KR100877866B1 - System and Method for Registering Affiliated Card and Program Recording Medium - Google Patents

Abstract

The present invention relates to an alliance card registration method and system and a recording medium therefor, wherein the alliance card registration method according to the present invention includes predetermined customer wireless terminal information in a predetermined information receiving means when a predetermined affiliate card is registered at a predetermined affiliate company. Receiving a; and the step of allocating the customer wireless terminal information to the alliance card as an alliance card number in a predetermined card number assignment means, and affiliation card information including the alliance card number in a predetermined card information generation means. Generating and storing the affiliate card information and the seal card information (or seal card number) corresponding to the association card in a predetermined storage medium in a predetermined information storage means.

Alliance card, registration, wireless terminal

Description

System and Method for Registering Affiliated Card and Program Recording Medium}

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

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

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

4 is a diagram illustrating a process of registering real card information (or real card number) for issuing an affiliate card using customer wireless terminal information (or membership card number) according to one embodiment of the present invention.

5 is a diagram illustrating a process of registering real card information (or real card number) for issuing an affiliate card using customer wireless terminal information (or membership card number) according to another exemplary embodiment of the present invention.

6 is a diagram illustrating a card registration system for issuing an affiliate card in the form of MS / IC using an affiliate card number according to another embodiment of the present invention.

7 is a diagram illustrating a card registration process for issuing an affiliate card using an affiliate card number according to an exemplary embodiment of the present invention.

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

9 is a diagram illustrating a process of registering real card information (or real card number) for issuing an affiliate card using customer wireless terminal information (or membership card number) according to one embodiment of the present invention.

FIG. 10 is a diagram illustrating a process of registering real card information (or real card number) for issuing an affiliate card using customer wireless terminal information (or membership card number) according to another exemplary embodiment of the present invention.

11 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) using an affiliate card number according to an embodiment of the present invention.

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

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

14 is a diagram illustrating a process of registering real card information (or real card number) for issuing an affiliate card using customer wireless terminal information (or membership card number) according to one embodiment of the present invention.

15 is a diagram illustrating a process of registering real card information (or real card number) for issuing an affiliate card using customer wireless terminal information (or membership card number) according to another embodiment of the present invention.

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) using an affiliate card number according to another embodiment of the present invention.

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

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

19 is a diagram illustrating a process of registering real card information (or real card number) for issuing an affiliate card using customer wireless terminal information (or membership card number) according to one embodiment of the present invention.

20 is a diagram illustrating a process of registering real card information (or real card number) for issuing an affiliate card using customer wireless terminal information (or membership card number) according to another embodiment of the present invention.

<Description of main parts of drawing>

100: affiliate server 105: interface unit

110: interface providing unit 115: information receiving unit

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

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

140: information storage unit 145: card issuing unit

150: card company server 155: information transmitting and receiving unit

160: card information (number) extraction unit 165: verification information generation unit

170: card information generation unit 175: information storage unit

180: Customer Information D / B 185: Storage Media

190: Real card number D / B 195: Card information D / B

The present invention comprises the steps of receiving a predetermined membership card number at a predetermined information receiving means, when registering a predetermined affiliate card at a predetermined affiliate company, and assigning the membership card number to the associated card at a predetermined card number assignment means as an affiliate card number. Assigning, generating affiliation card information including the affiliation card number in a predetermined card information generating means, and real card information (or a real card information corresponding to the affiliation card information and the affiliation card in a predetermined information storage means); It relates to a partnership card registration method comprising the step of storing in a predetermined storage medium in association with the (card number).

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 the card issuance takes several days to weeks, as well as the problem that takes more time until the card issuance results are provided to the affiliate customer.

SUMMARY OF THE INVENTION An object of the present invention for solving the above problems is an information receiving means for receiving predetermined customer wireless terminal information when a predetermined affiliate card is registered in a predetermined affiliate company, and the customer wireless terminal information is assigned to the associated card as an affiliate card number. Card information assignment means for allocating, card information generation means for generating affiliation card information including the affiliation card number, and real card information (or real card number) corresponding to the affiliation card information and the affiliation card. It is to provide an affiliated card registration system having an information storage means for storing in a storage medium of.

The affiliated card registration method according to the present invention comprises the steps of: receiving predetermined customer wireless terminal information from a predetermined information receiving means when registering a predetermined affiliated card with a predetermined affiliate; Allocating customer wireless terminal information to an alliance card number, generating alliance card information including the alliance card number in a predetermined card information generating means, and prescribing the alliance card information and the alliance card in a predetermined information storage means. And storing in a predetermined storage medium in association with real card information (or real card number) corresponding to the storage card.

On the other hand, the affiliated card registration method according to the present invention comprises the steps of: receiving a predetermined membership card number from a predetermined information receiving means when registering a predetermined affiliate card with a predetermined affiliate; Allocating the membership card number as an affiliate card number; generating affiliate card information including the affiliate card number in a predetermined card information generating means; and the affiliate card information and the affiliate card in a predetermined information storage means. And storing in a predetermined storage medium in association with real card information (or real card number) corresponding to the storage card.

According to the present invention, the affiliated card registration method further comprises the step of transmitting the affiliated card information to a card company server having the actual card information (or real card number) by a predetermined information transmitting means. do.

On the other hand, the present invention includes a recording medium, characterized in that the program for executing the above-mentioned association card registration method recorded.

On the other hand, the affiliated card registration system according to the present invention includes information receiving means for receiving predetermined customer wireless terminal information when a predetermined affiliated card is registered at a predetermined affiliated company, and the customer wireless terminal information is assigned to the affiliated card as an affiliated card number. Card information assignment means for allocating, card information generation means for generating affiliation card information including the affiliation card number, and real card information (or real card number) corresponding to the affiliation card information and the affiliation card. Characterized in that the information storage means for storing in the storage medium of the.

On the other hand, the affiliated card registration system according to the present invention comprises information receiving means for receiving a predetermined membership card number when a predetermined affiliated card is registered at a predetermined affiliated party, and assigning the membership card number to the affiliated card as an affiliated card number. Card number assignment means, card information generation means for generating affiliation card information including the association card number, and predetermined storage in association with the association card information and real card information (or real card number) corresponding to the association card; And information storage means for storing in the medium.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In 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 will be used to appropriately modify, integrate, or separate the terminology so that those skilled in the art to which the present invention pertains may clearly understand the present invention. The present invention is by no means limited thereto. 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 an affiliate card in the form of MS / IC using an affiliate card number according to an embodiment of the present invention.

In more detail, FIG. 1 illustrates that when a predetermined customer provides card registration application information for issuing an affiliate card using a predetermined affiliate card number to a card issuing affiliate institution through a predetermined card registration interface, the card issuing affiliated institution may request the card issuing partner. Based on the provided card registration application information, the customer first issues an affiliate card in the form of an MS (Magnetic Stripe) card or an IC (Integrated Circuit) card including a predetermined affiliate card number, and then cooperates with the card issuing affiliated institution. A system configuration for registering after registering a predetermined room card number associated with the affiliated card number in the card issuing institution, specifically, at least one room card number to be associated with the affiliated card number is predetermined room in a batch lease method. It is provided in the card number D / B 190, or predetermined real card number D / B 190 in a real-time lease From shows an exemplary method for real-time chaebeon the room card number.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 1 to infer various implementation methods for configuring a card registration system for issuing an affiliate card using the affiliate 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 100" for convenience, and the card issuing agency provided with the affiliate server 100 may be a mobile communication company affiliated with the card issuing institution, various wireless communication companies, various wired communication companies, It is preferable to include at least one or more portal operators.

Referring to FIG. 1 according to an embodiment of the present invention, a card registration system for issuing an affiliate card using the affiliate card number is provided 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 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 institution for issuing an affiliate card through the card number leasing and through the counter provided to the card issuing institution (or through an affiliated employee). Fill out a predetermined card registration application for issuing an affiliate card using a number (e.g., a document with a form for filling in at least one information item for issuing an affiliate card using the affiliate card number) and / or the affiliate employee Visit the customer to have the customer fill out a predetermined card registration application for issuing an affiliate card using the affiliate card number), and submit the completed card registration application to an affiliated employee. Enter the information filled in the card registration application through the employee's terminal (or ), And the staff terminal is preferably sent to the affiliate server 100 provided in the card-issuing partners through the network means to the information, the input (or selected).

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 that the customer creates, the employee terminal used by the affiliated employee and the financial network connecting the employee terminal and the affiliated server 100 are the customer's card number. It performs a function of a card registration interface for registering card registration application information for issuing an affiliate card through lease.

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 using the affiliate 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 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 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 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 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, in addition to the employee terminal and / or client terminal, a predetermined financial network (eg, A financial automatic machine (not shown) including an automatic teller machine (ATM), a cash dispenser (CD) connected to a financial common network, and / or a predetermined public telephone network 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 wireless telephone network such as a mobile communication network or 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 further comprising a predetermined call terminal (not shown) connected to the card issuing organization. Bourbon) (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 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 the lease of the card number, and / or the card registration. When the terminal is the call terminal (not shown), the wired telephone network and / or the wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the affiliate server 100 may be used by the customer. Performs a function of a card registration interface for registering card registration application information for issuing an affiliate card through number rental, and / or the card registration terminal In the case of 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) Network connecting the affiliate server 100 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.

The card issuing affiliate institution is provided with a customer information D / B (180) for linking and processing the customer information and the predetermined customer wireless terminal information, or predetermined predetermined issued to the customer by the customer information and the card issuing affiliate institution Customer information D / B (180) having a customer information D / B 180 to associate and store the membership card number of the customer information, or the customer information D / B (180) to associate and store the customer information and the customer wireless terminal information and membership card number The customer information D / B (180) is provided in a predetermined DB server provided in the card issuing affiliated organizations according to the intention of the skilled person (or the area of the card issuing affiliated organization) It is possible to be provided in a DBMS (or DB server) provided in an external organization that shares customer information with the card issuing affiliated institution.

Here, the customer wireless terminal information may be a wireless terminal telephone number (for example, a mobile communication telephone number), or a wireless terminal unique number (for example, an electronic serial number (ESN)), or a wireless terminal address (for example, an IP address or a MIP address). Etc.), and the membership card number preferably includes a card number system of a membership card issued to the customer by the card issuing affiliate institution.

The storage medium 185 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, and then the customer information according to the issuance of the alliance card. And affiliate card information and card attribute information and affiliate card issuance information including at least one or more of the customer wireless terminal information (or membership card number), wherein the affiliate card issuance is stored in the storage medium 185. The information is used by the card issuing affiliate to provide the affiliate card related service through the lease of the card number.

According to another exemplary embodiment of the present invention, the storage medium 185 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. Preferably, the storage medium 185 is 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 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 through the network means. do.

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

According to another embodiment of the present invention, when the card registration terminal is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 105 is based on the protocol stack defined in the wired communication network. It is preferable to provide a communication interface for connecting at least one communication channel with a 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, 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 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, when the card registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 105 is based on a protocol stack defined in the wireless communication network. It is preferable to connect a predetermined communication channel with the client terminal, and to provide a communication interface for transmitting and receiving at least one or more 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 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. .

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 connected with the interface unit 105 when a predetermined card registration terminal is connected to the affiliate server 100 through the interface unit 105. An interface providing unit 110 (or interface providing means) for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined card registration application information to the card registration terminal; An information receiving unit 115 (or information receiving means) for receiving predetermined card registration application information which is input (or selected) and transmitted from the card registration terminal through the user interface in association with the interface unit 105; Validation authentication unit 120 (or validity verification to confirm the validity of issuing the affiliate card to the customer based on the registered card registration application information) An association card number assignment unit for allocating a portion (or all) of the number including the increase means) and the customer wireless terminal information (or membership card number) included in the card registration application information to the card number of the registered affiliate card; 130 (or an association card number assignment means), an association card information generation unit 135 (or information generation means) for generating predetermined association card information including the association card number, and a predetermined card registration apparatus. A card issuing unit 145 (card issuing means) for issuing a predetermined alliance card including the alliance card information through the storage medium 185 and the predetermined alliance card issuance information corresponding to the alliance card issued to the customer. It is characterized in that it comprises an information storage unit 140 (or information storage means) for storing in.

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) And an information transmitting / receiving unit 125 which transmits customer information corresponding to the affiliated card, affiliated card information (or associated card number), and card attribute information to the card company server 150 corresponding to the card issuer. It features.

The information transmitting and receiving unit 125 may receive predetermined seal card information (or seal card information) processed in association with the affiliate card information (or affiliate card number) from the card company server 150. The information storage unit 140 further includes the actual card information (or actual card number) in the affiliate card issuance information and stores the information in the storage medium 185 (eg, customer information and affiliate card information (or affiliate card). Number), card attribute information, and real card information (or real card number) in association with each other.

The interface providing unit 110, when a predetermined card registration terminal is connected to the affiliate server 100 through the interface unit 105, the card registration application information corresponding to the functional configuration provided in the card registration terminal; Generate a predetermined user interface which can be input (or selected) and transmitted to the affiliate server 100 via the network means, and / or extract from a predetermined database (not shown), and with the interface unit 105 And providing the generated (or extracted) user interface to the card registration terminal through the network means.

Thereafter, the card registration terminal 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 100 through the network means. send.

According to an embodiment of the present invention, when the card registration terminal is an employee terminal connected to a predetermined financial network, the interface providing unit 110 may provide a predetermined user interface that can be provided by a card registration application program included in the employee terminal. It is preferable to generate (or extract) and provide the generated (or extracted) user interface to the employee terminal through the interface unit 105.

According to another exemplary embodiment of the present invention, when the card registration terminal is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface providing unit 110 may include a browser program and / or provided in the client terminal. It is preferable to 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 105.

According to another exemplary embodiment of the present invention, when the card registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 110 may include a browser program provided in the client terminal and / or Alternatively, it is preferable to 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 105.

When the information receiving unit 115 inputs (or selects) predetermined card registration application information through the user interface from the card registration terminal and transmits the information through the network means, the card registration unit interlocks with the interface unit 105 to register the card. Characterized in that it receives the application information, and provides the received card registration application information to the validity authentication unit 120.

According to an embodiment of the present invention, the card registration application information is included in customer information of the card registration customer, various card attribute information for setting a card attribute for the affiliate card, and a card number to be assigned to the affiliate card. It includes at least one or more customer wireless terminal information (or membership card number).

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 firing. 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.

In addition, the customer wireless terminal information (or membership card number) included in the card number to be assigned to the alliance card is characterized in that it comprises information to be included in the predetermined card number to be assigned to the alliance card issued to the customer, When the customer information and the customer wireless terminal information are stored in association with a predetermined customer information D / B 180 provided to (or linked to) the card issuing affiliated institution, the card registration request information is stored in the wireless information of the customer. Including the terminal information to transmit, or if the customer information and the membership card number is stored in association with the customer information D / B (180) provided (or associated) in the card issuing affiliate, the card It is desirable to include the wireless terminal information of the customer in the registration application information to be transmitted.

According to an embodiment of the present invention, the card issuing affiliate institution includes at least one or more mobile carriers and various wireless telecommunication companies affiliated with the card issuing agency, or the card issuing affiliate institution is the customer wireless terminal during the membership registration process. At least one of a radio terminal telephone number (e.g., a mobile communication telephone number), a radio terminal unique number (e.g., an ESN (Electronic Serial Number)), or a radio terminal address (e.g., an IP address, a MIP address, etc.) When receiving the wireless terminal information including the above and stored in the predetermined customer information D / B (180) in connection with the customer information, the affiliate server 100 the wireless terminal information of the customer in the card registration application information It is preferable to transmit, including, the wireless terminal phone number (eg, mobile communication phone number), or radio terminal included in the customer wireless terminal information The wireless terminal information including at least one of a number (for example, an electronic serial number (ESN)) or a wireless terminal address (for example, an IP address or a MIP address) may be obtained through the card registration system shown in FIG. It is preferably included in the affiliate card number to be issued to the customer.

According to another embodiment of the present invention, the card issuing affiliate institution issues a predetermined membership card to the customer, and the customer information and the predetermined customer information D / B 180 provided at the card issuing affiliate institution. When the membership card number is stored in association, the affiliate server 100 preferably transmits the membership card number previously issued to the customer in the card registration application information, and the membership card number is shown in FIG. 1. It is preferably included in the affiliate card number to be issued to the customer through the card registration system shown in.

According to another exemplary embodiment of the present invention, a predetermined customer unique number assigned to the customer by the card issuing affiliate institution is linked to the customer information in the customer information D / B 180 provided at the card issuing affiliate institution. If processed and stored, the customer unique number may be further included in the card registration application information instead of the customer wireless terminal information (or membership card number), and the present invention is not limited thereto.

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.

When the customer wireless terminal information is included in the card registration request information according to an embodiment of the present invention, and the customer information and predetermined customer wireless terminal information are stored in the customer information D / B 180 in association with each other, Validation of the issuance of the alliance card to the customer may include comparing the customer wireless terminal information included in the card registration application information with the customer wireless terminal information stored in the customer information D / B 180. Preferably, the wireless terminal information includes checking whether the wireless terminal information includes the wireless terminal information actually used by the customer.

According to another embodiment of the present invention, when the membership card number is included in the card registration application information, and the customer information and the predetermined membership card number are stored in association with the customer information D / B 180, the Validation of the issuance of the affiliate card to the customer, the membership card number is compared to the membership card number contained in the card registration application information and the membership card number stored in the customer information D / B (180) It is preferable that the card issuing affiliated organization includes checking whether the membership card number previously issued to the customer is included.

A wireless terminal telephone number (for example, a mobile communication telephone number), or a wireless terminal unique number, in the card registration application information received through the information receiving unit 115 (or validity verified through the validity authentication unit 120). (E.g., an electronic serial number (ESN)) or wireless terminal information including at least one or more of a wireless terminal address (for example, an IP address or a MIP address), etc., the affiliated card number assignment unit 130 Is characterized in that part (or all) of the numbers included in the customer secret terminal information is assigned to the card number of the registered affiliate card.

According to an embodiment of the present invention, when the customer wireless terminal information included in the card registration application information includes the wireless terminal telephone number (for example, a mobile communication telephone number), the affiliated card number assignment unit 130 may be configured as the above. It is preferable to assign the radio terminal telephone number as an affiliate card number.

For example, when the wireless terminal telephone number (e.g., mobile communication telephone number) is made of "010-1234-9876", the alliance card number assignment unit 130 stores the card "01012349876" as it is. The number may be assigned, and according to the intention of the person skilled in the art, a predetermined identification number may be further included in front of the radio terminal telephone number, or a predetermined check digit may be further included in the rear end of the radio terminal telephone number.

Alternatively, when the customer wireless terminal information included in the card registration application information includes the wireless terminal telephone number (eg, a mobile communication telephone number), the alliance card number assignment unit 130 may be a part of the wireless terminal telephone number. Is preferably assigned to the affiliate card number.

For example, when the wireless terminal telephone number (for example, the mobile communication telephone number) is composed of "010-1234-9876", the affiliated card number assignment unit 130 corresponds to the first three corresponding to the mobile communication identification number among the telephone numbers. Select one of the digits (for example, if the mobile identification number is "011", "1", "016", "6", "017" "7", "018" "8", "019") &Quot; 0 ", etc. for " 9 ", " 010 ", 16-digit card number (e.g., &lt; RTI ID = 0.0 &gt;) &lt; / RTI &gt; 4 digit card company number, 2 digit card type number, 9 digit serial number (or unique number) and 1 digit check digit) can be generated and assigned to the affiliated card number.

Those skilled in the art to which the present invention belongs, the customer wireless terminal information is the wireless terminal unique number (e.g. ESN (Electronic Serial Number)), or wireless terminal address (e.g. IP address, or MIP address) Etc.), it is possible to infer various implementation methods for allocating a part or all of the numbers included in the wireless terminal information to the card number of the registered affiliated card. It is characterized by including all the implementation method, in the Figure 1 will be omitted for illustration for convenience.

The card registration application information received through the information receiving unit 115 (or validated through the validity authentication unit 120) includes a membership card number previously issued to the customer by the card issuing affiliate institution. In this case, the alliance card number assignment unit 130 may assign a portion (or all) of the numbers included in the customer secret information to the card number of the registered alliance card.

According to an embodiment of the present invention, if the card registration application information includes a membership card number that follows a predetermined card number system, the affiliate card number assignment unit 130 converts the wireless terminal telephone number into an affiliate card number as it is. Preferably, in this case, the affiliate card information generation unit 135 generates affiliate card information including the affiliate card number, or the card issuer 145 includes the affiliate card information. The function of producing and providing (or delivering) to the customer is omitted, and the membership card can be used as the affiliate card as it is.

Or, if a membership card number that follows a predetermined card number system is included, the affiliated card number assignment unit 130 preferably allocates a part of the radio terminal telephone number as a card number for the registered partnership card. Do.

For example, when the card registration request information includes a membership card number that follows a predetermined card number system, the affiliated card number assignment unit 130 extracts a number that does not overlap on the card number system, and extracts the extracted number. It is preferable to assign a card number using a unique number (or serial number) for the association card.

If one of ordinary skill in the art to which the present invention belongs, it extracts the non-overlapping number corresponding to each membership card number system, and the extracted number as a unique number (or serial number) for the affiliate card Since various implementation methods may be inferred, a detailed description thereof will be omitted for convenience.

When the number including the customer wireless terminal information (or membership card number) is assigned to the card number of the affiliate card as described above, the affiliate card information generation unit 135 includes predetermined affiliate card information including the affiliate card number. It characterized in that to generate.

According to an embodiment of the present invention, the affiliated card information includes the affiliated card number, the card verification value (or verification code), the card expiration date (some may be omitted), the card issuing affiliated agency information and the card issuing agency information (or code It is preferable to comprise at least one).

When predetermined affiliated card information included in the affiliated card is generated by the affiliated card information generation unit 135, the card issuing unit 145 includes the affiliated card information including the affiliated card information through a predetermined card issuing device. Producing (or having the affiliate card information in the affiliate card), the affiliate card is provided (or shipped) to the customer.

If the affiliate card is an MS (Magnetic Stripe) card, the card issuing device records the affiliate card information on at least one or more MS tracks (eg, track I, track II, track III) included in the affiliate card. In this case, the affiliate 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 uses the card registration device. By recording the affiliate card information in at least one MS track, 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 issuing device includes a device for recording the affiliated card information in a memory provided in the IC chip of the affiliated card, wherein the affiliated card information The generation unit 135 generates the affiliated card information in a file structure operable through a COS (Chip Operating System) provided in the IC chip, and the card issuing unit 145 performs the cooperation through the card registration device. By recording card information into 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.

According to another embodiment of the present invention, when the at least one affiliate card including the affiliate card information is provided at the card issuing affiliate institution, the affiliate card number assignment unit 130 is provided to the customer among the affiliate cards ( Alternatively, it is possible to replace the alliance card number assignment process by confirming the card number (or card information) provided in a predetermined alliance card to be shipped. In this case, the alliance card information generation unit 135 and the card issuing unit ( 145 may be omitted, and the present invention is not limited thereto.

Thereafter, the information storage unit 140 includes customer information included in the card registration application information received from the customer through the information receiving unit 115, the generated affiliate card information, card attribute information for the affiliate card, and the like. And storing the affiliated card issuance information including at least one of the customer wireless terminal information (or a membership card number) in the storage medium 185.

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 firing 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 about a charge amount charged in the affiliated 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.

A predetermined affiliate card number is assigned by the affiliate card number assignment unit 130, or predetermined affiliate card information including the affiliate card number is generated by the affiliate card information generation unit 135, or the card When the affiliate card including the affiliate card information is issued by the issuing unit 145, the information transmitting and receiving unit 125 uses a predetermined communication means (for example, a dedicated communication network or a secure communication network based on encrypted communication). Through the card company server 150 corresponding to the card issuing organization through the customer information corresponding to the affiliated card, the affiliated card information (or associated card number), and the card attribute information.

Alternatively, the information transmitting and receiving unit 125 is characterized in that to receive the real card information (or real card number) corresponding to the affiliated card from the card company server 150 corresponding to the card issuer through the communication means; In this case, the information storage unit 140 further includes the seal card information (or seal card number) in the association card issuance information and stores the information in the storage medium 185 (eg, customer information and affiliate card information (or Associate card number), card attribute information, and real card information (or real card number) in association with each other and stored).

According to an embodiment of the present invention, the real card number D / B 190 provided in the card issuing organization is associated with affiliate card information (or affiliate card number) registered at the card issuing institution through the card issuing affiliate institution. At least one real card information (or real card number) to be included is preferably included, and the card issuing affiliated information to lease the real card number is preferably made to further include.

Here, the seal card information (or seal card number) is made up of all 16-digit card numbers, or a nine-digit serial number of the 16-digit card number (for example, the first four digits corresponding to the card issuer number, The next 2 digits corresponding to the card type number, and the remaining 9 digits of the serial number except the last 1 digit corresponding to the check digit), preferably including a predetermined number area. In addition to the 16-digit card number, it may include real card information (or real card number) following a different 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 thereto.

Referring to FIG. 1, the card company server 150 of the card issuing organization connected to the affiliate server 100 through a predetermined communication means corresponds to the affiliate card from the affiliate server 100 through the communication means. An information transmitting / receiving unit 155 (or information receiving means) for receiving customer information, affiliate card information (or affiliate card number), card attribute information, the received customer information, and affiliate card information (or affiliate card). Information stored in the card information D / B 195 in which the card information D / B 195 stores predetermined affiliate card operation information formed by further linking the card issuing affiliated institution information with the card issuing agency information including the at least one card attribute information. It is characterized by comprising a storage unit 140 (or information storage means).

Referring to FIG. 1, the card company server 150 of the card issuing organization may store predetermined seal card information (or seal) to be associated with the affiliate card information (or affiliate card number) from the seal card number D / B 190. The card information (or card number) extracting unit 160 (or card information extracting means or card number extracting means) for extracting the card number and the extracted real card information (or real card number) from the associated card information. Or an information storage unit 140 (or information storage means) for storing the predetermined card information D / B 195 in association with the associated card number. ) Transmits the real card information (or real card number) associated with the affiliate card information (or affiliate card number) to the affiliate server 100 through the communication means.

According to an exemplary embodiment of the present invention, the information storage unit 140 processes the seal card information (or seal card number) in association with the association card information (or association card number) to provide predetermined card information D / B 195. Is stored in the card information D / B 195 including at least one of the customer information, the affiliate card information (or affiliate card number), the card attribute information, and the card issuing affiliated agency information. Preferably, the association card management information is further included and stored in association with the seal card information (or seal card number).

In addition, the card company server 150, when a predetermined seal card number is extracted from the seal card number D / B 190, a predetermined card verification value (or verification code) corresponding to the extracted seal card number ( For example, a verification information generation unit (or verification information generation) for generating a CVV (Card Verification Value) of a Visa card, a Card Validation Code (CVC) of a master card, a Confidential Identifier Number or Card Identification Number (CID) of an American Express card, and the like. Means), and when the verification value (or verification code) is included in the extracted real card number, the verification information generation unit has a predetermined card verification value corresponding to the real card number ( Or verification code) may be omitted.

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

In addition, the card company server 150 generates a card information generating unit 170 for generating a real card information including the real card number when a predetermined real card number is extracted from the real card number D / B 190. Characterized in that it further comprises, wherein the information storage unit 140 is characterized in that to further store the actual card information (or real card number) in association with the stored card information associated with the association, the information The transmission / reception unit 125 transmits real card information (or real card number) associated with the affiliate card information (or affiliate card number) (or further linked to the affiliate card operation information) through the communication means. Characterized in that the transmission to the server (100).

Here, the seal card information includes at least one seal card number, a card verification value (or verification code), the card expiration date (some may be omitted), card issuing agency information, and card issuing organization information (or code). It is preferable to make it.

According to an exemplary embodiment of the present invention, the information storage unit 140 processes real card information (or real card number) in association with the affiliate card information (or alliance card number) to provide predetermined card information D / B 195. By storing in (or at the same time as storing), it is preferable that the affiliate card issued by the affiliate server 100 including the affiliate card information is used for registration processing.

Thereafter, the at least one affiliate card operation information including at least one of the customer information, the actual card information, the affiliate card information, the card attribute information, and the affiliated agency information stored in the card information D / B 195 may be used. It is used to provide various payment and settlement services or various additional services through an affiliate card provided with the affiliate card information (or affiliate card number) through the seal card information (or seal card number).

According to one embodiment of the present invention, the card information D / B 195 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 195 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 195 may be an on-line payment system, and / or a WAP-based wireless payment system, and / or an IC chip provided to (or associated with) 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 embodiment of the present invention, the card information D / B 195 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.

According to the exemplary embodiment of the present invention, the card company server 150 stores the affiliate card information (or affiliate card number) and real card information (or seal card number) in the card information D / B 195 in a cooperative process. Thereafter, it is possible to produce and issue a predetermined affiliate card including the seal card information (or seal card number) and deliver it to the customer, in which case the affiliate card including the seal card information (or seal card number). Is confirmed to have been delivered to the customer and at the same time, the affiliate card previously issued to the customer including the affiliate card information (or affiliate card number) by the affiliate server 100 is disabled, and the seal card information (or seal It is preferable that the affiliate card issued later to the customer including the card number) is newly registered for use.

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

In more detail, in FIG. 2, in the card registration system shown in FIG. 1, 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). When the affiliated employee submits (or selects) the card registration application information corresponding to the card registration application through a predetermined card registration terminal and transmits it to the affiliated server 100, the affiliated server ( 100 illustrates a process of first issuing an affiliate card including a predetermined affiliate card number to the customer based on the card registration application information, and then issuing a card through the process illustrated in FIGS. 4 and / or 5. Seal card number D / B 190, in which at least one seal card information (or seal card number) is provided in a collective leasing scheme in an institution The affiliated card information (or affiliated card number) is registered in association with a given room card information (card number or chamber).

Those skilled in the art to which the present invention pertains can infer various implementation methods for issuing the alliance card for issuance of the alliance card through the lease of the card number by referring to and / or modifying the drawing 2. However, the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown 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 185. The process of storing the predetermined affiliate card issuance information in the storage medium 185 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 by this.

Hereinafter, in FIG. 2, the card registration terminal 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. 2, in order to issue the affiliated card for issuing the affiliated card using the affiliated card number, the customer is determined through a face-to-face card registration interface (eg, the card registration application, employee terminal, and network means). When a card registration application (e.g., a document having a form for filling in at least one information item for issuing an affiliate card using the affiliate card number) is prepared 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 is included in customer information of the card registration customer, various card attribute information for setting a card attribute for the affiliate card, and a card number to be assigned to the affiliate card. It includes at least one or more customer wireless terminal information (or membership card number).

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 firing. 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.

In addition, the customer wireless terminal information (or membership card number) included in the card number to be assigned to the alliance card is characterized in that it comprises information to be included in the predetermined card number to be assigned to the alliance card issued to the customer, When the customer information and the customer wireless terminal information are stored in association with a predetermined customer information D / B 180 provided to (or linked to) the card issuing affiliated institution, the card registration request information is stored in the wireless information of the customer. Including the terminal information to transmit, or if the customer information and the membership card number is stored in association with the customer information D / B (180) provided (or associated) in the card issuing affiliate, the card It is desirable to include the wireless terminal information of the customer in the registration application information to be transmitted.

According to an embodiment of the present invention, the card issuing affiliate institution includes at least one or more mobile carriers and various wireless carriers affiliated with the card issuing agency, or the card issuing affiliate institution is connected to the customer wireless terminal in the member registration process. At least one of a wireless terminal telephone number (e.g., a mobile communication telephone number), a wireless terminal unique number (e.g., an Electronic Serial Number (ESN)), or a wireless terminal address (e.g., an IP address or a MIP address) When receiving the wireless terminal information including the information stored in the predetermined customer information D / B 180 in association with the customer information, the affiliate server 100 includes the wireless terminal information of the customer in the card registration application information. It is preferable to transmit the data, and the wireless terminal phone number (for example, mobile communication phone number) included in the customer wireless terminal information, or radio terminal high The wireless terminal information including at least one of a number (for example, an electronic serial number (ESN)) or a wireless terminal address (for example, an IP address or a MIP address) may be obtained through the card registration system shown in FIG. It is preferably included in the affiliate card number to be issued to the customer.

According to another embodiment of the present invention, the card issuing affiliate institution issues a predetermined membership card to the customer, and the customer information and the predetermined customer information D / B 180 provided at the card issuing affiliate institution. When the membership card number is stored in association, the affiliate server 100 preferably transmits the membership card number previously issued to the customer in the card registration application information, and the membership card number is shown in FIG. 1. It is preferably included in the affiliate card number to be issued to the customer through the card registration system shown in.

According to another exemplary embodiment of the present invention, a predetermined customer unique number assigned to the customer by the card issuing affiliate institution is linked to the customer information in the customer information D / B 180 provided at the card issuing affiliate institution. If processed and stored, the customer unique number may be further included in the card registration application information instead of the customer wireless terminal information (or membership card number), and the present invention is not limited thereto.

Thereafter, the server receives and reads the card registration request information from the terminal through the network means, and issues the affiliate card using the affiliate 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.

When the customer wireless terminal information is included in the card registration request information according to an embodiment of the present invention, and the customer information and predetermined customer wireless terminal information are stored in the customer information D / B 180 in association with each other, Validation of the issuance of the alliance card to the customer may include comparing the customer wireless terminal information included in the card registration application information with the customer wireless terminal information stored in the customer information D / B 180. Preferably, the wireless terminal information includes checking whether the wireless terminal information includes the wireless terminal information actually used by the customer.

According to another embodiment of the present invention, when the membership card number is included in the card registration application information, and the customer information and the predetermined membership card number are stored in association with the customer information D / B 180, the Validation of the issuance of the affiliate card to the customer, the membership card number is compared to the membership card number contained in the card registration application information and the membership card number stored in the customer information D / B (180) It is preferable that the card issuance affiliated organization includes checking whether the membership card number previously issued to the customer is included.

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 for issuing the affiliate card to the customer is authenticated through the card registration application information (215), the server is connected to the customer wireless terminal information (or membership card number) included in the card registration application information. All (or part) of the provided number is assigned to an affiliate card number for the registered affiliate card (225).

According to an embodiment of the present invention, a wireless terminal telephone number (for example, a mobile communication telephone number), or a wireless terminal unique number (for example, an ESN (Electronic Serial Number)) in the received (or validated) card registration application information. Number)), or wireless terminal information including at least one or more of a wireless terminal address (for example, an IP address or a MIP address), and the like, the server may include some (or all of the numbers included in the customer wireless terminal information). ) Is assigned to the card number of the registered affiliated card.

When the customer wireless terminal information included in the card registration application information includes the wireless terminal telephone number (eg, a mobile communication telephone number) according to the above-described method, the server converts the wireless terminal telephone number into an affiliate card number as it is. It is desirable to assign.

For example, when the wireless terminal telephone number (for example, mobile communication telephone number) is composed of "010-1234-9876", the server may assign "01012349876" as the card number of the registered affiliate card as it is. According to the intention of the person skilled in the art, a predetermined identification number may be further included in front of the radio terminal telephone number, or a predetermined check digit may be further included in the rear end of the radio terminal telephone number.

Alternatively, when the customer wireless terminal information included in the card registration request information includes the wireless terminal telephone number (eg, a mobile communication telephone number), the server allocates a part of the wireless terminal telephone number as an affiliate card number. It is preferable.

For example, when the wireless terminal telephone number (e.g., mobile communication telephone number) is "010-1234-9876", the server selects one of the first three digits of the telephone number corresponding to the mobile communication identification number (e.g., If the mobile identification number is "011", "1", "016" "6", "017" "7", "018" "8", "019" "9", "010" &Quot; 0 " and the like, and select a total of 9 digits by adjusting the remaining number to 8 digits, and use a 16 digit card number (e.g., 4 digit card company number, A 2-digit card type number, a 9-digit serial number (or a unique number), and a 1-digit check digit can be generated and assigned to the affiliated card number.

Those skilled in the art to which the present invention belongs, the customer wireless terminal information is the wireless terminal unique number (e.g. ESN (Electronic Serial Number)), or wireless terminal address (e.g. IP address, or MIP address) Etc.), it is possible to infer various implementation methods for allocating a part or all of the numbers included in the wireless terminal information to the card number of the registered affiliated card. It is characterized by including all the implementation method, in the Figure 1 will be omitted for illustration for convenience.

According to another exemplary embodiment of the present invention, when the received (or validated) card registration application information includes a membership card number previously issued to the customer by the card issuing affiliate institution, the server is a customer. A part (or all) of the numbers included in the radio terminal information may be assigned to the card number of the registered affiliate card.

When the card registration application information includes a membership card number that follows a predetermined card number system according to the embodiment, the server preferably allocates the wireless terminal telephone number as an affiliate card number as it is. The card information generating unit 170 and 135 generates affiliate card information including the affiliate card number, or the card issuing unit 145 generates an affiliate card including the affiliate card information and provides the card to the customer. (Or delivery) function is omitted, and the membership card can be used as the affiliate card as it is.

Alternatively, if a membership card number conforming to a predetermined card number system is included, the server preferably allocates a part of the radio terminal telephone number as a card number for the registered affiliate card.

For example, if the card registration application information includes a membership card number that follows a predetermined card number system, the server extracts a number that is not duplicated on the card number system, and the extracted number is unique to the affiliate card. It is preferable to assign a card number to be used as a number (or serial number).

If one of ordinary skill in the art to which the present invention belongs, it extracts the non-overlapping number corresponding to each membership card number system, and the extracted number as a unique number (or serial number) for the affiliate card Since various implementation methods may be inferred, a detailed description thereof will be omitted for convenience.

Thereafter, the server generates predetermined affiliate card information including the affiliate card number (230).

According to an embodiment of the present invention, the affiliated card information includes the affiliated card number, the card verification value (or verification code), the card expiration date (some may be omitted), the card issuing affiliated agency information and the card issuing agency information (or code It is preferable to comprise at least one).

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 (235).

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 185 (240).

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 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 firing 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 about a charge amount charged in the affiliated 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.

3 is a diagram illustrating a card registration process for issuing an affiliate card using an affiliate card number 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 the affiliate server 100 is connected to the affiliate server 100 through inputting (or selecting) predetermined card registration application information, the affiliate server 100 transmits a predetermined affiliate card number to the customer based on the card registration application information. First, the process of issuing an affiliate card including a, wherein at least one or more real card information (or real card number) in the card issuing agency through the process shown in Figure 4 and / or 5 in a batch lease method Through the provided seal card number D / B 190, the affiliate card information (or affiliate card number) is assigned to predetermined seal card information (or seal card number). Register by linking.

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 affiliated card is manufactured and provided (or shipped) to the customer, and then the affiliated card issuance information is stored in the storage medium 185. The process of storing the predetermined affiliate card issuance information in the storage medium 185 may be performed before producing the affiliate card or before providing (or delivering) to the customer after the affiliate card is produced. The present invention is not limited thereto.

Hereinafter, in FIG. 3, the card registration terminal 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 using the affiliate 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 is included in customer information of the card registration customer, various card attribute information for setting a card attribute for the affiliate card, and a card number to be assigned to the affiliate card. It includes at least one or more customer wireless terminal information (or membership card number).

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 firing. 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.

In addition, the customer wireless terminal information (or membership card number) included in the card number to be assigned to the alliance card is characterized in that it comprises information to be included in the predetermined card number to be assigned to the alliance card issued to the customer, When the customer information and the customer wireless terminal information are stored in association with a predetermined customer information D / B 180 provided to (or linked to) the card issuing affiliated institution, the card registration request information is stored in the wireless information of the customer. Including the terminal information to transmit, or if the customer information and the membership card number is stored in association with the customer information D / B (180) provided (or associated) in the card issuing affiliate, the card It is desirable to include the wireless terminal information of the customer in the registration application information to be transmitted.

According to an embodiment of the present invention, the card issuing affiliate institution includes at least one or more mobile carriers and various wireless carriers affiliated with the card issuing agency, or the card issuing affiliate institution is connected to the customer wireless terminal in the member registration process. At least one of a wireless terminal telephone number (e.g., a mobile communication telephone number), a wireless terminal unique number (e.g., an Electronic Serial Number (ESN)), or a wireless terminal address (e.g., an IP address or a MIP address) When receiving the wireless terminal information including the information stored in the predetermined customer information D / B 180 in association with the customer information, the affiliate server 100 includes the wireless terminal information of the customer in the card registration application information. It is preferable to transmit by using, the wireless terminal phone number (for example, mobile communication phone number), or radio terminal included in the customer wireless terminal information The wireless terminal information including at least one of a number (for example, an electronic serial number (ESN)) or a wireless terminal address (for example, an IP address or a MIP address) may be obtained through the card registration system shown in FIG. It is preferably included in the affiliate card number to be issued to the customer.

According to another embodiment of the present invention, the card issuing affiliate institution issues a predetermined membership card to the customer, and the customer information and the predetermined customer information D / B 180 provided at the card issuing affiliate institution. When the membership card number is stored in association, the affiliate server 100 preferably transmits the membership card number previously issued to the customer in the card registration application information, and the membership card number is shown in FIG. 1. It is preferably included in the affiliate card number to be issued to the customer through the card registration system shown in.

According to another exemplary embodiment of the present invention, a predetermined customer unique number assigned to the customer by the card issuing affiliate institution is linked to the customer information in the customer information D / B 180 provided at the card issuing affiliate institution. If processed and stored, the customer unique number may be further included in the card registration application information instead of the customer wireless terminal information (or membership card number), and the present invention is not limited thereto.

Thereafter, the server receives and reads the card registration request information from the terminal through the network means, and issues the affiliate card using the affiliate 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.

When the customer wireless terminal information is included in the card registration request information according to an embodiment of the present invention, and the customer information and predetermined customer wireless terminal information are stored in the customer information D / B 180 in association with each other, Validation of the issuance of the alliance card to the customer may include comparing the customer wireless terminal information included in the card registration application information with the customer wireless terminal information stored in the customer information D / B 180. Preferably, the wireless terminal information includes checking whether the wireless terminal information includes the wireless terminal information actually used by the customer.

According to another embodiment of the present invention, when the membership card number is included in the card registration application information, and the customer information and the predetermined membership card number are stored in association with the customer information D / B 180, the Validation of the issuance of the affiliate card to the customer, the membership card number is compared to the membership card number contained in the card registration application information and the membership card number stored in the customer information D / B (180) It is preferable that the card issuing affiliated organization includes checking whether the membership card number previously issued to the customer is included.

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 is connected to the customer wireless terminal information (or membership card number) included in the card registration application information. All (or part) of the provided number is assigned to the affiliate card number for the registered affiliate card (330).

According to an embodiment of the present invention, a wireless terminal telephone number (for example, a mobile communication telephone number), or a wireless terminal unique number (for example, an ESN (Electronic Serial Number)) in the received (or validated) card registration application information. Number)), or wireless terminal information including at least one or more of a wireless terminal address (for example, an IP address or a MIP address), and the like, the server may include some (or all of the numbers included in the customer wireless terminal information). ) Is assigned to the card number of the registered affiliated card.

If the customer wireless terminal information included in the card registration application information includes the wireless terminal telephone number (eg, a mobile telephone number) according to the above-described method, the server converts the wireless terminal telephone number into an affiliate card number as it is. It is desirable to assign.

For example, when the wireless terminal telephone number (for example, mobile communication telephone number) is composed of "010-1234-9876", the server may assign "01012349876" as the card number of the registered affiliate card as it is. According to the intention of the person skilled in the art, a predetermined identification number may be further included in front of the radio terminal telephone number, or a predetermined check digit may be further included in the rear end of the radio terminal telephone number.

Alternatively, when the customer wireless terminal information included in the card registration request information includes the wireless terminal telephone number (eg, a mobile communication telephone number), the server allocates a part of the wireless terminal telephone number as an affiliate card number. It is preferable.

For example, when the wireless terminal telephone number (e.g., mobile communication telephone number) is "010-1234-9876", the server selects one of the first three digits of the telephone number corresponding to the mobile communication identification number (e.g., If the mobile identification number is "011", "1", "016" "6", "017" "7", "018" "8", "019" "9", "010" &Quot; 0 " and the like, and select a total of 9 digits by adjusting the remaining number to 8 digits, and use a 16 digit card number (e.g., 4 digit card company number, A 2-digit card type number, a 9-digit serial number (or a unique number), and a 1-digit check digit can be generated and assigned to the affiliated card number.

Those skilled in the art to which the present invention belongs, the customer wireless terminal information is the wireless terminal unique number (for example, ESN (Electronic Serial Number)), or wireless terminal address (for example, IP address, or MIP Address, etc.), various implementation methods of allocating a part or all of the number included in the wireless terminal information to the card number of the registered affiliated card may be inferred. It is characterized in that it includes all the implementation methods, and for the sake of convenience this example is omitted.

According to another exemplary embodiment of the present invention, when the received (or validated) card registration application information includes a membership card number previously issued to the customer by the card issuing affiliate institution, the server is a customer. A part (or all) of the numbers included in the radio terminal information may be assigned to the card number of the registered affiliate card.

When the card registration application information includes a membership card number that follows a predetermined card number system according to the embodiment, the server preferably allocates the wireless terminal telephone number as an affiliate card number as it is. The card information generating unit 170 and 135 generates affiliate card information including the affiliate card number, or the card issuing unit 145 generates an affiliate card including the affiliate card information and provides the card to the customer. (Or delivery) function is omitted, and the membership card can be used as the affiliate card as it is.

Alternatively, if a membership card number conforming to a predetermined card number system is included, the server preferably allocates a part of the radio terminal telephone number as a card number for the registered affiliate card.

For example, if the card registration application information includes a membership card number that follows a predetermined card number system, the server extracts a number that is not duplicated on the card number system, and the extracted number is unique to the affiliate card. It is preferable to assign a card number to be used as a number (or serial number).

If one of ordinary skill in the art to which the present invention belongs, it extracts the non-overlapping number corresponding to each membership card number system, and the extracted number as a unique number (or serial number) for the affiliate card Since various implementation methods may be inferred, a detailed description thereof will be omitted for convenience.

Thereafter, the server generates predetermined affiliate card information including the affiliate card number (335).

According to an embodiment of the present invention, the affiliated card information includes the affiliated card number and the card verification value (or verification code), the card expiration date (some may be omitted), card issuing agency information and card issuing agency information (or At least one cord).

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 (340).

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 185 (345).

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 firing 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.

4 is a diagram illustrating a process of registering real card information (or real card number) for issuing an affiliate card using customer wireless terminal information (or membership card number) according to an embodiment of the present invention.

In more detail, FIG. 4 shows predetermined partnership card information including all (or part) of the customer wireless terminal information (or membership card number) through the card registration process shown in FIGS. 2 and / or 3. Or after the affiliate card including an affiliate card number) is issued, the affiliate server 100 provides the affiliate card issuance information to the card company server 150 provided at the card issuer, and the card company server 150. By linking the affiliate card information (or affiliate card number) and the predetermined seal card information (or seal card number) based on the association card issuing information and storing them in predetermined card information D / B 195, Regarding a process of registering to use the affiliate card, at least one seal card leased to the seal issuing agency in the seal card number D / B 190. If a number is provided, a predetermined yarn card number to be co-processed with the association card information (or association card number) is extracted from the seal card number D / B 190, and a seal including the extracted seal card number. The present invention relates to a method for generating card information and registering the card information in association with the affiliate card information (or affiliate card number).

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 4 to seal card information (or seal card) for issuing an affiliate card using the customer wireless terminal information (or membership card number). No.) Various implementation methods for the registration process may be inferred, but the present invention includes all the implementation methods inferred above, and the technical features are not limited to the implementation method shown in FIG.

Referring to FIG. 4, through the process shown in FIG. 2 and / or FIG. 3, the affiliate server 100 provided in the card issuing affiliated institution may include the entire (or membership card number) of the customer wireless terminal information (or membership card number). Is issued by an affiliate card including predetermined affiliate card information (or affiliate card number), and the customer information, affiliate card information, and card attribute information of the affiliate card in response to the issuance of the affiliate card. After storing the affiliate card issuance information including at least one or more in a predetermined storage medium 185, the customer information corresponding to the affiliate card and the affiliate card information ( Or affiliate card number) and affiliate card issuance information including at least one or more card attribute information (400), and the card company server 150 is associated with the affiliate card issuance information. The affiliated card operation information further including the card issuing affiliated agency information is stored in the predetermined card information D / B 195 (405).

Thereafter, the card company server 150 is included in the affiliate card issuance information from the seal card number D / B 190 from the predetermined seal card number D / B 190 (or included in the affiliate card management information). A predetermined real card number to be associated with the affiliate card information (or affiliate card number) is extracted (410).

If a predetermined seal card number to be associated with the affiliate card information (or affiliate card number) is extracted (415), the card company server 150 determines a predetermined card verification value (or verification code) corresponding to the seal card number. Generate 420.

Here, the card verification value (or verification code) is a CVV (Card Verification Value) of a Visa card, a Card Validation Code (CVC) of a master card, a CID (Confidential Identifier Number or Card) of an American Express card according to the actual card number system. It is preferable to include any one of Identification Number, and if one of ordinary skill in the art, the card company server 150 is the CVV (Card Verification Value), master of the Visa card You will be familiar with the technical features of generating a card validation value (or validation code) that includes at least one of a Card Validation Code (CVC) on a card and a Confidential Identifier Number or Card Identification Number (CID) on an American Express card. Detailed description thereof will be omitted for convenience.

Thereafter, the card company server 150 generates predetermined seal card information including the seal card number and a card verification value (or verification code) (425).

Here, the seal card information includes at least one seal card number, a card verification value (or verification code), the card expiration date (some may be omitted), card issuing agency information, and card issuing organization information (or code). It is preferable to make it.

Thereafter, the card company server 150 processes the affiliate card information (or affiliate card number) and the seal card information (or seal card number) in a predetermined card information D / B 195 and stores the association information. Process usage registration for the card (430).

According to an embodiment of the present invention, the card company server 150 processes the affiliate card information (or affiliate card number) and the seal card information (or seal card number) in association with a predetermined card information D / B 195. Storing in the card information D / B 195 preferably includes further linking and storing the real card information (or real card number) in the associated card operation information stored in the card information D / B 195.

According to one embodiment of the present invention, the card information D / B 195 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 195 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 195 may be an on-line payment system, and / or a WAP-based wireless payment system, and / or an IC chip provided to (or associated with) 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 embodiment of the present invention, the card information D / B 195 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.

Thereafter, the card company server 150 transmits the real card information (or real card number) associated with the affiliate card information (or affiliate card number) (or further associated with the affiliate card operation information). The affiliate server 100 transmits to the affiliate server 100 through 435. In response, the affiliate server 100 further includes the seal card information (or seal card number) in the affiliate card issuance information. (440).

According to the exemplary embodiment of the present invention, the card company server 150 stores the affiliate card information (or affiliate card number) and real card information (or seal card number) in the card information D / B 195 in a cooperative process. Thereafter, it is possible to produce and issue a predetermined affiliate card including the seal card information (or seal card number) and deliver it to the customer, in which case the affiliate card including the seal card information (or seal card number). Is confirmed to have been delivered to the customer and at the same time, the affiliate card previously issued to the customer including the affiliate card information (or affiliate card number) by the affiliate server 100 is disabled, and the seal card information (or seal It is preferable that the affiliate card issued later to the customer including the card number) is newly registered for use.

5 is a diagram illustrating a real card information (or real card number) registration process for issuing an affiliate card using customer wireless terminal information (or membership card number) according to another embodiment of the present invention.

In more detail, FIG. 5 illustrates a predetermined affiliate card information including all (or part) of the customer wireless terminal information (or membership card number) through the card registration process shown in FIGS. 2 and / or 3. Or after the affiliate card including an affiliate card number) is issued, the affiliate server 100 provides the affiliate card issuance information to the card company server 150 provided at the card issuer, and the card company server 150. The association card information (or affiliate card number) and predetermined seal card information (or seal card number) are linked to and stored in predetermined card information D / B 195 based on the association card issuing information. Regarding a process of registering to use an affiliate card, specifically, at least one seal card leased to the card issuing affiliate institution in the seal card number D / B 190. If the information is provided, extract the predetermined seal card information to be cooperatively processed with the affiliate card information (or affiliate card number) from the seal card number D / B 190 and associate with the affiliate card information (or affiliate card number). It is about the implementation method to process and register.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 5 to seal card information (or seal card) for issuing an affiliate card using the customer wireless terminal information (or membership card number). No.) Although various implementation methods for the registration process may be inferred, the present invention includes all the implementation methods inferred above, and the technical features are not limited to the implementation method shown in FIG.

Referring to FIG. 5, through the process shown in FIG. 2 and / or FIG. 3, the affiliate server 100 provided in the card issuing affiliated institution may include the entire (or membership card number) of the customer wireless terminal information (or membership card number). An affiliated card including predetermined affiliated card information (or affiliated card number), which is made up of a portion thereof, and issues the customer information, the affiliated card information, and card attribute information of the affiliated card in response to the issuance of the affiliated card. After storing the affiliate card issuance information including at least one in a predetermined storage medium 185, the customer information corresponding to the affiliate card and the affiliate card information (or Affiliation card issuance information) and at least one affiliate card issuance information including at least one card attribute information (500), and the card company server 150 is associated with the affiliate card issuance information. Stores a branded card management information further comprises a card-issuing partners information to a predetermined card information D / B (195) (505).

Thereafter, the card company server 150 is included in the affiliate card issuance information from the seal card number D / B 190 from the predetermined seal card number D / B 190 (or included in the association card operation information). In operation 510, predetermined seal card information to be associated with the affiliate card information (or affiliate card number) is extracted.

The seal card information may include the seal card number and a card verification value (or verification code) (eg, a CVV (Card Verification Value) of a Visa card, a Card Validation Code (CVC) of a master card, and a CID (Confidential) of an American Express card. Identifier Number or Card Identification Number), etc.), the card expiration date (some may be omitted), card issuing partner information, and card issuing organization information (or code).

If predetermined seal card information to be associated with the affiliate card information (or affiliate card number) is extracted (515), the card company server 150 is the affiliate card information (or affiliate card number) and the seal card information (or The real card number) is cooperatively processed and stored in the predetermined card information D / B 195, thereby processing the use registration for the affiliated card (520).

According to an embodiment of the present invention, the card company server 150 processes the affiliate card information (or affiliate card number) and the seal card information (or seal card number) in association with a predetermined card information D / B 195. Storing in the card information D / B 195 preferably includes further linking and storing the real card information (or real card number) in the associated card operation information stored in the card information D / B 195.

According to one embodiment of the present invention, the card information D / B 195 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 195 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 195 may be an on-line payment system, and / or a WAP-based wireless payment system, and / or an IC chip provided to (or associated with) 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 embodiment of the present invention, the card information D / B 195 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.

Thereafter, the card company server 150 transmits the real card information (or real card number) associated with the affiliate card information (or affiliate card number) (or further associated with the affiliate card operation information). Through the transmission to the affiliate server 100 through 525, and correspondingly, the affiliate server 100 further includes the seal card information (or seal card number) in the affiliate card issuance information. In step 530, the storage unit 530 stores the information in FIG.

According to the exemplary embodiment of the present invention, the card company server 150 stores the affiliate card information (or affiliate card number) and real card information (or seal card number) in the card information D / B 195 in a cooperative process. Thereafter, it is possible to produce and issue a predetermined affiliate card including the seal card information (or seal card number) and deliver it to the customer, in which case the affiliate card including the seal card information (or seal card number). Is confirmed to have been delivered to the customer and at the same time, the affiliate card previously issued to the customer including the affiliate card information (or affiliate card number) by the affiliate server 100 is disabled, and the seal card information (or seal It is preferable that the affiliate card issued later to the customer including the card number) is newly registered for use.

6 is a diagram illustrating a card registration system for issuing an affiliate card in the form of MS / IC using an affiliate card number according to another embodiment of the present invention.

In more detail, FIG. 6 shows that when a given customer provides card registration application information for issuing an affiliate card using a given affiliate card number to a card issuing affiliate institution through a predetermined card registration interface, Based on the provided card registration application information, the customer first issues an affiliate card in the form of an MS (Magnetic Stripe) card or an IC (Integrated Circuit) card including a predetermined affiliate card number, and then cooperates with the card issuing affiliated institution. A system configuration for registering after the predetermined real card number associated with the affiliate card number in the relevant card issuing institution, specifically, at least one real card number to be associated with the affiliate card number is dynamically The implementation method of generating (or real-time channeling) is shown.

Those skilled in the art to which the present invention pertains can refer to and / or modify this drawing 6 to infer various implementation methods for the configuration of a card registration system for issuing an affiliate card using the affiliate 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 600" for convenience, and the card issuing affiliated agency provided with the affiliate server 600 is a mobile communication company, various wireless communication companies, and various wired communication companies affiliated with the card issuing institution. , At least one portal operator or the like is preferable.

Referring to FIG. 6 according to an embodiment of the present invention, a card registration system for issuing an affiliate card using the affiliate card number is provided 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 600 provided in the card issuing affiliate institution through a predetermined network means.

According to an exemplary embodiment of the present invention, the customer visits the card issuing institution to issue an affiliate card through the card number leasing and through the counter provided to the card issuing institution (or through an affiliated employee). Fill out a predetermined card registration application for issuing an affiliate card using a number (e.g., a document with a form for filling in at least one information item for issuing an affiliate card using the affiliate 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 using the affiliate card number), and submit the completed card registration application to the affiliated employee. Enter the information filled in the card registration application through the employee's terminal (or ), And the staff terminal is preferably sent to the affiliate server 600 provided in the card-issuing partners through the network means to the information, the input (or selected).

Here, preferably, the employee terminal includes an employee terminal used by an affiliated employee provided in the card issuing institution, and the affiliate server 600 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 600 is connected between the employee terminal and the affiliate server 600. 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 600, 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 600 through at least one client terminal and input card registration application information for issuing an affiliate card using the affiliate card number through at least one user interface provided by the affiliate server 600. (Or optional), it is preferable to transmit from the client terminal to the affiliate server 600 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 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 600, input and / or select at least one information through the user interface, and transmit the same to the affiliate server 600. 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 600, 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 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 600 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, in addition to the employee terminal and / or client terminal, a predetermined financial network (eg, A financial automatic machine (not shown) including an automatic teller machine (ATM), a cash dispenser (CD) connected to a financial common network, and / or a predetermined public telephone network 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 wireless telephone network such as a mobile communication network or a wireless VoIP network. And a terminal (and / or standing) 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 card issuing organization. Burr (not shown) may be further included, whereby 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 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 600 performs a function of a card registration interface for registering the card registration application information for the customer to issue an affiliate card through the lease of the card number, and / or the card registration. When the terminal 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 600 may be used by the customer. Performs a function of a card registration interface for registering card registration application information for issuing an affiliate card through number rental, and / or the card registration terminal In the case of 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) Network connecting the affiliate server 600 performs a function of a card registration interface for registering the card registration application information for the customer to issue an affiliate card through the lease of the card number.

The card issuing affiliate institution includes a customer information D / B 680 for linking and processing the customer information and predetermined customer wireless terminal information, or is previously issued to the customer by the customer information and the card issuing affiliate institution. Customer information D / B (680) having a customer information D / B (680) for storing and cooperatively processing the membership card number of the customer information, or customer information D / B (680) for storing the customer information and the customer wireless terminal information and membership card number in association And the customer information D / B 680 is provided in a predetermined DB server provided in the card issuing affiliate institution according to the intention of the person skilled in the art (or the area of the card issuing affiliate institution). It is possible to be provided in a DBMS (or DB server) provided in an external organization that shares customer information with the card issuing affiliated institution.

Here, the customer wireless terminal information may be a wireless terminal telephone number (for example, a mobile communication telephone number), or a wireless terminal unique number (for example, an electronic serial number (ESN)), or a wireless terminal address (for example, an IP address or a MIP address). Etc.), and the membership card number preferably includes a card number system of a membership card issued to the customer by the card issuing affiliate institution.

The storage medium 685 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, and then the customer information according to the issuance of the alliance card. And affiliated card information and card attribute information and affiliated card issuance information including at least one or more of the customer wireless terminal information (or membership card number), wherein the affiliated card issuance is stored in the storage medium 685. The information is used by the card issuing affiliate to provide the affiliate card related service through the lease of the card number.

According to another exemplary embodiment of the present invention, the storage medium 685 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. In this case, the location where the storage medium 685 is provided may be variously performed according to the intention of those skilled in the art, and the present invention is not limited thereto.

The affiliate server 600 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 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 600 is provided with an interface unit 605 (or interface means) for providing a predetermined card registration interface to the card registration terminal through the network means. do.

According to an exemplary embodiment of the present invention, when the card registration terminal is an employee terminal connected to a predetermined financial network, the interface unit 605 communicates with the employee terminal based on a protocol stack defined in the financial network. It is preferable to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in the card registration application program provided in the employee terminal.

According to another exemplary embodiment of the present invention, when the card registration terminal is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 605 is based on the protocol stack defined in the wired communication network. It is preferable to provide a communication interface for connecting at least one communication channel with a 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 605 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 600 is provided in the client terminal, the interface unit 605 connects a communication channel with the client terminal based on the TCP / IP protocol. In addition, the present invention 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 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 605 is based on a protocol stack defined in the wireless communication network. It is preferable to connect a predetermined communication channel with the client terminal, and to provide a communication interface for transmitting and receiving at least one or more 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 WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol is provided in the client terminal, the interface unit 605 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 600, the interface unit 605 connects a communication channel with the client terminal based on the CDMA protocol, and the communication Provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the program.

Referring to FIG. 6, the affiliate server 600 is connected with the interface unit 605 when a predetermined card registration terminal is connected to the affiliate server 600 through the interface unit 605. An interface providing unit 610 (or interface providing means) for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined card registration application information to the card registration terminal; An information receiving unit 615 (or information receiving means) for receiving predetermined card registration request information transmitted (or selected) from the card registration terminal through the user interface in association with the interface unit 605; A validity authentication unit 620 (or validity check) for confirming validity of issuing the affiliate card to the customer based on the registered card registration application information; Affiliate card number allocating unit for allocating a part (or all) of the number including the increase means) and the customer wireless terminal information (or membership card number) included in the card registration application information to the card number of the registered affiliate card; 630 (or an association card number assignment means), an association card information generation unit 635 (or information generation means) for generating predetermined association card information including the association card number, and a predetermined card registration apparatus. A card issuing unit 645 (card issuing means) for issuing a predetermined alliance card including the alliance card information and the predetermined alliance card issuance information corresponding to the alliance card issued to the customer through the storage medium 685. Information storage unit 640 (or information storage means) to be stored.

In addition, after the predetermined affiliate card is issued through the card issuing unit 645, the affiliate server 600 may perform a predetermined communication means (for example, a dedicated communication network or a secure communication network based on encrypted communication). And an information transmitting / receiving unit 625 which transmits customer information corresponding to the affiliated card, affiliated card information (or associated card number), and card attribute information to the card company server 650 corresponding to the card issuing institution. It features.

In addition, the information transmitting and receiving unit 625 is characterized in that for receiving from the card company server 650 the predetermined seal card information (or seal card information) processed in association with the affiliate card information (or affiliate card number), The information storage unit 640 further includes the actual card information (or actual card number) in the affiliate card issuance information and stores the stored information in the storage medium 685 (eg, customer information and affiliate card information (or affiliate card). Number), card attribute information, and real card information (or real card number) in association with each other).

The interface providing unit 610, when a predetermined card registration terminal is connected to the affiliate server 600 through the interface unit 605, the card registration application information corresponding to the function configuration provided in the card registration terminal To generate (or select) a predetermined user interface that can be transmitted to the affiliate server 600 through the network means, and / or to extract from a predetermined database (not shown), and the interface unit 605 And providing the generated (or extracted) user interface to the card registration terminal through the network means.

Thereafter, the card registration terminal 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 600 through the network means. send.

When the card registration terminal is an employee terminal connected to a predetermined financial network according to an exemplary embodiment of the present invention, the interface providing unit 610 may provide a predetermined user interface that can be provided by a card registration application program provided in the employee terminal. It is preferable to generate (or extract) and provide the generated (or extracted) user interface to the employee terminal through the interface unit 605.

According to another exemplary embodiment of the present invention, when the card registration terminal is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface providing unit 610 may include a browser program and / or provided in the client terminal. It is preferable to 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 605.

According to another exemplary embodiment of the present invention, when the card registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 610 may include a browser program provided in the client terminal and / or Alternatively, it is preferable to 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 605.

The information receiving unit 615 inputs (or selects) predetermined card registration application information from the card registration terminal through the user interface and transmits the information through the network means, and registers the card in cooperation with the interface unit 605. Characterized by receiving the application information, and provides the received card registration application information to the validity authentication unit 620.

According to an embodiment of the present invention, the card registration application information is included in customer information of the card registration customer, various card attribute information for setting a card attribute for the affiliate card, and a card number to be assigned to the affiliate card. It includes at least one or more customer wireless terminal information (or membership card number).

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 600. 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 firing. 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 institution (or card issuing authority) or is set in a policy, the card attribute information may be omitted, whereby the present invention It is not limited.

In addition, the customer wireless terminal information (or membership card number) included in the card number to be assigned to the alliance card is characterized in that it comprises information to be included in the predetermined card number to be assigned to the alliance card issued to the customer, When the customer information and the customer wireless terminal information are stored in association with a predetermined customer information D / B 680 provided to (or linked to) the card issuing affiliated institution, the card registration request information is stored in the wireless information of the customer. The terminal information, and if the customer information and the membership card number are stored in association with a predetermined customer information D / B 680 provided to (or linked to) the card issuing affiliate institution, the card is transmitted. It is desirable to include the wireless terminal information of the customer in the registration application information to be transmitted.

According to an embodiment of the present invention, the card issuing affiliate institution includes at least one or more mobile carriers and various wireless carriers affiliated with the card issuing agency, or the card issuing affiliate institution is connected to the customer wireless terminal in the member registration process. At least one of a wireless terminal telephone number (e.g., a mobile communication telephone number), a wireless terminal unique number (e.g., an Electronic Serial Number (ESN)), or a wireless terminal address (e.g., an IP address or a MIP address) When receiving the wireless terminal information including the information stored in the predetermined customer information D / B 680 in conjunction with the customer information, the affiliate server 600 includes the wireless terminal information of the customer in the card registration application information. It is preferable to transmit the data, and the wireless terminal phone number (for example, mobile communication phone number) included in the customer wireless terminal information, or radio terminal high The wireless terminal information including at least one of a number (for example, an electronic serial number (ESN)) or a wireless terminal address (for example, an IP address or a MIP address) may be obtained through the card registration system shown in FIG. It is preferably included in the affiliate card number to be issued to the customer.

According to another embodiment of the present invention, the card issuing affiliate institution issues a predetermined membership card to the customer, and the customer information and the predetermined customer information D / B 680 provided to the card issuing affiliate institution. When the membership card number is stored in association, the affiliate server 600 preferably transmits the membership card number previously issued to the customer in the card registration application information, and the membership card number is shown in FIG. 6. It is preferably included in the affiliate card number to be issued to the customer through the card registration system shown in.

According to another exemplary embodiment of the present invention, a predetermined customer unique number assigned to the customer by the card issuing affiliate institution is linked to the customer information in the customer information D / B 680 provided at the card issuing affiliate institution. If processed and stored, the customer unique number may be further included in the card registration application information instead of the customer wireless terminal information (or membership card number), whereby the present invention is not limited thereto.

The validity authentication unit 620 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 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.

When the customer wireless terminal information is included in the card registration request information according to an embodiment of the present invention, and the customer information and predetermined customer wireless terminal information are stored in the customer information D / B 680 in association with each other, Validation of the issuance of the affiliate card to the customer includes comparing the customer wireless terminal information included in the card registration application information with the customer wireless terminal information stored in the customer information D / B 680. Preferably, the wireless terminal information includes checking whether the wireless terminal information includes the wireless terminal information actually used by the customer.

According to another embodiment of the present invention, if the membership card number is included in the card registration application information, and the customer information and the predetermined membership card number are stored in association with the customer information D / B 680, the Validation of the issuance of the alliance card to a customer may include comparing the membership card number included in the card registration application information with the membership card number stored in the customer information D / B 680 to determine the membership card number. It is preferable that the card issuing affiliated organization includes checking whether the membership card number previously issued to the customer is included.

A wireless terminal telephone number (for example, a mobile communication telephone number) or a unique wireless terminal number in the card registration application information received through the information receiving unit 615 (or validated through the validity authentication unit 620). (Eg, an electronic serial number (ESN)) or wireless terminal information including at least one or more of a wireless terminal address (for example, an IP address or a MIP address), etc., the affiliated card number assignment unit 630 is included. Is characterized in that part (or all) of the numbers included in the customer secret terminal information is assigned to the card number of the registered affiliate card.

According to an exemplary embodiment of the present invention, when the customer wireless terminal information included in the card registration application information includes the wireless terminal telephone number (eg, a mobile communication telephone number), the affiliated card number assignment unit 630 may be configured as described above. It is preferable to assign the radio terminal telephone number as an affiliate card number.

For example, when the wireless terminal telephone number (e.g., mobile communication telephone number) is "010-1234-9876", the affiliate card number assignment unit 630 stores the card "01012349876" as it is. The number may be assigned, and according to the intention of the person skilled in the art, a predetermined identification number may be further included in front of the radio terminal telephone number, or a predetermined check digit may be further included in the rear end of the radio terminal telephone number.

Alternatively, when the customer wireless terminal information included in the card registration application information includes the wireless terminal telephone number (eg, a mobile communication telephone number), the affiliated card number assignment unit 630 may be a part of the wireless terminal telephone number. It is preferable to assign to as the affiliate card number.

For example, when the wireless terminal telephone number (for example, the mobile communication telephone number) is "010-1234-9876", the alliance card number assignment unit 630 corresponds to the first 3 corresponding to the mobile communication identification number among the telephone numbers. Select one of the digits (for example, if the mobile identification number is "011", "1", "016", "6", "017" "7", "018" "8", "019") &Quot; 0 ", etc. for " 9 ", " 010 ", 16-digit card number (e.g., &lt; RTI ID = 0.0 &gt;) &lt; / RTI &gt; 4 digit card company number, 2 digit card type number, 9 digit serial number (or unique number) and 1 digit check digit) can be generated and assigned to the affiliated card number.

Those skilled in the art to which the present invention belongs, the customer wireless terminal information is the wireless terminal unique number (e.g. ESN (Electronic Serial Number)), or wireless terminal address (e.g. IP address, or MIP address) Etc.), it is possible to infer various implementation methods for allocating a part or all of the numbers included in the wireless terminal information to the card number of the registered affiliated card. It is characterized by including all the implementation method, in the Figure 6 it will be omitted for illustration for convenience.

The card registration application information received through the information receiving unit 615 (or validated through the validity authentication unit 620) includes a membership card number previously issued to the customer by the card issuing affiliate institution. In this case, the alliance card number assignment unit 630 may assign a portion (or all) of the numbers included in the customer secret information to the card number of the registered alliance card.

According to an embodiment of the present invention, when the card registration application information includes a membership card number that follows a predetermined card number system, the affiliate card number assignment unit 630 converts the wireless terminal phone number into an affiliate card number as it is. Preferably, in this case, the affiliate card information generation unit 635 generates affiliate card information including the affiliate card number, or the card issuer 645 includes the affiliate card information including the affiliate card information. The function of producing and providing (or delivering) to the customer is omitted, and the membership card can be used as the affiliate card as it is.

Or, if a membership card number that follows a predetermined card number system is included, the affiliate card number assignment unit 630 preferably allocates a portion of the radio terminal telephone number as a card number for the registered affiliate card. .

For example, when the card registration application information includes a membership card number that follows a predetermined card number system, the affiliated card number assignment unit 630 extracts a number that does not overlap on the card number system, and extracts the extracted number. It is preferable to assign a card number using a unique number (or serial number) for the affiliated card.

If one of ordinary skill in the art to which the present invention belongs, it extracts the non-overlapping number corresponding to each membership card number system, and the extracted number as a unique number (or serial number) for the affiliate card Since various implementation methods may be inferred, a detailed description thereof will be omitted for convenience.

When the number including the customer wireless terminal information (or membership card number) is assigned to the card number of the affiliate card as described above, the affiliate card information generation unit 635 provides predetermined affiliate card information including the affiliate card number. It characterized in that to generate.

According to an embodiment of the present invention, the affiliated card information includes the affiliated card number, the card verification value (or verification code), the card expiration date (some may be omitted), the card issuing affiliated agency information and the card issuing agency information (or code It is preferable to comprise at least one).

When predetermined affiliated card information included in the affiliated card is generated by the affiliated card information generation unit 635, the card issuing unit 645 includes the affiliated card information including the affiliated card information through a predetermined card registration device. It is characterized in that the manufacturing (or having the affiliate card information 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 affiliate card information generating unit 635 generates affiliate card information in a data structure recordable in at least one or more MS tracks, and the card issuing unit 645 uses the card registration device. By recording the affiliate card information in at least one MS track, 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 affiliated card information The generation unit 635 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 645 performs the association 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.

According to another embodiment of the present invention, when the card issuing affiliate institution is provided with at least one affiliate card including the affiliate card information, the affiliate card number assignment unit 630 is provided to the customer among the affiliate cards ( Alternatively, it is possible to replace the alliance card number assignment process by confirming the card number (or card information) provided in the predetermined cooperation card to be delivered. In this case, the alliance card information generation unit 635 and the card issuing unit 645 may be omitted, and the present invention is not limited thereto.

Thereafter, the information storage unit 640 stores the customer information included in the card registration application information received from the customer through the information receiving unit 615, the generated affiliate card information, card attribute information of the affiliate card, and the like. And storing the affiliate card issuance information including at least one of the customer wireless terminal information (or a membership card number) in the storage medium 685.

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 600 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 firing 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 about a charge amount charged in the affiliated 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.

A predetermined affiliate card number is assigned by the affiliate card number assignment unit 630, or predetermined affiliate card information including the affiliate card number is generated by the affiliate card information generation unit 635, or the card. When an affiliated card including the affiliated card information is issued by the issuing unit 645, the information transmitting and receiving unit 625 uses a predetermined communication means (for example, a dedicated communication network or a secure communication network based on encrypted communication). Through the card company server 650 corresponding to the card issuing organization through the customer information corresponding to the affiliated card, the affiliated card information (or associated card number) and the card attribute information.

Alternatively, the information transceiving unit 625 may be configured to receive real card information (or real card number) corresponding to the affiliated card from the card company server 650 corresponding to the card issuer through the communication means. In this case, the information storage unit 640 may further include the seal card information (or seal card number) in the association card issuance information and store it in the storage medium 685 (eg, customer information and affiliate card information (or Associate card number), card attribute information, and real card information (or real card number) in association with each other and stored).

Referring to FIG. 6, the card company server 650 of the card issuing organization connected to the affiliate server 600 through a predetermined communication means corresponds to the affiliate card from the affiliate server 600 through the communication means. An information transmitting / receiving unit 655 (or information receiving means) for receiving customer information, affiliate card information (or affiliate card number), card attribute information, the received customer information, and affiliate card information (or affiliate card number). Information stored in the card information D / B 695 and the affiliated card operation information, which is obtained by further integrating the card issuing affiliated agency information with the affiliated card issuing information including at least one card attribute information. It is characterized by comprising a section 675 (or information storage means).

Referring to FIG. 6, the card company server 650 of the card issuing organization generates a card number for generating a predetermined real card number to be associated with (or assigned to, the affiliate card) the affiliate card information (or affiliate card number). Generating unit 660 (or card number generating means), card information generating unit 670 (or card information generating means) for generating real card information including the real card number, and the generated real card information ( Or an information storage unit 675 (or information storage means) which stores the actual card number in association with the association card information (or association card number) and stores the predetermined card information in the predetermined card information D / B 695. The information transmitting / receiving unit 655 may transmit the real card information (or real card number) associated with the affiliate card information (or affiliate card number) to the affiliate server 600 through the communication means. It is characterized by.

According to an embodiment of the present invention, the information storage unit 675 processes the seal card information (or seal card number) in association with the association card information (or association card number), thereby providing predetermined card information D / B 695. ) Is stored in the card information D / B 695 including at least one of the customer information, the affiliate card information (or affiliate card number), the card attribute information, and the card issuing affiliated agency information. And preferably storing the real card information (or real card number) in association with the cooperation card operation information. The information storage unit 675 stores the real card information (or real card number). The association card information (or the association card number) is processed in association with the predetermined card information D / B (695) (or at the same time with the storage), including the affiliate card information through the affiliate server 600 It is the cooperation geupdoen card registration process is preferably used.

In addition, the card company server 650 is a predetermined card verification value (or verification code) corresponding to the generated real card number when the predetermined real card number is generated through the card number generation unit 660 (for example, , Verification information generation unit 665 (or verification) for generating a CVV (Card Verification Value) of a Visa card, a Card Validation Code (CVC) of a master card, a Confidential Identifier Number or Card Identification Number (CID) of an American Express card, etc. Information generating means), and when the verification value (or verification code) is included in the extracted real card number, the verification information generating unit 665 corresponds to the real card number. The function of generating a predetermined card verification value (or verification code) may be omitted.

If one of ordinary skill in the art belongs to the verification information, the verification information generation unit 665 is the CVV (Card Verification Value) of the visa card, CVC (Card Validation Code) of the master card, CID of the American Express card It will be familiar with the technical features for generating a card verification value (or verification code) including at least one (Confidential Identifier Number or Card Identification Number), a detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, the seal card information may include the seal card number, a card verification value (or verification code), the card expiration date (some may be omitted), card issuing affiliate information and card issuing agency information (or code). It is preferable to comprise at least one).

Thereafter, the at least one affiliate card operation information including at least one of the customer information, the actual card information, the affiliate card information, the card attribute information, and the affiliated agency information stored in the card information D / B 695 may be used. It is used to provide various payment and settlement services or various additional services through an affiliate card provided with the affiliate card information (or affiliate card number) through the seal card information (or seal card number).

According to one embodiment of the present invention, the card information D / B 695 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 695 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 695 may be an online payment system, and / or a WAP-based wireless payment system, and / or an IC chip provided to (or associated with) 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 695 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.

According to the exemplary embodiment of the present invention, the card company server 650 stores the affiliate card information (or affiliate card number) and the actual card information (or seal card number) in the card information D / B 695 in association. Thereafter, it is possible to produce and issue a predetermined affiliate card including the seal card information (or seal card number) and deliver it to the customer, in which case the affiliate card including the seal card information (or seal card number). Is confirmed to have been delivered to the customer and at the same time, the affiliate card issued to the customer including the affiliate card information (or affiliate card number) by the affiliate server 600 is suspended, and the actual card information (or It is preferable that the affiliate card issued later to the customer, including the actual card number), is newly registered for use.

7 is a diagram illustrating a card registration process for issuing an affiliate card using an affiliate card number according to an exemplary embodiment of the present invention.

In more detail, in FIG. 7, a predetermined customer creates a predetermined card registration application through a face-to-face card registration interface (eg, the card registration application, employee terminal, and network means) in the card registration system shown in FIG. 6. When the affiliated employee submits (or selects) card registration application information corresponding to the card registration application through a predetermined card registration terminal and transmits it to the affiliated server 600, the affiliated server ( 600 illustrates a process of first issuing an affiliate card including a predetermined affiliate card number to the customer based on the card registration application information, and then issuing a card through the process illustrated in FIGS. 9 and / or 10. The agency dynamically generates (or real-time numbering) predetermined real card information (or real card number) and the affiliated card information (or Register in conjunction with the holiday card number).

Those skilled in the art to which the present invention pertains can deduce various implementation methods for issuing the affiliated card for issuing the affiliated card through leasing the card number by referring to and / or modifying the drawing 7. 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. 7 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 685. The process of storing the predetermined affiliate card issuance information in the storage medium 685 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. 7, the card registration terminal shown in FIG. 6 is referred to as a "terminal" for convenience, and the affiliate server 600 is referred to as a "server" for convenience.

Referring to FIG. 7, in order for the customer to issue the affiliate card for issuing the affiliate card using the affiliate card number, the customer is determined through a face-to-face card registration interface (eg, the card registration application, employee terminal, and network means). A card registration application (e.g., a document with a form for filling in at least one information item for issuing an affiliate card using the affiliate card number) is completed and submitted to an affiliated employee, the terminal member by the affiliated employee Receives (or selects) card registration application information corresponding to the card registration application prepared by the customer through a predetermined user interface (700), and transmits the card registration application information to the server through the network means (705). ).

According to an embodiment of the present invention, the card registration application information is included in customer information of the card registration customer, various card attribute information for setting a card attribute for the affiliate card, and a card number to be assigned to the affiliate card. It includes at least one or more customer wireless terminal information (or membership card number).

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 600. 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 firing. 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.

In addition, the customer wireless terminal information (or membership card number) included in the card number to be assigned to the alliance card is characterized in that it comprises information to be included in the predetermined card number to be assigned to the alliance card issued to the customer, When the customer information and the customer wireless terminal information are stored in association with a predetermined customer information D / B 680 provided to (or linked to) the card issuing affiliated institution, the card registration request information is stored in the wireless information of the customer. The terminal information, and if the customer information and the membership card number are stored in association with a predetermined customer information D / B 680 provided to (or linked to) the card issuing affiliate institution, the card is transmitted. It is desirable to include the wireless terminal information of the customer in the registration application information to be transmitted.

According to an embodiment of the present invention, the card issuing affiliate institution includes at least one or more mobile carriers and various wireless carriers affiliated with the card issuing agency, or the card issuing affiliate institution is connected to the customer wireless terminal in the member registration process. At least one of a wireless terminal telephone number (e.g., a mobile communication telephone number), a wireless terminal unique number (e.g., an Electronic Serial Number (ESN)), or a wireless terminal address (e.g., an IP address or a MIP address) When receiving the wireless terminal information including the information stored in the predetermined customer information D / B 680 in conjunction with the customer information, the affiliate server 600 includes the wireless terminal information of the customer in the card registration application information. It is preferable to transmit the data, and the wireless terminal phone number (for example, mobile communication phone number) included in the customer wireless terminal information, or radio terminal high The wireless terminal information including at least one of a number (for example, an electronic serial number (ESN)) or a wireless terminal address (for example, an IP address or a MIP address) may be obtained through the card registration system shown in FIG. It is preferably included in the affiliate card number to be issued to the customer.

According to another embodiment of the present invention, the card issuing affiliate institution issues a predetermined membership card to the customer, and the customer information and the predetermined customer information D / B 680 provided to the card issuing affiliate institution. When the membership card number is stored in association, the affiliate server 600 preferably transmits the membership card number previously issued to the customer in the card registration application information, and the membership card number is shown in FIG. 6. It is preferably included in the affiliate card number to be issued to the customer through the card registration system shown in.

According to another exemplary embodiment of the present invention, a predetermined customer unique number assigned to the customer by the card issuing affiliate institution is linked to the customer information in the customer information D / B 680 provided at the card issuing affiliate institution. If processed and stored, the customer unique number may be further included in the card registration application information instead of the customer wireless terminal information (or membership card number), and the present invention is not limited thereto.

Thereafter, the server receives and reads the card registration request information from the terminal through the network means, and issues the affiliate card using the affiliate 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 (710).

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.

When the customer wireless terminal information is included in the card registration request information according to an embodiment of the present invention, and the customer information and predetermined customer wireless terminal information are stored in the customer information D / B 680 in association with each other, Validation of the issuance of the affiliate card to the customer includes comparing the customer wireless terminal information included in the card registration application information with the customer wireless terminal information stored in the customer information D / B 680. Preferably, the wireless terminal information includes checking whether the wireless terminal information includes the wireless terminal information actually used by the customer.

According to another embodiment of the present invention, if the membership card number is included in the card registration application information, and the customer information and the predetermined membership card number are stored in association with the customer information D / B 680, the Validation of the issuance of the alliance card to a customer may include comparing the membership card number included in the card registration application information with the membership card number stored in the customer information D / B 680 to determine the membership card number. It is preferable that the card issuing affiliated organization includes checking whether the membership card number previously issued to the customer is included.

If the validity to issue the affiliate card to the customer is not authenticated through the card registration application information (715), the server provides card registration error information to the customer through the card registration interface (720). 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 (715), the server is connected to the customer wireless terminal information (or membership card number) included in the card registration application information. All (or part) of the provided number is assigned to the affiliate card number for the registered affiliate card (725).

According to an embodiment of the present invention, a wireless terminal telephone number (for example, a mobile communication telephone number) or a wireless terminal unique number (for example, an ESN (Electronic Serial Number)) in the received (or validated) card registration application information. Number)), or wireless terminal information including at least one or more of a wireless terminal address (for example, an IP address or a MIP address), and the like, the server may include some (or all of the numbers included in the customer wireless terminal information). ) Is assigned to the card number of the registered affiliated card.

If the customer wireless terminal information included in the card registration application information includes the wireless terminal telephone number (eg, a mobile telephone number) according to the above-described method, the server converts the wireless terminal telephone number into an affiliate card number as it is. It is desirable to assign.

For example, when the wireless terminal telephone number (for example, mobile communication telephone number) is composed of "010-1234-9876", the server may assign "01012349876" as the card number of the registered affiliate card as it is. According to the intention of the person skilled in the art, a predetermined identification number may be further included in front of the radio terminal telephone number, or a predetermined check digit may be further included in the rear end of the radio terminal telephone number.

Alternatively, when the customer wireless terminal information included in the card registration request information includes the wireless terminal telephone number (eg, a mobile communication telephone number), the server allocates a part of the wireless terminal telephone number as an affiliate card number. It is preferable.

For example, when the wireless terminal telephone number (e.g., mobile communication telephone number) is "010-1234-9876", the server selects one of the first three digits of the telephone number corresponding to the mobile communication identification number (e.g., If the mobile identification number is "011", "1", "016" "6", "017" "7", "018" "8", "019" "9", "010" &Quot; 0 " and the like, and select a total of 9 digits by adjusting the remaining number to 8 digits, and use a 16 digit card number (e.g., 4 digit card company number, A 2-digit card type number, a 9-digit serial number (or a unique number), and a 1-digit check digit can be generated and assigned to the affiliated card number.

Those skilled in the art to which the present invention belongs, the customer wireless terminal information is the wireless terminal unique number (e.g. ESN (Electronic Serial Number)), or wireless terminal address (e.g. IP address, or MIP address) Etc.), it is possible to infer various implementation methods for allocating a part or all of the numbers included in the wireless terminal information to the card number of the registered affiliated card. It is characterized by including all the implementation method, in the Figure 6 it will be omitted for illustration for convenience.

According to another exemplary embodiment of the present invention, when the received (or validated) card registration application information includes a membership card number previously issued to the customer by the card issuing affiliate institution, the server is a customer. A part (or all) of the numbers included in the radio terminal information may be assigned to the card number of the registered affiliate card.

When the card registration application information includes a membership card number that follows a predetermined card number system according to the embodiment, the server preferably allocates the wireless terminal telephone number as an affiliate card number as it is. The card information generator 670 and 635 generate affiliate card information including the affiliate card number, or the card issuer 645 produces an affiliate card including the affiliate card information and provides the card to the customer. (Or delivery) function is omitted, and the membership card can be used as the affiliate card as it is.

Alternatively, if a membership card number conforming to a predetermined card number system is included, the server preferably allocates a part of the radio terminal telephone number as a card number for the registered affiliate card.

For example, if the card registration application information includes a membership card number that follows a predetermined card number system, the server extracts a number that is not duplicated on the card number system, and the extracted number is unique to the affiliate card. It is preferable to assign a card number to be used as a number (or serial number).

If one of ordinary skill in the art to which the present invention belongs, it extracts the non-overlapping number corresponding to each membership card number system, and the extracted number as a unique number (or serial number) for the affiliate card Since various implementation methods may be inferred, a detailed description thereof will be omitted for convenience.

Thereafter, the server generates predetermined affiliate card information including the affiliate card number (730).

According to an embodiment of the present invention, the affiliated card information includes the affiliated card number, the card verification value (or verification code), the card expiration date (some may be omitted), the card issuing affiliated agency information and the card issuing agency information (or code It is preferable to comprise at least one).

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) it to the customer (735).

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 685 (740).

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 600 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 firing 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 about a charge amount charged in the affiliated 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.

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

In more detail, FIG. 8 illustrates a non-face-to-face card registration interface (eg, client terminal and network means including at least one of a wired terminal and / or a wireless terminal) in which a predetermined customer in the card registration system shown in FIG. After connecting to the affiliate server 600 through the input (or select) the predetermined card registration application information, the affiliate server 600 based on the card registration application information to the predetermined partner card number to the customer A process of first issuing an affiliated card including a card, and then, dynamically generating (or real time) predetermined real card information (or real card number) in a card issuing organization through the process illustrated in FIGS. 9 and / or 10. And register in association with the affiliate card information (or affiliate card number).

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. However, the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

For example, FIG. 8 illustrates that the affiliate card is manufactured and provided (or shipped) to the customer, and then the affiliate card issuance information is stored in the storage medium 685. The process of storing the predetermined affiliate card issuance information in the storage medium 685 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 shown in FIG. 6 is referred to as a "terminal" for convenience, and the affiliate server 600 is referred to as a "server" for convenience.

Referring to FIG. 8, 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 using the affiliate card number through the communication channel. In operation 800, the server generates (or extracts) a user interface for issuing the affiliate card and provides the terminal to the terminal through the communication channel (805).

Thereafter, the terminal receives (or selects) the card registration request information through the user interface and transmits the card registration request information (in the selected) through the communication channel to the server (810).

According to an embodiment of the present invention, the card registration application information is included in customer information of the card registration customer, various card attribute information for setting a card attribute for the affiliate card, and a card number to be assigned to the affiliate card. It includes at least one or more customer wireless terminal information (or membership card number).

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 600. 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 firing. 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.

In addition, the customer wireless terminal information (or membership card number) included in the card number to be assigned to the alliance card is characterized in that it comprises information to be included in the predetermined card number to be assigned to the alliance card issued to the customer, When the customer information and the customer wireless terminal information are stored in association with a predetermined customer information D / B 680 provided to (or linked to) the card issuing affiliated institution, the card registration request information is stored in the wireless information of the customer. The terminal information, and if the customer information and the membership card number are stored in association with a predetermined customer information D / B 680 provided to (or linked to) the card issuing affiliate institution, the card is transmitted. It is desirable to include the wireless terminal information of the customer in the registration application information to be transmitted.

According to an embodiment of the present invention, the card issuing affiliate institution includes at least one or more mobile carriers and various wireless carriers affiliated with the card issuing agency, or the card issuing affiliate institution is connected to the customer wireless terminal in the member registration process. At least one of a wireless terminal telephone number (e.g., a mobile communication telephone number), a wireless terminal unique number (e.g., an ESN (Electronic Serial Number)), or a wireless terminal address (e.g., an IP address or a MIP address). When receiving the wireless terminal information including the above and stored in the predetermined customer information D / B (680) in association with the customer information, the affiliate server 600 the wireless terminal information of the customer in the card registration application information It is preferable to transmit, including, the wireless terminal phone number (eg, mobile communication phone number), or radio terminal included in the customer wireless terminal information The wireless terminal information including at least one of a number (for example, an electronic serial number (ESN)) or a wireless terminal address (for example, an IP address or a MIP address) may be obtained through the card registration system shown in FIG. It is preferably included in the affiliate card number to be issued to the customer.

According to another embodiment of the present invention, the card issuing affiliate institution issues a predetermined membership card to the customer, and the customer information and the predetermined customer information D / B 680 provided to the card issuing affiliate institution. When the membership card number is stored in association, the affiliate server 600 preferably transmits the membership card number previously issued to the customer in the card registration application information, and the membership card number is shown in FIG. 6. It is preferably included in the affiliate card number to be issued to the customer through the card registration system shown in.

According to another exemplary embodiment of the present invention, a predetermined customer unique number assigned to the customer by the card issuing affiliate institution is linked to the customer information in the customer information D / B 680 provided at the card issuing affiliate institution. If processed and stored, the customer unique number may be further included in the card registration application information instead of the customer wireless terminal information (or membership card number), and the present invention is not limited thereto.

Thereafter, the server receives and reads the card registration request information from the terminal through the network means, and issues the affiliate card using the affiliate 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 (815).

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.

When the customer wireless terminal information is included in the card registration request information according to an embodiment of the present invention, and the customer information and predetermined customer wireless terminal information are stored in the customer information D / B 680 in association with each other, Validation of the issuance of the affiliate card to the customer includes comparing the customer wireless terminal information included in the card registration application information with the customer wireless terminal information stored in the customer information D / B 680. Preferably, the wireless terminal information includes checking whether the wireless terminal information includes the wireless terminal information actually used by the customer.

According to another embodiment of the present invention, if the membership card number is included in the card registration application information, and the customer information and the predetermined membership card number are stored in association with the customer information D / B 680, the Validation of the issuance of the alliance card to a customer may include comparing the membership card number included in the card registration application information with the membership card number stored in the customer information D / B 680 to determine the membership card number. It is preferable that the card issuing affiliated organization includes checking whether the membership card number previously issued to the customer is included.

If the validity to issue the affiliate card to the customer is not authenticated through the card registration application information (820), the server provides card registration error information to the customer through the card registration interface (825). 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 (820), the server is connected to the customer wireless terminal information (or membership card number) included in the card registration application information. All (or part) of the provided number is assigned to the affiliate card number for the registered affiliate card (830).

According to an embodiment of the present invention, a wireless terminal telephone number (for example, a mobile communication telephone number), or a wireless terminal unique number (for example, an ESN (Electronic Serial Number)) in the received (or validated) card registration application information. Number)), or wireless terminal information including at least one or more of a wireless terminal address (for example, an IP address or a MIP address), and the like, the server may include some (or all of the numbers included in the customer wireless terminal information). ) Is assigned to the card number of the registered affiliated card.

If the customer wireless terminal information included in the card registration application information includes the wireless terminal telephone number (eg, a mobile telephone number) according to the above-described method, the server converts the wireless terminal telephone number into an affiliate card number as it is. It is desirable to assign.

For example, when the wireless terminal telephone number (for example, mobile communication telephone number) is composed of "010-1234-9876", the server may assign "01012349876" as the card number of the registered affiliate card as it is. According to the intention of the person skilled in the art, a predetermined identification number may be further included in front of the radio terminal telephone number, or a predetermined check digit may be further included in the rear end of the radio terminal telephone number.

Alternatively, when the customer wireless terminal information included in the card registration request information includes the wireless terminal telephone number (eg, a mobile communication telephone number), the server allocates a part of the wireless terminal telephone number as an affiliate card number. It is preferable.

For example, when the wireless terminal telephone number (e.g., mobile communication telephone number) is "010-1234-9876", the server selects one of the first three digits of the telephone number corresponding to the mobile communication identification number (e.g., If the mobile identification number is "011", "1", "016" "6", "017" "7", "018" "8", "019" "9", "010" &Quot; 0 " and the like, then select a total of 9 digits by adjusting the remaining numbers to 8 digits, and use a 16 digit card number (e.g., 4 digit card company number, A 2-digit card type number, a 9-digit serial number (or a unique number), and a 1-digit check digit can be generated and assigned to the affiliated card number.

Those skilled in the art to which the present invention belongs, the customer wireless terminal information is the wireless terminal unique number (e.g. ESN (Electronic Serial Number)), or wireless terminal address (e.g. IP address, or MIP address) Etc.), it is possible to infer various implementation methods for allocating a part or all of the numbers included in the wireless terminal information to the card number of the registered affiliated card. It is characterized by including all the implementation method, in the Figure 6 it will be omitted for illustration for convenience.

According to another exemplary embodiment of the present invention, when the received (or validated) card registration application information includes a membership card number previously issued to the customer by the card issuing affiliate institution, the server is a customer. A part (or all) of the numbers included in the radio terminal information may be assigned to the card number of the registered affiliate card.

When the card registration application information includes a membership card number conforming to a predetermined card number system according to the method, the server preferably allocates the wireless terminal telephone number as an affiliated card number. The affiliate card information generating unit 670 or 635 generates affiliate card information including the affiliate card number, or the card issuing unit 645 produces an affiliate card including the affiliate card information to the customer. The function of providing (or delivering) is omitted, and the membership card can be used as the affiliate card as it is.

Alternatively, if a membership card number conforming to a predetermined card number system is included, the server preferably allocates a part of the radio terminal telephone number as a card number for the registered affiliate card.

For example, if the card registration application information includes a membership card number that follows a predetermined card number system, the server extracts a number that is not duplicated on the card number system, and the extracted number is unique to the affiliate card. It is preferable to assign a card number to be used as a number (or serial number).

If one of ordinary skill in the art to which the present invention belongs, it extracts the non-overlapping number corresponding to each membership card number system, and the extracted number as a unique number (or serial number) for the affiliate card Since various implementation methods may be inferred, a detailed description thereof will be omitted for convenience.

Thereafter, the server generates predetermined affiliate card information including the affiliate card number (835).

According to an embodiment of the present invention, the affiliated card information includes the affiliated card number, the card verification value (or verification code), the card expiration date (some may be omitted), the card issuing affiliated agency information and the card issuing agency information (or code It is preferable to comprise at least one).

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 embodiment of the present invention, if the affiliated card is an MS card, the card registration apparatus registers the affiliated card information on at least one or more MS tracks (eg, track I, track II, and track III) included in the affiliated card. It is preferable to include a device 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 685 (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 At least one member information (for example, member ID information) subscribed to the affiliate server 600 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 firing 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 about a charge amount charged in the affiliated 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.

9 is a diagram illustrating a process of registering real card information (or real card number) for issuing an affiliate card using customer wireless terminal information (or membership card number) according to one embodiment of the present invention.

In more detail, FIG. 9 shows predetermined affiliated card information including all (or part) of the customer wireless terminal information (or membership card number) through the card registration process shown in FIGS. 7 and / or 8. Or an affiliate card including an affiliate card number), and when the affiliate server 600 provides the affiliate card issuance information to the card company server 650 provided at the card issuer, the card company server 650. The association card information (or affiliate card number) and predetermined seal card information (or seal card number) are linked to and stored in predetermined card information D / B 695 based on the association card issuing information. As a process of registering a user to use an affiliate card, specifically, a predetermined room to be linked with the affiliate card information (or affiliate card number) in the card company server 650. The present invention relates to a method for dynamically generating (or real-time numbering) a card number and registering the card number in association with the affiliate card information (or affiliate card number).

Those skilled in the art to which the present invention pertains, real card information (or real card) for issuing an affiliate card using the customer wireless terminal information (or membership card number) by referring to and / or modifying the drawing 9 No.) Various implementation methods for the registration process may be inferred, but the present invention includes all the implementation methods inferred above, and the technical features are not limited to the implementation method shown in FIG.

Referring to FIG. 9, through the process shown in FIG. 7 and / or FIG. 8, the affiliate server 600 provided in the card issuing affiliated institution may include the entire (or membership card number) of the customer wireless terminal information (or membership card number). An affiliated card including predetermined affiliated card information (or affiliated card number), which is made up of a portion thereof, and issues the customer information, the affiliated card information, and card attribute information of the affiliated card in response to the issuance of the affiliated card. After storing the at least one affiliate card issuance information including at least one in a predetermined storage medium 685, the customer information corresponding to the affiliate card and the affiliate card information (or Affiliation card issuance information including at least one affiliate card number) and at least one card attribute information (900), and the card company server 650 is linked to the affiliate card issuance information. Stores a branded card management information further comprises a card-issuing partners information to a predetermined card information D / B (695) (905).

Thereafter, the card company server 650 is included in the affiliate card issuance information from the seal card number D / B 690 from a predetermined seal card number D / B 690 (or included in the affiliate card management information). In operation 910, a predetermined real card number to be associated with the affiliate card information (or affiliate card number) is generated according to the card number generation rule (or rule associated with the card issuing affiliate institution) of the merchant card issuing agency.

If a predetermined seal card number to be associated with the affiliate card information (or affiliate card number) is generated (915), the card company server 650 may assign a predetermined card verification value (or verification code) corresponding to the seal card number. Generate (920).

Here, the card verification value (or verification code) is a CVV (Card Verification Value) of a Visa card, a Card Validation Code (CVC) of a master card, a CID (Confidential Identifier Number or Card) of an American Express card according to the actual card number system. It is preferable to include any one of Identification Number, and if the person having ordinary skill in the art, the card company server 650 is a CVV (Card Verification Value), master of the Visa card You will be familiar with the technical features of generating a card validation value (or validation code) that includes at least one of a Card Validation Code (CVC) on a card and a Confidential Identifier Number or Card Identification Number (CID) on an American Express card. Detailed description thereof will be omitted for convenience.

Thereafter, the card company server 650 generates predetermined seal card information including the seal card number and a card verification value (or verification code) (925).

Here, the seal card information includes at least one seal card number, a card verification value (or verification code), the card expiration date (some may be omitted), card issuing agency information, and card issuing organization information (or code). It is preferable to make it.

Thereafter, the card company server 650 processes the affiliate card information (or affiliate card number) and the seal card information (or seal card number) in a predetermined card information D / B 695 and stores the linked card information. The usage registration for the card is processed (930).

According to the exemplary embodiment of the present invention, the card company server 650 processes the affiliate card information (or affiliate card number) and the seal card information (or seal card number) in association with predetermined card information D / B 695. The storing in the card information D / B 695 may be performed by further linking and storing the real card information (or real card number) in the associated card operation information stored in the card information D / B 695.

According to one embodiment of the present invention, the card information D / B 695 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 695 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 695 may be an online payment system, and / or a WAP-based wireless payment system, and / or an IC chip provided to (or associated with) 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 695 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.

Thereafter, the card company server 650 communicates the real card information (or real card number) that is associated with the affiliate card information (or affiliate card number) (or further associated with the affiliate card operation information). The affiliated server 600 is transmitted to the affiliated server 600 through 935. In response thereto, the affiliated server 600 further includes the actual card information (or actual card number) in the affiliated card issuance information and stores the stored medium 685. (940).

According to the exemplary embodiment of the present invention, the card company server 650 stores the affiliate card information (or affiliate card number) and the actual card information (or seal card number) in the card information D / B 695 in association. Thereafter, it is possible to produce and issue a predetermined affiliate card including the seal card information (or seal card number) and deliver it to the customer, in which case the affiliate card including the seal card information (or seal card number). Is confirmed to have been delivered to the customer and at the same time, the affiliate card issued to the customer including the affiliate card information (or affiliate card number) by the affiliate server 600 is suspended, and the actual card information (or It is preferable that the affiliate card issued later to the customer, including the actual card number), is newly registered for use.

10 is a diagram illustrating a process of registering real card information (or real card number) for issuing an affiliate card using customer wireless terminal information (or membership card number) according to another embodiment of the present invention.

More specifically, FIG. 10 shows predetermined affiliate card information including all (or part) of the customer wireless terminal information (or membership card number) through the card registration process shown in FIGS. 7 and / or 8. Or an affiliate card including an affiliate card number), and when the affiliate server 600 provides the affiliate card issuance information to the card company server 650 provided at the card issuer, the card company server 650. The association card information (or affiliate card number) and predetermined seal card information (or seal card number) are linked to and stored in predetermined card information D / B 695 based on the association card issuing information. As a process of registering a user to use an affiliate card, specifically, a predetermined room to be linked with the affiliate card information (or affiliate card number) in the card company server 650. The present invention relates to an implementation method of dynamically generating predetermined real card information including a card number and cooperatively registering the affiliate card information (or affiliate card number).

Those skilled in the art to which the present invention pertains, real card information (or real card) for issuing an affiliate card using the customer wireless terminal information (or membership card number) by referring to and / or modifying the drawing 10. No.) Various implementation methods for the registration process may be inferred, but the present invention includes all the implementation methods inferred above, and the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 10, through the process shown in FIGS. 7 and / or 8, the affiliate server 600 provided in the card issuing affiliate institution may store the entire (or membership card number) of the customer wireless terminal information (or membership card number). An affiliated card including predetermined affiliated card information (or affiliated card number), which is made up of a portion thereof, After storing the at least one affiliate card issuance information including at least one in a predetermined storage medium 685, the customer information corresponding to the affiliate card and the affiliate card information (or Affiliate card number information) and at least one affiliate card issuance information including at least one card attribute information (6000), and the card company server 650 is connected to the affiliate card issue information. Stores a branded card management information further comprises a card-issuing group affiliation information to the predetermined card information D / B (695) (6005).

Thereafter, the card company server 650 is included in the affiliate card issuance information from the seal card number D / B 690 from a predetermined seal card number D / B 690 (or included in the affiliate card management information). In operation 6010, predetermined real card information to be associated with the affiliate card information (or affiliate card number) is generated according to the card information generation rule (or rule associated with the card issuing affiliate institution) of the merchant card issuing agency.

The seal card information may include the seal card number and a card verification value (or verification code) (eg, a CVV (Card Verification Value) of a Visa card, a Card Validation Code (CVC) of a master card, and a CID (Confidential) of an American Express card. Identifier Number or Card Identification Number), etc.), the card expiration date (some may be omitted), card issuing partner information, and card issuing organization information (or code).

If predetermined seal card information to be associated with the affiliate card information (or affiliate card number) is generated (6015), the card company server 650 may associate the affiliate card information (or affiliate card number) with the seal card information (or The real card number) is cooperatively processed and stored in the predetermined card information D / B 695, thereby processing the use registration for the affiliated card (6020).

According to the exemplary embodiment of the present invention, the card company server 650 processes the affiliate card information (or affiliate card number) and the seal card information (or seal card number) in association with a predetermined card information D / B 695. The storing in the card information D / B 695 may be performed by further linking and storing the real card information (or real card number) in the associated card operation information stored in the card information D / B 695.

According to one embodiment of the present invention, the card information D / B 695 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 695 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 695 may be an online payment system, and / or a WAP-based wireless payment system, and / or an IC chip provided to (or associated with) 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 695 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.

Thereafter, the card company server 650 communicates the real card information (or real card number) that is associated with the affiliate card information (or affiliate card number) (or further associated with the affiliate card operation information). The affiliated server 600 is transmitted to the affiliated server 600 through 6060. In response thereto, the affiliated server 600 further includes the actual card information (or actual card number) in the affiliated card issuance information, and the storage medium 685. (6030).

According to the exemplary embodiment of the present invention, the card company server 650 stores the affiliate card information (or affiliate card number) and the actual card information (or seal card number) in the card information D / B 695 in association. Thereafter, it is possible to produce and issue a predetermined affiliate card including the seal card information (or seal card number) and deliver it to the customer, in which case the affiliate card including the seal card information (or seal card number). Is confirmed to have been delivered to the customer and at the same time, the affiliate card issued to the customer including the affiliate card information (or affiliate card number) by the affiliate server 600 is suspended, and the seal card information (or seal It is preferable that the affiliate card issued later to the customer including the card number) is newly registered for use.

11 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) using an affiliate card number according to an embodiment of the present invention.

In more detail, Figure 11 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 using a predetermined affiliate card number is provided, the card issuing affiliated agency provides the wireless IC chip provided to the customer to the customer based on the provided card registration application information. After issuing an affiliate card in the form of a card applet (or IC chip storage information) including a predetermined affiliate card number, a predetermined seal associated with the affiliate card number is provided by the card issuing agency affiliated with the card issuing affiliate institution. A system configuration for registering a card number later, specifically, at least one seal to be associated with the affiliate card number. The card number is provided in the predetermined real card number D / B 1190 in a batch lease method, or the real card number is obtained from the predetermined real card number D / B 1190 in real time. It is shown.

Those skilled in the art to which the present invention pertains can deduce various implementation methods for the card registration system configuration for issuing an affiliate card using the affiliate card number by referring to and / or modifying the drawing 11. It will be appreciated that the present invention includes all implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, a card applet (or IC chip storage) is a wireless IC chip provided in the customer wireless terminal 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. Information corresponding to at least one or more means and / or functional configuration for issuing an affiliate card of the form &quot; partner server 1100 &quot; for convenience. It is preferable to include at least one of a mobile communication company, various wireless communication companies, various wired communication companies, a portal service provider, etc., which are affiliated with a card issuer.

Referring to FIG. 11 according to an embodiment of the present invention, a card registration system for issuing an affiliate card using the affiliate card number is provided 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 a communication channel is connected to the affiliate server 1100 provided in the card issuing affiliate institution through a predetermined network means.

According to an exemplary embodiment of the present invention, the customer visits the card issuing institution to issue an affiliate card through the card number leasing and through the counter provided to the card issuing institution (or through an affiliated employee). Fill out a predetermined card registration application for issuing an affiliate card using a number (e.g., a document with a form for filling in at least one information item for issuing an affiliate card using the affiliate card number) and / or the affiliate employee Visit the customer to have the customer fill out a predetermined card registration application for issuing an affiliate card using the affiliate card number), and submit the completed card registration application to an affiliated employee. Enter the information filled in the card registration application through the employee's terminal (or ), And the staff terminal is preferably sent to the affiliate server 1100 provided in the card-issuing partners through the network means to the information, the input (or selected).

Here, preferably, the employee terminal includes an employee terminal used by an affiliated employee provided in the card issuing institution, and the affiliate server 1100 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 1100 is between the employee terminal and the affiliate server 1100. 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 1100, 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 1100 through at least one client terminal and input card registration application information for issuing an affiliate card using the affiliate card number through at least one user interface provided by the affiliate server 1100. (Or optional), the client terminal preferably transmits through the predetermined network means to the affiliate server 1100 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 transmission control protocol / Internet protocol (TCP / IP) based communication network, and includes a desktop computer and / or connected to the TCP / IP based communication network. At least one notebook or a home appliance terminal (eg, a set-top-box) connected to the TCP / IP-based communication network or a kiosk connected to the TCP / IP-based communication network It is preferable to make.

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 1100, input and / or select at least one information through the user interface, and transmit the same to the affiliate server 1100. 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 1100) 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 1100 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, in addition to the employee terminal and / or client terminal, a predetermined financial network (eg, A financial automatic machine (not shown) including an automatic teller machine (ATM), a cash dispenser (CD) connected to a financial common network, and / or a predetermined public telephone network 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 wireless telephone network such as a mobile communication network or 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 further comprising a predetermined call terminal (not shown) connected to the card issuing organization. Bourbon) (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 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 1100 to perform a function of a card registration interface for registering a card registration application information for the customer to issue an affiliate card through leasing the card number, and / or the card registration. When the terminal 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 1100 may be used by the customer. Perform a function of a card registration interface for registering card registration application information for issuing an affiliate card through number rental, and / or the card registration stage In the case of 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) Network connecting the affiliate server 1100 performs a function of a card registration interface for registering the card registration application information for the customer to issue an affiliate card through the lease of the card number.

The card issuing affiliate institution includes a customer information D / B 1180 for linking and processing the customer information and predetermined customer wireless terminal information, or is previously issued to the customer by the customer information and the card issuing affiliate institution. Customer information D / B (1180) having a customer information D / B (1180) for storing and cooperatively processing the membership card number of the customer information, or customer information D / B (1180) for storing the customer information and the customer wireless terminal information and membership card number in association And the customer information D / B 1180 is provided in a predetermined DB server provided in the card issuing affiliate institution according to the intention of the person skilled in the art (or a disciplinary area of the card issuing affiliate institution). It is possible to be provided in a DBMS (or DB server) provided in an external organization that shares customer information with the card issuing affiliated institution.

Here, the customer wireless terminal information may be a wireless terminal telephone number (for example, a mobile communication telephone number), or a wireless terminal unique number (for example, an electronic serial number (ESN)), or a wireless terminal address (for example, an IP address or a MIP address). Etc.), and preferably the membership card number includes a card number system of a membership card issued to the customer by the card issuing affiliated institution.

The storage medium 1185 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, and then the customer information according to the issuance of the alliance card. And affiliated card information and card attribute information and affiliated card issuance information including at least one or more of the customer wireless terminal information (or membership card number), and issuing the affiliated card stored in the storage medium 1185. The information is used by the card issuing affiliate to provide the affiliate card related service through the lease of the card number.

According to another exemplary embodiment of the present invention, the storage medium 1185 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. In this case, the storage medium 1185 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 1100 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 through a predetermined network means, and includes at least one server (or device). The present invention may be implemented in one or more programs 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 1100 is provided with an interface unit 1105 (or interface means) for providing a predetermined card registration interface to the card registration terminal through the network means. do.

According to an exemplary embodiment of the present invention, when the card registration terminal is an employee terminal connected to a predetermined financial network, the interface unit 1105 communicates with the employee terminal based on a protocol stack defined in the financial network. It is preferable to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in the card registration application program provided in the employee terminal.

According to another embodiment of the present invention, if the card registration terminal is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 1105 is based on the protocol stack defined in the wired communication network. It is preferable to provide a communication interface for connecting at least one communication channel with a 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 1105 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 1100 is provided in the client terminal, the interface unit 1105 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 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 1105 is based on a protocol stack defined in the wireless communication network. It is preferable to connect a predetermined communication channel with the client terminal, and to provide a communication interface for transmitting and receiving at least one or more 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 WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol is provided in the client terminal, the interface unit 1105 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 1100, the interface unit 1105 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. 11, the affiliate server 1100 is linked with the interface unit 1105 when a predetermined card registration terminal is connected to the affiliate server 1100 through the interface unit 1105. An interface providing unit 1110 (or interface providing means) for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined card registration application information to the card registration terminal; An information receiving unit 1115 (or information receiving means) for receiving predetermined card registration application information which is input (or selected) and transmitted from the card registration terminal through the user interface in association with the interface unit 1105; Validation authentication unit (1120) (or check the validity of issuing the affiliate card to the customer based on the received card registration application information) Affiliate card number assignment for allocating a part (or all) of the number including Hyosung authentication means) and customer wireless terminal information (or membership card number) included in the card registration application information to the card number of the registered affiliated card. A unit 1130 (or an association card number assignment means), an association card information generation unit 1135 (or information generation means) for generating predetermined association card information including the association card number, and the association card information. The client applet generating unit 1197 (or applet generating means) for generating a predetermined card applet (or IC chip storage information), and the card applet (or IC chip storage information) are wirelessly communicated through a predetermined wireless communication network. A card issuing unit 1145 (or card issuing means) for issuing the alliance card by providing it to a terminal and recording it on a wireless IC chip provided in the customer wireless terminal; A branded card issuing information corresponding to the holiday card is characterized in that formed in an information storage section 1140 (or information storage means) for storing in the storage medium (1185).

In addition, after a predetermined affiliate card is issued through the card issuing unit 1145, the affiliate server 1100 performs the predetermined communication means (for example, a dedicated communication network or a secure communication network based on encrypted communication). And an information transmitting / receiving unit 1125 which transmits customer information corresponding to the affiliated card, affiliated card information (or associated card number), and card attribute information to the card company server 1150 corresponding to the card issuer. It features.

In addition, the information transmitting and receiving unit 1125 is characterized in that for receiving from the card company server 1150 the predetermined seal card information (or seal card information) processed in association with the affiliate card information (or affiliate card number), The information storage unit 1140 further includes the actual card information (or actual card number) in the affiliate card issuance information and stores the information in the storage medium 1185 (eg, customer information and affiliate card information (or affiliate card). Number), card attribute information, and real card information (or real card number) in association with each other).

The interface providing unit 1110, when a predetermined card registration terminal is connected to the affiliate server 1100 through the interface unit 1105, the card registration application information corresponding to the functional configuration provided in the card registration terminal; Generate a predetermined user interface which can be input (or selected) and transmitted to the affiliate server 1100 via the network means, and / or extract from a predetermined database (not shown), and with the interface unit 1105 And providing the generated (or extracted) user interface to the card registration terminal through the network means.

Thereafter, the card registration terminal 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 1100 through the network means. send.

According to an exemplary embodiment of the present invention, when the card registration terminal is an employee terminal connected to a predetermined financial network, the interface providing unit 1110 may provide a predetermined user interface provided by a card registration application program provided in the employee terminal. It is preferable to generate (or extract) and provide the generated (or extracted) user interface to the employee terminal through the interface unit 1105.

According to another exemplary embodiment of the present invention, when the card registration terminal is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface providing unit 1110 may include a browser program and / or provided in the client terminal. It is preferable to 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 1105.

According to another exemplary embodiment of the present invention, when the card registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 1110 may include a browser program provided in the client terminal and / or Alternatively, it is preferable to 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 1105.

When the information receiving unit 1115 inputs (or selects) predetermined card registration application information through the user interface from the card registration terminal and transmits the information through the network means, the card registration unit interlocks with the interface unit 1105 to register the card. Characterized by receiving the application information, and provides the received card registration application information to the validity authentication unit 1120.

According to an embodiment of the present invention, the card registration application information includes customer information of the card registration customer, customer wireless terminal information provided with the wireless IC chip, and various card attribute information for setting card attributes for the affiliated card. And at least one of the customer wireless terminal information (or membership card number) included in the card number to be assigned to the affiliated card, and is intended by those skilled in the art (or a wireless terminal corresponding to the card issuing affiliated organization). Characteristics), the customer wireless terminal information with the wireless IC chip and the customer wireless terminal information included in the card number to be assigned to the affiliated card may be the same or different.

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 1100. It is preferable to include at least one member information (eg, member ID information).

In addition, the customer wireless terminal information is unique information of the customer wireless terminal equipped with a wireless IC chip capable of recording a card applet (or IC chip storage information) (for example, wireless terminal telephone number, address information, or identification information, Or at least one of ID information, etc.), and a card applet corresponding to the affiliate card by a wireless terminal corresponding to the customer wireless terminal information for issuing a predetermined affiliate card through the card number rental. Or IC chip storage 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 firing. 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.

In addition, the customer wireless terminal information (or membership card number) included in the card number to be assigned to the alliance card is characterized in that it comprises information to be included in the predetermined card number to be assigned to the alliance card issued to the customer, When the customer information and the customer wireless terminal information are stored in association with a predetermined customer information D / B 1180 provided to (or linked to) the card issuing affiliated institution, the card registration request information is stored in the wireless information of the customer. Or the terminal information, and if the customer information and the membership card number are stored in association with a predetermined customer information D / B 1180 provided (or associated with) the card issuing affiliated institution, the card is transmitted. It is desirable to include the wireless terminal information of the customer in the registration application information to be transmitted.

According to an embodiment of the present invention, the card issuing affiliate institution includes at least one or more mobile carriers and various wireless carriers affiliated with the card issuing agency, or the card issuing affiliate institution is connected to the customer wireless terminal in the member registration process. At least one of a wireless terminal telephone number (e.g., a mobile communication telephone number), a wireless terminal unique number (e.g., an ESN (Electronic Serial Number)), or a wireless terminal address (e.g., an IP address or a MIP address). When receiving the wireless terminal information including the above and stored in the predetermined customer information D / B (1180) in conjunction with the customer information, the affiliate server 1100 the wireless terminal information of the customer in the card registration application information It is preferable to include, and to transmit, a wireless terminal telephone number (for example, a mobile communication telephone number) included in the customer wireless terminal information, or a wireless terminal Wireless terminal information including at least one of a serial number (for example, an electronic serial number (ESN)) or a wireless terminal address (for example, an IP address or a MIP address, etc.) may be obtained through a card registration system shown in FIG. It is preferably included in the affiliate card number to be issued to the customer.

According to another embodiment of the present invention, the card issuing affiliate institution issues a predetermined membership card to the customer, and the customer information and the predetermined customer information D / B 1180 provided at the card issuing affiliate institution. When the membership card number is stored in association, the affiliate server 1100 preferably transmits the membership card number previously issued to the customer in the card registration application information, and the membership card number is shown in FIG. It is preferably included in the affiliate card number to be issued to the customer through the card registration system shown in.

According to another exemplary embodiment of the present invention, a predetermined customer unique number assigned to the customer by the card issuing affiliate institution is linked to the customer information in the customer information D / B 1180 provided at the card issuing affiliate institution. If processed and stored, the customer unique number may be further included in the card registration application information instead of the customer wireless terminal information (or membership card number), and the present invention is not limited thereto.

The validity authentication unit 1120 may verify the validity of issuing the alliance card to the customer based on the customer information and the customer wireless terminal 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.

When the customer wireless terminal information is included in the card registration request information according to an embodiment of the present invention, and the customer information and the predetermined customer wireless terminal information are stored in the customer information D / B 1180 in association with each other, Validation of the issuance of the alliance card to the customer may include comparing the customer wireless terminal information included in the card registration application information with the customer wireless terminal information stored in the customer information D / B 1180. Preferably, the wireless terminal information includes checking whether the wireless terminal information includes the wireless terminal information actually used by the customer.

According to another embodiment of the present invention, if the membership card number is included in the card registration application information, and the customer information and a predetermined membership card number are stored in association with the customer information D / B 1180, the Validation of the issuance of the alliance card to a customer may include comparing the membership card number included in the card registration application information with the membership card number stored in the customer information D / B 1180 to determine the membership card number. It is preferable that the card issuance affiliated organization includes checking whether the card number including the membership card previously issued to the customer.

A wireless terminal telephone number (for example, a mobile communication telephone number), or a wireless terminal unique number, in the card registration request information received through the information receiving unit 1115 (or validated through the validity authentication unit 1120). (E.g., an electronic serial number (ESN)) or wireless terminal information including at least one or more of a wireless terminal address (for example, an IP address or a MIP address), etc., the affiliated card number assignment unit 1130 Is assigned to a part (or all) of the number included in the customer wireless terminal information as the card number of the registered affiliate card.

According to an exemplary embodiment of the present invention, when the customer wireless terminal information included in the card registration application information includes the wireless terminal telephone number (eg, a mobile communication telephone number), the affiliated card number assignment unit 1130 may be configured to perform the above. It is preferable to assign the radio terminal telephone number as an affiliate card number.

For example, when the wireless terminal telephone number (e.g., mobile communication telephone number) is made of "010-1234-9876", the alliance card number assignment unit 1130 stores the "01012349876" as the card of the affiliate card registered as it is. The number may be assigned, and according to the intention of the person skilled in the art, a predetermined identification number may be further included in front of the radio terminal telephone number, or a predetermined check digit may be further included in the rear end of the radio terminal telephone number.

Alternatively, when the customer wireless terminal information included in the card registration request information includes the wireless terminal telephone number (eg, a mobile communication telephone number), the alliance card number assignment unit 1130 may be a part of the wireless terminal telephone number. Is preferably assigned to the affiliate card number.

For example, when the wireless terminal telephone number (for example, the mobile communication telephone number) is "010-1234-9876", the alliance card number assignment unit 1130 corresponds to the first 3 corresponding to the mobile communication identification number among the telephone numbers. Select one of the digits (for example, if the mobile identification number is "011", "1", "016", "6", "017" "7", "018" "8", "019") &Quot; 0 ", etc. for " 9 ", " 010 ", 16-digit card number (e.g., &lt; RTI ID = 0.0 &gt;) &lt; / RTI &gt; 4 digit card company number, 2 digit card type number, 9 digit serial number (or unique number) and 1 digit check digit) can be generated and assigned to the affiliated card number.

Those skilled in the art to which the present invention belongs, the customer wireless terminal information is the wireless terminal unique number (e.g. ESN (Electronic Serial Number)), or wireless terminal address (e.g. IP address, or MIP address) Etc.), it is possible to infer various implementation methods for allocating a part or all of the numbers included in the wireless terminal information to the card number of the registered affiliated card. It is characterized by including all the implementation method, in the Figure 11 will be omitted for illustration for convenience.

The card registration application information received through the information receiving unit 1115 (or validated through the validity authenticating unit 1120) includes a membership card number previously issued to the customer by the card issuing affiliate institution. In this case, the alliance card number assignment unit 1130 may allocate a portion (or all) of the numbers included in the customer wireless terminal information to the card number of the registered alliance card.

According to an embodiment of the present invention, when the card registration application information includes a membership card number that follows a predetermined card number system, the affiliate card number assignment unit 1130 converts the wireless terminal phone number into an affiliate card number as it is. Preferably, in this case, the affiliate card information generating unit 1135 generates affiliate card information including the affiliate card number, or the card issuer 1145 includes the affiliate card information. The function of producing and providing (or delivering) to the customer is omitted, and the membership card can be used as the affiliate card as it is.

Alternatively, when a membership card number that follows a predetermined card number system is included, the affiliated card number assignment unit 1130 preferably allocates a part of the radio terminal telephone number as a card number for the registered partnership card. Do.

For example, when the card registration application information includes a membership card number that follows a predetermined card number system, the affiliated card number assignment unit 1130 extracts a number that does not overlap on the card number system, and extracts the extracted number. It is preferable to assign a card number using a unique number (or serial number) for the association card.

If one of ordinary skill in the art to which the present invention belongs, it extracts the non-overlapping number corresponding to each membership card number system, and the extracted number as a unique number (or serial number) for the affiliate card Since various implementation methods may be inferred, a detailed description thereof will be omitted for convenience.

When the number including the customer wireless terminal information (or membership card number) is assigned to the card number of the affiliated card as described above, the affiliated card information generation unit 1135 includes predetermined affiliated card information including the affiliated card number. It characterized in that to generate.

According to an embodiment of the present invention, the affiliated card information includes the affiliated card number, the card verification value (or verification code), the card expiration date (some may be omitted), the card issuing affiliated agency information and the card issuing agency information (or code It is preferable to comprise at least one).

When predetermined affiliated card information included in the affiliated card is generated by the affiliated card information generation unit 1135, the applet generator 1197 stores a predetermined card applet (or IC chip storage) including the affiliated card information. Information), wherein the card applet (or IC chip storage information) is recorded in a wireless IC chip provided in the customer wireless terminal and is a file structure operable on a chip operating system (COS) on the wireless IC chip. It is preferable to comprise a.

When the card applet (or IC chip storage information) is generated by the applet generating unit 1197, the card issuing unit 1145 sends the card to the customer wireless terminal through a wireless communication network corresponding to the customer wireless terminal information. By sending an applet (or IC chip storage information), the customer wireless terminal records the card applet (or IC chip storage information) on a wireless IC chip provided in the wireless terminal to issue the affiliate card to the customer. It is characterized by.

According to another embodiment of the present invention, when the card issuing affiliated institution is provided with at least one card applet (or IC chip storage information) including the affiliated card information, the affiliated card number assignment unit 1130 is configured to provide the card. Checking the card number (or card information) included in the predetermined card applet (or IC chip storage information) to be transmitted to the customer among the applets (or IC chip storage information) may replace the alliance card number assignment process. In this case, the association card information generation unit 1135, the applet generation unit 1197, and the card issuing unit 1145 may be omitted, and the present invention is not limited thereto.

Thereafter, the information storage unit 1140 may include customer information included in the card registration application information received from the customer through the information receiving unit 1115, the generated affiliate card information, card attribute information of the affiliate card, and the like. And storing the affiliated card issuance information including at least one of the customer wireless terminal information (or a membership card number) in the storage medium 1185.

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 1100 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 firing 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 about a charge amount charged in the affiliated 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.

A predetermined affiliate card number is assigned by the affiliate card number assignment unit 1130, or predetermined affiliate card information including the affiliate card number is generated by the affiliate card information generation unit 1135, or the card When an affiliated card including the affiliated card information is issued by the issuing unit 1145, the information transmitting and receiving unit 1125 uses a predetermined communication means (for example, a dedicated communication network or a secure communication network based on encrypted communication). Through the card company server 1150 corresponding to the card issuing organization through the customer information corresponding to the affiliated card, the affiliated card information (or associated card number) and the card attribute information.

Alternatively, the information transceiving unit 1125 may receive real card information (or real card number) corresponding to the affiliated card from the card company server 1150 corresponding to the card issuer through the communication means. In this case, the information storage unit 1140 may further include the seal card information (or seal card number) in the association card issuance information and store it in the storage medium 1185 (for example, customer information and association card information (or Associate card number), card attribute information, and real card information (or real card number) in association with each other and stored).

According to an embodiment of the present invention, the real card number D / B 1190 provided to the card issuing organization is associated with affiliate card information (or affiliate card number) registered through the card issuing affiliated institution at the card issuing institution. At least one real card information (or real card number) to be included is preferably included, and the card issuing affiliated information to lease the real card number is preferably made to further include.

Here, the seal card information (or seal card number) is made up of all 16-digit card numbers, or a nine-digit serial number of the 16-digit card number (for example, the first four digits corresponding to the card issuer number, The next two digits corresponding to the card type number, and the remaining 9 digits of the serial number except the last one corresponding to the check digit). In addition to the 16-digit card number, it may include real card information (or real card number) following a different 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 thereto.

Referring to FIG. 11, the card company server 1150 of the card issuing organization connected to the affiliate server 1100 through a predetermined communication means corresponds to the affiliate card from the affiliate server 1100 through the communication means. An information transmitting / receiving unit 1155 (or information receiving means) for receiving customer information, affiliate card information (or affiliate card number), card attribute information, the received customer information, and affiliate card information (or affiliate card number). And storing, in the card information D / B 1955, the affiliated card operation information, which is obtained by further integrating the card issuing affiliated agency information with the affiliated card issuing information including at least one card attribute information. And a part 1175 (or information storage means).

Referring to FIG. 11, the card company server 1150 of the card issuing organization may store predetermined seal card information (or seal) to be associated with the affiliate card information (or affiliate card number) from the seal card number D / B 1190. The card information (or card number) extracting unit 1160 (or card information extracting means or card number extracting means) for extracting the card number and the extracted real card information (or real card number) from the associated card information. Or an information storage unit 1175 (or information storage means) for storing the predetermined card information D / B 1195 in association with the associated card number. ) Is characterized in that to transmit the real card information (or real card number) associated with the affiliate card information (or affiliate card number) to the affiliate server 1100 through the communication means.

According to the exemplary embodiment of the present invention, the information storage unit 1140 processes the seal card information (or seal card number) in association with the association card information (or association card number) to provide predetermined card information D / B 1195. ) Is stored in the card information D / B 195 including at least one of the customer information, the affiliate card information (or the affiliate card number), the card attribute information, and the card issuing affiliated agency information. Preferably, the association card management information is further included and stored in association with the seal card information (or seal card number).

Further, when a predetermined seal card number is extracted from the seal card number D / B 1190, the card company server 1150 may determine a predetermined card verification value (or verification code) corresponding to the extracted seal card number ( For example, a verification information generation unit 1165 (or a CVV (Card Verification Value) of a Visa card, a Card Validation Code (CVC) of a master card, a Confidential Identifier Number or Card Identification Number (CID) of an American Express card, etc.) (or the like). And verification information generating means. If the verification value (or verification code) is included in the extracted real card number, the verification information generating unit 1165 corresponds to the real card number. The function of generating a predetermined card verification value (or verification code) may be omitted.

If the person skilled in the art to which the present invention belongs, the verification information generation unit 1165 is the CVV (Card Verification Value) of the Visa card, CVC (Card Validation Code) of the master card, CID of the American Express card It will be familiar with the technical features for generating a card verification value (or verification code) including at least one (Confidential Identifier Number or Card Identification Number), a detailed description thereof will be omitted for convenience.

The card company server 1150 may generate card information generating unit 1170 to generate real card information including the real card number when a predetermined real card number is extracted from the real card number D / B 1190. Characterized in that it further comprises, wherein the information storage unit 1140 is characterized in that to further store the seal card information (or seal card number) in association with the stored card information associated with the partnership, the information The transceiving unit 1125 is configured to transmit real card information (or real card number) associated with the affiliate card information (or affiliate card number) (or further associate with the affiliate card operation information) through the communication means. Characterized in that the transmission to the server (1100).

Here, the seal card information includes at least one seal card number, a card verification value (or verification code), the card expiration date (some may be omitted), card issuing agency information, and card issuing organization information (or code). It is preferable to make it.

According to an embodiment of the present invention, the information storage unit 1175 processes real card information (or real card number) in association with the affiliate card information (or alliance card number) to provide predetermined card information D / B 1195. By storing in (or at the same time as storing), the affiliate card issued by the affiliate server 1100 including the affiliate card information is preferably used for registration processing.

Thereafter, the at least one affiliate card operation information including at least one of the customer information, the actual card information, the affiliate card information, the card attribute information, and the affiliated organization information stored in the card information D / B 1119 is at least one of the card issuing institutions. It is used to provide various payment and settlement services or various additional services through an affiliate card provided with the affiliate card information (or affiliate card number) through the seal card information (or seal card number).

According to one embodiment of the invention, the card information D / B (1195) is preferably provided in a DBMS on a predetermined financial system provided in the card issuing institution (or associated with the card issuing institution), In this case, the card information D / B 195 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 embodiment of the present invention, the card information D / B (1195) is an online payment system, and / or WAP-based wireless payment system, and / or IC chip that is provided (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 1955 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.

According to the exemplary embodiment of the present invention, the card company server 1150 stores and associates the affiliate card information (or affiliate card number) and real card information (or seal card number) in the card information D / B 1195. Thereafter, a card applet (or IC chip storage information) including the real card information (or real card number) may be generated and provided to the customer wireless terminal to be updated and recorded on the wireless IC chip. A card applet (or IC chip storage information) including the real card information (or real card number) is recorded on a wireless IC chip provided in the customer wireless terminal and the affiliate card information (or The affiliate card previously issued to the customer, including the affiliate card number, is deactivated, and the card applet (or IC chip low) issued later to the customer, including the seal card information (or seal card number) Is affiliated card corresponding to the information) to be registered as a new preferred.

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

In more detail, in FIG. 12, in the card registration system shown in FIG. 11, 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). When the affiliated employee submits (or selects) card registration application information corresponding to the card registration application through a predetermined card registration terminal and transmits it to the affiliated server 1100, the affiliated server ( 1100) illustrates a process of first issuing an affiliate card in the form of a card applet (or IC chip storage information) including a predetermined affiliate card number to the customer based on the card registration application information. Or (at least one seal card information (or seal card number) at the card issuer through the process shown in 14). The affiliated card information via card number chamber D / B (1190) having a system for (or affiliated card number) is registered in association a certain room card information (card number or chamber).

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 shipped) to the customer, and then the affiliate card issuance information is stored in the storage medium 1185. The process of storing the predetermined affiliate card issuance information in the storage medium 1185 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 shown in FIG. 11 is referred to as a "terminal" for convenience, and the affiliate server 1100 is referred to as a "server" for convenience.

Referring to FIG. 12, in order to issue the affiliated card for issuing an affiliated card using the affiliated card number, the customer is determined through a face-to-face card registration interface (eg, the card registration application, employee terminal, and network means). When a card registration application (e.g., a document having a form for filling in at least one information item for issuing an affiliate card using the affiliate card number) is prepared 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 (1200), and the card registration application information is transmitted to the server through the network means (1205). .

According to an embodiment of the present invention, the card registration application information includes customer information of the card registration customer, customer wireless terminal information provided with the wireless IC chip, and various card attribute information for setting card attributes for the affiliated card. And at least one of the customer wireless terminal information (or membership card number) included in the card number to be assigned to the affiliated card, and is intended by those skilled in the art (or a wireless terminal corresponding to the card issuing affiliated organization). Characteristics), the customer wireless terminal information with the wireless IC chip and the customer wireless terminal information included in the card number to be assigned to the affiliated card may be the same or different.

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 1100. It is preferable to include at least one member information (eg, member ID information).

In addition, the customer wireless terminal information is unique information of the customer wireless terminal equipped with a wireless IC chip capable of recording a card applet (or IC chip storage information) (for example, wireless terminal telephone number, address information, or identification information, Or at least one of ID information, etc.), and a card applet corresponding to the affiliate card by a wireless terminal corresponding to the customer wireless terminal information for issuing a predetermined affiliate card through the card number rental. Or IC chip storage 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 firing. 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.

In addition, the customer wireless terminal information (or membership card number) included in the card number to be assigned to the alliance card is characterized in that it comprises information to be included in the predetermined card number to be assigned to the alliance card issued to the customer, When the customer information and the customer wireless terminal information are stored in association with a predetermined customer information D / B 1180 provided to (or linked to) the card issuing affiliated institution, the card registration request information is stored in the wireless information of the customer. Or the terminal information, and if the customer information and the membership card number are stored in association with a predetermined customer information D / B 1180 provided (or associated with) the card issuing affiliated institution, the card is transmitted. It is desirable to include the wireless terminal information of the customer in the registration application information to be transmitted.

According to an embodiment of the present invention, the card issuing affiliate institution includes at least one or more mobile carriers and various wireless carriers affiliated with the card issuing agency, or the card issuing affiliate institution is connected to the customer wireless terminal in the member registration process. At least one of a wireless terminal telephone number (e.g., a mobile communication telephone number), a wireless terminal unique number (e.g., an Electronic Serial Number (ESN)), or a wireless terminal address (e.g., an IP address or a MIP address) When receiving the wireless terminal information including the information stored in the predetermined customer information D / B (1180) in association with the customer information, the affiliate server 1100 includes the wireless terminal information of the customer in the card registration application information It is preferable to transmit the data, and the mobile terminal telephone number (eg, mobile communication telephone number) included in the customer wireless terminal information, or wireless terminal Wireless terminal information including at least one of a serial number (for example, an electronic serial number (ESN)) or a wireless terminal address (for example, an IP address or a MIP address, etc.) may be obtained through a card registration system shown in FIG. It is preferably included in the affiliate card number to be issued to the customer.

According to another embodiment of the present invention, the card issuing affiliate institution issues a predetermined membership card to the customer, and the customer information and the predetermined customer information D / B 1180 provided at the card issuing affiliate institution. If the membership card number is stored in association, the affiliate server 1100 preferably transmits the membership card number previously issued to the customer in the card registration application information, and the membership card number is shown in FIG. It is preferably included in the affiliate card number to be issued to the customer through the card registration system shown in.

According to another exemplary embodiment of the present invention, a predetermined customer unique number assigned to the customer by the card issuing affiliate institution is linked to the customer information in the customer information D / B 1180 provided at the card issuing affiliate institution. If processed and stored, the customer unique number may be further included in the card registration application information instead of the customer wireless terminal information (or membership card number), and the present invention is not limited thereto.

Thereafter, the server receives and reads the card registration request information from the terminal through the network means, and issues the affiliate card using the affiliate 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 (1210).

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.

When the customer wireless terminal information is included in the card registration request information according to an embodiment of the present invention, and the customer information and the predetermined customer wireless terminal information are stored in the customer information D / B 1180 in association with each other, Validation of the issuance of the alliance card to the customer may include comparing the customer wireless terminal information included in the card registration application information with the customer wireless terminal information stored in the customer information D / B 1180. Preferably, the wireless terminal information includes checking whether the wireless terminal information includes the wireless terminal information actually used by the customer.

According to another embodiment of the present invention, if the membership card number is included in the card registration application information, and the customer information and a predetermined membership card number are stored in association with the customer information D / B 1180, the Validation of the issuance of the affiliate card to the customer, the membership card number is compared to the membership card number stored in the card registration application information and the membership card number stored in the customer information D / B (1180) It is preferable that the card issuing affiliated organization includes checking whether the membership card number previously issued to the customer is included.

If the validity to issue the affiliate card to the customer is not authenticated through the card registration application information (1215), the server provides card registration error information to the customer through the card registration interface (1220). Stop issuing the affiliate card to the customer.

On the other hand, if the validity for issuing the affiliate card to the customer through the card registration application information is authenticated (1215), the server is connected to the customer wireless terminal information (or membership card number) included in the card registration application information. All (or part) of the provided number is assigned to the affiliate card number for the registered affiliate card (1225).

According to an embodiment of the present invention, a wireless terminal telephone number (for example, a mobile communication telephone number), or a wireless terminal unique number (for example, an ESN (Electronic Serial Number)) in the received (or validated) card registration application information. Number)), or wireless terminal information including at least one of a wireless terminal address (for example, an IP address or a MIP address, etc.), the server may include some (or all of) numbers included in the customer wireless terminal information. ) Is assigned to the card number of the registered affiliate card.

If the customer wireless terminal information included in the card registration application information includes the wireless terminal telephone number (eg, a mobile telephone number) according to the above-described method, the server converts the wireless terminal telephone number into an affiliate card number as it is. It is desirable to assign.

For example, when the wireless terminal telephone number (for example, mobile communication telephone number) is composed of "010-1234-9876", the server may assign "01012349876" as the card number of the registered affiliate card as it is. According to the intention of the person skilled in the art, a predetermined identification number may be further included in front of the radio terminal telephone number, or a predetermined check digit may be further included in the rear end of the radio terminal telephone number.

Alternatively, when the customer wireless terminal information included in the card registration request information includes the wireless terminal telephone number (eg, a mobile communication telephone number), the server allocates a part of the wireless terminal telephone number as an affiliate card number. It is preferable.

For example, when the wireless terminal telephone number (e.g., mobile communication telephone number) is "010-1234-9876", the server selects one of the first three digits of the telephone number corresponding to the mobile communication identification number (e.g., If the mobile identification number is "011", "1", "016" "6", "017" "7", "018" "8", "019" "9", "010" &Quot; 0 " and the like, and select a total of 9 digits by adjusting the remaining number to 8 digits, and use a 16 digit card number (e.g., 4 digit card company number, A 2-digit card type number, a 9-digit serial number (or a unique number), and a 1-digit check digit can be generated and assigned to the affiliated card number.

Those skilled in the art to which the present invention belongs, the customer wireless terminal information is the wireless terminal unique number (e.g. ESN (Electronic Serial Number)), or wireless terminal address (e.g. IP address, or MIP address) Etc.), it is possible to infer various implementation methods for allocating a part or all of the numbers included in the wireless terminal information to the card number of the registered affiliated card. It is characterized by including all the implementation method, in the Figure 11 will be omitted for illustration for convenience.

According to another exemplary embodiment of the present invention, when the received (or validated) card registration application information includes a membership card number previously issued to the customer by the card issuing affiliate institution, the server is a customer. A part (or all) of the numbers included in the wireless terminal information may be assigned as the card number of the registered affiliated card.

When the card registration application information includes a membership card number that follows a predetermined card number system according to the embodiment, the server preferably allocates the wireless terminal telephone number as an affiliate card number as it is. The card information generating unit 1135 generates affiliate card information including the affiliate card number, or the card issuing unit 1145 creates an affiliate card including the affiliate card information and provides it to the customer (or delivers it). ), And the membership card can be used as the affiliate card as it is.

Alternatively, if a membership card number conforming to a predetermined card number system is included, the server preferably allocates a part of the radio terminal telephone number as a card number for the registered affiliate card.

For example, if the card registration application information includes a membership card number that follows a predetermined card number system, the server extracts a number that is not duplicated on the card number system, and the extracted number is unique to the affiliate card. It is preferable to assign a card number to be used as a number (or serial number).

If one of ordinary skill in the art to which the present invention belongs, it extracts the non-overlapping number corresponding to each membership card number system, and the extracted number as a unique number (or serial number) for the affiliate card Since various implementation methods may be inferred, a detailed description thereof will be omitted for convenience.

Thereafter, the server generates predetermined affiliate card information including the affiliate card number (1230).

According to an embodiment of the present invention, the affiliated card information includes the affiliated card number, the card verification value (or verification code), the card expiration date (some may be omitted), the card issuing affiliated agency information and the card issuing agency information (or code It is preferable to comprise at least one).

Thereafter, the server generates a predetermined card applet (or IC chip storage information) including the generated (or extracted) affiliate card information (1235), and generates the generated card applet (or IC chip storage information). In operation 1240, the card is transmitted to the customer wireless terminal through a wireless communication network corresponding to the customer wireless terminal information included in the card registration application information.

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

According to an embodiment of the present invention, the server reads the customer wireless terminal information included in the card registration request information to identify a wireless communication network corresponding to the customer wireless terminal information, and a predetermined applet providing server connected to the wireless communication network. It is preferable to transmit the generated card applet (or IC chip storage information) to the customer wireless terminal through 1199.

Those skilled in the art to which the present invention belongs, various methods of transmitting the card applet (or IC chip storage information) from the applet providing server (1199) to the customer wireless terminal (for example, wireless messages and The card applet (or IC chip storage information) transmission using the callback URL) may be inferred, but the present invention is characterized by including all implementation methods inferred.

Thereafter, the customer wireless terminal records the received card applet (or IC chip storage information) on a wireless IC chip provided in the corresponding wireless terminal, thereby issuing an affiliate card corresponding to the card applet (or IC chip storage information). (1245).

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 1185 (1250).

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 1100 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 firing 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 about a charge amount charged in the affiliated 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.

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

In more detail, FIG. 13 shows a non-face-to-face card registration interface (eg, client terminal and network means including at least one of a wired terminal and / or a wireless terminal) in which a predetermined customer in the card registration system shown in FIG. When the affiliated server 1100 is connected to the affiliated server 1100 to input (or select) predetermined card registration application information and transmits it, the affiliated server 1100 assigns a predetermined affiliated card number to the customer based on the card registration application information. A process of first issuing an affiliate card in the form of a card applet (or IC chip storage information) including the following, and at least one actual card information in the card issuing organization through the process shown in FIG. 14 and / or (14). The affiliated card information (or associated card number) through a real card number D / B 1190 having a (or a real card number) in a batch lease method Register in association with predetermined seal card information (or seal card number).

Those of ordinary skill 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 13. However, the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

For example, FIG. 13 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 1185. The process of storing the predetermined affiliate card issuance information in the storage medium 1185 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. 13, the card registration terminal shown in FIG. 11 is referred to as a "terminal" for convenience, and the affiliate server 1100 is referred to as a "server" for convenience.

Referring to FIG. 13, 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 using the affiliate card number through the communication channel. The application is issued (1300), 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 (1305).

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 (1310).

According to an embodiment of the present invention, the card registration application information includes customer information of the card registration customer, customer wireless terminal information provided with the wireless IC chip, and various card attribute information for setting card attributes for the affiliated card. And at least one of the customer wireless terminal information (or membership card number) included in the card number to be assigned to the affiliated card, and is intended by those skilled in the art (or a wireless terminal corresponding to the card issuing affiliated organization). Characteristics), the customer wireless terminal information with the wireless IC chip and the customer wireless terminal information included in the card number to be assigned to the affiliated card may be the same or different.

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 1100. It is preferable to include at least one member information (eg, member ID information).

In addition, the customer wireless terminal information is unique information of the customer wireless terminal equipped with a wireless IC chip capable of recording a card applet (or IC chip storage information) (for example, wireless terminal telephone number, address information or identification information, Or at least one of ID information, etc.), and a card applet corresponding to the affiliate card by a wireless terminal corresponding to the customer wireless terminal information for issuing a predetermined affiliate card through the card number rental. Or IC chip storage 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 firing. 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.

In addition, the customer wireless terminal information (or membership card number) included in the card number to be assigned to the alliance card is characterized in that it comprises information to be included in the predetermined card number to be assigned to the alliance card issued to the customer, When the customer information and the customer wireless terminal information are stored in association with a predetermined customer information D / B 1180 provided to (or linked to) the card issuing affiliated institution, the card registration request information is stored in the wireless information of the customer. Or the terminal information, and if the customer information and the membership card number are stored in association with a predetermined customer information D / B 1180 provided (or associated with) the card issuing affiliated institution, the card is transmitted. Preferably, the registration request information includes the wireless terminal information of the customer.

According to an embodiment of the present invention, the card issuing affiliate institution includes at least one or more mobile carriers and various wireless carriers affiliated with the card issuing agency, or the card issuing affiliate institution is connected to the customer wireless terminal in the member registration process. At least one of a wireless terminal telephone number (e.g., a mobile communication telephone number), a wireless terminal unique number (e.g., an Electronic Serial Number (ESN)), or a wireless terminal address (e.g., an IP address or a MIP address) When receiving the wireless terminal information including the information stored in the predetermined customer information D / B (1180) in association with the customer information, the affiliate server 1100 includes the wireless terminal information of the customer in the card registration application information It is preferable to transmit the data, and the mobile terminal telephone number (eg, mobile communication telephone number) included in the customer wireless terminal information, or wireless terminal Wireless terminal information including at least one of a serial number (for example, an electronic serial number (ESN)) or a wireless terminal address (for example, an IP address or a MIP address, etc.) may be obtained through a card registration system shown in FIG. It is preferably included in the affiliate card number to be issued to the customer.

According to another embodiment of the present invention, the card issuing affiliate institution issues a predetermined membership card to the customer, and the customer information and the predetermined customer information D / B 1180 provided at the card issuing affiliate institution. When the membership card number is stored in association, the affiliate server 1100 preferably transmits the membership card number previously issued to the customer in the card registration application information, and the membership card number is shown in FIG. It is preferably included in the affiliate card number to be issued to the customer through the card registration system shown in.

According to another exemplary embodiment of the present invention, a predetermined customer unique number assigned to the customer by the card issuing affiliate institution is linked to the customer information in the customer information D / B 1180 provided at the card issuing affiliate institution. If processed and stored, the customer unique number may be further included in the card registration application information instead of the customer wireless terminal information (or membership card number), and the present invention is not limited thereto.

Thereafter, the server receives and reads the card registration request information from the terminal through the network means, and issues the affiliate card using the affiliate 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 (1315).

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.

When the customer wireless terminal information is included in the card registration request information according to an embodiment of the present invention, and the customer information and the predetermined customer wireless terminal information are stored in the customer information D / B 1180 in association with each other, Validation of the issuance of the alliance card to the customer may include comparing the customer wireless terminal information included in the card registration application information with the customer wireless terminal information stored in the customer information D / B 1180. Preferably, the wireless terminal information includes checking whether the wireless terminal information includes the wireless terminal information actually used by the customer.

According to another embodiment of the present invention, if the membership card number is included in the card registration application information, and the customer information and a predetermined membership card number are stored in association with the customer information D / B 1180, the Validation of the issuance of the alliance card to a customer may include comparing the membership card number included in the card registration application information with the membership card number stored in the customer information D / B 1180 to determine the membership card number. It is preferable that the card issuing affiliated organization includes checking whether the membership card number previously issued to the customer is included.

If the validity to issue the affiliate card to the customer is not authenticated through the card registration application information (1320), the server provides card registration error information to the customer through the card registration interface (1325). 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 (1320), the server is connected to the customer wireless terminal information (or membership card number) included in the card registration application information. All (or part) of the provided number is assigned to the affiliate card number for the registered affiliate card (1330).

According to an embodiment of the present invention, a wireless terminal telephone number (for example, a mobile communication telephone number), or a wireless terminal unique number (for example, an ESN (Electronic Serial Number)) in the received (or validated) card registration application information. Number)), or wireless terminal information including at least one of a wireless terminal address (for example, an IP address or a MIP address, etc.), the server may include some (or all of) numbers included in the customer wireless terminal information. ) Is assigned to the card number of the registered affiliated card.

If the customer wireless terminal information included in the card registration application information includes the wireless terminal telephone number (eg, a mobile telephone number) according to the above-described method, the server converts the wireless terminal telephone number into an affiliate card number as it is. It is desirable to assign.

For example, when the wireless terminal telephone number (for example, mobile communication telephone number) is composed of "010-1234-9876", the server may assign "01012349876" as the card number of the registered affiliate card as it is. According to the intention of the person skilled in the art, a predetermined identification number may be further included in front of the radio terminal telephone number, or a predetermined check digit may be further included in the rear end of the radio terminal telephone number.

Alternatively, when the customer wireless terminal information included in the card registration request information includes the wireless terminal telephone number (eg, a mobile communication telephone number), the server allocates a part of the wireless terminal telephone number as an affiliate card number. It is preferable.

For example, when the wireless terminal telephone number (e.g., mobile communication telephone number) is "010-1234-9876", the server selects one of the first three digits of the telephone number corresponding to the mobile communication identification number (e.g., If the mobile identification number is "011", "1", "016" "6", "017" "7", "018" "8", "019" "9", "010" &Quot; 0 " and the like, and select a total of 9 digits by adjusting the remaining number to 8 digits, and use a 16 digit card number (e.g., 4 digit card company number, A 2-digit card type number, a 9-digit serial number (or a unique number), and a 1-digit check digit can be generated and assigned to the affiliated card number.

Those skilled in the art to which the present invention belongs, the customer wireless terminal information is the wireless terminal unique number (for example, ESN (Electronic Serial Number)), or wireless terminal address (for example, IP address, or MIP Address, etc.), various implementation methods of allocating a part or all of the number included in the wireless terminal information to the card number of the registered affiliated card may be inferred. It is characterized in that it includes all the implementation methods, and for the sake of convenience this example is omitted.

According to another exemplary embodiment of the present invention, when the received (or validated) card registration application information includes a membership card number previously issued to the customer by the card issuing affiliate institution, the server is a customer. A part (or all) of the numbers included in the wireless terminal information may be assigned as the card number of the registered affiliated card.

When the card registration application information includes a membership card number that follows a predetermined card number system according to the embodiment, the server preferably allocates the wireless terminal telephone number as an affiliate card number as it is. The card information generating unit 135 generates affiliate card information including the affiliate card number, or the card issuing unit 1145 generates an affiliate card including the affiliate card information and provides it to the customer (or delivers it). ), And the membership card can be used as the affiliate card as it is.

Alternatively, if a membership card number conforming to a predetermined card number system is included, the server preferably allocates a part of the radio terminal telephone number as a card number for the registered affiliate card.

For example, if the card registration application information includes a membership card number that follows a predetermined card number system, the server extracts a number that is not duplicated on the card number system, and the extracted number is unique to the affiliate card. It is preferable to assign a card number to be used as a number (or serial number).

If one of ordinary skill in the art to which the present invention belongs, it extracts the non-overlapping number corresponding to each membership card number system, and the extracted number as a unique number (or serial number) for the affiliate card Since various implementation methods may be inferred, a detailed description thereof will be omitted for convenience.

Thereafter, the server generates predetermined affiliate card information including the affiliate card number (1335).

According to an embodiment of the present invention, the affiliated card information includes the affiliated card number and the card verification value (or verification code), the card expiration date (some may be omitted), card issuing agency information and card issuing agency information (or At least one cord).

Thereafter, the server generates a predetermined card applet (or IC chip storage information) including the generated (or extracted) affiliate card information (1340), and generates the generated card applet (or IC chip storage information). In operation 1345, the wireless communication network corresponding to the customer wireless terminal information included in the card registration application information is transmitted to the customer wireless terminal.

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

According to an embodiment of the present invention, the server reads the customer wireless terminal information included in the card registration request information to identify a wireless communication network corresponding to the customer wireless terminal information, and a predetermined applet providing server connected to the wireless communication network. It is preferable to transmit the generated card applet (or IC chip storage information) to the customer wireless terminal through 1199.

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 (1199) to the customer wireless terminal (for example, wireless message) And the card applet (or IC chip storage information) transmission using a callback URL) can be inferred, but the present invention is characterized by including all the inferred implementation method.

Thereafter, the customer wireless terminal records the received card applet (or IC chip storage information) on a wireless IC chip provided in the corresponding wireless terminal, thereby issuing an affiliate card corresponding to the card applet (or IC chip storage information). (1350).

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 1185 (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 1100 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 firing 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 about a charge amount charged in the affiliated 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.

14 is a diagram illustrating a real card information (or real card number) registration process for issuing an affiliate card using customer wireless terminal information (or membership card number) according to an embodiment of the present invention.

More specifically, FIG. 14 shows predetermined affiliate card information including all (or part) of the customer wireless terminal information (or membership card number) through the card registration process shown in FIGS. 12 and / or 13. Or an affiliate card including an affiliate card number) is issued, and the affiliate server 1100 provides the affiliate card issuance information to the card company server 1150 provided at the card issuer, and the card company server 1150. The association card information (or affiliate card number) and predetermined seal card information (or seal card number) based on the association card issuing information are stored in a predetermined card information D / B 1955 by Regarding a process of registering to use an affiliate card, specifically, at least one or more rooms rented to the card issuing affiliated institution in the room card number D / B 1190. If a card number is provided, extract a predetermined seal card number to be associated with the association card information (or association card number) from the seal card number D / B 1190, and include the extracted seal card number. The present invention relates to a method of generating real card information and registering the associated card information (or affiliate card number) in association with the registered card.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 14 to seal card information (or seal card) for issuing an affiliate card using the customer wireless terminal information (or membership card number). No.) Various implementation methods for the registration process may be inferred, but the present invention includes all the implementation methods inferred above, and the technical features are not limited to the implementation method shown in FIG.

Referring to FIG. 14, through the process shown in FIG. 12 and / or FIG. 13, the affiliate server 1100 provided in the card issuing affiliate institution may store the entire (or membership card number) of the customer wireless terminal information (or membership card number). An affiliated card including predetermined affiliated card information (or affiliated card number), which is made up of a portion thereof, After storing the at least one affiliate card issuance information including at least one in a predetermined storage medium 1185, the customer information corresponding to the affiliate card and the affiliate card information (or The affiliate card issuance information including at least one affiliate card number) and at least one card attribute information (1400), and the card company server 1150 transmits the affiliate card issue information. In operation 1405, the affiliated card operation information further including the card issuing affiliated organization information is stored in the predetermined card information D / B 1195.

Thereafter, the card company server 1150 is included in the affiliate card issuance information from the seal card number D / B 1190 from a predetermined seal card number D / B 1190 (or included in the affiliate card management information). A predetermined real card number to be associated with the affiliate card information (or affiliate card number) is extracted (1410).

If a predetermined seal card number to be associated with the affiliate card information (or affiliate card number) is extracted (1415), the card company server 1150 determines a predetermined card verification value (or verification code) corresponding to the seal card number. Generate (1420).

Here, the card verification value (or verification code) is a CVV (Card Verification Value) of a Visa card, a Card Validation Code (CVC) of a master card, a CID (Confidential Identifier Number or Card) of an American Express card according to the actual card number system. It is preferable to include any one of Identification Number, and if the person having ordinary skill in the art to which the present invention belongs, the card company server 1150 is the master card CVV (Card Verification Value), master of the visa card You will be familiar with the technical features of generating a card validation value (or validation code) that includes at least one of a Card Validation Code (CVC) on a card and a Confidential Identifier Number or Card Identification Number (CID) on an American Express card. Detailed description thereof will be omitted for convenience.

Thereafter, the card company server 1150 generates predetermined seal card information including the seal card number and a card verification value (or verification code) (1425).

Here, the seal card information includes at least one seal card number, a card verification value (or verification code), the card expiration date (some may be omitted), card issuing agency information, and card issuing organization information (or code). It is preferable to make it.

Thereafter, the card company server 1150 associates the affiliate card information (or affiliate card number) with the seal card information (or seal card number) and stores the association card information (or seal card number) in a predetermined card information D / B 1195. Process usage registration for the card (1430).

According to the exemplary embodiment of the present invention, the card company server 1150 associates the affiliate card information (or affiliate card number) with the seal card information (or seal card number) to perform predetermined card information D / B 1195. Storing in the card information D / B 1955 preferably includes further linking and storing the real card information (or real card number) in the associated card operation information stored in the card information D / B 1995.

According to one embodiment of the invention, the card information D / B (1195) is preferably provided in a DBMS on a predetermined financial system provided to the card issuer (or associated with the card issuer), When the card information D / B (1195) may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, thereby the present invention is not limited No.

According to another embodiment of the present invention, the card information D / B (1195) is an online payment system, and / or WAP-based wireless payment system, and / or IC chip that is provided (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 1955 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.

Thereafter, the card company server 1150 communicates the real card information (or real card number) associated with the affiliate card information (or affiliate card number) (or further associated with the affiliate card operation information). The affiliate server 1100 is transmitted to the affiliate server 1100 through 1435. The affiliate server 1100 further includes the seal card information (or seal card number) in the affiliate card issuance information. (1440).

According to the exemplary embodiment of the present invention, the card company server 1150 stores and associates the affiliate card information (or affiliate card number) and real card information (or seal card number) in the card information D / B 1195. Thereafter, a card applet (or IC chip storage information) including the real card information (or real card number) may be generated and provided to the customer wireless terminal to be updated and recorded on the wireless IC chip. A card applet (or IC chip storage information) including real card information (or real card number) is recorded on a wireless IC chip provided in the customer wireless terminal and at the same time, the affiliate server information (or alliance) on the affiliate server 1100. The affiliate card previously issued to the customer, including the card number, is deactivated, and the card applet (or IC chip store) issued later to the customer, including the seal card information (or seal card number) Is affiliated card corresponding to the information) to be registered as a new preferred.

15 is a diagram illustrating a real card information (or real card number) registration process for issuing an affiliate card using customer wireless terminal information (or membership card number) according to another embodiment of the present invention.

More specifically, FIG. 15 shows predetermined affiliated card information including all (or part) of the customer wireless terminal information (or membership card number) through the card registration process shown in FIGS. 12 and / or 13. Or an affiliate card including an affiliate card number) is issued, and the affiliate server 1100 provides the affiliate card issuance information to the card company server 1150 provided at the card issuer, and the card company server 1150. The association card information (or affiliate card number) and predetermined seal card information (or seal card number) based on the association card issuing information are stored in a predetermined card information D / B 1955 by Regarding the process of registering to use an affiliated card, at least one or more rented to the card issuing affiliated institution in the actual card number D / B 1190. If the card information is provided, extract the predetermined seal card information to be cooperatively processed with the affiliate card information (or affiliate card number) from the seal card number D / B 1190 and the association card information (or affiliate card number). It is about the implementation method to register in conjunction with the processing.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 15 to seal card information (or seal card) for issuing an affiliate card using the customer wireless terminal information (or membership card number). No.) Various implementation methods for the registration process may be inferred, but the present invention includes all the implementation methods inferred above, and the technical features are not limited to the implementation method shown in FIG.

Referring to FIG. 15, through the process shown in FIG. 12 and / or FIG. 13, the affiliate server 1100 provided in the card issuing affiliate institution may store the entire (or membership card number) of the customer wireless terminal information (or membership card number). An affiliated card including predetermined affiliated card information (or affiliated card number), which is made up of a portion thereof, After storing the at least one affiliate card issuance information including at least one in a predetermined storage medium 1185, the customer information corresponding to the affiliate card and the affiliate card information (or The affiliate card issuance information including at least one affiliate card number) and at least one card attribute information (1500), and the card company server 1150 transmits the affiliate card issue information. And stored in a branded card management information further includes the card-issuing institution affiliated information to a predetermined card information D / B (1195) (1505).

Thereafter, the card company server 1150 is included in the affiliate card issuance information from the seal card number D / B 1190 from a predetermined seal card number D / B 1190 (or included in the affiliate card management information). In operation 1510, predetermined seal card information to be associated with the affiliate card information (or affiliate card number) is extracted.

The seal card information may include the seal card number and a card verification value (or verification code) (eg, a CVV (Card Verification Value) of a Visa card, a Card Validation Code (CVC) of a master card, and a CID (Confidential) of an American Express card. Identifier Number or Card Identification Number), etc.), the card expiration date (some may be omitted), card issuing partner information, and card issuing organization information (or code).

If predetermined seal card information to be associated with the affiliate card information (or affiliate card number) is extracted (1515), the card company server 1150 may determine the affiliate card information (or affiliate card number) and the seal card information (or The real card number) is cooperatively processed and stored in the predetermined card information D / B 1955, thereby processing the use registration for the affiliated card (1520).

According to the exemplary embodiment of the present invention, the card company server 1150 associates the affiliate card information (or affiliate card number) with the seal card information (or seal card number) to perform predetermined card information D / B 1195. Storing in the card information D / B 1955 preferably includes further linking and storing the real card information (or real card number) in the associated card operation information stored in the card information D / B 1995.

According to one embodiment of the invention, the card information D / B (1195) is preferably provided in a DBMS on a predetermined financial system provided to the card issuer (or associated with the card issuer), When the card information D / B (1195) may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, thereby the present invention is not limited No.

According to another embodiment of the present invention, the card information D / B (1195) is an online payment system, and / or WAP-based wireless payment system, and / or IC chip that is provided (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 1955 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.

Thereafter, the card company server 1150 communicates the real card information (or real card number) associated with the affiliate card information (or affiliate card number) (or further associated with the affiliate card operation information). The affiliate server 1100 is transmitted to the affiliate server 1100 through 1525. The affiliate server 1100 further includes the seal card information (or seal card number) in the affiliate card issuance information. (1530).

According to the exemplary embodiment of the present invention, the card company server 1150 stores and associates the affiliate card information (or affiliate card number) and real card information (or seal card number) in the card information D / B 1195. Thereafter, a card applet (or IC chip storage information) including the real card information (or real card number) may be generated and provided to the customer wireless terminal to be updated and recorded on the wireless IC chip. A card applet (or IC chip storage information) including real card information (or real card number) is recorded on a wireless IC chip provided in the customer wireless terminal and at the same time, the affiliate server information (or alliance) on the affiliate server 1100. The affiliate card previously issued to the customer, including the card number, is deactivated, and the card applet (or IC chip store) issued later to the customer, including the seal card information (or seal card number) Is affiliated card corresponding to the information) to be registered as a new preferred.

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) using an affiliate card number 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 using a predetermined affiliate card number is provided, the card issuing affiliated agency provides the wireless IC chip provided to the customer to the customer based on the provided card registration application information. After issuing an affiliate card in the form of a card applet (or IC chip storage information) including a predetermined affiliate card number, a predetermined seal associated with the affiliate card number is provided by the card issuing agency affiliated with the card issuing affiliate institution. A system configuration for registering a card number later, specifically, at least one seal to be associated with the affiliate card number. It shows a method of dynamically generating (or real time channeling) a card number in the card issuing institution.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 16 to infer various implementation methods for configuring a card registration system for issuing an affiliate card using the affiliate 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 IC chip storage) is a wireless IC chip provided in the customer wireless terminal 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. Information corresponding to at least one or more means and / or functional configuration for issuing an affiliated card in the form of a &quot; affiliate server 1600 &quot; for convenience, and the card issuing affiliated agency provided with the affiliated server 1600 can It is preferable to include at least one of a mobile communication company, various wireless communication companies, various wired communication companies, a portal service provider, etc., which are affiliated with a card issuer.

Referring to FIG. 16 according to an embodiment of the present invention, a card registration system for issuing an affiliate card using the affiliate card number is provided 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 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 affiliate server 1600 provided in the card issuing affiliated agency through a predetermined network means.

According to an exemplary embodiment of the present invention, the customer visits the card issuing institution to issue an affiliate card through the card number leasing and through the counter provided to the card issuing institution (or through an affiliated employee). Fill out a predetermined card registration application for issuing an affiliate card using a number (e.g., a document with a form for filling in at least one information item for issuing an affiliate card using the affiliate card number) and / or the affiliate employee Visit the customer to have the customer fill out a predetermined card registration application for issuing an affiliate card using the affiliate card number), and submit the completed card registration application to an affiliated employee. Enter the information filled in the card registration application through the employee's terminal (or ), And the staff terminal is preferably sent to the affiliate server 1600 provided in the card-issuing partners through the network means to the information, the input (or selected).

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 affiliate server 1600 may be provided between the employee terminal and the affiliate server 1600. 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 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 using the affiliate 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) 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.

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 embodiment of the present invention, when the card registration system supports a non-face-to-face card registration application, the card registration terminal, in addition to the employee terminal and / or client terminal, a predetermined financial network (eg, A financial automatic machine (not shown) including an automatic teller machine (ATM), a cash dispenser (CD) connected to a financial common network, and / or a predetermined public telephone network 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 wireless telephone network such as a mobile communication network or a wireless VoIP network. And a terminal (and / or standing) 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 card issuing organization. Burr (not shown) may be further included, whereby 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 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 to perform a function of a card registration interface for registering a card registration application information for the customer to issue an affiliate card through leasing the card number, and / or the card registration. When the terminal 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 1600 may be connected to the card. Perform a function of a card registration interface for registering card registration application information for issuing an affiliate card through number rental, and / or the card registration stage If the word 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) Network connecting the affiliate server 1600 performs a function of a card registration interface for registering the card registration application information for issuing the affiliate card through the card number rental.

The card issuing affiliate institution includes a customer information D / B 1680 for linking and processing the customer information and predetermined customer wireless terminal information, or is previously issued to the customer by the customer information and the card issuing affiliate institution. Customer information D / B (1680) having a customer information D / B (1680) for storing and cooperatively processing the membership card number of the customer information, or customer information D / B (1680) for storing the customer information and the customer wireless terminal information and membership card number in association And the customer information D / B 1680 is provided in a predetermined DB server provided in the card issuing affiliate institution according to the intention of the person skilled in the art (or the area of the card issuing affiliate institution). It is possible to be provided in a DBMS (or DB server) provided in an external organization that shares customer information with the card issuing affiliated institution.

Here, the customer wireless terminal information may be a wireless terminal telephone number (eg, a mobile communication phone number), or a wireless terminal unique number (eg, an ESN (Electronic Serial Number)), or a wireless terminal address (eg, an IP address, or a MIP). Address, etc.), and preferably, the membership card number comprises a card number system of a membership card issued to the customer by the card issuing affiliate institution.

The storage medium 1685 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, and then the customer information according to the issuance of the alliance card. And affiliated card information and card attribute information and affiliated card issuance information including at least one or more of the customer wireless terminal information (or membership card number), and issuing the affiliated card stored in the storage medium 1685. The information is used by the card issuing affiliate to provide the affiliate card related service through the lease of the card number.

According to another exemplary embodiment of the present invention, the storage medium 1685 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 1685 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 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 1600 is provided with an interface unit 1605 (or interface means) for providing a predetermined card registration interface to the card registration terminal through the network means. do.

According to an embodiment of the present invention, when the card registration terminal is an employee terminal connected to a predetermined financial network, the interface unit 1605 communicates with the employee terminal based on a protocol stack defined in the financial network. It is preferable to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in the card registration application program provided in the employee terminal.

According to another exemplary embodiment of the present invention, when the card registration terminal is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 1605 is based on the protocol stack defined in the wired communication network. It is preferable to provide a communication interface for connecting at least one communication channel with a 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 embodiment of the present invention, when the card registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 1605 is based on a protocol stack defined in the wireless communication network. It is preferable to connect a predetermined communication channel with the client terminal, and to provide a communication interface for transmitting and receiving at least one or more 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 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 connect the card registration terminal in cooperation with the interface unit 1605 when a predetermined card registration terminal is connected to the affiliate server 1600 through the interface unit 1605. An interface providing unit 1610 (or interface providing means) for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined card registration application information to the card registration terminal; An information receiving unit 1615 (or information receiving means) for receiving predetermined card registration application information transmitted (or selected) from the card registration terminal through the user interface in association with the interface unit 1605; Validation authentication unit 120 (or validation) to check the validity of issuing the affiliate card to the customer based on the registered card registration application information Affiliation card number assignment for allocating a part (or all) of the number including the surname authentication means and the customer wireless terminal information (or membership card number) included in the card registration application information to the card number of the registered affiliate card A unit 1630 (or an association card number assignment means), an association card information generation unit 1635 (or information generation means) for generating predetermined association card information including the association card number, and the association card information. The customer applet generating unit 1697 (or applet generating means) for generating a predetermined card applet (or IC chip storage information) including the card applet (or IC chip storage information) through the wireless communication network. A card issuing unit (1645) (or card issuing means) for issuing the alliance card by providing it to a terminal and recording it on a wireless IC chip provided in the customer wireless terminal; And an information storage unit 1640 (or information storage means) for storing the affiliated card issuance information corresponding to the Hugh card in the storage medium 1685.

In addition, the affiliate server 1600 after a predetermined partnership card is issued through the card issuing unit 1645, and then through a predetermined communication means (for example, a dedicated communication network, or a secure communication network based on encrypted communication). An information transmitting / receiving unit 125 which transmits customer information corresponding to the affiliated card, affiliated card information (or associated card number), and card attribute information to a card company server 1650 corresponding to the card issuing institution. It is characterized by.

In addition, the information transmitting and receiving unit 125 is characterized in that for receiving from the card company server 1650, the predetermined seal card information (or seal card information) processed in association with the affiliate card information (or affiliate card number), The information storage unit 1640 further includes the real card information (or real card number) in the affiliate card issuance information and stores the information in the storage medium 1685 (eg, customer information and affiliate card information (or affiliate card). Number), card attribute information, and real card information (or real card number) in association with each other).

The interface providing unit 1610, when a predetermined card registration terminal is connected to the affiliate server 1600 through the interface unit 1605, the card registration application information corresponding to the functional configuration provided in the card registration terminal; Generate a predetermined user interface which can be input (or selected) and transmitted to the affiliate server 1600 via the network means, and / or extract from a predetermined database (not shown), and with the interface unit 1605 And providing the generated (or extracted) user interface to the card registration terminal through the network means.

Thereafter, the card registration terminal 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 1600 through the network means. send.

When the card registration terminal is an employee terminal connected to a predetermined financial network according to an exemplary embodiment of the present invention, the interface providing unit 1610 may provide a predetermined user interface that can be provided by a card registration application program provided in the employee terminal. It is preferable to generate (or extract) and provide the generated (or extracted) user interface to the employee terminal through the interface unit 1605.

According to another exemplary embodiment of the present invention, when the card registration terminal is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface providing unit 1610 may include a browser program and / or provided in the client terminal. It is preferable to 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 1605.

According to another exemplary embodiment of the present invention, when the card registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 1610 may include a browser program provided to the client terminal and / or Alternatively, it is preferable to 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 1605.

When the information receiving unit 1615 inputs (or selects) predetermined card registration application information through the user interface from the card registration terminal and transmits the information through the network means, the card registration unit interlocks with the interface unit 1605 to register the card. Characterized in that it receives the application information, and provides the received card registration application information 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, customer wireless terminal information provided with the wireless IC chip, and various card attribute information for setting card attributes for the affiliated card. And at least one of the customer wireless terminal information (or membership card number) included in the card number to be assigned to the affiliated card, and is intended by those skilled in the art (or a wireless terminal corresponding to the card issuing affiliated organization). Characteristics), the customer wireless terminal information with the wireless IC chip and the customer wireless terminal information included in the card number to be assigned to the affiliated card may be the same or different.

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).

In addition, the customer wireless terminal information is unique information of the customer wireless terminal equipped with a wireless IC chip capable of recording a card applet (or IC chip storage information) (for example, wireless terminal telephone number, address information, or identification information, Or at least one of ID information, etc.), and a card applet corresponding to the affiliate card by a wireless terminal corresponding to the customer wireless terminal information for issuing a predetermined affiliate card through the card number rental. Or IC chip storage 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 firing. 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.

In addition, the customer wireless terminal information (or membership card number) included in the card number to be assigned to the alliance card is characterized in that it comprises information to be included in the predetermined card number to be assigned to the alliance card issued to the customer, When the customer information and the customer wireless terminal information are stored in association with a predetermined customer information D / B 1680 provided to (or linked to) the card issuing affiliated institution, the card registration request information is stored in the wireless information of the customer. Or the terminal information, and if the customer information and the membership card number are stored in association with a predetermined customer information D / B 1680 provided (or associated with) the card issuing affiliated institution, It is desirable to include the wireless terminal information of the customer in the registration application information to transmit.

According to an embodiment of the present invention, the card issuing affiliate institution includes at least one or more mobile carriers and various wireless carriers affiliated with the card issuing agency, or the card issuing affiliate institution is connected to the customer wireless terminal in the member registration process. At least one of a wireless terminal telephone number (e.g., a mobile communication telephone number), a wireless terminal unique number (e.g., an Electronic Serial Number (ESN)), or a wireless terminal address (e.g., an IP address or a MIP address) When receiving the wireless terminal information including the information stored in the predetermined customer information D / B (1680) in association with the customer information, the affiliate server 1600 includes the wireless terminal information of the customer in the card registration application information It is preferable to transmit the data, and the wireless terminal phone number (for example, mobile communication phone number) included in the customer wireless terminal information, or radio terminal high Wireless terminal information including at least one of a serial number (for example, an electronic serial number (ESN)) or a wireless terminal address (for example, an IP address or a MIP address) may be obtained through a card registration system shown in FIG. It is preferably included in the affiliate card number to be issued to the customer.

According to another embodiment of the present invention, the card issuing affiliate institution issues a predetermined membership card to the customer, and the customer information and the predetermined customer information D / B 1680 provided to the card issuing affiliate institution. When the membership card number is stored in association with the affiliate server 1600, the affiliate server 1600 preferably transmits the membership card number previously issued to the customer in the card registration application information, and the membership card number is shown in FIG. It is preferably included in the affiliate card number to be issued to the customer through the card registration system shown in.

According to another exemplary embodiment of the present invention, a predetermined customer unique number assigned to the customer by the card issuing affiliate institution is linked to the customer information in the customer information D / B 1680 provided at the card issuing affiliate institution. If processed and stored, the customer unique number may be further included in the card registration application information instead of the customer wireless terminal information (or membership card number), and the present invention is not limited thereto.

The validity authentication unit 120 checks the validity of issuing the alliance card to the customer based on the customer information and the customer wireless terminal 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.

When the customer wireless terminal information is included in the card registration request information according to an embodiment of the present invention, and the customer information and predetermined customer wireless terminal information are stored in the customer information D / B 1680 in association with each other, Validation of the issuance of the alliance card to the customer may include comparing the customer wireless terminal information included in the card registration application information with the customer wireless terminal information stored in the customer information D / B 1680. Preferably, the wireless terminal information includes checking whether the wireless terminal information includes the wireless terminal information actually used by the customer.

According to another embodiment of the present invention, if the membership card number is included in the card registration application information, and the customer information and the predetermined membership card number are stored in association with the customer information D / B 1680, the Validation of the issuance of the alliance card to a customer may include comparing the membership card number included in the card registration application information with the membership card number stored in the customer information D / B 1680 to determine the membership card number. It is preferable that the card issuing affiliated organization includes checking whether the membership card number previously issued to the customer is included.

A wireless terminal telephone number (for example, a mobile communication telephone number), or a wireless terminal unique number, in the card registration request information received through the information receiving unit 1615 (or validated through the validity authentication unit 120). (E.g., an electronic serial number (ESN)) or wireless terminal information including at least one or more of a wireless terminal address (for example, an IP address or a MIP address), etc., the affiliated card number assignment unit 1630 Is assigned to a part (or all) of the number included in the customer wireless terminal information as the card number of the registered affiliate card.

According to an exemplary embodiment of the present invention, when the customer wireless terminal information included in the card registration application information includes the wireless terminal telephone number (eg, a mobile communication telephone number), the affiliated card number assignment unit 1630 is provided. It is preferable to assign the radio terminal telephone number as an affiliate card number.

For example, when the wireless terminal telephone number (e.g., mobile communication telephone number) is "010-1234-9876", the affiliate card number assignment unit 1630 is the card of the affiliate card registered as the "01012349876" as it is. The number may be assigned, and according to the intention of the person skilled in the art, a predetermined identification number may be further included in front of the radio terminal telephone number, or a predetermined check digit may be further included in the rear end of the radio terminal telephone number.

Alternatively, when the customer wireless terminal information included in the card registration request information includes the wireless terminal telephone number (eg, a mobile communication telephone number), the alliance card number assignment unit 1630 is a part of the wireless terminal telephone number. Is preferably assigned to the affiliate card number.

For example, when the wireless terminal telephone number (for example, the mobile communication telephone number) is composed of "010-1234-9876", the alliance card number assignment unit 1630 corresponds to the first 3 corresponding to the mobile communication identification number among the telephone numbers. Select one of the digits (for example, if the mobile identification number is "011", "1", "016", "6", "017" "7", "018" "8", "019") &Quot; 0 ", etc. for " 9 ", " 010 ", 16-digit card number (e.g., &lt; RTI ID = 0.0 &gt;) &lt; / RTI &gt; 4 digit card company number, 2 digit card type number, 9 digit serial number (or unique number) and 1 digit check digit) can be generated and assigned to the affiliated card number.

Those skilled in the art to which the present invention belongs, the customer wireless terminal information is the wireless terminal unique number (for example, ESN (Electronic Serial Number)), or wireless terminal address (for example, IP address, or MIP Address, etc.), various implementation methods of allocating a part or all of the number included in the wireless terminal information to the card number of the registered affiliated card may be inferred. It is characterized in that it includes all the implementation method, this illustration is omitted for convenience in this figure 16.

The card registration application information received through the information receiving unit 1615 (or validated through the validity authentication unit 120) includes a membership card number previously issued to the customer by the card issuing affiliate institution. In this case, the alliance card number assignment unit 1630 may allocate a portion (or all) of the numbers included in the customer wireless terminal information to the card number of the registered alliance card.

According to an embodiment of the present invention, when the card registration application information includes a membership card number that follows a predetermined card number system, the affiliated card number assignment unit 1630 is used as the affiliated card number as the wireless terminal telephone number. Preferably, in this case, the affiliate card information generation unit 1635 generates affiliate card information including the affiliate card number, or the card issuer 1645 includes the affiliate card information. The function of producing and providing (or delivering) to the customer is omitted, and the membership card can be used as the affiliate card as it is.

Alternatively, when a membership card number conforming to a predetermined card number system is included, the affiliate card number assignment unit 1630 may assign a portion of the radio terminal telephone number as a card number for the registered affiliate card. .

For example, when the card registration application information includes a membership card number that follows a predetermined card number system, the affiliate card number assignment unit 1630 extracts a number that does not overlap on the card number system, and extracts the extracted number. It is preferable to assign a card number using a unique number (or serial number) for the association card.

If one of ordinary skill in the art to which the present invention belongs, it extracts the non-overlapping number corresponding to each membership card number system, and the extracted number as a unique number (or serial number) for the affiliate card Since various implementation methods may be inferred, a detailed description thereof will be omitted for convenience.

When the number including the customer wireless terminal information (or membership card number) is assigned to the card number of the affiliate card as described above, the affiliate card information generation unit 1635 provides predetermined affiliate card information including the affiliate card number. It characterized in that to generate.

According to an embodiment of the present invention, the affiliated card information includes the affiliated card number, the card verification value (or verification code), the card expiration date (some may be omitted), the card issuing affiliated agency information and the card issuing agency information (or code). It is preferable to comprise at least one).

When predetermined affiliate card information included in the affiliate card is generated by the affiliate card information generation unit 1635, the applet generation unit 1697 stores a predetermined card applet (or IC chip storage) including the affiliate card information. Information), wherein the card applet (or IC chip storage information) is recorded in a wireless IC chip provided in the customer wireless terminal and is a file structure operable on a chip operating system (COS) on the wireless IC chip. It is preferable to comprise a.

When the card applet (or IC chip storage information) is generated by the applet generating unit 1697, the card issuing unit 1645 sends the card to the customer wireless terminal through a wireless communication network corresponding to the customer wireless terminal information. By sending an applet (or IC chip storage information), the customer wireless terminal records the card applet (or IC chip storage information) on a wireless IC chip provided in the wireless terminal to issue the affiliate card to the customer. It is characterized by.

According to another embodiment of the present invention, when the card issuing affiliate institution is provided with at least one card applet (or IC chip storage information) including the affiliate card information, the affiliate card number assignment unit 1630 is provided with the card. Checking the card number (or card information) included in the predetermined card applet (or IC chip storage information) to be transmitted to the customer among the applets (or IC chip storage information) may replace the alliance card number assignment process. In this case, the affiliate card information generating unit 1635, the applet generating unit 1697, and the card issuing unit 1645 may be omitted, and the present invention is not limited thereto.

Thereafter, the information storage unit 1640 stores the customer information included in the card registration request information received from the customer through the information receiving unit 1615, the generated affiliate card information, card attribute information of the affiliate card, and the like. And storing the affiliate card issuance information including at least one of the customer wireless terminal information (or membership card number) in the storage medium 1685.

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 firing 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 about a charge amount charged in the affiliated 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.

A predetermined affiliate card number is assigned by the affiliate card number assignment unit 1630, or predetermined affiliate card information including the affiliate card number is generated by the affiliate card information generation unit 1635, or the card When the affiliate card including the affiliate card information is issued by the issuing unit 1645, the information transmitting and receiving unit 125 uses a predetermined communication means (for example, a dedicated communication network or a secure communication network based on encrypted communication). Through the card company server 1650 corresponding to the card issuing agency through the customer information corresponding to the affiliated card, the affiliated card information (or associated card number) and the card attribute information.

Alternatively, the information transmitting and receiving unit 125 is characterized in that to receive the actual card information (or actual card number) corresponding to the affiliated card from the card company server 1650 corresponding to the card issuing organization through the communication means, and In this case, the information storage unit 1640 further includes the seal card information (or seal card number) in the association card issuing information and stores the information in the storage medium 1685 (eg, customer information and affiliate card information (or Associate card number), card attribute information, and real card information (or real card number) in association with each other and stored).

Referring to FIG. 16, a card company server 1650 of a card issuing agency connected to the affiliate server 1600 through a predetermined communication means corresponds to the affiliate card from the affiliate server 1600 through the communication means. An information sending / receiving unit 1655 (or information receiving means) for receiving customer information, affiliate card information (or affiliate card number), card attribute information, the received customer information, and affiliate card information (or affiliate card number). Information stored in the card information D / B 1695, and the card information D / B 1695, wherein the card information is stored in the card information D / B 1695. It is characterized in that it comprises a section (1675) (or information storage means).

Referring to FIG. 16, the card company server 1650 of the card issuing organization generates a card number for generating a predetermined real card number to be associated with (or assigned to, the affiliate card) the affiliate card information (or affiliate card number). A generation unit 1660 (or card number generation means), a card information generation unit 1670 (or card information generation means) for generating actual card information including the actual card number, and the generated actual card information ( Or an information storage unit 1675 (or information storage means) for processing the actual card number in association with the association card information (or association card number) to store in the predetermined card information D / B 1695. The information transmitting / receiving unit 1655 may transmit the real card information (or real card number) associated with the affiliate card information (or affiliate card number) to the affiliate server 1600 through the communication means. Characterized by .

According to an embodiment of the present invention, the information storage unit 1675 processes the seal card information (or seal card number) in association with the association card information (or association card number), thereby providing predetermined card information D / B 1695. Is stored in the card information D / B 1695 including at least one of the customer information, the affiliate card information (or the affiliate card number), the card attribute information, and the card issuing affiliated agency information. And preferably storing the real card information (or real card number) in association with the affiliated card operation information. The information storage unit 1675 stores the real card information (or real card number). The affiliate card information is included through the affiliate server 1600 by storing (or at the same time storing) the predetermined card information D / B 1695 in association with affiliate card information (or affiliate card number). The affiliate card issued by the user is preferably used for registration processing.

In addition, when a predetermined real card number is generated through the card number generation unit 1660, the card company server 1650 may provide a predetermined card verification value (or verification code) corresponding to the generated real card number (eg, a verification code). , Verification information generation unit 1665 (or verification) for generating a CVV (Card Verification Value) of a Visa card, a Card Validation Code (CVC) of a master card, a Confidential Identifier Number or Card Identification Number (CID) of an American Express card, etc. Information generating means), and when the verification value (or verification code) is included in the extracted real card number, the verification information generating unit 1665 corresponds to the real card number. The function of generating a predetermined card verification value (or verification code) may be omitted.

In the technical field to which the present invention pertains, the verification information generation unit 1665 may include a CVV (Card Verification Value) of the Visa card, a CVC (Card Validation Code) of a master card, and a CID of an American Express card. The technical features for generating a card verification value (or verification code) including at least one (Confidential Identifier Number or Card Identification Number) will be understood, so a detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, the seal card information may include the seal card number, a card verification value (or verification code), the card expiration date (some may be omitted), card issuing affiliate information and card issuing agency information (or code). It is preferable to comprise at least one).

Subsequently, the at least one affiliate card operation information including at least one of the customer information, the actual card information, the affiliate card information, the card attribute information, and the affiliated agency information stored in the card information D / B 1695 may be used. It is used to provide various payment and settlement services or various additional services through an affiliate card provided with the affiliate card information (or affiliate card number) through the seal card information (or seal card number).

According to an embodiment of the present invention, the card information D / B 1695 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 1695 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 1695 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 1695 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 method of the present invention, the card company server 1650 is stored in the card information D / B (1695) the association card information (or affiliate card number) and the seal card information (or seal card number) is stored in association Thereafter, a card applet (or IC chip storage information) including the real card information (or real card number) may be generated and provided to the customer wireless terminal to be updated and recorded on the wireless IC chip. A card applet (or IC chip storage information) including real card information (or real card number) is recorded on a wireless IC chip provided in the customer wireless terminal and at the same time, the affiliate card information (or alliance) on the affiliate server 1600. The affiliate card previously issued to the customer, including the card number, is deactivated, and the card applet (or IC chip store) issued later to the customer, including the seal card information (or seal card number) Is affiliated card corresponding to the information) to be registered as a new preferred.

17 is a diagram illustrating a card registration process for issuing an affiliate card using an affiliate card number 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 and transmits the information to the affiliated server 1600. 1600 shows a process of first issuing an affiliate card in the form of a card applet (or IC chip storage information) including a predetermined affiliate card number to the customer based on the card registration application information. Alternatively, the card issuing organization dynamically generates predetermined seal card information (or seal card number) through the process shown in FIG. Real-time channel number) to register in association with the affiliate card information (or affiliate card number).

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 17. 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. 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 1685. The process of storing the predetermined affiliate card issuance information in the storage medium 1685 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 shown in FIG. 16 is referred to as "terminal" for convenience, and the affiliate server 1600 is referred to as "server" for convenience.

Referring to FIG. 17, in order to issue the affiliated card for issuing an affiliated card using the affiliated card number, the customer is prescribed through a face-to-face card registration interface (eg, the card registration application, employee terminal, and network means). A card registration application (e.g., a document with a form for filling in at least one information item for issuing an affiliate card using the affiliate card number) is completed and submitted to an affiliated employee, the terminal member by the affiliated employee Receives (or selects) card registration application information corresponding to the card registration application prepared by the customer through a predetermined user interface (1700), and transmits the card registration application information 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, customer wireless terminal information provided with the wireless IC chip, and various card attribute information for setting card attributes for the affiliated card. And at least one of the customer wireless terminal information (or membership card number) included in the card number to be assigned to the affiliated card, and is intended by those skilled in the art (or a wireless terminal corresponding to the card issuing affiliated organization). Characteristics), the customer wireless terminal information with the wireless IC chip and the customer wireless terminal information included in the card number to be assigned to the affiliated card may be the same or different.

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).

In addition, the customer wireless terminal information is unique information of the customer wireless terminal equipped with a wireless IC chip capable of recording a card applet (or IC chip storage information) (for example, wireless terminal telephone number, address information, or identification information, Or at least one of ID information, etc.), and a card applet corresponding to the affiliate card by a wireless terminal corresponding to the customer wireless terminal information for issuing a predetermined affiliate card through the card number rental. Or IC chip storage 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 firing. 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 institution (or card issuing authority) or is set in a policy, the card attribute information may be omitted, whereby the present invention It is not limited.

In addition, the customer wireless terminal information (or membership card number) included in the card number to be assigned to the alliance card is characterized in that it comprises information to be included in the predetermined card number to be assigned to the alliance card issued to the customer, When the customer information and the customer wireless terminal information are stored in association with a predetermined customer information D / B 1680 provided to (or linked to) the card issuing affiliated institution, the card registration request information is stored in the wireless information of the customer. Or the terminal information, and if the customer information and the membership card number are stored in association with a predetermined customer information D / B 1680 provided (or associated with) the card issuing affiliated institution, It is desirable to include the wireless terminal information of the customer in the registration application information to transmit.

According to an embodiment of the present invention, the card issuing affiliate institution includes at least one or more mobile carriers and various wireless carriers affiliated with the card issuing agency, or the card issuing affiliate institution is connected to the customer wireless terminal in the member registration process. At least one of a wireless terminal telephone number (e.g., a mobile communication telephone number), a wireless terminal unique number (e.g., an Electronic Serial Number (ESN)), or a wireless terminal address (e.g., an IP address or a MIP address) When receiving the wireless terminal information including the information stored in the predetermined customer information D / B (1680) in association with the customer information, the affiliate server 1600 includes the wireless terminal information of the customer in the card registration application information It is preferable to transmit the data, and the mobile terminal telephone number (eg, mobile communication telephone number) included in the customer wireless terminal information, or wireless terminal Wireless terminal information including at least one of a serial number (for example, an electronic serial number (ESN)) or a wireless terminal address (for example, an IP address or a MIP address) may be obtained through a card registration system shown in FIG. It is preferably included in the affiliate card number to be issued to the customer.

According to another embodiment of the present invention, the card issuing affiliate institution issues a predetermined membership card to the customer, and the customer information and the predetermined customer information D / B 1680 provided to the card issuing affiliate institution. When the membership card number is stored in association with the affiliate server 1600, the affiliate server 1600 preferably transmits the membership card number previously issued to the customer in the card registration application information, and the membership card number is shown in FIG. It is preferably included in the affiliate card number to be issued to the customer through the card registration system shown in.

According to another exemplary embodiment of the present invention, a predetermined customer unique number assigned to the customer by the card issuing affiliate institution is linked to the customer information in the customer information D / B 1680 provided at the card issuing affiliate institution. If processed and stored, the customer unique number may be further included in the card registration application information instead of the customer wireless terminal information (or membership card number), whereby the present invention is not limited thereto.

Thereafter, the server receives and reads the card registration request information from the terminal through the network means, and issues the affiliate card using the affiliate 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 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 opened in connection with a financial institution server (not shown) to check whether the customer account is opened and normally operated.

When the customer wireless terminal information is included in the card registration request information according to an embodiment of the present invention, and the customer information and predetermined customer wireless terminal information are stored in the customer information D / B 1680 in association with each other, Validation of the issuance of the alliance card to the customer may include comparing the customer wireless terminal information included in the card registration application information with the customer wireless terminal information stored in the customer information D / B 1680. Preferably, the wireless terminal information includes checking whether the wireless terminal information includes the wireless terminal information actually used by the customer.

According to another embodiment of the present invention, if the membership card number is included in the card registration application information, and the customer information and the predetermined membership card number are stored in association with the customer information D / B 1680, the Validation of the issuance of the alliance card to a customer may be performed by comparing the membership card number included in the card registration application information with the membership card number stored in the customer information D / B 1680. It is preferable that the card issuing affiliated organization includes checking whether the membership card number previously issued to the customer is included.

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 for issuing the affiliate card to the customer through the card registration application information is authenticated (1715), the server is connected to the customer wireless terminal information (or membership card number) included in the card registration application information. All (or part) of the provided number is assigned to the affiliate card number for the registered affiliate card (1725).

According to an embodiment of the present invention, a wireless terminal telephone number (for example, a mobile communication telephone number), or a wireless terminal unique number (for example, an ESN (Electronic Serial Number)) in the received (or validated) card registration application information. Number)), or wireless terminal information including at least one of a wireless terminal address (for example, an IP address or a MIP address, etc.), the server may include some (or all of) numbers included in the customer wireless terminal information. ) Is assigned to the card number of the registered affiliated card.

If the customer wireless terminal information included in the card registration application information includes the wireless terminal telephone number (eg, a mobile telephone number) according to the above-described method, the server converts the wireless terminal telephone number into an affiliate card number as it is. It is desirable to assign.

For example, when the wireless terminal telephone number (for example, mobile communication telephone number) is composed of "010-1234-9876", the server may assign "01012349876" as the card number of the registered affiliate card as it is. According to the intention of the person skilled in the art, a predetermined identification number may be further included in front of the radio terminal telephone number, or a predetermined check digit may be further included in the rear end of the radio terminal telephone number.

Alternatively, when the customer wireless terminal information included in the card registration request information includes the wireless terminal telephone number (eg, a mobile communication telephone number), the server allocates a part of the wireless terminal telephone number as an affiliate card number. It is preferable.

For example, when the wireless terminal telephone number (e.g., mobile communication telephone number) is "010-1234-9876", the server selects one of the first three digits of the telephone number corresponding to the mobile communication identification number (e.g., If the mobile identification number is "011", "1", "016" "6", "017" "7", "018" "8", "019" "9", "010" &Quot; 0 " and the like, and select a total of 9 digits by adjusting the remaining number to 8 digits, and use a 16 digit card number (e.g., 4 digit card company number, A 2-digit card type number, a 9-digit serial number (or a unique number), and a 1-digit check digit can be generated and assigned to the affiliated card number.

Those skilled in the art to which the present invention belongs, the customer wireless terminal information is the wireless terminal unique number (e.g. ESN (Electronic Serial Number)), or wireless terminal address (e.g. IP address, or MIP address) Etc.), it is possible to infer various implementation methods for allocating a part or all of the numbers included in the wireless terminal information to the card number of the registered affiliated card. It is characterized by including all the implementation method, for the convenience of illustration in this figure 16 will be omitted.

According to another exemplary embodiment of the present invention, when the received (or validated) card registration application information includes a membership card number previously issued to the customer by the card issuing affiliate institution, the server is a customer. A part (or all) of the numbers included in the wireless terminal information may be assigned as the card number of the registered affiliated card.

When the card registration application information includes a membership card number that follows a predetermined card number system according to the embodiment, the server preferably allocates the wireless terminal telephone number as an affiliate card number as it is. The card information generator 1635 generates affiliate card information including the affiliate card number, or the card issuer 1645 creates an affiliate card including the affiliate card information and provides it to the customer (or delivers it). ), And the membership card can be used as the affiliate card as it is.

Alternatively, if a membership card number conforming to a predetermined card number system is included, the server preferably allocates a part of the radio terminal telephone number as a card number for the registered affiliate card.

For example, if the card registration application information includes a membership card number that follows a predetermined card number system, the server extracts a number that is not duplicated on the card number system, and the extracted number is unique to the affiliate card. It is preferable to assign a card number to be used as a number (or serial number).

If one of ordinary skill in the art to which the present invention belongs, it extracts the non-overlapping number corresponding to each membership card number system, and the extracted number as a unique number (or serial number) for the affiliate card Since various implementation methods may be inferred, a detailed description thereof will be omitted for convenience.

Thereafter, the server generates predetermined affiliate card information including the affiliate card number (1730).

According to an embodiment of the present invention, the affiliated card information includes the affiliated card number, the card verification value (or verification code), the card expiration date (some may be omitted), the card issuing affiliated agency information and the card issuing agency information (or code). It is preferable to comprise at least one).

Thereafter, the server generates a predetermined card applet (or IC chip storage information) including the generated (or extracted) affiliate card information (1735), and stores the generated card applet (or IC chip storage information). In operation 1740, the card is transmitted to the customer wireless terminal through a wireless communication network corresponding to the customer wireless terminal information included in the card registration application information.

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

According to an embodiment of the present invention, the server reads the customer wireless terminal information included in the card registration request information to identify a wireless communication network corresponding to the customer wireless terminal information, and a predetermined applet providing server connected to the wireless communication network. It is preferable to transmit the generated card applet (or IC chip storage information) to the customer wireless terminal through 1699.

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 1699 to the customer wireless terminal (for example, wireless message and The card applet (or IC chip storage information) transmission using the callback URL) may be inferred, but the present invention is characterized by including all implementation methods inferred.

Thereafter, the customer wireless terminal records the received card applet (or IC chip storage information) on a wireless IC chip provided in the corresponding wireless terminal, thereby issuing an affiliate card corresponding to the card applet (or IC chip storage information). (1745)

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 1685 (1750).

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 firing 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 about a charge amount charged in the affiliated 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.

18 is a diagram illustrating a card registration process for issuing an affiliate card using an affiliate card number according to another exemplary 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 connecting to the affiliate server 1600 through inputting (or selecting) predetermined card registration application information, the affiliate server 1600 transmits a predetermined affiliate card number to the customer based on the card registration application information. A process of first issuing an affiliated card in the form of a card applet (or IC chip storage information) including the following, and then, a predetermined actual card information (from the card issuing agency) through the process shown in FIGS. 19 and / or 20. Or dynamically generate (or real time number) the real card number and register in association with the affiliate card information (or affiliate card number).

Those skilled in the art to which the present invention pertains can refer to various drawings and / or modify this drawing 18 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. 18 illustrates that the affiliate card is manufactured and provided (or shipped) to the customer, and then the affiliate card issuance information is stored in the storage medium 1685. The process of storing the predetermined affiliate card issuance information in the storage medium 1685 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 shown in FIG. 16 is called "terminal" for convenience, and the affiliate server 1600 is called "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 using the affiliate 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, customer wireless terminal information provided with the wireless IC chip, and various card attribute information for setting card attributes for the affiliated card. And at least one of the customer wireless terminal information (or membership card number) included in the card number to be assigned to the affiliated card, and is intended by those skilled in the art (or a wireless terminal corresponding to the card issuing affiliated organization). Characteristics), the customer wireless terminal information with the wireless IC chip and the customer wireless terminal information included in the card number to be assigned to the affiliated card may be the same or different.

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).

In addition, the customer wireless terminal information is unique information of the customer wireless terminal equipped with a wireless IC chip capable of recording a card applet (or IC chip storage information) (for example, wireless terminal telephone number, address information, or identification information, Or at least one of ID information, etc.), and a card applet corresponding to the affiliate card by a wireless terminal corresponding to the customer wireless terminal information for issuing a predetermined affiliate card through the card number rental. Or IC chip storage 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 firing. 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.

In addition, the customer wireless terminal information (or membership card number) included in the card number to be assigned to the alliance card is characterized in that it comprises information to be included in the predetermined card number to be assigned to the alliance card issued to the customer, When the customer information and the customer wireless terminal information are stored in association with a predetermined customer information D / B 1680 provided to (or linked to) the card issuing affiliated institution, the card registration request information is stored in the wireless information of the customer. Or the terminal information, and if the customer information and the membership card number are stored in association with a predetermined customer information D / B 1680 provided (or associated with) the card issuing affiliated institution, It is desirable to include the wireless terminal information of the customer in the registration application information to be transmitted.

According to an embodiment of the present invention, the card issuing affiliate institution includes at least one or more mobile carriers and various wireless carriers affiliated with the card issuing agency, or the card issuing affiliate institution is connected to the customer wireless terminal in the member registration process. At least one of a wireless terminal telephone number (e.g., a mobile communication telephone number), a wireless terminal unique number (e.g., an Electronic Serial Number (ESN)), or a wireless terminal address (e.g., an IP address or a MIP address) When receiving the wireless terminal information including the information stored in the predetermined customer information D / B (1680) in association with the customer information, the affiliate server 1600 includes the wireless terminal information of the customer in the card registration application information It is preferable to transmit the data, and the wireless terminal phone number (for example, mobile communication phone number) included in the customer wireless terminal information, or radio terminal high Wireless terminal information including at least one of a serial number (for example, an electronic serial number (ESN)) or a wireless terminal address (for example, an IP address or a MIP address) may be obtained through a card registration system shown in FIG. It is preferably included in the affiliate card number to be issued to the customer.

According to another exemplary embodiment of the present invention, the card issuing affiliate institution issues a predetermined membership card to the customer, and provides the customer information to the predetermined customer information D / B 1680 provided in the card issuing affiliate institution. When the membership card number is stored in association, the affiliate server 1600 preferably transmits the membership card number including the membership card number previously issued to the customer in the card registration application information. It is preferably included in the affiliate card number to be issued to the customer through the card registration system shown in 16.

According to another exemplary embodiment of the present invention, a predetermined customer unique number assigned to the customer by the card issuing affiliate institution is linked to the customer information in the customer information D / B 1680 provided at the card issuing affiliate institution. If processed and stored, the customer unique number may be further included in the card registration application information instead of the customer wireless terminal information (or membership card number), and the present invention is not limited thereto.

Thereafter, the server receives and reads the card registration request information from the terminal through the network means, and issues the affiliate card using the affiliate 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 (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.

When the customer wireless terminal information is included in the card registration request information according to an embodiment of the present invention, and the customer information and predetermined customer wireless terminal information are stored in the customer information D / B 1680 in association with each other, Validation of the issuance of the alliance card to the customer may include comparing the customer wireless terminal information included in the card registration application information with the customer wireless terminal information stored in the customer information D / B 1680. Preferably, the wireless terminal information includes checking whether the wireless terminal information includes the wireless terminal information actually used by the customer.

According to another embodiment of the present invention, if the membership card number is included in the card registration application information, and the customer information and the predetermined membership card number are stored in association with the customer information D / B 1680, the Validation of the issuance of the alliance card to a customer may be performed by comparing the membership card number included in the card registration application information with the membership card number stored in the customer information D / B 1680. It is preferable that the card issuing affiliated organization includes checking whether the membership card number previously issued to the customer is included.

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 for issuing the affiliate card to the customer through the card registration application information is authenticated (1820), the server is connected to the customer wireless terminal information (or membership card number) included in the card registration application information. All (or part) of the provided number is assigned to an affiliate card number for the registered affiliate card (1830).

According to an embodiment of the present invention, a wireless terminal telephone number (for example, a mobile communication telephone number), or a wireless terminal unique number (for example, an ESN (Electronic Serial Number)) in the received (or validated) card registration application information. Number)), or wireless terminal information including at least one of a wireless terminal address (for example, an IP address or a MIP address, etc.), the server may include some (or all of) numbers included in the customer wireless terminal information. ) Is assigned to the card number of the registered affiliated card.

If the customer wireless terminal information included in the card registration application information includes the wireless terminal telephone number (eg, a mobile telephone number) according to the above-described method, the server converts the wireless terminal telephone number into an affiliate card number as it is. It is desirable to assign.

For example, when the wireless terminal telephone number (for example, mobile communication telephone number) is composed of "010-1234-9876", the server may assign "01012349876" as the card number of the registered affiliate card as it is. According to the intention of the person skilled in the art, a predetermined identification number may be further included in front of the radio terminal telephone number, or a predetermined check digit may be further included in the rear end of the radio terminal telephone number.

Alternatively, when the customer wireless terminal information included in the card registration application information includes the wireless terminal telephone number (eg, a mobile communication telephone number), the server allocates a part of the wireless terminal telephone number as an affiliated card number. It is desirable to.

For example, when the wireless terminal telephone number (e.g., mobile communication telephone number) is "010-1234-9876", the server selects one of the first three digits of the telephone number corresponding to the mobile communication identification number (e.g., If the mobile identification number is "011", "1", "016" "6", "017" "7", "018" "8", "019" "9", "010" &Quot; 0 " and the like, and select a total of 9 digits by adjusting the remaining number to 8 digits, and use a 16 digit card number (e.g., 4 digit card company number, A 2-digit card type number, a 9-digit serial number (or a unique number), and a 1-digit check digit can be generated and assigned to the affiliated card number.

Those skilled in the art to which the present invention belongs, the customer wireless terminal information is the wireless terminal unique number (e.g. ESN (Electronic Serial Number)), or wireless terminal address (e.g. IP address, or MIP address) Etc.), it is possible to infer various implementation methods for allocating a part or all of the numbers included in the wireless terminal information to the card number of the registered affiliated card. It is characterized by including all the implementation method, for the convenience of illustration in this figure 16 will be omitted.

According to another exemplary embodiment of the present invention, when the received (or validated) card registration application information includes a membership card number previously issued to the customer by the card issuing affiliate institution, the server is a customer. A part (or all) of the numbers included in the wireless terminal information may be assigned as the card number of the registered affiliated card.

When the card registration application information includes a membership card number that follows a predetermined card number system according to the embodiment, the server preferably allocates the wireless terminal telephone number as an affiliate card number as it is. The card information generator 1635 generates affiliate card information including the affiliate card number, or the card issuer 1645 creates an affiliate card including the affiliate card information and provides it to the customer (or delivers it). ), And the membership card can be used as the affiliate card as it is.

Alternatively, if a membership card number conforming to a predetermined card number system is included, the server preferably allocates a part of the radio terminal telephone number as a card number for the registered affiliate card.

For example, if the card registration application information includes a membership card number that follows a predetermined card number system, the server extracts a number that is not duplicated on the card number system, and the extracted number is unique to the affiliate card. It is preferable to assign a card number to be used as a number (or serial number).

If one of ordinary skill in the art to which the present invention belongs, it extracts the non-overlapping number corresponding to each membership card number system, and the extracted number as a unique number (or serial number) for the affiliate card Since various implementation methods may be inferred, a detailed description thereof will be omitted for convenience.

Thereafter, the server generates predetermined affiliate card information including the affiliate card number (1835).

According to an embodiment of the present invention, the affiliated card information includes the affiliated card number, the card verification value (or verification code), the card expiration date (some may be omitted), the card issuing affiliated agency information and the card issuing agency information (or code It is preferable to comprise at least one).

Thereafter, the server generates a predetermined card applet (or IC chip storage information) including the generated (or extracted) affiliate card information (1840), and generates the generated card applet (or IC chip storage information). In operation 1845, the card is transmitted to the customer wireless terminal through a wireless communication network corresponding to the customer wireless terminal information included in the card registration application information.

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

According to an embodiment of the present invention, the server reads the customer wireless terminal information included in the card registration request information to identify a wireless communication network corresponding to the customer wireless terminal information, and a predetermined applet providing server connected to the wireless communication network. It is preferable to transmit the generated card applet (or IC chip storage information) to the customer wireless terminal through 1699.

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 1699 to the customer wireless terminal (for example, wireless message and The card applet (or IC chip storage information) transmission using the callback URL) may be inferred, but the present invention is characterized by including all implementation methods inferred.

Thereafter, the customer wireless terminal records the received card applet (or IC chip storage information) on a wireless IC chip provided in the corresponding wireless terminal, thereby issuing an affiliate card corresponding to the card applet (or IC chip storage information). (1850).

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 1685 (1855).

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 firing 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 assigned to the affiliated card, the card attribute information may include customer account information associated with the affiliate card. In the case of granting the credit card information, the card property information may include information on the amount of charge charged in the affiliated 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.

19 is a diagram illustrating a process of registering real card information (or real card number) for issuing an affiliate card using customer wireless terminal information (or membership card number) according to one embodiment of the present invention.

More specifically, FIG. 19 shows predetermined affiliate card information including all (or part) of the customer wireless terminal information (or membership card number) through the card registration process shown in FIGS. 17 and / or 18. Or after the affiliate card including an affiliate card number) is issued and the affiliate server issuing information is provided to the card company server 1650 provided at the card issuing institution by the affiliate server 1600, the card company server 1650. The association card information (or affiliate card number) and predetermined seal card information (or seal card number) are stored in the predetermined card information D / B 1695 based on the association card issuing information. A process of registering to use an affiliate card so that the affiliate card can be used in connection with the affiliate card information (or affiliate card number) in the card company server 1650. And the dynamically generated real card number (or real-time chaebeon) relates to a method embodiment for registering and processing associated with the affiliated card information (card number or partner).

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 19 to seal card information (or seal card) for issuing an affiliate card using the customer wireless terminal information (or membership card number). No.) Various implementation methods for the registration process may be inferred, but the present invention includes all the implementation methods inferred above, and the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 19, through the process shown in FIG. 17 and / or FIG. 18, the affiliate server 1600 provided in the card issuing affiliate institution is configured to provide the entire (or membership card number) of the customer wireless terminal information (or membership card number). An affiliated card including predetermined affiliated card information (or affiliated card number), which is made up of a portion thereof, and issues the customer information, the affiliated card information, and card attribute information of the affiliated card in response to the issuance of the affiliated card. After storing the at least one affiliate card issuance information including at least one in a predetermined storage medium (1685), the customer information corresponding to the affiliate card and the card information (or The affiliate card issuance information including at least one affiliate card number) and at least one card attribute information (1900), and the card company server 1650 transmits the affiliate card issue information. And stored in a branded card management information further includes the card-issuing institution affiliated information to a predetermined card information D / B (1695) (1905).

Thereafter, the card company server 1650 is included in the affiliate card issuance information from the seal card number D / B 1690 from the seal card number D / B 1690 (or included in the affiliate card management information). In operation 1910, a predetermined real card number to be associated with the affiliate card information (or affiliate card number) is generated according to a card number generation rule (or a rule associated with the card issuing affiliate institution) of a merchant card issuing agency.

If a predetermined seal card number to be associated with the affiliate card information (or affiliate card number) is generated (16915), the card company server 1650 may assign a predetermined card verification value (or verification code) corresponding to the seal card number. Generate (1920).

Here, the card verification value (or verification code) is a CVV (Card Verification Value) of a Visa card, a Card Validation Code (CVC) of a master card, a CID (Confidential Identifier Number or Card) of an American Express card according to the actual card number system. It is preferable to include any one of Identification Number, and if the person having ordinary skill in the art, the card company server 1650 is the CVV (Card Verification Value), master of the Visa card You will be familiar with the technical features of generating a card validation value (or validation code) that includes at least one of a Card Validation Code (CVC) on a card and a Confidential Identifier Number or Card Identification Number (CID) on an American Express card. Detailed description thereof will be omitted for convenience.

Thereafter, the card company server 1650 generates predetermined seal card information including the seal card number and a card verification value (or verification code) (1925).

Here, the seal card information includes at least one seal card number, a card verification value (or verification code), the card expiration date (some may be omitted), card issuing agency information, and card issuing organization information (or code). It is preferable to make it.

Thereafter, the card company server 1650 associates the affiliate card information (or affiliate card number) with the seal card information (or seal card number) and stores them in a predetermined card information D / B 1695, thereby allowing the association. Process usage registration for the card (1930).

According to an exemplary embodiment of the present invention, the card company server 1650 processes the affiliate card information (or affiliate card number) and the seal card information (or seal card number) in association with a predetermined card information D / B 1695. Storing in the card information D / B 1695 preferably includes further linking and storing the real card information (or real card number) in the associated card operation information stored in the card information D / B 1695.

According to an embodiment of the present invention, the card information D / B 1695 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 1695 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 1695 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 1695 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.

Thereafter, the card company server 1650 communicates the real card information (or real card number) associated with the affiliate card information (or affiliate card number) (or further associated with the affiliate card operation information). In operation 1935, the affiliate server 1600 further includes the real card information (or real card number) in the affiliate card issuance information. (1940).

According to the method of the present invention, the card company server 1650 is stored in the card information D / B (1695) the association card information (or affiliate card number) and the seal card information (or seal card number) is stored in association Thereafter, a card applet (or IC chip storage information) including the real card information (or real card number) may be generated and provided to the customer wireless terminal to be updated and recorded on the wireless IC chip. A card applet (or IC chip storage information) including real card information (or real card number) is recorded on a wireless IC chip provided in the customer wireless terminal and at the same time, the affiliate card information (or alliance) on the affiliate server 1600. The affiliate card previously issued to the customer, including the card number, is deactivated, and the card applet (or IC chip stored later) is issued to the customer, including the seal card information (or seal card number). It is preferable that the affiliated card corresponding to the information) is newly registered for use.

20 is a diagram illustrating a process of registering real card information (or real card number) for issuing an affiliate card using customer wireless terminal information (or membership card number) according to another embodiment of the present invention.

More specifically, FIG. 20 shows predetermined affiliate card information including all (or part) of the customer wireless terminal information (or membership card number) through the card registration process shown in FIGS. 17 and / or 18. Or after the affiliate card including an affiliate card number) is issued and the affiliate server issuing information is provided to the card company server 1650 provided at the card issuing institution by the affiliate server 1600, the card company server 1650. The association card information (or affiliate card number) and predetermined seal card information (or seal card number) are stored in the predetermined card information D / B 1695 based on the association card issuing information. A process of registering to use an affiliate card so that the affiliate card can be used. Specifically, the card company server 1650 performs a predetermined process to associate with the affiliate card information (or affiliate card number). The present invention relates to an implementation method of dynamically generating predetermined real card information including a real card number of a user, and cooperatively registering and registering the real card information (or affiliate card number).

Those skilled in the art to which the present invention pertains, real card information (or real card) for issuing an affiliate card using the customer wireless terminal information (or membership card number) by referring to and / or modifying the drawing 20. No.) Various implementation methods for the registration process may be inferred, but the present invention includes all the implementation methods inferred above, and the technical features are not limited to the implementation method shown in FIG.

Referring to FIG. 20, through the process shown in FIG. 17 and / or FIG. 18, the affiliate server 1600 provided in the card issuing affiliated institution may include the entire (or membership card number) of the customer wireless terminal information (or membership card number). An affiliated card including predetermined affiliated card information (or affiliated card number), which is made up of a portion thereof, and issues the customer information, the affiliated card information, and card attribute information of the affiliated card in response to the issuance of the affiliated card. After storing the at least one affiliate card issuance information including at least one in a predetermined storage medium (1685), the customer information corresponding to the affiliate card and the card information (or The affiliate card issuance information including at least one affiliate card number) and at least one card attribute information (2000), and the card company server 1650 transmits the affiliate card issue information. The affiliated card operation information further including the card issuing affiliated organization information is stored in the predetermined card information D / B 1695 (2005).

Thereafter, the card company server 1650 is included in the affiliate card issuance information from the seal card number D / B 1690 from the seal card number D / B 1690 (or included in the affiliate card management information). Predetermined real card information to be associated with the affiliate card information (or affiliate card number) is generated according to the card information generation rule of the merchant card issuing institution (or the rule associated with the card issuing affiliate institution) (2010).

The seal card information may include the seal card number and a card verification value (or verification code) (eg, a CVV (Card Verification Value) of a Visa card, a Card Validation Code (CVC) of a master card, and a CID (Confidential) of an American Express card. Identifier Number or Card Identification Number), etc.), the card expiration date (some may be omitted), card issuing partner information, and card issuing organization information (or code).

If predetermined seal card information to be associated with the affiliate card information (or affiliate card number) is generated (2015), the card company server 1650 may associate the affiliate card information (or affiliate card number) with the seal card information (or The real card number) is cooperatively processed and stored in the predetermined card information D / B 1695, thereby processing the use registration for the affiliated card (2020).

According to an exemplary embodiment of the present invention, the card company server 1650 processes the affiliate card information (or affiliate card number) and the seal card information (or seal card number) in association with a predetermined card information D / B 1695. Storing in the card information D / B 1695 preferably includes further linking and storing the real card information (or real card number) in the associated card operation information stored in the card information D / B 1695.

According to an embodiment of the present invention, the card information D / B 1695 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 1695 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 1695 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 1695 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.

Thereafter, the card company server 1650 communicates the real card information (or real card number) associated with the affiliate card information (or affiliate card number) (or further associated with the affiliate card operation information). The affiliated server 1600 is transmitted to the affiliated server 1600 through 2025. In response thereto, the affiliated server 1600 further includes the actual card information (or actual card number) in the affiliated card issuance information. (2030).

According to the method of the present invention, the card company server 1650 is stored in the card information D / B (1695) the association card information (or affiliate card number) and the seal card information (or seal card number) is stored in association Thereafter, a card applet (or IC chip storage information) including the real card information (or real card number) may be generated and provided to the customer wireless terminal to be updated and recorded on the wireless IC chip. A card applet (or IC chip storage information) including real card information (or real card number) is recorded on a wireless IC chip provided in the customer wireless terminal and at the same time, the affiliate card information (or alliance) on the affiliate server 1600. The affiliate card previously issued to the customer, including the card number, is deactivated, and the card applet (or IC chip stored later) is issued to the customer, including the seal card information (or seal card number). It is preferable that the affiliated card corresponding to the information) is newly registered for use.

According to the present invention, a predetermined card issuing agency first issues an affiliate card including an affiliate card number including all (or a part) of customer wireless terminal information (or membership card number), and then issues the card. By registering the affiliated card number in association with the predetermined real card number in the institution, there is an advantage of reducing the time required to issue the affiliated card.

According to the present invention, by assigning a card number corresponding to a membership card number previously issued to a customer by a predetermined card issuing affiliate institution as the affiliate card number, the membership card is used as an affiliate card without issuing a new card. The card issuing institution registers the affiliated card number in association with a predetermined real card number and registers it later, thereby reducing the time required for issuing the affiliated card.

According to the present invention, the card issuing affiliated institution is responsible for a part of the card issuing procedure through an affiliated card number including the whole (or a part) of the customer wireless terminal information (or membership card number). There is an advantage in greatly reducing the amount of work associated with the affiliate card during the work of the issuing organization.

Claims (6)

Receive customer wireless terminal information-including telephone number of wireless terminal, electronic serial number of wireless terminal, IP address fixedly assigned to wireless terminal, and one or more MIP addresses-when registering affiliate card at affiliate. Doing; Allocating all (or a part) of the customer wireless terminal information to an affiliate card by an affiliate card number in a card number assignment means; Generating affiliate card information including the affiliate card number in card information generating means; And And storing the association card information and the actual card information (or the actual card number) corresponding to the association card in an information storage means in a storage medium. Receiving a membership card number at an information receiving means when registering an affiliate card at an affiliate company; Allocating a membership card number previously issued by the affiliate to the affiliate card as an affiliate card number in the card number assignment means; Generating affiliate card information including the affiliate card number in card information generating means; And And storing the association card information and the actual card information (or the actual card number) corresponding to the association card in an information storage means in a storage medium. The method according to claim 1 or 2, And transmitting the affiliate card information to the card company server provided with the seal card information (or seal 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 receiving means for receiving a customer's wireless terminal information-including the telephone number of the wireless terminal, the electronic serial number of the wireless terminal, the IP address fixedly assigned to the wireless terminal, and one or more MIP addresses-when the affiliate card is registered by the affiliate company. ; Card number allocating means for allocating all (or a part) of the customer wireless terminal information to the alliance card as an alliance card number comprising the alliance card number system; Card information generating means for generating affiliate card information including the affiliate card number; And And information storage means for storing the association card information and the actual card information (or the actual card number) corresponding to the association card in a storage medium. Information receiving means for receiving a membership card number when registering an affiliate card in an affiliate company; Card number assignment means for allocating a membership card number previously issued by the affiliate to the affiliate card as an affiliate card number; Card information generating means for generating affiliate card information including the affiliate card number; And And information storage means for storing the association card information and the actual card information (or the actual card number) corresponding to the association card in a storage medium.

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