card through lease of the card number) and / or the affiliate employee Visit the customer and have the customer fill out a predetermined card registration application for issuing an affiliate card through leasing the card number), and submit the completed card registration application to the affiliated employee. Enter (or select) the information entered on the card registration application through the employee's terminal The employee terminal preferably transmits the input (or selected) information to the affiliate server 100 provided in the card issuing affiliate institution through the network means.

Here, preferably, the employee terminal includes an employee terminal used by an affiliated employee provided in the card issuing institution, and the affiliate server 100 connected to the employee terminal is the card issuing institution (or financial institution, or the And a server provided on a card issuing agency affiliated with a card issuing institution, wherein the network means for connecting the employee terminal and the affiliate server 100 is connected between the employee terminal and the affiliate server 100. It is preferable to include a communication network connecting the communication channel.

In the card registration system as described above, the card registration application created by the customer, the employee terminal used by the affiliated employee and the financial network connecting the employee terminal and the affiliated server 100, the customer rents the card number. It performs a function of a card registration interface for registering card registration application information for issuing an affiliate card through.

According to another exemplary embodiment of the present invention, when the card registration system supports a non-face-to-face card registration application, the customer is selected from a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network. Access the affiliate server 100 through at least one client terminal and input card registration application information for issuing an affiliate card through lease of the card number through at least one user interface provided by the affiliate server 100. (Or optional), the client terminal preferably transmits through the predetermined network means to the affiliate server 100 provided in the card issuing affiliate institution.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices connected to a TCP / IP based communication network, and a desktop computer and / or a notebook connected to the TCP / IP based communication network. (Notebook) or a home appliance terminal (eg, Set-Top-Box) connected to the TCP / IP based communication network, or a kiosk (KIOSK) connected to the TCP / IP based communication network, etc. It is preferable.

In addition, the wireless terminal connected to the wireless communication network is all terminal devices connected to a code division multiple access (CDMA) based mobile communication network, and / or all terminal devices connected to a high speed downlink packet access (HSDPA) based wireless communication network, and / Or all terminal devices connected to the IEEE 802.16x based mobile Internet, and / or all terminal devices connected to Motorola's DataTAC method and / or Erricson's Mobitex type wireless data communication network, and are personal communications connected to the CDMA based mobile communication network. Terminal (Personal Communication System; PCS) and / or Global System for Mobile communications (GSM) terminals and / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or personal information terminals (Personal Digital Assistant; PDA) and / or Smart Phone and / or Telematics, or High Speed Do at least one wireless communication terminal connected to a wireless communication network based on a wnlink packet access), a portable internet terminal connected to the IEEE 802.16x based mobile Internet, or a wireless data communication terminal connected to the DataTAC / Mobitex based wireless data communication network. It is preferable to make.

The client terminal may output at least one user interface provided by the affiliate server 100, input and / or select at least one information through the user interface, and transmit the same to the affiliate server 100. It is preferable that a function configuration (e.g., a browser program and a communication function, or a predetermined communication program and a communication function to communicate with the affiliate server 100) is provided.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the client terminal corresponding to at least one wired terminal and / or wireless terminal, and thus the detailed description thereof is omitted for convenience. do.

In the card registration system as described above, a client terminal including at least one wired terminal and / or a wireless terminal used by the customer, at least one wired communication network connecting the client terminal and the affiliate server 100 and / or Alternatively, the wireless communication network performs a function of a card registration interface for registering the card registration application information for the customer to issue an affiliated card through leasing the card number.

According to another embodiment of the present invention, when the card registration system supports a non-face-to-face card registration application, the card registration terminal 165, in addition to the employee terminal and / or client terminal, a predetermined financial network It further comprises a financial automated machine (not shown) including an automatic teller machine (ATM), a cash dispenser (CD) connected to (for example, a financial common network), and / or a predetermined And a predetermined call terminal (not shown) connected to a wired telephone network such as a Public Switched Telephone Network (PSTN), Voice over IP (VoIP) network, and / or a mobile communication network, a wireless VoIP network, A terminal (and / or terminal) provided in at least one or more organizations affiliated with the card issuing organization, and / or further comprising a predetermined call terminal (not shown) connected to the same wireless telephone network. Server) (which may further include a not illustrated), to which the present invention is not limited.

In the case of supporting a non-face-to-face card registration application as described above, when the card registration terminal 165 is the financial automatic device (not shown), the financial automatic device (not shown) and the financial automatic device ( (Not shown) and a financial network connecting the affiliate server 100 performs a function of a card registration interface for registering the card registration application information for the customer to issue an affiliate card through leasing the card number, and / or When the card registration terminal 165 is the call terminal (not shown), a wired telephone network and / or a wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the affiliate server 100. The customer performs a function of a card registration interface for registering card registration application information for issuing an affiliate card through leasing the card number, and / or the card and the like. If the lock terminal 165 is a terminal (and / or server) (not shown) provided in an organization affiliated with the card issuing organization, the terminal (and / or server) (not shown) and the terminal (and / or Server (not shown) and the network connecting the affiliate server 100 performs a function of a card registration interface for the customer to register the card registration application information for issuing an affiliate card through the lease of the card number.

According to an embodiment of the present invention, the lease card number D / B 150 provided to the card issuing affiliate institution is leased so that the card issuing agency is allocated to at least one affiliate card registered through the card issuing affiliate institution. It is preferable to include at least one or more card number, it is preferable that the card issuance further comprises card issue information leasing the lease card number.

Here, the rental card number, including all 16-digit card number, or the nine-digit serial number of the 16-digit card number (for example, the first four digits corresponding to the card issuing agency number and corresponding to the card type number) The next 2 digits and the remaining 9 digit serial number except the last 1 digit corresponding to the check digit), preferably including a predetermined number area, and according to the intention of the person skilled in the art In addition, it may include a rental card number that follows the other card number system.

In addition, the card issuing agency information is information for identifying at least one or more card issuing institutions that have leased the lease card number to the card issuing affiliate, and issuing at least one or more card numbers to the card issuing affiliate. If there is only one engine, it is possible to omit it and thereby the present invention is not limited.

The storage medium 155 provided in the card issuing affiliate institution issues a predetermined alliance card to the customer based on the card registration application information provided from the card registration terminal 165, and then issues the alliance card. And affiliated card issuance information including at least one of customer information, affiliated card information, and card attribute information. The affiliated card issuance information stored in the storage medium 155 may be stored in the card issuing affiliated institution. It is used to provide affiliate card related services through card number rental.

According to another exemplary embodiment of the present invention, the storage medium 155 may be connected to a predetermined DBMS interoperating with a server (or device) that performs a predetermined information processing function using the affiliated card issuing information at the card issuing affiliated institution. Preferably, the storage medium 155 may be provided at various locations according to the intention of those skilled in the art, and the present invention is not limited thereto.

The affiliate server 100 provided in the card issuing affiliate institution is a generic term for the card issuing affiliate institution component connected to the card registration terminal 165 through a predetermined network means, and includes at least one server (or device). ) And / or at least one program recorded on a recording medium provided in a predetermined server (or device), and the present invention is not limited thereto.

According to an embodiment of the present invention, the affiliate server 100 is provided with an interface unit 105 (or interface means) for providing a predetermined card registration interface to the card registration terminal 165 via the network means. It is characterized by.

According to an exemplary embodiment of the present invention, when the card registration terminal 165 is an employee terminal connected to a predetermined financial network, the interface unit 105 is connected to the employee terminal based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one information (or data) using a communication protocol defined in a card registration application program provided in the employee terminal.

According to another exemplary embodiment of the present invention, when the card registration terminal 165 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 105 implements a protocol stack defined in the wired communication network. It is preferable to provide a communication interface for connecting at least one communication channel with the client terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 105 connects a communication channel with the client terminal based on the TCP / IP protocol, Using the HTPP protocol defined in the browser program, a communication interface for transmitting and receiving a web page (eg, Hyper-Text Markup Language (HTML) compatible web page) and / or information is provided.

Alternatively, when a predetermined card registration application program provided by the affiliate server 100 is provided in the client terminal, the interface unit 105 connects a communication channel with the client terminal based on the TCP / IP protocol. It provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another embodiment of the present invention, if the card registration terminal 165 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 105 is a protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal and connecting a predetermined communication channel with the client terminal. .

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol is provided in the client terminal, the interface unit 105 communicates with the client terminal based on the CDMA protocol. And a communication interface for transmitting and receiving web pages (eg, WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information using the WAP / ME protocol defined in the browser program. do.

Alternatively, when the client terminal is provided with a card registration application program provided by the affiliate server 100, the interface unit 105 connects a communication channel with the client terminal based on the CDMA protocol, and the communication program Provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in.

Referring to FIG. 1, the affiliate server 100 is linked with the interface unit 105 when a predetermined card registration terminal 165 accesses the affiliate server 100 through the interface unit 105. The interface providing unit 110 generates (or extracts) a predetermined user interface for the card registration terminal 165 to input (or select) and transmit predetermined card registration application information to the card registration terminal 165. (Or an interface providing means) and an information receiving unit for receiving predetermined card registration application information transmitted from the card registration terminal 165 through the user interface (or selected) in association with the interface unit 105 ( 115 (or information receiving means) and validity authentication unit 120 for checking the validity of issuing the affiliate card to the customer based on the received card registration application information ( Or validity authentication means) and a card number assignment unit for allocating a predetermined rental card number among at least one rental card number provided in the rental card number D / B 150 as an affiliate card number for the registered affiliate card. 130 (or card number assignment means), a card information generation unit 135 (or information generation means) for generating predetermined association card information including the association card number, and the predetermined card registration device. A card issuing unit 145 (card issuing means) for issuing a predetermined alliance card including the alliance card information, and predetermined cooperation card issuance information corresponding to the alliance card issued to the customer to the storage medium 155. It is characterized by comprising an information storage unit 140 (or information storage means) for storing.

In addition, the affiliate server 100 after the predetermined partnership card is issued through the card issuing unit 145, the predetermined through the communication means (for example, a dedicated communication network, or a secure communication network based on encrypted communication) The card company server 170 corresponding to the card issuing organization is provided with an information transmitting and receiving unit 175 for transmitting customer information corresponding to the affiliated card, card information, and card attribute information.

In addition, when a predetermined cooperation card number is assigned by the card number assigning unit 130, the information transmitting / receiving unit 175 transmits the card to a card company server 170 corresponding to the card issuer through the communication means. The affiliate card number assigned by the number assignment unit 130 is transmitted, and a card verification value (or verification code) corresponding to the affiliate card number from the card company server 170 (for example, CVV (Card Verification) of a visa card. Value), CVC (Card Validation Code) of the master card, CID (Confidential Identifier Number or Card Identification Number) of the American Express card, etc., and the card verification value (or verification code) in the rental card number ), The function of transmitting and receiving the card verification value (or verification code) for the association card number may be omitted.

The interface providing unit 110 corresponds to a functional configuration provided in the card registration terminal 165 when a predetermined card registration terminal 165 accesses the affiliate server 100 through the interface unit 105. Generate a predetermined user interface capable of inputting (or selecting) the card registration request information to the affiliate server 100 via the network means, and / or extracting from a predetermined database (not shown), and It is characterized in that it provides the user interface generated (or extracted) in conjunction with the interface unit 105 to the card registration terminal 165 through the network means.

Thereafter, the card registration terminal 165 inputs (or selects) the card registration application information based on the user interface, and transmits the input (or selected) card registration application information to the affiliate server through the network means. 100).

When the card registration terminal 165 is an employee terminal connected to a predetermined financial network according to an exemplary embodiment of the present invention, the interface providing unit 110 may provide a card registration application program provided in the employee terminal. It is preferable to generate (or extract) a user interface of the user, and provide the generated (or extracted) user interface to the employee terminal through the interface unit 105.

According to another embodiment of the present invention, when the card registration terminal 165 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface providing unit 110 is a browser program provided in the client terminal. And / or generate (or extract) a predetermined user interface that can be provided to the communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 105.

According to another exemplary embodiment of the present invention, when the card registration terminal 165 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 110 is a browser provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided by a program and / or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 105.

When the information receiving unit 115 inputs (or selects) predetermined card registration application information through the user interface from the card registration terminal 165 and transmits it through the network means, the information receiving unit 115 cooperates with the interface unit 105. The card registration application information is received, and the received card registration application information is provided to the validity authentication unit 120.

According to an embodiment of the present invention, the card registration application information includes customer information of the card registration customer and at least one or more kinds of card attribute information for setting card attributes for the affiliated card.

Here, the customer information is personal information of the card registered customer (for example, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.), and the customer has subscribed to the affiliate server 100. It is preferable to include at least one member information (eg, member ID information).

Further, the card attribute information for the affiliate card may be assigned to a credit card attribute, a check card attribute, a debit card attribute, a cash card attribute, or a prepaid card attribute. It is preferable to include at least one or more attribute setting information to be provided.

For example, when assigning a credit card attribute to the affiliate card, the card attribute information may include credit inquiry consent information for issuing the affiliate card, and assigns a check card / debit card / cash card attribute to the affiliate card. In the case of granting, the card attribute information may include customer account information associated with the affiliate card. When the prepaid card attribute is assigned to the affiliate card, the card attribute information is a predetermined amount of money to the affiliate card. It may be made by including prepaid card charging information for charging.

According to another embodiment of the present invention, when the card attribute is fixed by the card issuing affiliate (or card issuing authority) or is set in a policy, the card attribute information may be omitted, thereby limiting the present invention. Not.

The validity authentication unit 120 checks the validity of issuing the alliance card to the customer based on the customer information included in the received card registration application information.

According to the implementation method of the present invention, the validity confirmation for issuing the alliance card to the customer, based on the customer name and resident registration number included in the customer information, a predetermined real name verification server (not shown) It is preferable to include a) to confirm the real name of the customer in conjunction with).

In addition, when the affiliated card includes a credit card attribute, the validity check for issuing the affiliated card to the customer is based on a predetermined communication means based on the customer information. It is preferable to include the check the credit information of the customer in conjunction with).

In addition, when the affiliate card includes a check card / debit card attribute, the validity check for issuing the affiliate card to the customer is performed based on the customer information. It is preferable that the customer account associated with the card is formed in connection with a financial institution server (not shown) opened and confirming whether the customer account is opened and normally operated.

The card number assignment unit 130 assigns a predetermined rental card number to be assigned to the affiliated card from the rental card number D / B 150 based on the card registration application information received through the information receiving unit 115. Confirm and generate (or extract) a predetermined affiliate card number including the lease card number and assign it to the affiliate card.

According to an embodiment of the present invention, when the lease card number D / B 150 is provided with a 16-digit lease card number, the card number assignment unit 130 reads a predetermined lease card number among the lease card numbers. It is preferable to extract by the affiliate card number.

According to another embodiment of the present invention, when the rental card number D / B 150 is provided with a rental card number including a 9-digit serial number of the 16-digit card number, the card number assignment unit 130 is It is preferable to generate a predetermined affiliate card number including a rental card number, a card issuing agency information number, a card type number, and a check digit corresponding to the nine-digit serial number.

If the person having ordinary knowledge in the technical field to which the present invention belongs, if the lease card number follows a card number system other than the 16-digit card number, the lease card number to the affiliated card number according to the card number system Various implementation methods may be inferred, and the present invention is characterized by including all implementation methods inferred.

According to the embodiment of the present invention, when a predetermined cooperation card number is assigned by the card number assignment unit 130, the information transmitting and receiving unit 175 is a card company server corresponding to the card issuing organization through the communication means ( Transmits the affiliate card number assigned by the card number assignment unit 130 to a card verification value (or verification code) corresponding to the affiliate card number from the card company server 170 (eg, a visa card). It is preferable to receive the CVV (Card Verification Value), Master Card CVC (Card Validation Code), American Express Card CID (Confidential Identifier Number or Card Identification Number), and the card verification value in the rental card number (Or verification code) or when the card number assignment unit 130 is provided with the card verification value (or verification code) generation function, the information transmitting and receiving unit 175 The ability to transmit and receive a card verification value (or validation code) for in-network card numbers but may be omitted.

When the association card number is generated (or extracted) as described above, the card information generation unit 135 generates predetermined association card information including the association card number.

According to an embodiment of the present invention, the affiliate card information includes at least one affiliate card number, a card verification value (or verification code), the card expiration date (some may be omitted), and card issuer information (or code). It is preferable to make it.

For example, the card number (although some exceptions exist) preferably includes a four-digit card issuing organization number, a two-digit card type number, a nine-digit serial number, and a check digit.

The expiration date information is preferably made to include the period (or expiration date and time) that can be used for the affiliate card, it may be omitted if the expiration date does not exist in the affiliate card, thereby the present invention is not limited .

The card issuing organization information (or code) preferably includes at least one or more unique numbers (or unique codes) assigned to the card issuing institution (or financial company) that issues the affiliated card to the customer.

When predetermined affiliated card information included in the affiliated card is generated by the card information generating unit 135, the card issuing unit 145 generates an affiliated card including the affiliated card information through a predetermined card registration device. And (or having the affiliate card information included in the affiliate card), the affiliate card is provided (or delivered) to the customer.

If the affiliate card is an MS (Magnetic Stripe) card, the card registration device records the affiliate card information on at least one MS track (eg, track I, track II, track III) included in the affiliate card. In this case, the card information generation unit 135 generates affiliate card information in a data structure recordable in at least one or more MS tracks, and the card issuing unit 145 cooperates with the card registration device. By recording card information in at least one or more MS tracks, a predetermined affiliate card to be issued to the customer is issued.

Alternatively, if the affiliated card is an IC (Integrated Circuit) card, the card registration device comprises a device for recording the affiliated card information in a memory provided in the IC chip of the affiliated card, wherein the card information generation The unit 135 generates the association card information in a file structure operable through a COS (Chip Operating System) provided in the IC chip, and the card issuing unit 145 generates the association card information through the card registration device. Is recorded in the memory of the IC chip, and a predetermined partnership card to be issued to the customer is issued.

The affiliated card produced as described above is provided to the customer and / or delivered to the customer according to a predetermined card providing procedure, and the customer then uses the affiliated card through the card issuing affiliated agency.

Thereafter, the information storage unit 140 stores the customer information included in the card registration application information received from the customer through the information receiving unit 115, the generated affiliate card information, and card attribute information of the affiliate card. Characterized in that the at least one affiliate card issuance information is stored in the storage medium 155.

Here, the customer information included in the affiliated card issuance information includes personal information of the card registered customer (for example, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.), and the customer It is preferable to include at least one member information (for example, member ID information) subscribed to the affiliate server 100.

In addition, the card attribute information included in the affiliate card issuance information may be assigned to a credit card attribute, a check card attribute, a debit card attribute, a cash card attribute, or prepaid. At least one attribute setting information for imparting card attributes is preferably included.

For example, when assigning a credit card attribute to the affiliate card, the card attribute information includes various attribute information (eg, credit limit, etc.) for use in payment through a credit card payment system for issuing the affiliate card. When the check card / debit card / cash card attribute is given to the affiliate card, the card attribute information may include customer account information associated with the affiliate card, and the prepaid card attribute is added to the affiliate card. In the case of granting, the card attribute information may include information on the amount of charge charged in the affiliate card.

Those skilled in the art will be able to infer various technical configurations of the card attribute information, so a detailed description thereof will be omitted.

Referring to FIG. 1, the card company server 170 of the card issuing organization connected to the affiliate server 100 through a predetermined communication means receives a predetermined affiliate card number from the affiliate server 100 through the communication means. The information transmitting / receiving unit 175 (or information receiving unit) that receives (or receives a card verification value (or verification code) request information) and the predetermined information from the affiliate server 100 through the information transmitting / receiving unit 175. When receiving an affiliate card number (or when a card verification value (or verification code) is requested), the verification card information generating unit 170 generating a predetermined card verification value (or verification code) corresponding to the affiliate card number. And the information transmitting and receiving unit 175 (or information transmitting means) transmits a card verification value (or verification code) corresponding to the affiliate card number to the affiliate server 100. It characterized.

Those skilled in the art to which the present invention belongs, the verification card information generation unit 170 is the CVV (Card Verification Value) of the visa card, CVC (Card Validation Code) of the master card, American Express card Since you will be familiar with the technical features for generating a card verification value (or verification code) including at least one CID (Confidential Identifier Number or Card Identification Number), a detailed description thereof will be omitted for convenience.

Referring to FIG. 1, a card company server 170 of a card issuing organization connected to the affiliate server 100 through a predetermined communication means is connected to the issued affiliate card from the affiliate server 100 through the communication means. An information transmitting / receiving unit 175 (or information receiving means) for receiving affiliate card issuance information including at least one corresponding customer information, affiliate card information, and card attribute information corresponding to the affiliate card; and the received customer information. And an information storage unit 140 for storing, in the predetermined card information D / B 190, the affiliate card operation information in which the affiliate card information and the card attribute information are linked to the affiliated agency information corresponding to the card issuing affiliated institution. Characterized in that made.

Thereafter, the affiliated card operation information stored in the card information D / B 190 is used by the card issuing organization to provide a payment service or various additional services in association with at least one affiliated store.

According to an embodiment of the present invention, the card information D / B 190 is preferably provided in a DBMS on a predetermined financial system provided in the card issuing institution (or associated with the card issuing institution). The card information D / B 190 may be a ledger D / B provided in a DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, whereby the present invention is not limited thereto. No.

According to another exemplary embodiment of the present invention, the card information D / B 190 may include an online payment system, and / or a WAP-based wireless payment system, and / or an IC chip provided in (or associated with) the card issuer. It is possible to be provided in the DBMS on at least one or more of the base wireless payment system, and / or the tele payment system, whereby the present invention is not limited.

According to another embodiment of the present invention, the card information D / B 190 is an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided (or associated with) the card issuing institution. It is possible to be provided in the DBMS on at least one banking system of, and / or a TV banking system, whereby the present invention is not limited.

2 is a diagram illustrating a card registration process for issuing an affiliate card through card number rental according to an embodiment of the present invention.

In more detail, in FIG. 2, in the card registration system shown in FIG. And submit to the affiliated employee, when the affiliated employee inputs (or selects) card registration application information corresponding to the card registration application through a predetermined card registration terminal 165 and transmits the information to the affiliated server 100. The process of issuing a predetermined affiliate card through the card number rental to the customer based on the card registration application information in the affiliate server 100, specifically, the rental card number D / to store the rental card number B 150 shows an implementation method provided in the card issuing affiliated institution.

Those skilled in the art to which the present invention pertains can deduce various implementation methods for issuing the alliance card for issuance of the alliance card by leasing the card number by referring to and / or modifying the drawing 2. It will be appreciated that the present invention encompasses all of the inferred implementation methods and is not limited to the implementation method illustrated in FIG.

For example, FIG. 2 illustrates that the affiliate card is produced and provided (or shipped) to the customer, and then the affiliate card issuance information is stored in the storage medium 155. The process of storing the predetermined affiliate card issuance information in the storage medium 155 may be performed before the affiliate card is produced or before the affiliate card is produced (or delivered) to the customer. The present invention is not limited.

Hereinafter, in FIG. 2, the card registration terminal 165 shown in FIG. 1 is referred to as a "terminal" for convenience, and the affiliate server 100 is referred to as a "server" for convenience.

Referring to Figure 2, the customer is issued through the face-to-face card registration interface (for example, the card registration application and staff terminal and network means) in order to issue the affiliate card for issuing the affiliate card through the card number rental When a card registration application (for example, a document having a form for filling in at least one information item for issuance of an affiliate card through lease of the card number) is completed and submitted to an affiliated employee, the terminal is connected by the affiliated employee. The card registration application information corresponding to the card registration application prepared by the customer is input (or selected) through a predetermined user interface (200), and the card registration application information is transmitted to the server through the network means (205). .

According to an embodiment of the present invention, the card registration application information includes customer information of the card registration customer and at least one or more kinds of card attribute information for setting card attributes for the affiliated card.

Here, the customer information is personal information of the card registered customer (for example, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.), and the customer has subscribed to the affiliate server 100. It is preferable to include at least one member information (eg, member ID information).

Further, the card attribute information for the affiliate card may be assigned to a credit card attribute, a check card attribute, a debit card attribute, a cash card attribute, or a prepaid card attribute. It is preferable to include at least one or more attribute setting information to be provided.

For example, when assigning a credit card attribute to the affiliate card, the card attribute information may include credit inquiry consent information for issuing the affiliate card, and assigns a check card / debit card / cash card attribute to the affiliate card. In the case of granting, the card attribute information may include customer account information associated with the affiliate card. When the prepaid card attribute is assigned to the affiliate card, the card attribute information may be set to the affiliate card. It may include a prepaid card charging information for charging.

According to another embodiment of the present invention, when the card attribute is fixed by the card issuing affiliate (or card issuing authority) or is set in a policy, the card attribute information may be omitted, thereby limiting the present invention. Not.

Thereafter, the server receives and reads the card registration request information from the terminal through the network means and issues the affiliated card through leasing the card number to the customer based on the customer information included in the card registration request information. Check the card registration validity for issuing the affiliate card (210).

According to the implementation method of the present invention, the validity confirmation for issuing the alliance card to the customer, based on the customer name and resident registration number included in the customer information, a predetermined real name verification server (not shown) It is preferable to include a) to confirm the real name of the customer in conjunction with).

In addition, when the affiliated card includes a credit card attribute, the validity check for issuing the affiliated card to the customer is based on a predetermined communication means based on the customer information. It is preferable to include the check the credit information of the customer in conjunction with).

In addition, when the affiliate card includes a check card / debit card attribute, the validity check for issuing the affiliate card to the customer is performed based on the customer information. It is preferable that the customer account associated with the card is formed in connection with a financial institution server (not shown) opened and confirming whether the customer account is opened and normally operated.

If the validity to issue the affiliate card to the customer is not authenticated through the card registration application information (215), the server provides card registration error information to the customer through the card registration interface (220). Stop issuing the affiliate card to the customer.

On the other hand, if the validity to issue the affiliate card to the customer through the card registration application information is authenticated (215), the server extracts the rental card number to be assigned to the affiliate card from the rental card number D / B (150) Assigning to the affiliate card number (225).

Thereafter, the server transmits the affiliate card number to the card company server 170 that has rented the lease card number through the communication means, and then a verification value (or verification code) corresponding to the affiliate card number to the card company server 170. Request a card verification value (or verification code) corresponding to the affiliate card number from the card company server 170 (230), and the affiliate card number and card verification value (or verification code). Predetermined affiliate card information to be generated is included (235).

Here, the affiliated card information may include a card number (eg, 16-digit card number) corresponding to the affiliated card, the received card verification value (or verification code), expiration date information (some may be omitted), and card issuer information ( Or code).

For example, the card number (although some exceptions exist) preferably includes a four-digit card issuing organization number, a two-digit card type number, a nine-digit serial number, and a check digit.

The expiration date information is preferably made to include the period (or expiration date and time) that can be used for the affiliate card, it may be omitted if the expiration date does not exist in the affiliate card, thereby the present invention is not limited .

The card issuing organization information (or code) preferably comprises at least one or more unique numbers (or unique codes) assigned to the card issuing organization (or financial company) that issues the affiliate card to the customer.

According to an embodiment of the present invention, if the affiliate card is an MS card, the generated affiliate card information preferably includes a data structure recordable on at least one or more MS tracks provided in the MS card.

According to another exemplary embodiment of the present invention, if the affiliate card is an IC card, the generated affiliate card information may include a file structure operable through a chip operating system (COS) provided in the IC chip.

Thereafter, the server prepares a predetermined affiliate card with the affiliate card information through a predetermined card registration device and provides (or delivers) it to the customer (240).

According to an exemplary embodiment of the present invention, if the affiliate card is an MS card, the card registration apparatus may provide the affiliate card information to at least one or more MS tracks (eg, track I, track II, and track III) included in the affiliate card. It is preferable to include an apparatus for recording.

According to another embodiment of the present invention, if the association card is an IC card, the card registration device preferably includes an apparatus for recording the association card information in a memory provided in the IC chip of the association card.

Thereafter, the server issuing an affiliate card including at least one of customer information included in the card registration application information provided from the customer through the card registration interface, the generated affiliate card information, and card attribute information of the affiliate card. Information is stored in the storage medium 155 (245).

Here, the customer information included in the affiliated card issuance information includes personal information of the card registered customer (for example, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.), and the customer It is preferable to include at least one member information (for example, member ID information) subscribed to the affiliate server 100.

In addition, the card attribute information included in the affiliate card issuance information may be assigned to a credit card attribute, a check card attribute, a debit card attribute, a cash card attribute, or prepaid. At least one attribute setting information for imparting card attributes is preferably included.

For example, when assigning a credit card attribute to the affiliate card, the card attribute information includes various attribute information (eg, credit limit, etc.) for use in payment through a credit card payment system for issuing the affiliate card. When the check card / debit card / cash card attribute is given to the affiliate card, the card attribute information may include customer account information associated with the affiliate card, and the prepaid card attribute is added to the affiliate card. In the case of granting, the card attribute information may include information on the amount of charge charged in the affiliate card.

Those skilled in the art will be able to infer various technical configurations of the card attribute information, so a detailed description thereof will be omitted.

Subsequently, the server issues an at least one affiliate card including at least one of customer information corresponding to the affiliate card, card information, and card attribute information to the card company server 170 through the communication means to the card company server 170. The card company server 170 stores the affiliated card operation information further including the card issuing affiliated agency information in the affiliated card issuing information in the predetermined card information D / B 190 (250). 255).

According to an embodiment of the present invention, the card information D / B 190 is preferably provided in a DBMS on a predetermined financial system provided in the card issuing institution (or associated with the card issuing institution). The card information D / B 190 may be a ledger D / B provided in a DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, whereby the present invention is not limited thereto. No.

According to another exemplary embodiment of the present invention, the card information D / B 190 may include an online payment system, and / or a WAP-based wireless payment system, and / or an IC chip provided in (or associated with) the card issuer. It is possible to be provided in the DBMS on at least one or more of the base wireless payment system, and / or the tele payment system, whereby the present invention is not limited.

According to another embodiment of the present invention, the card information D / B 190 is an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided (or associated with) the card issuing institution. It is possible to be provided in the DBMS on at least one banking system of, and / or a TV banking system, whereby the present invention is not limited.

3 is a diagram illustrating a card registration process for issuing an affiliate card through card number rental according to another exemplary embodiment of the present invention.

In more detail, Figure 3 shows a non-face-to-face card registration interface (e.g., client terminal and network means including at least one wired terminal and / or wireless terminal) in a card registration system shown in Figure 1 above. When accessing the affiliate server 100 through the input (or select) the predetermined card registration application information and transmits, the affiliate server 100 leases the card number to the customer based on the card registration application information As a process of issuing a predetermined affiliate card through, specifically, it illustrates a method of implementing a rental card number D / B 150 that stores the rental card number in the card issuing affiliated institution.

Those skilled in the art to which the present invention pertains can deduce various implementation methods for issuing the alliance card for issuing the alliance card through lease of the card number by referring to and / or modifying the drawing 3. However, the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

For example, FIG. 3 illustrates that the affiliate card is produced and provided (or delivered) to the customer, and then the affiliate card issuance information is stored in the storage medium 155. The process of storing the predetermined affiliate card issuance information in the storage medium 155 may be performed before the affiliate card is produced or before the affiliate card is produced (or delivered) to the customer. The present invention is not limited thereto.

Hereinafter, in FIG. 3, the card registration terminal 165 shown in FIG. 1 is referred to as a "terminal" for convenience, and the affiliate server 100 is referred to as a "server" for convenience.

Referring to FIG. 3, the customer connects the communication channel for card registration application by accessing the server through a predetermined terminal, and the affiliate card for issuing an affiliate card through leasing the card number through the communication channel. In response to the issue (300), the server generates (or extracts) a user interface for issuing the affiliate card and provides the terminal to the terminal through the communication channel (305).

Thereafter, the terminal receives (or selects) the card registration application information through the user interface and transmits the card registration application information (or selected) to the server through the communication channel (310).

According to an embodiment of the present invention, the card registration application information includes customer information of the card registration customer and at least one or more kinds of card attribute information for setting card attributes for the affiliated card.

Here, the customer information is personal information of the card registered customer (for example, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.), and the customer subscribes to the affiliate server 100. Preferably, at least one member information (eg, member ID information) is included.

Further, the card attribute information for the affiliate card may be assigned to a credit card attribute, a check card attribute, a debit card attribute, a cash card attribute, or a prepaid card attribute. It is preferable to include at least one or more attribute setting information to be provided.

For example, when assigning a credit card attribute to the affiliate card, the card attribute information may include credit inquiry consent information for issuing the affiliate card, and assigns a check card / debit card / cash card attribute to the affiliate card. In the case of granting, the card attribute information may include customer account information associated with the affiliate card. When the prepaid card attribute is assigned to the affiliate card, the card attribute information may be set to the affiliate card. It may include a prepaid card charging information for charging.

According to another embodiment of the present invention, when the card attribute is fixed by the card issuing affiliate (or card issuing authority) or is set in a policy, the card attribute information may be omitted, thereby limiting the present invention. Not.

Thereafter, the server receives and reads the card registration request information from the terminal through the network means and issues the affiliated card through leasing the card number to the customer based on the customer information included in the card registration request information. The card registration validity for issuing the affiliate card is checked (315).

According to the implementation method of the present invention, the validity confirmation for issuing the alliance card to the customer, based on the customer name and resident registration number included in the customer information, a predetermined real name verification server (not shown) It is preferable to include a) to confirm the real name of the customer in conjunction with).

In addition, when the affiliated card includes a credit card attribute, the validity check for issuing the affiliated card to the customer is based on a predetermined communication means based on the customer information. It is preferable to include the check the credit information of the customer in conjunction with).

In addition, when the affiliate card includes a check card / debit card attribute, the validity check for issuing the affiliate card to the customer is performed based on the customer information. It is preferable that the customer account associated with the card is formed in connection with a financial institution server (not shown) opened and confirming whether the customer account is opened and normally operated.

If the validity to issue the affiliate card to the customer is not authenticated through the card registration application information (320), the server provides card registration error information to the customer through the card registration interface (325). Stop issuing the affiliate card to the customer.

On the other hand, if the validity to issue the affiliate card to the customer is authenticated through the card registration application information (320), the server extracts the rental card number to be assigned to the affiliate card from the rental card number D / B 150 By assigning to the affiliate card number (330).

Thereafter, the server transmits the affiliate card number to the card company server 170 that has rented the lease card number through the communication means, and then a verification value (or verification code) corresponding to the affiliate card number to the card company server 170. Request a card verification value (or verification code) corresponding to the affiliate card number from the card company server 170 (335), and the affiliate card number and card verification value (or verification code). Predetermined affiliate card information is generated to include (340).

Here, the affiliated card information includes a card number (eg, 16-digit card number) corresponding to the affiliated card, the received card verification value (or verification code), expiration date information (some may be omitted), and card issuer information. Or at least one or more code.

For example, the card number (although some exceptions exist) preferably includes a four-digit card issuing organization number, a two-digit card type number, a nine-digit serial number, and a check digit.

The expiration date information is preferably made to include the period (or expiration date and time) that can be used for the affiliate card, it may be omitted if the expiration date does not exist in the affiliate card, thereby the present invention is not limited .

The card issuing organization information (or code) preferably comprises at least one or more unique numbers (or unique codes) assigned to the card issuing organization (or financial company) that issues the affiliate card to the customer.

According to an embodiment of the present invention, if the affiliate card is an MS card, the generated affiliate card information preferably includes a data structure recordable on at least one or more MS tracks provided in the MS card.

According to another exemplary embodiment of the present invention, if the affiliate card is an IC card, the generated affiliate card information may include a file structure operable through a chip operating system (COS) provided in the IC chip.

Thereafter, the server prepares a predetermined affiliate card with the affiliate card information through a predetermined card registration device and provides (or delivers) it to the customer (345).

According to an exemplary embodiment of the present invention, if the affiliate card is an MS card, the card registration apparatus may provide the affiliate card information to at least one or more MS tracks (eg, track I, track II, and track III) included in the affiliate card. It is preferable to include an apparatus for recording.

According to another embodiment of the present invention, if the association card is an IC card, the card registration device preferably includes an apparatus for recording the association card information in a memory provided in the IC chip of the association card.

Thereafter, the server issuing an affiliate card including at least one of customer information included in the card registration application information provided from the customer through the card registration interface, the generated affiliate card information, and card attribute information of the affiliate card. Information is stored in the storage medium 155 (350).

Here, the customer information included in the affiliated card issuance information includes personal information of the card registered customer (for example, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.), and the customer It is preferable to include at least one member information (for example, member ID information) subscribed to the affiliate server 100.

In addition, the card attribute information included in the affiliate card issuance information may be assigned to a credit card attribute, a check card attribute, a debit card attribute, a cash card attribute, or prepaid. At least one attribute setting information for imparting card attributes is preferably included.

For example, when assigning a credit card attribute to the affiliate card, the card attribute information includes various attribute information (eg, credit limit, etc.) for use in payment through a credit card payment system for issuing the affiliate card. When the check card / debit card / cash card attribute is given to the affiliate card, the card attribute information may include customer account information associated with the affiliate card, and the prepaid card attribute is added to the affiliate card. In the case of granting, the card attribute information may include information on the amount of charge charged in the affiliate card.

Those skilled in the art to which the present invention pertains will be able to infer a variety of technical configurations for the card attribute information, a detailed description thereof will be omitted for convenience.

Subsequently, the server issues an at least one affiliate card including at least one of customer information corresponding to the affiliate card, card information, and card attribute information to the card company server 170 through the communication means to the card company server 170. In step 355, the card company server 170 stores the affiliate card operation information, which further includes the card issuing affiliate information, in the card information D / B 190. 360).

According to an embodiment of the present invention, the card information D / B 190 is preferably provided in a DBMS on a predetermined financial system provided in the card issuing institution (or associated with the card issuing institution). The card information D / B 190 may be a ledger D / B provided in a DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, whereby the present invention is not limited thereto. No.

According to another exemplary embodiment of the present invention, the card information D / B 190 may include an online payment system, and / or a WAP-based wireless payment system, and / or an IC chip provided in (or associated with) the card issuer. It is possible to be provided in the DBMS on at least one or more of the base wireless payment system, and / or the tele payment system, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the card information D / B 190 is an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided to (or associated with) the card issuing institution. It is possible to be provided in the DBMS on at least one banking system of, and / or a TV banking system, whereby the present invention is not limited.

FIG. 4 is a diagram illustrating a card registration system for issuing an affiliate card in MS / IC form through a batch lease of card numbers according to another exemplary embodiment of the present invention.

In more detail, FIG. 4 shows that when a predetermined customer provides card registration application information for issuing an affiliate card through leasing a predetermined card number to a card issuing affiliate through a predetermined card registration interface, the card issuing affiliated institution is configured to provide the card registration application information. It is a system configuration for issuing an affiliate card in the form of a predetermined MS (Magnetic Stripe) card or IC (Integrated Circuit) card to the customer based on the provided card registration application information, specifically, a rental card for storing the rental card number The implementation method is provided with the number D / B 490 provided in the card issuing engine.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 4 to infer various implementation methods for the configuration of a card registration system for issuing an affiliated card through leasing the card number. However, the present invention includes all the implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

Hereinafter, at least one means and / or function of issuing a predetermined affiliate card to the customer based on the card registration application information provided from the customer through a predetermined card registration interface on the card registration system shown in FIG. 4. The components corresponding to the configuration are referred to as "affiliate server 400" for convenience, and the card issuing affiliated agency provided with the affiliate server 400 may be a mobile communication company, various wireless communication companies, various wired communication companies, It is preferable to include at least one or more portal operators.

Referring to FIG. 4 according to an embodiment of the present invention, a card registration system for issuing an affiliated card through leasing the card number is an employee terminal used by an affiliated employee provided in at least one card issuer (or financial institution). And / or a client terminal including at least one wired terminal and / or a wireless terminal used by the customer when the card registration system supports a non-face-to-face card registration application. Characterized in that the employee terminal and / or client terminal is connected to the communication channel and the affiliate server 400 provided in the card issuing affiliate institution through a predetermined network means.

According to one embodiment of the present invention, the customer visits the card issuing agency to issue an affiliate card through the card number leasing and through the window provided at the card issuing institution (or through an affiliated employee). Fill out a predetermined card registration application for issuing an affiliate card through lease (e.g., a document with a form for filling in at least one item of information for issuing an affiliate card through lease of the card number) and / or the affiliate employee Visit the customer and have the customer fill out a predetermined card registration application for issuing an affiliate card through leasing the card number), and submit the completed card registration application to the affiliated employee. Enter (or select) the information entered in the card registration application through the employee's terminal, The employee terminal preferably transmits the input (or selected) information to the affiliate server 400 provided in the card issuing affiliate institution through the network means.

Here, preferably, the employee terminal includes an employee terminal used by an affiliated employee provided in the card issuing institution, and the affiliate server 400 connected to the employee terminal is the card issuing institution (or financial institution, or the And a server provided on a card issuing agency affiliated with a card issuing institution, wherein the network means for connecting the employee terminal and the affiliate server 400 is between the employee terminal and the affiliate server 400. It is preferable to include a communication network connecting the communication channel.

In the card registration system as described above, the card registration application prepared by the customer, the employee terminal used by the affiliated employee and the financial network connecting the employee terminal and the affiliated server 400, the customer rents the card number. It performs a function of a card registration interface for registering card registration application information for issuing an affiliate card through.

According to another exemplary embodiment of the present invention, when the card registration system supports a non-face-to-face card registration application, the customer is selected from a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network. Access the affiliate server 400 through at least one client terminal and input card registration application information for issuing an affiliate card through lease of the card number through at least one user interface provided by the affiliate server 400. (Or optional), the client terminal preferably transmits through the predetermined network means to the affiliate server 400 provided in the card issuing affiliate institution.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices connected to a TCP / IP based communication network, and a desktop computer and / or a notebook connected to the TCP / IP based communication network. (Notebook) or a home appliance terminal (eg, Set-Top-Box) connected to the TCP / IP based communication network, or a kiosk (KIOSK) connected to the TCP / IP based communication network, etc. It is preferable.

In addition, the wireless terminal connected to the wireless communication network is all terminal devices connected to a code division multiple access (CDMA) based mobile communication network, and / or all terminal devices connected to a high speed downlink packet access (HSDPA) based wireless communication network, and / Or all terminal devices connected to the IEEE 802.16x based mobile Internet, and / or all terminal devices connected to Motorola's DataTAC method and / or Erricson's Mobitex type wireless data communication network, and are personal communications connected to the CDMA based mobile communication network. Terminal (Personal Communication System; PCS) and / or Global System for Mobile communications (GSM) terminals and / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or personal information terminals (Personal Digital Assistant; PDA) and / or Smart Phone and / or Telematics, or HSDPA (High Speed Dow) and at least one wireless communication terminal connected to an nlink packet access) based wireless communication network, a portable internet terminal connected to the IEEE 802.16x based portable internet, or a wireless data communication terminal connected to the DataTAC / Mobitex based wireless data communication network. It is preferable to make.

The client terminal may output at least one user interface provided by the affiliate server 400, input and / or select at least one information through the user interface, and transmit the same to the affiliate server 400. It is preferable that a function configuration (for example, a browser program and a communication function, or a predetermined communication program and a communication function to communicate with the affiliate server 400, etc.) is provided.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the client terminal corresponding to at least one or more wired and / or wireless terminals, and thus a detailed description thereof will be omitted for convenience. .

In the card registration system as described above, a client terminal including at least one wired terminal and / or a wireless terminal used by the customer, at least one wired communication network connecting the client terminal and the affiliate server 400 and / or Alternatively, the wireless communication network performs a function of a card registration interface for registering the card registration application information for the customer to issue an affiliated card through leasing the card number.

According to another embodiment of the present invention, when the card registration system supports a non-face-to-face card registration application, the card registration terminal 460, in addition to the employee terminal and / or client terminal, a predetermined financial network And / or further including an automated teller machine (ATM), a cash dispenser (CD) connected to a financial common network (not shown), and / or It further comprises a predetermined call terminal (not shown) connected to a wired telephone network such as a public switched telephone network (PSTN), a voice over IP (VoIP) network, and / or a mobile communication network, a wireless VoIP network. A terminal (and / or a terminal) provided in at least one or more organizations affiliated with the card issuing organization, and / or a predetermined communication terminal (not shown) connected to a wireless telephone network such as Server) (which may further include a not illustrated), to which the present invention is not limited.

In the case of supporting a non-face-to-face card registration application as described above, when the card registration terminal 460 is the financial automatic device (not shown), the financial automatic device (not shown) and the financial automatic device ( (Not shown) and a financial network connecting the affiliate server 400 performs a function of a card registration interface for registering the card registration application information for the customer to issue an affiliate card through leasing the card number, and / or When the card registration terminal 460 is the call terminal (not shown), a wired telephone network and / or a wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the affiliate server 400. The customer performs a function of a card registration interface for registering card registration application information for issuing an affiliate card through leasing the card number, and / or the card and the like. If the lock terminal 460 is a terminal (and / or server) (not shown) provided in an institution affiliated with the card issuing organization, the terminal (and / or server) (not shown) and the terminal (and / or A network connecting the server (not shown) and the affiliate server 400 performs a function of a card registration interface for registering the card registration application information for the customer to issue an affiliate card through leasing the card number.

The rental card number D / B 490 provided to the card issuing institution according to the embodiment of the present invention is at least leased so that the card issuing institution is allocated to at least one affiliate card registered through the card issuing affiliate institution. It is preferable to include one or more card numbers, it is preferable that the card issuance further comprises a card issuing affiliated information to lease the rental card number.

Here, the rental card number, including all 16-digit card number, or the nine-digit serial number of the 16-digit card number (for example, the first four digits corresponding to the card issuing agency number and corresponding to the card type number) The next 2 digits and the remaining 9 digit serial number except the last 1 digit corresponding to the check digit), preferably including a predetermined number area, and according to the intention of the person skilled in the art In addition, it may include a rental card number that follows the other card number system.

Further, the card issuing affiliate information is information for identifying at least one or more card issuing affiliates to lease at least one or more card numbers in the card issuing institution, the card issuing affiliate to lease at least one or more card numbers. In the case of one, it is possible to omit it and thereby the present invention is not limited.

The storage medium 450 provided in the card issuing affiliate institution issues a predetermined alliance card to the customer based on the card registration application information provided from the card registration terminal 460, and then issues the affiliated card issuer. And affiliation card issuance information including at least one of customer information, affiliation card information, and card attribute information. The affiliation card issuance information stored in the storage medium 450 may be stored in the card issuing agency. It is used to provide affiliate card related services through number rental.

According to another exemplary embodiment of the present invention, the storage medium 450 is connected to a predetermined DBMS interoperating with a server (or device) that performs a predetermined information processing function using the affiliated card issuing information in the card issuing affiliated institution. In this case, the storage medium 450 may be provided at various positions according to the intention of those skilled in the art, and the present invention is not limited thereto.

The affiliate server 400 provided in the card issuing affiliate institution is a generic term for the card issuing affiliate institution side components connected to the card registration terminal 460 through a predetermined network means, and includes at least one server (or an apparatus). ) And / or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to an embodiment of the present invention, the affiliate server 400 is provided with an interface unit 405 (or interface means) for providing a predetermined card registration interface to the card registration terminal 460 via the network means. It is characterized by.

According to an embodiment of the present invention, when the card registration terminal 460 is an employee terminal connected to a predetermined financial network, the interface unit 405 is connected to the employee terminal based on a protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one information (or data) using a communication protocol defined in a card registration application program provided in the employee terminal.

According to another exemplary embodiment of the present invention, when the card registration terminal 460 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 405 uses a protocol stack defined in the wired communication network. It is preferable to provide a communication interface for connecting at least one communication channel with the client terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 405 connects a communication channel with the client terminal based on the TCP / IP protocol. It provides a communication interface for transmitting and receiving web pages (eg, Hyper-Text Markup Language (HTML) compatible web pages) and / or information using the HTPP protocol defined in the browser program.

Alternatively, when a predetermined card registration application program provided by the affiliate server 400 is provided in the client terminal, the interface unit 405 connects a communication channel with the client terminal based on the TCP / IP protocol. It provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the card registration terminal 460 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 405 is a protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal and connecting a predetermined communication channel with the client terminal. .

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol is provided in the client terminal, the interface unit 405 communicates with the client terminal based on the CDMA protocol. And a communication interface for transmitting and receiving web pages (e.g., WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information using the WAP / ME protocol defined in the browser program. .

Alternatively, when the client terminal is provided with a card registration application program provided by the affiliate server 400, the interface unit 405 connects a communication channel with the client terminal based on the CDMA protocol, and the communication program. Provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in.

Referring to FIG. 4, the affiliate server 400 is connected with the interface unit 405 when a predetermined card registration terminal 460 is connected to the affiliate server 400 through the interface unit 405. The interface providing unit 410 generates (or extracts) a predetermined user interface for the card registration terminal 460 to input (or select) and transmit predetermined card registration application information to the card registration terminal 460. (Or an interface providing means) and an information receiving unit for receiving predetermined card registration request information transmitted from the card registration terminal 460 through the user interface (or selected) in association with the interface unit 405 ( 415 (or information receiving means) and the validity authentication unit 420 for checking the validity of issuing the affiliate card to the customer based on the received card registration application information (Or validity authentication means) and accesses the rental card number D / B 490 provided in the card issuing authority through the communication means to obtain a predetermined rental card number among at least one or more rental card numbers to be registered. A card number assignment unit 430 (or card number assignment means) for allocating a predetermined affiliate card number for the affiliate card and a card information generator 435 for generating predetermined affiliate card information including the affiliate card number. (Or information generating means), a card issuing unit 445 (card issuing means) for issuing a predetermined affiliate card including the affiliated card information through a predetermined card registration device, and the affiliated card issued to the customer. And an information storage unit 440 (or information storage means) for storing the predetermined affiliated card issuing information in the storage medium 450.

In addition, after the predetermined affiliate card is issued through the card issuing unit 445, the affiliate server 400 may perform a predetermined communication means (for example, a dedicated communication network or a secure communication network based on encrypted communication). The card company server 470 corresponding to the card issuing agency is provided with an information transmitting / receiving unit 425 for transmitting customer information corresponding to the affiliated card, card information and card attribute information.

In addition, the information transmitting and receiving unit 475 is a rental card number D / B (490) provided in the card issuing organization through the communication means in order to assign a predetermined cooperation card number by the card number assignment unit 430 ) Transmits predetermined card number request information to a DBMS (or DB server) that manages), and receives a predetermined rental card number and provides the card number allocation unit 430 to the card number assignment unit 430 in response thereto. If the number assignment unit 430 can access the DBMS (or DB server) managing the rental card number D / B 490 provided in the card issuing authority through the communication means, the information transmitting and receiving unit 425 ) Can be omitted to transmit the card number request information, thereby the invention is not limited.

In addition, when the predetermined partner card number is assigned by the card number assignment unit 430, the information transmitting and receiving unit 425 sends the card to the card company server 470 corresponding to the card issuer through the communication means. The affiliate card number assigned by the number assignment unit 430 is transmitted, and a card verification value (or verification code) corresponding to the affiliate card number from the card company server 470 (for example, CVV (Card Verification) of a visa card. Value), CVC (Card Validation Code) of the master card, CID (Confidential Identifier Number or Card Identification Number) of the American Express card, and the like, and the card verification value (or verification code) in the rental card number ), The function of transmitting and receiving the card verification value (or verification code) for the association card number may be omitted.

The interface providing unit 410 corresponds to a functional configuration provided in the card registration terminal 460 when a predetermined card registration terminal 460 is connected to the affiliate server 400 through the interface unit 405. Generate a predetermined user interface capable of inputting (or selecting) the card registration application information and transmitting it to the affiliate server 400 via the network means, and / or extract from a predetermined database (not shown), It is characterized by providing the user interface generated (or extracted) to the card registration terminal 460 through the network means in association with the interface unit 405.

Thereafter, the card registration terminal 460 inputs (or selects) the card registration application information based on the user interface, and transmits the input (or selected) card registration application information through the network means to the affiliate server ( 400).

According to an embodiment of the present invention, when the card registration terminal 460 is an employee terminal connected to a predetermined financial network, the interface providing unit 410 may provide a card registration application program provided in the employee terminal. It is preferable to generate (or extract) a user interface of the user, and provide the generated (or extracted) user interface to the employee terminal through the interface unit 405.

According to another exemplary embodiment of the present invention, when the card registration terminal 460 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface providing unit 410 is a browser program provided in the client terminal. And / or generate (or extract) a predetermined user interface that can be provided to the communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 405.

According to another exemplary embodiment of the present invention, when the card registration terminal 460 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 410 is a browser provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided by a program and / or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 405.

The information receiving unit 415 inputs (or selects) predetermined card registration application information from the card registration terminal 460 through the user interface and transmits the information through the network means. The card registration application information is received, and the received card registration application information is provided to the validity authentication unit 420.

According to an embodiment of the present invention, the card registration application information includes customer information of the card registration customer and at least one or more kinds of card attribute information for setting card attributes for the affiliated card.

Here, the customer information is personal information of the card registered customer (for example, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.), and the customer has subscribed to the affiliate server 400. It is preferable to include at least one member information (eg, member ID information).

Further, the card attribute information for the affiliate card may be assigned to a credit card attribute, a check card attribute, a debit card attribute, a cash card attribute, or a prepaid card attribute. It is preferable to include at least one or more attribute setting information to be provided.

For example, when assigning a credit card attribute to the affiliate card, the card attribute information may include credit inquiry consent information for issuing the affiliate card, and assigns a check card / debit card / cash card attribute to the affiliate card. In the case of granting, the card attribute information may include customer account information associated with the affiliate card. When the prepaid card attribute is assigned to the affiliate card, the card attribute information is a predetermined amount to the affiliate card. It may be made by including prepaid card charging information for charging.

According to another embodiment of the present invention, when the card attribute is fixed by the card issuing affiliate (or card issuing authority) or is set in a policy, the card attribute information may be omitted, thereby limiting the present invention. Not.

The validity authentication unit 420 may verify the validity of issuing the affiliate card to the customer based on the customer information included in the received card registration application information.

According to the implementation method of the present invention, the validity confirmation for issuing the alliance card to the customer, based on the customer name and resident registration number included in the customer information, a predetermined real name verification server (not shown) It is preferable to include a) to confirm the real name of the customer in conjunction with).

In addition, when the affiliated card includes a credit card attribute, the validity check for issuing the affiliated card to the customer is based on a predetermined communication means based on the customer information. ), It is desirable to include verifying the credit information of the customer.

In addition, when the affiliate card includes a check card / debit card attribute, the validity check for issuing the affiliate card to the customer is performed based on the customer information. It is preferable that the customer account associated with the card is formed in connection with a financial institution server (not shown) opened and confirming whether the customer account is opened and normally operated.

The card number allocating unit 430 allocates a predetermined lease from the lease card number D / B 490 to the affiliated card in association with a DBMS (or DB server) provided in the card issuing institution through the communication means. A card number may be identified (or received), a predetermined affiliate card number including the rental card number may be generated (or extracted) and assigned to the affiliate card.

According to an embodiment of the present invention, when the lease card number D / B 490 is provided with a 16-digit lease card number, the card number allocating unit 430 reads a predetermined lease card number among the lease card numbers. It is preferable to extract by the affiliate card number.

According to another embodiment of the present invention, when the rental card number D / B 490 is provided with a rental card number including a 9-digit serial number of the 16-digit card number, the card number assignment unit 430 is provided. It is preferable to generate a predetermined partnership card number including a rental card number, a card issuing agency information number, a card type number, and a check digit corresponding to the 9-digit serial number.

If the person having ordinary knowledge in the technical field to which the present invention belongs, if the lease card number follows a card number system other than the 16-digit card number, the lease card number to the affiliated card number according to the card number system Various implementation methods may be inferred, and the present invention is characterized by including all implementation methods inferred.

According to the embodiment of the present invention, when a predetermined cooperation card number is assigned by the card number assignment unit 430, the information transmission / reception unit 425 is a card company server corresponding to the card issuer through the communication means ( 470 transmits the affiliate card number assigned by the card number assignment unit 430, and a card verification value (or verification code) corresponding to the affiliate card number from the card company server 470 (e.g., a visa card). It is preferable to receive the CVV (Card Verification Value), Master Card CVC (Card Validation Code), American Express Card CID (Confidential Identifier Number or Card Identification Number), and the card verification value in the rental card number (Or verification code) or the card number assignment unit 430 is provided with the card verification value (or verification code) generation function, the information transmitting and receiving unit 425 is The function of transmitting and receiving the card verification value (or verification code) for the affiliated card number may be omitted.

When the association card number is generated (or extracted) as described above, the card information generation unit 435 may generate predetermined association card information including the association card number.

According to an embodiment of the present invention, the affiliate card information includes at least one affiliate card number, a card verification value (or verification code), the card expiration date (some may be omitted), and card issuer information (or code). It is preferable to make it.

For example, the card number (although some exceptions exist) preferably includes a four-digit card issuing organization number, a two-digit card type number, a nine-digit serial number, and a check digit.

The expiration date information is preferably made to include the period (or expiration date and time) that can be used for the affiliate card, it may be omitted if the expiration date does not exist in the affiliate card, thereby the present invention is not limited .

The card issuing organization information (or code) preferably comprises at least one or more unique numbers (or unique codes) assigned to the card issuing organization (or financial company) that issues the affiliate card to the customer.

When predetermined affiliated card information included in the affiliated card is generated by the card information generating unit 435, the card issuing unit 445 generates an affiliated card including the affiliated card information through a predetermined card registration device. And (or having the affiliate card information included in the affiliate card), the affiliate card is provided (or delivered) to the customer.

If the affiliate card is an MS (Magnetic Stripe) card, the card registration device records the affiliate card information on at least one MS track (eg, track I, track II, track III) included in the affiliate card. In this case, the card information generation unit 435 generates the association card information in a data structure recordable in at least one or more MS tracks, and the card issuing unit 445 cooperates with the card registration device. By recording card information in at least one or more MS tracks, a predetermined affiliate card to be issued to the customer is issued.

Alternatively, if the affiliated card is an IC (Integrated Circuit) card, the card registration device comprises a device for recording the affiliated card information in a memory provided in the IC chip of the affiliated card, wherein the card information generation The unit 435 generates the association card information in a file structure operable through a COS (Chip Operating System) provided in the IC chip, and the card issuing unit 445 generates the association card information through the card registration device. Is recorded in the memory of the IC chip, and a predetermined partnership card to be issued to the customer is issued.

The affiliated card produced as described above is provided to the customer and / or delivered to the customer according to a predetermined card providing procedure, and the customer then uses the affiliated card through the card issuing affiliated agency.

Thereafter, the information storage unit 440 stores the customer information included in the card registration application information received from the customer through the information receiving unit 415, the generated affiliate card information, and card attribute information of the affiliate card. Characterized in that the at least one association card issuance information is stored in the storage medium 450.

Here, the customer information included in the affiliated card issuance information includes personal information of the card registered customer (for example, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.), and the customer At least one member information (for example, member ID information) subscribed to the affiliate server 400 may be included.

In addition, the card attribute information included in the affiliate card issuance information may provide a credit card attribute, a check card attribute, a debit card attribute, a cash card attribute, or prepaid to the affiliate card. At least one attribute setting information for imparting card attributes is preferably included.

For example, when assigning a credit card attribute to the affiliate card, the card attribute information includes various attribute information (eg, credit limit, etc.) for use in payment through a credit card payment system for issuing the affiliate card. When the check card / debit card / cash card attribute is given to the affiliate card, the card attribute information may include customer account information associated with the affiliate card, and the prepaid card attribute is added to the affiliate card. In the case of granting, the card attribute information may include information on the amount of charge charged in the affiliate card.

Those skilled in the art will be able to infer various technical configurations of the card attribute information, so a detailed description thereof will be omitted.

Referring to FIG. 4, the card company server 470 of the card issuing organization connected to the affiliate server 400 through a predetermined communication means receives a predetermined affiliate card number from the affiliate server 400 through the communication means. An information transmitting / receiving unit 475 (or an information receiving unit) that receives (or receives a card verification value (or verification code) request information) and the predetermined information from the affiliate server 400 through the information transmitting / receiving unit 475. When receiving an affiliate card number (or when a card verification value (or verification code) is requested), the verification card information generation unit 480 generating a predetermined card verification value (or verification code) corresponding to the affiliate card number. And the information transceiving unit 475 (or information transmitting means) transmits a card verification value (or verification code) corresponding to the affiliate card number to the affiliate server 400. It characterized.

Those skilled in the art to which the present invention belongs, the verification card information generation unit 480 is the CVV (Card Verification Value) of the Visa card, Master Card CVC (Card Validation Code), Since you will be familiar with the technical features for generating a card verification value (or verification code) including at least one CID (Confidential Identifier Number or Card Identification Number), a detailed description thereof will be omitted for convenience.

Referring to FIG. 4, the card company server 470 of the card issuing organization connected to the affiliate server 400 through a predetermined communication means is connected to the issued affiliate card from the affiliate server 400 through the communication means. An information transmitting / receiving unit 475 (or information receiving means) for receiving affiliate card issuance information including at least one corresponding customer information, affiliate card information, and card attribute information corresponding to the affiliate card; and the received customer information. And an information storage unit 485 for storing, in the predetermined card information D / B 495, the affiliate card operation information in which the affiliated card information and the card attribute information are linked to the affiliated agency information corresponding to the card issuing affiliated institution. It is characterized by comprising.

Thereafter, the affiliated card operation information stored in the card information D / B 495 is used by the card issuer to provide a payment service or various additional services in association with at least one affiliated store.

According to one embodiment of the present invention, the card information D / B 495 is preferably provided in a DBMS on a predetermined financial system provided to the card issuer (or associated with the card issuer). The card information D / B 495 may be a ledger D / B provided in a DBMS on the financial system and / or a predetermined database associated with the ledger D / B, whereby the present invention is not limited thereto. No.

According to another exemplary embodiment of the present invention, the card information D / B 495 may be an online payment system, and / or a WAP-based wireless payment system, and / or an IC chip provided in (or associated with) the card issuer. It is possible to be provided in the DBMS on at least one or more of the base wireless payment system, and / or the tele payment system, whereby the present invention is not limited.

According to another embodiment of the present invention, the card information D / B 495 is an internet banking system, and / or a telebanking system, and / or a wireless banking system provided to (or associated with) the card issuer. It is possible to be provided in the DBMS on at least one banking system of, and / or a TV banking system, whereby the present invention is not limited.

5 is a diagram illustrating a card registration process for issuing an affiliate card through card number rental according to an embodiment of the present invention.

In more detail, in FIG. 5, in the card registration system shown in FIG. 4, a predetermined customer creates a predetermined card registration application through a face-to-face card registration interface (e.g., the card registration application, employee terminal, and network means). And submit to the affiliated employee, when the affiliated employee inputs (or selects) card registration application information corresponding to the card registration application through a predetermined card registration terminal 460 and transmits the information to the affiliated server 400. The process of issuing a predetermined affiliate card through the card number rental to the customer based on the card registration application information in the affiliate server 400, and specifically, the rental card number D / which stores the rental card number. B 490 illustrates an implementation method provided in the card issuing engine.

Those skilled in the art to which the present invention pertains can deduce various implementation methods for issuing the alliance card for issuing the alliance card through lease of the card number by referring to and / or modifying the drawing 5. However, the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

For example, FIG. 5 illustrates that the affiliate card is produced and provided (or delivered) to the customer, and then the affiliate card issuance information is stored in the storage medium 450. The process of storing the predetermined affiliate card issuance information in the storage medium 450 may be performed before the affiliate card is produced or before the affiliate card is produced (or delivered) to the customer. The present invention is not limited.

Hereinafter, in FIG. 5, the card registration terminal 460 illustrated in FIG. 4 is referred to as a “terminal” for convenience, and the affiliate server 400 is referred to as a “server” for convenience.

Referring to FIG. 5, in order to issue the affiliated card for issuing an affiliated card through leasing of the card number, the customer is prescribed through a face-to-face card registration interface (eg, the card registration application, employee terminal, and network means). When a card registration application (for example, a document having a form for filling in at least one information item for issuance of an affiliate card through lease of the card number) is completed and submitted to an affiliated employee, the terminal is connected by the affiliated employee. The card registration application information corresponding to the card registration application prepared by the customer is input (or selected) through a predetermined user interface (500), and the card registration application information is transmitted to the server through the network means (505). .

According to an embodiment of the present invention, the card registration application information includes customer information of the card registration customer and at least one or more kinds of card attribute information for setting card attributes for the affiliated card.

Here, the customer information is personal information of the card registered customer (for example, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.), and the customer has subscribed to the affiliate server 400. It is preferable to include at least one member information (eg, member ID information).

Further, the card attribute information for the affiliate card may be assigned to a credit card attribute, a check card attribute, a debit card attribute, a cash card attribute, or a prepaid card attribute. It is preferable to include at least one or more attribute setting information to be provided.

For example, when assigning a credit card attribute to the affiliate card, the card attribute information may include credit inquiry consent information for issuing the affiliate card, and assigns a check card / debit card / cash card attribute to the affiliate card. In the case of granting, the card attribute information may include customer account information associated with the affiliate card. When the prepaid card attribute is assigned to the affiliate card, the card attribute information may be set to the affiliate card. It may include a prepaid card charging information for charging.

According to another embodiment of the present invention, when the card attribute is fixed by the card issuing affiliate (or card issuing authority) or is set in a policy, the card attribute information may be omitted, thereby limiting the present invention. Not.

Thereafter, the server receives and reads the card registration request information from the terminal through the network means and issues the affiliated card through leasing the card number to the customer based on the customer information included in the card registration request information. The card registration validity for issuing the affiliate card is checked (510).

According to the implementation method of the present invention, the validity confirmation for issuing the alliance card to the customer, based on the customer name and resident registration number included in the customer information, a predetermined real name verification server (not shown) It is preferable to include a) to confirm the real name of the customer in conjunction with).

In addition, when the affiliated card includes a credit card attribute, the validity check for issuing the affiliated card to the customer is based on a predetermined communication means based on the customer information. It is preferable to include the check the credit information of the customer in conjunction with).

In addition, when the affiliate card includes a check card / debit card attribute, the validity check for issuing the affiliate card to the customer is performed based on the customer information. It is preferable that the customer account associated with the card is formed in connection with a financial institution server (not shown) opened and confirming whether the customer account is opened and normally operated.

If the validity to issue the affiliate card to the customer is not authenticated through the card registration application information (515), the server provides card registration error information to the customer through the card registration interface (520). Stop issuing the affiliate card to the customer.

On the other hand, if the validity to issue the alliance card to the customer through the card registration application information is authenticated (515), the server through the communication means for the rental card number D / B (e.g. In step 490, the lease card number to be assigned to the alliance card is requested and received and assigned to the alliance card number (525).

Thereafter, the server transmits the affiliate card number to the card company server 470 that has leased the lease card number through the communication means, and then a verification value (or verification code) corresponding to the affiliate card number to the card company server 470. Request a card verification value (or verification code) corresponding to the affiliate card number from the card company server 470 in response thereto (530), and the affiliate card number and card verification value (or verification code). Predetermined affiliate card information, including the generated information, is generated (535).

Here, the affiliated card information may include a card number (eg, 16-digit card number) corresponding to the affiliated card, the received card verification value (or verification code), expiration date information (some may be omitted), and card issuer information ( Or code).

For example, the card number (although some exceptions exist) preferably includes a four-digit card issuing organization number, a two-digit card type number, a nine-digit serial number, and a check digit.

The expiration date information is preferably made to include the period (or expiration date and time) that can be used for the affiliate card, it may be omitted if the expiration date does not exist in the affiliate card, thereby the present invention is not limited .

The card issuing organization information (or code) preferably comprises at least one or more unique numbers (or unique codes) assigned to the card issuing organization (or financial company) that issues the affiliate card to the customer.

According to an embodiment of the present invention, if the affiliate card is an MS card, the generated affiliate card information preferably includes a data structure recordable on at least one or more MS tracks provided in the MS card.

According to another exemplary embodiment of the present invention, if the affiliate card is an IC card, the generated affiliate card information may include a file structure operable through a chip operating system (COS) provided in the IC chip.

Thereafter, the server prepares a predetermined affiliate card with the affiliate card information through a predetermined card registration device and provides (or delivers) the card to the customer (540).

According to an exemplary embodiment of the present invention, if the affiliate card is an MS card, the card registration apparatus may provide the affiliate card information to at least one or more MS tracks (eg, track I, track II, and track III) included in the affiliate card. It is preferable to include an apparatus for recording.

According to another embodiment of the present invention, if the association card is an IC card, the card registration device preferably includes an apparatus for recording the association card information in a memory provided in the IC chip of the association card.

Thereafter, the server issuing an affiliate card including at least one of customer information included in the card registration application information provided from the customer through the card registration interface, the generated affiliate card information, and card attribute information of the affiliate card. Information is stored in the storage medium 450 (545).

Here, the customer information included in the affiliated card issuance information includes personal information of the card registered customer (for example, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.), and the customer At least one member information (for example, member ID information) subscribed to the affiliate server 400 may be included.

In addition, the card attribute information included in the affiliate card issuance information may be assigned to a credit card attribute, a check card attribute, a debit card attribute, a cash card attribute, or prepaid. At least one attribute setting information for imparting card attributes is preferably included.

For example, when assigning a credit card attribute to the affiliate card, the card attribute information includes various attribute information (eg, credit limit, etc.) for use in payment through a credit card payment system for issuing the affiliate card. When the check card / debit card / cash card attribute is given to the affiliate card, the card attribute information may include customer account information associated with the affiliate card, and the prepaid card attribute is added to the affiliate card. In the case of granting, the card attribute information may include information on the amount of charge charged in the affiliate card.

Those skilled in the art will be able to infer various technical configurations of the card attribute information, so a detailed description thereof will be omitted.

Subsequently, the server issues the at least one affiliate card including at least one of customer information corresponding to the affiliate card, card information, and card attribute information to the card company server 470 and the card company server 470 through the communication means. In step 550, the card company server 470 stores affiliate card operation information, which further includes the card issuing affiliate information, in the card information D / B 495. 555).

According to one embodiment of the present invention, the card information D / B 495 is preferably provided in a DBMS on a predetermined financial system provided to the card issuer (or associated with the card issuer). The card information D / B 495 may be a ledger D / B provided in a DBMS on the financial system and / or a predetermined database associated with the ledger D / B, whereby the present invention is not limited thereto. No.

According to another exemplary embodiment of the present invention, the card information D / B 495 may be an online payment system, and / or a WAP-based wireless payment system, and / or an IC chip provided in (or associated with) the card issuer. It is possible to be provided in the DBMS on at least one or more of the base wireless payment system, and / or the tele payment system, whereby the present invention is not limited.

According to another embodiment of the present invention, the card information D / B 495 is an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided (or associated with) the card issuing institution. It is possible to be provided in the DBMS on at least one banking system of, and / or a TV banking system, whereby the present invention is not limited.

6 is a diagram illustrating a card registration process for issuing an affiliate card through card number rental according to another embodiment of the present invention.

More specifically, FIG. 6 shows a non-face-to-face card registration interface (e.g., client terminal and network means including at least one of a wired terminal and / or a wireless terminal) in a card registration system shown in FIG. After accessing the affiliate server 400 through inputting (or selecting) predetermined card registration application information, the affiliate server 400 rents the card number to the customer based on the card registration application information. As a process of issuing a predetermined affiliate card through, specifically, it illustrates an implementation method in which the rental card number D / B 490 for storing the rental card number is provided in the card issuing institution.

Those skilled in the art to which the present invention pertains can deduce various implementation methods for issuing the alliance card for issuance of the alliance card through lease of the card number by referring to and / or modifying the present invention. However, the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

For example, FIG. 6 illustrates that the affiliate card is produced and provided (or delivered) to the customer, and then the affiliate card issuance information is stored in the storage medium 450. The process of storing the predetermined affiliate card issuance information in the storage medium 450 may be performed before the affiliate card is produced or before the affiliate card is produced (or delivered) to the customer. The present invention is not limited thereto.

Hereinafter, in FIG. 6, the card registration terminal 460 illustrated in FIG. 4 is referred to as a “terminal” for convenience, and the affiliate server 400 is referred to as a “server” for convenience.

Referring to FIG. 6, the customer accesses the server through a predetermined terminal to connect a communication channel for card registration application, and the affiliate card for issuing an affiliate card through leasing the card number through the communication channel. In step 600, the server generates (or extracts) a user interface for issuing the affiliate card and provides the terminal to the terminal through the communication channel (605).

Thereafter, the terminal receives (or selects) the card registration request information through the user interface and transmits the input (or select) the card registration request information to the server through the communication channel (610).

According to an embodiment of the present invention, the card registration application information includes customer information of the card registration customer and at least one or more kinds of card attribute information for setting card attributes for the affiliated card.

Here, the customer information is personal information of the card registered customer (eg, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.), and the customer subscribes to the affiliate server 400. Preferably, at least one member information (eg, member ID information) is included.

Further, the card attribute information for the affiliate card may be assigned to a credit card attribute, a check card attribute, a debit card attribute, a cash card attribute, or a prepaid card attribute. It is preferable to include at least one or more attribute setting information to be provided.

For example, when assigning a credit card attribute to the affiliate card, the card attribute information may include credit inquiry consent information for issuing the affiliate card, and assigns a check card / debit card / cash card attribute to the affiliate card. In the case of granting, the card attribute information may include customer account information associated with the affiliate card. When the prepaid card attribute is assigned to the affiliate card, the card attribute information may be set to the affiliate card. It may include a prepaid card charging information for charging.

According to another embodiment of the present invention, when the card attribute is fixed by the card issuing affiliate (or card issuing authority) or is set in a policy, the card attribute information may be omitted, thereby limiting the present invention. Not.

Thereafter, the server receives and reads the card registration request information from the terminal through the network means and issues the affiliated card through leasing the card number to the customer based on the customer information included in the card registration request information. The card registration validity for issuing the affiliate card is checked (615).

According to the implementation method of the present invention, the validity confirmation for issuing the alliance card to the customer, based on the customer name and resident registration number included in the customer information, a predetermined real name verification server (not shown) It is preferable to include a) to confirm the real name of the customer in conjunction with).

In addition, when the affiliated card includes a credit card attribute, the validity check for issuing the affiliated card to the customer is based on a predetermined communication means based on the customer information. It is preferable to include the check the credit information of the customer in conjunction with).

In addition, when the affiliate card includes a check card / debit card attribute, the validity check for issuing the affiliate card to the customer is performed based on the customer information. It is preferable that the customer account associated with the card is formed in connection with a financial institution server (not shown) opened and confirming whether the customer account is opened and normally operated.

If the validity to issue the affiliate card to the customer is not authenticated through the card registration application information (620), the server provides card registration error information to the customer through the card registration interface (625). Stop issuing the affiliate card to the customer.

On the other hand, if the validity to issue the affiliated card to the customer through the card registration application information is authenticated (620), the server is the rental card number D / B provided to the card issuing organization through the communication means ( In operation 490, the lease card number request to be assigned to the affiliate card is received and assigned to the affiliate card number (630).

Thereafter, the server transmits the affiliate card number to the card company server 470 that has leased the lease card number through the communication means, and then a verification value (or verification code) corresponding to the affiliate card number to the card company server 470. Request a card verification value (or verification code) corresponding to the affiliate card number from the card company server 470 in response thereto (635), and the affiliate card number and card verification value (or verification code). Generates a predetermined affiliate card information to be included (640).

Here, the affiliated card information may include a card number (eg, 16-digit card number) corresponding to the affiliated card, the received card verification value (or verification code), expiration date information (some may be omitted), and card issuer information ( Or code).

For example, the card number (although some exceptions exist) preferably includes a four-digit card issuing organization number, a two-digit card type number, a nine-digit serial number, and a check digit.

The expiration date information is preferably made to include the period (or expiration date and time) that can be used for the affiliate card, it may be omitted if the expiration date does not exist in the affiliate card, thereby the present invention is not limited .

The card issuing organization information (or code) preferably comprises at least one or more unique numbers (or unique codes) assigned to the card issuing organization (or financial company) that issues the affiliate card to the customer.

According to an embodiment of the present invention, if the affiliate card is an MS card, the generated affiliate card information preferably includes a data structure recordable on at least one or more MS tracks provided in the MS card.

According to another exemplary embodiment of the present invention, if the affiliate card is an IC card, the generated affiliate card information may include a file structure operable through a chip operating system (COS) provided in the IC chip.

Thereafter, the server generates a predetermined affiliate card with the affiliate card information through a predetermined card registration device and provides (or delivers) the partner card (645).

According to an exemplary embodiment of the present invention, if the affiliate card is an MS card, the card registration apparatus may provide the affiliate card information to at least one or more MS tracks (eg, track I, track II, and track III) included in the affiliate card. It is preferable to include an apparatus for recording.

According to another embodiment of the present invention, if the association card is an IC card, the card registration device preferably includes an apparatus for recording the association card information in a memory provided in the IC chip of the association card.

Thereafter, the server issuing an affiliate card including at least one of customer information included in the card registration application information provided from the customer through the card registration interface, the generated affiliate card information, and card attribute information of the affiliate card. Information is stored in the storage medium 450 (650).

Here, the customer information included in the affiliated card issuance information includes personal information of the card registered customer (for example, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.), and the customer At least one member information (for example, member ID information) subscribed to the affiliate server 400 may be included.

In addition, the card attribute information included in the affiliate card issuance information may be assigned to a credit card attribute, a check card attribute, a debit card attribute, a cash card attribute, or prepaid. At least one attribute setting information for imparting card attributes is preferably included.

For example, when assigning a credit card attribute to the affiliate card, the card attribute information includes various attribute information (eg, credit limit, etc.) for use in payment through a credit card payment system for issuing the affiliate card. When the check card / debit card / cash card attribute is given to the affiliate card, the card attribute information may include customer account information associated with the affiliate card, and the prepaid card attribute is added to the affiliate card. In the case of granting, the card attribute information may include information on the amount of charge charged in the affiliate card.

Those skilled in the art will be able to infer various technical configurations of the card attribute information, so a detailed description thereof will be omitted.

Subsequently, the server issues the at least one affiliate card including at least one of customer information corresponding to the affiliate card, card information, and card attribute information to the card company server 470 and the card company server 470 through the communication means. The card company server 470 stores the affiliated card operation information further including the card issuing affiliated agency information in the affiliated card issuing information in the predetermined card information D / B 495 (S655). 660).

According to one embodiment of the present invention, the card information D / B 495 is preferably provided in a DBMS on a predetermined financial system provided to the card issuer (or associated with the card issuer). The card information D / B 495 may be a ledger D / B provided in a DBMS on the financial system and / or a predetermined database associated with the ledger D / B, whereby the present invention is not limited thereto. No.

According to another exemplary embodiment of the present invention, the card information D / B 495 may be an online payment system, and / or a WAP-based wireless payment system, and / or an IC chip provided in (or associated with) the card issuer. It is possible to be provided in the DBMS on at least one or more of the base wireless payment system, and / or the tele payment system, whereby the present invention is not limited.

According to another embodiment of the present invention, the card information D / B 495 is an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided (or associated with) the card issuing institution. It is possible to be provided in the DBMS on at least one banking system of, and / or a TV banking system, whereby the present invention is not limited.

FIG. 7 is a diagram illustrating a card registration system for issuing an affiliate card in MS / IC form by collectively renting a card number according to another exemplary embodiment of the present invention.

In more detail, FIG. 7 illustrates that when a predetermined customer provides card registration application information for issuing an affiliate card through leasing a predetermined card number to a card issuing affiliate institution through a predetermined card registration interface, the card issuing affiliate institution is configured as described above. It is a system configuration for issuing an affiliate card in the form of a predetermined MS (Magnetic Stripe) card or IC (Integrated Circuit) card to the customer based on the provided card registration application information, specifically, a rental card for storing the rental card number If the number D / B (750) is provided in the card issuing affiliated institution, and also provided in the card issuing agency, an implementation method of registering / issuing the affiliate card by synchronizing the rental card number D / B (750) It is shown.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing to infer various implementation methods for configuring a card registration system for issuing an affiliated card through leasing the card number. However, the present invention includes all the implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

Hereinafter, at least one means and / or function of issuing a predetermined affiliate card to the customer based on the card registration application information provided from the customer through a predetermined card registration interface on the card registration system shown in FIG. Components corresponding to the configuration are referred to as "affiliate server 700" for convenience, and the card issuing agency provided with the affiliate server 700 may be a mobile carrier, various wireless carriers, various wire carriers, affiliated with the card issuing agency, It is preferable to include at least one or more portal operators.

Referring to FIG. 7 according to an embodiment of the present invention, a card registration system for issuing an affiliate card through leasing the card number may be used by an employee of an affiliated employee provided in at least one card issuer (or financial institution). And / or a client terminal including at least one wired terminal and / or a wireless terminal used by the customer when the card registration system supports a non-face-to-face card registration application. Characterized in that the employee terminal and / or client terminal is connected to the communication channel and the affiliate server 700 provided in the card issuing affiliate institution through a predetermined network means.

According to one embodiment of the present invention, the customer visits the card issuing agency to issue an affiliate card through the card number leasing and through the window provided at the card issuing institution (or through an affiliated employee). Fill out a predetermined card registration application for issuing an affiliate card through lease (e.g., a document with a form for filling in at least one item of information for issuing an affiliate card through lease of the card number) and / or the affiliate employee Visit the customer and have the customer fill out a predetermined card registration application for issuing an affiliate card through leasing the card number), and submit the completed card registration application to the affiliated employee. Enter (or select) the information entered in the card registration application through the employee's terminal, The employee terminal preferably transmits the input (or selected) information to the affiliate server 700 provided in the card issuing affiliate institution through the network means.

Here, preferably, the employee terminal includes an employee terminal used by an affiliated employee provided in the card issuing institution, and the affiliate server 700 connected to the employee terminal is the card issuing institution (or financial institution, or the And a server provided on a card issuing agency affiliated with a card issuing institution, wherein the network means for connecting the employee terminal and the affiliate server 700 is connected between the employee terminal and the affiliate server 700. It is preferable to include a communication network connecting the communication channel.

In the card registration system as described above, the card registration application prepared by the customer, the employee terminal used by the affiliated employee and the financial network connecting the employee terminal and the affiliated server 700, the customer rents the card number. It performs a function of a card registration interface for registering card registration application information for issuing an affiliate card through.

According to another exemplary embodiment of the present invention, when the card registration system supports a non-face-to-face card registration application, the customer is selected from a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network. Access the affiliate server 700 through at least one client terminal and input card registration application information for issuing an affiliate card through lease of the card number through at least one user interface provided by the affiliate server 700. (Or optional), it is preferable to transmit from the client terminal to the affiliate server 700 provided in the card issuing affiliate institution through a predetermined network means.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices connected to a TCP / IP based communication network, and a desktop computer and / or a notebook connected to the TCP / IP based communication network. (Notebook) or a home appliance terminal (eg, Set-Top-Box) connected to the TCP / IP based communication network, or a kiosk (KIOSK) connected to the TCP / IP based communication network, etc. It is preferable.

In addition, the wireless terminal connected to the wireless communication network is all terminal devices connected to a code division multiple access (CDMA) based mobile communication network, and / or all terminal devices connected to a high speed downlink packet access (HSDPA) based wireless communication network, and / Or all terminal devices connected to the IEEE 802.16x based mobile Internet, and / or all terminal devices connected to Motorola's DataTAC method and / or Erricson's Mobitex type wireless data communication network, and are personal communications connected to the CDMA based mobile communication network. Terminal (Personal Communication System; PCS) and / or Global System for Mobile communications (GSM) terminals and / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or personal information terminals (Personal Digital Assistant; PDA) and / or Smart Phone and / or Telematics, or HSDPA (High Speed Dow) and at least one wireless communication terminal connected to an nlink packet access) based wireless communication network, a portable internet terminal connected to the IEEE 802.16x based mobile internet, or a wireless data communication terminal connected to the DataTAC / Mobitex based wireless data communication network. It is preferable to make it.

The client terminal may output at least one user interface provided by the affiliate server 700, input and / or select at least one information through the user interface, and transmit the same to the affiliate server 700. It is preferable that a function configuration (e.g., a browser program and a communication function or a predetermined communication program and a communication function to communicate with the affiliate server 700) is provided.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the client terminal corresponding to at least one or more wired and / or wireless terminals, and thus a detailed description thereof will be omitted for convenience. .

In the card registration system as described above, a client terminal including at least one wired terminal and / or a wireless terminal used by the customer, at least one wired communication network connecting the client terminal and the affiliate server 700 and / or Alternatively, the wireless communication network performs a function of a card registration interface for registering the card registration application information for the customer to issue an affiliated card through leasing the card number.

According to another exemplary embodiment of the present invention, when the card registration system supports a non-face-to-face card registration application, the card registration terminal 765 may have a predetermined financial network in addition to the employee terminal and / or the client terminal. It further comprises a financial automated machine (not shown) including an automatic teller machine (ATM), a cash dispenser (CD) connected to (for example, a financial common network), and / or a predetermined And a predetermined call terminal (not shown) connected to a wired telephone network such as a Public Switched Telephone Network (PSTN), Voice over IP (VoIP) network, and / or a mobile communication network, a wireless VoIP network, A terminal (and / or terminal) provided in at least one or more organizations affiliated with the card issuing organization, and / or further comprising a predetermined call terminal (not shown) connected to the same wireless telephone network. Server) (which may further include a not illustrated), to which the present invention is not limited.

In the case of supporting a non-face-to-face card registration application as described above, when the card registration terminal 765 is the financial automatic device (not shown), the financial automatic device (not shown) and the financial automatic device ( (Not shown) and the financial network connecting the affiliate server 700 performs a function of a card registration interface for registering the card registration application information for the customer to issue an affiliate card through leasing the card number, and / or When the card registration terminal 765 is the call terminal (not shown), a wired telephone network and / or a wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the affiliated server 700. Performs a function of a card registration interface for the customer to register card registration application information for issuing an affiliate card through lease of the card number, and / or the card If the lock terminal 765 is a terminal (and / or server) (not shown) provided in an institution affiliated with the card issuing organization, the terminal (and / or server) (not shown) and the terminal (and / or Server (not shown) and the network connecting the affiliate server 700 performs a function of a card registration interface for the customer to register the card registration application information for issuing an affiliate card through the lease of the card number.

According to an embodiment of the present invention, the lease card number D / B 750 provided to the card issuing affiliate institution is leased so that the card issuing agency is assigned to at least one affiliate card registered through the card issuing affiliate institution. It is preferable to include at least one or more card number, it is preferable to further comprise the card issuing institution information that leased the lease card number.

Here, the rental card number, including all 16-digit card number, or the nine-digit serial number of the 16-digit card number (for example, the first four digits corresponding to the card issuing agency number and corresponding to the card type number) The next 2 digits and the remaining 9 digit serial number except the last 1 digit corresponding to the check digit), preferably including a predetermined number area, and according to the intention of the person skilled in the art In addition, it may include a rental card number that follows the other card number system.

In addition, the card issuing agency information is information for identifying at least one or more card issuing institutions that have leased the lease card number to the card issuing affiliate, and issuing at least one or more card numbers to the card issuing affiliate. If there is only one engine, it is possible to omit it and thereby the present invention is not limited.

In addition, the lease card number D / B (790) is provided to the card issuing agency in synchronization with the lease card number D / B (750) provided in the card issuing agency is the card issuing agency in the card issuing agency It is preferably made to include at least one or more card numbers leased to be assigned to at least one or more affiliate cards registered through, it is preferable that the lease card number further comprises a card issuing affiliate information to lease.

Here, the lease card number, preferably comprises the same information configuration as the lease card number D / B (750) provided in the card issuing affiliate institution, the lease card number is predetermined in the affiliate server 700 When assigned to an affiliate card, it is preferable to synchronize with the rental card number D / B (790) provided in the card issuing affiliate.

In addition, the card issuing affiliate information is information for identifying at least one or more card issuing affiliate institutions to lease at least one or more card numbers in the card issuing authority, the card issuing affiliate institution to lease at least one or more card numbers In this case, it is possible to omit and the present invention is not limited thereto.

The storage medium 755 provided to the card issuing affiliated institution issues a predetermined alliance card to the customer based on the card registration application information provided from the card registration terminal 765, and then issues the affiliated card issuance. And affiliation card issuance information including at least one of customer information, affiliation card information, and card attribute information, wherein the affiliation card issuance information stored in the storage medium 755 is stored in the card issuing agency. It is used to provide affiliate card related services through number rental.

According to another exemplary embodiment of the present invention, the storage medium 755 is connected to a predetermined DBMS interoperating with a server (or device) that performs a predetermined information processing function using the affiliated card issuing information at the card issuing affiliated institution. In this case, the storage medium 755 may be provided at various positions according to the intention of those skilled in the art, and the present invention is not limited thereto.

The affiliate server 700 provided in the card issuing affiliate institution is a generic term for the card issuing affiliate institution component connected to the card registration terminal 765 through a predetermined network means, and includes at least one server (or device). ) And / or at least one program recorded on a recording medium provided in a predetermined server (or device), and the present invention is not limited thereto.

According to an embodiment of the present invention, the affiliate server 700 is provided with an interface unit 705 (or interface means) for providing a predetermined card registration interface to the card registration terminal 765 via the network means. It is characterized by.

According to an exemplary embodiment of the present invention, when the card registration terminal 765 is an employee terminal connected to a predetermined financial network, the interface unit 705 may be connected to the employee terminal based on a protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one information (or data) using a communication protocol defined in a card registration application program provided in the employee terminal.

According to another embodiment of the present invention, when the card registration terminal 765 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 705 uses a protocol stack defined in the wired communication network. It is preferable to connect a predetermined communication channel with the client terminal based on the above, and to provide a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal. .

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 705 connects a communication channel with the client terminal based on the TCP / IP protocol. It provides a communication interface for transmitting and receiving web pages (eg, Hyper-Text Markup Language (HTML) compatible web pages) and / or information using the HTPP protocol defined in the browser program.

Alternatively, when a predetermined card registration application program provided by the affiliate server 700 is provided in the client terminal, the interface unit 705 connects a communication channel with the client terminal based on the TCP / IP protocol. It provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the card registration terminal 765 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 705 is a protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) using the communication protocol defined in the communication program provided in the client terminal and connecting a predetermined communication channel with the client terminal based on. Do.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol is provided in the client terminal, the interface unit 705 communicates with the client terminal based on the CDMA protocol. And a communication interface for transmitting and receiving web pages (e.g., WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information using the WAP / ME protocol defined in the browser program. .

Or, if the client terminal is provided with a card registration application program provided by the affiliate server 700, the interface unit 705 connects the communication channel with the client terminal based on the CDMA protocol, the communication program Provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in.

Referring to FIG. 7, the affiliate server 700 is connected with the interface unit 705 when a predetermined card registration terminal 765 accesses the affiliate server 700 through the interface unit 705. Interface providing unit 710 for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined card registration application information from the card registration terminal 765 to the card registration terminal 765. (Or an interface providing means) and an information receiving unit for receiving predetermined card registration application information transmitted from the card registration terminal 765 via the user interface (or selected) in association with the interface unit 705. 715 (or information receiving means) and the validity authentication unit 720 for checking the validity of issuing the affiliate card to the customer based on the received card registration application information (Or validity authentication means) and a card number assignment for allocating a predetermined rental card number among at least one rental card number provided in the rental card number D / B 750 as an affiliate card number for the registered affiliate card. Through the unit 730 (or card number assignment means), the card information generation unit 735 (or information generation means) for generating predetermined association card information including the association card number, and the predetermined card registration apparatus. The storage medium 755 stores a card issuing unit 745 (card issuing means) for issuing a predetermined affiliate card including the affiliated card information, and predetermined affiliated card issuance information corresponding to the affiliated card issued to the customer. And an information storage unit 740 (or information storage means) stored in the storage unit.

In addition, after the predetermined affiliate card is issued through the card issuing unit 745, the affiliate server 700 may perform the predetermined communication means (for example, a dedicated communication network or a secure communication network based on encrypted communication). A card company server 770 corresponding to a card issuing agency is provided with an information transmitting / receiving unit 725 for transmitting customer information corresponding to the affiliated card, card information, and card attribute information.

In addition, the information transmitting and receiving unit 725 is a lease card number D / B 790 provided to the card issuing organization through the communication means, when a predetermined cooperation card number is assigned by the card number assignment unit 730 ) By sending the affiliate card number to a DBMS (or DB server) managing the lease card number D / B (790) provided in the card issuing agency and the lease card number D / B provided in the card issuing affiliated agency It is desirable to synchronize 750.

In addition, when a predetermined cooperation card number is assigned by the card number assignment unit 730, the information transmitting and receiving unit 725 sends the card to the card company server 770 corresponding to the card issuing organization through the communication means. The affiliate card number assigned by the number assignment unit 730 is transmitted, and a card verification value (or verification code) corresponding to the affiliate card number from the card company server 770 (for example, CVV (Card Verification) of a visa card. Value), CVC (Card Validation Code) of the master card, CID (Confidential Identifier Number or Card Identification Number) of the American Express card, and the like, and the card verification value (or verification code) in the rental card number ), The function of transmitting and receiving the card verification value (or verification code) for the association card number may be omitted.

The interface providing unit 710 corresponds to a function configuration provided in the card registration terminal 765 when a predetermined card registration terminal 765 connects to the affiliate server 700 through the interface unit 705. Generate a predetermined user interface capable of inputting (or selecting) the card registration request information to the affiliate server 700 through the network means, and / or extracting from a predetermined database (not shown), and The card interface terminal 705 provides the generated (or extracted) user interface to the card registration terminal 765 through the network means.

Thereafter, the card registration terminal 765 inputs (or selects) the card registration application information based on the user interface, and transmits the input (or selected) card registration application information through the network means to the affiliate server ( 700).

According to an embodiment of the present invention, when the card registration terminal 765 is an employee terminal connected to a predetermined financial network, the interface providing unit 710 may provide a card registration application program provided in the employee terminal. It is preferable to generate (or extract) a user interface of, and provide the generated (or extracted) user interface to the employee terminal through the interface unit 705.

According to another embodiment of the present invention, when the card registration terminal 765 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface providing unit 710 is a browser provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided by a program and / or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 705.

According to another exemplary embodiment of the present invention, when the card registration terminal 765 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 710 is a browser provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided by a program and / or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 705.

The information receiving unit 715 inputs (or selects) predetermined card registration application information from the card registration terminal 765 through the user interface and transmits the information through the network means. The card registration request information is received, and the received card registration request information is provided to the validity authentication unit 720.

According to an embodiment of the present invention, the card registration application information includes customer information of the card registration customer and at least one or more kinds of card attribute information for setting card attributes for the affiliated card.

Here, the customer information is personal information of the card registered customer (for example, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.), and the customer has subscribed to the affiliate server 700. It is preferable to include at least one member information (eg, member ID information).

Further, the card attribute information for the affiliate card may be assigned to a credit card attribute, a check card attribute, a debit card attribute, a cash card attribute, or a prepaid card attribute. It is preferable to include at least one or more attribute setting information to be provided.

For example, when assigning a credit card attribute to the affiliate card, the card attribute information may include credit inquiry consent information for issuing the affiliate card, and assigns a check card / debit card / cash card attribute to the affiliate card. In the case of granting, the card attribute information may include customer account information associated with the affiliate card. When the prepaid card attribute is assigned to the affiliate card, the card attribute information may be set to the affiliate card. It may include a prepaid card charging information for charging.

According to another embodiment of the present invention, when the card attribute is fixed by the card issuing affiliate (or card issuing authority) or is set in a policy, the card attribute information may be omitted, thereby limiting the present invention. Not.

The validity authentication unit 720 checks the validity of issuing the alliance card to the customer based on the customer information included in the received card registration application information.

According to the implementation method of the present invention, the validity confirmation for issuing the alliance card to the customer, based on the customer name and resident registration number included in the customer information, a predetermined real name verification server (not shown) It is preferable to include a) to confirm the real name of the customer in conjunction with).

In addition, when the affiliated card includes a credit card attribute, the validity check for issuing the affiliated card to the customer is based on a predetermined communication means based on the customer information. It is preferable to include the check the credit information of the customer in conjunction with).

In addition, when the affiliate card includes a check card / debit card attribute, the validity check for issuing the affiliate card to the customer is performed based on the customer information. It is preferable that the customer account linked to the debit card is linked to a financial institution server (not shown) that is opened to check whether the customer account is opened and normally operated.

The card number assignment unit 730 may assign a predetermined rental card number to be assigned to the affiliated card from the rental card number D / B 750 based on the card registration application information received through the information receiving unit 715. Check and generate (or extract) a predetermined affiliate card number including the lease card number and assign the card to the affiliate card. In response, the information transceiver 725 is assigned to the affiliate card number. The card number is transferred to the DBMS (or DB server) managing the rental card number D / B (790) provided in the card issuing institution to the rental card number D / B (750) provided in the card issuing affiliated agency; Synchronize the rental card number D / B (790) provided in the card issuing institution.

According to an embodiment of the present invention, when the lease card number D / B 750 is provided with a 16-digit lease card number, the card number allocating unit 730 reads a predetermined lease card number among the lease card numbers. It is preferable to extract by the affiliate card number.

According to another embodiment of the present invention, when the rental card number D / B 750 is provided with a rental card number including a 9-digit serial number of the 16-digit card number, the card number assignment unit 730 is It is preferable to generate a predetermined affiliate card number including a rental card number, a card issuing agency information number, a card type number, and a check digit corresponding to the nine-digit serial number.

If the person having ordinary knowledge in the technical field to which the present invention belongs, if the lease card number follows a card number system other than the 16-digit card number, the lease card number to the affiliated card number according to the card number system Various implementation methods may be inferred, and the present invention is characterized by including all implementation methods inferred.

According to the exemplary embodiment of the present invention, when a predetermined cooperation card number is assigned by the card number assignment unit 730, the information transmission / reception unit 725 is a card company server corresponding to the card issuer through the communication means. And transmits the affiliate card number assigned by the card number assignment unit 730 to the card number assignment unit 730, and a card verification value (or verification code) corresponding to the affiliate card number from the card company server 770 (for example, a visa card). It is preferable to receive the CVV (Card Verification Value), Master Card CVC (Card Validation Code), American Express Card CID (Confidential Identifier Number or Card Identification Number), and the card verification value in the rental card number (Or verification code) or the card number assignment unit 730 is provided with the card verification value (or verification code) generation function, the information transmitting and receiving unit 725 is The function of transmitting and receiving the card verification value (or verification code) for the affiliated card number may be omitted.

When the association card number is generated (or extracted) as described above, the card information generation unit 735 generates predetermined association card information including the association card number.

According to an embodiment of the present invention, the affiliate card information includes at least one affiliate card number, a card verification value (or verification code), the card expiration date (some may be omitted), and card issuer information (or code). It is preferable to make it.

For example, the card number (although some exceptions exist) preferably includes a four-digit card issuing organization number, a two-digit card type number, a nine-digit serial number, and a check digit.

The expiration date information is preferably made to include the period (or expiration date and time) that can be used for the affiliate card, it may be omitted if the expiration date does not exist in the affiliate card, thereby the present invention is not limited .

The card issuing organization information (or code) preferably comprises at least one or more unique numbers (or unique codes) assigned to the card issuing organization (or financial company) that issues the affiliate card to the customer.

When predetermined affiliated card information included in the affiliated card is generated by the card information generating unit 735, the card issuing unit 745 generates an affiliated card including the affiliated card information through a predetermined card registration device. And (or having the affiliate card information included in the affiliate card), the affiliate card is provided (or delivered) to the customer.

If the affiliate card is an MS (Magnetic Stripe) card, the card registration device records the affiliate card information on at least one MS track (eg, track I, track II, track III) included in the affiliate card. In this case, the card information generation unit 735 generates affiliate card information in a data structure recordable in at least one or more MS tracks, and the card issuing unit 745 cooperates with the card registration device. By recording card information in at least one or more MS tracks, a predetermined affiliate card to be issued to the customer is issued.

Alternatively, if the affiliated card is an IC (Integrated Circuit) card, the card registration device comprises a device for recording the affiliated card information in a memory provided in the IC chip of the affiliated card, wherein the card information generation The unit 735 generates the affiliate card information in a file structure operable through a COS (Chip Operating System) provided in the IC chip, and the card issuing unit 745 uses the affiliate card through the card registration device. By recording the information in the memory of the IC chip, a predetermined partnership card to be issued to the customer is issued.

The affiliated card produced as described above is provided to the customer and / or delivered to the customer according to a predetermined card providing procedure, and the customer then uses the affiliated card through the card issuing affiliated agency.

Thereafter, the information storage unit 740 stores the customer information included in the card registration application information received from the customer through the information receiving unit 715, the generated affiliate card information, and card attribute information of the affiliate card. Characterized in that the at least one affiliate card issuance information is stored in the storage medium 755.

Here, the customer information included in the affiliated card issuance information includes personal information of the card registered customer (for example, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.), and the customer It is preferable to include at least one member information (for example, member ID information) subscribed to the affiliate server 700.

In addition, the card attribute information included in the affiliate card issuance information may provide a credit card attribute, a check card attribute, a debit card attribute, a cash card attribute, or prepaid to the affiliate card. At least one attribute setting information for imparting card attributes is preferably included.

For example, when assigning a credit card attribute to the affiliate card, the card attribute information includes various attribute information (eg, credit limit, etc.) for use in payment through a credit card payment system for issuing the affiliate card. When the check card / debit card / cash card attribute is given to the affiliate card, the card attribute information may include customer account information associated with the affiliate card, and the prepaid card attribute is added to the affiliate card. In the case of granting, the card attribute information may include information on the amount of charge charged in the affiliate card.

Those skilled in the art will be able to infer various technical configurations of the card attribute information, so a detailed description thereof will be omitted.

Referring to FIG. 7, the card company server 770 of the card issuing organization connected to the affiliate server 700 through a predetermined communication means receives a predetermined affiliate card number from the affiliate server 700 through the communication means. The information transmitting / receiving unit 775 (or information receiving unit) that receives (or receives the card verification value (or verification code) request information) and the predetermined information from the affiliate server 700 through the information transmitting / receiving unit 775. When receiving an affiliate card number (or when a card verification value (or verification code) is requested), a verification card information generation unit generating a predetermined card verification value (or verification code) corresponding to the affiliate card number ( 780, wherein the information transmitting and receiving unit 775 (or information transmitting means) transmits a card verification value (or verification code) corresponding to the affiliate card number to the affiliate server 700. that It characterized.

Those skilled in the art to which the present invention pertains, the verification card information generation unit 780 is the CVV (Card Verification Value) of the Visa card, CVC (Card Validation Code) of the master card, the American Express card Since you will be familiar with the technical features for generating a card verification value (or verification code) including at least one CID (Confidential Identifier Number or Card Identification Number), a detailed description thereof will be omitted for convenience.

Referring to FIG. 7, the card company server 770 of the card issuing organization connected to the affiliate server 700 through a predetermined communication means is connected to the issued affiliate card from the affiliate server 700 through the communication means. An information transmitting / receiving unit 775 (or information receiving means) for receiving affiliate card issuance information including at least one corresponding customer information, affiliate card information, and card attribute information corresponding to the affiliate card; and the received customer information. And an information storage unit 785 that stores, in the predetermined card information D / B 795, the affiliate card operation information in which the affiliate card information and the card attribute information are linked to the affiliated agency information corresponding to the card issuing affiliated institution. It is characterized by comprising.

Thereafter, the affiliated card management information stored in the card information D / B 795 is used by the card issuing organization to provide a payment service or various additional services in association with at least one affiliated store.

According to one embodiment of the present invention, the card information D / B 795 is preferably provided in a DBMS on a predetermined financial system provided in the card issuing institution (or associated with the card issuing institution). The card information D / B 795 may be a ledger D / B provided in a DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, whereby the present invention is not limited thereto. No.

According to another exemplary embodiment of the present invention, the card information D / B 795 is an online payment system, and / or a WAP-based wireless payment system, and / or an IC chip provided in (or associated with) the card issuer. It is possible to be provided in the DBMS on at least one or more of the base wireless payment system, and / or the tele payment system, whereby the present invention is not limited.

According to another embodiment of the present invention, the card information D / B 795 is an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided (or associated with) the card issuer. It is possible to be provided in the DBMS on at least one banking system of, and / or a TV banking system, whereby the present invention is not limited.

8 is a diagram illustrating a card registration process for issuing an affiliate card through card number rental according to an embodiment of the present invention.

In more detail, in FIG. 8, a predetermined customer creates a predetermined card registration application through a face-to-face card registration interface (for example, the card registration application, employee terminal, and network means) in the card registration system shown in FIG. And submit to the affiliated employee, when the affiliated employee inputs (or selects) card registration application information corresponding to the card registration application through a predetermined card registration terminal 765 and transmits the information to the affiliated server 700. A process of issuing a predetermined affiliate card through the card number lease to the customer based on the card registration application information in the affiliate server 700, and specifically, the rental card number D / which stores the lease card number. When the B 750 is also provided to the card issuing affiliate institution and is also provided to the card issuing institution, the rental card number D / B (7 50 shows an implementation method for registering / issuing the affiliate card by synchronizing with 50).

Those skilled in the art to which the present invention pertains can deduce various implementation methods for issuing the affiliate card for issuance of the affiliate card through lease of the card number by referring to and / or modifying the drawing 8. It will be appreciated that the present invention encompasses all of the inferred implementation methods and is not limited to the implementation method illustrated in FIG.

For example, FIG. 8 illustrates that the affiliate card is produced and provided (or shipped) to the customer, and then the affiliate card issuance information is stored in the storage medium 755. The process of storing the predetermined affiliate card issuance information in the storage medium 755 may be performed before the affiliate card is produced or before the affiliate card is produced (or delivered) to the customer. The present invention is not limited.

Hereinafter, in FIG. 8, the card registration terminal 765 shown in FIG. 7 is referred to as a "terminal" for convenience, and the affiliate server 700 is referred to as a "server" for convenience.

Referring to FIG. 8, in order to issue the affiliated card for issuing the affiliated card through leasing the card number, the customer is prescribed through a face-to-face card registration interface (eg, the card registration application, employee terminal, and network means). When a card registration application (for example, a document having a form for filling in at least one information item for issuance of an affiliate card through lease of the card number) is completed and submitted to an affiliated employee, the terminal is connected by the affiliated employee. The card registration application information corresponding to the card registration application prepared by the customer is input (or selected) through a predetermined user interface (800), and the card registration application information is transmitted to the server through the network means (805). .

According to an embodiment of the present invention, the card registration application information includes customer information of the card registration customer and at least one or more kinds of card attribute information for setting card attributes for the affiliated card.

Here, the customer information is personal information of the card registered customer (for example, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.), and the customer has subscribed to the affiliate server 700. It is preferable to include at least one member information (eg, member ID information).

Further, the card attribute information for the affiliate card may be assigned to a credit card attribute, a check card attribute, a debit card attribute, a cash card attribute, or a prepaid card attribute. It is preferable to include at least one or more attribute setting information to be provided.

For example, when assigning a credit card attribute to the affiliate card, the card attribute information may include credit inquiry consent information for issuing the affiliate card, and assigns a check card / debit card / cash card attribute to the affiliate card. In the case of granting, the card attribute information may include customer account information associated with the affiliate card. When the prepaid card attribute is assigned to the affiliate card, the card attribute information may be set to the affiliate card. It may include a prepaid card charging information for charging.

According to another embodiment of the present invention, when the card attribute is fixed by the card issuing affiliate (or card issuing authority) or is set in a policy, the card attribute information may be omitted, thereby limiting the present invention. Not.

Thereafter, the server receives and reads the card registration request information from the terminal through the network means and issues the affiliated card through leasing the card number to the customer based on the customer information included in the card registration request information. The card registration validity for issuing the affiliate card is checked (810).

According to the implementation method of the present invention, the validity confirmation for issuing the alliance card to the customer, based on the customer name and resident registration number included in the customer information, a predetermined real name verification server (not shown) It is preferable to include a) to confirm the real name of the customer in conjunction with).

In addition, when the affiliated card includes a credit card attribute, the validity check for issuing the affiliated card to the customer is based on a predetermined communication means based on the customer information. It is preferable to include the check the credit information of the customer in conjunction with).

In addition, when the affiliate card includes a check card / debit card attribute, the validity check for issuing the affiliate card to the customer is performed based on the customer information. It is preferable that the customer account associated with the card is formed in connection with a financial institution server (not shown) opened and confirming whether the customer account is opened and normally operated.

If the validity to issue the affiliate card to the customer is not authenticated through the card registration application information (815), the server provides card registration error information to the customer through the card registration interface (820). Stop issuing the affiliate card to the customer.

On the other hand, if the validity for issuing the alliance card to the customer is authenticated through the card registration application information (815), the server extracts the lease card number to be assigned to the alliance card from the lease card number D / B 750. The card number assigned to the affiliated card number and transmitted to the DBMS (or DB server) managing the rental card number D / B 790 provided in the card issuing institution through the communication means. By synchronizing the rental card number D / B (790) provided in the card issuing affiliate institution and the rental card number D / B (790) provided in the card issuing agency (825).

Thereafter, the server transmits the affiliate card number to the card company server 770 that has leased the lease card number through the communication means, and then a verification value (or verification code) corresponding to the affiliate card number to the card company server 770. Request a card verification value (or verification code) corresponding to the affiliate card number from the card company server 770 in response thereto (830), and the affiliate card number and card verification value (or verification code). Predetermined affiliate card information, including the generated information, is generated (835).

Here, the affiliated card information may include a card number (eg, 16-digit card number) corresponding to the affiliated card, the received card verification value (or verification code), expiration date information (some may be omitted), and card issuer information ( Or code).

For example, the card number (although some exceptions exist) preferably includes a four-digit card issuing organization number, a two-digit card type number, a nine-digit serial number, and a check digit.

The expiration date information is preferably made to include the period (or expiration date and time) that can be used for the affiliate card, it may be omitted if the expiration date does not exist in the affiliate card, thereby the present invention is not limited .

The card issuing organization information (or code) preferably comprises at least one or more unique numbers (or unique codes) assigned to the card issuing organization (or financial company) that issues the affiliate card to the customer.

According to an embodiment of the present invention, if the affiliate card is an MS card, the generated affiliate card information preferably includes a data structure recordable on at least one or more MS tracks provided in the MS card.

According to another exemplary embodiment of the present invention, if the affiliate card is an IC card, the generated affiliate card information may include a file structure operable through a chip operating system (COS) provided in the IC chip.

Thereafter, the server generates a predetermined affiliate card with the affiliate card information through a predetermined card registration device and provides (or delivers) the partner card (840).

According to an exemplary embodiment of the present invention, if the affiliate card is an MS card, the card registration apparatus may provide the affiliate card information to at least one or more MS tracks (eg, track I, track II, and track III) included in the affiliate card. It is preferable to include an apparatus for recording.

According to another embodiment of the present invention, if the association card is an IC card, the card registration device preferably includes an apparatus for recording the association card information in a memory provided in the IC chip of the association card.

Thereafter, the server issuing an affiliate card including at least one of customer information included in the card registration application information provided from the customer through the card registration interface, the generated affiliate card information, and card attribute information of the affiliate card. Information is stored in the storage medium 755 (845).

Here, the customer information included in the affiliated card issuance information includes personal information of the card registered customer (for example, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.), and the customer It is preferable to include at least one member information (for example, member ID information) subscribed to the affiliate server 700.

In addition, the card attribute information included in the affiliate card issuance information may be assigned to a credit card attribute, a check card attribute, a debit card attribute, a cash card attribute, or prepaid. At least one attribute setting information for imparting card attributes is preferably included.

For example, when assigning a credit card attribute to the affiliate card, the card attribute information includes various attribute information (eg, credit limit, etc.) for use in payment through a credit card payment system for issuing the affiliate card. When the check card / debit card / cash card attribute is given to the affiliate card, the card attribute information may include customer account information associated with the affiliate card, and the prepaid card attribute is added to the affiliate card. In the case of granting, the card attribute information may include information on the amount of charge charged in the affiliate card.

Those skilled in the art will be able to infer various technical configurations of the card attribute information, so a detailed description thereof will be omitted.

Subsequently, the server issues an at least one affiliate card including at least one customer information, card information, and card attribute information corresponding to the affiliate card to the card company server 770 through the communication means to the card company server 770. In step 850, the card company server 770 stores affiliate card operation information, which further includes the card issuing affiliate information, in the card information D / B 795. (855).

According to one embodiment of the present invention, the card information D / B 795 is preferably provided in a DBMS on a predetermined financial system provided in the card issuing institution (or associated with the card issuing institution). The card information D / B 795 may be a ledger D / B provided in a DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, whereby the present invention is not limited thereto. No.

According to another exemplary embodiment of the present invention, the card information D / B 795 is an online payment system, and / or a WAP-based wireless payment system, and / or an IC chip provided in (or associated with) the card issuer. It is possible to be provided in the DBMS on at least one or more of the base wireless payment system, and / or the tele payment system, whereby the present invention is not limited.

According to another embodiment of the present invention, the card information D / B 795 is an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided (or associated with) the card issuer. It is possible to be provided in the DBMS on at least one banking system of, and / or a TV banking system, whereby the present invention is not limited.

9 is a diagram illustrating a card registration process for issuing an affiliate card through card number rental according to another embodiment of the present invention.

In more detail, FIG. 9 shows a non-face-to-face card registration interface (e.g., client terminal and network means including at least one wired terminal and / or wireless terminal) in a card registration system shown in FIG. When accessing the affiliate server 700 via the card registration application information (or selected) and transmits, the affiliate server 700 rents the card number to the customer based on the card registration application information. As a process for issuing a predetermined affiliate card through the above, specifically, the rental card number D / B 750 for storing the rental card number is provided in the card issuing affiliate institution, and is also provided in the card issuing institution. The synchronization method of the rental card number D / B 750 illustrates the implementation / registration of the affiliate card.

Those skilled in the art to which the present invention pertains can deduce various implementation methods for issuing the affiliate card for issuance of the affiliate card through the lease of the card number by referring to and / or modifying the drawing 9. However, the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

For example, FIG. 9 illustrates that the affiliated card is produced and provided (or shipped) to the customer, and then the affiliated card issuance information is stored in the storage medium 755. The process of storing the predetermined affiliate card issuance information in the storage medium 755 may be performed before the affiliate card is produced or before the affiliate card is produced (or delivered) to the customer. The present invention is not limited.

Hereinafter, in FIG. 9, the card registration terminal 765 shown in FIG. 7 is called "terminal" for convenience, and the affiliate server 700 is called "server" for convenience.

Referring to FIG. 9, the customer connects the communication channel for card registration application by accessing the server through a predetermined terminal, and the affiliate card for issuing an affiliate card through leasing the card number through the communication channel. In operation 900, the server generates (or extracts) a user interface for issuing the affiliate card and provides the terminal to the terminal through the communication channel (905).

Thereafter, the terminal receives (or selects) the card registration request information through the user interface and transmits the card registration request information (or selected) to the server through the communication channel (910).

According to an embodiment of the present invention, the card registration application information includes customer information of the card registration customer and at least one or more kinds of card attribute information for setting card attributes for the affiliated card.

Here, the customer information is personal information of the card registered customer (for example, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.), and the customer has subscribed to the affiliate server 700. It is preferable to include at least one member information (eg, member ID information).

Further, the card attribute information for the affiliate card may be assigned to a credit card attribute, a check card attribute, a debit card attribute, a cash card attribute, or a prepaid card attribute. It is preferable to include at least one or more attribute setting information to be provided.

For example, when assigning a credit card attribute to the affiliate card, the card attribute information may include credit inquiry consent information for issuing the affiliate card, and assigns a check card / debit card / cash card attribute to the affiliate card. In the case of granting, the card attribute information may include customer account information associated with the affiliate card. When the prepaid card attribute is assigned to the affiliate card, the card attribute information may be set to the affiliate card. It may include a prepaid card charging information for charging.

According to another embodiment of the present invention, when the card attribute is fixed by the card issuing affiliate (or card issuing authority) or is set in a policy, the card attribute information may be omitted, thereby limiting the present invention. Not.

Thereafter, the server receives and reads the card registration request information from the terminal through the network means and issues the affiliated card through leasing the card number to the customer based on the customer information included in the card registration request information. The card registration validity for issuing the affiliate card is checked (915).

According to the implementation method of the present invention, the validity confirmation for issuing the alliance card to the customer, based on the customer name and resident registration number included in the customer information, a predetermined real name verification server (not shown) It is preferable to include a) to confirm the real name of the customer in conjunction with).

In addition, when the affiliated card includes a credit card attribute, the validity check for issuing the affiliated card to the customer is based on a predetermined communication means based on the customer information. ), It is desirable to include verifying the credit information of the customer.

In addition, when the affiliate card includes a check card / debit card attribute, the validity check for issuing the affiliate card to the customer is performed based on the customer information. It is preferable that the customer account associated with the card is formed in connection with a financial institution server (not shown) opened and confirming whether the customer account is opened and normally operated.

If the validity to issue the affiliate card to the customer is not authenticated through the card registration application information (920), the server provides card registration error information to the customer through the card registration interface (925). Stop issuing the affiliate card to the customer.

On the other hand, if the validity for issuing the affiliate card to the customer is authenticated through the card registration application information (920), the server extracts the rental card number to be assigned to the affiliate card from the lease card number D / B (750). The card number assigned to the affiliated card number and transmitted to the DBMS (or DB server) managing the rental card number D / B 790 provided in the card issuing institution through the communication means. By synchronizing the rental card number D / B (790) provided in the card issuing affiliate institution and the rental card number D / B (790) provided in the card issuing agency (930).

Thereafter, the server transmits the affiliate card number to the card company server 770 that has leased the lease card number through the communication means, and then a verification value (or verification code) corresponding to the affiliate card number to the card company server 770. Request a card verification value (or verification code) corresponding to the affiliate card number from the card company server 770 in response thereto (935), and the affiliate card number and card verification value (or verification code). Predetermined affiliate card information is generated (step 940).

Here, the affiliated card information may include a card number (eg, 16-digit card number) corresponding to the affiliated card, the received card verification value (or verification code), expiration date information (some may be omitted), and card issuer information ( Or code).

For example, the card number (although some exceptions exist) preferably includes a four-digit card issuing organization number, a two-digit card type number, a nine-digit serial number, and a check digit.

The expiration date information is preferably made to include the period (or expiration date and time) that can be used for the affiliate card, it may be omitted if the expiration date does not exist in the affiliate card, thereby the present invention is not limited .

The card issuing organization information (or code) preferably comprises at least one or more unique numbers (or unique codes) assigned to the card issuing organization (or financial company) that issues the affiliate card to the customer.

According to an embodiment of the present invention, if the affiliate card is an MS card, the generated affiliate card information preferably includes a data structure recordable on at least one or more MS tracks provided in the MS card.

According to another exemplary embodiment of the present invention, if the affiliate card is an IC card, the generated affiliate card information may include a file structure operable through a chip operating system (COS) provided in the IC chip.

Thereafter, the server prepares a predetermined affiliate card with the affiliate card information through a predetermined card registration device and provides (or delivers) it to the customer (945).

According to an exemplary embodiment of the present invention, if the affiliate card is an MS card, the card registration apparatus may provide the affiliate card information to at least one or more MS tracks (eg, track I, track II, and track III) included in the affiliate card. It is preferable to include an apparatus for recording.

According to another embodiment of the present invention, if the association card is an IC card, the card registration device preferably includes an apparatus for recording the association card information in a memory provided in the IC chip of the association card.

Thereafter, the server issuing an affiliate card including at least one of customer information included in the card registration application information provided from the customer through the card registration interface, the generated affiliate card information, and card attribute information of the affiliate card. Information is stored in the storage medium 755 (950).

Here, the customer information included in the affiliated card issuance information includes personal information of the card registered customer (for example, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.), and the customer It is preferable to include at least one member information (for example, member ID information) subscribed to the affiliate server 700.

In addition, the card attribute information included in the affiliate card issuance information may be assigned to a credit card attribute, a check card attribute, a debit card attribute, a cash card attribute, or prepaid. At least one attribute setting information for imparting card attributes is preferably included.

For example, when assigning a credit card attribute to the affiliate card, the card attribute information includes various attribute information (eg, credit limit, etc.) for use in payment through a credit card payment system for issuing the affiliate card. When the check card / debit card / cash card attribute is given to the affiliate card, the card attribute information may include customer account information associated with the affiliate card, and the prepaid card attribute is added to the affiliate card. In the case of granting, the card attribute information may include information on the amount of charge charged in the affiliate card.

Those skilled in the art will be able to infer various technical configurations of the card attribute information, so a detailed description thereof will be omitted.

Subsequently, the server issues an at least one affiliate card including at least one customer information, card information, and card attribute information corresponding to the affiliate card to the card company server 770 through the communication means to the card company server 770. In operation 955, the card company server 770 stores affiliate card operation information, which further includes the card issuing affiliate information, in the card information D / B 795. 960).

According to one embodiment of the present invention, the card information D / B 795 is preferably provided in a DBMS on a predetermined financial system provided in the card issuing institution (or associated with the card issuing institution). The card information D / B 795 may be a ledger D / B provided in a DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, whereby the present invention is not limited thereto. No.

According to another exemplary embodiment of the present invention, the card information D / B 795 is an online payment system, and / or a WAP-based wireless payment system, and / or an IC chip provided in (or associated with) the card issuer. It is possible to be provided in the DBMS on at least one or more of the base wireless payment system, and / or the tele payment system, whereby the present invention is not limited.

According to another embodiment of the present invention, the card information D / B 795 is an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided (or associated with) the card issuer. It is possible to be provided in the DBMS on at least one banking system of, and / or a TV banking system, whereby the present invention is not limited.

FIG. 10 is a diagram illustrating a card registration system for issuing an affiliate card in the form of a card applet (or IC chip storage information) through collective leasing of card numbers according to an exemplary embodiment of the present invention.

In more detail, Figure 10 shows a customer who owns a wireless terminal equipped with a predetermined wireless IC chip (e.g., a financial IC chip or a Universal Subscriber Identity Module (USIM)) through a predetermined card registration interface. When the card registration application information for issuing an affiliate card through lease of a predetermined card number is provided, the card issuing agency provides wireless to the customer based on the provided card registration application information to the customer wireless terminal 1075. System configuration for issuing an affiliate card in the form of a card applet (or IC chip storage information) with an IC chip. Specifically, a rental card number D / B 1055 for storing the rental card number is provided to the card issuing affiliate. It shows the implementation method provided.

Those skilled in the art to which the present invention pertains, various implementation methods (for example, the lease) for the configuration of a card registration system for issuing an affiliated card through the lease of the card number by referring to and / or modifying the figure 10 The rental card number D / B 1055 for storing a card number may be provided in the card issuing institution, or an implementation method of synchronizing the rental card number D / B 1055 may be inferred. It includes all the implementation methods inferred, and is not limited to the implementation method shown in FIG.

Hereinafter, a card applet is formed using a wireless IC chip provided in the customer wireless terminal 1075 based on the card registration application information provided from the customer through a predetermined card registration interface on the card registration system shown in FIG. Or at least one means for issuing an affiliate card in the form of IC chip storage information) and / or a component corresponding to a functional configuration is referred to as “affiliate server 1000” for convenience, and the card issuing machine provided with the affiliate server 1000 is provided. The affiliated agency preferably includes at least one of a mobile telecommunication company, various wireless telecommunication companies, various wired telecommunication companies, a portal company, and the like, allied with the card issuing organization.

Referring to FIG. 10 according to an embodiment of the present invention, a card registration system for issuing an affiliate card through leasing the card number may be an employee terminal used by an affiliated employee provided in at least one card issuer (or financial institution). And / or a client terminal including at least one wired terminal and / or a wireless terminal used by the customer when the card registration system supports a non-face-to-face card registration application. The employee terminal and / or the client terminal is connected to the communication channel and the affiliate server 1000 provided in the card issuing affiliate institution through a predetermined network means.

According to one embodiment of the present invention, the customer visits the card issuing agency to issue an affiliate card through the card number leasing and through the window provided at the card issuing institution (or through an affiliated employee). Fill out a predetermined card registration application for issuing an affiliate card through lease (e.g., a document with a form for filling in at least one item of information for issuing an affiliate card through lease of the card number) and / or the affiliate employee Visit the customer and have the customer fill out a predetermined card registration application for issuing an affiliate card through leasing the card number), and submit the completed card registration application to the affiliated employee. Enter (or select) the information entered on the card registration application through the employee's terminal In addition, the employee terminal preferably transmits the input (or selected) information to the affiliate server 1000 provided in the card issuing affiliate institution through the network means.

Here, preferably, the employee terminal includes an employee terminal used by an affiliated employee provided in the card issuing institution, and the affiliate server 1000 connected to the employee terminal is the card issuing institution (or financial institution, or the And a server provided on a card issuing agency affiliated with a card issuing institution, wherein the network means for connecting the employee terminal and the affiliate server 1000 is connected between the employee terminal and the affiliate server 1000. It is preferable to include a communication network connecting the communication channel.

In the card registration system as described above, the card registration application created by the customer, the employee terminal used by the affiliated employee and the financial network connecting the employee terminal and the affiliated server 1000, the customer rents the card number. It performs a function of a card registration interface for registering card registration application information for issuing an affiliate card through.

According to another exemplary embodiment of the present invention, when the card registration system supports a non-face-to-face card registration application, the customer is selected from a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network. Access the affiliate server 1000 through at least one client terminal, and input card registration application information for issuing an affiliate card through lease of the card number through at least one user interface provided by the affiliate server 1000. (Or optional), the client terminal preferably transmits through the predetermined network means to the affiliate server 1000 provided in the card issuing affiliate institution.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices connected to a TCP / IP based communication network, and a desktop computer and / or a notebook connected to the TCP / IP based communication network. (Notebook) or a home appliance terminal (eg, Set-Top-Box) connected to the TCP / IP based communication network, or a kiosk (KIOSK) connected to the TCP / IP based communication network, etc. It is preferable.

In addition, the wireless terminal connected to the wireless communication network is all terminal devices connected to a code division multiple access (CDMA) based mobile communication network, and / or all terminal devices connected to a high speed downlink packet access (HSDPA) based wireless communication network, and / Or all terminal devices connected to the IEEE 802.16x based mobile Internet, and / or all terminal devices connected to Motorola's DataTAC method and / or Erricson's Mobitex type wireless data communication network, and are personal communications connected to the CDMA based mobile communication network. Terminal (Personal Communication System; PCS) and / or Global System for Mobile communications (GSM) terminals and / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or personal information terminals (Personal Digital Assistant; PDA) and / or Smart Phone and / or Telematics, or HSDPA (High Speed Dow) and at least one wireless communication terminal connected to an nlink packet access) based wireless communication network, a portable internet terminal connected to the IEEE 802.16x based portable internet, or a wireless data communication terminal connected to the DataTAC / Mobitex based wireless data communication network. It is preferable to make.

The client terminal may output at least one user interface provided by the affiliate server 1000, input and / or select at least one information through the user interface, and transmit the same to the affiliate server 1000. It is preferable that a function configuration (for example, a browser program and a communication function, or a predetermined communication program and communication function to communicate with the affiliated server 1000, etc.) is provided.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the client terminal corresponding to at least one or more wired and / or wireless terminals, and thus a detailed description thereof will be omitted for convenience. .

In the card registration system as described above, a client terminal including at least one wired terminal and / or a wireless terminal used by the customer, at least one wired communication network connecting the client terminal and the affiliate server 1000 and / or Alternatively, the wireless communication network performs a function of a card registration interface for registering the card registration application information for the customer to issue an affiliated card through leasing the card number.

According to another exemplary embodiment of the present invention, when the card registration system supports a non-face-to-face card registration application, the card registration terminal 1070 is a predetermined financial network in addition to the employee terminal and / or the client terminal. It further comprises a financial automated machine (not shown) including an automatic teller machine (ATM), a cash dispenser (CD) connected to (for example, a financial common network), and / or a predetermined And a predetermined call terminal (not shown) connected to a wired telephone network such as a Public Switched Telephone Network (PSTN), Voice over IP (VoIP) network, and / or a mobile communication network, a wireless VoIP network, A terminal (and / or terminal) provided in at least one or more organizations affiliated with the card issuing organization, and / or further comprising a predetermined call terminal (not shown) connected to the same wireless telephone network. May further include a server) (not shown), whereby the present invention is not limited thereto.

In the case of supporting a non-face-to-face card registration application as described above, when the card registration terminal 1070 is the financial automatic device (not shown), the financial automatic device (not shown) and the financial automatic device ( (Not shown) and a financial network connecting the affiliate server 1000 performs a function of a card registration interface for registering the card registration application information for the customer to issue an affiliate card through leasing the card number, and / or When the card registration terminal 1070 is the call terminal (not shown), a wired telephone network and / or a wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the affiliated server 1000. The customer performs a function of a card registration interface for registering the card registration application information for issuing an affiliate card through the card number rental, and / or the car When the registration terminal 1070 is a terminal (and / or server) (not shown) provided in an institution affiliated with the card issuing authority, the terminal (and / or server) (not shown) and the terminal (and / or Server (not shown) and the network connecting the affiliate server 1000 performs a function of a card registration interface for the customer to register the card registration application information for issuing an affiliate card through the lease of the card number.

According to an embodiment of the present invention, the lease card number D / B 1055 provided to the card issuing affiliate institution is leased so that the card issuing agency is allocated to at least one affiliate card registered through the card issuing affiliate institution. It is preferable to include at least one or more card number, it is preferable to further comprise the card issuing institution information that leased the lease card number.

Here, the rental card number, including all 16-digit card number, or the nine-digit serial number of the 16-digit card number (for example, the first four digits corresponding to the card issuing agency number and corresponding to the card type number) The next 2 digits and the remaining 9 digit serial number except the last 1 digit corresponding to the check digit), preferably including a predetermined number area, and according to the intention of the person skilled in the art In addition, it may include a rental card number that follows the other card number system.

In addition, the card issuing agency information is information for identifying at least one or more card issuing institutions that have leased the lease card number to the card issuing affiliate, and issuing at least one or more card numbers to the card issuing affiliate. If there is only one engine, it is possible to omit it and thereby the present invention is not limited.

The storage medium 1060 provided in the card issuing affiliate institution issues a predetermined alliance card to the customer based on the card registration application information provided from the card registration terminal 1070, and then issues the affiliated card issuance. And affiliation card issuance information including at least one of customer information, affiliate card information, and card attribute information. It is used to provide affiliate card related services through number rental.

According to another exemplary embodiment of the present invention, the storage medium 1060 may be connected to a predetermined DBMS interoperating with a server (or device) that performs a predetermined information processing function using the affiliated card issuing information in the card issuing affiliated institution. Preferably, the storage medium 1060 may be provided at various locations according to the intention of those skilled in the art, and the present invention is not limited thereto.

The affiliate server 1000 provided in the card issuing affiliate institution is a generic term for the card issuing affiliate institution side components connected to the card registration terminal 1070 through a predetermined network means, and includes at least one server (or an apparatus). ) And / or at least one program recorded on a recording medium provided in a predetermined server (or device), and the present invention is not limited thereto.

According to an embodiment of the present invention, the affiliate server 1000 is provided with an interface unit 1005 (or interface means) for providing a predetermined card registration interface to the card registration terminal 1070 via the network means. It is characterized by.

According to an embodiment of the present invention, when the card registration terminal 1070 is an employee terminal connected to a predetermined financial network, the interface unit 1005 may be connected to the employee terminal based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one information (or data) using a communication protocol defined in a card registration application program provided in the employee terminal.

According to another embodiment of the present invention, when the card registration terminal 1070 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 1005 uses a protocol stack defined in the wired communication network. It is preferable to provide a communication interface for connecting at least one communication channel with the client terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when a browser program corresponding to a Hyper-Text Transfer Protocol (HTTP) protocol is provided in the client terminal, the interface unit 1005 connects a communication channel with the client terminal based on the TCP / IP protocol. By using the HTPP protocol defined in the browser program, it provides a communication interface for transmitting and receiving web pages (eg, Hyper-Text Markup Language (HTML) compatible web pages) and / or information.

Alternatively, when a predetermined card registration application program provided by the affiliate server 1000 is provided in the client terminal, the interface unit 1005 connects a communication channel with the client terminal based on the TCP / IP protocol. It provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the card registration terminal 1070 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 1005 is a protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal and connecting a predetermined communication channel with the client terminal. .

For example, when the client terminal is equipped with a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol, the interface unit 1005 communicates with the client terminal based on the CDMA protocol. Connect a channel and provide a communication interface for transmitting and receiving web pages (e.g., WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information using the WAP / ME protocol defined in the browser program. do.

Alternatively, when the client terminal is provided with a card registration application program provided by the affiliate server 1000, the interface unit 1005 connects a communication channel with the client terminal based on the CDMA protocol, and the communication program. Provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in.

Referring to FIG. 10, the affiliate server 1000 is linked with the interface unit 1005 when a predetermined card registration terminal 1070 connects to the affiliate server 1000 through the interface unit 1005. Interface providing unit 1010 for generating (or extracting) a predetermined user interface for the card registration terminal 1070 to input (or select) and transmit predetermined card registration application information to the card registration terminal 1070. (Or an interface providing means) and an information receiving unit for receiving predetermined card registration application information transmitted from the card registration terminal 1070 through the user interface (or selected) in association with the interface unit 1005 ( 1015) (or information receiving means) and the validity of checking the validity of issuing the affiliate card to the customer based on the received card registration application information Assign a lease card number from the increase 1020 (or validity authentication means) and at least one lease card number provided in the lease card number D / B 1055 as an affiliate card number for the registered affiliate card. A card number assignment unit 1030 (or card number assignment means), a card information generation unit 1035 (or information generation means) for generating predetermined association card information including the association card number, and the association card. The applet generating unit 1040 (or applet generating means) for generating a predetermined card applet (or IC chip storage information) including information, and the card applet (or IC chip storage information) through a predetermined wireless communication network; A card issuing unit 1050 (or card issuing means) for issuing the alliance card by providing it to the customer wireless terminal 1075 and recording it on a wireless IC chip provided in the customer wireless terminal 1075; And an information storage unit 1045 (or information storage means) for storing the affiliated card issuance information corresponding to the urgent affiliated card in the storage medium 1060.

In addition, after the predetermined affiliate card is issued through the card issuing unit 1050, the affiliate server 1000 may perform a predetermined communication means (for example, a dedicated communication network or a secure communication network based on encrypted communication). A card company server (1080) corresponding to the card issuing organization is characterized in that it comprises an information transmitting and receiving unit 1025 for transmitting the customer information, card information, and card attribute information corresponding to the partnership card.

Further, when a predetermined affiliated card number is assigned by the card number assignment unit 1030, the information transmitting and receiving unit 1025 sends the card to a card company server 1080 corresponding to the card issuing organization through the communication means. The affiliate card number assigned by the number assignment unit 1030 is transmitted, and a card verification value (or verification code) corresponding to the affiliate card number from the card company server 1080 (for example, a CVV (Card Verification) of a visa card. Value), CVC (Card Validation Code) of the master card, CID (Confidential Identifier Number or Card Identification Number) of the American Express card, and the like, and the card verification value (or verification code) in the rental card number ), The function of transmitting and receiving the card verification value (or verification code) for the affiliated card number may be omitted.

The interface providing unit 1010 corresponds to a functional configuration provided in the card registration terminal 1070 when a predetermined card registration terminal 1070 is connected to the affiliate server 1000 through the interface unit 1005. Generate a predetermined user interface capable of inputting (or selecting) the card registration request information to the affiliate server 1000 through the network means, and / or extracting from a predetermined database (not shown), and The card interface terminal 1070 may provide the user interface generated (or extracted) in cooperation with the interface unit 1005 to the card registration terminal 1070 through the network means.

Thereafter, the card registration terminal 1070 inputs (or selects) the card registration application information based on the user interface, and inputs the input (or selected) card registration application information through the network means to the affiliate server ( 1000).

According to an embodiment of the present invention, when the card registration terminal 1070 is an employee terminal connected to a predetermined financial network, the interface providing unit 1010 may provide a card registration application program provided in the employee terminal. It is preferable to generate (or extract) a user interface of the user, and provide the generated (or extracted) user interface to the employee terminal through the interface unit 1005.

According to another exemplary embodiment of the present invention, when the card registration terminal 1070 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface providing unit 1010 is a browser program provided in the client terminal. And / or generate (or extract) a predetermined user interface that can be provided by a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 1005.

According to another embodiment of the present invention, when the card registration terminal 1070 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 1010 is a browser provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided by a program and / or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 1005.

When the information receiving unit 1015 inputs (or selects) predetermined card registration application information through the user interface in the card registration terminal 1070 and transmits it through the network means, the information receiving unit 1015 interworks with the interface unit 1005. The card registration application information is received, and the received card registration application information is provided to the validity authentication unit 1020.

According to an embodiment of the present invention, the card registration application information includes at least one or more card information of the card registration customer, customer wireless terminal 1075 information, and various card attribute information for setting card attributes for the affiliated card. It is made to include.

Here, the customer information is personal information (for example, customer name, social security number, address, wireless terminal information (or mobile phone number), e-mail address, etc.) of the card registered customer, and the customer has subscribed to the affiliate server 1000. It is preferable to include at least one member information (eg, member ID information).

In addition, the customer wireless terminal 1075 information is unique information of the customer wireless terminal 1075 equipped with a wireless IC chip capable of recording a card applet (or IC chip storage information) (for example, a wireless terminal telephone number or address). Information, or identification information, or ID information), and the like, and to a wireless terminal corresponding to the customer wireless terminal 1075 information to issue a predetermined affiliate card through the card number rental. It is preferable that a card applet (or IC chip storage information) corresponding to the affiliated card is provided.

Further, the card attribute information for the affiliate card may be assigned to a credit card attribute, a check card attribute, a debit card attribute, a cash card attribute, or a prepaid card attribute. It is preferable to include at least one or more attribute setting information to be provided.

For example, when assigning a credit card attribute to the affiliate card, the card attribute information may include credit inquiry consent information for issuing the affiliate card, and assigns a check card / debit card / cash card attribute to the affiliate card. In the case of granting, the card attribute information may include customer account information associated with the affiliate card. When the prepaid card attribute is assigned to the affiliate card, the card attribute information may be set to the affiliate card. It may include a prepaid card charging information for charging.

According to another embodiment of the present invention, when the card attribute is fixed by the card issuing affiliate (or card issuing authority) or is set in a policy, the card attribute information may be omitted, thereby limiting the present invention. Not.

The validity authentication unit 1020 checks the validity of issuing the alliance card to the customer based on the customer information and the customer wireless terminal 1075 information included in the received card registration application information. do.

According to the implementation method of the present invention, the validity confirmation for issuing the alliance card to the customer, based on the customer name and resident registration number included in the customer information, a predetermined real name verification server (not shown) It is preferable to include a) to confirm the real name of the customer in conjunction with).

In addition, when the affiliated card includes a credit card attribute, the validity check for issuing the affiliated card to the customer is based on a predetermined communication means based on the customer information. It is preferable to include the check the credit information of the customer in conjunction with).

In addition, when the affiliate card includes a check card / debit card attribute, the validity check for issuing the affiliate card to the customer is performed based on the customer information. It is preferable that the customer account linked to the debit card is linked to a financial institution server (not shown) that is opened to check whether the customer account is opened and normally operated.

In addition, validity confirmation for issuing the alliance card to the customer includes subscriber management means (e.g., subscriber information D / B (not shown) and subscription management server) on a wireless communication network corresponding to the customer wireless terminal 1075 information. Etc.), and confirming that the customer wireless terminal 1075 information is valid.

The card number allocator 1030 may assign a predetermined lease card number to be assigned to the affiliated card from the lease card number D / B 1055 based on the card registration application information received through the information receiving unit 1015. Confirm and generate (or extract) a predetermined affiliate card number including the lease card number and assign it to the affiliate card.

According to an embodiment of the present invention, when the lease card number D / B 1055 is provided with a 16-digit lease card number, the card number allocator 1030 reads a predetermined lease card number among the lease card numbers. It is preferable to extract by the affiliate card number.

According to another embodiment of the present invention, when the rental card number D / B 1055 is provided with a rental card number including a 9-digit serial number of the 16-digit card number, the card number assignment unit 1030 is It is preferable to generate a predetermined affiliate card number including a rental card number, a card issuing agency information number, a card type number, and a check digit corresponding to the nine-digit serial number.

If the person having ordinary knowledge in the technical field to which the present invention belongs, if the lease card number follows a card number system other than the 16-digit card number, the lease card number to the affiliated card number according to the card number system Various implementation methods may be inferred, and the present invention is characterized by including all implementation methods inferred.

According to the method of the present invention, when a predetermined cooperation card number is assigned by the card number assignment unit 1030, the information transmitting and receiving unit 1025 is a card company server corresponding to the card issuing organization through the communication means ( And transmits the affiliate card number assigned by the card number assignment unit 1030, and a card verification value (or verification code) corresponding to the affiliate card number from the card company server 1080 (e.g., a visa card). It is preferable to receive the CVV (Card Verification Value), Master Card CVC (Card Validation Code), American Express Card CID (Confidential Identifier Number or Card Identification Number), and the card verification value in the rental card number (Or verification code) or when the card number assignment unit 1030 is provided with the card verification value (or verification code) generation function, the information transmitting and receiving unit 1025 The ability to transmit and receive a card verification value (or validation code) for the affiliated card number, but may be omitted.

When the association card number is generated (or extracted) as described above, the card information generation unit 1035 may generate predetermined association card information including the association card number.

According to an embodiment of the present invention, the affiliate card information includes at least one affiliate card number, a card verification value (or verification code), the card expiration date (some may be omitted), and card issuer information (or code). It is preferable to make it.

For example, the card number (although some exceptions exist) preferably includes a four-digit card issuing organization number, a two-digit card type number, a nine-digit serial number, and a check digit.

The expiration date information is preferably made to include the period (or expiration date and time) that can be used for the affiliate card, it may be omitted if the expiration date does not exist in the affiliate card, thereby the present invention is not limited .

The card issuing organization information (or code) preferably comprises at least one or more unique numbers (or unique codes) assigned to the card issuing organization (or financial company) that issues the affiliate card to the customer.

When predetermined affiliated card information included in the affiliated card is generated by the card information generating unit 1035, the applet generating unit 1040 stores a predetermined card applet (or IC chip storage information) including the associated card information. The card applet (or IC chip storage information) can be recorded on a wireless IC chip provided in the customer wireless terminal 1075 and operated on a COS (Chip Operating System) on the wireless IC chip. It is preferable to include a file structure.

When the card applet (or IC chip storage information) is generated by the applet generating unit 1040, the card issuing unit 1050 may transmit the customer wireless terminal through a wireless communication network corresponding to the customer wireless terminal 1075 information. By transmitting the card applet (or IC chip storage information) to the 1075, the customer wireless terminal 1075 to record the card applet (or IC chip storage information) to the wireless IC chip provided in the wireless terminal It is characterized in that the cooperation card is issued to the customer.

Thereafter, the information storage unit 1045 stores the customer information included in the card registration application information received from the customer through the information receiving unit 1015, the generated affiliate card information, and card attribute information of the affiliate card. Characterized in that the at least one affiliate card issuance information is stored in the storage medium 1060.

Here, the customer information included in the affiliated card issuance information includes personal information of the card registered customer (for example, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.), and the customer At least one member information (for example, member ID information) subscribed to the affiliate server 1000 may be included.

In addition, the card attribute information included in the affiliate card issuance information may be assigned to a credit card attribute, a check card attribute, a debit card attribute, a cash card attribute, or prepaid. At least one attribute setting information for imparting card attributes is preferably included.

For example, when assigning a credit card attribute to the affiliate card, the card attribute information includes various attribute information (eg, credit limit, etc.) for use in payment through a credit card payment system for issuing the affiliate card. When the check card / debit card / cash card attribute is given to the affiliate card, the card attribute information may include customer account information associated with the affiliate card, and the prepaid card attribute is added to the affiliate card. In the case of granting, the card attribute information may include information on the amount of charge charged in the affiliate card.

Those skilled in the art will be able to infer various technical configurations of the card attribute information, so a detailed description thereof will be omitted.

Referring to FIG. 10, the card company server 1080 of the card issuing organization connected to the affiliate server 1000 through a predetermined communication means receives a predetermined affiliate card number from the affiliate server 1000 through the communication means. An information transmitting / receiving unit 1085 (or an information receiving unit) that receives (or receives a card verification value (or verification code) request information) and the predetermined information from the affiliate server 1000 through the information transmitting / receiving unit 1085. When receiving an affiliate card number (or when a card verification value (or verification code) is requested), a verification card information generation unit 1090 for generating a predetermined card verification value (or verification code) corresponding to the affiliate card number. And the information transmitting and receiving unit 1085 (or information transmitting means) transmits a card verification value (or verification code) corresponding to the affiliate card number to the affiliate server 1000. And that is characterized.

Those skilled in the art to which the present invention belongs, the verification card information generation unit 1090 is the CVV (Card Verification Value) of the visa card, CVC (Card Validation Code) of the master card, American Express card of Since you will be familiar with the technical features for generating a card verification value (or verification code) including at least one CID (Confidential Identifier Number or Card Identification Number), a detailed description thereof will be omitted for convenience.

Referring to FIG. 10, a card company server 1080 of a card issuing organization connected to the affiliate server 1000 through a predetermined communication means is connected to the issued affiliate card from the affiliate server 1000 through the communication means. An information sending / receiving unit 1085 (or information receiving means) for receiving affiliate card issuance information including at least one corresponding customer information, affiliate card information, and card attribute information corresponding to the affiliate card; and the received customer information. And an information storage unit 1095 for storing, in the predetermined card information D / B 1097, the affiliate card operation information in which the affiliate card information and the card attribute information are linked to the affiliated agency information corresponding to the card issuing affiliated institution. Characterized in that made.

Thereafter, the affiliated card operation information stored in the card information D / B 1097 is used by the card issuing institution to provide a payment service or various additional services in association with at least one affiliated store.

According to one embodiment of the present invention, the card information D / B 1097 is preferably provided in a DBMS on a predetermined financial system provided in the card issuing institution (or associated with the card issuing institution). The card information D / B 1097 may be a ledger D / B provided in a DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, thereby limiting the present invention. Not.

According to another exemplary embodiment of the present invention, the card information D / B 1097 may include an online payment system, and / or a WAP-based wireless payment system, and / or an IC chip provided in (or associated with) the card issuer. It is possible to be provided in the DBMS on at least one or more of the base wireless payment system, and / or the tele payment system, whereby the present invention is not limited.

According to another embodiment of the present invention, the card information D / B 1097 is an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided (or associated with) the card issuing organization. It is possible to be provided in the DBMS on at least one banking system of, and / or a TV banking system, whereby the present invention is not limited.

11 is a diagram illustrating a card registration process for issuing an affiliate card through card number rental according to an embodiment of the present invention.

In more detail, in FIG. 11, in the card registration system shown in FIG. 10, a predetermined customer creates a predetermined card registration application through a face-to-face card registration interface (for example, the card registration application, an employee terminal, and a network means). And submit to the affiliated employee, the affiliated employee inputs (or selects) card registration application information corresponding to the card registration application through a predetermined card registration terminal 1070 and transmits it to the affiliated server 1000. The process of issuing a predetermined affiliate card through the lease of the card number to the customer based on the card registration application information in the affiliate server 1000, and specifically, the lease card number D / which stores the lease card number. B (1055) shows an implementation method provided in the card issuing affiliated institution.

Those of ordinary skill in the art to which the present invention pertains can refer to various drawings and / or modifications of FIG. 11 to infer various implementation methods for issuing the affiliate card for issuance of the affiliate card through lease of the card number. However, the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

For example, FIG. 11 illustrates that the affiliate card is produced and provided (or shipped) to the customer, and then the affiliate card issuance information is stored in the storage medium 1060. The process of storing the predetermined affiliate card issuance information in the storage medium 1060 may be performed before the affiliate card is produced or before the affiliate card is produced (or delivered) to the customer. The present invention is not limited.

Hereinafter, in FIG. 11, the card registration terminal 1070 shown in FIG. 10 is referred to as a "terminal" for convenience, and the affiliate server 1000 is referred to as a "server" for convenience.

Referring to FIG. 11, in order to issue the affiliated card for issuing the affiliated card through lease of the card number, the customer is determined through a face-to-face card registration interface (for example, the card registration application, employee terminal, and network means). When a card registration application (for example, a document having a form for filling in at least one information item for issuance of an affiliate card through lease of the card number) is completed and submitted to an affiliated employee, the terminal is connected by the affiliated employee. The card registration application information corresponding to the card registration application prepared by the customer is input (or selected) through a predetermined user interface (1100), and the card registration application information is transmitted to the server through the network means (1105). .

According to an embodiment of the present invention, the card registration application information includes customer information of the card registration customer and at least one or more kinds of card attribute information for setting card attributes for the affiliated card.

Here, the customer information is personal information (for example, customer name, social security number, address, wireless terminal information (or mobile phone number), e-mail address, etc.) of the card registered customer, and the customer has subscribed to the affiliate server 1000. It is preferable to include at least one member information (eg, member ID information).

In addition, the customer wireless terminal 1075 information is unique information of the customer wireless terminal 1075 equipped with a wireless IC chip capable of recording a card applet (or IC chip storage information) (for example, a wireless terminal telephone number or address). Information, or identification information, or ID information), and the like, and to a wireless terminal corresponding to the customer wireless terminal 1075 information to issue a predetermined affiliate card through the card number rental. It is preferable that a card applet (or IC chip storage information) corresponding to the affiliated card is provided.

Further, the card attribute information for the affiliate card may be assigned to a credit card attribute, a check card attribute, a debit card attribute, a cash card attribute, or a prepaid card attribute. It is preferable to include at least one or more attribute setting information to be provided.

For example, when assigning a credit card attribute to the affiliate card, the card attribute information may include credit inquiry consent information for issuing the affiliate card, and assigns a check card / debit card / cash card attribute to the affiliate card. In the case of granting, the card attribute information may include customer account information associated with the affiliate card. When the prepaid card attribute is assigned to the affiliate card, the card attribute information is a predetermined amount to the affiliate card. It may be made by including prepaid card charging information for charging.

According to another embodiment of the present invention, when the card attribute is fixed by the card issuing affiliate (or card issuing authority) or is set in a policy, the card attribute information may be omitted, thereby limiting the present invention. Not.

Thereafter, the server receives and reads the card registration request information from the terminal through the network means and issues the affiliated card through leasing the card number to the customer based on the customer information included in the card registration request information. The card registration validity for issuing the affiliate card is checked (1110).

According to the implementation method of the present invention, the validity confirmation for issuing the alliance card to the customer, based on the customer name and resident registration number included in the customer information, a predetermined real name verification server (not shown) It is preferable to include a) to confirm the real name of the customer in conjunction with).

In addition, when the affiliated card includes a credit card attribute, the validity check for issuing the affiliated card to the customer is based on a predetermined communication means based on the customer information. It is preferable to include the check the credit information of the customer in conjunction with).

In addition, when the affiliate card includes a check card / debit card attribute, the validity check for issuing the affiliate card to the customer is performed based on the customer information. It is preferable that the customer account associated with the card is formed in connection with a financial institution server (not shown) opened and confirming whether the customer account is opened and normally operated.

In addition, validity confirmation for issuing the alliance card to the customer includes subscriber management means (e.g., subscriber information D / B (not shown) and subscription management server) on a wireless communication network corresponding to the customer wireless terminal 1075 information. Etc.), and confirming that the customer wireless terminal 1075 information is valid.

If the validity to issue the affiliate card to the customer is not authenticated through the card registration application information (1115), the server provides card registration error information to the customer through the card registration interface (1120). Stop issuing the affiliate card to the customer.

On the other hand, if the validity to issue the affiliate card to the customer is authenticated through the card registration application information (1115), the server extracts the rental card number to be assigned to the affiliate card from the rental card number D / B 1055. And assigns to the affiliate card number (1125).

Thereafter, the server transmits the affiliate card number to the card company server 1080 that has leased the lease card number through the communication means, and then a verification value (or verification code) corresponding to the affiliate card number to the card company server 1080. Request a card verification value (or verification code) corresponding to the affiliate card number from the card company server 1080 (1130), and the affiliate card number and card verification value (or verification code). Predetermined affiliate card information is included (1135).

Here, the affiliated card information may include a card number (eg, 16-digit card number) corresponding to the affiliated card, the received card verification value (or verification code), expiration date information (some may be omitted), and card issuer information ( Or code).

For example, the card number (although some exceptions exist) preferably includes a four-digit card issuing organization number, a two-digit card type number, a nine-digit serial number, and a check digit.

The expiration date information is preferably made to include the period (or expiration date and time) that can be used for the affiliate card, it may be omitted if the expiration date does not exist in the affiliate card, thereby the present invention is not limited .

The card issuing organization information (or code) preferably comprises at least one or more unique numbers (or unique codes) assigned to the card issuing organization (or financial company) that issues the affiliate card to the customer.

Thereafter, the server generates a predetermined card applet (or IC chip storage information) including the generated (or extracted) affiliate card information (1140), and generates the generated card applet (or IC chip storage information). In operation 1145, the wireless communication network 10 transmits the information to the customer wireless terminal 1075 through a wireless communication network corresponding to the customer wireless terminal 1075 information included in the card registration application information.

Here, the card applet (or IC chip storage information) includes a file structure recorded on a wireless IC chip provided in the customer wireless terminal 1075 and operable on a chip operating system (COS) on the wireless IC chip. desirable.

According to the method of the present invention, the server reads the customer wireless terminal 1075 information included in the card registration request information to identify a wireless communication network corresponding to the customer wireless terminal 1075 information, and the wireless communication network and It is preferable to transmit the generated card applet (or IC chip storage information) to the customer wireless terminal 1075 through a predetermined applet providing server 1065 connected.

Those skilled in the art to which the present invention pertains, various methods of transmitting the card applet (or IC chip storage information) from the applet providing server 1065 to the customer wireless terminal 1075 (for example, The card applet (or IC chip storage information) transmission using a wireless message and a callback URL) may be inferred, but the present invention is characterized by including all the inferred implementation methods.

Thereafter, the customer wireless terminal 1075 records the received card applet (or IC chip storage information) on a wireless IC chip provided in the corresponding wireless terminal, thereby cooperatively corresponding to the card applet (or IC chip storage information). The card is issued (1150).

Thereafter, the server issuing an affiliate card including at least one of customer information included in the card registration application information provided from the customer through the card registration interface, the generated affiliate card information, and card attribute information of the affiliate card. Information is stored in the storage medium 1060 (1155).

Here, the customer information included in the affiliated card issuance information may include personal information (for example, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.) of the card registration customer, and the customer. At least one member information (for example, member ID information) subscribed to the affiliate server 1000 may be included.

In addition, the card attribute information included in the affiliate card issuance information may be assigned to a credit card attribute, a check card attribute, a debit card attribute, a cash card attribute, or prepaid. At least one attribute setting information for imparting card attributes is preferably included.

For example, when assigning a credit card attribute to the affiliate card, the card attribute information includes various attribute information (eg, credit limit, etc.) for use in payment through a credit card payment system for issuing the affiliate card. When the check card / debit card / cash card attribute is given to the affiliate card, the card attribute information may include customer account information associated with the affiliate card, and the prepaid card attribute is added to the affiliate card. In the case of granting, the card attribute information may include information on the amount of charge charged in the affiliate card.

Those skilled in the art will be able to infer various technical configurations for the card attribute information, so a detailed description thereof will be omitted.

Thereafter, the server issues an at least one affiliate card that includes at least one of customer information corresponding to the affiliate card, card information, and card attribute information to the card company server 1080 through the communication means. In operation 1160, the card company server 1080 stores the affiliate card operation information, which further includes the card issuing affiliate information, in the card information D / B 1097. 1165).

According to one embodiment of the present invention, the card information D / B 1097 is preferably provided in a DBMS on a predetermined financial system provided in the card issuing institution (or associated with the card issuing institution). The card information D / B 1097 may be a ledger D / B provided in a DBMS on the financial system and / or a predetermined database associated with the ledger D / B, whereby the present invention is not limited thereto. No.

According to another exemplary embodiment of the present invention, the card information D / B 1097 may include an online payment system, and / or a WAP-based wireless payment system, and / or an IC chip provided in (or associated with) the card issuer. It is possible to be provided in the DBMS on at least one or more of the base wireless payment system, and / or the tele payment system, whereby the present invention is not limited.

According to another embodiment of the present invention, the card information D / B 1097 is an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided (or associated with) the card issuing organization. It is possible to be provided in the DBMS on at least one banking system of, and / or a TV banking system, whereby the present invention is not limited.

12 is a diagram illustrating a card registration process for issuing an affiliate card through card number rental according to another embodiment of the present invention.

In more detail, FIG. 12 illustrates a non-face-to-face card registration interface (eg, client terminal and network means including at least one wired terminal and / or wireless terminal) in which a predetermined customer in the card registration system shown in FIG. When accessing the affiliate server 1000 through a predetermined card registration application information (or selected) and transmits, the affiliate server 1000 rents the card number to the customer based on the card registration application information. As a process of issuing a predetermined affiliate card through, specifically, it illustrates a method of implementing a lease card number D / B 1055 for storing the lease card number in the card issuing affiliated institution.

Those skilled in the art to which the present invention pertains can refer to this drawing 12 and / or modified to infer various implementation methods for issuing the affiliate card for issuance of the affiliate card through lease of the card number. However, the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

For example, FIG. 12 illustrates that the affiliate card is produced and provided (or delivered) to the customer, and then the affiliate card issuance information is stored in the storage medium 1060. The process of storing the predetermined affiliate card issuance information in the storage medium 1060 may be performed before the affiliate card is produced or before the affiliate card is produced (or delivered) to the customer. The present invention is not limited.

Hereinafter, in FIG. 12, the card registration terminal 1070 shown in FIG. 10 is referred to as a "terminal" for convenience, and the affiliate server 1000 is referred to as a "server" for convenience.

Referring to FIG. 12, the customer accesses the server through a predetermined terminal to connect a communication channel for card registration application, and the affiliate card for issuing an affiliate card through leasing the card number through the communication channel. The application is issued (1200), and correspondingly, the server generates (or extracts) a user interface for issuing the affiliate card and provides the terminal to the terminal through the communication channel (1205).

Thereafter, the terminal receives (or selects) the card registration request information through the user interface and transmits the input (or selected) card registration request information to the server through the communication channel (1210).

According to an embodiment of the present invention, the card registration application information includes customer information of the card registration customer and at least one or more kinds of card attribute information for setting card attributes for the affiliated card.

Here, the customer information is personal information (for example, customer name, social security number, address, wireless terminal information (or mobile phone number), e-mail address, etc.) of the card registered customer, and the customer has subscribed to the affiliate server 1000. It is preferable to include at least one member information (eg, member ID information).

In addition, the customer wireless terminal 1075 information is unique information of the customer wireless terminal 1075 equipped with a wireless IC chip capable of recording a card applet (or IC chip storage information) (for example, a wireless terminal telephone number or address). Information, or identification information, or ID information), and the like, and to a wireless terminal corresponding to the customer wireless terminal 1075 information to issue a predetermined affiliate card through the card number rental. It is preferable that a card applet (or IC chip storage information) corresponding to the affiliated card is provided.

Further, the card attribute information for the affiliate card may be assigned to a credit card attribute, a check card attribute, a debit card attribute, a cash card attribute, or a prepaid card attribute. It is preferable to include at least one or more attribute setting information to be provided.

For example, when assigning a credit card attribute to the affiliate card, the card attribute information may include credit inquiry consent information for issuing the affiliate card, and assigns a check card / debit card / cash card attribute to the affiliate card. In the case of granting, the card attribute information may include customer account information associated with the affiliate card. When the prepaid card attribute is assigned to the affiliate card, the card attribute information may be set to the affiliate card. It may include a prepaid card charging information for charging.

According to another embodiment of the present invention, when the card attribute is fixed by the card issuing affiliate (or card issuing authority) or is set in a policy, the card attribute information may be omitted, thereby limiting the present invention. Not.

Thereafter, the server receives and reads the card registration request information from the terminal through the network means and issues the affiliated card through leasing the card number to the customer based on customer information included in the card registration request information. The card registration validity for issuing the affiliate card is verified (1215).

According to the implementation method of the present invention, the validity confirmation for issuing the alliance card to the customer, based on the customer name and resident registration number included in the customer information, a predetermined real name verification server (not shown) It is preferable to include a) to confirm the real name of the customer in conjunction with).

In addition, when the affiliated card includes a credit card attribute, the validity check for issuing the affiliated card to the customer is based on a predetermined communication means based on the customer information. It is preferable to include the check the credit information of the customer in conjunction with).

In addition, when the affiliate card includes a check card / debit card attribute, the validity check for issuing the affiliate card to the customer is performed based on the customer information. It is preferable that the customer account associated with the card is formed in connection with a financial institution server (not shown) opened and confirming whether the customer account is opened and normally operated.

In addition, validity confirmation for issuing the alliance card to the customer includes subscriber management means (e.g., subscriber information D / B (not shown) and subscription management server) on a wireless communication network corresponding to the customer wireless terminal 1075 information. Etc.), and confirming that the customer wireless terminal 1075 information is valid.

If the validity to issue the affiliate card to the customer is not authenticated through the card registration application information (1220), the server provides card registration error information to the customer through the card registration interface (1225). Stop issuing the affiliate card to the customer.

On the other hand, if the validity for issuing the alliance card to the customer is authenticated through the card registration application information (1220), the server extracts the lease card number to be assigned to the alliance card from the lease card number D / B 1055. Allocate a cooperative card number (1230).

Thereafter, the server transmits the affiliate card number to the card company server 1080 that has leased the lease card number through the communication means, and then a verification value (or verification code) corresponding to the affiliate card number to the card company server 1080. Request a card verification value (or verification code) corresponding to the affiliate card number from the card company server (1080) (1235), and the affiliate card number and the card verification value (or verification code). Generates a predetermined affiliate card information including (1240).

Here, the affiliated card information may include a card number (eg, 16-digit card number) corresponding to the affiliated card, the received card verification value (or verification code), expiration date information (some may be omitted), and card issuer information ( Or code).

For example, the card number (although some exceptions exist) preferably includes a four-digit card issuing organization number, a two-digit card type number, a nine-digit serial number, and a check digit.

The expiration date information is preferably made to include the period (or expiration date and time) that can be used for the affiliate card, it may be omitted if the expiration date does not exist in the affiliate card, thereby the present invention is not limited .

The card issuing organization information (or code) preferably comprises at least one or more unique numbers (or unique codes) assigned to the card issuing organization (or financial company) that issues the affiliate card to the customer.

Thereafter, the server generates 1245 a predetermined card applet (or IC chip storage information) including the generated (or extracted) affiliate card information, and generates the generated card applet (or IC chip storage information). In operation 1250, the card 200 is transmitted to the customer wireless terminal 1075 through a wireless communication network corresponding to the customer wireless terminal 1075 information included in the card registration application information.

Here, the card applet (or IC chip storage information) includes a file structure recorded on a wireless IC chip provided in the customer wireless terminal 1075 and operable on a chip operating system (COS) on the wireless IC chip. desirable.

According to the method of the present invention, the server reads the customer wireless terminal 1075 information included in the card registration request information to identify a wireless communication network corresponding to the customer wireless terminal 1075 information, and the wireless communication network and It is preferable to transmit the generated card applet (or IC chip storage information) to the customer wireless terminal 1075 through a predetermined applet providing server 1065 connected.

Those skilled in the art to which the present invention pertains, various methods of transmitting the card applet (or IC chip storage information) from the applet providing server 1065 to the customer wireless terminal 1075 (for example, The card applet (or IC chip storage information) transmission using a wireless message and a callback URL) may be inferred, but the present invention is characterized by including all the inferred implementation methods.

Thereafter, the customer wireless terminal 1075 records the received card applet (or IC chip storage information) on a wireless IC chip provided in the corresponding wireless terminal, thereby cooperatively corresponding to the card applet (or IC chip storage information). Issue a card (1255).

Thereafter, the server issuing an affiliate card including at least one of customer information included in the card registration application information provided from the customer through the card registration interface, the generated affiliate card information, and card attribute information of the affiliate card. Information is stored in the storage medium 1060 (1260).

Here, the customer information included in the affiliated card issuance information includes personal information of the card registered customer (for example, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.), and the customer At least one member information (for example, member ID information) subscribed to the affiliate server 1000 may be included.

In addition, the card attribute information included in the affiliate card issuance information may be assigned to a credit card attribute, a check card attribute, a debit card attribute, a cash card attribute, or prepaid. At least one attribute setting information for imparting card attributes is preferably included.

For example, when assigning a credit card attribute to the affiliate card, the card attribute information includes various attribute information (eg, credit limit, etc.) for use in payment through a credit card payment system for issuing the affiliate card. When the check card / debit card / cash card attribute is given to the affiliate card, the card attribute information may include customer account information associated with the affiliate card, and the prepaid card attribute is added to the affiliate card. In the case of granting, the card attribute information may include information on the amount of charge charged in the affiliate card.

Those skilled in the art will be able to infer various technical configurations of the card attribute information, so a detailed description thereof will be omitted.

Thereafter, the server issues an at least one affiliate card that includes at least one of customer information corresponding to the affiliate card, card information, and card attribute information to the card company server 1080 through the communication means. In step 1265, the card company server 1080 stores affiliate card operation information, which further includes the card issuing affiliate information, in the card information D / B 1097. 1270).

According to one embodiment of the present invention, the card information D / B 1097 is preferably provided in a DBMS on a predetermined financial system provided in the card issuing institution (or associated with the card issuing institution). The card information D / B 1097 may be a ledger D / B provided in a DBMS on the financial system and / or a predetermined database associated with the ledger D / B, whereby the present invention is not limited thereto. No.

According to another exemplary embodiment of the present invention, the card information D / B 1097 may include an online payment system, and / or a WAP-based wireless payment system, and / or an IC chip provided in (or associated with) the card issuer. It is possible to be provided in the DBMS on at least one or more of the base wireless payment system, and / or the tele payment system, whereby the present invention is not limited.

According to another embodiment of the present invention, the card information D / B 1097 is an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided (or associated with) the card issuing organization. It is possible to be provided in the DBMS on at least one banking system of, and / or a TV banking system, whereby the present invention is not limited.

FIG. 13 is a diagram illustrating a card registration system for issuing an affiliate card in the form of a card applet (or IC chip storage information) through a batch lease of card numbers according to another embodiment of the present invention.

More specifically, FIG. 13 shows a customer who owns a wireless terminal equipped with a predetermined wireless IC chip (e.g., a financial IC chip or a Universal Subscriber Identity Module (USIM)) through a predetermined card registration interface. When the card registration application information for issuing an affiliate card through lease of a predetermined number of cards is provided, the card issuing agency provides wireless to the customer based on the provided card registration application information to the customer wireless terminal 1370. A system configuration for issuing an affiliate card in the form of a card applet (or IC chip storage information) with an IC chip. Specifically, a lease card number D / B 1395 for storing the lease card number is provided in the card issuing institution. The implementation method is shown.

Those skilled in the art to which the present invention pertains can refer to this drawing 13 and / or modify it to infer various implementation methods for the configuration of a card registration system for issuing an affiliated card through leasing the card number. However, the present invention includes all the implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

Hereinafter, a card applet (or a wireless IC chip provided in the customer wireless terminal 1370 based on the card registration application information provided from the customer through a predetermined card registration interface on the card registration system shown in FIG. 13). At least one means for issuing an affiliate card in the form of IC chip storage information) and / or a component corresponding to a functional configuration is referred to as a "partner company server 1300" for convenience, and the card issuing agent provided with the affiliate server 1300 is provided. The affiliated agency preferably includes at least one of a mobile telecommunication company, various wireless telecommunication companies, various wired telecommunication companies, a portal company, and the like, allied with the card issuing organization.

Referring to FIG. 13 according to an embodiment of the present invention, a card registration system for issuing an affiliate card through leasing the card number may be used by an employee of an affiliated employee provided at at least one card issuer (or financial institution). And / or a client terminal including at least one wired terminal and / or a wireless terminal used by the customer when the card registration system supports a non-face-to-face card registration application. Characterized in that the employee terminal and / or client terminal is connected to the communication channel and the affiliate server 1300 provided in the card issuing affiliate institution through a predetermined network means.

According to one embodiment of the present invention, the customer visits the card issuing agency to issue an affiliate card through the card number leasing and through the window provided at the card issuing institution (or through an affiliated employee). Fill out a predetermined card registration application for issuing an affiliate card through lease (e.g., a document with a form for filling in at least one item of information for issuing an affiliate card through lease of the card number) and / or the affiliate employee Visit the customer and have the customer fill out a predetermined card registration application for issuing an affiliate card through leasing the card number), and submit the completed card registration application to the affiliated employee. Enter (or select) the information entered on the card registration application through the employee's terminal The employee terminal preferably transmits the input (or selected) information to the affiliate server 1300 provided in the card issuing affiliate institution through the network means.

Here, preferably, the employee terminal includes an employee terminal used by an affiliated employee provided in the card issuing institution, and the affiliate server 1300 connected to the employee terminal is the card issuing institution (or financial institution, or the And a server provided on a card issuing agency affiliated with a card issuing agency. The network means for connecting the employee terminal and the affiliate server 1300 is between the employee terminal and the affiliate server 1300. It is preferable to include a communication network connecting the communication channel.

In the card registration system as described above, the card registration application created by the customer, the employee terminal used by the affiliated employee and the financial network connecting the employee terminal and the affiliated server 1300, the customer rents the card number. It performs a function of a card registration interface for registering card registration application information for issuing an affiliate card through.

According to another exemplary embodiment of the present invention, when the card registration system supports a non-face-to-face card registration application, the customer is selected from a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network. Access the affiliate server 1300 through at least one client terminal and input card registration application information for issuing an affiliate card through lease of the card number through at least one user interface provided by the affiliate server 1300. (Or optional), the client terminal preferably transmits through the predetermined network means to the affiliate server 1300 provided in the card issuing affiliate institution.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices connected to a TCP / IP based communication network, and a desktop computer and / or a notebook connected to the TCP / IP based communication network. (Notebook) or a home appliance terminal (eg, Set-Top-Box) connected to the TCP / IP based communication network, or a kiosk (KIOSK) connected to the TCP / IP based communication network, etc. It is preferable.

In addition, the wireless terminal connected to the wireless communication network is all terminal devices connected to a code division multiple access (CDMA) based mobile communication network, and / or all terminal devices connected to a high speed downlink packet access (HSDPA) based wireless communication network, and / Or all terminal devices connected to the IEEE 802.16x based mobile Internet, and / or all terminal devices connected to Motorola's DataTAC method and / or Erricson's Mobitex type wireless data communication network, and are personal communications connected to the CDMA based mobile communication network. Terminal (Personal Communication System; PCS) and / or Global System for Mobile communications (GSM) terminals and / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or personal information terminals (Personal Digital Assistant; PDA) and / or Smart Phone and / or Telematics, or High Speed Do at least one wireless communication terminal connected to a wireless communication network based on a wnlink packet access), a portable internet terminal connected to the IEEE 802.16x based mobile Internet, or a wireless data communication terminal connected to the DataTAC / Mobitex based wireless data communication network. It is preferable to make.

The client terminal may output at least one user interface provided by the affiliate server 1300, input and / or select at least one information through the user interface, and transmit the same to the affiliate server 1300. It is preferable that a function configuration (for example, a browser program and a communication function, or a predetermined communication program and a communication function to communicate with the affiliate server 1300) is provided.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the client terminal corresponding to at least one or more wired and / or wireless terminals, and thus a detailed description thereof will be omitted for convenience. .

In the card registration system as described above, a client terminal including at least one wired terminal and / or a wireless terminal used by the customer, at least one wired communication network connecting the client terminal and the affiliate server 1300 and / or Alternatively, the wireless communication network performs a function of a card registration interface for registering the card registration application information for the customer to issue an affiliated card through leasing the card number.

According to another exemplary embodiment of the present invention, when the card registration system supports a non-face-to-face card registration application, the card registration terminal 1365 may have a predetermined financial network in addition to the employee terminal and / or the client terminal. It further comprises a financial automated machine (not shown) including an automatic teller machine (ATM), a cash dispenser (CD) connected to (for example, a financial common network), and / or a predetermined And a predetermined call terminal (not shown) connected to a wired telephone network such as a Public Switched Telephone Network (PSTN), Voice over IP (VoIP) network, and / or a mobile communication network, a wireless VoIP network, A terminal (and / or terminal) provided in at least one or more organizations affiliated with the card issuing organization, and / or further comprising a predetermined call terminal (not shown) connected to the same wireless telephone network. Server) (which may further include a not illustrated), to which the present invention is not limited.

In the case of supporting the non-face-to-face card registration application as described above, when the card registration terminal 1365 is the financial automatic device (not shown), the financial automatic device (not shown) and the financial automatic device ( (Not shown) and the financial network connecting the affiliate server 1300 performs a function of a card registration interface for registering the card registration application information for the customer to issue an affiliate card through leasing the card number, and / or When the card registration terminal 1365 is the call terminal (not shown), a wired telephone network and / or a wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the affiliate server 1300. The customer performs a function of a card registration interface for registering the card registration application information for issuing an affiliate card through the card number rental, and / or the car If the registration terminal 1365 is a terminal (and / or server) (not shown) provided in an institution affiliated with the card issuing organization, the terminal (and / or server) (not shown) and the terminal (and / or Server (not shown) and the network connecting the affiliate server 1300 performs a function of a card registration interface for the customer to register the card registration application information for issuing an affiliate card through the lease of the card number.

According to an embodiment of the present invention, the lease card number D / B 1395 provided to the card issuing institution is leased so that the card issuing institution is allocated to at least one or more affiliate cards registered through the card issuing affiliate institution. It is preferable to include at least one card number, it is preferable to further comprise the card issuing affiliate information to lease the lease card number.

Here, the rental card number, including all 16-digit card number, or the nine-digit serial number of the 16-digit card number (for example, the first four digits corresponding to the card issuing agency number and corresponding to the card type number) The next 2 digits and the remaining 9 digit serial number except the last 1 digit corresponding to the check digit), preferably including a predetermined number area, and according to the intention of the person skilled in the art In addition, it may include a rental card number that follows the other card number system.

In addition, the card issuing affiliate information is information for identifying at least one or more card issuing affiliate institutions to lease at least one or more card numbers in the card issuing authority, the card issuing affiliate institution to lease at least one or more card numbers In this case, it is possible to omit and the present invention is not limited thereby.

The storage medium 1355 provided in the card issuing affiliate institution issues a predetermined alliance card to the customer based on the card registration application information provided from the card registration terminal 1365, and then issuing the alliance card issuance. And affiliated card issuance information including at least one of customer information, affiliated card information, and card attribute information. The affiliated card issuance information stored in the storage medium 1355 may be stored in the card issuing agency. It is used to provide affiliate card related services through number rental.

According to another exemplary embodiment of the present invention, the storage medium 1355 may be connected to a predetermined DBMS linked to a server (or device) that performs a predetermined information processing function by using the affiliated card issuing information at the card issuing affiliate. Preferably, the storage medium 1355 may be provided at various locations according to the intention of those skilled in the art, and the present invention is not limited thereto.

The affiliate server 1300 provided in the card issuing affiliate institution is a generic term for the card issuing affiliate institution side components connected to the card registration terminal 1365 through a predetermined network means, and includes at least one server (or an apparatus). ) And / or at least one program recorded on a recording medium provided in a predetermined server (or device), and the present invention is not limited thereto.

According to an embodiment of the present invention, the affiliate server 1300 is provided with an interface unit 1305 (or interface means) for providing a predetermined card registration interface to the card registration terminal 1365 through the network means. It is characterized by.

According to an exemplary embodiment of the present invention, when the card registration terminal 1365 is an employee terminal connected to a predetermined financial network, the interface unit 1305 is based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one information (or data) using a communication protocol defined in a card registration application program provided in the employee terminal.

According to another exemplary embodiment of the present invention, when the card registration terminal 1365 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 1305 uses a protocol stack defined in the wired communication network. It is preferable to provide a communication interface for connecting at least one communication channel with the client terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 1305 connects a communication channel with the client terminal based on the TCP / IP protocol. It provides a communication interface for transmitting and receiving web pages (eg, Hyper-Text Markup Language (HTML) compatible web pages) and / or information using the HTPP protocol defined in the browser program.

Alternatively, when a predetermined card registration application program provided by the affiliate server 1300 is provided in the client terminal, the interface unit 1305 connects a communication channel with the client terminal based on the TCP / IP protocol. It provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the card registration terminal 1365 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 1305 is a protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal and connecting a predetermined communication channel with the client terminal. .

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or a ME (Mobile Explorer) protocol is provided in the client terminal, the interface unit 1305 communicates with the client terminal based on the CDMA protocol. And a communication interface for transmitting and receiving web pages (e.g., WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information using the WAP / ME protocol defined in the browser program. .

Alternatively, when the client terminal is provided with a card registration application program provided by the affiliate server 1300, the interface unit 1305 connects a communication channel with the client terminal based on the CDMA protocol, and the communication program. Provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in.

Referring to FIG. 13, the affiliate server 1300 is linked with the interface unit 1305 when a predetermined card registration terminal 1365 connects to the affiliate server 1300 through the interface unit 1305. The interface providing unit 1310 generates (or extracts) a predetermined user interface for inputting (or selecting) predetermined card registration application information from the card registration terminal 1365 and providing the card registration terminal 1365 to the card registration terminal 1365. (Or an interface providing means) and an information receiving unit for receiving predetermined card registration request information transmitted from the card registration terminal 1365 through the user interface (or selected) in cooperation with the interface unit 1305 ( 1315) (or an information receiving means) and a validity check for checking the validity of issuing the affiliate card to the customer based on the received card registration application information. Accesses the lease card number D / B 1395 provided in the card issuing agency through the increase unit 1320 (or validity authentication means) and the communication means, and selects a predetermined lease card number among at least one lease card number. Card information assignment unit 1330 (or card number assignment means) for acquiring and assigning a predetermined affiliate card number for the registered affiliate card and card information for generating predetermined affiliate card information including the affiliate card number. A generation unit 1335 (or information generation means), an applet generation unit 1340 (or applet generation means) for generating a predetermined card applet (or IC chip storage information) including the association card information; The affiliated card is provided by providing the card applet (or IC chip storage information) to the customer wireless terminal 1370 through a wireless communication network so that the card applet (or IC chip storage information) is recorded on the wireless IC chip provided in the customer wireless terminal 1370. Urgent card issuing unit 1350 (or card issuing means), and the information storage unit 1345 (or information storage) for storing the association card issuance information corresponding to the partnership card issued to the customer in the storage medium 1355 Means).

In addition, after a predetermined affiliate card is issued through the card issuing unit 1350, the affiliate server 1300 performs the predetermined communication means (for example, a dedicated communication network or a secure communication network based on encrypted communication). A card company server 1375 corresponding to a card issuing agency is provided with an information transmitting / receiving unit 1325 for transmitting customer information corresponding to the affiliated card, card information, and card attribute information.

In addition, the information transmitting and receiving unit 1325 is a rental card number D / B (1395) provided in the card issuing authority through the communication means for assigning a predetermined cooperation card number by the card number assignment unit 1330 ) Transmits predetermined card number request information to a DBMS (or DB server) managing the same, and receives a predetermined rental card number and provides the card number allocation unit 1330 to the card number assignment unit 1330 in response thereto. When the number allocating unit 1330 can access the DBMS (or DB server) managing the rental card number D / B 1395 provided in the card issuing institution through the communication means, the information transmitting and receiving unit is the card. Transmission of the number request information can be omitted, and the present invention is not limited thereby.

In addition, when a predetermined cooperation card number is assigned by the card number assignment unit 1330, the information transmitting and receiving unit 1325 may transmit the card to a card company server 1375 corresponding to the card issuer through the communication means. The affiliate card number assigned by the number assignment unit 1330 is transmitted, and a card verification value (or verification code) corresponding to the affiliate card number from the card company server 1375 (for example, CVV (Card Verification) of a visa card. Value), CVC (Card Validation Code) of the master card, CID (Confidential Identifier Number or Card Identification Number) of the American Express card, and the like, and the card verification value (or verification code) in the rental card number ), The function of transmitting and receiving the card verification value (or verification code) for the affiliated card number may be omitted.

The interface providing unit 1310 corresponds to a functional configuration provided in the card registration terminal 1365 when a predetermined card registration terminal 1365 connects to the affiliate server 1300 through the interface unit 1305. Generate (or select) the card registration application information to generate a predetermined user interface which can be transmitted to the affiliate server 1300 via the network means, and / or extract from a predetermined database (not shown), The card interface terminal 1365 provides the user interface generated (or extracted) in cooperation with the interface unit 1305 through the network means.

Thereafter, the card registration terminal 1365 inputs (or selects) the card registration application information based on the user interface, and inputs the input (or selected) card registration application information through the network means to the affiliate server ( 1300).

According to an exemplary embodiment of the present invention, when the card registration terminal 1365 is an employee terminal connected to a predetermined financial network, the interface providing unit 1310 may provide a card registration application program provided in the employee terminal. It is preferable to generate (or extract) a user interface of, and provide the generated (or extracted) user interface to the employee terminal through the interface unit 1305.

According to another exemplary embodiment of the present invention, when the card registration terminal 1365 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface providing unit 1310 is a browser provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided by a program and / or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 1305.

According to another exemplary embodiment of the present invention, when the card registration terminal 1365 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 1310 is a browser provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided by a program and / or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 1305.

When the information receiving unit 1315 inputs (or selects) predetermined card registration application information through the user interface from the card registration terminal 1365 and transmits the information through the network means, the information receiving unit 1315 cooperates with the interface unit 1305. And receiving the card registration application information, and providing the received card registration application information to the validity authentication unit 1320.

According to an embodiment of the present invention, the card registration application information includes at least one or more card information of the card registration customer, customer wireless terminal 1370 information, and various card property information for setting card properties for the affiliated card. It is made to include.

Here, the customer information is personal information (for example, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.) of the card registered customer, and the customer has subscribed to the affiliate server 1300. It is preferable to include at least one member information (eg, member ID information).

In addition, the customer wireless terminal 1370 information may be unique information (for example, a wireless terminal telephone number or address) of the customer wireless terminal 1370 equipped with a wireless IC chip capable of recording a card applet (or IC chip storage information). Information, or identification information, or ID information), and the like, and to a wireless terminal corresponding to the customer wireless terminal 1370 information for issuing a predetermined affiliate card through the card number rental. It is preferable that a card applet (or IC chip storage information) corresponding to the affiliated card is provided.

Further, the card attribute information for the affiliate card may be assigned to a credit card attribute, a check card attribute, a debit card attribute, a cash card attribute, or a prepaid card attribute. It is preferable to include at least one or more attribute setting information to be provided.

For example, when assigning a credit card attribute to the affiliate card, the card attribute information may include credit inquiry consent information for issuing the affiliate card, and assigns a check card / debit card / cash card attribute to the affiliate card. In the case of granting, the card attribute information may include customer account information associated with the affiliate card. When the prepaid card attribute is assigned to the affiliate card, the card attribute information may be set to the affiliate card. It may include a prepaid card charging information for charging.

According to another embodiment of the present invention, when the card attribute is fixed by the card issuing affiliate (or card issuing authority) or is set in a policy, the card attribute information may be omitted, thereby limiting the present invention. Not.

The validity authentication unit 1320 checks the validity of issuing the alliance card to the customer based on the customer information and the customer wireless terminal 1370 information included in the received card registration application information. do.

According to the implementation method of the present invention, the validity confirmation for issuing the alliance card to the customer, based on the customer name and resident registration number included in the customer information, a predetermined real name verification server (not shown) It is preferable to include a) to confirm the real name of the customer in conjunction with).

In addition, when the affiliated card includes a credit card attribute, the validity check for issuing the affiliated card to the customer is based on a predetermined communication means based on the customer information. It is preferable to include the check the credit information of the customer in conjunction with).

In addition, when the affiliate card includes a check card / debit card attribute, the validity check for issuing the affiliate card to the customer is performed based on the customer information. It is preferable that the customer account associated with the card is formed in connection with a financial institution server (not shown) opened and confirming whether the customer account is opened and normally operated.

In addition, validity confirmation for issuing the alliance card to the customer may include subscriber management means (for example, subscriber information D / B (not shown) and subscription management server) on a wireless communication network corresponding to the customer wireless terminal 1370 information. Etc.), and confirming that the customer wireless terminal 1370 information is valid.

The card number assignment unit 1330 allocates a predetermined lease from the lease card number D / B 1395 to the affiliated card in association with a DBMS (or DB server) provided in the card issuing institution through the communication means. A card number may be identified (or received), a predetermined affiliate card number including the rental card number may be generated (or extracted) and assigned to the affiliate card.

According to an embodiment of the present invention, when the lease card number D / B 1395 is provided with a 16-digit lease card number, the card number allocator 1330 indicates a predetermined lease card number among the lease card numbers. It is preferable to extract by the affiliate card number.

According to another embodiment of the present invention, when the rental card number D / B 1395 is provided with a rental card number including a 9-digit serial number of the 16-digit card number, the card number assignment unit 1330 is It is preferable to generate a predetermined affiliate card number including a rental card number, a card issuing agency information number, a card type number, and a check digit corresponding to the nine-digit serial number.

If the person having ordinary knowledge in the technical field to which the present invention belongs, if the lease card number follows a card number system other than the 16-digit card number, the lease card number to the affiliated card number according to the card number system Various implementation methods may be inferred, and the present invention is characterized by including all implementation methods inferred.

According to an embodiment of the present invention, when a predetermined affiliated card number is assigned by the card number assignment unit 1330, the information transmission / reception unit 1325 is a card company server corresponding to the card issuing organization through the communication means. Transmits the affiliate card number assigned by the card number allocator 1330 to the card number assignment unit 1330, and a card verification value (or verification code) corresponding to the affiliate card number from the card company server 1375 (eg, a visa card). It is preferable to receive the CVV (Card Verification Value), Master Card CVC (Card Validation Code), American Express Card CID (Confidential Identifier Number or Card Identification Number), and the card verification value in the rental card number (Or verification code) or when the card number assignment unit 1330 is provided with the card verification value (or verification code) generating function, the information transmitting and receiving unit 1325 The ability to transmit and receive a card verification value (or validation code) for the affiliated card number, but may be omitted.

When the association card number is generated (or extracted) as described above, the card information generation unit 1335 generates predetermined association card information including the association card number.

According to an embodiment of the present invention, the affiliate card information includes at least one affiliate card number, a card verification value (or verification code), the card expiration date (some may be omitted), and card issuer information (or code). It is preferable to make it.

For example, the card number (although some exceptions exist) preferably includes a four-digit card issuing organization number, a two-digit card type number, a nine-digit serial number, and a check digit.

The expiration date information is preferably made to include the period (or expiration date and time) that can be used for the affiliate card, it may be omitted if the expiration date does not exist in the affiliate card, thereby the present invention is not limited .

The card issuing organization information (or code) preferably comprises at least one or more unique numbers (or unique codes) assigned to the card issuing organization (or financial company) that issues the affiliate card to the customer.

When predetermined affiliated card information included in the affiliated card is generated by the card information generator 1335, the applet generator 1340 stores a predetermined card applet (or IC chip storage information) including the associated card information. The card applet (or IC chip storage information) can be recorded on a wireless IC chip provided in the customer wireless terminal 1370 and operated on a chip operating system (COS) on the wireless IC chip. It is preferable to include a file structure.

When the card applet (or IC chip storage information) is generated by the applet generating unit 1340, the card issuing unit 1350 is connected to the customer wireless terminal 1370 via a wireless communication network corresponding to the customer wireless terminal 1370 information. By transmitting the card applet (or IC chip storage information) to the 1370, the customer wireless terminal 1370 records the card applet (or IC chip storage information) on the wireless IC chip provided in the wireless terminal. It is characterized in that the cooperation card is issued to the customer.

Thereafter, the information storage unit 1345 stores the customer information included in the card registration application information received from the customer through the information receiving unit 1315, the generated affiliate card information, and card attribute information of the affiliate card. Characterized in that the at least one affiliate card issuance information is stored in the storage medium 1355.

Here, the customer information included in the affiliated card issuance information includes personal information of the card registered customer (for example, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.), and the customer At least one member information (for example, member ID information) subscribed to the affiliate server 1300 may be included.

In addition, the card attribute information included in the affiliate card issuance information may be assigned to a credit card attribute, a check card attribute, a debit card attribute, a cash card attribute, or prepaid. At least one attribute setting information for imparting card attributes is preferably included.

For example, when assigning a credit card attribute to the affiliate card, the card attribute information includes various attribute information (eg, credit limit, etc.) for use in payment through a credit card payment system for issuing the affiliate card. When the check card / debit card / cash card attribute is given to the affiliate card, the card attribute information may include customer account information associated with the affiliate card, and the prepaid card attribute is added to the affiliate card. In the case of granting, the card attribute information may include information on the amount of charge charged in the affiliate card.

Those skilled in the art will be able to infer various technical configurations of the card attribute information, so a detailed description thereof will be omitted.

Referring to FIG. 13, a card company server 1375 of a card issuing organization connected to the affiliate server 1300 through a predetermined communication means receives a predetermined affiliate card number from the affiliate server 1300 through the communication means. An information transmitting / receiving unit 1380 (or an information receiving unit) that receives (or receives a card verification value (or verification code) request information) and the predetermined information from the affiliate server 1300 through the information transmitting / receiving unit 1380. When receiving an affiliate card number (or a card verification value (or verification code) is requested), a verification card information generation unit for generating a predetermined card verification value (or verification code) corresponding to the affiliate card number ( 1385, wherein the information transmitting and receiving unit 1380 (or information transmitting means) transmits a card verification value (or verification code) corresponding to the affiliate card number to the affiliate server 1300. And that is characterized.

In the technical field to which the present invention pertains, the verification card information generating unit 1385 may include a CVV (Card Verification Value) of the Visa card, a CVC (Card Validation Code) of a master card, and an American Express card. Since you will be familiar with the technical features for generating a card verification value (or verification code) including at least one CID (Confidential Identifier Number or Card Identification Number), a detailed description thereof will be omitted for convenience.

Referring to FIG. 13, a card company server 1375 of a card issuing organization connected to the affiliate server 1300 through a predetermined communication means is connected to the issued affiliate card from the affiliate server 1300 through the communication means. An information transmitting / receiving unit 1380 (or information receiving means) for receiving affiliate card issuance information including at least one corresponding customer information, affiliate card information, and card attribute information corresponding to the affiliate card; and the received customer information. And an information storage unit 1390 for storing, in the predetermined card information D / B 1397, the affiliate card operation information in which the affiliate card information and the card attribute information are linked to the affiliated agency information corresponding to the card issuing affiliated institution. Characterized in that made.

Thereafter, the affiliated card operation information stored in the card information D / B 1397 is used by the card issuer to provide a payment service or various additional services in association with at least one affiliated store.

According to one embodiment of the present invention, the card information D / B 1397 is preferably provided in a DBMS on a predetermined financial system provided in the card issuing institution (or associated with the card issuing institution). The card information D / B 1397 may be a ledger D / B provided in a DBMS on the financial system and / or a predetermined database associated with the ledger D / B, whereby the present invention is not limited thereto. No.

According to another exemplary embodiment of the present invention, the card information D / B 1397 may be an online payment system, and / or a WAP-based wireless payment system, and / or an IC chip provided in (or associated with) the card issuer. It is possible to be provided in the DBMS on at least one or more of the base wireless payment system, and / or the tele payment system, whereby the present invention is not limited.

According to yet another embodiment of the present invention, the card information D / B 1397 is an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided (or associated with) the card issuing institution. It is possible to be provided in the DBMS on at least one banking system of, and / or a TV banking system, whereby the present invention is not limited.

14 is a diagram illustrating a card registration process for issuing an affiliate card through card number rental according to an embodiment of the present invention.

More specifically, in FIG. 14, in the card registration system shown in FIG. 13, a predetermined customer creates a predetermined card registration application through a face-to-face card registration interface (e.g., the card registration application, employee terminal, and network means). If the affiliated employee submits (or selects) card registration application information corresponding to the card registration application through a predetermined card registration terminal 1365 and transmits it to the affiliated server 1300, The process of issuing a predetermined affiliate card through the card number rental to the customer based on the card registration application information in the affiliate server 1300, specifically, the rental card number D / B 1395 illustrates an implementation method provided in the card issuing engine.

Those skilled in the art to which the present invention pertains can refer to various embodiments of the present invention to deduce the affiliate card for issuing the affiliate card through leasing the card number by referring to and / or modifying the drawing 14. However, the present invention includes all of the inferred implementation methods, and is not limited to the implementation method shown in FIG.

For example, FIG. 14 illustrates that the affiliate card is produced and provided (or delivered) to the customer, and then the affiliate card issuance information is stored in the storage medium 1355. The process of storing the predetermined affiliate card issuance information in the storage medium 1355 may be performed before the affiliate card is produced or before the affiliate card is produced (or delivered) to the customer. The present invention is not limited.

Hereinafter, in FIG. 14, the card registration terminal 1365 shown in FIG. 13 is referred to as a "terminal" for convenience, and the affiliate server 1300 is referred to as a "server" for convenience.

Referring to FIG. 14, in order to issue the affiliated card for issuing the affiliated card through leasing the card number, the customer is prescribed through a face-to-face card registration interface (eg, the card registration application, employee terminal, and network means). When a card registration application (for example, a document having a form for filling in at least one information item for issuance of an affiliate card through lease of the card number) is completed and submitted to an affiliated employee, the terminal is connected by the affiliated employee. The card registration application information corresponding to the card registration application prepared by the customer is input (or selected) through a predetermined user interface (1400), and the card registration application information is transmitted to the server through the network means (1405). .

According to an embodiment of the present invention, the card registration application information includes customer information of the card registration customer and at least one or more kinds of card attribute information for setting card attributes for the affiliated card.

Here, the customer information is personal information (for example, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.) of the card registered customer, and the customer has subscribed to the affiliate server 1300. It is preferable to include at least one member information (eg, member ID information).

In addition, the customer wireless terminal 1370 information may be unique information (for example, a wireless terminal telephone number or address) of the customer wireless terminal 1370 equipped with a wireless IC chip capable of recording a card applet (or IC chip storage information). Information, or identification information, or ID information), and the like, and to a wireless terminal corresponding to the customer wireless terminal 1370 information for issuing a predetermined affiliate card through the card number rental. It is preferable that a card applet (or IC chip storage information) corresponding to the affiliated card is provided.

Further, the card attribute information for the affiliate card may be assigned to a credit card attribute, a check card attribute, a debit card attribute, a cash card attribute, or a prepaid card attribute. It is preferable to include at least one or more attribute setting information to be provided.

For example, when assigning a credit card attribute to the affiliate card, the card attribute information may include credit inquiry consent information for issuing the affiliate card, and assigns a check card / debit card / cash card attribute to the affiliate card. In the case of granting, the card attribute information may include customer account information associated with the affiliate card. When the prepaid card attribute is assigned to the affiliate card, the card attribute information may be set to the affiliate card. It may include a prepaid card charging information for charging.

According to another embodiment of the present invention, when the card attribute is fixed by the card issuing affiliate (or card issuing authority) or is set in a policy, the card attribute information may be omitted, thereby limiting the present invention. Not.

Thereafter, the server receives and reads the card registration request information from the terminal through the network means and issues the affiliated card through leasing the card number to the customer based on the customer information included in the card registration request information. The card registration validity for issuing the affiliate card is verified (1410).

According to the implementation method of the present invention, the validity confirmation for issuing the alliance card to the customer, based on the customer name and resident registration number included in the customer information, a predetermined real name verification server (not shown) It is preferable to include a) to confirm the real name of the customer in conjunction with).

In addition, when the affiliated card includes a credit card attribute, the validity check for issuing the affiliated card to the customer is based on a predetermined communication means based on the customer information. It is preferable to include the check the credit information of the customer in conjunction with).

In addition, when the affiliate card includes a check card / debit card attribute, the validity check for issuing the affiliate card to the customer is performed based on the customer information. It is preferable that the customer account associated with the card is formed in connection with a financial institution server (not shown) opened and confirming whether the customer account is opened and normally operated.

In addition, validity confirmation for issuing the alliance card to the customer may include subscriber management means (for example, subscriber information D / B (not shown) and subscription management server) on a wireless communication network corresponding to the customer wireless terminal 1370 information. Etc.), and confirming that the customer wireless terminal 1370 information is valid.

If the validity to issue the affiliate card to the customer is not authenticated through the card registration application information (1415), the server provides card registration error information to the customer through the card registration interface (1420). Stop issuing the affiliate card to the customer.

On the other hand, if the validity to issue the affiliated card to the customer through the card registration application information is authenticated (1415), the server through the communication means for the rental card number D / B (e.g. 1395) request and receive the lease card number to be assigned to the affiliate card and assign it to the affiliate card number (1425).

Thereafter, the server transmits the affiliate card number to the card company server 1375 that has leased the lease card number through the communication means, and then a verification value (or verification code) corresponding to the affiliate card number to the card company server 1375. Request a card verification value (or verification code) corresponding to the affiliate card number from the card company server 1375 (1430), and the affiliate card number and card verification value (or verification code). Predetermined affiliate card information is generated (1435).

Here, the affiliated card information may include a card number (eg, 16-digit card number) corresponding to the affiliated card, the received card verification value (or verification code), expiration date information (some may be omitted), and card issuer information ( Or code).

For example, the card number (although some exceptions exist) preferably includes a four-digit card issuing organization number, a two-digit card type number, a nine-digit serial number, and a check digit.

The expiration date information is preferably made to include the period (or expiration date and time) that can be used for the affiliate card, it may be omitted if the expiration date does not exist in the affiliate card, thereby the present invention is not limited .

The card issuing organization information (or code) preferably comprises at least one or more unique numbers (or unique codes) assigned to the card issuing organization (or financial company) that issues the affiliate card to the customer.

Thereafter, the server generates a predetermined card applet (or IC chip storage information) including the generated (or extracted) affiliate card information (1440), and stores the generated card applet (or IC chip storage information). In operation 1445, the wireless terminal 1370 is transmitted to the customer wireless terminal 1370 through a wireless communication network corresponding to the customer wireless terminal 1370 information included in the card registration application information.

Here, the card applet (or IC chip storage information) includes a file structure that is recorded on a wireless IC chip provided in the customer wireless terminal 1370 and operable on a chip operating system (COS) on the wireless IC chip. desirable.

According to the method of the present invention, the server reads the customer wireless terminal 1370 information included in the card registration application information to identify a wireless communication network corresponding to the customer wireless terminal 1370 information, and the wireless communication network and It is preferable to transmit the generated card applet (or IC chip storage information) to the customer wireless terminal 1370 through a predetermined applet providing server 1360.

Those skilled in the art to which the present invention pertains, various methods of transmitting the card applet (or IC chip storage information) from the applet providing server 1360 to the customer wireless terminal 1370 (for example, The card applet (or IC chip storage information) transmission using a wireless message and a callback URL) may be inferred, but the present invention is characterized by including all the inferred implementation methods.

Thereafter, the customer wireless terminal 1370 records the received card applet (or IC chip storage information) on a wireless IC chip provided in the wireless terminal, thereby corresponding to the card applet (or IC chip storage information). Issue an affiliate card (1450).

Thereafter, the server issuing an affiliate card including at least one of customer information included in the card registration application information provided from the customer through the card registration interface, the generated affiliate card information, and card attribute information of the affiliate card. Information is stored in the storage medium 1355 (1455).

Here, the customer information included in the affiliated card issuance information includes personal information of the card registered customer (for example, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.), and the customer At least one member information (for example, member ID information) subscribed to the affiliate server 1300 may be included.

In addition, the card attribute information included in the affiliate card issuance information may be assigned to a credit card attribute, a check card attribute, a debit card attribute, a cash card attribute, or prepaid. At least one attribute setting information for imparting card attributes is preferably included.

For example, when assigning a credit card attribute to the affiliate card, the card attribute information includes various attribute information (eg, credit limit, etc.) for use in payment through a credit card payment system for issuing the affiliate card. When the check card / debit card / cash card attribute is given to the affiliate card, the card attribute information may include customer account information associated with the affiliate card, and the prepaid card attribute is added to the affiliate card. In the case of granting, the card attribute information may include information on the amount of charge charged in the affiliate card.

Those skilled in the art will be able to infer various technical configurations of the card attribute information, so a detailed description thereof will be omitted.

Thereafter, the server issues the at least one affiliate card including at least one of customer information corresponding to the affiliate card, card information, and card attribute information to the card company server 1375 through the communication means. In operation 1460, the card company server 1375 stores the affiliate card operation information further including the card issuing affiliate information in the affiliate card issuing information in a predetermined card information D / B 1397 ( 1465).

According to one embodiment of the present invention, the card information D / B 1397 is preferably provided in a DBMS on a predetermined financial system provided in the card issuing institution (or associated with the card issuing institution). The card information D / B 1397 may be a ledger D / B provided in a DBMS on the financial system and / or a predetermined database associated with the ledger D / B, whereby the present invention is not limited thereto. No.

According to another exemplary embodiment of the present invention, the card information D / B 1397 may be an online payment system, and / or a WAP-based wireless payment system, and / or an IC chip provided in (or associated with) the card issuer. It is possible to be provided in the DBMS on at least one or more of the base wireless payment system, and / or the tele payment system, whereby the present invention is not limited.

According to yet another embodiment of the present invention, the card information D / B 1397 is an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided (or associated with) the card issuing institution. It is possible to be provided in the DBMS on at least one banking system of, and / or a TV banking system, whereby the present invention is not limited.

15 is a diagram illustrating a card registration process for issuing an affiliate card through card number rental according to another embodiment of the present invention.

More specifically, FIG. 15 shows a non-face-to-face card registration interface (eg, client terminal and network means including at least one wired terminal and / or wireless terminal) in which a predetermined customer in the card registration system shown in FIG. When accessing the third company server 1300 through the input (or select) the predetermined card registration application information transmitted by the partner server (1300) based on the card registration application information lease the card number to the customer As a process of issuing a predetermined affiliate card through the above, specifically, it shows a method of implementing a rental card number D / B (1395) provided in the card issuing organization for storing the rental card number.

Those of ordinary skill in the art to which the present invention pertains can refer to various embodiments of the present invention to infer various methods of issuing the affiliated card for issuing the affiliated card through lease of the card number. However, the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

For example, FIG. 15 illustrates that the affiliate card is produced and provided (or delivered) to the customer, and then the affiliate card issuance information is stored in the storage medium 1355. The process of storing the predetermined affiliate card issuance information in the storage medium 1355 may be performed before the affiliate card is produced or before the affiliate card is produced (or delivered) to the customer. The present invention is not limited.

Hereinafter, in FIG. 15, the card registration terminal 1365 shown in FIG. 13 is referred to as a "terminal" for convenience, and the affiliate server 1300 is referred to as a "server" for convenience.

Referring to FIG. 15, the customer accesses the server through a predetermined terminal to connect a communication channel for card registration application, and the affiliate card for issuing an affiliate card through leasing the card number through the communication channel. In response to the issue (1500), the server generates (or extracts) a user interface for issuing the affiliate card and provides the terminal to the terminal through the communication channel (1505).

Thereafter, the terminal receives (or selects) the card registration request information through the user interface and transmits the input (or select) the card registration request information to the server through the communication channel (1510).

According to an embodiment of the present invention, the card registration application information includes customer information of the card registration customer and at least one or more kinds of card attribute information for setting card attributes for the affiliated card.

Here, the customer information is personal information (for example, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.) of the card registered customer, and the customer has subscribed to the affiliate server 1300. It is preferable to include at least one member information (eg, member ID information).

In addition, the customer wireless terminal 1370 information may be unique information (for example, a wireless terminal telephone number or address) of the customer wireless terminal 1370 equipped with a wireless IC chip capable of recording a card applet (or IC chip storage information). Information, or identification information, or ID information), and the like, and to a wireless terminal corresponding to the customer wireless terminal 1370 information for issuing a predetermined affiliate card through the card number rental. It is preferable that a card applet (or IC chip storage information) corresponding to the affiliated card is provided.

Further, the card attribute information for the affiliate card may be assigned to a credit card attribute, a check card attribute, a debit card attribute, a cash card attribute, or a prepaid card attribute. It is preferable to include at least one or more attribute setting information to be provided.

For example, when assigning a credit card attribute to the affiliate card, the card attribute information may include credit inquiry consent information for issuing the affiliate card, and assigns a check card / debit card / cash card attribute to the affiliate card. In the case of granting, the card attribute information may include customer account information associated with the affiliate card. When the prepaid card attribute is assigned to the affiliate card, the card attribute information may be set to the affiliate card. It may be made by including prepaid card charging information for charging.

According to another embodiment of the present invention, when the card attribute is fixed by the card issuing affiliate (or card issuing authority) or is set in a policy, the card attribute information may be omitted, thereby limiting the present invention. Not.

Thereafter, the server receives and reads the card registration request information from the terminal through the network means and issues the affiliated card through leasing the card number to the customer based on the customer information included in the card registration request information. The card registration validity for issuing the affiliate card is verified (1515).

According to the implementation method of the present invention, the validity confirmation for issuing the alliance card to the customer, based on the customer name and resident registration number included in the customer information, a predetermined real name verification server (not shown) It is preferable to include a) to confirm the real name of the customer in conjunction with).

In addition, when the affiliated card includes a credit card attribute, the validity check for issuing the affiliated card to the customer is based on a predetermined communication means based on the customer information. It is preferable to include the check the credit information of the customer in conjunction with).

In addition, when the affiliate card includes a check card / debit card attribute, the validity check for issuing the affiliate card to the customer is performed based on the customer information. It is preferable that the customer account associated with the card is formed in connection with a financial institution server (not shown) opened and confirming whether the customer account is opened and normally operated.

In addition, validity confirmation for issuing the alliance card to the customer may include subscriber management means (for example, subscriber information D / B (not shown) and subscription management server) on a wireless communication network corresponding to the customer wireless terminal 1370 information. Etc.), and confirming that the customer wireless terminal 1370 information is valid.

If the validity to issue the affiliate card to the customer is not authenticated through the card registration application information (1520), the server provides card registration error information to the customer through the card registration interface (1525). Stop issuing the affiliate card to the customer.

On the other hand, if the validity for issuing the alliance card to the customer through the card registration application information is authenticated (1520), the server provides the rental card number D / B provided to the card issuing organization through the communication means ( 1395) requests and receives the lease card number to be assigned to the affiliate card and assigns it to the affiliate card number (1530).

Thereafter, the server transmits the affiliate card number to the card company server 1375 that has leased the lease card number through the communication means, and then a verification value (or verification code) corresponding to the affiliate card number to the card company server 1375. Request a card verification value (or verification code) corresponding to the affiliate card number from the card company server 1375 (1535), and the affiliate card number and the card verification value (or verification code). Generates a predetermined affiliate card information to be included (1540).

Here, the affiliated card information may include a card number (eg, 16-digit card number) corresponding to the affiliated card, the received card verification value (or verification code), expiration date information (some may be omitted), and card issuer information ( Or code).

For example, the card number (although some exceptions exist) preferably includes a four-digit card issuing organization number, a two-digit card type number, a nine-digit serial number, and a check digit.

The validity period information is preferably made to include the period (or expiration date and time) that can use the affiliate card, it may be omitted if there is no valid period in the affiliate card, thereby limiting the present invention No.

The card issuing organization information (or code) preferably comprises at least one or more unique numbers (or unique codes) assigned to the card issuing organization (or financial company) that issues the affiliate card to the customer.

Thereafter, the server generates a predetermined card applet (or IC chip storage information) including the generated (or extracted) affiliate card information (1545), and generates the generated card applet (or IC chip storage information). In operation 1550, the client wireless terminal 1370 is transmitted to the customer wireless terminal 1370 through a wireless communication network corresponding to the customer wireless terminal 1370 information included in the card registration application information.

Here, the card applet (or IC chip storage information) includes a file structure that is recorded on a wireless IC chip provided in the customer wireless terminal 1370 and operable on a chip operating system (COS) on the wireless IC chip. desirable.

According to the method of the present invention, the server reads the customer wireless terminal 1370 information included in the card registration application information to identify a wireless communication network corresponding to the customer wireless terminal 1370 information, and the wireless communication network and It is preferable to transmit the generated card applet (or IC chip storage information) to the customer wireless terminal 1370 through a predetermined applet providing server 1360.

Those skilled in the art to which the present invention pertains, various methods of transmitting the card applet (or IC chip storage information) from the applet providing server 1360 to the customer wireless terminal 1370 (for example, The card applet (or IC chip storage information) transmission using a wireless message and a callback URL) may be inferred, but the present invention is characterized by including all the inferred implementation methods.

Thereafter, the customer wireless terminal 1370 records the received card applet (or IC chip storage information) on a wireless IC chip provided in the corresponding wireless terminal, thereby cooperatively corresponding to the card applet (or IC chip storage information). Issue a card (1555).

Thereafter, the server issuing an affiliate card including at least one of customer information included in the card registration application information provided from the customer through the card registration interface, the generated affiliate card information, and card attribute information of the affiliate card. Information is stored in the storage medium 1355 (1560).

Here, the customer information included in the affiliated card issuance information includes personal information of the card registered customer (for example, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.), and the customer At least one member information (for example, member ID information) subscribed to the affiliate server 1300 may be included.

In addition, the card attribute information included in the affiliate card issuance information may be assigned to a credit card attribute, a check card attribute, a debit card attribute, a cash card attribute, or prepaid. At least one attribute setting information for imparting card attributes is preferably included.

For example, when assigning a credit card attribute to the affiliate card, the card attribute information includes various attribute information (eg, credit limit, etc.) for use in payment through a credit card payment system for issuing the affiliate card. When the check card / debit card / cash card attribute is given to the affiliate card, the card attribute information may include customer account information associated with the affiliate card, and the prepaid card attribute is added to the affiliate card. In the case of granting, the card attribute information may include information on the amount of charge charged in the affiliate card.

Those skilled in the art will be able to infer various technical configurations of the card attribute information, so a detailed description thereof will be omitted.

Thereafter, the server issues the at least one affiliate card including at least one of customer information corresponding to the affiliate card, card information, and card attribute information to the card company server 1375 through the communication means. Information is transmitted (1565), and the card company server 1375 stores the alliance card operation information further including the card issuing affiliate information in the alliance card issuing information in a predetermined card information D / B 1397 ( 1570).

According to one embodiment of the present invention, the card information D / B 1397 is preferably provided in a DBMS on a predetermined financial system provided in the card issuing institution (or associated with the card issuing institution). The card information D / B 1397 may be a ledger D / B provided in a DBMS on the financial system and / or a predetermined database associated with the ledger D / B, whereby the present invention is not limited thereto. No.

According to another exemplary embodiment of the present invention, the card information D / B 1397 may be an online payment system, and / or a WAP-based wireless payment system, and / or an IC chip provided in (or associated with) the card issuer. It is possible to be provided in the DBMS on at least one or more of the base wireless payment system, and / or the tele payment system, whereby the present invention is not limited.

According to yet another embodiment of the present invention, the card information D / B 1397 is an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided (or associated with) the card issuing institution. It is possible to be provided in the DBMS on at least one banking system of, and / or a TV banking system, whereby the present invention is not limited.

FIG. 16 is a diagram illustrating a card registration system for issuing an affiliate card in the form of a card applet (or IC chip storage information) through a batch lease of card numbers according to another embodiment of the present invention.

In more detail, Fig. 16 shows a card issuing affiliated institution by a customer who owns a wireless terminal equipped with a predetermined wireless IC chip (eg, a financial IC chip or a universal subscriber identity module (USIM)) through a predetermined card registration interface. When the card registration application information for issuing an affiliate card through lease of a predetermined number of cards is provided, the card issuing affiliated authority is provided with the customer wireless terminal 1675 to the customer based on the provided card registration application information. A system configuration for issuing an affiliate card in the form of a card applet (or IC chip storage information) with an IC chip. Specifically, the lease card number D / B 1655 for storing the lease card number is provided to the card issuing affiliated institution. And the card issuing institution, the lease card number D / B (1655) to synchronize the registration card issuing / issuing room It shows the law.

Those skilled in the art to which the present invention pertains can refer to and / or modify this drawing 16 to infer various implementation methods for constructing a card registration system for issuing an affiliate card through leasing the card number. It will be appreciated that the present invention includes all implementation methods inferred above and is not limited to the implementation method illustrated in FIG.

Hereinafter, a card applet (or a wireless IC chip provided in the customer wireless terminal 1675 based on the card registration application information provided from the customer through a predetermined card registration interface on the card registration system shown in FIG. 16). At least one means for issuing an affiliate card in the form of IC chip storage information) and / or a component corresponding to a functional configuration is referred to as a “partner company server 1600” for convenience, and a card issuance partnership with the affiliate server 1600 is provided. The institution preferably includes at least one of a mobile telecommunication company, various wireless telecommunication companies, various wired telecommunication companies, a portal service provider, and the like, allied with the card issuing organization.

Referring to FIG. 16 according to an embodiment of the present invention, a card registration system for issuing an affiliate card through leasing the card number may be used by an employee of an affiliated employee provided in at least one card issuer (or financial institution). And / or a client terminal including at least one wired terminal and / or a wireless terminal used by the customer when the card registration system supports a non-face-to-face card registration application. The employee terminal and / or the client terminal is connected to the communication channel and the affiliate server 1600 provided in the card issuing affiliate institution through a predetermined network means.

According to one embodiment of the present invention, the customer visits the card issuing agency to issue an affiliate card through the card number leasing and through the window provided at the card issuing institution (or through an affiliated employee). Fill out a predetermined card registration application for issuing an affiliate card through lease (e.g., a document with a form for filling in at least one item of information for issuing an affiliate card through lease of the card number) and / or the affiliate employee Visit the customer and have the customer fill out a predetermined card registration application for issuing an affiliate card through leasing the card number), and submit the completed card registration application to the affiliated employee. Enter (or select) the information entered in the card registration application through the employee's terminal, The employee terminal preferably transmits the input (or selected) information to the affiliate server 1600 provided in the card issuing affiliate institution through the network means.

Here, preferably, the employee terminal includes an employee terminal used by an affiliated employee provided in the card issuing institution, and the affiliate server 1600 connected to the employee terminal is the card issuing institution (or financial institution, or the And a server provided on a card issuing agency affiliated with a card issuing agency. The network means for connecting the employee terminal and the affiliated server 1600 may include the employee terminal and the affiliated server 1600. It is preferable to include a communication network connecting the communication channel between.

In the card registration system as described above, the card registration application prepared by the customer, the employee terminal used by the affiliated employee and the financial network connecting the employee terminal and the affiliated server 1600 are rented by the customer. It performs a function of a card registration interface for registering card registration application information for issuing an affiliate card through.

According to another exemplary embodiment of the present invention, when the card registration system supports a non-face-to-face card registration application, the customer is selected from a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network. Access the affiliate server 1600 through at least one client terminal and input card registration application information for issuing an affiliate card through lease of the card number through at least one user interface provided by the affiliate server 1600. (Or optional), it is preferable to transmit from the client terminal to the affiliate server 1600 provided in the card issuing affiliate institution through a predetermined network means.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices connected to a TCP / IP based communication network, and a desktop computer and / or a notebook connected to the TCP / IP based communication network. (Notebook) or a home appliance terminal (eg, Set-Top-Box) connected to the TCP / IP based communication network, or a kiosk (KIOSK) connected to the TCP / IP based communication network, etc. It is preferable.

In addition, the wireless terminal connected to the wireless communication network is all terminal devices connected to a code division multiple access (CDMA) based mobile communication network, and / or all terminal devices connected to a high speed downlink packet access (HSDPA) based wireless communication network, and / Or all terminal devices connected to the IEEE 802.16x based mobile Internet, and / or all terminal devices connected to Motorola's DataTAC method and / or Erricson's Mobitex type wireless data communication network, and are personal communications connected to the CDMA based mobile communication network. Terminal (Personal Communication System; PCS) and / or Global System for Mobile communications (GSM) terminals and / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or personal information terminals (Personal Digital Assistant; PDA) and / or Smart Phone and / or Telematics, or HSDPA (High Speed Dow) and at least one wireless communication terminal connected to an nlink packet access) based wireless communication network, a portable internet terminal connected to the IEEE 802.16x based portable internet, or a wireless data communication terminal connected to the DataTAC / Mobitex based wireless data communication network. It is preferable to make.

In addition, the client terminal outputs at least one or more user interfaces provided by the affiliate server 1600, and inputs and / or selects at least one or more information through the user interface to transmit to the affiliate server 1600. It is preferable that a function configuration (for example, a browser program and a communication function, or a predetermined communication program and a communication function to communicate with the affiliate server 1600, etc.) is provided.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the client terminal corresponding to at least one or more wired and / or wireless terminals, and thus a detailed description thereof will be omitted for convenience. .

In the card registration system as described above, a client terminal including at least one or more wired terminals and / or wireless terminals used by the customer, at least one wired communication network connecting the client terminal and the affiliate server 1600 and / or Alternatively, the wireless communication network performs a function of a card registration interface for registering the card registration application information for the customer to issue an affiliated card through leasing the card number.

According to another exemplary embodiment of the present invention, when the card registration system supports a non-face-to-face card registration application, the card registration terminal 1670 may have a predetermined financial network in addition to the employee terminal and / or the client terminal. It further comprises a financial automated machine (not shown) including an automatic teller machine (ATM), a cash dispenser (CD) connected to (for example, a financial common network), and / or a predetermined And a predetermined call terminal (not shown) connected to a wired telephone network such as a Public Switched Telephone Network (PSTN), Voice over IP (VoIP) network, and / or a mobile communication network, a wireless VoIP network, A terminal (and / or terminal) provided in at least one or more organizations affiliated with the card issuing organization, and / or further comprising a predetermined call terminal (not shown) connected to the same wireless telephone network. May further include a server) (not shown), whereby the present invention is not limited thereto.

In the case of supporting a non-face-to-face card registration application as described above, when the card registration terminal 1670 is the financial automatic device (not shown), the financial automatic device (not shown) and the financial automatic device ( (Not shown) and a financial network connecting the affiliate server 1600 performs a function of a card registration interface for registering the card registration application information for the customer to issue an affiliate card through leasing the card number, and / or When the card registration terminal 1670 is the call terminal (not shown), a wired telephone network and / or a wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the affiliated server 1600. The customer performs a function of a card registration interface for registering the card registration application information for issuing an affiliate card through the card number rental, and / or the car If the registration terminal 1670 is a terminal (and / or server) (not shown) provided in an institution affiliated with the card issuing organization, the terminal (and / or server) (not shown) and the terminal (and / or Server (not shown) and the network connecting the affiliate server 1600 performs a function of a card registration interface for the customer to register the card registration application information for issuing the affiliate card through the card number rental.

The rental card number D / B 1655 provided in the card issuing affiliate institution according to an embodiment of the present invention is leased so that the card issuing agency is allocated to at least one affiliate card registered through the card issuing affiliate institution. It is preferable to include at least one or more card number, it is preferable to further comprise the card issuing institution information that leased the lease card number.

Here, the rental card number, including all 16-digit card number, or the nine-digit serial number of the 16-digit card number (for example, the first four digits corresponding to the card issuing agency number and corresponding to the card type number) The next 2 digits and the remaining 9 digit serial number except the last 1 digit corresponding to the check digit), preferably including a predetermined number area, and according to the intention of the person skilled in the art In addition, it may include a rental card number that follows the other card number system.

In addition, the card issuing agency information is information for identifying at least one or more card issuing institutions that have leased the lease card number to the card issuing affiliate, and issuing at least one or more card numbers to the card issuing affiliate. If there is only one engine, it is possible to omit it and thereby the present invention is not limited.

In addition, the lease card number D / B (1697) is provided to the card issuing agency in synchronization with the lease card number D / B (1655) provided in the card issuing agency is the card issuing agency in the card issuing agency It is preferably made to include at least one or more card numbers leased to be assigned to at least one or more affiliate cards registered through, it is preferable that the lease card number further comprises a card issuing affiliate information to lease.

Here, the lease card number, preferably comprises the same configuration as the lease card number D / B (1655) provided in the card issuing affiliated agency, the lease card number is predetermined in the affiliate server 1600 When assigned to an affiliate card, it is preferable to synchronize with the rental card number D / B (1655) provided in the card issuing affiliate.

Further, the card issuing affiliate information is information for identifying at least one or more card issuing affiliates to lease at least one or more card numbers in the card issuing institution, the card issuing affiliate to lease at least one or more card numbers. In the case of one, it is possible to omit it and thereby the present invention is not limited.

The storage medium 1660 provided in the card issuing affiliate institution issues a predetermined alliance card to the customer based on the card registration application information provided from the card registration terminal 1670, and then issues the alliance card. And the affiliated card issuance information including at least one of customer information, affiliated card information, and card attribute information. The affiliated card issuance information stored in the storage medium 1660 is stored in the card issuing affiliated institution. It is used to provide affiliate card related services through number rental.

According to another exemplary embodiment of the present invention, the storage medium 1660 may be connected to a predetermined DBMS interoperating with a server (or device) that performs a predetermined information processing function using the affiliated card issuing information at the card issuing affiliate. In this case, the storage medium 1660 may be provided at various positions according to the intention of those skilled in the art, and the present invention is not limited thereto.

The affiliate server 1600 provided in the card issuing affiliate institution is a generic term for the card issuing affiliate institution side components connected to the card registration terminal 1670 through a predetermined network means, and includes at least one server (or an apparatus). ) And / or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to an embodiment of the present invention, the affiliate server 1600 includes an interface unit 1605 (or interface means) for providing a predetermined card registration interface to the card registration terminal 1670 via the network means. It is characterized by.

According to an exemplary embodiment of the present invention, when the card registration terminal 1670 is an employee terminal connected to a predetermined financial network, the interface unit 1605 may be connected to the employee terminal based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one information (or data) using a communication protocol defined in a card registration application program provided in the employee terminal.

According to another exemplary embodiment of the present invention, when the card registration terminal 1670 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 1605 uses a protocol stack defined in the wired communication network. It is preferable to provide a communication interface for connecting at least one communication channel with the client terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, if the client terminal is equipped with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 1605 connects a communication channel with the client terminal based on the TCP / IP protocol, It provides a communication interface for transmitting and receiving web pages (eg, Hyper-Text Markup Language (HTML) compatible web pages) and / or information using the HTPP protocol defined in the browser program.

Alternatively, when a predetermined card registration application program provided by the affiliate server 1600 is provided in the client terminal, the interface unit 1605 connects a communication channel with the client terminal based on the TCP / IP protocol. It provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the card registration terminal 1670 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 1605 is a protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal and connecting a predetermined communication channel with the client terminal. .

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol is provided in the client terminal, the interface unit 1605 communicates with the client terminal based on the CDMA protocol. And a communication interface for transmitting and receiving web pages (e.g., WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information using the WAP / ME protocol defined in the browser program. .

Alternatively, when the client terminal is provided with a card registration application program provided by the affiliate server 1600, the interface unit 1605 connects a communication channel with the client terminal based on the CDMA protocol, and the communication program Provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in.

Referring to FIG. 16, the affiliate server 1600 may be linked with the interface unit 1605 when a predetermined card registration terminal 1670 is connected to the affiliate server 1600 through the interface unit 1605. Interface providing unit 1610 for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined card registration application information from the card registration terminal 1670 to the card registration terminal 1670. (Or an interface providing means) and an information receiving unit for receiving predetermined card registration application information inputted (or selected) and transmitted from the card registration terminal 1670 through the user interface in cooperation with the interface unit 1605. (1615) (or information receiving means) and validity of checking the validity of issuing the affiliate card to the customer based on the received card registration application information Assign a lease card number from the increment 1620 (or validity authentication means) and at least one lease card number provided in the lease card number D / B 1655 as an affiliate card number for the registered affiliate card. A card number assignment unit 1630 (or card number assignment means), a card information generation unit 1635 (or information generation means) for generating predetermined association card information including the association card number, and the association card. The applet generating unit 1640 (or applet generating means) for generating a predetermined card applet (or IC chip storage information) including information; and storing the card applet (or IC chip storage information) through a predetermined wireless communication network. A card issuing unit 1650 (or card issuing means) for issuing the alliance card by providing it to a customer wireless terminal 1675 and recording it on a wireless IC chip provided in the customer wireless terminal 1675; And an information storage unit 1645 (or information storage means) for storing the affiliate card issuance information corresponding to the urgent affiliate card in the storage medium 1660.

In addition, after the predetermined affiliate card is issued through the card issuing unit 1650, the affiliate server 1600 may perform a predetermined communication means (for example, a dedicated communication network or a secure communication network based on encrypted communication). The card company server 1680 corresponding to the card issuing agency is provided with an information transmitting / receiving unit 1625 for transmitting customer information corresponding to the affiliated card, card information, and card attribute information.

In addition, the information transmitting and receiving unit 1625 is a rental card number D / B (1655) provided to the card issuing organization through the communication means when a predetermined cooperation card number is assigned by the card number assignment unit 1630 ) By sending the affiliate card number to a DBMS (or DB server) managing the lease card number D / B (1655) provided in the card issuing agency and the lease card number D / (provided in the card issuing affiliated agency) 1655).

In addition, when the predetermined partner card number is assigned by the card number assignment unit 1630, the information transmitting and receiving unit 1625 receives the card from the card company server 1680 corresponding to the card issuer through the communication means. The affiliate card number assigned by the number assignment unit 1630 is transmitted, and a card verification value (or verification code) corresponding to the affiliate card number from the card company server 1680 (e.g., CVV (Card Verification of Visa card) Value), CVC (Card Validation Code) of the master card, CID (Confidential Identifier Number or Card Identification Number) of the American Express card, and the like, and the card verification value (or verification code) in the rental card number ), The function of transmitting and receiving the card verification value (or verification code) for the association card number may be omitted.

The interface providing unit 1610 corresponds to a functional configuration provided in the card registration terminal 1670 when a predetermined card registration terminal 1670 is connected to the affiliate server 1600 through the interface unit 1605. Generate a predetermined user interface capable of inputting (or selecting) the card registration application information and transmitting it to the affiliate server 1600 via the network means, and / or extract from a predetermined database (not shown), It is characterized in that it provides the user interface generated (or extracted) in conjunction with the interface unit 1605 to the card registration terminal 1670 through the network means.

Thereafter, the card registration terminal 1670 inputs (or selects) the card registration application information based on the user interface, and inputs the input (or selected) card registration application information through the network means to the affiliate server ( 1600).

According to an exemplary embodiment of the present invention, when the card registration terminal 1670 is an employee terminal connected to a predetermined financial network, the interface providing unit 1610 may provide a card registration application program provided in the employee terminal. It is preferable to generate (or extract) a user interface of, and provide the generated (or extracted) user interface to the employee terminal through the interface unit 1605.

According to another embodiment of the present invention, when the card registration terminal 1670 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface providing unit 1610 is a browser program provided in the client terminal. And / or generate (or extract) a predetermined user interface that can be provided to a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 1605.

According to another exemplary embodiment of the present invention, when the card registration terminal 1670 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 1610 is a browser provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided by a program and / or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 1605.

The information receiving unit 1615 inputs (or selects) predetermined card registration application information from the card registration terminal 1670 through the user interface and transmits the information through the network means, and interlocks with the interface unit 1605. And receiving the card registration application information, and providing the received card registration application information to the validity authentication unit 1620.

According to an embodiment of the present invention, the card registration application information includes at least one or more card information of the card registration customer, customer wireless terminal 1675 information, and various card attribute information for setting card attributes for the affiliated card. It is made to include.

Here, the customer information is personal information of the card registered customer (for example, customer name, resident registration number, address, wireless terminal information (or mobile number), e-mail address, etc.), and the customer has subscribed to the affiliate server 1600. It is preferable to include at least one member information (eg, member ID information).

Further, the customer wireless terminal 1675 information may be unique information (eg, wireless terminal telephone number or address) of the customer wireless terminal 1675 equipped with a wireless IC chip capable of recording a card applet (or IC chip storage information). Information, or identification information, or ID information), and the like, and to a wireless terminal corresponding to the customer wireless terminal 1675 information for issuing a predetermined affiliate card through lease of the card number. It is preferable that a card applet (or IC chip storage information) corresponding to the affiliated card is provided.

Further, the card attribute information for the affiliate card may be assigned to a credit card attribute, a check card attribute, a debit card attribute, a cash card attribute, or a prepaid card attribute. It is preferable that the at least one attribute setting information for granting a.

For example, when assigning a credit card attribute to the affiliate card, the card attribute information may include credit inquiry consent information for issuing the affiliate card, and assigns a check card / debit card / cash card attribute to the affiliate card. In the case of granting, the card attribute information may include customer account information associated with the affiliate card. When the prepaid card attribute is assigned to the affiliate card, the card attribute information may be set to the affiliate card. It may include a prepaid card charging information for charging.

According to another embodiment of the present invention, when the card attribute is fixed by the card issuing affiliate (or card issuing authority) or is set in a policy, the card attribute information may be omitted, thereby limiting the present invention. Not.

The validity authentication unit 1620 checks the validity of issuing the alliance card to the customer based on the customer information and the customer wireless terminal 1675 information included in the received card registration application information. do.

According to the implementation method of the present invention, the validity confirmation for issuing the alliance card to the customer, based on the customer name and resident registration number included in the customer information, a predetermined real name verification server (not shown) It is preferable to include a) to confirm the real name of the customer in conjunction with).

In addition, when the affiliated card includes a credit card attribute, the validity check for issuing the affiliated card to the customer is based on a predetermined communication means based on the customer information. It is preferable to include the check the credit information of the customer in conjunction with).

In addition, when the affiliate card includes a check card / debit card attribute, the validity check for issuing the affiliate card to the customer is performed based on the customer information. It is preferable that the customer account associated with the card is formed in connection with a financial institution server (not shown) opened and confirming whether the customer account is opened and normally operated.

In addition, validity confirmation for issuing the alliance card to the customer includes subscriber management means (e.g., subscriber information D / B (not shown) and subscription management server) on the wireless communication network corresponding to the customer wireless terminal 1675 information. Etc.), and confirming that the customer wireless terminal 1675 information is valid.

The card number assignment unit 1630 is configured to allocate a predetermined rental card number to be assigned to the affiliated card from the rental card number D / B 1655 based on the card registration application information received through the information receiving unit 1615. Check and generate (or extract) a predetermined affiliate card number including the lease card number and assign it to the affiliate card. In response, the information transceiver 1625 is assigned to the affiliate card number. The card number is transferred to a DBMS (or DB server) that manages the rental card number D / B (1697) provided in the card issuing institution and the rental card number D / B (1655) provided in the card issuing affiliated institution. The rental card number D / B 1697 provided in the card issuing institution is synchronized.

According to an embodiment of the present invention, when the lease card number D / B 1655 is provided with a 16-digit lease card number, the card number allocator 1630 is configured to read a predetermined lease card number among the lease card numbers. It is preferable to extract by the affiliate card number.

According to another embodiment of the present invention, when the rental card number D / B 1655 is provided with a rental card number including a 9-digit serial number of the 16-digit card number, the card number assignment unit 1630 is provided. It is preferable to generate a predetermined affiliate card number including a rental card number, a card issuing agency information number, a card type number, and a check digit corresponding to the nine-digit serial number.

If the person having ordinary knowledge in the technical field to which the present invention belongs, if the lease card number follows a card number system other than the 16-digit card number, the lease card number to the affiliated card number according to the card number system Various implementation methods may be inferred, and the present invention is characterized by including all implementation methods inferred.

According to the exemplary embodiment of the present invention, when a predetermined cooperative card number is assigned by the card number assignment unit 1630, the information transmission / reception unit 1625 is a card company server corresponding to the card issuer through the communication means ( Transmits the affiliate card number assigned by the card number assignment unit 1630 to the card number assignment unit 1630, and a card verification value (or verification code) corresponding to the affiliate card number from the card company server 1680 (e.g., a visa card). It is preferable to receive the CVV (Card Verification Value), Master Card CVC (Card Validation Code), American Express Card CID (Confidential Identifier Number or Card Identification Number), and the card verification value in the rental card number (Or verification code) or when the card number assignment unit 1630 includes the function of generating the card verification value (or verification code), the information transmitting and receiving unit 1625 is performed. The function of transmitting and receiving a card verification value (or verification code) for the affiliated card number may be omitted.

When the association card number is generated (or extracted) as described above, the card information generation unit 1635 generates predetermined association card information including the association card number.

According to an embodiment of the present invention, the affiliate card information includes at least one affiliate card number, a card verification value (or verification code), the card expiration date (some may be omitted), and card issuer information (or code). It is preferable to make it.

For example, the card number (although some exceptions exist) preferably includes a four-digit card issuing organization number, a two-digit card type number, a nine-digit serial number, and a check digit.

The expiration date information is preferably made to include the period (or expiration date and time) that can be used for the affiliate card, it may be omitted if the expiration date does not exist in the affiliate card, thereby the present invention is not limited .

The card issuing organization information (or code) preferably comprises at least one or more unique numbers (or unique codes) assigned to the card issuing organization (or financial company) that issues the affiliate card to the customer.

When predetermined affiliated card information included in the affiliated card is generated by the card information generator 1635, the applet generator 1640 stores a predetermined card applet (or IC chip storage information) including the associated card information. The card applet (or IC chip storage information) can be recorded on a wireless IC chip provided in the customer wireless terminal 1675 and operated on a COS (Chip Operating System) on the wireless IC chip. It is preferable to include a file structure.

When the card applet (or IC chip storage information) is generated by the applet generating unit 1640, the card issuing unit 1650 is connected to the customer wireless terminal through a wireless communication network corresponding to the customer wireless terminal 1675 information. By transmitting the card applet (or IC chip storage information) to the 1675, the customer wireless terminal (1675) to record the card applet (or IC chip storage information) to the wireless IC chip provided in the wireless terminal It is characterized in that the cooperation card is issued to the customer.

Thereafter, the information storage unit 1645 stores the customer information included in the card registration application information received from the customer through the information receiving unit 1615 and the generated affiliate card information and card attribute information of the affiliate card. Characterized in that the at least one affiliate card issuance information is stored in the storage medium 1660.

Here, the customer information included in the affiliated card issuance information includes personal information of the card registered customer (for example, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.), and the customer It is preferable to include at least one member information (for example, member ID information) subscribed to the affiliate server 1600.

In addition, the card attribute information included in the affiliate card issuance information may be assigned to a credit card attribute, a check card attribute, a debit card attribute, a cash card attribute, or prepaid. At least one attribute setting information for imparting card attributes is preferably included.

For example, when assigning a credit card attribute to the affiliate card, the card attribute information includes various attribute information (eg, credit limit, etc.) for use in payment through a credit card payment system for issuing the affiliate card. When the check card / debit card / cash card attribute is given to the affiliate card, the card attribute information may include customer account information associated with the affiliate card, and the prepaid card attribute is added to the affiliate card. In the case of granting, the card attribute information may include information on the amount of charge charged in the affiliate card.

Those skilled in the art will be able to infer various technical configurations of the card attribute information, so a detailed description thereof will be omitted.

Referring to FIG. 16, a card company server 1680 of a card issuing organization connected to the affiliate server 1600 through a predetermined communication means receives a predetermined affiliate card number from the affiliate server 1600 through the communication means. An information transmitting / receiving unit 1685 (or an information receiving unit) that receives (or receives a card verification value (or verification code) request information) and the predetermined information from the affiliate server 1600 through the information transmitting / receiving unit 1685. When receiving an affiliate card number (or when a card verification value (or verification code) is requested), a verification card information generation unit 1690 generating a predetermined card verification value (or verification code) corresponding to the affiliate card number. And the information transmitting / receiving unit 1685 (or information transmitting means) transmits a card verification value (or verification code) corresponding to the affiliate card number to the affiliate server 1600. And that is characterized.

Those skilled in the art to which the present invention pertains, The verification card information generation unit 1690 is the CVV (Card Verification Value) of the Visa card, Master Card CVC (Card Validation Code), American Express of the card Since you will be familiar with the technical features for generating a card verification value (or verification code) including at least one CID (Confidential Identifier Number or Card Identification Number), a detailed description thereof will be omitted for convenience.

Referring to FIG. 16, the card company server 1680 of the card issuing organization connected to the affiliate server 1600 through a predetermined communication means may be the affiliate card issued from the affiliate server 1600 through the communication means. An information transmitting / receiving unit 1685 (or information receiving means) for receiving affiliate card issuance information including at least one of customer information corresponding to the at least one affiliate card information and card attribute information corresponding to the affiliate card, and the received customer. An information storage unit 1695 for storing affiliated card operation information obtained by linking information, affiliated card information, and card attribute information with affiliated agency information corresponding to the card issuing affiliated institution to predetermined card information D / B 1699; It is characterized by comprising.

Thereafter, the affiliated card operation information stored in the card information D / B 1699 is used by the card issuer to provide a payment service or various additional services in association with at least one affiliated store.

According to one embodiment of the present invention, the card information D / B 1699 is preferably provided in a DBMS on a predetermined financial system provided in the card issuing institution (or associated with the card issuing institution). The card information D / B 1699 may be a ledger D / B provided in a DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, whereby the present invention is not limited thereto. No.

According to another embodiment of the present invention, the card information D / B (1699) is an online payment system, and / or WAP-based wireless payment system, and / or IC chip provided (or associated) to the card issuing institution It is possible to be provided in the DBMS on at least one or more of the base wireless payment system, and / or the tele payment system, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the card information D / B 1699 is an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided to (or associated with) the card issuer. It is possible to be provided in the DBMS on at least one banking system of, and / or a TV banking system, whereby the present invention is not limited.

17 is a diagram illustrating a card registration process for issuing an affiliate card through card number rental according to an embodiment of the present invention.

In more detail, in FIG. 17, in the card registration system shown in FIG. 16, a predetermined customer creates a predetermined card registration application through a face-to-face card registration interface (e.g., the card registration application, employee terminal, and network means). And submit to the affiliated employee, the affiliated employee inputs (or selects) card registration application information corresponding to the card registration application through a predetermined card registration terminal 1670 and transmits the information to the affiliated server 1600. A process of issuing a predetermined affiliate card through the card number lease to the customer based on the card registration application information in the affiliate server 1600, specifically, the rental card number D / If the B (1655) is also provided to the card issuing affiliated institution, and also provided to the card issuing institution, the rental card number By synchronizing the D / B (1655) shows an exemplary method for registering / issuing the affiliated card.

Those skilled in the art to which the present invention pertains can deduce various implementation methods for issuing the alliance card for issuing the alliance card through lease of the card number by referring to and / or modifying the drawing 17. However, the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

For example, FIG. 17 illustrates that the affiliated card is produced and provided (or shipped) to the customer, and then the affiliated card issuance information is stored in the storage medium 1660. The process of storing the predetermined affiliate card issuance information in the storage medium 1660 may be performed before the affiliate card is produced or before the affiliate card is produced (or delivered) to the customer. The present invention is not limited.

Hereinafter, in FIG. 17, the card registration terminal 1670 shown in FIG. 16 is referred to as a "terminal" for convenience, and the affiliate server 1600 is referred to as a "server" for convenience.

Referring to FIG. 17, in order to issue the affiliated card for issuing an affiliated card through leasing the card number, the customer is prescribed through a face-to-face card registration interface (eg, the card registration application, employee terminal, and network means). When a card registration application (for example, a document having a form for filling in at least one information item for issuance of an affiliate card through lease of the card number) is completed and submitted to an affiliated employee, the terminal is connected by the affiliated employee. The card registration application information corresponding to the card registration application prepared by the customer is input (or selected) through a predetermined user interface (1700), and the card registration application information is transmitted to the server through the network means (1705). .

According to an embodiment of the present invention, the card registration application information includes customer information of the card registration customer and at least one or more kinds of card attribute information for setting card attributes for the affiliated card.

Here, the customer information is personal information of the card registered customer (for example, customer name, resident registration number, address, wireless terminal information (or mobile number), e-mail address, etc.), and the customer has subscribed to the affiliate server 1600. It is preferable to include at least one member information (eg, member ID information).

Further, the customer wireless terminal 1675 information may be unique information (eg, wireless terminal telephone number or address) of the customer wireless terminal 1675 equipped with a wireless IC chip capable of recording a card applet (or IC chip storage information). Information, or identification information, or ID information), and the like, and to a wireless terminal corresponding to the customer wireless terminal 1675 information for issuing a predetermined affiliate card through lease of the card number. It is preferable that a card applet (or IC chip storage information) corresponding to the affiliated card is provided.

Further, the card attribute information for the affiliate card may be assigned to a credit card attribute, a check card attribute, a debit card attribute, a cash card attribute, or a prepaid card attribute. It is preferable to include at least one or more attribute setting information to be provided.

For example, when assigning a credit card attribute to the affiliate card, the card attribute information may include credit inquiry consent information for issuing the affiliate card, and assigns a check card / debit card / cash card attribute to the affiliate card. In the case of granting, the card attribute information may include customer account information associated with the affiliate card. When the prepaid card attribute is assigned to the affiliate card, the card attribute information may be set to the affiliate card. It may include a prepaid card charging information for charging.

According to another embodiment of the present invention, when the card attribute is fixed by the card issuing affiliate (or card issuing authority) or is set in a policy, the card attribute information may be omitted, thereby limiting the present invention. Not.

Thereafter, the server receives and reads the card registration request information from the terminal through the network means and issues the affiliated card through leasing the card number to the customer based on the customer information included in the card registration request information. The card registration validity for issuing the affiliate card is verified (1710).

According to the implementation method of the present invention, the validity confirmation for issuing the alliance card to the customer, based on the customer name and resident registration number included in the customer information, a predetermined real name verification server (not shown) It is preferable to include a) to confirm the real name of the customer in conjunction with).

In addition, when the affiliated card includes a credit card attribute, the validity check for issuing the affiliated card to the customer is based on a predetermined communication means based on the customer information. It is preferable to include the check the credit information of the customer in conjunction with).

In addition, when the alliance card includes a check card / debit card attribute, the validity check for issuing the alliance card to the customer is based on the customer information. It is preferable that the customer account linked to the debit card is linked to a financial institution server (not shown) that is opened to check whether the customer account is opened and normally operated.

In addition, validity confirmation for issuing the alliance card to the customer includes subscriber management means (e.g., subscriber information D / B (not shown) and subscription management server) on the wireless communication network corresponding to the customer wireless terminal 1675 information. Etc.), and confirming that the customer wireless terminal 1675 information is valid.

If the validity to issue the affiliate card to the customer is not authenticated through the card registration application information (1715), the server provides card registration error information to the customer through the card registration interface (1720). Stop issuing the affiliate card to the customer.

On the other hand, if the validity to issue the alliance card to the customer is authenticated through the card registration application information (1715), the server extracts the lease card number to be assigned to the alliance card from the lease card number D / B 1655. Assign the card number assigned to the affiliated card number, and transmit the card number assigned to the affiliated card number to the DBMS (or DB server) managing the rental card number D / B 1697 provided in the card issuing institution through the communication means. By synchronizing the rental card number D / B (1655) provided in the card issuing affiliate institution and the rental card number D / B (1697) provided in the card issuing agency (1725).

Thereafter, the server transmits the affiliated card number to the card company server 1680 that has leased the lease card number through the communication means, and a verification value (or verification code) corresponding to the affiliated card number to the card company server 1680. Request a card verification value (or verification code) corresponding to the affiliate card number from the card company server 1680 (1730), and the affiliate card number and card verification value (or verification code). Predetermined affiliate card information is generated (1735).

Here, the affiliated card information may include a card number (eg, 16-digit card number) corresponding to the affiliated card, the received card verification value (or verification code), expiration date information (some may be omitted), and card issuer information ( Or code).

For example, the card number (although some exceptions exist) preferably includes a four-digit card issuing organization number, a two-digit card type number, a nine-digit serial number, and a check digit.

The expiration date information is preferably made to include the period (or when the expiration date) that can use the affiliate card, it may be omitted if the expiration date does not exist in the affiliate card, thereby the present invention is not limited .

The card issuing organization information (or code) preferably comprises at least one or more unique numbers (or unique codes) assigned to the card issuing organization (or financial company) that issues the affiliate card to the customer.

Thereafter, the server generates a predetermined card applet (or IC chip storage information) including the generated (or extracted) affiliate card information (1740), and generates the generated card applet (or IC chip storage information). The mobile station 1675 transmits the information to the customer wireless terminal 1675 through the wireless communication network corresponding to the customer wireless terminal 1675 information included in the card registration application information (1745).

Here, the card applet (or IC chip storage information) includes a file structure recorded on a wireless IC chip provided in the customer wireless terminal 1675 and operable on a chip operating system (COS) on the wireless IC chip. desirable.

According to the embodiment of the present invention, the server reads the customer wireless terminal 1675 information included in the card registration application information to identify a wireless communication network corresponding to the customer wireless terminal 1675 information, and the wireless communication network and It is preferable to transmit the generated card applet (or IC chip storage information) to the customer wireless terminal 1675 through a predetermined applet providing server 1665.

Those skilled in the art to which the present invention pertains, various methods of transmitting the card applet (or IC chip storage information) from the applet providing server 1665 to the customer wireless terminal (1675) (for example, The card applet (or IC chip storage information) transmission using a wireless message and a callback URL) may be inferred, but the present invention is characterized by including all the inferred implementation methods.

Thereafter, the customer wireless terminal 1675 records the received card applet (or IC chip storage information) on a wireless IC chip provided in the wireless terminal, thereby corresponding to the card applet (or IC chip storage information). Issue a card (1750).

Thereafter, the server issuing an affiliate card including at least one of customer information included in the card registration application information provided from the customer through the card registration interface, the generated affiliate card information, and card attribute information of the affiliate card. Information is stored in the storage medium 1660 (1755).

Here, the customer information included in the affiliated card issuance information includes personal information of the card registered customer (for example, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.), and the customer At least one member information (for example, member ID information) subscribed to the affiliate server 1600 may be included.

In addition, the card attribute information included in the affiliate card issuance information may be assigned to a credit card attribute, a check card attribute, a debit card attribute, a cash card attribute, or prepaid. At least one attribute setting information for imparting card attributes is preferably included.

For example, when assigning a credit card attribute to the affiliate card, the card attribute information includes various attribute information (eg, credit limit, etc.) for use in payment through a credit card payment system for issuing the affiliate card. When the check card / debit card / cash card attribute is given to the affiliate card, the card attribute information may include customer account information associated with the affiliate card, and the prepaid card attribute is added to the affiliate card. In the case of granting, the card attribute information may include information on the amount of charge charged in the affiliate card.

Those skilled in the art will be able to infer various technical configurations of the card attribute information, so a detailed description thereof will be omitted.

Thereafter, the server issues an at least one affiliate card including at least one customer information, card information, and card attribute information corresponding to the affiliate card to the card company server 1680 through the communication means to the card company server 1680. In operation 1760, the card company server 1680 stores the affiliate card operation information in the predetermined card information D / B 1699, which further includes the card issuing affiliate information in the affiliate card issuing information ( 1765).

According to one embodiment of the present invention, the card information D / B 1699 is preferably provided in a DBMS on a predetermined financial system provided in the card issuing institution (or associated with the card issuing institution). The card information D / B 1699 may be a ledger D / B provided in a DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, whereby the present invention is not limited thereto. No.

According to another embodiment of the present invention, the card information D / B (1699) is an online payment system, and / or WAP-based wireless payment system, and / or IC chip provided (or associated) to the card issuing institution It is possible to be provided in the DBMS on at least one or more of the base wireless payment system, and / or the tele payment system, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the card information D / B 1699 is an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided to (or associated with) the card issuer. It is possible to be provided in the DBMS on at least one banking system of, and / or a TV banking system, whereby the present invention is not limited.

18 is a diagram illustrating a card registration process for issuing an affiliate card through card number rental according to another embodiment of the present invention.

In more detail, FIG. 18 shows a non-face-to-face card registration interface (e.g., client terminal and network means including at least one wired terminal and / or wireless terminal) in a card registration system shown in FIG. After accessing the affiliate server 1600 through inputting (or selecting) predetermined card registration application information, the affiliate server 1600 rents the card number to the customer based on the card registration application information. As a process of issuing a predetermined affiliate card through a card, specifically, a rental card number D / B 1655 for storing the rental card number is provided in the card issuing affiliate institution and is also provided in the card issuing institution. The synchronization method of the rental card number D / B 1655 is shown to register / issue the affiliate card.

Those skilled in the art to which the present invention pertains can deduce various implementation methods for issuing the alliance card for issuance of the alliance card by leasing the card number by referring to and / or modifying the drawing 18. It will be appreciated that the present invention encompasses all of the inferred practice methods and is not limited to the practice method shown in FIG.

For example, FIG. 18 illustrates that the affiliate card is produced and provided (or shipped) to the customer, and then the affiliate card issuance information is stored in the storage medium 1660. The process of storing the predetermined affiliate card issuance information in the storage medium 1660 may be performed before the affiliate card is produced or before the affiliate card is produced (or delivered) to the customer. The present invention is not limited.

Hereinafter, in FIG. 18, the card registration terminal 1670 shown in FIG. 16 is referred to as a "terminal" for convenience, and the affiliate server 1600 is referred to as a "server" for convenience.

Referring to FIG. 18, the customer accesses the server through a predetermined terminal to connect a communication channel for card registration application, and the affiliate card for issuing an affiliate card through leasing the card number through the communication channel. The application is issued (1800), and in response, the server generates (or extracts) a user interface for issuing the alliance card and provides it to the terminal through the communication channel (1805).

Thereafter, the terminal receives (or selects) the card registration request information through the user interface and transmits the input (or select) the card registration request information to the server through the communication channel (1810).

According to an embodiment of the present invention, the card registration application information includes customer information of the card registration customer and at least one or more kinds of card attribute information for setting card attributes for the affiliated card.

Here, the customer information is personal information of the card registered customer (for example, customer name, resident registration number, address, wireless terminal information (or mobile number), e-mail address, etc.), and the customer has subscribed to the affiliate server 1600. It is preferable to include at least one member information (eg, member ID information).

Further, the customer wireless terminal 1675 information may be unique information (eg, wireless terminal telephone number or address) of the customer wireless terminal 1675 equipped with a wireless IC chip capable of recording a card applet (or IC chip storage information). Information, or identification information, or ID information), and the like, and to a wireless terminal corresponding to the customer wireless terminal 1675 information for issuing a predetermined affiliate card through lease of the card number. It is preferable that a card applet (or IC chip storage information) corresponding to the affiliated card is provided.

Further, the card attribute information for the affiliate card may be assigned to a credit card attribute, a check card attribute, a debit card attribute, a cash card attribute, or a prepaid card attribute. It is preferable to include at least one or more attribute setting information to be provided.

For example, when assigning a credit card attribute to the affiliate card, the card attribute information may include credit inquiry consent information for issuing the affiliate card, and assigns a check card / debit card / cash card attribute to the affiliate card. In the case of granting, the card attribute information may include customer account information associated with the affiliate card. When the prepaid card attribute is assigned to the affiliate card, the card attribute information may be set to the affiliate card. It may include a prepaid card charging information for charging.

According to another embodiment of the present invention, when the card attribute is fixed by the card issuing affiliate (or card issuing authority) or is set in a policy, the card attribute information may be omitted, thereby limiting the present invention. Not.

Thereafter, the server receives and reads the card registration request information from the terminal through the network means, and issues an affiliated card through leasing the card number to the customer based on the customer information included in the card registration request information. The card registration validity of the issuing of the affiliate card is verified (1815).

According to the implementation method of the present invention, the validity confirmation for issuing the alliance card to the customer, based on the customer name and resident registration number included in the customer information, a predetermined real name verification server (not shown) It is preferable to include a) to confirm the real name of the customer in conjunction with).

In addition, when the affiliated card includes a credit card attribute, the validity check for issuing the affiliated card to the customer is based on a predetermined communication means based on the customer information. It is preferable to include the check the credit information of the customer in conjunction with).

In addition, when the affiliate card includes a check card / debit card attribute, the validity check for issuing the affiliate card to the customer is performed based on the customer information. It is preferable that the customer account associated with the card is formed in connection with a financial institution server (not shown) opened and confirming whether the customer account is opened and normally operated.

In addition, validity confirmation for issuing the alliance card to the customer includes subscriber management means (e.g., subscriber information D / B (not shown) and subscription management server) on the wireless communication network corresponding to the customer wireless terminal 1675 information. Etc.), and confirming that the customer wireless terminal 1675 information is valid.

If the validity to issue the affiliate card to the customer is not authenticated through the card registration application information (1820), the server provides the card registration error information to the customer through the card registration interface (1825). Stop issuing the affiliate card to the customer.

On the other hand, if the validity to issue the alliance card to the customer is authenticated through the card registration application information (1820), the server extracts the lease card number to be assigned to the alliance card from the lease card number D / B 1655. Assign the card number assigned to the affiliated card number, and transmit the card number assigned to the affiliated card number to the DBMS (or DB server) managing the rental card number D / B 1697 provided in the card issuing institution through the communication means. In operation 1830, the rental card number D / B 1655 provided in the card issuing affiliate institution and the rental card number D / B 1697 provided in the card issuing institution are synchronized.

Thereafter, the server transmits the affiliated card number to the card company server 1680 that has leased the lease card number through the communication means, and a verification value (or verification code) corresponding to the affiliated card number to the card company server 1680. Request a card verification value (or verification code) corresponding to the affiliate card number from the card company server 1680 (1835), and the affiliate card number and card verification value (or verification code). The predetermined affiliate card information including the generated information is generated (1840).

Here, the affiliated card information may include a card number (eg, 16-digit card number) corresponding to the affiliated card, the received card verification value (or verification code), expiration date information (some may be omitted), and card issuer information ( Or code).

For example, the card number (although some exceptions exist) preferably includes a four-digit card issuing organization number, a two-digit card type number, a nine-digit serial number, and a check digit.

The expiration date information is preferably made to include the period (or expiration date and time) that can be used for the affiliate card, it may be omitted if the expiration date does not exist in the affiliate card, thereby the present invention is not limited .

The card issuing organization information (or code) preferably comprises at least one or more unique numbers (or unique codes) assigned to the card issuing organization (or financial company) that issues the affiliate card to the customer.

Thereafter, the server generates a predetermined card applet (or IC chip storage information) including the generated (or extracted) affiliate card information (1845), and stores the generated card applet (or IC chip storage information). In operation 1850, the client wireless terminal 1675 transmits the information to the customer wireless terminal 1675 through the wireless communication network corresponding to the customer wireless terminal 1675 information included in the card registration application information.

Here, the card applet (or IC chip storage information) includes a file structure recorded on a wireless IC chip provided in the customer wireless terminal 1675 and operable on a chip operating system (COS) on the wireless IC chip. desirable.

According to the embodiment of the present invention, the server reads the customer wireless terminal 1675 information included in the card registration application information to identify a wireless communication network corresponding to the customer wireless terminal 1675 information, and the wireless communication network and It is preferable to transmit the generated card applet (or IC chip storage information) to the customer wireless terminal 1675 through a predetermined applet providing server 1665.

Those skilled in the art to which the present invention pertains, various methods of transmitting the card applet (or IC chip storage information) from the applet providing server 1665 to the customer wireless terminal (1675) (for example, The card applet (or IC chip storage information) transmission using the wireless message and the callback URL) may be inferred, but the present invention is characterized by including all the inferred implementation methods.

Thereafter, the customer wireless terminal 1675 records the received card applet (or IC chip storage information) on a wireless IC chip provided in the wireless terminal, thereby corresponding to the card applet (or IC chip storage information). Issue a card (1855).

Thereafter, the server issuing an affiliate card including at least one of customer information included in the card registration application information provided from the customer through the card registration interface, the generated affiliate card information, and card attribute information of the affiliate card. Information is stored in the storage medium 1660 (1860).

Here, the customer information included in the affiliated card issuance information includes personal information of the card registered customer (for example, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.), and the customer At least one member information (for example, member ID information) subscribed to the affiliate server 1600 may be included.

In addition, the card attribute information included in the affiliate card issuance information may provide a credit card attribute, a check card attribute, a debit card attribute, a cash card attribute, or prepaid to the affiliate card. At least one attribute setting information for imparting card attributes is preferably included.

For example, when assigning a credit card attribute to the affiliate card, the card attribute information includes various attribute information (eg, credit limit, etc.) for use in payment through a credit card payment system for issuing the affiliate card. When the check card / debit card / cash card attribute is given to the affiliate card, the card attribute information may include customer account information associated with the affiliate card, and the prepaid card attribute is added to the affiliate card. In the case of granting, the card attribute information may include information on the amount of charge charged in the affiliate card.

Those skilled in the art will be able to infer various technical configurations of the card attribute information, so a detailed description thereof will be omitted.

Thereafter, the server issues an at least one affiliate card including at least one customer information, card information, and card attribute information corresponding to the affiliate card to the card company server 1680 through the communication means to the card company server 1680. The card company server 1680 transmits the information (1865), and stores the affiliate card operation information, which further includes the card issuing affiliate information, in the predetermined card information D / B 1699 (the card company server 1680). 1870).

According to one embodiment of the present invention, the card information D / B 1699 is preferably provided in a DBMS on a predetermined financial system provided in the card issuing institution (or associated with the card issuing institution). The card information D / B 1699 may be a ledger D / B provided in a DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, whereby the present invention is not limited thereto. No.

According to another embodiment of the present invention, the card information D / B (1699) is an online payment system, and / or WAP-based wireless payment system, and / or IC chip provided (or associated) to the card issuing institution It is possible to be provided in the DBMS on at least one or more of the base wireless payment system, and / or the tele payment system, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the card information D / B 1699 is an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided to (or associated with) the card issuer. It is possible to be provided in the DBMS on at least one banking system of, and / or a TV banking system, whereby the present invention is not limited.

According to the present invention, a predetermined amount of card numbers are leased from a predetermined card issuing agency to a predetermined card issuing affiliated institution, and then the card issuing affiliate is predetermined to a customer of the card issuing affiliate through the leased card number. By issuing an affiliate card, there is an advantage of reducing the time required to issue an affiliate card.

According to the present invention, a part of the card issuing agency is in charge of the card issuing affiliated agency through the collective leasing method of the card number, thereby greatly reducing the amount of work associated with the affiliated card in the work of the card issuing institution.

Claims (4)

When at least one card number is leased from the card company to the affiliate company, storing at least one lease card number to be assigned to the affiliate card in the information storage means in the lease card number D / B; Allocating one card number from one of the rental card numbers stored in the rental card number D / B to the alliance card number in the card number assignment means when issuing the alliance card at the affiliate company; Generating affiliate card information including the affiliate card number in card information generating means; And transmitting the alliance card information to a card company server that has rented the card number in an information transmission means. A computer-readable recording medium having recorded thereon a program for executing the method of claim 1. Information storing means for storing at least one lease card number to be assigned to the affiliate card in a lease card number D / B; Card number assignment means for allocating a card number of one of the rental card numbers stored in the rental card number D / B as an affiliate card number when issuing an affiliate card from an affiliate company; Card information generating means for generating affiliate card information including the affiliate card number; And an information transmitting means for transmitting the affiliated card information to a card company server that has rented the card number. The method of claim 3, wherein the affiliate card, Alliance card issuance system through a card number rental, characterized in that it comprises at least one credit card, check card, debit card.

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