KR100898282B1 - Method for Adjusting Affiliated Card Limit Amount and Program Recording Medium - Google Patents

Abstract

The present invention relates to a method and system for setting an affiliated card limit amount and a recording medium therefor. The method for setting an affiliated card limit amount amount according to the present invention is based on a predetermined card number assignment means when a predetermined affiliate card is registered at a given affiliate. Allocating a card number provided by the card company server in a collective lease or real-time numbering to the affiliated card number; generating affiliated card information including the affiliated card number in a predetermined card information generating means; Setting usage approval target information to be settled for payment through a predetermined usage amount and a usage amount which are assigned to the affiliate card by the affiliate in a predetermined usage setting means, and in the predetermined card limit setting means The card limit amount corresponding to the card and the card to be paid and paid through the card limit amount. And setting the approval target information and linking the affiliated card information, the usage amount information, the card limit amount information, and the approval target information for each limit corresponding to the utilization amount and the card limit amount in a predetermined information storing means. Storing in a predetermined storage medium.

Affiliate card, limit amount, setting

Description

Affiliate card limit amount setting method and recording medium for this method {Method for Adjusting Affiliated Card Limit Amount and Program Recording Medium}

1 illustrates a system configuration for issuing an affiliate card by a card number rental method according to an embodiment of the present invention.

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

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

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

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

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

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

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

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

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

FIG. 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) through collective leasing of card numbers according to an exemplary embodiment of the present invention.

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

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

FIG. 14 is a diagram illustrating a card registration system for issuing an affiliate card in the form of a card applet (or IC chip storage information) through a batch lease of card numbers according to another exemplary embodiment of the present invention.

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

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

FIG. 17 is a diagram illustrating a card registration system for issuing an affiliate card in the form of a card applet (or IC chip storage information) through a batch lease of card numbers according to another exemplary embodiment of the present invention.

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

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

20 is a diagram illustrating a card registration system for issuing an affiliate card in MS / IC form through real-time lease (or numbering) of card numbers according to an embodiment of the present invention.

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

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

FIG. 23 is a diagram illustrating a card registration system for issuing an affiliate card in MS / IC form through real-time lease (or numbering) of card numbers according to another embodiment of the present invention.

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

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

FIG. 26 is a diagram illustrating a card registration system for issuing an affiliate card in the form of a card applet (or IC chip storage information) through real-time lease (or numbering) of card numbers according to an embodiment of the present invention.

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

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

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

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

<Description of main parts of drawing>

100: affiliate server 110: card company server

200: interface unit 205: interface providing unit

210: authenticity receiving unit 215: validity authentication unit

220: information transceiver 225: card number assignment unit

230: card information generation unit 235: utilization setting unit

240: information storage unit 245: card issuing unit

250: information transmitting and receiving unit 255: verification information generation unit

260: information storage unit 265: card limit setting unit

270: rental card number D / B 275: storage medium

280: Card Information D / B

According to the present invention, when a predetermined affiliate card is registered at a predetermined affiliate company, allocating a card number provided by the predetermined card company server in a predetermined card number assignment unit or leased by a predetermined card company server or provided in real time as the associated card number; Generating affiliate card information including the affiliate card number in the card information generating means, and using a predetermined utilization amount and utilization amount assigned to the affiliate card by the affiliate in a predetermined utilization setting means; Setting the usage limit approval target information; setting the card limit authorization target information to be paid and paid using the card limit amount corresponding to the affiliated card and the card limit amount in a predetermined card limit setting means; In the information storage means, the affiliated card information, usage amount information and card limit amount setting And also using the conjunction process the limit authorized by the destination information corresponding to the amount of money and the card limit relates to the affiliate card limit value setting method comprising the step of storing in a storage medium.

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.

An object of the present invention for solving the above problems, when a predetermined affiliate card registration in a predetermined affiliate, a card number allocation for allocating a card number provided by the lease in a predetermined card company server, or real-time sequencing to the associated card number Card information generating means for generating affiliation card information including the affiliation card number, and the credit authorization information to be paid and paid through a predetermined usage amount and usage amount that the affiliate company gives to the affiliate card. Usage limit setting means for setting a card limit, card limit amount corresponding to the affiliated card and card limit setting means for setting card limit authorization target information to be paid and paid through the card limit amount, and the affiliated card information and the used amount Information and Card Limit Amount Information and as long as the Credit Limit Amount and Card Limit Amount above To provide an affiliated card limit value setting system having a data storage means for storing in a predetermined storage medium to process the specific information for approval linkage.

In the method of setting an affiliated card limit amount according to the present invention, when a predetermined affiliated card is registered at a predetermined affiliated company, the affiliated card provides a card number which is rented by a predetermined card company server by a predetermined card number assignment means or provided by real-time numbering. Allocating by number, generating affiliate card information including the affiliate card number in a predetermined card information generating means, and using a predetermined utilization setting means to assign the affiliate card to the affiliate card. Setting usage approval target information for payment through an amount and a usage amount; approving a card limit amount corresponding to the affiliated card and a credit limit for payment through the card limit amount in a predetermined card limit setting means; The step of setting target information and the association card information with the predetermined information storing means. And linking the limit amount information, the card limit amount information, and the limit-specific approval target information corresponding to the limit amount and the card limit amount to a predetermined storage medium.

According to the present invention, the affiliated card limit amount setting method may include checking the allowance information corresponding to the utilization amount information in a predetermined allowance checking means and setting the allowance in the predetermined allowance depositing means in the allowance deposit account of the card company; Characterized in that further comprising the step of depositing.

On the other hand, the present invention includes a recording medium, characterized in that the program for executing the above-mentioned method of setting the credit card limit amount recorded.

On the other hand, in the affiliated card limit amount setting system according to the present invention, when a predetermined affiliated card is registered at a predetermined affiliated company, a card for allocating a card number which is rented by a predetermined card company server or provided in real time is assigned to the affiliated card number. Card information generation means for generating affiliation card information including the affiliation card number, a usage amount for payment and settlement through a predetermined usage amount and usage amount that the affiliate company gives to the affiliate card; Usage limit setting means for setting target information, Card limit setting means for setting payment limit payment information through the card limit amount and the card limit amount corresponding to the affiliated card, And the card limit setting means Corresponding to the amount of money information and card limit amount information It is characterized in that it comprises the processes associated limits approved by the destination information comprising a data storage means for storing in a predetermined storage 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 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.

Figure 1 shows a system configuration for issuing an affiliate card in a card number rental method according to an embodiment of the present invention.

In more detail, FIG. 1 illustrates a card company server 110 provided in at least one card issuing agency that issues at least one affiliate card to at least one customer in cooperation with a predetermined card issuing agency, and at least one card company server. As illustrated in FIG. 1, there is shown an affiliate card issuing system configuration including an affiliate server 100 for issuing an affiliate card for each card company to at least one or more customers through a card number rental method. If one of ordinary skill in the art, it will be able to infer various implementation methods for the system configuration for issuing an affiliate card for each card company by the card number rental method by referring to and / or modifying the Figure 1, the present invention is Including all implementation methods inferred, only the implementation method shown in FIG. The technical features are not limited.

Referring to FIG. 1, a system for issuing an alliance card by the card number rental method includes a card registration terminal for transmitting predetermined card registration application information to the affiliate server 100 through a predetermined network means, and the network means. An affiliate server connected to the card registration terminal via an affiliated card company D / B (or linked with an affiliated card company D / B) for storing at least one card issuing agency information associated with the card issuing agency; 100) and the card company server 110 for issuing at least one or more affiliate cards to the at least one or more customers in a card number rental method in connection with the affiliate server 100 through the communication means, The affiliate server 100 and at least one card company server 110 is characterized in that the communication is connected through a predetermined communication means It shall be.

According to the present invention, the affiliate server 100 is characterized in that for setting the predetermined usage amount for the affiliate card in the process of issuing the affiliate card, wherein the utilization amount is the affiliate in the card issuing affiliate institution As the limit amount to be assigned to the card, after the utilization amount is set, the affiliate server 100 processes a portion (or all) of the utilization amount as a allowance through a predetermined financial system and deposits it into the card issuing institution. It is desirable to.

In addition, the affiliate server 100 is characterized in that for setting the approval target information for each limit including at least one or more usage approval target for the usage amount, the usage approval target is through the usage amount At least one merchant information (or merchant group information) to be paid and processed, and payment amount information, online / offline payment channel information and the like is preferably included at least one or more.

According to the present invention, the card company server 110 sets a predetermined card limit amount for the affiliate card in the process of issuing the affiliate card. If included, it is preferable to include a credit limit amount for the affiliate card, and if the affiliate card includes a check card / debit card attribute, it is preferable to include a customer account balance associated with the affiliate card. Do.

In addition, the card company server 110 is characterized in that for setting the approval target information for each limit including at least one or more card limit authorization target for the card limit amount, the card limit authorization object through the card limit amount At least one merchant information (or merchant group information) to be paid and processed, and payment amount information, online / offline payment channel information and the like is preferably included at least one or more.

Hereinafter, a method for issuing an affiliated card corresponding to each card number rental method will be described based on the basic system configuration shown in FIG. 1 for issuing an affiliate card for each card company using the card number rental method.

However, a method for issuing an affiliate card for each card company according to the present invention is not limited to the card number leasing method, and a method of allocating a predetermined virtual card number to the affiliate card by the card issuing affiliate institution (for example, an affiliate server). (100) first issuing an affiliate card including a virtual card number, the card company server (110) in association with the virtual card number and the actual card number to store and register later), or in the card issuing affiliate A method of allocating the wireless terminal information (or membership card number) of the customer to the affiliated card (eg, an affiliate card that uses the customer wireless terminal information (or membership card number) as an affiliate card number in the affiliate server 100). Issuing first, the card company server 110 stores the association card number and the actual card number in association with the later registration Manner) and the like, and the present invention is not limited thereto.

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

In more detail, FIG. 2 shows that when a predetermined customer provides card registration application information for issuing an affiliate card through leasing a predetermined card number to a card issuing affiliate institution through a predetermined card registration interface, the card issuing affiliate institution is configured to provide the card registration application information. It is a system configuration for issuing an affiliate card in the form of a predetermined MS (Magnetic Stripe) card or IC (Integrated Circuit) card to the customer based on the provided card registration application information, specifically, a rental card for storing the rental card number The implementation method in which the number D / B is provided in the card issuing affiliated institution is shown.

Those skilled in the art to which the present invention pertains, various implementation methods (for example, the configuration of the card registration system for issuing the affiliated card through lease the card number by referring to and / or modifying the Figure 2) The lease card number D / B storing the lease card number may be provided in the card issuing institution or the lease card number D / B may be synchronized with the present invention). It includes a method, 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. 2 according to an embodiment of the present invention, a card registration system for issuing an affiliated card through leasing the card number is an employee terminal used by an affiliated employee provided in at least one card issuer (or financial institution). And / or a client terminal including at least one wired terminal and / or a wireless terminal used by the customer when the card registration system supports a non-face-to-face card registration application. Characterized in that the employee terminal and / or client terminal is connected to the communication channel and the affiliate server 100 provided in the card issuing affiliate institution through a predetermined network means.

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

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

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

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

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

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

The client terminal may output at least one user interface provided by the affiliate server 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. 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 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 step 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.

According to an embodiment of the present invention, the rental card number D / B 270 provided in the card issuing affiliated institution is registered at least one or more through the card issuing affiliated institution in at least one or more card issuing institutions shown in FIG. It is preferable to include at least one or more card numbers leased to be assigned to the above affiliated card, it is preferable that the lease card number further comprises card issuing agency information.

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

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

The storage medium 275 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 issuance information including at least one affiliated card information and at least one card attribute information, wherein the affiliated card issuance information stored in the storage medium 275 is leased by the card issuing agency. It is used to provide affiliate card related services through.

According to another exemplary embodiment of the present invention, the storage medium 275 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 275 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 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 200 (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 200 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 200 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 200 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 200 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 200 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 200 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 100, the interface unit 200 connects a communication channel with the client terminal based on the CDMA protocol, the communication program Provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in.

Referring to FIG. 2, the affiliate server 100 is connected with the interface unit 200 when a predetermined card registration terminal is connected to the affiliate server 100 through the interface unit 200. An interface providing unit 205 (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 210 (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 200, and the reception unit; Validation authentication unit 215 (or validity to check the validity of issuing the affiliate card to the customer based on the registered card registration application information) A card number allocating unit (225) for allocating a predetermined lease card number among at least one lease card number provided in the lease card number D / B 270 as an affiliate card number for the registered affiliate card; (Or card number assignment means), card information generation unit 230 (or information generation means) for generating predetermined association card information including the association card number, and the card issuance association in correspondence with the association card. Usage card setting unit (235) (or usage setting means) for setting the use amount and the approval target for each limit for the amount used by the institution, and the affiliated card information through a predetermined card registration device The card issuing unit 245 (card issuing means) for issuing a predetermined alliance card, including; and the predetermined affiliation card issuance information corresponding to the alliance card issued to the customer. And an information storage unit 240 (or information storage means) for storing in the medium 275.

In addition, the affiliate server 100 after the predetermined partnership card is issued through the card issuing unit 245, the predetermined through the communication means (for example, a dedicated communication network, or a secure communication network based on encrypted communication) The card company server 110 provided in the card issuing organization is characterized in that it comprises an information transmitting and receiving unit 220 for transmitting the customer information, card information, and card attribute information corresponding to the partnership card.

In addition, the information transmitting and receiving unit 220, when a predetermined cooperation card number is assigned by the card number assignment unit 225, the card company server 110 provided in the card issuer through the communication means to the card company The affiliate card number assigned by the number assignment unit 225 is transmitted, and a card verification value (or verification code) corresponding to the affiliate card number from the card company server 110 (eg, a CVV (Card Verification) of a visa card. Value), CVC (Card Validation Code) of the master card, CID (Confidential Identifier Number or Card Identification Number) of the American Express card, and the like, and the card verification value (or verification code) in the rental card number ), The function of transmitting and receiving the card verification value (or verification code) for the association card number may be omitted.

The interface providing unit 205, when a predetermined card registration terminal is connected to the affiliate server 100 through the interface unit 200, 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 the interface unit 200 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.

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 205 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 user interface generated (or extracted) to the employee terminal through the interface unit 200.

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 providing unit 205 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 200.

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 providing unit 205 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 200.

The information receiving unit 210 inputs (or selects) predetermined card registration request information through the user interface through the user interface at the card registration terminal, and registers the card in cooperation with the interface unit 200. Characterized by receiving the application information, and provides the received card registration application information to the validity authentication unit 215.

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

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

Further, the card attribute information for the affiliate card may be assigned to a credit card attribute, a check card attribute, a debit card attribute, a cash card attribute, or a prepaid card 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.

According to the embodiment of the present invention, the card registration application information may further comprise predetermined utilization application information including a predetermined utilization request amount, in which case the utilization setting unit 235 may It is possible to set the utilization amount for the affiliated card based on the utilization request amount included in the utilization application information, whereby the present invention is not limited.

The validity authentication unit 215 checks 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.

The card number allocating unit 225 stores the at least one lease card number based on the card registration application information received through the information receiving unit 210 from the lease card number D / B 270. Identify a predetermined lease card number to be assigned to and generate (or extract) a predetermined lease card number including the lease card number, and assign the lease card number to the affiliated card.

According to an embodiment of the present invention, when the lease card number D / B 270 is provided with a 16-digit lease card number, the card number allocator 225 reads a predetermined lease card number among the lease card numbers. It is preferable to extract by the affiliate card number.

According to another embodiment of the present invention, when the rental card number D / B 270 is provided with a rental card number including a 9-digit serial number of the 16-digit card number, the card number assignment unit 225 is It is preferable to generate a predetermined affiliate card number including a rental card number, a card issuing agency information number, a card type number, and a check digit corresponding to the nine-digit serial number.

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

According to the method of the present invention, when a predetermined cooperation card number is assigned by the card number assignment unit 225, the information transmitting and receiving unit 220 is a card company server provided in the card issuer through the communication means ( The card number assignment unit 225 transmits the affiliate card number assigned by the card number assignment unit 225, and a card verification value (or verification code) corresponding to the affiliate card number from the card company server 110 (eg, a visa card). It is preferable to receive the CVV (Card Verification Value), Master Card CVC (Card Validation Code), American Express Card CID (Confidential Identifier Number or Card Identification Number), and the card verification value in the rental card number (Or verification code) or when the card number assignment unit 225 is provided with the card verification value (or verification code) generation function, the information transmitting and receiving unit 220 is The ability to transmit and receive a card verification value for a holiday card number (or validation code) but may be omitted.

When the association card number is generated (or extracted) as described above, the card information generation unit 230 may generate predetermined association card information including the association card number.

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

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

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

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

When predetermined affiliated card information included in the affiliated card is generated by the card information generating unit 230, the utilization setting unit 235 sets a predetermined amount of money according to the utilization policy of the card issuing affiliated institution. Characterized in that the issuing affiliated institution is set to the usage amount that is assigned to the affiliated card.

Alternatively, the utilization setting unit 235 may determine the customer grade set by the card issuing affiliate institution or the loyalty of the customer to the card issuing affiliate institution based on the customer information included in the card registration application information. In consideration of the above, the predetermined amount is set as a usage amount that the card issuing affiliate institution gives to the affiliated card.

Alternatively, the utilization setting unit 235 checks the credit rating of the customer in association with at least one credit evaluation server (not shown) based on the customer information included in the card registration application information, and then corresponds to the credit rating. It is characterized in that the predetermined amount of money is set to the utilization amount that the card issuing affiliated organization gives to the affiliated card.

Alternatively, the utilization setting unit 235 checks the account balance of the customer in connection with at least one financial company server (not shown) based on the customer information included in the card registration application information, and then corresponds to the account balance. It is characterized by setting a certain amount of money to the utilization amount that the card issuing affiliated organization gives to the affiliated card.

Alternatively, the utilization setting unit 235 requests the credit limit amount information of the customer to the card company server 110 provided in the card issuing agency based on the customer information included in the card registration application information, Characterized in that a certain percentage of the amount corresponding to the credit limit amount to be confirmed is characterized in that the card issuance affiliated institutions to set the amount of the usage amount that the affiliated card.

Those skilled in the art to which the present invention pertains, in addition to the usage setting method described above, it is possible to infer various implementation methods in which the card issuing affiliate institution gives a predetermined usage amount to the affiliate card. The invention is characterized in that it comprises all the methods of inference.

According to the exemplary embodiment of the present invention, the utilization setting unit 235 sets approval target information for each limit including at least one or more affiliate store information (or affiliate store group information) to be paid and processed through the set utilization amount. And / or to set the approval target information for each limit including at least one one-time payment amount or daily / weekly / monthly payment amount to be processed through the set utilization amount, and / or the affiliate card is online. Limit to allow the payment amount to be processed through the utilization amount when the payment is made through the payment channel, or to process the payment amount through the utilization amount when the payment is processed through the offline payment channel. It is desirable to set the approval target information.

According to another exemplary embodiment of the present invention, the approval target information for each limit may include information for first subtracting the payment amount through the affiliate card from the usage amount regardless of the payment condition corresponding to the affiliate card. It is possible, and the invention is not limited thereby.

When predetermined affiliated card information included in the affiliated card is generated by the card information generator 230, the card issuing unit 245 generates an affiliated card including the affiliated card information through a predetermined card registration device. And (or having the affiliate card information included in the affiliate card), the affiliate card is provided (or delivered) to the customer.

If the affiliate card is an MS (Magnetic Stripe) card, the card registration device records the affiliate card information on at least one MS track (eg, track I, track II, track III) included in the affiliate card. In this case, the card information generation unit 230 generates an association card information in a data structure recordable in at least one or more MS tracks, and the card issuing unit 245 cooperates with the card registration device. By recording card information in at least one or more MS tracks, a predetermined affiliate card to be issued to the customer is issued.

Alternatively, if the affiliated card is an IC (Integrated Circuit) card, the card registration device comprises a device for recording the affiliated card information in a memory provided in the IC chip of the affiliated card, wherein the card information generation The unit 230 generates the affiliate card information in a file structure operable through a COS (Chip Operating System) provided in the IC chip, and the card issuing unit 245 generates the affiliate card information through the card registration device. Is recorded in the memory of the IC chip, and a predetermined partnership card to be issued to the customer is issued.

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

Thereafter, the information storage unit 240 includes customer information included in the card registration application information received from the customer through the information receiving unit 210, the generated affiliate card information, card attribute information for the affiliate card, and the like. And storing the affiliated card issuing information including at least one usage amount information of the affiliated card and at least one approval target information for each of the affiliated cards in the storage medium 275.

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.

In addition, the utilization amount information for the affiliated card is preferably made to include a predetermined amount of the limit given to the affiliated card by the card issuing affiliated institution, and then a part (or all) of the utilization amount is the card. It is preferable to deposit in the form of a customer allowance from the issuing affiliate institution to the card issuer.

According to an exemplary embodiment of the present invention, the approval target information for each limit includes at least one merchant information (or merchant group information), payment amount information, online / offline payment channel information, etc. to be paid and processed through the utilization amount. It is preferable to comprise at least one or more.

According to another exemplary embodiment of the present invention, the approval target information for each limit may include information for first subtracting the payment amount through the affiliate card from the usage amount regardless of the payment condition corresponding to the affiliate card. It is possible, and the invention is not limited thereby.

Referring to FIG. 2, the card company server 110 of the card issuing organization connected to the affiliate server 100 through a predetermined communication means receives a predetermined affiliate card number from the affiliate server 100 through the communication means. An information transmitting / receiving unit 250 (or an information receiving unit) that receives (or receives a card verification value (or verification code) request information) and the predetermined information from the affiliate server 100 through the information transmitting / receiving unit 250. When receiving an affiliate card number (or when a card verification value (or verification code) is requested), the verification information generation unit 255 for generating a predetermined card verification value (or verification code) corresponding to the affiliate card number. Characterized in that it comprises a, wherein the information transmitting and receiving unit 250 (or information transmitting means) is characterized in that for transmitting the card verification value (or verification code) corresponding to the affiliate card number to the affiliate server 100 It shall be.

If the person of ordinary skill in the art belongs to the verification information, the verification information generation unit 255 is a 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.

Referring to FIG. 2, the card company server 110 of the card issuing organization connected with the affiliate server 100 through a predetermined communication means, the issued affiliate card from the affiliate server 100 through the communication means. An information transmitting / receiving unit 250 (or information receiving means) for receiving affiliate card issuance information including at least one of customer information corresponding to the at least one affiliate card information and card attribute information corresponding to the affiliate card, and the received customer. An information storage unit 260 for storing affiliated card operation information obtained by linking information, affiliated card information, and card attribute information with affiliated agency information corresponding to the card issuing affiliated institution in a predetermined card information D / B 280; It is characterized by comprising.

Referring to FIG. 2, the card company server 110 of the card issuing agency connected to the affiliate server 100 through a predetermined communication means may limit the predetermined card limit amount and the card limit amount for the affiliate card. The card limit setting unit 265 (or card limit setting means) for setting an approval target for each card, and the card limit amount information and the approval target information for each limit on the card limit amount in the partnership card operation information. The information storage unit 260 (or information storage means) stored in the information D / B (280), and the limit of approval information for the card limit amount information and the limit value of the card limit amount through the communication means through the affiliate server Characterized in that it comprises an information transmitting and receiving unit 250 (or information transmission means) for transmitting to (100).

If the affiliated card includes a credit card attribute, the card limit setting unit 265 checks the credit level of the customer who is issued the affiliate card, and then sets a predetermined credit limit amount corresponding to the credit limit of the card. It characterized in that it is set to.

Alternatively, when the affiliated card includes a check card / debit card attribute, the card limit setting unit 265 checks a customer account associated with the affiliated card and sets the customer account balance as the card limit amount. It is characterized by.

According to the exemplary embodiment of the present invention, the card limit setting unit 265 may set approval target information for each limit including at least one or more affiliate store information (or affiliate store group information) to be processed for payment through the set credit limit amount. And / or to set a limit authorization information including at least one one-time payment amount or a daily / weekly / monthly payment amount to be processed through the set credit limit amount, and / or the affiliate card is online. Limit to allow payment through the card limit amount if the payment is made through the payment channel or to pay through the card limit amount if the payment is made through the offline payment channel. It is desirable to set the approval target information.

According to another exemplary embodiment of the present invention, the approval target information for each limit may be set to first subtract the payment amount through the affiliate card from the card limit amount, regardless of the payment condition corresponding to the affiliate card, or the affiliate server ( It is possible to include information to first subtract from the usage amount registered in 100), thereby the present invention is not limited.

Thereafter, the affiliated card operation information stored in the card information D / B 280 is used by the card issuer to provide a payment service or various additional services in association with at least one affiliated store.

According to an embodiment of the present invention, the card information D / B 280 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 280 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 280 is an online payment system, and / or a WAP-based wireless payment system, and / or an IC chip provided in (or associated with) the card issuer. It is possible to be provided in the DBMS on at least one or more of the base wireless payment system, and / or the tele payment system, whereby the present invention is not limited.

According to another embodiment of the present invention, the card information D / B 280 is an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided (or associated with) the card issuing institution. It is possible to be provided in the DBMS on at least one banking system of, and / or a TV banking system, whereby the present invention is not limited.

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

In more detail, in FIG. 3, in the card registration system shown in FIG. 2, 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 shows a process of issuing a predetermined affiliate card through the card number rental to the customer based on the card registration application information, specifically, a rental card number D / B (270) for storing the rental card number; ) Illustrates an implementation method provided in the card issuing affiliated institution.

Those skilled in the art to which the present invention pertains can deduce various implementation methods for issuing the alliance card for 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 produced and provided (or delivered) to the customer, and then the affiliated card issuance information is stored in the storage medium 275. The process of storing the predetermined affiliate card issuance information in the storage medium 275 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. 3, the card registration terminal illustrated in FIG. 2 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, in order to issue the affiliated card for issuing the affiliated card through leasing the card number, the customer is prescribed through a face-to-face card registration interface (eg, the card registration application and the employee terminal and network means). When a card registration application (for example, a document having a form for filling in at least one information item for issuance of an affiliate card through lease of the card number) is completed and submitted to an affiliated employee, the terminal is connected by the affiliated employee. The card registration application information corresponding to the card registration application prepared by the customer is input (or selected) through a predetermined user interface (300), and the card registration application information is transmitted to the server through the network means (305). .

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

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

Further, the card attribute information for the affiliate card may be assigned to a credit card attribute, a check card attribute, a debit card attribute, a cash card attribute, or a prepaid card 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.

Thereafter, the server receives and reads the card registration request information from the terminal through the network means and issues the affiliated card through leasing the card number to the customer based on the customer information included in the card registration request information. Check the card registration validity for issuing the affiliate card (310).

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

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

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

If the validity to issue the affiliate card to the customer is not authenticated through the card registration application information (315), the server provides card registration error information to the customer through the card registration interface (320). 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 (315), the server stores at least one rental card number based on the card registration application information lease card number The rental card number to be assigned to the affiliate card is extracted from the D / B 270 and assigned to the affiliate card number (325).

Thereafter, the server transmits the affiliate card number to the card company server 110 that has leased the lease card number through the communication means, and then a verification value (or verification code) corresponding to the affiliate card number to the card company server 110. Request a card verification value (or verification code) corresponding to the affiliate card number from the card company server 110 in response thereto (330), and the affiliate card number and card verification value (or verification code). Predetermined affiliate card information is generated (step 335).

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

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

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

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

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

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

Thereafter, the server sets usage amount information including a predetermined limit amount assigned to the affiliate card by the card issuing affiliate institution and approval target information for each limit on the utilization amount (340).

According to the implementation method of the present invention, the server preferably sets a certain amount of money to be used by the card issuing affiliate to the affiliated card according to the utilization policy of the card issuing affiliate.

Alternatively, the server may set the predetermined amount in consideration of the customer grade set by the card issuing affiliate institution or the loyalty of the customer to the card issuing affiliate institution based on the customer information included in the card registration application information. It is preferable that the card issuance affiliated institution set the usage amount to be assigned to the affiliated card.

Alternatively, the server checks the credit rating of the customer in connection with at least one credit rating server (not shown) based on the customer information included in the card registration application information, and then, the server determines a predetermined amount of money corresponding to the credit rating. It is preferable that the card issuance affiliated institution set the usage amount to be assigned to the affiliated card.

Alternatively, the server checks the account balance of the customer in connection with at least one financial company server (not shown) based on the customer information included in the card registration application information, and then sets a predetermined amount of money corresponding to the account balance. It is preferable that the card issuance affiliated institution set the usage amount to be assigned to the affiliated card.

Or, the server requests the credit limit amount information of the customer to the card company server 110 provided in the card issuing agency based on the customer information included in the card registration application information, and the credit limit amount to be confirmed It is preferable to set the corresponding fixed amount of money to the utilization amount that the card issuing affiliate institution gives to the affiliate card.

Those skilled in the art to which the present invention pertains, in addition to the usage setting method described above, it is possible to infer various implementation methods in which the card issuing affiliate institution gives a predetermined usage amount to the affiliate card. It is preferable that the invention includes all the methods of inferring the above.

According to an exemplary embodiment of the present invention, the server sets approval target information for each limit including at least one or more affiliate store information (or affiliate store group information) to be processed for payment through the set utilization amount, and / or the set Set per-approval authorization information that includes at least one one-time payment amount, or at least one daily / weekly / monthly payment amount through a usage amount; and / or the affiliate card processes payment through an online payment channel. Set the approval target information for each limit to allow the payment amount to be processed through the utilization amount or to process the payment amount through the utilization amount when the payment is processed through the offline payment channel. It is desirable to.

According to another exemplary embodiment of the present invention, the approval target information for each limit may include information for first subtracting the payment amount through the affiliate card from the usage amount regardless of the payment condition corresponding to the affiliate card. It is possible, and the invention is not limited thereby.

If the utilization amount information for the affiliated card and the approval target information for the limit for the used amount are set (345), the server provides a predetermined affiliated card with the affiliated card information through a predetermined card registration device. Produce (or deliver) to the customer to produce (350).

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 275 (355).

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 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.

In addition, the utilization amount information for the affiliated card is preferably made to include a predetermined amount of the limit given to the affiliated card by the card issuing affiliated institution, and then a part (or all) of the utilization amount is the card. It is preferable to deposit in the form of a customer allowance from the issuing affiliate institution to the card issuer.

According to an exemplary embodiment of the present invention, the approval target information for each limit includes at least one merchant information (or merchant group information), payment amount information, online / offline payment channel information, etc. to be paid and processed through the utilization amount. It is preferable to comprise at least one or more.

According to another exemplary embodiment of the present invention, the approval target information for each limit may include information for first subtracting the payment amount through the affiliate card from the usage amount regardless of the payment condition corresponding to the affiliate card. It is possible, and the invention is not limited thereby.

Thereafter, the server issues the at least one affiliate card including at least one of customer information corresponding to the affiliate card, card information, and card attribute information to the card company server 110 through the communication means. In step 360, the card company server 110 stores the affiliate card operation information further including the card issuing affiliate information in the affiliate card issuing information in a predetermined card information D / B 280 ( 365).

In addition, the card company server 110 sets predetermined credit limit amount information for the affiliated card and approval target information for each limit on the card limit amount (370).

According to an embodiment of the present invention, when the affiliate card includes a credit card attribute, the card company server 110 checks the credit rating of the customer who is issued the affiliate card, and then predetermined credit limit corresponding to the customer credit rating. It is preferable to set the amount of money to the card limit amount of money.

According to another embodiment of the present invention, when the affiliate card includes a check card / debit card attribute, the card company server 110 checks the customer account associated with the affiliate card, and stores the customer account balance on the card. It is preferable to set the limit amount.

In addition, the card company server 110 sets the permissible information for each limit including at least one or more merchant information (or merchant group information) to be settled through the set credit limit amount, and / or the set credit limit. Setting a per-approval target information that includes at least one payment amount or at least one daily / weekly / monthly payment amount to be paid through the amount, and / or when the affiliate card is processed through the online payment channel. It is recommended to set the subject-specific authorization information to allow the payment amount to be processed through the card limit amount or to process the payment amount through the card limit amount when the payment amount is processed through the offline payment channel. desirable.

According to another exemplary embodiment of the present invention, the card company server 110 allows the approval target information for each limit to be first subtracted from the card limit amount of the payment amount through the affiliate card regardless of the payment condition corresponding to the affiliate card. Or, it may be made to include information to first subtract from the usage amount registered in the affiliate server 100, whereby the present invention is not limited.

If the predetermined card limit amount information for the affiliated card and the authorization target information for each limit on the card limit amount are set (375), the card company server 110 may determine the card limit amount information and the card limit amount. The authorization target information for each limit is included in the cooperation card operation information and stored in the card information D / B 280 (380).

According to an embodiment of the present invention, the card information D / B 280 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 280 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 280 is an online payment system, and / or a WAP-based wireless payment system, and / or an IC chip provided in (or associated with) the card issuer. It is possible to be provided in the DBMS on at least one or more of the base wireless payment system, and / or the tele payment system, whereby the present invention is not limited.

According to another embodiment of the present invention, the card information D / B 280 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 110 transmits the set card limit amount information and the authorization target information for each limit on the card limit amount to the server through the communication means (385). The affiliated card issuance information stored in the medium 275 further includes the card limit amount information and the authorization target information for each limit on the card limit amount (390).

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

In more detail, FIG. 4 shows a non-face-to-face card registration interface (e.g., client terminal and network means including at least one of a wired terminal and / or a wireless terminal) in a card registration system shown in FIG. When accessing the affiliate server 100 through the input (or select) the predetermined card registration application information and transmits, the affiliate server 100 leases the card number to the customer based on the card registration application information As a process of issuing a predetermined cooperation card through the above, specifically, it illustrates a method of implementing a lease card number D / B 270 for storing the lease card number in the card issuing affiliated institution.

Those skilled in the art to which the present invention pertains can deduce various implementation methods for issuing the alliance card for issuance of the alliance card through the lease of the card number by referring to and / or modifying the drawing 4. However, the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

For example, FIG. 4 illustrates that the affiliated card is produced and provided (or delivered) to the customer, and then the affiliated card issuance information is stored in the storage medium 275. The process of storing the predetermined affiliate card issuance information in the storage medium 275 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. 4, the card registration terminal shown in FIG. 2 is referred to as a "terminal" for convenience, and the affiliate server 100 is referred to as a "server" for convenience.

Referring to FIG. 4, the customer connects the communication channel for card registration application by accessing the server through a predetermined terminal, and the affiliate card for issuing an affiliate card through leasing the card number through the communication channel. The application is issued (400), 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 (405).

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 (410).

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

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

Further, the card attribute information for the affiliate card may be assigned to a credit card attribute, a check card attribute, a debit card attribute, a cash card attribute, or a prepaid card 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.

Thereafter, the server receives and reads the card registration request information from the terminal through the network means and issues the affiliated card through leasing the card number to the customer based on the customer information included in the card registration request information. The card registration validity for issuing the affiliate card is checked (415).

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

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

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

If the validity to issue the affiliate card to the customer is not authenticated through the card registration application information (420), the server provides card registration error information to the customer through the card registration interface (425). Stop issuing the affiliate card to the customer.

On the other hand, if the validity to issue the affiliate card to the customer through the card registration application information is authenticated (420), the server stores at least one rental card number based on the card registration application information lease card number The rental card number to be allocated to the affiliate card is extracted from the D / B 270 and assigned to the affiliate card number (430).

Thereafter, the server transmits the affiliate card number to the card company server 110 that has leased the lease card number through the communication means, and then a verification value (or verification code) corresponding to the affiliate card number to the card company server 110. Request a card verification value (or verification code) corresponding to the affiliate card number from the card company server 110 (435), and the affiliate card number and card verification value (or verification code). Generates a predetermined affiliate card information including (440).

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

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

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

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

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

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

Thereafter, the server sets usage amount information including a predetermined limit amount assigned to the affiliate card by the card issuing affiliate institution and approval target information for each limit on the usage amount (445).

According to the implementation method of the present invention, the server preferably sets a certain amount of money to be used by the card issuing affiliate to the affiliated card according to the utilization policy of the card issuing affiliate.

Alternatively, the server may set the predetermined amount in consideration of the customer grade set by the card issuing affiliate institution or the loyalty of the customer to the card issuing affiliate institution based on the customer information included in the card registration application information. It is preferable that the card issuance affiliated institution set the usage amount to be assigned to the affiliated card.

Alternatively, the server checks the credit rating of the customer in connection with at least one credit rating server (not shown) based on the customer information included in the card registration application information, and then, the server determines a predetermined amount of money corresponding to the credit rating. It is preferable that the card issuance affiliated institution set the usage amount to be assigned to the affiliated card.

Alternatively, the server checks the account balance of the customer in connection with at least one financial company server (not shown) based on the customer information included in the card registration application information, and then sets a predetermined amount of money corresponding to the account balance. It is preferable that the card issuance affiliated institution set the usage amount to be assigned to the affiliated card.

Or, the server requests the credit limit amount information of the customer to the card company server 110 provided in the card issuing agency based on the customer information included in the card registration application information, and the credit limit amount to be confirmed It is preferable to set the corresponding fixed amount of money to the utilization amount that the card issuing affiliate institution gives to the affiliate card.

Those skilled in the art to which the present invention pertains, in addition to the above-described usage setting method, it is possible to infer various implementation methods in which the card issuing affiliate institution gives a predetermined usage amount to the affiliate card. It is preferable that the invention includes all the methods of inferring the above.

According to an exemplary embodiment of the present invention, the server sets approval target information for each limit including at least one or more affiliate store information (or affiliate store group information) to be processed for payment through the set utilization amount, and / or the set Set per-approval authorization information that includes at least one one-time payment amount, or at least one daily / weekly / monthly payment amount through a usage amount; and / or the affiliate card processes payment through an online payment channel. Set the approval target information for each limit to allow the payment amount to be processed through the utilization amount or to process the payment amount through the utilization amount when the payment is processed through the offline payment channel. It is desirable to.

According to another exemplary embodiment of the present invention, the approval target information for each limit may include information for first subtracting the payment amount through the affiliate card from the usage amount regardless of the payment condition corresponding to the affiliate card. It is possible, and the invention is not limited thereby.

If the utilization amount information for the affiliate card and the approval target information for each limit on the utilization amount are set (450), the server provides a predetermined affiliate card with the affiliate card information through a predetermined card registration device. Produce (or deliver) to the customer to produce (455).

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 275 (460).

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 100 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 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.

In addition, the utilization amount information for the affiliated card is preferably made to include a predetermined amount of the limit given to the affiliated card by the card issuing affiliated institution, and then a part (or all) of the utilization amount is the card. It is preferable to deposit in the form of a customer allowance from the issuing affiliate institution to the card issuer.

According to an exemplary embodiment of the present invention, the approval target information for each limit includes at least one merchant information (or merchant group information), payment amount information, online / offline payment channel information, etc. to be paid and processed through the utilization amount. It is preferable to comprise at least one or more.

According to another exemplary embodiment of the present invention, the approval target information for each limit may include information for first subtracting the payment amount through the affiliate card from the usage amount regardless of the payment condition corresponding to the affiliate card. It is possible, and the invention is not limited thereby.

Thereafter, the server issues the at least one affiliate card including at least one of customer information corresponding to the affiliate card, card information, and card attribute information to the card company server 110 through the communication means. In operation 465, the card company server 110 stores the affiliate card operation information further including the card issuing affiliate information in the affiliate card issuing information in a predetermined card information D / B 280 ( 470).

In addition, the card company server 110 sets predetermined card limit amount information for the affiliated card and approval target information for each limit on the card limit amount (475).

According to an embodiment of the present invention, when the affiliate card includes a credit card attribute, the card company server 110 checks the credit rating of the customer who is issued the affiliate card, and then predetermined credit limit corresponding to the customer credit rating. It is preferable to set the amount of money to the card limit amount of money.

According to another embodiment of the present invention, when the affiliate card includes a check card / debit card attribute, the card company server 110 checks the customer account associated with the affiliate card, and stores the customer account balance on the card. It is preferable to set the limit amount.

In addition, the card company server 110 sets the permissible information for each limit including at least one or more merchant information (or merchant group information) to be settled through the set credit limit amount, and / or the set credit limit. Setting a per-approval target information that includes at least one payment amount per day or at least one daily / weekly / monthly payment amount, and / or when the affiliate card is processed through an online payment channel. It is recommended to set the subject-specific authorization information to allow the payment amount to be processed through the card limit amount or to process the payment amount through the card limit amount when the payment amount is processed through the offline payment channel. desirable.

According to another exemplary embodiment of the present invention, the card company server 110 allows the approval target information for each limit to be first subtracted from the card limit amount of the payment amount through the affiliate card regardless of the payment condition corresponding to the affiliate card. Or, it may be made to include information to first subtract from the usage amount registered in the affiliate server 100, whereby the present invention is not limited.

If the predetermined card limit amount information for the affiliated card and the approval target information for each limit on the card limit amount are set (480), the card company server 110 checks the card limit amount information and the card limit amount. The authorization target information for each limit is included in the affiliated card operation information and stored in the card information D / B 280 (485).

According to an embodiment of the present invention, the card information D / B 280 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 280 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 280 is an online payment system, and / or a WAP-based wireless payment system, and / or an IC chip provided in (or associated with) the card issuer. It is possible to be provided in the DBMS on at least one or more of the base wireless payment system, and / or the tele payment system, whereby the present invention is not limited.

According to another embodiment of the present invention, the card information D / B 280 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 110 transmits the set card limit amount information and the authorization target information for each limit on the card limit amount to the server through the communication means (490). The affiliated card issuance information stored in the medium 275 further includes the card limit amount information and the authorization target information for each limit on the card limit amount (495).

FIG. 5 is a diagram illustrating a card registration system for issuing an affiliate card in MS / IC form by bundling card numbers according to another embodiment of the present invention.

In more detail, Fig. 5 shows that when a given customer provides card registration application information for issuing an affiliate card through leasing a predetermined number of cards to a card issuing affiliate through a predetermined card registration interface, the card issuing affiliated agency will be informed. It is a system configuration for issuing an affiliate card in the form of a predetermined MS (Magnetic Stripe) card or IC (Integrated Circuit) card to the customer based on the provided card registration application information, specifically, a rental card for storing the rental card number A number D / B 570 shows an implementation method provided in the card issuing engine.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 5 to infer various implementation methods for configuring a card registration system for issuing an affiliated card through leasing the card number. However, the present invention includes all the implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

Hereinafter, at least one means and / or function of issuing a predetermined affiliate card to the customer based on the card registration application information provided from the customer through a predetermined card registration interface on the card registration system shown in FIG. 5. Components corresponding to the configuration are referred to as "affiliate server 100" for convenience, and the card issuing affiliated institution provided with the affiliate server 100 may be a mobile communication company, various wireless communication companies, or various wired communication companies affiliated with the card issuing institution. , At least one portal operator or the like is preferable.

Referring to FIG. 5 according to an embodiment of the present invention, a card registration system for issuing an affiliated card through leasing the card number is an employee terminal used by an affiliated employee provided in at least one card issuer (or financial institution). And / or a client terminal including at least one wired terminal and / or a wireless terminal used by the customer when the card registration system supports a non-face-to-face card registration application. Characterized in that the employee terminal and / or client terminal is connected to the communication channel and the affiliate server 100 provided in the card issuing affiliate institution through a predetermined network means.

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

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

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

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

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

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

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

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

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

According to another embodiment of the present invention, when the card registration system supports a non-face-to-face card registration application, the card registration terminal, 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 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.

According to an embodiment of the present invention, the rental card number D / B 570 provided to the card issuing organization is leased so that the card issuing institution is allocated to at least one or more affiliate cards registered through the card issuing affiliate institution. It is preferable to include at least one card number, it is preferable that the card issuance further comprises the card issuing affiliated information to lease the lease card number.

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

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

The storage medium 575 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 issuance information including at least one affiliated card information and card attribute information, wherein the affiliated card issuance information stored in the storage medium 575 is the card number leasing agency. It is used to provide affiliate card related services through.

According to another exemplary embodiment of the present invention, the storage medium 575 is connected to a predetermined DBMS interoperating with a server (or device) that performs a predetermined information processing function using the affiliated card issuing information at the card issuing affiliated institution. It is preferred that the storage medium 575 is provided at this time may be variously performed according to the intention of the skilled person, 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 500 (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 500 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 500 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 a browser program corresponding to a Hyper-Text Transfer Protocol (HTTP) protocol is provided in the client terminal, the interface unit 500 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 500 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 500 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 500 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 100, the interface unit 500 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. 5, the affiliate server 100 is connected with the interface unit 500 when a predetermined card registration terminal is connected to the affiliate server 100 through the interface unit 500. An interface providing unit 505 (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 510 (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 500; A validity authentication unit 515 (or validity check) for checking the validity of issuing the affiliate card to the customer based on the registered card registration application information. Increase means) and access the lease card number D / B 570 provided to the card issuing organization through the communication means to obtain a predetermined lease card number among at least one or more lease card numbers to the registered affiliated card. A card number assignment unit 525 (or card number assignment means) assigned to a predetermined affiliate card number, and a card information generator 530 for generating predetermined affiliate card information including the affiliate card number (or information). Generation means) and a usage setting unit 535 (or usage setting) for setting a usage amount assigned to the customer by the card issuing affiliated institution and an approval target for each limit on the usage amount corresponding to the affiliated card. Means), a card issuing unit 545 (card issuing means) for issuing a predetermined affiliate card including the affiliated card information through a predetermined card registration device, and to the customer. And an information storing unit 540 (or information storage medium) for storing a predetermined cooperation card issuing information to the storage media 575 corresponding to the affiliate geupdoen card characterized by comprising.

In addition, the affiliate server 100 after the predetermined partnership card is issued through the card issuing unit 545, the predetermined through the communication means (for example, a dedicated communication network, or a secure communication network based on encrypted communication) It is characterized in that the card company server 110 provided in the card issuing organization comprises an information transmitting and receiving unit 520 for transmitting customer information, card information, and card attribute information corresponding to the affiliated card.

In addition, the information transmitting and receiving unit 520 is a rental card number D / B (570) provided in the card issuing organization through the communication means in order to assign a predetermined cooperation card number by the card number assignment unit 525 ) Transmits predetermined card number request information to a DBMS (or DB server) managing the same, and receives a predetermined rental card number and provides the card number allocation unit 525 to the card number allocating unit 525 in response thereto. When the number assignment unit 525 has access to the DBMS (or DB server) managing the rental card number D / B 570 provided in the card issuing organization through the communication means, Transmission of the card number request information can be omitted, and the present invention is not limited thereby.

In addition, the information transmitting and receiving unit 520, when a predetermined cooperation card number is assigned by the card number assignment unit 525, the card to the card company server 110 provided in the card issuing organization through the communication means the card The affiliate card number assigned by the number assignment unit 525 is transmitted, and a card verification value (or verification code) corresponding to the affiliate card number is transmitted from the card company server 110 (for example, a CVV (Card Verification) of a visa card. Value), CVC (Card Validation Code) of the master card, CID (Confidential Identifier Number or Card Identification Number) of the American Express card, and the like, and the card verification value (or verification code) in the rental card number ), The function of transmitting and receiving the card verification value (or verification code) for the association card number may be omitted.

The interface providing unit 505 provides the card registration request information in response to a function configuration provided in the card registration terminal when a predetermined card registration terminal is connected to the affiliate server 100 through the interface unit 500. Generate a predetermined user interface which can be input (or selected) and transmitted to the affiliate server 100 via the network means, and / or extracted from a predetermined database (not shown), and the interface unit 500 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.

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 505 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 user interface generated (or extracted) through the interface unit 500 to 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 providing unit 505 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 500.

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 505 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 500.

The information receiving unit 510 inputs (or selects) predetermined card registration application information through the user interface through the user interface in the card registration terminal, and registers the card in cooperation with the interface unit 500. Characterized in that it receives the application information, and provides the received card registration application information to the validity authentication unit (515).

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

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

Further, the card attribute information for the affiliate card may be assigned to a credit card attribute, a check card attribute, a debit card attribute, a cash card attribute, or a prepaid card 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.

According to the exemplary embodiment of the present invention, the card registration application information may further include predetermined utilization application information including a predetermined utilization request amount. In this case, the utilization setting unit 535 may be configured as described above. It is possible to set the utilization amount for the affiliated card based on the utilization request amount included in the utilization application information, whereby the present invention is not limited.

The validity authentication unit 515 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 alliance card includes a check card / debit card attribute, the validity check for issuing the alliance card to the customer is based on the customer information. It is preferable that the customer account linked to the debit card is linked to a financial institution server (not shown) that is opened to check whether the customer account is opened and normally operated.

The card number assignment unit 525 is connected to the DBMS (or DB server) provided in the card issuing organization based on the card registration application information through the communication means. And identifying (or receiving) a predetermined lease card number to be assigned to the affiliated card, generating (or extracting) a predetermined affiliate card number including the lease card number, and assigning it to the affiliated card.

According to an embodiment of the present invention, when the lease card number D / B 570 is provided with a 16-digit lease card number, the card number allocator 525 reads a predetermined lease card number among the lease card numbers. It is preferable to extract by the affiliate card number.

According to another embodiment of the present invention, when the rental card number D / B 570 is provided with a rental card number including a 9-digit serial number of the 16-digit card number, the card number assignment unit 525 is It is preferable to generate a predetermined affiliate card number including a rental card number, a card issuing agency information number, a card type number, and a check digit corresponding to the nine-digit serial number.

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

According to an embodiment of the present invention, when a predetermined cooperation card number is assigned by the card number assignment unit 525, the information transmission / reception unit 520 may be provided with a card company server provided in the card issuer through the communication means. The card number assignment unit 525 transmits the affiliate card number assigned by the card number assignment unit 525, and a card verification value (or verification code) corresponding to the affiliate card number from the card company server 110 (eg, a visa card). It is preferable to receive the CVV (Card Verification Value), Master Card CVC (Card Validation Code), American Express Card CID (Confidential Identifier Number or Card Identification Number), and the card verification value in the rental card number (Or verification code) or when the card number assignment unit 525 is provided with the card verification value (or verification code) generation function, the information transmitting and receiving unit 520 The ability to transmit and receive a card verification value for a holiday card number (or validation code) but may be omitted.

When the association card number is generated (or extracted) as described above, the card information generation unit 530 may generate predetermined association card information including the association card number.

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

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

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

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

When predetermined affiliated card information included in the affiliated card is generated by the card information generating unit 530, the utilization setting unit 535 sets a predetermined amount according to the utilization policy of the card issuing affiliated institution. Characterized in that the card issuing affiliated institutions to set the amount of credits given to the affiliated card.

Alternatively, the utilization setting unit 535 may determine the customer grade set by the card issuing affiliate institution or the loyalty of the customer with the card issuing affiliate institution based on the customer information included in the card registration application information. In consideration of the above, the predetermined amount is set as a usage amount which the card issuing affiliate institution gives to the affiliate card.

Alternatively, the utilization setting unit 535 confirms the credit rating of the customer in association with at least one credit evaluation server (not shown) based on the customer information included in the card registration application information, and then corresponds to the credit rating. It is characterized in that the predetermined amount of money is set to the utilization amount that the card issuing affiliated organization gives to the affiliated card.

Alternatively, the utilization setting unit 535 checks the account balance of the customer in association with at least one financial company server (not shown) based on the customer information included in the card registration application information, and then corresponds to the account balance. It is characterized in that the predetermined amount of money to be set to the usage amount that the card issuing affiliated institution gives to the affiliated card.

Alternatively, the utilization setting unit 535 requests the credit limit amount information of the customer from the card company server 110 provided in the card issuing agency based on the customer information included in the card registration application information. Characterized in that a certain percentage of the amount corresponding to the credit limit amount to be confirmed is characterized in that the card issuance affiliated institutions to set the amount of the usage amount that the affiliated card.

Those skilled in the art to which the present invention pertains, in addition to the usage setting method described above, it is possible to infer various implementation methods in which the card issuing affiliate institution gives a predetermined usage amount to the affiliate card. The invention is characterized in that it comprises all the methods of inference.

According to the embodiment of the present invention, the utilization setting unit 535 sets the target information for each limit including at least one or more affiliate store information (or affiliate store group information) to be paid and processed through the set utilization amount. And / or to set the per-approval target information including at least one or more one-time payment amount or daily / weekly / monthly payment amount to be processed through the set utilization amount, and / or the affiliate card is online. Limit to allow the payment amount to be processed through the utilization amount when the payment is made through the payment channel, or to process the payment amount through the utilization amount when the payment is processed through the offline payment channel. It is desirable to set the approval target information.

According to another exemplary embodiment of the present invention, the approval target information for each limit may include information for first subtracting the payment amount through the affiliate card from the usage amount regardless of the payment condition corresponding to the affiliate card. It is possible, and the invention is not limited thereby.

When predetermined affiliated card information included in the affiliated card is generated by the card information generator 530, the card issuing unit 545 generates an affiliated card including the affiliated card information through a predetermined card registration device. And (or having the affiliate card information included in the affiliate card), the affiliate card is provided (or delivered) to the customer.

If the affiliate card is an MS (Magnetic Stripe) card, the card registration device records the affiliate card information on at least one MS track (eg, track I, track II, track III) included in the affiliate card. In this case, the card information generation unit 530 generates an association card information in a data structure recordable in at least one or more MS tracks, and the card issuing unit 545 cooperates with the card registration device. By recording card information on at least one or more MS tracks, a predetermined affiliate card to be issued to the customer is issued.

Alternatively, if the affiliated card is an IC (Integrated Circuit) card, the card registration device comprises a device for recording the affiliated card information in a memory provided in the IC chip of the affiliated card, wherein the card information generation The unit 530 generates the affiliate card information in a file structure operable through a COS (Chip Operating System) provided in the IC chip, and the card issuing unit 545 generates the affiliate card information through the card registration device. Is recorded in the memory of the IC chip, and a predetermined partnership card to be issued to the customer is issued.

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

Thereafter, the information storage unit 540 stores the customer information included in the card registration application information received from the customer through the information receiving unit 510, the generated affiliate card information, card attribute information for the affiliate card, Characterized in that the storage card 575 stores the affiliated card issuance information including at least one of the usage amount information and the limit-specific approval target information for the affiliated card.

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 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.

In addition, the utilization amount information for the affiliated card is preferably made to include a predetermined amount of the limit given to the affiliated card by the card issuing affiliated institution, and then a part (or all) of the utilization amount is the card. It is preferable to deposit in the form of a customer allowance from the issuing affiliate institution to the card issuer.

According to an exemplary embodiment of the present invention, the approval target information for each limit includes at least one merchant information (or merchant group information), payment amount information, online / offline payment channel information, etc. to be paid and processed through the utilization amount. It is preferable to comprise at least one or more.

According to another exemplary embodiment of the present invention, the approval target information for each limit may include information for first subtracting the payment amount through the affiliate card from the usage amount regardless of the payment condition corresponding to the affiliate card. It is possible, and the invention is not limited thereby.

Referring to FIG. 5, the card company server 110 of the card issuing organization connected to the affiliate server 100 through a predetermined communication means, the predetermined affiliate card number from the affiliate server 100 through the communication means. The information transmitting / receiving unit 550 (or the information receiving unit) that receives (or receives a card verification value (or verification code) request information) a predetermined value from the affiliate server 100 through the information transmitting / receiving unit 550. When receiving an affiliate card number (or a card verification value (or verification code) is requested), the verification information generation unit 555 for generating a predetermined card verification value (or verification code) corresponding to the affiliate card number. And the information transmitting / receiving unit 550 (or information transmitting means) transmits a card verification value (or verification code) corresponding to the affiliate card number to the affiliate server 100. Scoop Gong.

Those skilled in the art to which the present invention pertains, the verification information generation unit 555 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.

Referring to FIG. 5, the card company server 110 of the card issuing organization connected to the affiliate server 100 through a predetermined communication means is connected to the issued affiliate card from the affiliate server 100 through the communication means. An information transmitting / receiving unit 550 (or information receiving means) for receiving affiliate card issue information including at least one corresponding customer information, affiliate card information, and card attribute information corresponding to the affiliate card; An information storage unit 560 for storing, in the predetermined card information D / B 580, partnership card operation information obtained by linking information, affiliate card information and card attribute information with affiliated agency information corresponding to the card issuing affiliated institution. It is characterized by comprising.

Referring to FIG. 5, the card company server 110 of the card issuing organization, which is connected to the affiliate server 100 through a predetermined communication means, limits a predetermined card limit amount for the affiliate card and the card limit amount. The card limit setting unit 565 (or card limit setting means) for setting an approval target for each card, and the card limit amount information and the approval target information for the limit on the card limit amount in the partnership card operation information. An information storage unit 560 (or information storage means) stored in the information D / B 580, and information on the card limit amount information and the authorization target information for each limit on the card limit amount through the communication means are provided through the affiliate server. Characterized in that it comprises an information transmitting and receiving unit 550 (or information transmission means) for transmitting to (100).

If the affiliated card includes a credit card attribute, the card limit setting unit 565 checks the credit level of the customer who is issued the affiliate card, and then sets a predetermined credit limit amount corresponding to the customer credit level. It characterized in that it is set to.

Alternatively, when the affiliated card includes a check card / debit card attribute, the card limit setting unit 565 checks a customer account associated with the affiliated card and sets the customer account balance as the card limit amount. It is characterized by.

According to the exemplary embodiment of the present invention, the card limit setting unit 565 sets approval target information for each limit including at least one or more affiliate store information (or affiliate store group information) to be processed for payment through the set credit limit amount. And / or to set a limit authorization information including at least one one-time payment amount or a daily / weekly / monthly payment amount to be processed through the set credit limit amount, and / or the affiliate card is online. Limit to allow payment through the card limit amount if the payment is made through the payment channel or to pay through the card limit amount if the payment is made through the offline payment channel. It is desirable to set the approval target information.

According to another exemplary embodiment of the present invention, the approval target information for each limit may be set to first subtract the payment amount through the affiliate card from the card limit amount, regardless of the payment condition corresponding to the affiliate card, or the affiliate server ( It is possible to include information to first subtract from the usage amount registered in 100), whereby the present invention is not limited.

Thereafter, the affiliated card operation information stored in the card information D / B 580 is used by the card issuing institution to provide a payment service or various additional services in association with at least one affiliated store.

According to an embodiment of the present invention, the card information D / B 580 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 580 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 580 is an online payment system, and / or a WAP-based wireless payment system, and / or an IC chip provided in (or associated with) the card issuer. It is possible to be provided in the DBMS on at least one or more of the base wireless payment system, and / or the tele payment system, whereby the present invention is not limited.

According to another embodiment of the present invention, the card information D / B 580 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 or more banking system, and / or TV banking system, whereby the present invention is not limited.

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

In more detail, in FIG. 6, in the card registration system shown in FIG. 5, a predetermined customer creates a predetermined card registration application through a face-to-face card registration interface (for example, the card registration application, employee terminal, and network means). 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 shows a process of issuing a predetermined affiliate card through the card number rental to the customer based on the card registration application information, specifically, a rental card number D / B (270) for storing the rental card number; ) Shows an implementation method provided in the card issuing engine.

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

For example, FIG. 6 illustrates that the affiliate card is produced and provided (or delivered) to the customer, and then the affiliate card issuance information is stored in the storage medium 275. The process of storing the predetermined affiliate card issuance information in the storage medium 275 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. 6, the card registration terminal shown in FIG. 5 is referred to as a "terminal" for convenience, and the affiliate server 100 is referred to as a "server" for convenience.

Referring to FIG. 6, in order to issue the affiliated card for issuing the affiliated card through lease of the card number, the customer is prescribed through a face-to-face card registration interface (eg, the card registration application, employee terminal, and network means). When a card registration application (for example, a document having a form for filling in at least one information item for issuance of an affiliate card through lease of the card number) is completed and submitted to an affiliated employee, the terminal is connected by the affiliated employee. The card registration application information corresponding to the card registration application prepared by the customer is input (or selected) through a predetermined user interface (600), and the card registration application information is transmitted to the server through the network means (605). .

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

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

Further, the card attribute information for the affiliate card may be assigned to a credit card attribute, a check card attribute, a debit card attribute, a cash card attribute, or a prepaid card 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.

Thereafter, the server receives and reads the card registration request information from the terminal through the network means and issues the affiliated card through leasing the card number to the customer based on the customer information included in the card registration request information. The card registration validity for issuing the affiliate card is checked (610).

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

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

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

If the validity to issue the affiliate card to the customer is not authenticated through the card registration application information (615), the server provides card registration error information to the customer through the card registration interface (620). 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 (615), the server is provided to the card issuing organization based on the card registration application information through the communication means. The lease card number D / B 270 requests and receives a lease card number to be assigned to an affiliate card and assigns it to the affiliate card number (625).

Thereafter, the server transmits the affiliate card number to the card company server 110 that has leased the lease card number through the communication means, thereby verifying a verification value (or verification) corresponding to the affiliate card number to the card company server 110. Code), and correspondingly, a card verification value (or verification code) corresponding to the affiliate card number is received from the card company server 110 (630), and the affiliate card number and card verification value (or verification code). Generates a predetermined affiliate card information including a (635).

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

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

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

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

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 sets usage amount information including a predetermined limit amount assigned to the affiliate card by the card issuing affiliate institution and approval target information for each limit on the utilization amount (640).

According to the implementation method of the present invention, the server preferably sets a certain amount of money to be used by the card issuing affiliate to the affiliated card according to the utilization policy of the card issuing affiliate.

Alternatively, the server may set the predetermined amount in consideration of the customer grade set by the card issuing affiliate institution or the loyalty of the customer to the card issuing affiliate institution based on the customer information included in the card registration application information. It is preferable that the card issuance affiliated institution set the usage amount to be assigned to the affiliated card.

Alternatively, the server checks the credit rating of the customer in connection with at least one credit rating server (not shown) based on the customer information included in the card registration application information, and then, the server determines a predetermined amount of money corresponding to the credit rating. It is preferable that the card issuance affiliated institution set the usage amount to be assigned to the affiliated card.

Alternatively, the server checks the account balance of the customer in connection with at least one financial company server (not shown) based on the customer information included in the card registration application information, and then sets a predetermined amount of money corresponding to the account balance. It is preferable that the card issuance affiliated institution set the usage amount to be assigned to the affiliated card.

Or, the server requests the credit limit amount information of the customer to the card company server 110 provided in the card issuing agency based on the customer information included in the card registration application information, and the credit limit amount to be confirmed It is preferable to set the corresponding fixed amount of money to the utilization amount that the card issuing affiliate institution gives to the affiliate card.

Those skilled in the art to which the present invention pertains, in addition to the usage setting method described above, it is possible to infer various implementation methods in which the card issuing affiliate institution gives a predetermined usage amount to the affiliate card. It is preferable that the invention includes all the methods of inferring the above.

According to an exemplary embodiment of the present invention, the server sets approval target information for each limit including at least one or more affiliate store information (or affiliate store group information) to be processed for payment through the set utilization amount, and / or the set Set per-approval authorization information that includes at least one one-time payment amount, or at least one daily / weekly / monthly payment amount through a usage amount; and / or the affiliate card processes payment through an online payment channel. Set the approval target information for each limit to allow the payment amount to be processed through the utilization amount or to process the payment amount through the utilization amount when the payment is processed through the offline payment channel. It is desirable to.

According to another exemplary embodiment of the present invention, the approval target information for each limit may include information for first subtracting the payment amount through the affiliate card from the usage amount regardless of the payment condition corresponding to the affiliate card. It is possible, and the invention is not limited thereby.

If the utilization amount information for the affiliate card and the approval target information for each limit on the utilization amount are set (645), the server provides a predetermined affiliate card with the affiliate card information through a predetermined card registration device. Produce (or deliver) to the customer to produce (650).

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 275 (655).

Here, the customer information included in the affiliated card issuance information may include personal information (for example, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.) of the card registration customer, and the customer. 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 for the card attribute information, so a detailed description thereof will be omitted.

In addition, the utilization amount information for the affiliated card is preferably made to include a predetermined amount of the limit given to the affiliated card by the card issuing affiliated institution, and then a part (or all) of the utilization amount is the card. It is preferable to deposit in the form of a customer allowance from the issuing affiliate institution to the card issuer.

According to an exemplary embodiment of the present invention, the approval target information for each limit includes at least one merchant information (or merchant group information), payment amount information, online / offline payment channel information, etc. to be paid and processed through the utilization amount. It is preferable to comprise at least one or more.

According to another exemplary embodiment of the present invention, the approval target information for each limit may include information for first subtracting the payment amount through the affiliate card from the usage amount regardless of the payment condition corresponding to the affiliate card. It is possible, and the invention is not limited thereby.

Thereafter, the server issues the at least one affiliate card including at least one of customer information corresponding to the affiliate card, card information, and card attribute information to the card company server 110 through the communication means. In step 660, the card company server 110 stores the affiliate card operation information in the predetermined card information D / B 280 that further includes the card issuing affiliate information in the affiliate card issuing information. (665).

In addition, the card company server 110 sets predetermined credit limit amount information for the affiliated card and approval target information for each limit on the card limit amount (670).

According to an embodiment of the present invention, when the affiliate card includes a credit card attribute, the card company server 110 checks the credit rating of the customer who is issued the affiliate card, and then predetermined credit limit corresponding to the customer credit rating. It is preferable to set the amount of money to the card limit amount of money.

According to another embodiment of the present invention, when the affiliate card includes a check card / debit card attribute, the card company server 110 checks the customer account associated with the affiliate card, and stores the customer account balance on the card. It is preferable to set the limit amount.

In addition, the card company server 110 sets the permissible information for each limit including at least one or more merchant information (or merchant group information) to be settled through the set credit limit amount, and / or the set credit limit. Setting a per-approval target information that includes at least one payment amount per day or at least one daily / weekly / monthly payment amount, and / or the affiliate card is processed through an online payment channel. If the payment amount is processed through the card limit amount, or if the payment is processed through the offline payment channel, setting the target information for each limit to allow the payment amount to be processed through the card limit amount. It is preferable.

According to another exemplary embodiment of the present invention, the card company server 110 allows the approval target information for each limit to be first subtracted from the card limit amount of the payment amount through the affiliate card regardless of the payment condition corresponding to the affiliate card. Or, it may be made to include information to first subtract from the usage amount registered in the affiliate server 100, whereby the present invention is not limited.

If the predetermined card limit amount information for the affiliated card and the approval target information for each limit on the card limit amount are set (675), the card company server 110 checks the card limit amount information and the card limit amount. The approval target information for each limit is included in the affiliated card management information and stored in the card information D / B 280 (680).

According to an embodiment of the present invention, the card information D / B 280 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 280 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 280 is an online payment system, and / or a WAP-based wireless payment system, and / or an IC chip provided in (or associated with) the card issuer. It is possible to be provided in the DBMS on at least one or more of the base wireless payment system, and / or the tele payment system, whereby the present invention is not limited.

According to another embodiment of the present invention, the card information D / B 280 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 110 transmits the set card limit amount information and the authorization target information for each limit on the card limit amount to the server through the communication means (685). The credit card issuance information stored in the medium 275 further includes the card limit amount information and the limit target approval information for the card limit amount (690).

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

In more detail, FIG. 7 illustrates a non-face-to-face card registration interface (e.g., client terminal and network means including at least one wired terminal and / or wireless terminal) in a card registration system shown in FIG. When accessing the affiliate server 100 through the input (or select) the predetermined card registration application information and transmits, the affiliate server 100 leases the card number to the customer based on the card registration application information As a process of issuing a predetermined affiliate card through the card, specifically, it illustrates a method of implementing a rental card number D / B 270 for storing the rental card number in the card issuing institution.

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 through the lease of the card number by referring to and / or modifying the drawing 7. However, the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

For example, FIG. 7 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 275. The process of storing the predetermined affiliate card issuance information in the storage medium 275 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. 7, the card registration terminal shown in FIG. 5 is referred to as a "terminal" for convenience, and the affiliate server 100 is referred to as a "server" for convenience.

Referring to FIG. 7, the customer accesses the server through a predetermined terminal to connect a communication channel for card registration application, and the affiliate card for issuing an affiliate card through leasing the card number through the communication channel. In operation 700, the server generates (or extracts) a user interface for issuing the affiliate card and provides the terminal to the terminal through the communication channel (705).

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 (710).

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

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

Further, the card attribute information for the affiliate card may be assigned to a credit card attribute, a check card attribute, a debit card attribute, a cash card attribute, or a prepaid card 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.

Thereafter, the server receives and reads the card registration request information from the terminal through the network means and issues the affiliated card through leasing the card number to the customer based on the customer information included in the card registration request information. The card registration validity for issuing the affiliate card is checked (715).

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

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

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

If the validity to issue the affiliate card to the customer is not authenticated through the card registration application information (720), the server provides card registration error information to the customer through the card registration interface (725). 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 (720), the server is provided to the card issuing organization based on the card registration application information through the communication means. The lease card number D / B 270 requests and receives the lease card number to be assigned to the alliance card and assigns it to the alliance card number (730).

Thereafter, the server transmits the affiliate card number to the card company server 110 that has leased the lease card number through the communication means, and then a verification value (or verification code) corresponding to the affiliate card number to the card company server 110. Request a card verification value (or verification code) corresponding to the affiliate card number from the card company server 110 in response thereto (735), and the affiliate card number and card verification value (or verification code). In operation 740, predetermined affiliate card information is included.

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

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

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

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

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

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

Thereafter, the server sets usage amount information including a predetermined limit amount assigned to the affiliate card by the card issuing affiliate institution and approval target information for each limit on the utilization amount (745).

According to the implementation method of the present invention, the server preferably sets a certain amount of money to be used by the card issuing affiliate to the affiliated card according to the utilization policy of the card issuing affiliate.

Alternatively, the server may set the predetermined amount in consideration of the customer grade set by the card issuing affiliate institution or the loyalty of the customer to the card issuing affiliate institution based on the customer information included in the card registration application information. It is preferable that the card issuance affiliated institution set the usage amount to be assigned to the affiliated card.

Alternatively, the server checks the credit rating of the customer in connection with at least one credit rating server (not shown) based on the customer information included in the card registration application information, and then, the server determines a predetermined amount of money corresponding to the credit rating. It is preferable that the card issuance affiliated institution set the usage amount to be assigned to the affiliated card.

Alternatively, the server checks the account balance of the customer in connection with at least one financial company server (not shown) based on the customer information included in the card registration application information, and then sets a predetermined amount of money corresponding to the account balance. It is preferable that the card issuance affiliated institution set the usage amount to be assigned to the affiliated card.

Or, the server requests the credit limit amount information of the customer to the card company server 110 provided in the card issuing agency based on the customer information included in the card registration application information, and the credit limit amount to be confirmed It is preferable to set the corresponding fixed amount of money to the utilization amount that the card issuing affiliate institution gives to the affiliate card.

Those skilled in the art to which the present invention pertains, in addition to the above-described usage setting method, it is possible to infer various implementation methods in which the card issuing affiliate institution gives a predetermined usage amount to the affiliate card. It is preferable that the invention includes all the methods of inferring the above.

According to an exemplary embodiment of the present invention, the server sets approval target information for each limit including at least one or more affiliate store information (or affiliate store group information) to be processed for payment through the set utilization amount, and / or the set Set per-approval authorization information that includes at least one one-time payment amount, or at least one daily / weekly / monthly payment amount through a usage amount; and / or the affiliate card processes payment through an online payment channel. Set the approval target information for each limit to allow the payment amount to be processed through the utilization amount or to process the payment amount through the utilization amount when the payment is processed through the offline payment channel. It is desirable to.

According to another exemplary embodiment of the present invention, the approval target information for each limit may include information for first subtracting the payment amount through the affiliate card from the usage amount regardless of the payment condition corresponding to the affiliate card. It is possible, and the invention is not limited thereby.

If the utilization amount information for the affiliated card and the approval target information for each limit on the used amount are set (750), the server provides a predetermined affiliated card with the affiliated card information through a predetermined card registration device. Produce (or deliver) to the customer to produce (755).

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 275 (760).

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 100 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 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.

In addition, the utilization amount information for the affiliated card is preferably made to include a predetermined amount of the limit given to the affiliated card by the card issuing affiliated institution, and then a part (or all) of the utilization amount is the card. It is preferable to deposit in the form of a customer allowance from the issuing affiliate institution to the card issuer.

According to an exemplary embodiment of the present invention, the approval target information for each limit includes at least one merchant information (or merchant group information), payment amount information, online / offline payment channel information, etc. to be paid and processed through the utilization amount. It is preferable to comprise at least one or more.

According to another exemplary embodiment of the present invention, the approval target information for each limit may include information for first subtracting the payment amount through the affiliate card from the usage amount regardless of the payment condition corresponding to the affiliate card. It is possible, and the invention is not limited thereby.

Thereafter, the server issues the at least one affiliate card including at least one of customer information corresponding to the affiliate card, card information, and card attribute information to the card company server 110 through the communication means. In operation 765, the card company server 110 stores the affiliate card operation information further including the card issuing affiliate information in the affiliate card issuing information in a predetermined card information D / B 280 ( 770).

In addition, the card company server 110 sets predetermined credit limit amount information for the affiliated card and approval target information for each limit on the card limit amount (775).

According to an embodiment of the present invention, when the affiliate card includes a credit card attribute, the card company server 110 checks the credit rating of the customer who is issued the affiliate card, and then predetermined credit limit corresponding to the customer credit rating. It is preferable to set the amount of money to the card limit amount of money.

According to another embodiment of the present invention, when the affiliate card includes a check card / debit card attribute, the card company server 110 checks the customer account associated with the affiliate card, and stores the customer account balance on the card. It is preferable to set the limit amount.

In addition, the card company server 110 sets the permissible information for each limit including at least one or more merchant information (or merchant group information) to be settled through the set credit limit amount, and / or the set credit limit. Setting a per-approval target information that includes at least one payment amount per day or at least one daily / weekly / monthly payment amount, and / or when the affiliate card is processed through an online payment channel. It is recommended to set the subject-specific authorization information to allow the payment amount to be processed through the card limit amount or to process the payment amount through the card limit amount when the payment amount is processed through the offline payment channel. desirable.

According to another exemplary embodiment of the present invention, the card company server 110 allows the approval target information for each limit to be first subtracted from the card limit amount of the payment amount through the affiliate card regardless of the payment condition corresponding to the affiliate card. Or, it may be made to include information to first subtract from the usage amount registered in the affiliate server 100, whereby the present invention is not limited.

If the predetermined card limit amount information for the affiliated card and the approval target information for each limit on the card limit amount are set (780), the card company server 110 determines the card limit amount information and the card limit amount. The authorization target information for each limit is included in the affiliated card operation information and stored in the card information D / B 280 (785).

According to an embodiment of the present invention, the card information D / B 280 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 280 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 280 is an online payment system, and / or a WAP-based wireless payment system, and / or an IC chip provided in (or associated with) the card issuer. It is possible to be provided in the DBMS on at least one or more of the base wireless payment system, and / or the tele payment system, whereby the present invention is not limited.

According to another embodiment of the present invention, the card information D / B 280 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 110 transmits the set card limit amount information and the authorization target information for each limit on the card limit amount to the server through the communication means (790). The card limit amount information and the limit subject approval information for the card limit amount are further stored in the affiliate card issuance information stored in the medium 275 (S795).

FIG. 8 is a diagram illustrating a card registration system for issuing an affiliate card in MS / IC form through a batch lease of card numbers according to another exemplary embodiment of the present invention.

In more detail, FIG. 8 illustrates that when a predetermined customer provides card registration application information for issuing an affiliate card through leasing a predetermined card number to a card issuing affiliate institution through a predetermined card registration interface, the card issuing affiliate institution is configured to provide the card registration application information. It is a system configuration for issuing an affiliate card in the form of a predetermined MS (Magnetic Stripe) card or IC (Integrated Circuit) card to the customer based on the provided card registration application information, specifically, a rental card for storing the rental card number When the number D / B 870 is provided in the card issuing affiliated institution and the card issuing institution is also provided, the method for registering / issuing the affiliated card by synchronizing the rental card number D / B 870 is described. It is shown.

Those skilled in the art to which the present invention pertains can refer to and / or modify this drawing 8 to infer various implementation methods for configuring a card registration system for issuing an affiliate card through leasing the card number. However, the present invention includes all the implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

Hereinafter, at least one means and / or function for 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. 8 according to an embodiment of the present invention, a card registration system for issuing an affiliate card through leasing the card number may be used by an employee of an affiliated employee provided in at least one card issuer (or financial institution). And / or a client terminal including at least one wired terminal and / or a wireless terminal used by the customer when the card registration system supports a non-face-to-face card registration application. Characterized in that the employee terminal and / or client terminal is connected to the communication channel and the affiliate server 100 provided in the card issuing affiliate institution through a predetermined network means.

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

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

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

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

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

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

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

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the client terminal corresponding to at least one 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 communication 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 lease card number D / B 870 provided to the card issuing affiliate institution according to an embodiment of the present invention is leased so that the card issuing agency is assigned to at least one affiliate card registered through the card issuing affiliate institution. It is preferable to include at least one or more card number, it is preferable to further comprise the card issuing institution information that leased the lease card number.

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

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

In addition, the lease card number D / B 870 provided to the card issuing agency in synchronization with the lease card number D / B (870) provided in the card issuing agency is the card issuing agency in the card issuing agency It is preferably made to include at least one or more card numbers leased to be assigned to at least one or more affiliate cards registered through, it is preferable that the lease card number further comprises a card issuing affiliate information to lease.

In this case, the lease card number, preferably comprises the same information configuration as the lease card number D / B (870) provided in the card issuing affiliate institution, the lease card number is predetermined in the affiliate server 100 When assigned to an affiliate card, it is preferable to synchronize with the rental card number D / B (870) provided in the card issuing affiliate.

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

The storage medium 875 provided in 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 the customer information according to the issuance of the affiliated card. And affiliated card issuance information including at least one affiliated card information and card attribute information, wherein the affiliated card issuance information stored in the storage medium 875 is used to lease the card number from a card issuing affiliated institution. It is used to provide affiliate card related services through.

According to another exemplary embodiment of the present invention, the storage medium 875 is connected to a predetermined DBMS interworking with a server (or device) that performs a predetermined information processing function using the affiliated card issuing information in the card issuing affiliated institution. It is preferable that the storage medium 875 is provided at this time. The location of the storage medium 875 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 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 800 (or interface means) for providing a predetermined card registration interface to the card registration terminal through the network means. do.

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 unit 800 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 800 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 a browser program corresponding to a Hyper-Text Transfer Protocol (HTTP) protocol is provided in the client terminal, the interface unit 800 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 800 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 800 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 800 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 100, the interface unit 800 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. 8, the affiliate server 100 is connected with the interface unit 800 when a predetermined card registration terminal is connected to the affiliate server 100 through the interface unit 800. An interface providing unit 805 (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 810 (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 800; Validation authentication unit 815 (or validity check to confirm the validity of issuing the affiliate card to the customer based on the registered card registration application information) A card number allocating unit (825) for allocating a predetermined lease card number among at least one lease card number provided in the lease card number D / B 870 as an affiliate card number for the registered affiliate card; (Or card number assignment means), card information generation unit 830 (or information generation means) for generating predetermined association card information including the association card number, and the card issuance corresponding to the association card. A usage card set unit 835 (or a usage setter) for setting a usage amount that is assigned to the customer by the affiliated agency and an approval target for each limit of the usage amount, and the affiliated card through a predetermined card registration device. The card issuing unit 845 (card issuing means) for issuing a predetermined alliance card containing the information, and the predetermined affiliation card issuance information corresponding to the alliance card issued to the customer are stored. And an information storage unit 840 (or information storage means) for storing in the medium 875.

In addition, the affiliate server 100 after the predetermined partnership card is issued through the card issuing unit 845, the predetermined through the communication means (for example, a dedicated communication network, or a secure communication network based on encrypted communication) The card company server 110 provided in the card issuing organization is characterized in that it comprises an information transmitting and receiving unit 820 for transmitting the customer information, card information, and card attribute information corresponding to the partnership card.

In addition, the information transmitting and receiving unit 820 is a rental card number D / B 870 provided to the card issuing organization through the communication means, when a predetermined cooperation card number is assigned by the card number assignment unit 825 By transmitting the affiliated card number to the DBMS (or DB server) that manages the), the lease card number D / B (870) provided in the card issuing agency and the lease card number D / B provided in the card issuing affiliated agency It is desirable to synchronize 870.

In addition, when the predetermined partner card number is assigned by the card number assignment unit 825, the information transmitting and receiving unit 820, through the communication means to the card company server 110 provided in the card issuing agency the card The affiliate card number assigned by the number assignment unit 825 is transmitted, and a card verification value (or verification code) corresponding to the affiliate card number from the card company server 110 (eg, a CVV (Card Verification) of a visa card. Value), CVC (Card Validation Code) of the master card, CID (Confidential Identifier Number or Card Identification Number) of the American Express card, and the like, and the card verification value (or verification code) in the rental card number ), The function of transmitting and receiving the card verification value (or verification code) for the association card number may be omitted.

The interface providing unit 805 provides the card registration application information in response to a function configuration provided in the card registration terminal when a predetermined card registration terminal is connected to the affiliate server 100 through the interface unit 800. Generate a predetermined user interface which can be input (or selected) and transmitted to the affiliate server 100 via the network means, and / or extracted from a predetermined database (not shown), and with the interface unit 800 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 selection) of the 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 805 is 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 user interface generated (or extracted) through the interface unit 800 to 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 providing unit 805 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 800.

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 805 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 800.

The information receiving unit 810 inputs (or selects) predetermined card registration request information through the user interface through the user interface in the card registration terminal, and registers the card in cooperation with the interface unit 800. Characterized in that it receives the application information, and provides the received card registration application information to the validity authentication unit 815.

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

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

Further, the card attribute information for the affiliate card may be assigned to a credit card attribute, a check card attribute, a debit card attribute, a cash card attribute, or a prepaid card 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.

According to the embodiment of the present invention, the card registration application information may further include predetermined utilization application information including a predetermined utilization request amount, in which case the utilization setting unit 835 may be used. It is possible to set the utilization amount for the affiliated card based on the utilization request amount included in the utilization application information, whereby the present invention is not limited.

The validity authentication unit 815 checks 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.

The card number allocating unit 825 stores the at least one rental card number based on the card registration application information received through the information receiving unit 810 from the lease card number D / B 870 of the affiliated card. Identify a predetermined lease card number to be assigned to the card, generate (or extract) a predetermined affiliate card number including the lease card number, and assign the card to the affiliated card; 820 transfers the card number assigned to the affiliated card number to a DBMS (or DB server) managing the lease card number D / B 870 provided to the card issuing institution to lease provided to the card issuing affiliated institution. The card number D / B 870 is synchronized with the rental card number D / B 870 provided in the card issuing institution.

According to an embodiment of the present invention, when the lease card number D / B 870 is provided with a 16-digit lease card number, the card number allocating unit 825 reads a predetermined lease card number among the lease card numbers. It is preferable to extract by the affiliate card number.

According to another embodiment of the present invention, when the rental card number D / B 870 is provided with a rental card number including a 9-digit serial number of the 16-digit card number, the card number assignment unit 825 is It is preferable to generate a predetermined affiliate card number including a rental card number, a card issuing agency information number, a card type number, and a check digit corresponding to the nine-digit serial number.

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

According to the exemplary embodiment of the present invention, when a predetermined cooperation card number is assigned by the card number assignment unit 825, the information transmission / reception unit 820 is a card company server provided in the card issuing organization through the communication means ( The card number assignment unit 825 transmits the affiliate card number assigned by the card number assignment unit 825, and a card verification value (or verification code) corresponding to the affiliate card number from the card company server 110 (eg, a visa card). It is preferable to receive the CVV (Card Verification Value), Master Card CVC (Card Validation Code), American Express Card CID (Confidential Identifier Number or Card Identification Number), and the card verification value in the rental card number (Or verification code) or the card number assignment unit 825 is provided with the card verification value (or verification code) generation function, the information transmitting and receiving unit 820 is The ability to transmit and receive a card verification value for a holiday card number (or validation code) but may be omitted.

When the association card number is generated (or extracted) as described above, the card information generation unit 830 generates predetermined association card information including the association card number.

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

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

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

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

When predetermined cooperation card information included in the affiliate card is generated by the card information generation unit 830, the utilization setting unit 835 may set a predetermined amount according to the utilization policy of the card issuing affiliate institution. Characterized in that the card issuing affiliated institutions to set the amount of credits given to the affiliated card.

Alternatively, the utilization setting unit 835 is based on the customer information included in the card registration application information, the customer grade set by the card issuing affiliate institution, or the loyalty of the customer to the card issuing affiliate institution, etc. In consideration of the above, the predetermined amount is set as a usage amount which the card issuing affiliate institution gives to the affiliate card.

Alternatively, the utilization setting unit 835 checks the credit rating of the customer in association with at least one credit evaluation server (not shown) based on the customer information included in the card registration application information, and then corresponds to the credit rating. It is characterized in that the predetermined amount of money is set to the utilization amount that the card issuing affiliated organization gives to the affiliated card.

Alternatively, the utilization setting unit 835 checks the account balance of the customer in connection with at least one financial company server (not shown) based on the customer information included in the card registration application information, and then corresponds to the account balance. It is characterized in that the predetermined amount of money to be set to the usage amount that the card issuing affiliated institution gives to the affiliated card.

Alternatively, the utilization setting unit 835 requests the credit limit amount information of the customer to the card company server 110 provided in the card issuing agency based on the customer information included in the card registration application information. Characterized in that a certain percentage of the amount corresponding to the credit limit amount to be confirmed is characterized in that the card issuance affiliated institutions to set the amount of the usage amount that the affiliated card.

Those skilled in the art to which the present invention pertains, in addition to the usage setting method described above, it is possible to infer various implementation methods in which the card issuing affiliate institution gives a predetermined usage amount to the affiliate card. The invention is characterized in that it comprises all the methods of inference.

According to the exemplary embodiment of the present invention, the utilization setting unit 835 may set the approval target information for each limit including at least one or more affiliate store information (or affiliate store group information) to be paid and processed through the set utilization amount. And / or to set the per-approval target information including at least one or more one-time payment amount or daily / weekly / monthly payment amount to be processed through the set utilization amount, and / or the affiliate card is online. Limit to allow the payment amount to be processed through the utilization amount when the payment is made through the payment channel, or to process the payment amount through the utilization amount when the payment is processed through the offline payment channel. It is desirable to set the approval target information.

According to another exemplary embodiment of the present invention, the approval target information for each limit may include information for first subtracting the payment amount through the affiliate card from the usage amount regardless of the payment condition corresponding to the affiliate card. It is possible, and the invention is not limited thereby.

When predetermined affiliated card information included in the affiliated card is generated by the card information generator 830, the card issuing unit 845 generates an affiliated card including the affiliated card information through a predetermined card registration device. And (or having the affiliate card information included in the affiliate card), the affiliate card is provided (or delivered) to the customer.

If the affiliate card is an MS (Magnetic Stripe) card, the card registration device records the affiliate card information on at least one MS track (eg, track I, track II, track III) included in the affiliate card. In this case, the card information generation unit 830 generates an association card information in a data structure recordable in at least one or more MS tracks, and the card issuing unit 845 cooperates with the card registration device. By recording card information on at least one or more MS tracks, a predetermined affiliate card to be issued to the customer is issued.

Alternatively, if the affiliated card is an IC (Integrated Circuit) card, the card registration device comprises a device for recording the affiliated card information in a memory provided in the IC chip of the affiliated card, wherein the card information generation The unit 830 generates the affiliate card information in a file structure operable through a COS (Chip Operating System) provided in the IC chip, and the card issuing unit 845 generates the affiliate card information through the card registration device. Is recorded in the memory of the IC chip, and a predetermined partnership card to be issued to the customer is issued.

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

Thereafter, the information storage unit 840 stores the customer information included in the card registration request information received from the customer through the information receiving unit 810, the generated affiliate card information, card attribute information for the affiliate card, And storing the affiliated card issuance information including at least one usage amount information of the affiliated card and at least one approval target information for each affiliated card in the storage medium 875.

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 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.

In addition, the utilization amount information for the affiliated card is preferably made to include a predetermined amount of the limit given to the affiliated card by the card issuing affiliated institution, and then a part (or all) of the utilization amount is the card. It is preferable to deposit in the form of a customer allowance from the issuing affiliate institution to the card issuer.

According to an exemplary embodiment of the present invention, the approval target information for each limit includes at least one merchant information (or merchant group information), payment amount information, online / offline payment channel information, etc. to be paid and processed through the utilization amount. It is preferable to comprise at least one or more.

According to another exemplary embodiment of the present invention, the approval target information for each limit may include information for first subtracting the payment amount through the affiliate card from the usage amount regardless of the payment condition corresponding to the affiliate card. It is possible, and the invention is not limited thereby.

Referring to FIG. 8, the card company server 110 of the card issuing organization connected with the affiliate server 100 through a predetermined communication means, the predetermined affiliate card number from the affiliate server 100 through the communication means. Receives (or receives the card verification value (or verification code) request information) information transmitting and receiving unit 850 (or information receiving means), and the predetermined information from the affiliate server 100 through the information transmitting and receiving unit 850 When receiving an affiliate card number (or when a card verification value (or verification code) is requested), the verification information generation unit 855 generating a predetermined card verification value (or verification code) corresponding to the affiliate card number. And the information transmitting / receiving unit 850 (or information transmitting means) transmits a card verification value (or verification code) corresponding to the affiliate card number to the affiliate server 100. Scoop Gong.

In the technical field to which the present invention pertains, the verification information generation unit 855 is a 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.

Referring to FIG. 8, the card company server 110 of the card issuing organization connected to the affiliate server 100 through a predetermined communication means is connected to the issued affiliate card from the affiliate server 100 through the communication means. An information transmitting / receiving unit 850 (or information receiving means) for receiving affiliate card issue information including at least one corresponding customer information, affiliate card information, and card attribute information corresponding to the affiliate card; An information storage unit 860 for storing, in the predetermined card information D / B 880, the affiliate card operation information obtained by linking the information, the affiliate card information, and the card attribute information with the affiliated agency information corresponding to the card issuing affiliated institution; It is characterized by comprising.

Referring to FIG. 8, the card company server 110 of the card issuing organization, which is connected to the affiliate server 100 through a predetermined communication means, limits the predetermined card limit amount and the card limit amount for the affiliate card. The card limit setting unit 865 (or card limit setting means) for setting an approval target for each card, and the card limit amount information and the approval target information for each limit on the card limit amount in the partnership card operation information. The information storage unit 860 (or information storage means) stored in the information D / B (880), the limit information of the card limit amount information and the limit information for each limit on the card limit amount of the affiliate server through the communication means Characterized in that it comprises an information transmitting and receiving unit 850 (or information transmission means) for transmitting to (100).

The card limit setting unit 865 checks the credit level of the customer who is issued the affiliate card when the affiliate card includes a credit card attribute, and then sets a predetermined credit limit amount corresponding to the customer credit level. It characterized in that it is set to.

Alternatively, when the affiliated card includes a check card / debit card attribute, the card limit setting unit 865 checks a customer account associated with the affiliated card and sets the customer account balance as the card limit amount. It is characterized by.

According to the exemplary embodiment of the present invention, the card limit setting unit 865 may set approval target information for each limit including at least one or more affiliate store information (or affiliate store group information) to be processed for payment through the set credit limit amount. And / or to set a limit authorization information including at least one one-time payment amount or a daily / weekly / monthly payment amount to be processed through the set credit limit amount, and / or the affiliate card is online. Limit to allow payment through the card limit amount if the payment is made through the payment channel or to pay through the card limit amount if the payment is made through the offline payment channel. It is desirable to set the approval target information.

According to another exemplary embodiment of the present invention, the approval target information for each limit may be set to first subtract the payment amount through the affiliate card from the card limit amount, regardless of the payment condition corresponding to the affiliate card, or the affiliate server ( It is possible to include information to first subtract from the usage amount registered in 100), whereby the present invention is not limited.

Thereafter, the affiliated card operation information stored in the card information D / B 880 is used by the card issuing institution to provide a payment service or various additional services in association with at least one affiliated store.

According to one embodiment of the present invention, the card information D / B 880 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 880 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 880 is an online payment system, and / or a WAP-based wireless payment system, and / or an IC chip provided in (or associated with) the card issuer. It is possible to be provided in the DBMS on at least one or more of the base wireless payment system, and / or the tele payment system, whereby the present invention is not limited.

According to another embodiment of the present invention, the card information D / B 880 is an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided (or associated with) the card issuing organization. It is possible to be provided in the DBMS on at least one or more banking system, and / or TV banking system, whereby the present invention is not limited.

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

In more detail, in FIG. 9, in the card registration system shown in FIG. 8, 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 shows a process of issuing a predetermined affiliate card through the card number rental to the customer based on the card registration application information, specifically, a rental card number D / B (270) for storing the rental card number; ) Is also provided to the card issuing affiliated institution, and is also provided to the card issuing institution, the rental card number D / B 270 It illustrates an exemplary method for registering / issue a card to the affiliate synchronization.

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

For example, FIG. 9 illustrates that the affiliated card is produced and provided (or delivered) to the customer, and then the affiliated card issuance information is stored in the storage medium 275. The process of storing the predetermined affiliate card issuance information in the storage medium 275 may be performed before the affiliate card is produced or before the affiliate card is produced (or delivered) to the customer. The present invention is not limited.

Hereinafter, in FIG. 9, the card registration terminal shown in FIG. 8 is referred to as a "terminal" for convenience, and the affiliate server 100 is referred to as a "server" for convenience.

Referring to FIG. 9, in order to issue the affiliated card for issuing an affiliated card through leasing the card number, the customer is prescribed through a face-to-face card registration interface (eg, the card registration application, employee terminal, and network means). When a card registration application (for example, a document having a form for filling in at least one information item for issuance of an affiliate card through lease of the card number) is completed and submitted to an affiliated employee, the terminal is connected by the affiliated employee. The card registration application information corresponding to the card registration application prepared by the customer is input (or selected) through a predetermined user interface (900), and the card registration application information is transmitted to the server through the network means (905). .

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

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

Further, the card attribute information for the affiliate card may be assigned to a credit card attribute, a check card attribute, a debit card attribute, a cash card attribute, or a prepaid card 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.

Thereafter, the server receives and reads the card registration request information from the terminal through the network means and issues the affiliated card through leasing the card number to the customer based on the customer information included in the card registration request information. Check the card registration validity for issuing the affiliate card (910).

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

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

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

If the validity to issue the affiliate card to the customer is not authenticated through the card registration application information (915), the server provides card registration error information to the customer through the card registration interface (920). 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 (915), the server stores at least one rental card number based on the card registration application information lease card number Extract the rental card number to be assigned to the affiliate card from the D / B 270 and assign it to the affiliate card number, and assign the card number assigned to the affiliate card number based on the card registration application information through the communication means. Transfer to the DBMS (or DB server) managing the rental card number D / B (270) provided in the institution lease card number D / B (270) provided in the card issuing affiliated agency and the lease provided in the card issuing institution The card number D / B 270 is synchronized (925).

Thereafter, the server transmits the affiliate card number to the card company server 110 that has leased the lease card number through the communication means, and then a verification value (or verification code) corresponding to the affiliate card number to the card company server 110. Request a card verification value (or verification code) corresponding to the affiliate card number from the card company server 110 in response thereto (930), and the affiliate card number and card verification value (or verification code). Predetermined affiliate card information is generated to include (935).

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

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

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

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

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

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

Thereafter, the server sets usage amount information including a predetermined limit amount assigned to the affiliate card by the card issuing affiliate institution and approval target information for each limit on the utilization amount (940).

According to the implementation method of the present invention, the server preferably sets a certain amount of money to be used by the card issuing affiliate to the affiliated card according to the utilization policy of the card issuing affiliate.

Alternatively, the server may set the predetermined amount in consideration of the customer grade set by the card issuing affiliate institution or the loyalty of the customer to the card issuing affiliate institution based on the customer information included in the card registration application information. It is preferable that the card issuance affiliated institution set the usage amount to be assigned to the affiliated card.

Alternatively, the server checks the credit rating of the customer in connection with at least one credit rating server (not shown) based on the customer information included in the card registration application information, and then, the server determines a predetermined amount of money corresponding to the credit rating. It is preferable that the card issuance affiliated institution set the usage amount to be assigned to the affiliated card.

Alternatively, the server checks the account balance of the customer in connection with at least one financial company server (not shown) based on the customer information included in the card registration application information, and then sets a predetermined amount of money corresponding to the account balance. It is preferable that the card issuance affiliated institution set the usage amount to be assigned to the affiliated card.

Or, the server requests the credit limit amount information of the customer to the card company server 110 provided in the card issuing agency based on the customer information included in the card registration application information, and the credit limit amount to be confirmed It is preferable to set the corresponding fixed amount of money to the utilization amount that the card issuing affiliate institution gives to the affiliate card.

Those skilled in the art to which the present invention pertains, in addition to the usage setting method described above, it is possible to infer various implementation methods in which the card issuing affiliate institution gives a predetermined usage amount to the affiliate card. It is preferable that the invention includes all the methods of inferring the above.

According to an exemplary embodiment of the present invention, the server sets approval target information for each limit including at least one or more affiliate store information (or affiliate store group information) to be processed for payment through the set utilization amount, and / or the set Set per-approval authorization information that includes at least one one-time payment amount, or at least one daily / weekly / monthly payment amount through a usage amount; and / or the affiliate card processes payment through an online payment channel. Set the approval target information for each limit to allow the payment amount to be processed through the utilization amount or to process the payment amount through the utilization amount when the payment is processed through the offline payment channel. It is desirable to.

According to another exemplary embodiment of the present invention, the approval target information for each limit may include information for first subtracting the payment amount through the affiliate card from the usage amount regardless of the payment condition corresponding to the affiliate card. It is possible, and the invention is not limited thereby.

If the utilization amount information for the affiliate card and the authorization target information for each of the utilization amount are set (945), the server provides a predetermined affiliate card with the affiliate card information through a predetermined card registration device. Produce (or deliver) to the customer to produce (950).

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 may include at least one affiliate information including 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 for the affiliate card. The issue information is stored in the storage medium 275 (955).

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 on 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.

In addition, the utilization amount information for the affiliated card is preferably made to include a predetermined amount of the limit given to the affiliated card by the card issuing affiliated institution, and then a part (or all) of the utilization amount is the card. It is preferable to deposit in the form of a customer allowance from the issuing affiliate institution to the card issuer.

According to an exemplary embodiment of the present invention, the approval target information for each limit includes at least one merchant information (or merchant group information), payment amount information, online / offline payment channel information, etc. to be paid and processed through the utilization amount. It is preferable to comprise at least one or more.

According to another exemplary embodiment of the present invention, the approval target information for each limit may include information for first subtracting the payment amount through the affiliate card from the usage amount regardless of the payment condition corresponding to the affiliate card. It is possible, and the invention is not limited thereby.

Thereafter, the server issues the at least one affiliate card including at least one of customer information corresponding to the affiliate card, card information, and card attribute information to the card company server 110 through the communication means. In step 960, the card company server 110 stores the affiliate card operation information, which further includes the card issuing affiliate information, in the card information D / B 280. 965).

In addition, the card company server 110 sets predetermined credit limit amount information for the affiliated card and approval target information for each limit on the card limit amount (970).

According to an embodiment of the present invention, when the affiliate card includes a credit card attribute, the card company server 110 checks the credit rating of the customer who is issued the affiliate card, and then predetermined credit limit corresponding to the customer credit rating. It is preferable to set the amount of money to the card limit amount of money.

According to another embodiment of the present invention, when the affiliate card includes a check card / debit card attribute, the card company server 110 checks the customer account associated with the affiliate card, and stores the customer account balance on the card. It is preferable to set the limit amount.

In addition, the card company server 110 sets the permissible information for each limit including at least one or more merchant information (or merchant group information) to be settled through the set credit limit amount, and / or the set credit limit. Setting a per-approval target information that includes at least one payment amount per day or at least one daily / weekly / monthly payment amount, and / or when the affiliate card is processed through an online payment channel. It is recommended to set the subject-specific authorization information to allow the payment amount to be processed through the card limit amount or to process the payment amount through the card limit amount when the payment amount is processed through the offline payment channel. desirable.

According to another exemplary embodiment of the present invention, the card company server 110 allows the approval target information for each limit to be first subtracted from the card limit amount of the payment amount through the affiliate card regardless of the payment condition corresponding to the affiliate card. Or, it may be made to include information to first subtract from the usage amount registered in the affiliate server 100, whereby the present invention is not limited.

If the predetermined card limit amount information for the affiliated card and the authorization target information for each limit on the card limit amount are set (975), the card company server 110 may determine the card limit amount information and the card limit amount. The approval target information for each limit is included in the affiliated card operation information and stored in the card information D / B 280 (980).

According to an embodiment of the present invention, the card information D / B 280 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 280 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 280 is an online payment system, and / or a WAP-based wireless payment system, and / or an IC chip provided in (or associated with) the card issuer. It is possible to be provided in the DBMS on at least one or more of the base wireless payment system, and / or the tele payment system, whereby the present invention is not limited.

According to another embodiment of the present invention, the card information D / B 280 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 110 transmits the set card limit amount information and the authorization target information for each limit on the card limit amount to the server through the communication means (985). In operation 990, the affiliated card issuance information stored in the medium 275 further includes the card limit amount information and the limit subject approval information for the card limit amount.

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

In more detail, in FIG. 10, in the card registration system shown in FIG. 8, a non-face-to-face card registration interface (eg, a client terminal and network means including at least one of a wired terminal and / or a wireless terminal) is provided by a predetermined customer. When accessing the affiliate server 100 through the input (or select) the predetermined card registration application information and transmits, the affiliate server 100 leases the card number to the customer based on the card registration application information As a process of issuing a predetermined affiliate card through, specifically, a rental card number D / B 270 for storing the rental card number is provided in the card issuing affiliate institution, and is also provided in the card issuing institution. The synchronization method of the rental card number D / B 270 is shown to register / issue the affiliate card.

Those of ordinary skill 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 10. However, the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

For example, although FIG. 10 illustrates that the affiliated card is produced and provided (or shipped) to the customer, the affiliated card issuance information is stored in the storage medium 275. The process of storing the predetermined affiliate card issuance information in the storage medium 275 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. 10, the card registration terminal shown in FIG. 8 is referred to as a "terminal" for convenience, and the affiliate server 100 is referred to as a "server" for convenience.

Referring to FIG. 10, the customer accesses the server through a predetermined terminal to connect a communication channel for card registration application, and the affiliate card for issuing an affiliate card through leasing the card number through the communication channel. The application is issued (1000), 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 (1005).

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 (1010).

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

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

Further, the card attribute information for the affiliate card may be assigned to a credit card attribute, a check card attribute, a debit card attribute, a cash card attribute, or a prepaid card 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.

Thereafter, the server receives and reads the card registration request information from the terminal through the network means and issues the affiliated card through leasing the card number to the customer based on the customer information included in the card registration request information. The card registration validity for issuing the affiliate card is checked (1015).

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

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

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

If the validity to issue the affiliate card to the customer is not authenticated through the card registration application information (1020), the server provides card registration error information to the customer through the card registration interface (1025). 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 (1020), the server stores at least one rental card number based on the card registration application information. Extract the rental card number to be assigned to the affiliate card from the D / B 270 and assign it to the affiliate card number, and the card issuer based on the card registration application information through the communication means. The lease card number D / B 270 provided in the card issuing agency and the lease card number D / B 270 provided in the card issuing agency and the card issuing agency The number D / B 270 is synchronized (1030).

Thereafter, the server transmits the affiliate card number to the card company server 110 that has leased the lease card number through the communication means, and then a verification value (or verification code) corresponding to the affiliate card number to the card company server 110. Request a card verification value (or verification code) corresponding to the affiliate card number from the card company server 110 (1035), and the affiliate card number and card verification value (or verification code). Generates predetermined affiliate card information including 1040.

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

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

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

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

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

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

Thereafter, the server sets usage amount information including a predetermined limit amount assigned to the affiliate card by the card issuing affiliate institution and approval target information for each limit on the usage amount (1045).

According to the implementation method of the present invention, the server preferably sets a certain amount of money to be used by the card issuing affiliate to the affiliated card according to the utilization policy of the card issuing affiliate.

Alternatively, the server may set the predetermined amount in consideration of the customer grade set by the card issuing affiliate institution or the loyalty of the customer to the card issuing affiliate institution based on the customer information included in the card registration application information. It is preferable that the card issuance affiliated institution set the usage amount to be assigned to the affiliated card.

Alternatively, the server checks the credit rating of the customer in connection with at least one credit rating server (not shown) based on the customer information included in the card registration application information, and then, the server determines a predetermined amount of money corresponding to the credit rating. It is preferable that the card issuance affiliated institution set the usage amount to be assigned to the affiliated card.

Alternatively, the server checks the account balance of the customer in connection with at least one financial company server (not shown) based on the customer information included in the card registration application information, and then sets a predetermined amount of money corresponding to the account balance. It is preferable that the card issuance affiliated institution set the usage amount to be assigned to the affiliated card.

Or, the server requests the credit limit amount information of the customer to the card company server 110 provided in the card issuing agency based on the customer information included in the card registration application information, and the credit limit amount to be confirmed It is preferable to set the corresponding fixed amount of money to the utilization amount that the card issuing affiliate institution gives to the affiliate card.

Those skilled in the art to which the present invention pertains, in addition to the usage setting method described above, it is possible to infer various implementation methods in which the card issuing affiliate institution gives a predetermined usage amount to the affiliate card. It is preferable that the invention includes all the methods of inferring the above.

According to an exemplary embodiment of the present invention, the server sets approval target information for each limit including at least one or more affiliate store information (or affiliate store group information) to be processed for payment through the set utilization amount, and / or the set Set per-approval authorization information that includes at least one one-time payment amount, or at least one daily / weekly / monthly payment amount through a usage amount; and / or the affiliate card processes payment through an online payment channel. If the payment amount is processed through the utilization amount, or if the payment is processed through the offline payment channel, the approval target information for each limit to allow the payment amount to be processed through the utilization amount It is preferable to set.

According to another exemplary embodiment of the present invention, the approval target information for each limit may include information for first subtracting the payment amount through the affiliate card from the usage amount regardless of the payment condition corresponding to the affiliate card. It is possible, and the invention is not limited thereby.

If the utilization amount information for the affiliated card and the approval target information for each limit on the used amount are set (1050), the server provides a predetermined affiliated card with the affiliated card information through a predetermined card registration device. Produce (or deliver) the customer to make (1055).

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 affiliated card is an IC card, the card registration device preferably includes an apparatus for recording the affiliated card information in a memory provided in the IC chip of the affiliated 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 275 (1060).

Here, the customer information included in the affiliated card issuance information includes personal information of the card registered customer (for example, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.), and the customer 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.

In addition, the utilization amount information for the affiliated card is preferably made to include a predetermined amount of the limit given to the affiliated card by the card issuing affiliated institution, and then a part (or all) of the utilization amount is the card. It is preferable to deposit in the form of a customer allowance from the issuing affiliate institution to the card issuer.

According to an exemplary embodiment of the present invention, the approval target information for each limit includes at least one merchant information (or merchant group information), payment amount information, online / offline payment channel information, etc. to be paid and processed through the utilization amount. It is preferable to comprise at least one or more.

According to another exemplary embodiment of the present invention, the approval target information for each limit may include information for first subtracting the payment amount through the affiliate card from the usage amount regardless of the payment condition corresponding to the affiliate card. It is possible, and the invention is not limited thereby.

Thereafter, the server issues the at least one affiliate card including at least one of customer information corresponding to the affiliate card, card information, and card attribute information to the card company server 110 through the communication means. In step 1065, the card company server 110 stores the affiliate card operation information further including the card issuing affiliate information in the affiliate card issuing information in a predetermined card information D / B 280 ( 1070).

In addition, the card company server 110 sets predetermined card limit amount information for the affiliated card and limit target approval information for the card limit amount (1075).

According to an embodiment of the present invention, when the affiliate card includes a credit card attribute, the card company server 110 checks the credit rating of the customer who is issued the affiliate card, and then predetermined credit limit corresponding to the customer credit rating. It is preferable to set the amount of money to the card limit amount of money.

According to another embodiment of the present invention, when the affiliate card includes a check card / debit card attribute, the card company server 110 checks the customer account associated with the affiliate card, and stores the customer account balance on the card. It is preferable to set the limit amount.

In addition, the card company server 110 sets the permissible information for each limit including at least one or more merchant information (or merchant group information) to be settled through the set credit limit amount, and / or the set credit limit. Setting a per-approval target information that includes at least one payment amount per day or at least one daily / weekly / monthly payment amount, and / or when the affiliate card is processed through an online payment channel. It is recommended to set the subject-specific authorization information to allow the payment amount to be processed through the card limit amount or to process the payment amount through the card limit amount when the payment amount is processed through the offline payment channel. desirable.

According to another exemplary embodiment of the present invention, the card company server 110 allows the approval target information for each limit to be first subtracted from the card limit amount of the payment amount through the affiliate card regardless of the payment condition corresponding to the affiliate card. Or, it may be made to include information to first subtract from the usage amount registered in the affiliate server 100, whereby the present invention is not limited.

If predetermined card limit amount information for the affiliated card and limit target authorization information for the card limit amount are set (1080), the card company server 110 determines the card limit amount information and the card limit amount. The authorization target information for each limit is included in the affiliated card operation information and stored in the card information D / B 280 (1085).

According to an embodiment of the present invention, the card information D / B 280 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 280 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 280 is an online payment system, and / or a WAP-based wireless payment system, and / or an IC chip provided in (or associated with) the card issuer. It is possible to be provided in the DBMS on at least one or more of the base wireless payment system, and / or the tele payment system, whereby the present invention is not limited.

According to another embodiment of the present invention, the card information D / B 280 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 110 transmits the set card limit amount information and the authorization target information for each limit on the card limit amount to the server through the communication means (1090). The affiliated card issuance information stored in the medium 275 further includes the card limit amount information and the authorization target information for each limit on the card limit amount (1095).

FIG. 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) through collective leasing of card numbers according to an exemplary 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. By providing card registration application information for issuing an affiliate card through a predetermined card number lease, the card issuing affiliated agency provides a wireless IC chip provided to the customer to the customer based on the provided card registration application information. The system configuration for issuing an affiliate card in the form of a card applet (or IC chip storage information). Specifically, a rental card number D / B 1170 for storing the lease card number is provided in the card issuing affiliate institution. It shows an implementation method.

Those skilled in the art to which the present invention pertains, various implementation methods (for example, the lease) for the configuration of a card registration system for issuing an affiliated card through the lease of the card number by referring to and / or modifying this drawing 11 The rental card number D / B 1170 that stores the card number may be provided in the card issuing institution, or the implementation method of synchronizing the rental card number D / B 1170 may be inferred. It includes all the 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 in the form of a &quot; partner server 100 &quot; for convenience, and the card issuing affiliated agency provided with the affiliate server 100 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. 11 according to an embodiment of the present invention, a card registration system for issuing an affiliated card through leasing the card number is an employee terminal used by an affiliated employee provided in at least one card issuer (or financial institution). And / or a client terminal including at least one wired terminal and / or a wireless terminal used by the customer when the card registration system supports a non-face-to-face card registration application. Characterized in that the employee terminal and / or client terminal is connected to the communication channel and the affiliate server 100 provided in the card issuing affiliate institution through a predetermined network means.

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

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

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

According to another exemplary embodiment of the present invention, when the card registration system supports a non-face-to-face card registration application, the customer is selected from a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network. Access to the affiliate server 100 through at least one client terminal, and through the at least one user interface provided by the affiliate server 100 to register the card registration application information for issuing the affiliate card through the card number rental If input (or selected), it is preferable to transmit from the client terminal to the affiliate server 100 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 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, and 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. 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 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. 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 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.

According to an embodiment of the present invention, the lease card number D / B 1170 provided in the card issuing affiliate institution is leased so that the card issuing institution is allocated to at least one affiliate card registered through the card issuing affiliate institution. It is preferable to include at least one or more card number, it is preferable to further comprise the card issuing institution information that leased the lease card number.

Herein, the rental card number may include all 16-digit card numbers or correspond to the first four digits of the 16-digit card number (for example, the first four digits corresponding to the card issuer number and the card type number). To the next two digits, and the remaining nine digits except the last one corresponding to the check digit), preferably including a predetermined number area, 16 digit card according to the intention of the skilled person In addition to the numbers, lease card numbers that follow a different card number system may be included.

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

The storage medium 1175 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 issuance information including at least one affiliated card information and at least one card attribute information. The affiliated card issuance information stored in the storage medium 1175 may be rented by the card issuing agency. It is used to provide affiliate card related services through.

According to another exemplary embodiment of the present invention, the storage medium 1175 may be connected to a predetermined DBMS interoperating with 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 1175 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 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 1100 (or interface means) for providing a predetermined card registration interface to the card registration terminal through the network means. do.

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 unit 1100 communicates with the employee terminal based on a protocol stack defined in the financial network. It is desirable 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 1100 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 a browser program corresponding to a Hyper-Text Transfer Protocol (HTTP) protocol is provided in the client terminal, the interface unit 1100 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 1100 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 1100 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 1100 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 100, the interface unit 1100 connects a communication channel with the client terminal based on the CDMA protocol, and the communication program Provides communication interface for transmitting and receiving information (or data) using communication protocol defined in.

Referring to FIG. 11, the affiliate server 100 is connected with the interface unit 1100 when a predetermined card registration terminal is connected to the affiliate server 100 through the interface unit 1100. An interface providing unit 1105 (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 1110 (or information receiving means) for receiving predetermined card registration application information that is input (or selected) and transmitted from the card registration terminal through the user interface in association with the interface unit 1100; Validation authentication unit 1115 (or validity to check the validity of issuing the affiliate card to the customer based on the registered card registration application information) A card number allocating unit for allocating a predetermined lease card number among at least one lease card number provided in the lease card number D / B 1170 as an affiliate card number for the registered affiliate card ( 1125 (or card number assignment means), card information generation unit 1130 (or information generation means) for generating predetermined association card information including the association card number, and the card issuance corresponding to the association card. A predetermined card including a usage amount set to be assigned to the customer by the affiliated organization and an approval target for each of the usage amount limits (or usage set means); and a predetermined card including the affiliated card information. The applet generating unit 1185 (or applet generating means) for generating an applet (or IC chip storage information) and the card applet (or IC chip storage information) are transferred 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 customer wireless terminal and recording it on a wireless IC chip provided in the customer wireless terminal and corresponding to the alliance card issued to the customer. And an information storage unit 1140 (or information storage means) for storing the association card issuance information in the storage medium 1175.

In addition, after the predetermined affiliate card is issued through the card issuing unit 1145, the affiliate server 100 may perform a predetermined communication means (for example, a dedicated communication network or a secure communication network based on encrypted communication). The card company server 110 provided in the card issuing organization is characterized in that it comprises an information transmitting and receiving unit 1120 for transmitting the customer information, card information, and card attribute information corresponding to the partnership card.

In addition, when a predetermined cooperation card number is assigned by the card number assignment unit 1125, the information transmitting and receiving unit 1120 sends the card to the card company server 110 provided in the card issuing institution through the communication means. The affiliate card number assigned by the number assignment unit 1125 is transmitted, and a card verification value (or verification code) corresponding to the affiliate card number from the card company server 110 (eg, a CVV (Card Verification) of a visa card. Value), CVC (Card Validation Code) of the master card, CID (Confidential Identifier Number or Card Identification Number) of the American Express card, etc., and the card verification value (or verification code) in the rental card number ), The function of transmitting and receiving the card verification value (or verification code) for the affiliated card number may be omitted.

The interface providing unit 1105, when a predetermined card registration terminal is connected to the affiliate server 100 through the interface unit 1100, the card registration application information corresponding to the functional configuration provided in the card registration terminal; Generate a predetermined user interface that can be input (or selected) and transmitted to the affiliate server 100 via the network means, and / or extracted from a predetermined database (not shown), and the interface unit 1100 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 1105 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 to provide the employee terminal with the generated (or extracted) user interface through the interface unit 1100.

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 providing unit 1105 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 1100.

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 1105 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 1100.

When the information receiving unit 1110 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 1100 interworks with the interface unit 1100 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 (1115).

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

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

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.

The validity authentication unit 1115 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.

In addition, validity confirmation for issuing the alliance card to the customer includes subscriber management means (for example, subscriber information D / B (not shown) and subscription management server (not shown)) on the wireless communication network corresponding to the customer wireless terminal information. Etc.), it is preferable to include checking whether the customer wireless terminal information is valid.

The card number allocating unit 1125 stores the at least one lease card number based on the card registration application information received through the information receiving unit 1110 from the lease card number D / B 1170. Identify a predetermined lease card number to be assigned to and generate (or extract) a predetermined lease card number including the lease card number, and assign the lease card number to the affiliated card.

According to an embodiment of the present invention, when the lease card number D / B 1170 is provided with a 16-digit lease card number, the card number allocator 1125 reads a predetermined lease card number among the lease card numbers. It is preferable to extract by the affiliate card number.

According to another embodiment of the present invention, when the rental card number D / B 1170 is provided with a rental card number including a 9-digit serial number of the 16-digit card number, the card number assignment unit 1125 is It is preferable to generate a predetermined affiliate card number including a rental card number, a card issuing agency information number, a card type number, and a check digit corresponding to the nine-digit serial number.

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

According to an embodiment of the present invention, when a predetermined cooperation card number is assigned by the card number assignment unit 1125, the information transmission / reception unit 1120 may be a card company server provided in the card issuer through the communication means. Transmits the affiliate card number assigned by the card number assignment unit 1125 to the card number assignment unit 1125; and a card verification value (or verification code) corresponding to the affiliate card number from the card company server 110 (eg, a visa card). It is preferable to receive the CVV (Card Verification Value), Master Card CVC (Card Validation Code), American Express Card CID (Confidential Identifier Number or Card Identification Number), and the card verification value in the rental card number (Or verification code) or when the card number assignment unit 1125 is provided with the card verification value (or verification code) generation function, the information transmitting and receiving unit 1120 is damaged. The ability to transmit and receive a card verification value (or validation code) for in-network card numbers but may be omitted.

When the association card number is generated (or extracted) as described above, the card information generation unit 1130 may generate predetermined association card information including the association card number.

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

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

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

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

When predetermined affiliated card information included in the affiliated card is generated by the card information generator 1130, the utilization setting unit 1135 sets a predetermined amount of money according to the utilization policy of the card issuing affiliated institution. Characterized in that the issuing affiliated institution is set to the usage amount that is assigned to the affiliated card.

Alternatively, the utilization setting unit 1135 may determine the customer grade set by the card issuing affiliate institution or the loyalty of the customer to the card issuing affiliate institution based on the customer information included in the card registration application information. In consideration of the above, the predetermined amount is set as a usage amount which the card issuing affiliate institution gives to the affiliate card.

Alternatively, the utilization setting unit 1135 checks the credit rating of the customer in association with at least one credit evaluation server (not shown) based on the customer information included in the card registration application information, and then corresponds to the credit rating. It is characterized in that the predetermined amount of money is set to the utilization amount that the card issuing affiliated organization gives to the affiliated card.

Alternatively, the utilization setting unit 1135 checks the account balance of the customer in association with at least one financial company server (not shown) based on the customer information included in the card registration application information, and then corresponds to the account balance. It is characterized by setting a certain amount of money to the utilization amount that the card issuing affiliated organization gives to the affiliated card.

Alternatively, the utilization setting unit 1135 requests the credit limit amount information of the customer to the card company server 110 provided in the card issuing agency based on the customer information included in the card registration application information, Characterized in that a certain percentage of the amount corresponding to the credit limit amount to be confirmed is characterized in that the card issuance affiliated institutions to set the amount of the usage amount that the affiliated card.

Those skilled in the art to which the present invention pertains, in addition to the usage setting method described above, it is possible to infer various implementation methods in which the card issuing affiliate institution gives a predetermined usage amount to the affiliate card. The invention is characterized in that it comprises all the methods of inference.

According to the exemplary embodiment of the present invention, the utilization setting unit 1135 sets approval target information for each limit including at least one or more affiliate store information (or affiliate store group information) to be paid and processed through the set utilization amount. And / or to set the per-approval target information including at least one or more one-time payment amount or daily / weekly / monthly payment amount to be processed through the set utilization amount, and / or the affiliate card is online. Limit to allow the payment amount to be processed through the utilization amount when the payment is made through the payment channel, or to process the payment amount through the utilization amount when the payment is processed through the offline payment channel. It is desirable to set the approval target information.

According to another exemplary embodiment of the present invention, the approval target information for each limit includes information for first subtracting the payment amount through the affiliate card from the utilization amount regardless of the payment condition corresponding to the partnership card. It is possible that the present invention is not limited thereby.

When predetermined affiliated card information included in the affiliated card is generated by the card information generator 1130, the applet generator 1185 may include a predetermined card applet (or IC chip storage information) including the affiliated card information. The card applet (or IC chip storage information) is recorded in a wireless IC chip provided in the customer wireless terminal and has a file structure operable on a chip operating system (COS) on the wireless IC chip. It is preferable to comprise.

When the card applet (or IC chip storage information) is generated by the applet generating unit 1185, 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.

Thereafter, the information storage unit 1140 may include the customer information included in the card registration application information received from the customer through the information receiving unit 1110, the generated affiliate card information, card attribute information of the affiliate card, and the like. The storage card 1175 stores the affiliate card issuance information including at least one usage amount information of the affiliate card and approval target information for each limit.

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 on 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.

In addition, the utilization amount information for the affiliated card is preferably made to include a predetermined amount of the limit given to the affiliated card by the card issuing affiliated institution, and then a part (or all) of the utilization amount is the card. It is preferable to deposit in the form of a customer allowance from the issuing affiliate institution to the card issuer.

According to an exemplary embodiment of the present invention, the approval target information for each limit includes at least one merchant information (or merchant group information), payment amount information, online / offline payment channel information, etc. to be paid and processed through the utilization amount. It is preferable to comprise at least one or more.

According to another exemplary embodiment of the present invention, the approval target information for each limit may include information for first subtracting the payment amount through the affiliate card from the usage amount regardless of the payment condition corresponding to the affiliate card. It is possible, and the invention is not limited thereby.

Referring to FIG. 11, the card company server 110 of the card issuing organization connected to the affiliate server 100 through a predetermined communication means receives a predetermined affiliate card number from the affiliate server 100 through the communication means. The information transmitting / receiving unit 1150 (or information receiving unit) that receives (or receives a card verification value (or verification code) request information) and the predetermined information from the affiliate server 100 through the information transmitting / receiving unit 1150. When receiving an affiliate card number (or a card verification value (or verification code) is requested), the verification information generation unit 1155 for generating a predetermined card verification value (or verification code) corresponding to the affiliate card number. It characterized in that it comprises a, wherein the information transmitting and receiving unit 1150 (or information transmission means) to transmit the card verification value (or verification code) corresponding to the affiliate card number to the affiliate server 100 It features.

If one of ordinary skill in the art belongs to the verification information, the verification information generation unit 1155 is a 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.

Referring to FIG. 11, the card company server 110 of the card issuing organization connected to the affiliate server 100 through a predetermined communication means is connected to the issued affiliate card from the affiliate server 100 through the communication means. An information transmitting / receiving unit 1150 (or information receiving means) for receiving affiliate card issuance information including at least one corresponding customer information, affiliate card information, and card attribute information corresponding to the affiliate card; and the received customer information. And an information storage unit 1160 for storing, in the predetermined card information D / B 1180, the affiliate card operation information in which the affiliate card information and the card attribute information are linked to the affiliated agency information corresponding to the card issuing affiliated institution. Characterized in that made.

Referring to FIG. 11, the card company server 110 of the card issuing organization connected to the affiliate server 100 through a predetermined communication means may limit a predetermined card limit amount for the affiliate card and the card limit amount. The card limit setting unit 1165 (or card limit setting means) for setting an approval target for each card, and the card limit amount information and the authorization target information for each limit on the card limit amount in the partnership card operation information. An information storage unit 1160 (or information storage means) to be stored in the information D / B 1180, and information on the card limit amount information and the authorization target information for each limit on the card limit amount through the communication means are provided through the affiliate server. Characterized in that it comprises an information transmitting and receiving unit 1150 (or information transmission means) for transmitting to (100).

If the affiliated card includes a credit card attribute, the card limit setting unit 1165 checks the credit level of the customer who is issued the affiliate card, and then sets a predetermined credit limit amount corresponding to the credit limit. It characterized in that it is set to.

Alternatively, when the affiliated card includes a check card / debit card attribute, the card limit setting unit 1165 checks a customer account associated with the affiliated card and sets the customer account balance as the card limit amount. It is characterized by.

According to the exemplary embodiment of the present invention, the card limit setting unit 1165 may set approval target information for each limit including at least one or more affiliate store information (or affiliate store group information) to be processed for payment through the set card limit amount. And / or to set a limit authorization information including at least one one-time payment amount or a daily / weekly / monthly payment amount to be processed through the set credit limit amount, and / or the affiliate card is online. Limit to allow payment through the card limit amount if the payment is made through the payment channel or to pay through the card limit amount if the payment is made through the offline payment channel. It is desirable to set the approval target information.

According to another exemplary embodiment of the present invention, the approval target information for each limit may be set to first subtract the payment amount through the affiliate card from the card limit amount, regardless of the payment condition corresponding to the affiliate card, or the affiliate server ( It is possible to include information to first subtract from the usage amount registered in 100), whereby the present invention is not limited.

Thereafter, the affiliated card management information stored in the card information D / B 1180 is used by the card issuing organization to provide a payment service or various additional services in association with at least one affiliated store.

According to an embodiment of the present invention, the card information D / B 1180 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 1180 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 1180 may include an online payment system, and / or a WAP-based wireless payment system, and / or an IC chip provided in (or associated with) the card issuer. It is possible to be provided in the DBMS on at least one or more of the base wireless payment system, and / or the tele payment system, whereby the present invention is not limited.

According to another embodiment of the present invention, the card information D / B 1180 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.

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

In more detail, in FIG. 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) 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 shows a process of issuing a predetermined affiliate card through the card number rental to the customer based on the card registration application information, specifically, a rental card number D / B (270) for storing the rental card number; ) Illustrates an implementation method provided in the card issuing affiliated institution.

Those skilled in the art to which the present invention pertains can deduce various implementation methods for issuing the affiliated card for issuing the affiliated card through leasing the card number by referring to and / or modifying the drawing 12. It will be appreciated that the present invention encompasses all of the inferred implementation methods and is not limited to the implementation method shown in FIG.

For example, FIG. 12 illustrates that the affiliate card is produced and provided (or delivered) to the customer, and then the affiliate card issuance information is stored in the storage medium 275. The process of storing the predetermined affiliate card issuance information in the storage medium 275 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 100 is referred to as a "server" for convenience.

Referring to FIG. 12, in order to issue the affiliated card for issuing the affiliated card through lease of the card number, the customer is prescribed through a face-to-face card registration interface (eg, the card registration application and the employee terminal and network means). When a card registration application (for example, a document having a form for filling in at least one information item for issuance of an affiliate card through lease of the card number) is completed and submitted to an affiliated employee, the terminal is connected by the affiliated employee. The card registration application information corresponding to the card registration application prepared by the customer is input (or selected) through a predetermined user interface (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 and at least one or more kinds of card attribute information for setting card attributes for the affiliated card.

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

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.

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

In addition, validity confirmation for issuing the alliance card to the customer includes subscriber management means (for example, subscriber information D / B (not shown) and subscription management server (not shown)) on the wireless communication network corresponding to the customer wireless terminal information. Etc.), it is preferable to include checking whether the customer wireless terminal information is valid.

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 to issue the affiliate card to the customer is authenticated through the card registration application information (1215), the server stores at least one rental card number based on the card registration application information lease card number The rental card number to be assigned to the affiliate card is extracted from the D / B 270 and assigned to the affiliate card number (1225).

Thereafter, the server transmits the affiliate card number to the card company server 110 that has leased the lease card number through the communication means, and then a verification value (or verification code) corresponding to the affiliate card number to the card company server 110. Request a card verification value (or verification code) corresponding to the affiliate card number from the card company server 110 (or 1230), and the affiliate card number and card verification value (or verification code). Predetermined affiliate card information is generated (1235).

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

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

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

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

Thereafter, the server sets usage amount information including a predetermined limit amount assigned to the affiliate card by the card issuing affiliate institution and approval target information for each limit on the utilization amount (1240).

According to the implementation method of the present invention, the server preferably sets a certain amount of money to be used by the card issuing affiliate to the affiliated card according to the utilization policy of the card issuing affiliate.

Alternatively, the server may set the predetermined amount in consideration of the customer grade set by the card issuing affiliate institution or the loyalty of the customer to the card issuing affiliate institution based on the customer information included in the card registration application information. It is preferable that the card issuance affiliated institution set the usage amount to be assigned to the affiliated card.

Alternatively, the server checks the credit rating of the customer in connection with at least one credit rating server (not shown) based on the customer information included in the card registration application information, and then, the server determines a predetermined amount of money corresponding to the credit rating. It is preferable that the card issuance affiliated institution set the usage amount to be assigned to the affiliated card.

Alternatively, the server checks the account balance of the customer in connection with at least one financial company server (not shown) based on the customer information included in the card registration application information, and then sets a predetermined amount of money corresponding to the account balance. It is preferable that the card issuance affiliated institution set the usage amount to be assigned to the affiliated card.

Or, the server requests the credit limit amount information of the customer to the card company server 110 provided in the card issuing agency based on the customer information included in the card registration application information, and the credit limit amount to be confirmed It is preferable to set the corresponding fixed amount of money to the utilization amount that the card issuing affiliate institution gives to the affiliate card.

Those skilled in the art to which the present invention pertains, in addition to the usage setting method described above, it is possible to infer various implementation methods in which the card issuing affiliate institution gives a predetermined usage amount to the affiliate card. It is preferable that the invention includes all the methods of inferring the above.

According to an exemplary embodiment of the present invention, the server sets approval target information for each limit including at least one or more affiliate store information (or affiliate store group information) to be processed for payment through the set utilization amount, and / or the set Set per-approval authorization information that includes at least one one-time payment amount, or at least one daily / weekly / monthly payment amount through a usage amount; and / or the affiliate card processes payment through an online payment channel. If the payment amount is processed through the utilization amount, or if the payment is processed through the offline payment channel, the approval target information for each limit to allow the payment amount to be processed through the utilization amount. It is preferable to set.

According to another exemplary embodiment of the present invention, the approval target information for each limit may include information for first subtracting the payment amount through the affiliate card from the usage amount regardless of the payment condition corresponding to the affiliate card. It is possible, and the invention is not limited thereby.

If the utilization amount information for the affiliate card and the authorization target information for each limit on the utilization amount are set (1245), the server provides a predetermined card applet including the generated (or extracted) affiliate card information ( Or IC chip storage information) (1250), and the generated card applet (or IC chip storage information) to the customer wireless terminal through a wireless communication network corresponding to the customer wireless terminal information included in the card registration application information. Transmit (1255).

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 application information to check a wireless communication network corresponding to the customer wireless terminal information, and provides a predetermined applet 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 the server (1190).

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 1190 to the customer wireless terminal (eg, 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). (1260).

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 275 (1265).

Here, the customer information included in the affiliated card issuance information may include personal information (for example, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.) of the card registration customer, and the customer. 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 for the card attribute information, so a detailed description thereof will be omitted.

In addition, the utilization amount information for the affiliated card is preferably made to include a predetermined amount of the limit given to the affiliated card by the card issuing affiliated institution, and then a part (or all) of the utilization amount is the card. It is preferable to deposit in the form of a customer allowance from the issuing affiliate institution to the card issuer.

According to an exemplary embodiment of the present invention, the approval target information for each limit includes at least one merchant information (or merchant group information), payment amount information, online / offline payment channel information, etc. to be paid and processed through the utilization amount. It is preferable to comprise at least one or more.

According to another exemplary embodiment of the present invention, the approval target information for each limit may include information for first subtracting the payment amount through the affiliate card from the usage amount regardless of the payment condition corresponding to the affiliate card. It is possible, and the invention is not limited thereby.

Thereafter, the server issues the at least one affiliate card including at least one of customer information corresponding to the affiliate card, card information, and card attribute information to the card company server 110 through the communication means. In operation 1270, the card company server 110 stores the affiliate card operation information further including the card issuing affiliate information in the affiliate card issuing information in a predetermined card information D / B 280. (1275).

In addition, the card company server 110 sets predetermined credit limit amount information for the affiliated card and approval target information for each limit on the card limit amount (1280).

According to an embodiment of the present invention, when the affiliate card includes a credit card attribute, the card company server 110 checks the credit rating of the customer who is issued the affiliate card, and then predetermined credit limit corresponding to the customer credit rating. It is preferable to set the amount of money to the card limit amount of money.

According to another embodiment of the present invention, when the affiliate card includes a check card / debit card attribute, the card company server 110 checks the customer account associated with the affiliate card, and stores the customer account balance on the card. It is preferable to set the limit amount.

In addition, the card company server 110 sets the permissible information for each limit including at least one or more merchant information (or merchant group information) to be settled through the set credit limit amount, and / or the set credit limit. Setting a per-approval target information that includes at least one payment amount per day or at least one daily / weekly / monthly payment amount, and / or the affiliate card is processed through an online payment channel. If the payment amount is processed through the card limit amount, or if the payment is processed through the offline payment channel, setting the target information for each limit to allow the payment amount to be processed through the card limit amount. It is preferable.

According to another exemplary embodiment of the present invention, the card company server 110 allows the approval target information for each limit to be first subtracted from the card limit amount of the payment amount through the affiliate card regardless of the payment condition corresponding to the affiliate card. Or, it may be made to include information to first subtract from the usage amount registered in the affiliate server 100, whereby the present invention is not limited.

If the predetermined card limit amount information for the affiliated card and the approval target information for each limit on the card limit amount are set (1285), the card company server 110 may determine the card limit amount information and the card limit amount. The authorization target information for each limit is included in the affiliate card operation information and stored in the card information D / B 280 (1290).

According to an embodiment of the present invention, the card information D / B 280 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 280 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 280 is an online payment system, and / or a WAP-based wireless payment system, and / or an IC chip provided in (or associated with) the card issuer. It is possible to be provided in the DBMS on at least one or more of the base wireless payment system, and / or the tele payment system, whereby the present invention is not limited.

According to another embodiment of the present invention, the card information D / B 280 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 110 transmits the set card limit amount information and the authorization target information for each limit on the card limit amount to the server through the communication means (1295). In operation 1299, the affiliated card issuance information stored in the medium 275 further includes the card limit amount information and the authorization target information for each limit on the card limit amount.

FIG. 13 is a diagram illustrating a card registration process for issuing an affiliate card by renting a 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 accessing the affiliate server 100 through the input (or select) the predetermined card registration application information and transmits, the affiliate server 100 leases the card number to the customer based on the card registration application information As a process of issuing a predetermined cooperation card through the above, specifically, it illustrates a method of implementing a lease card number D / B 270 for storing the lease card number in the card issuing affiliated institution.

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 affiliate card is produced and provided (or shipped) to the customer, and then the affiliate card issuance information is stored in the storage medium 275. The process of storing the predetermined affiliate card issuance information in the storage medium 275 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 100 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 through leasing the 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 and at least one or more kinds of card attribute information for setting card attributes for the affiliated card.

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

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.

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

In addition, validity confirmation for issuing the alliance card to the customer includes subscriber management means (for example, subscriber information D / B (not shown) and subscription management server (not shown)) on the wireless communication network corresponding to the customer wireless terminal information. Etc.), it is preferable to include checking whether the customer wireless terminal information is valid.

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 to issue the affiliate card to the customer is authenticated through the card registration application information (1320), the server stores at least one rental card number based on the card registration application information lease card number The lease card number to be allocated to the affiliate card is extracted from the D / B 270 and assigned to the affiliate card number (1330).

Thereafter, the server transmits the affiliate card number to the card company server 110 that has leased the lease card number through the communication means, and then a verification value (or verification code) corresponding to the affiliate card number to the card company server 110. ), And in response thereto receives a card verification value (or verification code) corresponding to the affiliate card number from the card company server 110 (1335), and the affiliate card number and card verification value (or verification code). Predetermined affiliate card information is included (1340).

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

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

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

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

Thereafter, the server sets usage amount information including a predetermined limit amount assigned to the affiliate card by the card issuing affiliate institution and approval target information for each limit on the usage amount (1345).

According to the implementation method of the present invention, the server preferably sets a certain amount of money to be used by the card issuing affiliate to the affiliated card according to the utilization policy of the card issuing affiliate.

Alternatively, the server may set the predetermined amount in consideration of the customer grade set by the card issuing affiliate institution or the loyalty of the customer to the card issuing affiliate institution based on the customer information included in the card registration application information. It is preferable that the card issuance affiliated institution set the usage amount to be assigned to the affiliated card.

Alternatively, the server checks the credit rating of the customer in connection with at least one credit rating server (not shown) based on the customer information included in the card registration application information, and then, the server determines a predetermined amount of money corresponding to the credit rating. It is preferable that the card issuance affiliated institution set the usage amount to be assigned to the affiliated card.

Alternatively, the server checks the account balance of the customer in connection with at least one financial company server (not shown) based on the customer information included in the card registration application information, and then sets a predetermined amount of money corresponding to the account balance. It is preferable that the card issuance affiliated institution set the usage amount to be assigned to the affiliated card.

Or, the server requests the credit limit amount information of the customer to the card company server 110 provided in the card issuing agency based on the customer information included in the card registration application information, and the credit limit amount to be confirmed It is preferable to set the corresponding fixed amount of money to the utilization amount that the card issuing affiliate institution gives to the affiliate card.

Those skilled in the art to which the present invention pertains, in addition to the usage setting method described above, it is possible to infer various implementation methods in which the card issuing affiliate institution gives a predetermined usage amount to the affiliate card. It is preferable that the invention includes all the methods of inferring the above.

According to an exemplary embodiment of the present invention, the server sets approval target information for each limit including at least one or more affiliate store information (or affiliate store group information) to be processed for payment through the set utilization amount, and / or the set Set per-approval authorization information that includes at least one one-time payment amount, or at least one daily / weekly / monthly payment amount through a usage amount; and / or the affiliate card processes payment through an online payment channel. Set the approval target information for each limit to allow the payment amount to be processed through the utilization amount or to process the payment amount through the utilization amount when the payment is processed through the offline payment channel. It is desirable to.

According to another exemplary embodiment of the present invention, the approval target information for each limit may include information for first subtracting the payment amount through the affiliate card from the usage amount regardless of the payment condition corresponding to the affiliate card. It is possible, and the invention is not limited thereby.

If the utilization amount information for the affiliate card and the authorization target information for each limit on the utilization amount are set (1350), the server may include a predetermined card applet including the generated (or extracted) affiliate card information ( Or IC chip storage information) (1355), and the generated card applet (or IC chip storage information) is transferred to the customer wireless terminal through a wireless communication network corresponding to the customer wireless terminal information included in the card registration application information. Send (1360).

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 1190.

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 1190 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). (1365).

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 275 (1370).

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 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.

In addition, the utilization amount information for the affiliated card is preferably made to include a predetermined amount of the limit given to the affiliated card by the card issuing affiliated institution, and then a part (or all) of the utilization amount is the card. It is preferable to deposit in the form of a customer allowance from the issuing affiliate institution to the card issuer.

According to an exemplary embodiment of the present invention, the approval target information for each limit includes at least one merchant information (or merchant group information), payment amount information, online / offline payment channel information, etc. to be paid and processed through the utilization amount. It is preferable to comprise at least one or more.

According to another exemplary embodiment of the present invention, the approval target information for each limit may include information for first subtracting the payment amount through the affiliate card from the usage amount regardless of the payment condition corresponding to the affiliate card. It is possible, and the invention is not limited thereby.

Thereafter, the server issues the at least one affiliate card including at least one of customer information corresponding to the affiliate card, card information, and card attribute information to the card company server 110 through the communication means. In operation 1375, the card company server 110 stores the affiliate card operation information further including the card issuing affiliate information in the affiliate card issuing information in a predetermined card information D / B 280 ( 1380).

In addition, the card company server 110 sets predetermined card limit amount information on the affiliate card and approval target information for each limit on the card limit amount (1385).

According to an embodiment of the present invention, when the affiliate card includes a credit card attribute, the card company server 110 checks the credit rating of the customer who is issued the affiliate card, and then predetermined credit limit corresponding to the customer credit rating. It is preferable to set the amount of money to the card limit amount of money.

According to another embodiment of the present invention, when the affiliate card includes a check card / debit card attribute, the card company server 110 checks the customer account associated with the affiliate card, and stores the customer account balance on the card. It is preferable to set the limit amount.

In addition, the card company server 110 sets the permissible information for each limit including at least one or more merchant information (or merchant group information) to be settled through the set credit limit amount, and / or the set credit limit. Setting a per-approval target information that includes at least one payment amount per day or at least one daily / weekly / monthly payment amount, and / or when the affiliate card is processed through an online payment channel. It is recommended to set the subject-specific authorization information to allow the payment amount to be processed through the card limit amount or to process the payment amount through the card limit amount when the payment amount is processed through the offline payment channel. desirable.

According to another exemplary embodiment of the present invention, the card company server 110 allows the approval target information for each limit to be first subtracted from the card limit amount of the payment amount through the affiliate card regardless of the payment condition corresponding to the affiliate card. Or, it may be made to include information to first subtract from the usage amount registered in the affiliate server 100, whereby the present invention is not limited.

If the predetermined card limit amount information for the affiliated card and the approval target information for each limit on the card limit amount are set (1390), the card company server 110 may determine the card limit amount information and the card limit amount. The authorization target information for each limit is included in the affiliated card management information and stored in the card information D / B 280 (1395).

According to an embodiment of the present invention, the card information D / B 280 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 280 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 280 is an online payment system, and / or a WAP-based wireless payment system, and / or an IC chip provided in (or associated with) the card issuer. It is possible to be provided in the DBMS on at least one or more of the base wireless payment system, and / or the tele payment system, whereby the present invention is not limited.

According to another embodiment of the present invention, the card information D / B 280 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 110 transmits the set card limit amount information and the authorization target information for each limit on the card limit amount to the server through the communication means (1397). The affiliated card issuance information stored in the medium 275 further includes the card limit amount information and the limit subject approval information for the card limit amount (1399).

FIG. 14 is a diagram illustrating a card registration system for issuing an affiliate card in the form of a card applet (or IC chip storage information) through a batch lease of card numbers according to another embodiment of the present invention.

More specifically, FIG. 14 shows a card issuing affiliated institution by a customer who owns a wireless terminal equipped with a predetermined wireless IC chip (for example, a financial IC chip or a USIM (Universal Subscriber Identity Module)) through a predetermined card registration interface. By providing card registration application information for issuing an affiliate card through a predetermined card number lease, the card issuing affiliated agency provides a wireless IC chip provided to the customer to the customer based on the provided card registration application information. A system configuration for issuing an affiliate card in the form of a card applet (or IC chip storage information), specifically, a rental card number D / B 1470 for storing the rental card number is provided in the card issuing institution. The method is shown.

Those skilled in the art to which the present invention pertains can refer to and / or modify this drawing 14 to infer various implementation methods for the configuration of a card registration system for issuing an affiliated card through leasing the card number. However, the present invention includes all the implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

Hereinafter, a card applet (or 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 in the form of a &quot; partner server 100 &quot; for convenience, and the card issuing affiliated agency provided with the affiliate server 100 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. 14 according to an embodiment of the present invention, a card registration system for issuing an affiliate card through leasing the card number may be used by an employee of an affiliated employee provided in at least one card issuer (or financial institution). And / or a client terminal including at least one wired terminal and / or a wireless terminal used by the customer when the card registration system supports a non-face-to-face card registration application. Characterized in that the employee terminal and / or client terminal is connected to the communication channel and the affiliate server 100 provided in the card issuing affiliate institution through a predetermined network means.

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

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

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

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

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

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

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

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

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

According to another embodiment of the present invention, when the card registration system supports a non-face-to-face card registration application, the card registration terminal, 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 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.

According to an embodiment of the present invention, the rental card number D / B 1470 provided in the card issuing organization is leased so that the card issuing institution is allocated to at least one or more affiliate cards registered through the card issuing affiliate institution. It is preferable to include at least one card number, it is preferable that the card issuance further comprises the card issuing affiliated information to lease the lease card number.

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

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

The storage medium 1475 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 issuance information including at least one affiliated card information and card attribute information, wherein the affiliated card issuing information stored in the storage medium 1475 is leased by the card issuing agency. It is used to provide affiliate card related services through.

According to another exemplary embodiment of the present invention, the storage medium 1475 may be connected to a predetermined DBMS interoperating with a server (or device) that performs a predetermined information processing function using the affiliated card issuing information in the card issuing affiliated institution. Preferably, the storage medium 1475 may be provided at various locations according to the intention of those skilled in the art, and the present invention is not limited thereto.

The affiliate server 100 provided in the card issuing affiliate institution is a generic term for the card issuing affiliate institution component connected to the card registration terminal 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 may be provided with an interface unit 1400 (or interface means) for providing a predetermined card registration interface to the card registration terminal through the network means. do.

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 unit 1400 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 1400 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 a browser program corresponding to a Hyper-Text Transfer Protocol (HTTP) protocol is provided in the client terminal, the interface unit 1400 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 1400 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 1400 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 1400 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 100, the interface unit 1400 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. 14, the affiliate server 100 is connected with the interface unit 1400 when a predetermined card registration terminal is connected to the affiliate server 100 through the interface unit 1400. An interface providing unit 1405 (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 1410 (or information receiving means) for receiving predetermined card registration application information inputted (or selected) and transmitted from the card registration terminal through the user interface in association with the interface unit 1400; Validation unit 1415 (or validity) for checking the validity of issuing the affiliate card to the customer based on the registered card registration application information Sex authentication means), and through the communication means to access the lease card number D / B (1470) provided in the card issuing agency to obtain a predetermined lease card number of the at least one lease card number to register the affiliated card A card number assignment unit 1425 (or card number assignment means) for allocating a predetermined affiliate card number to the card information generation unit 1430 for generating predetermined affiliate card information including the affiliate card number. Information generation means) and a usage setting unit 1435 (or usage degree) for setting a usage amount assigned to the customer by the card issuing affiliated institution and an approval object for each limit on the usage amount corresponding to the affiliated card. Setting means), an applet generating unit 1485 (or applet generating means) for generating a predetermined card applet (or IC chip storage information) including the association card information; A card issuing unit 1445 for issuing the alliance card by providing the card applet (or IC chip storage information) to the customer wireless terminal through a wireless communication network so as to be recorded on a wireless IC chip provided in the customer wireless terminal. Or a card issuing means) and an information storage unit 1440 (or information storing means) for storing the affiliated card issuance information corresponding to the affiliated card issued to the customer in the storage medium 1475. do.

In addition, the affiliate server 100 after the predetermined partnership card is issued through the card issuing unit 1445, the predetermined through the communication means (for example, a dedicated communication network, or a secure communication network based on encrypted communication) The card company server 110 provided in the card issuing organization is characterized in that it comprises an information transmitting and receiving unit 1420 for transmitting the customer information, card information, and card attribute information corresponding to the partnership card.

In addition, the information transmitting and receiving unit 1420 is a lease card number D / B (1470) provided in the card issuing organization through the communication means for assigning a predetermined cooperation card number by the card number assignment unit 1425 ) Transmits predetermined card number request information to a DBMS (or DB server) managing the same, and receives a predetermined rental card number and provides the card number allocation unit 1425 to the card number allocating unit 1425 or the card. When the number assignment unit 1425 can access the DBMS (or DB server) managing the rental card number D / B 1470 provided in the card issuing organization through the communication means, the information transmission time unit is Transmission of the card number request information can be omitted, and the present invention is not limited thereby.

In addition, when a predetermined cooperation card number is assigned by the card number assignment unit 1425, the information transmitting and receiving unit 1420 sends the card to the card company server 110 provided in the card issuing organization through the communication means. The affiliate card number assigned by the number assignment unit 1425 is transmitted, and a card verification value (or verification code) corresponding to the affiliate card number from the card company server 110 (for example, a CVV (Card Verification) of a visa card. Value), CVC (Card Validation Code) of the master card, CID (Confidential Identifier Number or Card Identification Number) of the American Express card, and the like, and the card verification value (or verification code) in the rental card number ), The function of transmitting and receiving the card verification value (or verification code) for the affiliated card number may be omitted.

The interface providing unit 1405, when a predetermined card registration terminal is connected to the affiliate server 100 through the interface unit 1400, 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 extracted from a predetermined database (not shown), and with the interface unit 1400 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.

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 1405 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 created (or extracted) user interface to the employee terminal through the interface unit 1400.

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 providing unit 1405 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 1400.

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 providing unit 1405 is a browser program provided in the client terminal and / 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 1400.

When the information receiving unit 1410 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 1400 to register the card. And receiving the application information, and providing the received card registration application information to the validity authentication unit 1415.

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

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

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.

The validity authentication unit 1415 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.

In addition, validity confirmation for issuing the alliance card to the customer includes subscriber management means (for example, subscriber information D / B (not shown) and subscription management server (not shown)) on the wireless communication network corresponding to the customer wireless terminal information. Etc.), it is preferable to include checking whether the customer wireless terminal information is valid.

The card number allocating unit 1425 is provided from the rental card number D / B 1470 in association with a DBMS (or DB server) provided in the card issuing organization based on the card registration application information through the communication means. And identifying (or receiving) a predetermined lease card number to be assigned to the affiliated card, generating (or extracting) a predetermined affiliate card number including the lease card number, and assigning it to the affiliated card.

According to an embodiment of the present invention, when the lease card number D / B 1470 is provided with a 16-digit lease card number, the card number allocator 1425 is a predetermined lease card number among the lease card numbers. It is preferable to extract by the affiliate card number.

According to another embodiment of the present invention, when the rental card number D / B 1470 is provided with a rental card number including a 9-digit serial number of the 16-digit card number, the card number assignment unit 1425 is It is preferable to generate a predetermined affiliate card number including a rental card number, a card issuing agency information number, a card type number, and a check digit corresponding to the nine-digit serial number.

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

According to the exemplary embodiment of the present invention, when a predetermined cooperation card number is assigned by the card number assignment unit 1425, the information transmission / reception unit 1420 may be provided with a card company server provided in the card issuer through the communication means. Transmits the affiliate card number assigned by the card number assignment unit 1425 to the card number 110, and a card verification value (or verification code) corresponding to the partnership card number from the card company server 110 (eg, a visa). It is preferable to receive a CVV (Card Verification Value) of a card, a Card Validation Code (CVC) of a master card, a CID (Confidential Identifier Number or Card Identification Number) of an American Express card, and the card verification in the rental card number. If the value (or verification code) is included, or if the card number assignment unit 1425 is equipped with the function to generate the card verification value (or verification code), the information transmitting and receiving unit 1420 The function of transmitting / receiving a card verification value (or verification code) for the existing affiliate card number may be omitted.

When the association card number is generated (or extracted) as described above, the card information generation unit 1430 may generate predetermined association card information including the association card number.

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

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

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

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

When predetermined affiliated card information included in the affiliated card is generated by the card information generating unit 1430, the utilization setting unit 1435 sets a predetermined amount of money according to the utilization policy of the card issuing affiliated institution. Characterized in that the issuing affiliated institution is set to the usage amount that is assigned to the affiliated card.

Alternatively, the utilization setting unit 1435 may determine the customer grade set by the card issuing affiliate institution or the customer's loyalty to the card issuing affiliate institution based on the customer information included in the card registration application information. In consideration of the above, the predetermined amount is set as a usage amount which the card issuing affiliate institution gives to the affiliate card.

Alternatively, the utilization setting unit 1435 confirms the credit rating of the customer in association with at least one credit evaluation server (not shown) based on the customer information included in the card registration application information, and then corresponds to the credit rating. It is characterized in that the predetermined amount of money is set to the utilization amount that the card issuing affiliated organization gives to the affiliated card.

Alternatively, the utilization setting unit 1435 confirms the account balance of the customer in association with at least one financial company server (not shown) based on the customer information included in the card registration application information, and then corresponds to the account balance. It is characterized by setting a certain amount of money to the utilization amount that the card issuing affiliated organization gives to the affiliated card.

Alternatively, the utilization setting unit 1435 requests the credit card amount information of the customer from the card company server 110 provided in the card issuing agency based on the customer information included in the card registration application information. Characterized in that a certain percentage of the amount corresponding to the credit limit amount to be confirmed is characterized in that the card issuance affiliated institutions to set the amount of the usage amount that the affiliated card.

Those skilled in the art to which the present invention pertains, in addition to the above-described usage setting method, it is possible to infer various implementation methods in which the card issuing affiliate institution gives a predetermined usage amount to the affiliate card. The invention is characterized in that it comprises all the methods of inference.

According to the exemplary embodiment of the present invention, the utilization setting unit 1435 may set approval target information for each limit including at least one or more affiliate store information (or affiliate store group information) to be paid and processed through the set utilization amount. And / or to set the per-approval target information including at least one or more one-time payment amount or daily / weekly / monthly payment amount to be processed through the set utilization amount, and / or the affiliate card is online. Limit to allow the payment amount to be processed through the utilization amount when the payment is made through the payment channel, or to process the payment amount through the utilization amount when the payment is processed through the offline payment channel. It is desirable to set the approval target information.

According to another exemplary embodiment of the present invention, the approval target information for each limit may include information for first subtracting the payment amount through the affiliate card from the usage amount regardless of the payment condition corresponding to the affiliate card. It is possible, and the invention is not limited thereby.

When predetermined affiliated card information included in the affiliated card is generated by the card information generator 1430, the applet generator 1485 may store a predetermined card applet (or IC chip storage information) including the affiliated card information. The card applet (or IC chip storage information) is recorded in a wireless IC chip provided in the customer wireless terminal and has a file structure operable on a chip operating system (COS) on the wireless IC chip. It is preferable to comprise.

When the card applet (or IC chip storage information) is generated by the applet generating unit 1485, the card issuing unit 1445 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.

Thereafter, the information storage unit 1440 may include the customer information included in the card registration application information received from the customer through the information receiving unit 1410, the generated affiliate card information, card attribute information of the affiliate card, and the like. Characterized in that the storage card (1475) is stored in the partnership card issuance information including at least one of the usage amount information and the limit-specific approval target information for the alliance card.

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.

In addition, the utilization amount information for the affiliated card is preferably made to include a predetermined amount of the limit given to the affiliated card by the card issuing affiliated institution, and then a part (or all) of the utilization amount is the card. It is preferable to deposit in the form of a customer allowance from the issuing affiliate institution to the card issuer.

According to an exemplary embodiment of the present invention, the approval target information for each limit includes at least one merchant information (or merchant group information), payment amount information, online / offline payment channel information, etc. to be paid and processed through the utilization amount. It is preferable to comprise at least one or more.

According to another exemplary embodiment of the present invention, the approval target information for each limit may include information for first subtracting the payment amount through the affiliate card from the usage amount regardless of the payment condition corresponding to the affiliate card. It is possible, and the invention is not limited thereby.

Referring to FIG. 14, a card company server 110 of a card issuing organization connected to the affiliate server 100 through a predetermined communication means receives a predetermined affiliate card number from the affiliate server 100 through the communication means. The information transmitting and receiving unit 1450 (or information receiving means) for receiving (or receiving a card verification value (or verification code) request information) and the information transmitting and receiving unit 1450 from the affiliate server 100 through a predetermined number. When receiving an affiliate card number (or when a card verification value (or verification code) is requested), the verification information generation unit 1455 generating a predetermined card verification value (or verification code) corresponding to the affiliate card number. Characterized in that it comprises a, wherein the information transmitting and receiving unit 1450 (or information transmitting means) to transmit the card verification value (or verification code) corresponding to the affiliate card number to the affiliate server 100 It characterized.

If the person of ordinary skill in the art, the verification information generation unit 1455 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.

Referring to FIG. 14, the card company server 110 of the card issuing organization connected to the affiliate server 100 through a predetermined communication means is connected to the issued affiliate card from the affiliate server 100 through the communication means. An information sending / receiving unit 1450 (or information receiving means) for receiving affiliate card issuance information including at least one corresponding customer information, affiliate card information, and card attribute information corresponding to the affiliate card; and the received customer information. And an information storage unit 1460 for storing, in the predetermined card information D / B 1480, the affiliate card operation information in which the affiliate card information and the card attribute information are linked to the affiliated agency information corresponding to the card issuing affiliated institution. Characterized in that made.

Referring to FIG. 14, the card company server 110 of the card issuing organization, which is connected to the affiliate server 100 through a predetermined communication means, limits the predetermined card limit amount for the affiliate card and the card limit amount. The card limit setting unit 1465 (or card limit setting means) for setting an approval target for each card, and the card limit amount information and the approval target information for each limit on the card limit amount in the partnership card operation information. An information storage unit 1460 (or information storage means) stored in the information D / B 1480, and information on the card limit amount information and the authorization target information for each limit on the card limit amount are provided through the communication means. It is characterized by comprising an information transmitting and receiving unit 1450 (or information transmission means) for transmitting to (100).

If the affiliated card includes a credit card attribute, the card limit setting unit 1465 checks the credit rating of the customer who is issued the affiliate card, and then sets a predetermined credit limit amount corresponding to the credit limit of the card. It characterized in that it is set to.

Alternatively, when the affiliated card includes a check card / debit card attribute, the card limit setting unit 1465 checks a customer account associated with the affiliated card and sets the customer account balance as the card limit amount. It is characterized by.

According to the exemplary embodiment of the present invention, the card limit setting unit 1465 may set approval target information for each limit including at least one or more affiliate store information (or affiliate store group information) to be processed for payment through the set credit limit amount. And / or to set a limit authorization information including at least one one-time payment amount or a daily / weekly / monthly payment amount to be processed through the set credit limit amount, and / or the affiliate card is online. Limit to allow payment through the card limit amount if the payment is made through the payment channel or to pay through the card limit amount if the payment is made through the offline payment channel. It is desirable to set the approval target information.

According to another exemplary embodiment of the present invention, the approval target information for each limit may be set to first subtract the payment amount through the affiliate card from the card limit amount, regardless of the payment condition corresponding to the affiliate card, or the affiliate server ( It is possible to include information to first subtract from the usage amount registered in 100), whereby the present invention is not limited.

Thereafter, the affiliated card operation information stored in the card information D / B 1480 is used by the card issuer to provide a payment service or various additional services in association with at least one affiliated store.

According to an embodiment of the present invention, the card information D / B 1480 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 1480 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 1480 may include an online payment system, and / or a WAP-based wireless payment system, and / or an IC chip provided in (or associated with) the card issuer. It is possible to be provided in the DBMS on at least one or more of the base wireless payment system, and / or the tele payment system, whereby the present invention is not limited.

According to another embodiment of the present invention, the card information D / B 1480 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.

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

In more detail, in FIG. 15, in the card registration system shown in FIG. 14, 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 shows a process of issuing a predetermined affiliate card through the card number rental to the customer based on the card registration application information, specifically, a rental card number D / B (270) for storing the rental card number; ) Shows an implementation method provided in the card issuing engine.

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

For example, FIG. 15 illustrates that the affiliate card is produced and provided (or shipped) to the customer, and then the affiliate card issuance information is stored in the storage medium 275. The process of storing the predetermined affiliate card issuance information in the storage medium 275 may be performed before the affiliate card is produced or before the affiliate card is produced (or delivered) to the customer. The present invention is not limited.

Hereinafter, in FIG. 15, the card registration terminal shown in FIG. 14 is referred to as a "terminal" for convenience, and the affiliate server 100 is referred to as a "server" for convenience.

Referring to FIG. 15, in order to issue the affiliated card for issuing an affiliated card through leasing the card number, the customer is prescribed through a face-to-face card registration interface (eg, the card registration application, employee terminal, and network means). When a card registration application (for example, a document having a form for filling in at least one information item for issuance of an affiliate card through lease of the card number) is completed and submitted to an affiliated employee, the terminal is connected by the affiliated employee. The card registration application information corresponding to the card registration application prepared by the customer is input (or selected) through a predetermined user interface (1500), and the card registration application information is transmitted to the server through the network means (1505). .

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

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

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.

Thereafter, the server receives and reads the card registration request information from the terminal through the network means and issues the affiliated card through leasing the card number to the customer based on the customer information included in the card registration request information. The card registration validity for issuing the affiliate card is verified (1510).

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

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

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

In addition, validity confirmation for issuing the alliance card to the customer includes subscriber management means (for example, subscriber information D / B (not shown) and subscription management server (not shown)) on the wireless communication network corresponding to the customer wireless terminal information. Etc.), it is preferable to include checking whether the customer wireless terminal information is valid.

If the validity to issue the affiliate card to the customer is not authenticated through the card registration application information (1515), the server provides card registration error information to the customer through the card registration interface (1520). 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 (1515), the server is provided to the card issuer based on the card registration application information through the communication means. The lease card number D / B 270 requests and receives a lease card number to be assigned to the affiliate card and assigns it to the affiliate card number (1525).

Thereafter, the server transmits the affiliate card number to the card company server 110 that has leased the lease card number through the communication means, and then a verification value (or verification code) corresponding to the affiliate card number to the card company server 110. Request a card verification value (or verification code) corresponding to the affiliate card number from the card company server 110 in response thereto (1530), and the affiliate card number and card verification value (or verification code). Predetermined affiliate card information is generated (1535).

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

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

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

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

Thereafter, the server sets usage amount information including a predetermined limit amount assigned to the affiliate card by the card issuing affiliate institution and approval target information for each limit on the utilization amount (1540).

According to the implementation method of the present invention, the server preferably sets a certain amount of money to be used by the card issuing affiliate to the affiliated card according to the utilization policy of the card issuing affiliate.

Alternatively, the server may set the predetermined amount in consideration of the customer grade set by the card issuing affiliate institution or the loyalty of the customer to the card issuing affiliate institution based on the customer information included in the card registration application information. It is preferable that the card issuance affiliated institution set the usage amount to be assigned to the affiliated card.

Alternatively, the server checks the credit rating of the customer in connection with at least one credit rating server (not shown) based on the customer information included in the card registration application information, and then, the server determines a predetermined amount of money corresponding to the credit rating. It is preferable that the card issuance affiliated institution set the usage amount to be assigned to the affiliated card.

Alternatively, the server checks the account balance of the customer in connection with at least one financial company server (not shown) based on the customer information included in the card registration application information, and then sets a predetermined amount of money corresponding to the account balance. It is preferable that the card issuance affiliated institution set the usage amount to be assigned to the affiliated card.

Or, the server requests the credit limit amount information of the customer to the card company server 110 provided in the card issuing agency based on the customer information included in the card registration application information, and the credit limit amount to be confirmed It is preferable to set the corresponding fixed amount of money to the utilization amount that the card issuing affiliate institution gives to the affiliate card.

Those skilled in the art to which the present invention pertains, in addition to the usage setting method described above, it is possible to infer various implementation methods in which the card issuing affiliate institution gives a predetermined usage amount to the affiliate card. It is preferable that the invention includes all the methods of inferring the above.

According to an exemplary embodiment of the present invention, the server sets approval target information for each limit including at least one or more affiliate store information (or affiliate store group information) to be processed for payment through the set utilization amount, and / or the set Set per-approval authorization information that includes at least one one-time payment amount, or at least one daily / weekly / monthly payment amount through a usage amount; and / or the affiliate card processes payment through an online payment channel. Set the approval target information for each limit to allow the payment amount to be processed through the utilization amount or to process the payment amount through the utilization amount when the payment is processed through the offline payment channel. It is desirable to.

According to another exemplary embodiment of the present invention, the approval target information for each limit may include information for first subtracting the payment amount through the affiliate card from the usage amount regardless of the payment condition corresponding to the affiliate card. It is possible, and the invention is not limited thereby.

If the utilization amount information for the affiliate card and the approval target information for each limit on the utilization amount are set (1545), the server generates a predetermined card applet including the generated (or extracted) affiliate card information ( Or IC chip storage information) (1550), and the generated card applet (or IC chip storage information) is transferred to the customer wireless terminal through a wireless communication network corresponding to the customer wireless terminal information included in the card registration application information. Transmit (1555).

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 1490.

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 1490 to the customer wireless terminal (eg, 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). (1560).

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 275 (1565).

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.

In addition, the utilization amount information for the affiliated card is preferably made to include a predetermined amount of the limit given to the affiliated card by the card issuing affiliated institution, and then a part (or all) of the utilization amount is the card. It is preferable to deposit in the form of a customer allowance from the issuing affiliate institution to the card issuer.

According to an exemplary embodiment of the present invention, the approval target information for each limit includes at least one merchant information (or merchant group information), payment amount information, online / offline payment channel information, etc. to be paid and processed through the utilization amount. It is preferable to comprise at least one or more.

According to another exemplary embodiment of the present invention, the approval target information for each limit may include information for first subtracting the payment amount through the affiliate card from the usage amount regardless of the payment condition corresponding to the affiliate card. It is possible, and the invention is not limited thereby.

Thereafter, the server issues the at least one affiliate card including at least one of customer information corresponding to the affiliate card, card information, and card attribute information to the card company server 110 through the communication means. In operation 1570, the card company server 110 stores the affiliate card operation information further including the card issuing affiliate information in the affiliate card issuing information in a predetermined card information D / B 280 ( 1575).

In addition, the card company server 110 sets predetermined card limit amount information for the affiliated card and limit target approval information for the card limit amount (1580).

According to an embodiment of the present invention, when the affiliate card includes a credit card attribute, the card company server 110 checks the credit rating of the customer who is issued the affiliate card, and then predetermined credit limit corresponding to the customer credit rating. It is preferable to set the amount of money to the card limit amount of money.

According to another embodiment of the present invention, when the affiliate card includes a check card / debit card attribute, the card company server 110 checks the customer account associated with the affiliate card, and stores the customer account balance on the card. It is preferable to set the limit amount.

In addition, the card company server 110 sets the permissible information for each limit including at least one or more merchant information (or merchant group information) to be settled through the set credit limit amount, and / or the set credit limit. Setting a per-approval target information that includes at least one payment amount per day or at least one daily / weekly / monthly payment amount, and / or when the affiliate card is processed through an online payment channel. It is recommended to set the subject-specific authorization information to allow the payment amount to be processed through the card limit amount or to process the payment amount through the card limit amount when the payment amount is processed through the offline payment channel. desirable.

According to another exemplary embodiment of the present invention, the card company server 110 allows the approval target information for each limit to be first subtracted from the card limit amount of the payment amount through the affiliate card regardless of the payment condition corresponding to the affiliate card. Or, it may be made to include information to first subtract from the usage amount registered in the affiliate server 100, whereby the present invention is not limited.

If the predetermined card limit amount information for the affiliated card and the approval target information for each limit on the card limit amount are set (1585), the card company server 110 may determine the card limit amount information and the card limit amount. The authorization target information for each limit is included in the affiliated card operation information and stored in the card information D / B 280 (1590).

According to an embodiment of the present invention, the card information D / B 280 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 280 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 280 is an online payment system provided in the card issuer (or associated), and / or a WAP-based wireless payment system, and / or an IC. It is possible to be provided in the DBMS on at least one or more of the chip-based 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 280 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 110 transmits the set card limit amount information and the authorization target information for each limit on the card limit amount to the server through the communication means (1595). The affiliated card issuance information stored in the medium 275 further includes the card limit amount information and the authorization target information for each limit on the card limit amount (1599).

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

In more detail, FIG. 16 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 accessing the affiliate server 100 through the input (or select) the predetermined card registration application information and transmits, the affiliate server 100 leases the card number to the customer based on the card registration application information As a process of issuing a predetermined affiliate card through the card, specifically, it illustrates a method of implementing a rental card number D / B 270 for storing the rental card number in the card issuing institution.

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

For example, FIG. 16 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 275. The process of storing the predetermined affiliate card issuance information in the storage medium 275 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. 16, the card registration terminal shown in FIG. 14 is referred to as a "terminal" for convenience, and the affiliate server 100 is referred to as a "server" for convenience.

Referring to FIG. 16, the customer connects the communication channel for card registration application by accessing the server through a predetermined terminal, and the affiliate card for issuing an affiliate card through leasing the card number through the communication channel. The application is issued (1600), 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 (1605).

Thereafter, the terminal receives (or selects) the card registration application information through the user interface and transmits the input (or selected) card registration application information to the server through the communication channel (1610).

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

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

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.

Thereafter, the server receives and reads the card registration request information from the terminal through the network means and issues the affiliated card through leasing the card number to the customer based on the customer information included in the card registration request information. The card registration validity for issuing the affiliate card is verified (1615).

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

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

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

In addition, validity confirmation for issuing the alliance card to the customer includes subscriber management means (for example, subscriber information D / B (not shown) and subscription management server (not shown)) on the wireless communication network corresponding to the customer wireless terminal information. Etc.), it is preferable to include checking whether the customer wireless terminal information is valid.

If the validity to issue the affiliate card to the customer is not authenticated through the card registration application information (1620), the server provides card registration error information to the customer through the card registration interface (1625). Stop issuing the affiliate card to the customer.

On the other hand, if the validity for issuing the alliance card to the customer is authenticated through the card registration application information (1620), the server is provided to the card issuing organization based on the card registration application information through the communication means. The lease card number D / B 270 requests and receives a lease card number to be assigned to the alliance card and assigns it to the alliance card number (1630).

Thereafter, the server transmits the affiliate card number to the card company server 110 that has leased the lease card number through the communication means, and then a verification value (or verification code) corresponding to the affiliate card number to the card company server 110. Request a card verification value (or verification code) corresponding to the affiliate card number from the card company server 110 in response thereto (1635), and the affiliate card number and card verification value (or verification code). Predetermined affiliate card information is generated (1640).

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

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

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

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

Thereafter, the server sets usage amount information including a predetermined limit amount assigned to the affiliate card by the card issuing affiliate institution and approval target information for each limit on the utilization amount (1645).

According to the implementation method of the present invention, the server preferably sets a certain amount of money to be used by the card issuing affiliate to the affiliated card according to the utilization policy of the card issuing affiliate.

Alternatively, the server may set the predetermined amount in consideration of the customer grade set by the card issuing affiliate institution or the loyalty of the customer to the card issuing affiliate institution based on the customer information included in the card registration application information. It is preferable that the card issuance affiliated institution set the usage amount to be assigned to the affiliated card.

Alternatively, the server checks the credit rating of the customer in connection with at least one credit rating server (not shown) based on the customer information included in the card registration application information, and then, the server determines a predetermined amount of money corresponding to the credit rating. It is preferable that the card issuance affiliated institution set the usage amount to be assigned to the affiliated card.

Alternatively, the server checks the account balance of the customer in connection with at least one financial company server (not shown) based on the customer information included in the card registration application information, and then sets a predetermined amount of money corresponding to the account balance. It is preferable that the card issuance affiliated institution set the usage amount to be assigned to the affiliated card.

Or, the server requests the credit limit amount information of the customer to the card company server 110 provided in the card issuing agency based on the customer information included in the card registration application information, and the credit limit amount to be confirmed It is preferable to set the corresponding fixed amount of money to the utilization amount that the card issuing affiliate institution gives to the affiliate card.

Those skilled in the art to which the present invention pertains, in addition to the usage setting method described above, it is possible to infer various implementation methods in which the card issuing affiliate institution gives a predetermined usage amount to the affiliate card. It is preferable that the invention includes all the methods of inferring the above.

According to an exemplary embodiment of the present invention, the server sets approval target information for each limit including at least one or more affiliate store information (or affiliate store group information) to be processed for payment through the set utilization amount, and / or the set Set per-approval authorization information that includes at least one one-time payment amount, or at least one daily / weekly / monthly payment amount through a usage amount; and / or the affiliate card processes payment through an online payment channel. Set the approval target information for each limit to allow the payment amount to be processed through the utilization amount or to process the payment amount through the utilization amount when the payment is processed through the offline payment channel. It is desirable to.

According to another exemplary embodiment of the present invention, the approval target information for each limit may include information for first subtracting the payment amount through the affiliate card from the usage amount regardless of the payment condition corresponding to the affiliate card. It is possible, and the invention is not limited thereby.

If the utilization amount information for the affiliate card and the authorization target information for each limit on the utilization amount are set (1650), the server may provide a predetermined card applet including the generated (or extracted) affiliate card information ( Or IC chip storage information) (1655), and generates the card applet (or IC chip storage information) through the wireless communication network corresponding to the customer wireless terminal information included in the card registration application information. To the processor (1660).

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 1490.

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 1490 to the customer wireless terminal (eg, 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). (1665).

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 275 (1670).

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.

In addition, the utilization amount information for the affiliated card is preferably made to include a predetermined amount of the limit given to the affiliated card by the card issuing affiliated institution, and then a part (or all) of the utilization amount is the card. It is preferable to deposit in the form of a customer allowance from the issuing affiliate institution to the card issuer.

According to an exemplary embodiment of the present invention, the approval target information for each limit includes at least one merchant information (or merchant group information), payment amount information, online / offline payment channel information, etc. to be paid and processed through the utilization amount. It is preferable to include at least one or more.

According to another exemplary embodiment of the present invention, the approval target information for each limit may include information for first subtracting the payment amount through the affiliate card from the usage amount regardless of the payment condition corresponding to the affiliate card. It is possible, and the invention is not limited thereby.

Thereafter, the server issues the at least one affiliate card including at least one of customer information corresponding to the affiliate card, card information, and card attribute information to the card company server 110 through the communication means. Transmitting the information (1675), the card company server 110 stores the affiliate card operation information further including the card issuing affiliate information in the affiliate card issuing information in a predetermined card information D / B 280 ( 1680).

In addition, the card company server 110 sets predetermined credit limit amount information for the affiliate card and approval target information for each limit on the credit limit amount (1685).

According to an embodiment of the present invention, when the affiliate card includes a credit card attribute, the card company server 110 checks the credit rating of the customer who is issued the affiliate card, and then predetermined credit limit corresponding to the customer credit rating. It is preferable to set the amount of money to the card limit amount of money.

According to another embodiment of the present invention, when the affiliate card includes a check card / debit card attribute, the card company server 110 checks the customer account associated with the affiliate card, and stores the customer account balance on the card. It is preferable to set the limit amount.

In addition, the card company server 110 sets the permissible information for each limit including at least one or more merchant information (or merchant group information) to be settled through the set credit limit amount, and / or the set credit limit. Setting a per-approval target information that includes at least one payment amount per day or at least one daily / weekly / monthly payment amount, and / or when the affiliate card is processed through an online payment channel. It is recommended to set the subject-specific authorization information to allow the payment amount to be processed through the card limit amount or to process the payment amount through the card limit amount when the payment amount is processed through the offline payment channel. desirable.

According to another exemplary embodiment of the present invention, the card company server 110 allows the approval target information for each limit to be first subtracted from the card limit amount of the payment amount through the affiliate card regardless of the payment condition corresponding to the affiliate card. Or, it may be made to include information to first subtract from the usage amount registered in the affiliate server 100, whereby the present invention is not limited.

If the predetermined card limit amount information for the affiliated card and the authorization target information for each limit on the card limit amount are set (1690), the card company server 110 may determine the card limit amount information and the card limit amount. The authorization target information for each limit is included in the affiliated card management information and stored in the card information D / B 280 (1695).

According to an embodiment of the present invention, the card information D / B 280 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 280 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 280 is an online payment system, and / or a WAP-based wireless payment system, and / or an IC chip provided in (or associated with) the card issuer. It is possible to be provided in the DBMS on at least one or more of the base wireless payment system, and / or the tele payment system, whereby the present invention is not limited.

According to another embodiment of the present invention, the card information D / B 280 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 110 transmits the set card limit amount information and the authorization target information for each limit on the card limit amount to the server through the communication means (1697). The affiliated card issuance information stored in the medium 275 further stores the card limit amount information and the authorization target information for each limit on the card limit amount (1699).

FIG. 17 is a diagram illustrating a card registration system for issuing an affiliate card in the form of a card applet (or IC chip storage information) through a batch lease of card numbers according to another embodiment of the present invention.

In more detail, Fig. 17 shows a card issuing affiliated institution by a customer who owns a wireless terminal equipped with a predetermined wireless IC chip (for example, a financial IC chip or a universal subscriber identity module (USIM)) through a predetermined card registration interface. By providing card registration application information for issuing an affiliate card through a predetermined card number lease, the card issuing affiliated agency provides a wireless IC chip provided to the customer to the customer based on the provided card registration application information. As a system configuration for issuing an affiliate card in the form of a card applet (or IC chip storage information), specifically, a rental card number D / B 1770 for storing the rental card number is provided in the card issuing affiliated institution. If the card issuing institution is also provided, the method of registering / issuing the affiliate card by synchronizing the rental card number D / B (1770) Shows.

Those skilled in the art to which the present invention pertains can refer to and / or modify this drawing 17 to infer various implementation methods for the configuration of a card registration system for issuing an affiliated card through leasing the card number. However, the present invention includes all the implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

Hereinafter, a card applet (or 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. 17. Information corresponding to at least one or more means and / or functional configuration for issuing an affiliate card in the form of a &quot; partner server 100 &quot; for convenience, and the card issuing affiliated agency provided with the affiliate server 100 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. 17 according to an embodiment of the present invention, a card registration system for issuing an affiliate card through leasing the card number may be used by an employee of an affiliated employee provided at at least one card issuer (or financial institution). And / or a client terminal including at least one wired terminal and / or a wireless terminal used by the customer when the card registration system supports a non-face-to-face card registration application. Characterized in that the employee terminal and / or client terminal is connected to the communication channel and the affiliate server 100 provided in the card issuing affiliate institution through a predetermined network means.

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

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

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

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

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

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

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

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the client terminal corresponding to at least one 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. 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 the 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 the financial network connecting the affiliate server 100 performs 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. When the registration terminal is the call terminal (not shown), the wired telephone network and / or 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 card number rental, and / or the card registration step 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.

According to an embodiment of the present invention, the lease card number D / B 1770 provided in the card issuing affiliate institution is leased so that the card issuing institution is allocated to at least one affiliate card registered through the card issuing affiliate institution. It is preferable to include at least one or more card number, it is preferable to further comprise the card issuing institution information that leased the lease card number.

Here, the rental card number, including all 16-digit card number, or nine-digit serial number of the 16-digit card number (for example, the first four digits corresponding to the card issuing agency number and correspond to the card type number) To the next two digits, and the remaining nine digits except the last one corresponding to the check digit), preferably including a predetermined number area, 16 digit card according to the intention of the skilled person In addition to the numbers, lease card numbers that follow a different card number system may be included.

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

In addition, the rental card number D / B (1770) that is provided to the card issuing agency in synchronization with the rental card number D / B (1770) provided in the card issuing affiliate is the card issuing agency in the card issuing agency It is preferably made to include at least one or more card numbers leased to be assigned to at least one or more affiliate cards registered through, it is preferable that the lease card number further comprises a card issuing affiliate information to lease.

Here, the lease card number, preferably comprises the same information configuration as the lease card number D / B (1770) provided in the card issuing affiliate institution, the lease card number is predetermined in the affiliate server 100 When assigned to an affiliate card of, it is preferable to synchronize with the rental card number D / B (1770) provided in the card issuing affiliated agency.

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

The storage medium 1175 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 the customer information according to the issuance of the alliance card. And affiliated card issuance information including at least one affiliated card information and card attribute information, wherein the affiliated card issuance information stored in the storage medium 1775 is leased by the card issuing agency. It is used to provide affiliate card related services through.

According to another exemplary embodiment of the present invention, the storage medium 1775 may be connected to a predetermined DBMS interworking with a server (or device) that performs a predetermined information processing function using the affiliated card issuing information at the card issuing affiliated institution. In this case, the storage medium 1175 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 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 1700 (or interface means) for providing a predetermined card registration interface to the card registration terminal through the network means. do.

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 unit 1700 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 1700 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 1700 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 1700 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 1700 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 1700 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 100, the interface unit 1700 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. 17, the affiliate server 100 is connected with the interface unit 1700 when a predetermined card registration terminal is connected to the affiliate server 100 through the interface unit 1700. An interface providing unit 1705 (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 1710 (or information receiving means) for receiving predetermined card registration application information transmitted (or selected) from the card registration terminal via the user interface in association with the interface unit 1700; Validation unit 1715 (or validity) for checking the validity of issuing the affiliate card to the customer based on the registered card registration application information A card number allocating unit for allocating a predetermined lease card number among at least one lease card number provided in the lease card number D / B 1770 as an affiliate card number for the registered affiliate card ( 1725 (or card number assignment means), a card information generation unit 1730 (or information generation means) for generating predetermined affiliate card information including the affiliate card number, and the card issuance corresponding to the affiliate card. A predetermined amount including a usage amount setting unit 1735 (or a usage setting means) for setting a usage amount to be assigned to the customer by the affiliated organization and an approval target for each limit on the usage amount, and the affiliated card information. The applet generating unit 1785 (or applet generating means) for generating a card applet (or IC chip storage information) and the card applet (or IC chip storage information) are transferred through a predetermined wireless communication network. A card issuing unit 1745 (or card issuing means) for issuing the alliance card by providing it to a customer wireless terminal and recording it on a wireless IC chip provided in the customer wireless terminal, and corresponding to the alliance card issued to the customer. And an information storage unit 1740 (or information storage means) for storing the association card issuance information in the storage medium 1775.

In addition, after the predetermined affiliate card is issued through the card issuing unit 1745, the affiliate server 100 may perform a predetermined communication means (eg, a dedicated communication network or a secure communication network based on encrypted communication). The card company server 110 provided in the card issuing organization is characterized in that it comprises an information transmitting and receiving unit 1720 for transmitting the customer information, card information, and card attribute information corresponding to the partnership card.

In addition, the information transmitting and receiving unit 1720 is a rental card number D / B (1770) provided to the card issuing organization through the communication means when a predetermined cooperation card number is assigned by the card number assignment unit 1725 ) By sending the affiliate card number to a DBMS (or DB server) managing the lease card number D / B (1770) provided in the card issuing institution and the lease card number D / B provided in the card issuing affiliated agency It is desirable to synchronize 1770.

In addition, when the predetermined partner card number is assigned by the card number assignment unit 1725, the information transmitting / receiving unit 1720 receives the card to the card company server 110 provided in the card issuing organization through the communication means. The affiliate card number assigned by the number assignment unit 1725 is transmitted, and a card verification value (or verification code) corresponding to the affiliate card number from the card company server 110 (eg, a CVV (Card Verification) of a visa card. Value), CVC (Card Validation Code) of the master card, CID (Confidential Identifier Number or Card Identification Number) of the American Express card, and the like, and the card verification value (or verification code) in the rental card number ), The function of transmitting and receiving the card verification value (or verification code) for the association card number may be omitted.

The interface providing unit 1705 provides the card registration application information in response to a function configuration provided in the card registration terminal when a predetermined card registration terminal is connected to the affiliate server 100 through the interface unit 1700. Generate a predetermined user interface which can be input (or selected) and transmitted to the affiliate server 100 via the network means, and / or extracted from a predetermined database (not shown), and with the interface unit 1700 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 on the basis of the user interface, and transmits the input (or selected) card registration application information to the affiliate server 100 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 1705 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 user interface generated (or extracted) to the employee terminal through the interface unit 1700.

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 1705 includes 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 1700.

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 1705 includes 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 1700.

When the information receiving unit 1710 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 1700 to register the card. Characterized by receiving the application information, and provides the received card registration application information to the validity authentication unit 1715.

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

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

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 ID information, etc.), and a card applet corresponding to the affiliate card with 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.

The validity authentication unit 1715 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.

In addition, validity confirmation for issuing the alliance card to the customer includes subscriber management means (for example, subscriber information D / B (not shown) and subscription management server (not shown)) on the wireless communication network corresponding to the customer wireless terminal information. Etc.), it is preferable to include checking whether the customer wireless terminal information is valid.

The card number allocating unit 1725 is the lease card number from the rental card number D / B (1770) for storing at least one or more rental card number based on the card registration application information received through the information receiving unit 1710 Identify a predetermined lease card number to be assigned to the card, generate (or extract) a predetermined affiliate card number including the lease card number, and assign the card to the affiliated card; 1720 transfers the card number assigned to the affiliated card number to a DBMS (or DB server) managing the lease card number D / B 1770 provided to the card issuing institution to lease provided to the card issuing affiliated institution. The card number D / B 1770 and the rental card number D / B 1770 provided in the card issuing institution are synchronized.

According to an embodiment of the present invention, when the lease card number D / B 1770 is provided with a 16-digit lease card number, the card number allocator 1725 reads a predetermined lease card number among the lease card numbers. It is preferable to extract by the affiliate card number.

According to another exemplary embodiment of the present invention, when the rental card number D / B 1770 is provided with a rental card number including a 9-digit serial number of the 16-digit card number, the card number assignment unit 1725 is It is preferable to generate a predetermined affiliate card number including a rental card number, a card issuing agency information number, a card type number, and a check digit corresponding to the nine-digit serial number.

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

According to the exemplary embodiment of the present invention, when a predetermined cooperation card number is assigned by the card number assignment unit 1725, the information transmission / reception unit 1720 is a card company server provided in the card issuer through the communication means ( The affiliate card number assigned by the card number assignment unit 1725 is transmitted to the card number assignment unit 1725, and a card verification value (or verification code) corresponding to the affiliate card number is transmitted from the card company server 110 (eg, a visa card). It is preferable to receive the CVV (Card Verification Value), Master Card CVC (Card Validation Code), American Express Card CID (Confidential Identifier Number or Card Identification Number), and the card verification value in the rental card number (Or verification code) or when the card number assignment unit 1725 includes the function for generating the card verification value (or verification code), the information transmitting / receiving unit 1720 may be damaged. The function of transmitting / receiving a card verification value (or verification code) for the existing affiliate card number may be omitted.

When the association card number is generated (or extracted) as described above, the card information generation unit 1730 generates predetermined association card information including the association card number.

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

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

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

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

When predetermined affiliated card information included in the affiliated card is generated by the card information generating unit 1730, the utilization setting unit 1735 sets a predetermined amount of money according to the utilization policy of the card issuing affiliated institution. Characterized in that the issuing affiliated institution is set to the usage amount that is assigned to the affiliated card.

Alternatively, the utilization setting unit 1735 may determine the customer grade set by the card issuing affiliate institution or the loyalty of the customer to the card issuing affiliate institution based on the customer information included in the card registration application information. In consideration of the above, the predetermined amount is set as a usage amount which the card issuing affiliate institution gives to the affiliate card.

Alternatively, the utilization setting unit 1735 checks the credit rating of the customer in association with at least one credit evaluation server (not shown) based on the customer information included in the card registration application information, and then corresponds to the credit rating. Characterized in that a certain amount of money is set to the utilization amount that the card issuing affiliated organization gives to the affiliated card.

Alternatively, the utilization setting unit 1735 checks the account balance of the customer in connection with at least one financial company server (not shown) based on the customer information included in the card registration application information, and then corresponds to the account balance. It is characterized by setting a certain amount of money to the utilization amount that the card issuing affiliated organization gives to the affiliated card.

Alternatively, the utilization setting unit 1735 requests the credit limit amount information of the customer from the card company server 110 provided in the card issuing agency based on the customer information included in the card registration application information. Characterized in that a certain percentage of the amount corresponding to the credit limit amount to be confirmed is characterized in that the card issuance affiliated institutions to set the amount of the usage amount that the affiliated card.

Those skilled in the art to which the present invention pertains, in addition to the usage setting method described above, it is possible to infer various implementation methods in which the card issuing affiliate institution gives a predetermined usage amount to the affiliate card. The invention is characterized in that it comprises all the methods of inference.

According to the exemplary embodiment of the present invention, the utilization setting unit 1735 sets approval target information for each limit including at least one or more affiliate store information (or affiliate store group information) to be processed for payment through the set utilization amount. And / or to set the per-approval target information including at least one or more one-time payment amount or daily / weekly / monthly payment amount to be processed through the set utilization amount, and / or the affiliate card is online. Limit to allow the payment amount to be processed through the utilization amount when the payment is made through the payment channel, or to process the payment amount through the utilization amount when the payment is processed through the offline payment channel. It is desirable to set the approval target information.

According to another exemplary embodiment of the present invention, the approval target information for each limit may include information for first subtracting the payment amount through the affiliate card from the usage amount regardless of the payment condition corresponding to the affiliate card. It is possible, and the invention is not limited thereby.

When predetermined affiliated card information included in the affiliated card is generated by the card information generating unit 1730, the applet generating unit 1785 includes a predetermined card applet (or IC chip storage information) including the associated card information. The card applet (or IC chip storage information) is recorded in a wireless IC chip provided in the customer wireless terminal and has a file structure operable on a chip operating system (COS) on the wireless IC chip. It is preferable to comprise.

When the card applet (or IC chip storage information) is generated by the applet generating unit 1785, the card issuing unit 1745 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.

Thereafter, the information storage unit 1740 may include customer information included in the card registration request information received from the customer through the information receiving unit 1710, 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 usage amount information of the affiliate card and at least one approval target information of the affiliate card in the storage medium 1775.

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.

In addition, the utilization amount information for the affiliated card is preferably made to include a predetermined amount of the limit given to the affiliated card by the card issuing affiliated institution, and then a part (or all) of the utilization amount is the card. It is preferable to deposit in the form of a customer allowance from the issuing affiliate institution to the card issuer.

According to an exemplary embodiment of the present invention, the approval target information for each limit includes at least one merchant information (or merchant group information), payment amount information, online / offline payment channel information, etc. to be paid and processed through the utilization amount. It is preferable to comprise at least one or more.

According to another exemplary embodiment of the present invention, the approval target information for each limit may include information for first subtracting the payment amount through the affiliate card from the usage amount regardless of the payment condition corresponding to the affiliate card. It is possible, and the invention is not limited thereby.

Referring to FIG. 17, a card company server 110 of a card issuing organization connected to the affiliate server 100 through a predetermined communication means receives a predetermined affiliate card number from the affiliate server 100 through the communication means. An information transmitting / receiving unit 1750 (or an information receiving unit) that receives (or receives a card verification value (or verification code) request information) and the predetermined information from the affiliate server 100 through the information transmitting / receiving unit 1750. When receiving an affiliate card number (or a card verification value (or verification code) is requested), the verification information generation unit 1755 generating a predetermined card verification value (or verification code) corresponding to the affiliate card number. Characterized in that it comprises a, wherein the information transmitting and receiving unit 1750 (or information transmission means) to transmit the card verification value (or verification code) corresponding to the affiliate card number to the affiliate server 100 It characterized.

In the technical field to which the present invention pertains, the verification information generation unit 1755 is a 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.

Referring to FIG. 17, a card company server 110 of a card issuing organization connected to the affiliate server 100 through a predetermined communication means is connected to the issued affiliate card from the affiliate server 100 through the communication means. An information transmitting / receiving unit 1750 (or information receiving means) for receiving affiliate card issuance information including at least one corresponding customer information, affiliate card information, and card attribute information corresponding to the affiliate card; and the received customer information. And an information storage unit 1760 which stores, in the predetermined card information D / B 1780, the affiliate card operation information in which the affiliate card information and the card attribute information are linked to the affiliated agency information corresponding to the card issuing affiliated institution. Characterized in that made.

Referring to FIG. 17, the card company server 110 of the card issuing agency connected to the affiliate server 100 through a predetermined communication means may limit a predetermined card limit amount and the card limit amount of the affiliate card. The card limit setting unit 1765 (or card limit setting means) for setting an approval target for each card, and the card limit amount information and the authorization target information for each limit on the card limit amount in the partnership card operation information. An information storage unit 1760 (or information storage means) for storing in the information D / B 1780, and information on the card limit amount information and the authorization target information for each limit on the card limit amount through the communication means are provided through the affiliate server. Characterized in that it comprises an information transmitting and receiving unit 1750 (or information transmission means) for transmitting to (100).

If the affiliated card includes a credit card attribute, the card limit setting unit 1765 checks the credit level of the customer who is issued the affiliate card, and then sets a predetermined credit limit amount corresponding to the credit limit of the card. It characterized in that it is set to.

Alternatively, when the affiliated card includes a check card / debit card attribute, the card limit setting unit 1765 checks a customer account associated with the affiliated card, and then sets the customer account balance as the card limit amount. It is characterized by.

According to the exemplary embodiment of the present invention, the card limit setting unit 1765 sets the limit target approval information including at least one affiliate store information (or affiliate store group information) to be processed for payment through the set credit limit amount. And / or to set the subject-to-permit authorization information including at least one one-time payment amount or daily / weekly / monthly payment amount to be processed through the set credit limit amount, and / or the affiliate card If the payment is processed through the online payment channel, the payment amount is processed through the card limit amount, or if the payment is processed through the offline payment channel, the payment amount is processed through the card limit amount. It is desirable to set approval target information for each limit.

According to another exemplary embodiment of the present invention, the approval target information for each limit may be set to first subtract the payment amount through the affiliate card from the card limit amount, regardless of the payment condition corresponding to the affiliate card, or the affiliate server ( It is possible to include information to first subtract from the usage amount registered in 100), whereby the present invention is not limited.

Thereafter, the affiliated card operation information stored in the card information D / B 1780 is used by the card issuer to provide a payment service or various additional services in association with at least one affiliated store.

According to one embodiment of the present invention, the card information D / B 1780 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 1780 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 1780 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 1780 is an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided (or associated with) the card issuing organization. It is possible to be provided in the DBMS on at least one banking system of, and / or a TV banking system, whereby the present invention is not limited.

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

In more detail, in FIG. 18, a predetermined customer registers a predetermined card registration application through a face-to-face card registration interface (e.g., the card registration application, employee terminal, and network means) in the card registration system shown in FIG. 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 shows a process of issuing a predetermined affiliate card through the card number rental to the customer based on the card registration application information, specifically, a rental card number D / B (270) for storing the rental card number; ) Is also provided to the card issuing affiliated institution, and is also provided to the card issuing institution, the rental card number D / B (270) Shows an implementation method of registering / issuing the affiliated card by synchronizing a).

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 produced and provided (or shipped) to the customer, and then the affiliate card issuance information is stored in the storage medium 275. The process of storing the predetermined affiliate card issuance information in the storage medium 275 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. 17 is called "terminal" for convenience, and the affiliate server 100 is called "server" for convenience.

Referring to FIG. 18, in order to issue the affiliated card for issuing the affiliated card through leasing the card number, the customer is prescribed through a face-to-face card registration interface (eg, the card registration application and the employee terminal and network means). When a card registration application (for example, a document having a form for filling in at least one information item for issuance of an affiliate card through lease of the card number) is completed and submitted to an affiliated employee, the terminal is connected by the affiliated employee. The card registration application information corresponding to the card registration application prepared by the customer is input (or selected) through a predetermined user interface (1800), and the card registration application information is transmitted to the server through the network means (1805). .

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

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

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.

Thereafter, the server receives and reads the card registration request information from the terminal through the network means and issues the affiliated card through leasing the card number to the customer based on the customer information included in the card registration request information. The card registration validity for issuing the affiliate card is verified (1810).

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

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

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

In addition, validity confirmation for issuing the alliance card to the customer includes subscriber management means (for example, subscriber information D / B (not shown) and subscription management server (not shown)) on the wireless communication network corresponding to the customer wireless terminal information. Etc.), it is preferable to include checking whether the customer wireless terminal information is valid.

If the validity to issue the affiliate card to the customer is not authenticated through the card registration application information (1815), the server provides card registration error information to the customer through the card registration interface (1820). 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 (1815), the server stores the at least one rental card number based on the card registration application information. Extract the rental card number to be assigned to the affiliate card from the D / B 270 and assign it to the affiliate card number, and the card issuer based on the card registration application information through the communication means. The lease card number D / B 270 provided in the card issuing agency and the lease card number D / B 270 provided in the card issuing agency and the card issuing agency The number D / B 270 is synchronized (1825).

Thereafter, the server transmits the affiliate card number to the card company server 110 that has leased the lease card number through the communication means, and then a verification value (or verification code) corresponding to the affiliate card number to the card company server 110. Request a card verification value (or verification code) corresponding to the affiliate card number from the card company server 110 (or 1830), and the affiliate card number and card verification value (or verification code). Predetermined affiliate card information is generated (1835).

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

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

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

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

Thereafter, the server sets usage amount information including a predetermined limit amount assigned to the affiliate card by the card issuing affiliate institution and approval target information for each limit on the utilization amount (1840).

According to the implementation method of the present invention, the server preferably sets a certain amount of money to be used by the card issuing affiliate to the affiliated card according to the utilization policy of the card issuing affiliate.

Alternatively, the server may set the predetermined amount in consideration of the customer grade set by the card issuing affiliate institution or the loyalty of the customer to the card issuing affiliate institution based on the customer information included in the card registration application information. It is preferable that the card issuance affiliated institution set the usage amount to be assigned to the affiliated card.

Alternatively, the server checks the credit rating of the customer in connection with at least one credit rating server (not shown) based on the customer information included in the card registration application information, and then, the server determines a predetermined amount of money corresponding to the credit rating. It is preferable that the card issuance affiliated institution set the usage amount to be assigned to the affiliated card.

Alternatively, the server checks the account balance of the customer in connection with at least one financial company server (not shown) based on the customer information included in the card registration application information, and then sets a predetermined amount of money corresponding to the account balance. It is preferable that the card issuance affiliated institution set the usage amount to be assigned to the affiliated card.

Or, the server requests the credit limit amount information of the customer to the card company server 110 provided in the card issuing agency based on the customer information included in the card registration application information, and the credit limit amount to be confirmed It is preferable to set the corresponding fixed amount of money to the utilization amount that the card issuing affiliate institution gives to the affiliate card.

Those skilled in the art to which the present invention pertains, in addition to the usage setting method described above, it is possible to infer various implementation methods in which the card issuing affiliate institution gives a predetermined usage amount to the affiliate card. It is preferable that the invention includes all the methods of inferring the above.

According to an exemplary embodiment of the present invention, the server sets approval target information for each limit including at least one or more affiliate store information (or affiliate store group information) to be processed for payment through the set utilization amount, and / or the set Set per-approval authorization information that includes at least one one-time payment amount, or at least one daily / weekly / monthly payment amount through a usage amount; and / or the affiliate card processes payment through an online payment channel. Set the approval target information for each limit to allow the payment amount to be processed through the utilization amount or to process the payment amount through the utilization amount when the payment is processed through the offline payment channel. It is desirable to.

According to another exemplary embodiment of the present invention, the approval target information for each limit may include information for first subtracting the payment amount through the affiliate card from the usage amount regardless of the payment condition corresponding to the affiliate card. It is possible, and the invention is not limited thereby.

If the utilization amount information for the affiliate card and the authorization target information for each limit on the utilization amount are set (1845), the server may include a predetermined card applet including the generated (or extracted) affiliate card information ( Or IC chip storage information) (1850), and the generated card applet (or IC chip storage information) to the customer wireless terminal through a wireless communication network corresponding to the customer wireless terminal information included in the card registration application information. Transmit (1855).

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 the 1790.

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 1790 to the customer wireless terminal (eg, 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). (1860).

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 275 (1865).

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.

In addition, the utilization amount information for the affiliated card is preferably made to include a predetermined amount of the limit given to the affiliated card by the card issuing affiliated institution, and then a part (or all) of the utilization amount is the card. It is preferable to deposit in the form of a customer allowance from the issuing affiliate institution to the card issuer.

According to an exemplary embodiment of the present invention, the approval target information for each limit includes at least one merchant information (or merchant group information), payment amount information, online / offline payment channel information, etc. to be paid and processed through the utilization amount. It is preferable to comprise at least one or more.

According to another exemplary embodiment of the present invention, the approval target information for each limit may include information for first subtracting the payment amount through the affiliate card from the usage amount regardless of the payment condition corresponding to the affiliate card. It is possible, and the invention is not limited thereby.

Thereafter, the server issues the at least one affiliate card including at least one of customer information corresponding to the affiliate card, card information, and card attribute information to the card company server 110 through the communication means. In operation 1870, the card company server 110 stores the affiliate card operation information further including the card issuing affiliate information in the affiliate card issuing information in a predetermined card information D / B 280 ( 1875).

In addition, the card company server 110 sets predetermined credit limit amount information for the affiliated card and approval target information for each limit on the card limit amount (1880).

According to an embodiment of the present invention, when the affiliate card includes a credit card attribute, the card company server 110 checks the credit rating of the customer who is issued the affiliate card, and then predetermined credit limit corresponding to the customer credit rating. It is preferable to set the amount of money to the card limit amount of money.

According to another embodiment of the present invention, when the affiliate card includes a check card / debit card attribute, the card company server 110 checks the customer account associated with the affiliate card, and stores the customer account balance on the card. It is preferable to set the limit amount.

In addition, the card company server 110 sets the permissible information for each limit including at least one or more merchant information (or merchant group information) to be settled through the set credit limit amount, and / or the set credit limit. Setting a per-approval target information that includes at least one payment amount per day or at least one daily / weekly / monthly payment amount, and / or when the affiliate card is processed through an online payment channel. Set the approval target information for each limit to allow the payment amount to be processed through the card limit amount or to process the payment amount through the card limit amount when the payment amount is processed through the offline payment channel. It is preferable.

According to another exemplary embodiment of the present invention, the card company server 110 allows the approval target information for each limit to be first subtracted from the card limit amount of the payment amount through the affiliate card regardless of the payment condition corresponding to the affiliate card. Or, it may be made to include information to first subtract from the usage amount registered in the affiliate server 100, whereby the present invention is not limited.

If the predetermined card limit amount information for the affiliated card and the approval target information for each limit on the card limit amount are set (1885), the card company server 110 may determine the card limit amount information and the card limit amount. The authorization target information for each limit is included in the affiliated card operation information and stored in the card information D / B 280 (1890).

According to an embodiment of the present invention, the card information D / B 280 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 280 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 280 is an online payment system, and / or a WAP-based wireless payment system, and / or IC provided in the card issuer. It is possible to be provided in the DBMS on at least one or more of the chip-based 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 280 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 110 transmits the set card limit amount information and the authorization target information for each limit on the card limit amount to the server through the communication means (1895). The affiliated card issuance information stored in the medium 275 further includes the card limit amount information and the limit target approval information for the card limit amount (1899).

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

In more detail, FIG. 19 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 accessing the affiliate server 100 through the input (or select) the predetermined card registration application information and transmits, the affiliate server 100 leases the card number to the customer based on the card registration application information As a process of issuing a predetermined affiliate card through, specifically, a rental card number D / B 270 for storing the rental card number is provided in the card issuing affiliate institution, and is also provided in the card issuing institution. The synchronization method of the rental card number D / B 270 is shown to register / issue the affiliate card.

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 through the lease of the card number by referring to and / or modifying the drawing 19. However, the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

For example, FIG. 19 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 275. The process of storing the predetermined affiliate card issuance information in the storage medium 275 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. 19, the card registration terminal shown in FIG. 17 is referred to as a "terminal" for convenience, and the affiliate server 100 is referred to as a "server" for convenience.

Referring to FIG. 19, the customer accesses the server through a predetermined terminal to connect a communication channel for card registration application, and the affiliate card for issuing an affiliate card through leasing the card number through the communication channel. The application is issued (1900), 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 (1905).

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 (1910).

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

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

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.

Thereafter, the server receives and reads the card registration request information from the terminal through the network means and issues the affiliated card through leasing the card number to the customer based on the customer information included in the card registration request information. The card registration validity for issuing the affiliate card is verified (1915).

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

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

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

In addition, validity confirmation for issuing the alliance card to the customer includes subscriber management means (for example, subscriber information D / B (not shown) and subscription management server (not shown)) on the wireless communication network corresponding to the customer wireless terminal information. Etc.), it is preferable to include checking whether the customer wireless terminal information is valid.

If the validity to issue the affiliate card to the customer is not authenticated through the card registration application information (1920), the server provides card registration error information to the customer through the card registration interface (1925). 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 (1920), the server stores at least one rental card number based on the card registration application information. Extract the rental card number to be assigned to the affiliate card from the D / B 270 and assign it to the affiliate card number, and the card issuer based on the card registration application information through the communication means. The lease card number D / B 270 provided in the card issuing agency and the lease card number D / B 270 provided in the card issuing agency and the card issuing agency The number D / B 270 is synchronized (1930).

Thereafter, the server transmits the affiliate card number to the card company server 110 that has leased the lease card number through the communication means, and then a verification value (or verification code) corresponding to the affiliate card number to the card company server 110. Request a card verification value (or verification code) corresponding to the affiliate card number from the card company server 110 (1935), and the affiliate card number and card verification value (or verification code). Generates a predetermined affiliate card information to be included (1940).

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

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

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

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

Thereafter, the server sets usage amount information including a predetermined limit amount assigned to the affiliate card by the card issuing affiliate institution and approval target information for each limit on the usage amount (1945).

According to the implementation method of the present invention, the server preferably sets a certain amount of money to be used by the card issuing affiliate to the affiliated card according to the utilization policy of the card issuing affiliate.

Alternatively, the server may set the predetermined amount in consideration of the customer grade set by the card issuing affiliate institution or the loyalty of the customer to the card issuing affiliate institution based on the customer information included in the card registration application information. It is preferable that the card issuance affiliated institution set the usage amount to be assigned to the affiliated card.

Alternatively, the server checks the credit rating of the customer in connection with at least one credit rating server (not shown) based on the customer information included in the card registration application information, and then, the server determines a predetermined amount of money corresponding to the credit rating. It is preferable that the card issuance affiliated institution set the usage amount to be assigned to the affiliated card.

Alternatively, the server checks the account balance of the customer in connection with at least one financial company server (not shown) based on the customer information included in the card registration application information, and then sets a predetermined amount of money corresponding to the account balance. It is preferable that the card issuance affiliated institution set the usage amount to be assigned to the affiliated card.

Or, the server requests the credit limit amount information of the customer to the card company server 110 provided in the card issuing agency based on the customer information included in the card registration application information, and the credit limit amount to be confirmed It is preferable to set the corresponding fixed amount of money to the utilization amount that the card issuing affiliate institution gives to the affiliate card.

Those skilled in the art to which the present invention pertains, in addition to the usage setting method described above, it is possible to infer various implementation methods in which the card issuing affiliate institution gives a predetermined usage amount to the affiliate card. It is preferable that the invention includes all the methods of inferring the above.

According to an exemplary embodiment of the present invention, the server sets approval target information for each limit including at least one or more affiliate store information (or affiliate store group information) to be processed for payment through the set utilization amount, and / or the set Set per-approval authorization information that includes at least one one-time payment amount, or at least one daily / weekly / monthly payment amount through a usage amount; and / or the affiliate card processes payment through an online payment channel. Set the approval target information for each limit to allow the payment amount to be processed through the utilization amount or to process the payment amount through the utilization amount when the payment is processed through the offline payment channel. It is desirable to.

According to another exemplary embodiment of the present invention, the approval target information for each limit may include information for first subtracting the payment amount through the affiliate card from the usage amount regardless of the payment condition corresponding to the affiliate card. It is possible, and the invention is not limited thereby.

If the utilization amount information for the affiliate card and the approval target information for each limit on the utilization amount are set (1950), the server may include a predetermined card applet including the generated (or extracted) affiliate card information ( Or IC chip storage information) (1955), and the generated card applet (or IC chip storage information) is transferred to the customer wireless terminal through a wireless communication network corresponding to the customer wireless terminal information included in the card registration application information. Send (1960).

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 the 1790.

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 1790 to the customer wireless terminal (eg, 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). (1965).

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 275 (1970).

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.

In addition, the utilization amount information for the affiliated card is preferably made to include a predetermined amount of the limit given to the affiliated card by the card issuing affiliated institution, and then a part (or all) of the utilization amount is the card. It is preferable to deposit in the form of a customer allowance from the issuing affiliate institution to the card issuer.

According to an exemplary embodiment of the present invention, the approval target information for each limit includes at least one merchant information (or merchant group information), payment amount information, online / offline payment channel information, etc. to be paid and processed through the utilization amount. It is preferable to comprise at least one or more.

According to another exemplary embodiment of the present invention, the approval target information for each limit may include information for first subtracting the payment amount through the affiliate card from the usage amount regardless of the payment condition corresponding to the affiliate card. It is possible, and the invention is not limited thereby.

Thereafter, the server issues the at least one affiliate card including at least one of customer information corresponding to the affiliate card, card information, and card attribute information to the card company server 110 through the communication means. In step 1975, the card company server 110 stores the affiliate card operation information further including the card issuing affiliate information in the affiliate card issuing information in a predetermined card information D / B 280 ( 1980).

In addition, the card company server 110 sets predetermined credit limit amount information for the affiliated card and approval target information for each limit on the card limit amount (1985).

According to an embodiment of the present invention, when the affiliate card includes a credit card attribute, the card company server 110 checks the credit rating of the customer who is issued the affiliate card, and then predetermined credit limit corresponding to the customer credit rating. It is preferable to set the amount of money to the card limit amount of money.

According to another embodiment of the present invention, when the affiliate card includes a check card / debit card attribute, the card company server 110 checks the customer account associated with the affiliate card, and stores the customer account balance on the card. It is preferable to set the limit amount.

In addition, the card company server 110 sets the permissible information for each limit including at least one or more merchant information (or merchant group information) to be settled through the set credit limit amount, and / or the set credit limit. Setting a per-approval target information that includes at least one payment amount per day or at least one daily / weekly / monthly payment amount, and / or when the affiliate card is processed through an online payment channel. Set the approval target information for each limit to allow the payment amount to be processed through the card limit amount or to process the payment amount through the card limit amount when the payment amount is processed through the offline payment channel. It is preferable.

According to another exemplary embodiment of the present invention, the card company server 110 allows the approval target information for each limit to be first subtracted from the card limit amount of the payment amount through the affiliate card regardless of the payment condition corresponding to the affiliate card. Or, it may be made to include information to first subtract from the usage amount registered in the affiliate server 100, whereby the present invention is not limited.

If the predetermined card limit amount information for the affiliated card and the approval target information for each limit on the card limit amount are set (1990), the card company server 110 may determine the card limit amount information and the card limit amount. The authorization target information for each limit is included in the affiliated card operation information and stored in the card information D / B 280 (1995).

According to an embodiment of the present invention, the card information D / B 280 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 280 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 280 is an online payment system, and / or a WAP-based wireless payment system, and / or IC provided in the card issuer. It is possible to be provided in the DBMS on at least one or more of the chip-based 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 280 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 110 transmits the set card limit amount information and the authorization target information for each limit on the card limit amount to the server through the communication means (1997). The credit card issuance information stored in the medium 275 further includes the card limit amount information and the authorization target information for each limit on the card limit amount (1999).

20 is a diagram illustrating a card registration system for issuing an affiliate card in the form of MS / IC through real-time lease (or numbering) of card numbers according to an embodiment of the present invention.

In more detail, in FIG. 20, when a predetermined customer provides card registration application information for issuing an affiliate card through leasing a predetermined card number to a card issuing affiliate institution through a predetermined card registration interface, the card issuing affiliate institution is configured to provide the card registration application information. It is a system configuration for issuing an affiliate card in the form of a predetermined MS (Magnetic Stripe) card or IC (Integrated Circuit) card to the customer based on the provided card registration application information, specifically, a rental card for storing the rental card number A number D / B 2070 is provided in the card issuing institution, and when the card issuing agency requests a predetermined card number from the card issuing institution, the card issuing institution is corresponding to the rental card number D / B. Extract a predetermined rental card number from 2070 and provide it to the card issuing affiliate institution, and the card issuing affiliate A method for allocating the rental card number to a predetermined affiliated card is shown in an institution.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 20 to infer various implementation methods for the configuration of a card registration system for issuing an affiliated card through leasing the card number. However, the present invention includes all the implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

Hereinafter, at least one or more means for 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. 20 and / or Components corresponding to the functional configuration are referred to as "affiliate server 100" for convenience, and the card issuing affiliated agency provided with the affiliate server 100 may be a mobile communication company, various wireless communication companies, or various wired communication companies affiliated with the card issuing organization. , At least one portal operator or the like is preferable.

Referring to FIG. 20 according to an embodiment of the present invention, a card registration system for issuing an affiliate card through leasing the card number may be used by an employee of an affiliated employee provided in at least one card issuer (or financial institution). And / or a client terminal including at least one wired terminal and / or a wireless terminal used by the customer when the card registration system supports a non-face-to-face card registration application. Characterized in that the employee terminal and / or client terminal is connected to the communication channel and the affiliate server 100 provided in the card issuing affiliate institution through a predetermined network means.

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

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

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

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

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

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

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

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the client terminal corresponding to at least one 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 storage medium 2075 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 issuance information including at least one affiliated card information and at least one card attribute information. The affiliated card issuance information stored in the storage medium 2075 may be rented by the card issuer. It is used to provide affiliate card related services through.

According to another exemplary embodiment of the present invention, the storage medium 2075 may be connected to a predetermined DBMS interoperating with a server (or device) that performs a predetermined information processing function by using the affiliated card issuing information at the card issuing affiliate. Preferably, the storage medium 2075 may be provided at various locations according to the intention of those skilled in the art, and the present invention is not limited thereto.

The affiliate server 100 provided in the card issuing affiliate institution is a generic term for the card issuing affiliate institution component connected to the card registration terminal 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 2000 (or interface means) for providing a predetermined card registration interface to the card registration terminal through the network. It is done.

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 2000 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 2000 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 a browser program corresponding to a Hyper-Text Transfer Protocol (HTTP) protocol is provided in the client terminal, the interface unit 2000 connects a communication channel with the client terminal based on the TCP / IP protocol. By using the HTPP protocol defined in the browser program, a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) and / or information is provided.

Alternatively, when a predetermined card registration application program provided by the affiliate server 100 is provided in the client terminal, the interface unit 2000 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 2000 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 2000 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 100, the interface unit 2000 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. 20, when a predetermined card registration terminal is connected to the affiliate server 100 through the interface unit 2000, the affiliate server 100 interoperates with the interface unit 2000 and the card registration terminal. An interface providing unit 2005 (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 2010 (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 2000; Validation unit 2015 (or validity) for checking the validity of issuing the affiliate card to the customer based on the registered card registration application information And a predetermined card number to be assigned to the affiliated card by the card company server 110 based on the card registration application information through the communication means, and correspondingly, the card company server 110 requests a predetermined card number from the card company server 110. Receiving a rental card number of the card number assignment unit 2025 (or card number assignment means) for assigning to the affiliate card number of the registered affiliate card and generating the predetermined affiliate card information including the affiliate card number A card information generation unit 2030 (or information generating means) and a usage amount for setting authorization amounts to be applied to the customer by the card issuing affiliated institution and the limit of the usage amount corresponding to the cooperation card. A card for issuing a predetermined affiliate card including the affiliated card information through the setting unit 2035 (or utilization setting means) and a predetermined card registration device. An issuing unit 2045 (card issuing means) and an information storage unit 2040 (or information storing means) for storing, in the storage medium 2075, predetermined affiliated card issuing information corresponding to the affiliated card issued to the customer. It characterized by comprising a.

In addition, the affiliate server 100 after the predetermined partnership card is issued through the card issuing unit 2045, the predetermined through the communication means (for example, a dedicated communication network, or a secure communication network based on encrypted communication) It is characterized in that the card company server 110 provided in the card issuing organization comprises an information transmitting and receiving unit 2020 for transmitting the customer information, card information, and card attribute information corresponding to the partnership card.

In addition, the information transmitting and receiving unit 2020 is the card number assignment unit 2025, in order to allocate a predetermined cooperation card number, in connection with the card number assignment unit 2025, the card registration request through the communication means The card company server 110 requests a predetermined card number based on the information (or transmits card number request information), and correspondingly receives the predetermined card number from the card company server 110 to allocate the card number. It is possible to provide the part 2025, whereby the present invention is not limited.

In addition, when the predetermined partner card number is assigned by the card number allocator 2025, the information transmitting and receiving unit 2020 sends the card to the card company server 110 provided in the card issuing organization through the communication means. The affiliate card number assigned by the number assignment unit 2025 is transmitted, and a card verification value (or verification code) corresponding to the affiliate card number from the card company server 110 (eg, a CVV (Card Verification) of a visa card. Value), CVC (Card Validation Code) of the master card, CID (Confidential Identifier Number or Card Identification Number) of the American Express card), and the like, and the card company server 110 for allocating the affiliated card number. When the rental card number received from the card includes a predetermined card verification value (or verification code), the information transmitting and receiving unit 2020 is a card verification value (or The function of transmitting / receiving verification code) may be omitted.

The interface providing unit 2005, when a predetermined card registration terminal is connected to the affiliate server 100 through the interface unit 2000, 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 extracted from a predetermined database (not shown), and the interface unit 2000 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 2005 provides 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 user interface generated (or extracted) to the employee terminal through the interface unit 2000.

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 2005 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 2000.

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 2005 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 2000.

When the information receiving unit 2010 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 2000 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 (2015).

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

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

Further, the card attribute information for the affiliate card may be assigned to a credit card attribute, a check card attribute, a debit card attribute, a cash card attribute, or a prepaid card 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.

According to the embodiment of the present invention, the card registration application information may further include predetermined utilization application information including a predetermined utilization request amount, in which case the utilization setting unit 2035 may be configured as described above. It is possible to set the utilization amount for the affiliated card based on the utilization request amount included in the utilization application information, whereby the present invention is not limited.

The validity authentication unit 2015 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 desirable to include verifying the credit information of the customer.

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

The card number assigning unit 2025 is a card company server provided to the card issuer based on the card registration application information through the communication means (or through the communication means in association with the information transmitting and receiving unit 2020). Request a predetermined card number to be assigned to the affiliate card (or transmit card number request information), and confirm (or receive) a predetermined rental card number to be assigned to the affiliate card from the card company server 110; And generating (or extracting) a predetermined affiliate card number including the lease card number and assigning it to the affiliate card.

According to an embodiment of the present invention, when the lease card number received from the card company server 110 includes a 16-digit lease card number, the card number allocator 2025 uses the lease card number as the affiliate card number. It is preferable to extract.

According to another embodiment of the present invention, when the lease card number received from the card company server 110 includes the 9-digit serial number of the 16-digit card number, the card number allocator 2025 is the 9-digit serial. It is preferable to generate a predetermined affiliate card number including a lease card number, a card issuing agency information number, a card type number, and a check digit corresponding to the number.

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

According to the method of the present invention, when a predetermined cooperation card number is assigned by the card number assignment unit 2025, the information transmitting and receiving unit 2020 is a card company server provided in the card issuing organization through the communication means ( Transmits the affiliate card number assigned by the card number assignment unit 2025 to the card number assignment unit 2025, and a card verification value (or verification code) corresponding to the affiliate card number from the card company server 110 (eg, a visa card). It is preferable to receive the CVV (Card Verification Value), Master Card CVC (Card Validation Code), American Express card CID (Confidential Identifier Number or Card Identification Number), etc., received from the card company server 110 The card verification value (or verification code) is included in the rental card number, or the card verification value (or verification code) generation function is provided in the card number assignment unit 2025. The function of transmitting and receiving the card verification value (or verification code) for the association card number by the information transmitting and receiving unit 2020 may be omitted.

When the association card number is generated (or extracted) as described above, the card information generation unit 2030 may generate predetermined association card information including the association card number.

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

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

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

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

When predetermined affiliated card information included in the affiliated card is generated by the card information generating unit 2030, the utilization setting unit 2035 receives a predetermined amount of money according to the utilization policy of the card issuing affiliated institution. Characterized in that the issuing affiliated institution is set to the usage amount that is assigned to the affiliated card.

Alternatively, the utilization setting unit 2035 may determine the customer grade set by the card issuing affiliate institution or the loyalty of the customer to the card issuing affiliate institution based on the customer information included in the card registration application information. In consideration of the above, the predetermined amount is set as a usage amount which the card issuing affiliate institution gives to the affiliate card.

Alternatively, the utilization setting unit 2035 checks the credit rating of the customer in connection with at least one credit evaluation server (not shown) based on the customer information included in the card registration application information, and then corresponds to the credit rating. Characterized in that a certain amount of money is set to the utilization amount that the card issuing affiliated organization gives to the affiliated card.

Alternatively, the utilization setting unit 2035 checks the account balance of the customer in association with at least one financial company server (not shown) based on the customer information included in the card registration application information, and then corresponds to the account balance. It is characterized by setting a certain amount of money to the utilization amount that the card issuing affiliated organization gives to the affiliated card.

Alternatively, the utilization setting unit 2035 requests the credit limit amount information of the customer from the card company server 110 provided in the card issuing agency based on the customer information included in the card registration application information. Characterized in that a certain percentage of the amount corresponding to the credit limit amount to be confirmed is characterized in that the card issuance affiliated institutions to set the amount of the usage amount that the affiliated card.

Those skilled in the art to which the present invention pertains, in addition to the usage setting method described above, it is possible to infer various implementation methods in which the card issuing affiliate institution gives a predetermined usage amount to the affiliate card. The invention is characterized in that it comprises all the methods of inference.

According to an embodiment of the present invention, the utilization setting unit 2035 may set the approval target information for each limit including at least one or more affiliate store information (or affiliate store group information) to be paid and processed through the set utilization amount. And / or to set the per-approval target information including at least one or more one-time payment amount or daily / weekly / monthly payment amount to be processed through the set utilization amount, and / or the affiliate card is online. Limit to allow the payment amount to be processed through the utilization amount when the payment is made through the payment channel, or to process the payment amount through the utilization amount when the payment is processed through the offline payment channel. It is desirable to set the approval target information.

According to another exemplary embodiment of the present invention, the approval target information for each limit may include information for first subtracting the payment amount through the affiliate card from the usage amount regardless of the payment condition corresponding to the affiliate card. It is possible, and the invention is not limited thereby.

When predetermined affiliated card information included in the affiliated card is generated by the card information generating unit 2030, the card issuing unit 2045 generates an affiliated card including the affiliated card information through a predetermined card registration device. And (or having the affiliate card information included in the affiliate card), the affiliate card is provided (or delivered) to the customer.

If the affiliate card is an MS (Magnetic Stripe) card, the card registration device records the affiliate card information on at least one MS track (eg, track I, track II, track III) included in the affiliate card. In this case, the card information generation unit 2030 generates an association card information in a data structure that can be recorded in at least one or more MS tracks, and the card issuing unit 2045 cooperates with the card registration device. By recording card information in at least one or more MS tracks, a predetermined affiliate card to be issued to the customer is issued.

Alternatively, if the affiliated card is an IC (Integrated Circuit) card, the card registration device comprises a device for recording the affiliated card information in a memory provided in the IC chip of the affiliated card, wherein the card information generation The unit 2030 generates the affiliate card information in a file structure operable through a COS (Chip Operating System) provided in the IC chip, and the card issuing unit 2045 generates the affiliate card information through the card registration device. Is recorded in the memory of the IC chip, and a predetermined partnership card to be issued to the customer is issued.

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

Thereafter, the information storage unit 2040 may include customer information included in the card registration application information received from the customer through the information receiving unit 2010, 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 usage amount information of the affiliated card and at least one approval target information for each affiliated card in the storage medium 2075.

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 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.

In addition, the utilization amount information for the affiliated card is preferably made to include a predetermined amount of the limit given to the affiliated card by the card issuing affiliated institution, and then a part (or all) of the utilization amount is the card. It is preferable to deposit in the form of a customer allowance from the issuing affiliate institution to the card issuer.

According to an exemplary embodiment of the present invention, the approval target information for each limit includes at least one merchant information (or merchant group information), payment amount information, online / offline payment channel information, etc. to be paid and processed through the utilization amount. It is preferable to comprise at least one or more.

According to another exemplary embodiment of the present invention, the approval target information for each limit includes information for first subtracting the payment amount through the affiliate card from the utilization amount regardless of the payment condition corresponding to the partnership card. It is possible that the present invention is not limited thereby.

According to an embodiment of the present invention, the rental card number D / B 2070 provided to the card issuing organization is leased so that the card issuing institution is allocated to at least one or more affiliate cards registered through the card issuing affiliated institution. It is preferable to include one or more card numbers, it is preferable that the card issuance further comprises a card issuing affiliated information to lease the rental card number.

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

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

Referring to FIG. 20, the card company server 110 of the card issuing organization connected to the affiliate server 100 through a predetermined communication means receives predetermined card number request information from the affiliate server 100 through the communication means. When the card number request information is received from the affiliate server 100 through the information transmitting and receiving unit 2050 (or information receiving means) and the information transmitting and receiving unit 2050, the rental card number D / B ( And a card number extracting unit 2095 (or a card number extracting means) for extracting a predetermined rental card number to be assigned to the affiliated card from 2070. The information transmitting and receiving unit 2050 (or information) is provided. Transmission means) characterized in that for transmitting the lease card number to the affiliate server 100.

According to the present invention, when the card number extraction unit 2095 extracts a predetermined rental card number from the rental card number D / B 2070, a predetermined card verification value (or verification) corresponding to the extracted card number is obtained. And a verification information generation unit 2055 for generating a code. In this case, the information transmission / reception unit 2050 (or information transmission means) may include the rental card number and a card verification value (or verification code). ) Is transmitted to the affiliate server 100.

Here, the rental card number, including all 16-digit card number, or the nine-digit serial number of the 16-digit card number (for example, the first four digits corresponding to the card issuing agency number and corresponding to the card type number) And the next two digits, and the remaining nine digits except the last one corresponding to the check digit).

Those skilled in the art to which the present invention belongs, the verification information generation unit 2055 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 the present invention, the card company server 110 of the card issuing organization connected to the affiliate server 100 through a predetermined communication means may receive a predetermined card verification value from the affiliate server 100 through the communication means (or Verification code) When a predetermined affiliate card number is received from the affiliate server 100 through the information transmitting and receiving unit 2050 (or information receiving means) and the information transmitting and receiving unit 2050 for receiving the request information (or the card). And a verification information generation unit 2055 for generating a predetermined verification value (or verification code) corresponding to the affiliated card number when a verification value (or verification code) is requested). The information transmitting and receiving unit 2020 (or information transmitting means) is characterized in that for transmitting the card verification value (or verification code) corresponding to the affiliate card number to the affiliate server 100.

According to the present invention, the card company server 110 of the card issuing organization connected to the affiliate server 100 through a predetermined communication means corresponds to the issued affiliate card from the affiliate server 100 through the communication means. An information transmitting / receiving unit 2050 (or information receiving means) for receiving affiliate card issuance information including at least one of customer information, affiliate card information, and card attribute information corresponding to the affiliate card; And an information storage unit 2060 for storing, in the predetermined card information D / B 2080, the affiliate card operation information in which the affiliate card information and the card attribute information are linked to the affiliated agency information corresponding to the card issuing affiliated institution. Characterized in that made.

Referring to FIG. 20, the card company server 110 of the card issuing agency connected to the affiliate server 100 through a predetermined communication means may limit a predetermined card limit amount and the card limit amount for the affiliate card. The card limit setting unit 2065 (or card limit setting means) for setting an approval target for each card, and the card limit amount information and the approval target information for each limit on the card limit amount are included in the cooperation card operation information. An information storage unit 2060 (or information storage means) to be stored in the information D / B 2080, and information on the object of approval for each limit of the card limit amount information and the card limit amount amount through the communication means through the affiliate server. It is characterized by comprising an information transmitting and receiving unit 2050 (or information transmission means) for transmitting to (100).

If the affiliated card includes a credit card attribute, the card limit setting unit 2065 checks the creditworthiness of the customer who is issued the affiliated card, and then sets a predetermined credit limit amount corresponding to the credit limit. It characterized in that it is set to.

Alternatively, when the affiliated card includes a check card / debit card attribute, the card limit setting unit 2065 checks a customer account associated with the affiliated card and sets the customer account balance as the card limit amount. It is characterized by.

According to the exemplary embodiment of the present invention, the card limit setting unit 2065 may set approval target information for each limit including at least one or more affiliate store information (or affiliate store group information) to be processed for payment through the set credit limit amount. And / or to set a limit authorization information including at least one one-time payment amount or a daily / weekly / monthly payment amount to be processed through the set credit limit amount, and / or the affiliate card is online. Limit to allow the payment amount to be processed through the card limit amount if the payment is made through the payment channel, or to process the payment amount through the card limit amount if the payment is processed through the offline payment channel. It is desirable to set the approval target information.

According to another exemplary embodiment of the present invention, the approval target information for each limit may be set to first subtract the payment amount through the affiliate card from the card limit amount, regardless of the payment condition corresponding to the affiliate card, or the affiliate server ( It is possible to include information to first subtract from the usage amount registered in 100), whereby the present invention is not limited.

Thereafter, the affiliated card operation information stored in the card information D / B 2080 is used by the card issuing institution to provide a payment service or various additional services in association with at least one affiliated store.

According to one embodiment of the present invention, the card information D / B 2080 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 2080 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 2080 may be an online payment system provided in the card issuer (or associated with) and / or a WAP-based wireless payment system, and / or an IC. It is possible to be provided in the DBMS on at least one or more of the chip-based 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 2080 may be 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.

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

More specifically, in FIG. 21, a predetermined customer registers a predetermined card registration application through a face-to-face card registration interface (for example, the card registration application, employee terminal, and network means) in the card registration system shown in FIG. 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 shows a process of issuing a predetermined affiliate card through the card number rental to the customer based on the card registration application information, specifically, the rental card number D / B (270) for storing the rental card number ) Is provided in the card issuing institution, and a predetermined card number from the card issuing agency to the card issuing institution. In response to the request, the card issuing agency extracts a predetermined lease card number from the lease card number D / B 270 and provides the card issuing agency to the card issuing affiliate institution. Shows an implementation method for assigning a to an affiliate card.

Those of ordinary skill 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 21. However, the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

For example, FIG. 21 illustrates that the affiliate card is produced and provided (or delivered) to the customer, and then the affiliate card issuance information is stored in the storage medium 275. The process of storing the predetermined affiliate card issuance information in the storage medium 275 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. 21, the card registration terminal shown in FIG. 20 is referred to as a "terminal" for convenience, and the affiliate server 100 is referred to as a "server" for convenience.

Referring to FIG. 21, in order to issue the affiliated card for issuing an affiliated card through leasing of the card number, the customer is prescribed through a face-to-face card registration interface (eg, the card registration application, employee terminal, and network means). When a card registration application (for example, a document having a form for filling in at least one information item for issuance of an affiliate card through lease of the card number) is completed and submitted to an affiliated employee, the terminal is connected by the affiliated employee. The card registration application information corresponding to the card registration application prepared by the customer is input (or selected) through a predetermined user interface (2100), and the card registration application information is transmitted to the server through the network means (2105). .

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

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

Further, the card attribute information for the affiliate card may be assigned to a credit card attribute, a check card attribute, a debit card attribute, a cash card attribute, or a prepaid card 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.

Thereafter, the server receives and reads the card registration request information from the terminal through the network means, and issues an affiliated card through leasing the card number to the customer based on the customer information included in the card registration request information. Check the card registration validity for issuing the affiliate card for (2110).

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

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

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

If the validity to issue the affiliate card to the customer is not authenticated through the card registration application information (2115), the server provides card registration error information to the customer through the card registration interface (2120). 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 (2115), the server sends the card to the card company server 110 based on the card registration application information through the communication means. And transmits the number request information (2125), and correspondingly, the card company server 110 extracts the predetermined card number rented from the rental card number D / B 270 to the card issuing affiliate institution (2130), The extracted card number is transmitted to the server through the communication means (2135).

When the predetermined card number to be assigned to the affiliated card is received as described above, the server transmits verification value (or verification code) request information for the card number to the card company server 110 through the communication means, and the In response, the card company server 110 receives a card verification value (or verification code) corresponding to the card number (2140).

According to another exemplary embodiment of the present invention, the card company server 110 extracts the card number from the rental card number D / B 270 in response to the card number request information, and corresponds to the extracted card number. After generating a predetermined card verification value (or verification code), the card number and the card verification value (or verification code) may be transmitted to the server, and the present invention is not limited thereto.

When the card number and the card verification value (or verification code) are received from the card company server 110 as described above, the server receives predetermined affiliate card information including the affiliate card number and the card verification value (or verification code). Create (2145).

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

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

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

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

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

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

Thereafter, the server sets usage amount information including a predetermined limit amount assigned to the affiliate card by the card issuing affiliate institution and approval target information for each limit on the usage amount (2150).

According to the implementation method of the present invention, the server preferably sets a certain amount of money to be used by the card issuing affiliate to the affiliated card according to the utilization policy of the card issuing affiliate.

Alternatively, the server may set the predetermined amount in consideration of the customer grade set by the card issuing affiliate institution or the loyalty of the customer to the card issuing affiliate institution based on the customer information included in the card registration application information. It is preferable that the card issuance affiliated institution set the usage amount to be assigned to the affiliated card.

Alternatively, the server checks the credit rating of the customer in connection with at least one credit rating server (not shown) based on the customer information included in the card registration application information, and then, the server determines a predetermined amount of money corresponding to the credit rating. It is preferable that the card issuance affiliated institution set the usage amount to be assigned to the affiliated card.

Alternatively, the server checks the account balance of the customer in connection with at least one financial company server (not shown) based on the customer information included in the card registration application information, and then sets a predetermined amount of money corresponding to the account balance. It is preferable that the card issuance affiliated institution set the usage amount to be assigned to the affiliated card.

Or, the server requests the credit limit amount information of the customer to the card company server 110 provided in the card issuing agency based on the customer information included in the card registration application information, and the credit limit amount to be confirmed It is preferable to set the corresponding fixed amount of money to the utilization amount that the card issuing affiliate institution gives to the affiliate card.

Those skilled in the art to which the present invention pertains, in addition to the usage setting method described above, it is possible to infer various implementation methods in which the card issuing affiliate institution gives a predetermined usage amount to the affiliate card. It is preferable that the invention includes all the methods of inferring the above.

According to an exemplary embodiment of the present invention, the server sets approval target information for each limit including at least one or more affiliate store information (or affiliate store group information) to be processed for payment through the set utilization amount, and / or the set Set per-approval authorization information that includes at least one one-time payment amount, or at least one daily / weekly / monthly payment amount through a usage amount; and / or the affiliate card processes payment through an online payment channel. Set the approval target information for each limit to allow the payment amount to be processed through the utilization amount or to process the payment amount through the utilization amount when the payment is processed through the offline payment channel. It is desirable to.

According to another exemplary embodiment of the present invention, the approval target information for each limit may include information for first subtracting the payment amount through the affiliate card from the usage amount regardless of the payment condition corresponding to the affiliate card. It is possible, and the invention is not limited thereby.

If the utilization amount information for the affiliate card and the approval target information for each limit on the utilization amount are set (2155), the server provides a predetermined affiliate card with the affiliate card information through a predetermined card registration device. Produce (or deliver) to the customer to produce (2160).

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 275 (2165).

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 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.

In addition, the utilization amount information for the affiliated card is preferably made to include a predetermined amount of the limit given to the affiliated card by the card issuing affiliated institution, and then a part (or all) of the utilization amount is the card. It is preferable to deposit in the form of a customer allowance from the issuing affiliate institution to the card issuer.

According to an exemplary embodiment of the present invention, the approval target information for each limit includes at least one merchant information (or merchant group information), payment amount information, online / offline payment channel information, etc. to be paid and processed through the utilization amount. It is preferable to comprise at least one or more.

According to another exemplary embodiment of the present invention, the approval target information for each limit may include information for first subtracting the payment amount through the affiliate card from the usage amount regardless of the payment condition corresponding to the affiliate card. It is possible, and the invention is not limited thereby.

Thereafter, the server issues the at least one affiliate card including at least one of customer information corresponding to the affiliate card, card information, and card attribute information to the card company server 110 through the communication means. In operation 2170, the card company server 110 stores the affiliate card operation information further including the card issuing affiliate information in the affiliate card issuing information in a predetermined card information D / B 280 ( 2175).

In addition, the card company server 110 sets predetermined credit limit amount information for the affiliated card and approval target information for each limit on the card limit amount (2180).

According to an embodiment of the present invention, when the affiliate card includes a credit card attribute, the card company server 110 checks the credit rating of the customer who is issued the affiliate card, and then predetermined credit limit corresponding to the customer credit rating. It is preferable to set the amount of money to the card limit amount of money.

According to another embodiment of the present invention, when the affiliate card includes a check card / debit card attribute, the card company server 110 checks the customer account associated with the affiliate card, and stores the customer account balance on the card. It is preferable to set the limit amount.

In addition, the card company server 110 sets the permissible information for each limit including at least one or more merchant information (or merchant group information) to be settled through the set credit limit amount, and / or the set credit limit. Setting a per-approval target information that includes at least one payment amount or at least one daily / weekly / monthly payment amount to be paid through the amount, and / or when the affiliate card is processed through the online payment channel. It is recommended to set the subject-specific authorization information to allow the payment amount to be processed through the card limit amount or to process the payment amount through the card limit amount when the payment amount is processed through the offline payment channel. desirable.

According to another exemplary embodiment of the present invention, the card company server 110 allows the approval target information for each limit to be first subtracted from the card limit amount of the payment amount through the affiliate card regardless of the payment condition corresponding to the affiliate card. Or, it may be made to include information to first subtract from the usage amount registered in the affiliate server 100, whereby the present invention is not limited.

If the predetermined card limit amount information for the affiliated card and the authorization target information for each limit on the card limit amount are set (2185), the card company server 110 may determine the card limit amount information and the card limit amount. The authorization target information for each limit is included in the affiliate card operation information and stored in the card information D / B 280 (2190).

According to an embodiment of the present invention, the card information D / B 280 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 280 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 280 is an online payment system, and / or a WAP-based wireless payment system, and / or an IC chip provided in (or associated with) the card issuer. It is possible to be provided in the DBMS on at least one or more of the base wireless payment system, and / or the tele payment system, whereby the present invention is not limited.

According to another embodiment of the present invention, the card information D / B 280 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 110 transmits the set card limit amount information and the authorization target information for each limit on the card limit amount to the server through the communication means (2195). The affiliated card issuance information stored in the medium 275 further includes the card limit amount information and the limit target approval information for the card limit amount (2199).

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

More specifically, FIG. 22 shows a non-face-to-face card registration interface (e.g., client terminal and network means including at least one wired terminal and / or wireless terminal) in a card registration system shown in FIG. When accessing the affiliate server 100 through the input (or select) the predetermined card registration application information and transmits, the affiliate server 100 leases the card number to the customer based on the card registration application information As a process of issuing a predetermined affiliate card through, specifically, a rental card number D / B 270 for storing the rental card number is provided in the card issuing institution, and the card issuing partner issuing the card issuance. When a predetermined card number is requested to an institution, the card issuing agency may request a predetermined card number from the rental card number D / B 270. Extraction of the rental card number to provide to the card-issuing partners, and from the card-issuing partners shows a exemplary method for allocating the rental card number to a predetermined affiliated card.

Those skilled in the art to which the present invention pertains can refer to this drawing 22 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. 22 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 275. The process of storing the predetermined affiliate card issuance information in the storage medium 275 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. 22, the card registration terminal shown in FIG. 20 is referred to as a "terminal" for convenience, and the affiliate server 100 is referred to as a "server" for convenience.

Referring to FIG. 22, the customer accesses the server through a predetermined terminal to connect a communication channel for card registration application, and the affiliate card for issuing an affiliate card through leasing the card number through the communication channel. The application is issued (2200), and correspondingly, the server generates (or extracts) a user interface for issuing the alliance card and provides it to the terminal through the communication channel (2205).

Thereafter, the terminal receives (or selects) the card registration request information through the user interface and transmits the card registration request information (or selected) to the server through the communication channel (2210).

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

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

Further, the card attribute information for the affiliate card may be assigned to a credit card attribute, a check card attribute, a debit card attribute, a cash card attribute, or a prepaid card 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.

Thereafter, the server receives and reads the card registration request information from the terminal through the network means and issues the affiliated card through leasing the card number to the customer based on the customer information included in the card registration request information. The card registration validity of issuing the affiliate card is verified (2215).

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

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

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

If the validity to issue the affiliate card to the customer is not authenticated through the card registration application information (2220), the server provides card registration error information to the customer through the card registration interface (2225). 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 (2220), the server sends the card to the card company server 110 based on the card registration application information through the communication means. Transmitting the number request information (2230), and correspondingly the card company server 110 extracts a predetermined card number leased from the rental card number D / B (270) to the card issuing affiliated agency, and the extraction After generating a predetermined card verification value (or verification code) corresponding to the card number (2235), the extracted card number and the card verification value (or verification code) is transmitted to the server through the communication means ( 2240).

According to another exemplary embodiment of the present invention, the card company server 110 extracts the card number from the rental card number D / B 270 in response to the card number request information and transmits the card number to the server. If the predetermined card verification value (or verification code) request information corresponding to the card number is received from the card number, the predetermined card verification value (or verification code) corresponding to the card number may be generated and transmitted to the server. The present invention is not limited thereby.

When the card number and the card verification value (or verification code) are received from the card company server 110 as described above, the server receives predetermined affiliate card information including the affiliate card number and the card verification value (or verification code). Create (2245).

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

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

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

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

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

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

Thereafter, the server sets usage amount information including a predetermined limit amount assigned to the affiliate card by the card issuing affiliate institution and approval target information for each limit on the usage amount (2250).

According to the implementation method of the present invention, the server preferably sets a certain amount of money to be used by the card issuing affiliate to the affiliated card according to the utilization policy of the card issuing affiliate.

Alternatively, the server may set the predetermined amount in consideration of the customer grade set by the card issuing affiliate institution or the loyalty of the customer to the card issuing affiliate institution based on the customer information included in the card registration application information. It is preferable that the card issuance affiliated institution set the usage amount to be assigned to the affiliated card.

Alternatively, the server checks the credit rating of the customer in connection with at least one credit rating server (not shown) based on the customer information included in the card registration application information, and then, the server determines a predetermined amount of money corresponding to the credit rating. It is preferable that the card issuance affiliated institution set the usage amount to be assigned to the affiliated card.

Alternatively, the server checks the account balance of the customer in connection with at least one financial company server (not shown) based on the customer information included in the card registration application information, and then sets a predetermined amount of money corresponding to the account balance. It is preferable that the card issuance affiliated institution set the usage amount to be assigned to the affiliated card.

Or, the server requests the credit limit amount information of the customer to the card company server 110 provided in the card issuing agency based on the customer information included in the card registration application information, and the credit limit amount to be confirmed It is preferable to set the corresponding fixed amount of money to the utilization amount that the card issuing affiliate institution gives to the affiliate card.

Those skilled in the art to which the present invention pertains, in addition to the usage setting method described above, it is possible to infer various implementation methods in which the card issuing affiliate institution gives a predetermined usage amount to the affiliate card. It is preferable that the invention includes all the methods of inferring the above.

According to an exemplary embodiment of the present invention, the server sets approval target information for each limit including at least one or more affiliate store information (or affiliate store group information) to be processed for payment through the set utilization amount, and / or the set Set per-approval authorization information that includes at least one one-time payment amount, or at least one daily / weekly / monthly payment amount through a usage amount; and / or the affiliate card processes payment through an online payment channel. Set the approval target information for each limit to allow the payment amount to be processed through the utilization amount or to process the payment amount through the utilization amount when the payment is processed through the offline payment channel. It is desirable to.

According to another exemplary embodiment of the present invention, the approval target information for each limit may include information for first subtracting the payment amount through the affiliate card from the usage amount regardless of the payment condition corresponding to the affiliate card. It is possible, and the invention is not limited thereby.

If utilization amount information for the affiliate card and approval target information for each limit on the utilization amount are set (2255), the server provides a predetermined affiliate card with the affiliate card information through a predetermined card registration device. Produce and provide (or deliver) to the customer (2260).

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 275 (2265).

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.

In addition, the utilization amount information for the affiliated card is preferably made to include a predetermined amount of the limit given to the affiliated card by the card issuing affiliated institution, and then a part (or all) of the utilization amount is the card. It is preferable to deposit in the form of a customer allowance from the issuing affiliate institution to the card issuer.

According to an exemplary embodiment of the present invention, the approval target information for each limit includes at least one merchant information (or merchant group information), payment amount information, online / offline payment channel information, etc. to be paid and processed through the utilization amount. It is preferable to include at least one or more.

According to another exemplary embodiment of the present invention, the approval target information for each limit may include information for first subtracting the payment amount through the affiliate card from the usage amount regardless of the payment condition corresponding to the affiliate card. It is possible, and the invention is not limited thereby.

Thereafter, the server issues the at least one affiliate card including at least one of customer information corresponding to the affiliate card, card information, and card attribute information to the card company server 110 through the communication means. In operation 2270, the card company server 110 stores the affiliate card operation information in the predetermined card information D / B 280 further including the card issuing affiliate information in the affiliate card issuing information ( 2275).

In addition, the card company server 110 sets predetermined credit limit amount information for the affiliate card and approval target information for each limit on the card limit amount (2280).

According to an embodiment of the present invention, when the affiliate card includes a credit card attribute, the card company server 110 checks the credit rating of the customer who is issued the affiliate card, and then predetermined credit limit corresponding to the customer credit rating. It is preferable to set the amount of money to the card limit amount of money.

According to another embodiment of the present invention, when the affiliate card includes a check card / debit card attribute, the card company server 110 checks the customer account associated with the affiliate card, and stores the customer account balance on the card. It is preferable to set the limit amount.

In addition, the card company server 110 sets the permissible information for each limit including at least one or more merchant information (or merchant group information) to be settled through the set credit limit amount, and / or the set credit limit. Setting a per-approval target information that includes at least one payment amount per day or at least one daily / weekly / monthly payment amount, and / or when the affiliate card is processed through an online payment channel. It is recommended to set the subject-specific authorization information to allow the payment amount to be processed through the card limit amount or to process the payment amount through the card limit amount when the payment amount is processed through the offline payment channel. desirable.

According to another exemplary embodiment of the present invention, the card company server 110 allows the approval target information for each limit to be first subtracted from the card limit amount of the payment amount through the affiliate card regardless of the payment condition corresponding to the affiliate card. Or, it may be made to include information to first subtract from the usage amount registered in the affiliate server 100, whereby the present invention is not limited.

If the predetermined card limit amount information for the affiliated card and the approval target information for each limit on the card limit amount are set (2285), the card company server 110 may determine the card limit amount information and the card limit amount. The target information for each limit is included in the affiliated card management information and stored in the card information D / B 280 (2290).

According to an embodiment of the present invention, the card information D / B 280 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 280 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 280 is an online payment system, and / or a WAP-based wireless payment system, and / or an IC chip provided in (or associated with) the card issuer. It is possible to be provided in the DBMS on at least one or more of the base wireless payment system, and / or the tele payment system, whereby the present invention is not limited.

According to another embodiment of the present invention, the card information D / B 280 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 110 transmits the set card limit amount information and the authorization target information for each limit on the card limit amount to the server through the communication means (2295). The affiliated card issuance information stored in the medium 275 further includes the card limit amount information and the authorization target information for each limit on the card limit amount (2299).

FIG. 23 is a diagram illustrating a card registration system for issuing an affiliate card in MS / IC form through real-time lease (or numbering) of card numbers according to another embodiment of the present invention.

In more detail, FIG. 23 shows that when a predetermined customer provides card registration application information for issuing an affiliate card through leasing a predetermined card number to a card issuing affiliate institution through a predetermined card registration interface, the card issuing affiliate institution is configured to provide the card registration application information. A system configuration for issuing an affiliate card in the form of a predetermined magnetic stripe (MS) card or integrated circuit (IC) card to the customer based on the card registration application information provided, and specifically, the card issuing partner in the card issuing agency When the card issuer requests a predetermined card number to be assigned to the affiliated card, the card issuing agency generates a rental card number and provides the card issuing agency to the card issuing affiliate institution. Shows an implementation method for assigning a to an affiliate card.

Those skilled in the art to which the present invention pertains can refer to this drawing 23 and / or modify it to infer various implementation methods for the configuration of a card registration system for issuing an affiliate card through leasing the card number. However, the present invention includes all the implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

Hereinafter, at least one means and / or function for 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. 23. 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 this figure 23 according to the embodiment of the present invention, the card registration system for issuing an affiliate card through the lease of the card number, an employee terminal used by an affiliated employee provided in at least one card issuer (or financial institution) And / or a client terminal including at least one wired terminal and / or a wireless terminal used by the customer when the card registration system supports a non-face-to-face card registration application. Characterized in that the employee terminal and / or client terminal is connected to the communication channel and the affiliate server 100 provided in the card issuing affiliate institution through a predetermined network means.

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

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

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

According to another exemplary embodiment of the present invention, when the card registration system supports a non-face-to-face card registration application, the customer is selected from a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network. Access to the affiliate server 100 through at least one client terminal, and through the at least one user interface provided by the affiliate server 100 to register the card registration application information for issuing the affiliate card through the card number rental If input (or selected), it is preferable to transmit from the client terminal to the affiliate server 100 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 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, and 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. 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 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. 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 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 storage medium 2375 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 the customer information according to the issuance of the alliance card. And affiliated card issuance information including at least one affiliated card information and card attribute information. The affiliated card issuance information stored in the storage medium 2375 may be rented by the card issuing agency. It is used to provide affiliate card related services through.

According to another exemplary embodiment of the present invention, the storage medium 2375 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 2375 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 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 2300 (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 2300 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 2300 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 a browser program corresponding to a Hyper-Text Transfer Protocol (HTTP) protocol is provided in the client terminal, the interface unit 2300 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 2300 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 2300 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 2300 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 100, the interface unit 2300 connects a communication channel with the client terminal based on the CDMA protocol, and the communication program Provides communication interface for transmitting and receiving information (or data) using communication protocol defined in.

Referring to FIG. 23, the affiliate server 100 is connected with the interface unit 2300 when a predetermined card registration terminal is connected to the affiliate server 100 through the interface unit 2300. An interface providing unit 2305 (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 2310 (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 2300; Validation unit 2315 (or validity) for checking the validity of issuing the affiliate card to the customer based on the registered card registration application information And a predetermined card number to be assigned to the affiliated card by the card company server 110 based on the card registration application information through the communication means, and correspondingly, the card company server 110 requests a predetermined card number from the card company server 110. A card number assignment unit 2325 (or card number assignment means) for receiving the lease card number and assigning the card number to the affiliate card number of the registered affiliate card, and generating predetermined affiliate card information including the affiliate card number. A card information generation unit 2330 (or information generating means) and a usage amount for setting authorization amounts to be applied to the customer by the card issuing affiliated institution and the limit of the usage amount corresponding to the partnership card. A card for issuing a predetermined affiliate card including the affiliated card information through a setting unit 2335 (or usage degree setting means) and a predetermined card registration device. An issuing unit 2345 (card issuing means) and an information storage unit 2340 (or information storing means) for storing predetermined affiliated card issuing information corresponding to the affiliated card issued to the customer in the storage medium 2375. It characterized by comprising a.

In addition, the affiliate server 100 after the predetermined partnership card is issued through the card issuing unit 2345, the predetermined through the communication means (for example, a dedicated communication network, or a secure communication network based on encrypted communication) The card company server 110 provided in the card issuing organization is characterized in that it comprises an information transmitting and receiving unit 2320 for transmitting the customer information, card information, and card attribute information corresponding to the partnership card.

In addition, the information transmitting and receiving unit 2320 is the card number assignment unit 2325 in order to allocate a predetermined cooperation card number, in connection with the card number assignment unit 2325 through the communication means to apply for the card registration The card company server 110 requests a predetermined card number based on the information (or transmits card number request information), and correspondingly receives the predetermined card number from the card company server 110 to allocate the card number. It is possible to provide the part 2325, and the present invention is not limited thereby.

In addition, the information transmitting and receiving unit 2320, when a predetermined cooperation card number is assigned by the card number assignment unit 2325, the card company server 110 provided in the card issuing organization through the communication means for the card The affiliate card number assigned by the number assignment unit 2325 is transmitted, and a card verification value (or verification code) corresponding to the affiliate card number from the card company server 110 (eg, a CVV (Card Verification) of a visa card. Value), CVC (Card Validation Code) of the master card, CID (Confidential Identifier Number or Card Identification Number) of the American Express card), and the like, and the card company server 110 for allocating the affiliated card number. When the lease card number received from the card includes a predetermined card verification value (or verification code), the information transmitting and receiving unit 2320 is a card verification value (or verification) for the affiliated card number The function of transmitting / receiving verification code) may be omitted.

The interface providing unit 2305, when a predetermined card registration terminal is connected to the affiliate server 100 through the interface unit 2300, 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 extracted from a predetermined database (not shown), and the interface unit 2300 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 selection) of the 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 2305 is 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 user interface generated (or extracted) to the employee terminal through the interface unit 2300.

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 2305 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 2300.

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 providing unit 2305 is a browser program provided in the client terminal and / 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 2300.

When the information receiving unit 2310 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 2300 to register the card. And receiving the application information, and provides the received card registration application information to the validity authentication unit 2315.

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

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

Further, the card attribute information for the affiliate card may be assigned to a credit card attribute, a check card attribute, a debit card attribute, a cash card attribute, or a prepaid card 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.

According to the embodiment of the present invention, the card registration request information may further include predetermined utilization request information including a predetermined utilization request amount. In this case, the utilization setting unit 2335 may be configured as described above. It is possible to set the utilization amount for the affiliated card based on the utilization request amount included in the utilization application information, whereby the present invention is not limited.

The validity authentication unit 2315 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.

The card number allocating unit 2325 is a card company server provided in the card issuing organization based on the card registration application information through the communication means (or through the communication means in association with the information transmitting and receiving unit 2320). Request a predetermined card number to be assigned to the affiliate card (or transmit card number request information), and confirm (or receive) a predetermined rental card number to be assigned to the affiliate card from the card company server 110; And generating (or extracting) a predetermined affiliate card number including the lease card number and assigning it to the affiliate card.

According to an embodiment of the present invention, when the lease card number received from the card company server 110 includes a 16-digit lease card number, the card number assignment unit 2325 uses the lease card number as the affiliate card number. It is preferable to extract.

According to another embodiment of the present invention, when the lease card number received from the card company server 110 includes the 9-digit serial number of the 16-digit card number, the card number allocator 2325 is the 9-digit serial. It is preferable to generate a predetermined affiliate card number including a lease card number, a card issuing agency information number, a card type number, and a check digit corresponding to the number.

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

According to the exemplary embodiment of the present invention, when a predetermined cooperative card number is assigned by the card number assignment unit 2325, the information transmission / reception unit 2320 is a card company server provided in the card issuing organization through the communication means. And transmits the affiliate card number assigned by the card number assignment unit 2325 to a card verification value (or verification code) corresponding to the affiliate card number from the card company server 110 (eg, a visa card). It is preferable to receive the CVV (Card Verification Value), Master Card CVC (Card Validation Code), American Express card CID (Confidential Identifier Number or Card Identification Number), etc., received from the card company server 110 When the card verification value (or verification code) is included in the rental card number, or the card verification value (or verification code) generation function is provided in the card number assignment unit 2325, The information transmitting / receiving unit 2320 may transmit or receive a card verification value (or verification code) for the affiliated card number.

When the affiliate card number is generated (or extracted) as described above, the card information generator 2330 may generate predetermined affiliate card information including the affiliate card number.

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

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

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

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

When predetermined affiliated card information included in the affiliated card is generated by the card information generator 2330, the utilization setting unit 2335 may set a predetermined amount of money according to the utilization policy of the card issuing affiliated institution. Characterized in that the issuing affiliated institution is set to the usage amount that is assigned to the affiliated card.

Alternatively, the utilization setting unit 2335 may determine the customer grade set by the card issuing affiliate institution or the customer's loyalty to the card issuing affiliate institution based on the customer information included in the card registration application information. In consideration of the above, the predetermined amount is set as a usage amount which the card issuing affiliate institution gives to the affiliate card.

Alternatively, the utilization setting unit 2335 checks the credit rating of the customer in association with at least one credit rating server (not shown) based on the customer information included in the card registration application information, and then corresponds to the credit rating. It is characterized in that the predetermined amount of money is set to the utilization amount that the card issuing affiliated organization gives to the affiliated card.

Alternatively, the utilization setting unit 2335 checks the account balance of the customer in association with at least one financial company server (not shown) based on the customer information included in the card registration application information, and then corresponds to the account balance. It is characterized by setting a certain amount of money to the utilization amount that the card issuing affiliated organization gives to the affiliated card.

Alternatively, the utilization setting unit 2335 requests the credit limit amount information of the customer from the card company server 110 provided in the card issuing agency based on the customer information included in the card registration application information. Characterized in that a certain percentage of the amount corresponding to the credit limit amount to be confirmed is characterized in that the card issuance affiliated institutions to set the amount of the usage amount that the affiliated card.

Those skilled in the art to which the present invention pertains, in addition to the usage setting method described above, it is possible to infer various implementation methods in which the card issuing affiliate institution gives a predetermined usage amount to the affiliate card. The invention is characterized in that it comprises all the methods of inference.

According to the exemplary embodiment of the present invention, the utilization setting unit 2335 may set the approval target information for each limit including at least one or more affiliate store information (or affiliate store group information) to be processed for payment through the set utilization amount. And / or to set the per-approval target information including at least one or more one-time payment amount or daily / weekly / monthly payment amount to be processed through the set utilization amount, and / or the affiliate card is online. Limit to allow the payment amount to be processed through the utilization amount when the payment is made through the payment channel, or to process the payment amount through the utilization amount when the payment is processed through the offline payment channel. It is desirable to set the approval target information.

According to another exemplary embodiment of the present invention, the approval target information for each limit may include information for first subtracting the payment amount through the affiliate card from the usage amount regardless of the payment condition corresponding to the affiliate card. It is possible, and the invention is not limited thereby.

When predetermined affiliated card information included in the affiliated card is generated by the card information generator 2330, the card issuing unit 2345 generates an affiliated card including the affiliated card information through a predetermined card registration device. And (or having the affiliate card information included in the affiliate card), the affiliate card is provided (or delivered) to the customer.

If the affiliate card is an MS (Magnetic Stripe) card, the card registration device records the affiliate card information on at least one MS track (eg, track I, track II, track III) included in the affiliate card. In this case, the card information generation unit 2330 generates an affiliate card information in a data structure recordable in at least one or more MS tracks, and the card issuing unit 2345 cooperates with the card registration device. By recording card information in at least one or more MS tracks, a predetermined affiliate card to be issued to the customer is issued.

Alternatively, if the affiliated card is an IC (Integrated Circuit) card, the card registration device comprises a device for recording the affiliated card information in a memory provided in the IC chip of the affiliated card, wherein the card information generation The unit 2330 generates the affiliate card information in a file structure operable through a COS (Chip Operating System) provided in the IC chip, and the card issuing unit 2345 performs the affiliate card information through the card registration device. Is recorded in the memory of the IC chip, and a predetermined partnership card to be issued to the customer is issued.

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

Thereafter, the information storage unit 2340 may include the customer information included in the card registration application information received from the customer through the information receiving unit 2310, the generated affiliate card information, card attribute information of the affiliate card, and the like. And storing the affiliated card issuing information including at least one usage amount information of the affiliated card and at least one approval target information for each affiliated card in the storage medium 2375.

Here, the customer information included in the affiliated card issuance information may include personal information (for example, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.) of the card registration customer, and the customer. 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 for the card attribute information, so a detailed description thereof will be omitted.

In addition, the utilization amount information for the affiliated card is preferably made to include a predetermined amount of the limit given to the affiliated card by the card issuing affiliated institution, and then a part (or all) of the utilization amount is the card. It is preferable to deposit in the form of a customer allowance from the issuing affiliate institution to the card issuer.

According to an exemplary embodiment of the present invention, the approval target information for each limit includes at least one merchant information (or merchant group information), payment amount information, online / offline payment channel information, etc. to be paid and processed through the utilization amount. It is preferable to comprise at least one or more.

According to another exemplary embodiment of the present invention, the approval target information for each limit may include information for first subtracting the payment amount through the affiliate card from the usage amount regardless of the payment condition corresponding to the affiliate card. It is possible, and the invention is not limited thereby.

Referring to FIG. 23, the card company server 110 of the card issuing organization connected to the affiliate server 100 through a predetermined communication means may request predetermined card number request information from the affiliate server 100 through the communication means. When the card number request information is received from the affiliate server 100 through the information transmitting and receiving unit 2320 (or the information receiving means) and the information transmitting and receiving unit 2320, the card number request information And a card number generation unit 2397 for generating a predetermined lease card number to be assigned to the affiliated card. The information transceiving unit 2320 (or an information transmitting means) is configured to read the lease card number. Characterized in that the transmission to the affiliate server (100).

According to the present invention, when the card number generation unit 2397 generates a predetermined rental card number, a verification information generation unit for generating a predetermined card verification value (or verification code) corresponding to the generated card number ( And 2355, wherein the information transmitting and receiving unit 2320 (or information transmitting means) transmits the rental card number and the card verification value (or verification code) to the affiliate server 100. Characterized in that.

Here, the rental card number, including all 16-digit card number, or the nine-digit serial number of the 16-digit card number (for example, the first four digits corresponding to the card issuing agency number and corresponding to the card type number) The next 2 digits and the remaining 9 digits of the serial number except the last 1 digit corresponding to the check digit). You may.

Those skilled in the art to which the present invention belongs, the verification information generation unit 2355 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 the present invention, the card company server 110 of the card issuing organization connected to the affiliate server 100 through a predetermined communication means may receive a predetermined card verification value from the affiliate server 100 through the communication means (or Verification code) When a predetermined affiliated card number is received from the affiliate server 100 through the information transmitting and receiving unit 2350 (or information receiving means) and the information transmitting and receiving unit 2350 receiving request information (or a card). And a verification information generation unit 2355 for generating a verification value (or verification code) corresponding to the affiliated card number when a verification value (or verification code) is requested). The information transmitting and receiving unit 2350 (or information transmitting means) is characterized in that for transmitting the card verification value (or verification code) corresponding to the affiliate card number to the affiliate server 100.

According to the present invention, the card company server 110 of the card issuing institution connected to the affiliate server 100 through a predetermined communication means is connected to the issued affiliate card from the affiliate server 100 through the communication means. An information transmitting / receiving unit 2350 (or information receiving means) for receiving affiliate card issuance information including at least one corresponding customer information, affiliate card information, and card attribute information corresponding to the affiliate card; and the received customer information. And an information storage unit 2360 for storing, in the predetermined card information D / B 2380, the affiliate card operation information in which the affiliate card information and the card attribute information are linked to the affiliated agency information corresponding to the card issuing affiliated institution. Characterized in that made.

Referring to FIG. 23, the card company server 110 of the card issuing organization connected to the affiliate server 100 through a predetermined communication means may limit the predetermined card limit amount and the card limit amount for the affiliate card. The card limit setting unit 2365 (or card limit setting means) for setting an approval target for each card, and the card limit amount information and the approval target information for each limit on the card limit amount in the partnership card operation information. An information storage unit 2360 (or information storage means) stored in the information D / B 2380, and information on the subject of approval for each limit on the card limit amount information and the card limit amount, through the communication means, through the affiliate server. Characterized in that it comprises an information transmitting and receiving unit 2350 (or information transmission means) for transmitting to (100).

If the affiliate card includes a credit card attribute, the card limit setting unit 2365 checks the credit level of the customer who is issued the affiliate card, and then sets a predetermined credit limit amount corresponding to the credit limit of the card. It characterized in that it is set to.

Alternatively, when the affiliated card includes a check card / debit card attribute, the card limit setting unit 2365 checks a customer account associated with the affiliated card and sets the customer account balance as the card limit amount. It is characterized by.

According to the exemplary embodiment of the present invention, the card limit setting unit 2365 sets at least one approval target information including at least one affiliate store information (or affiliate store group information) to be processed for payment through the set credit limit amount. And / or to set a limit authorization information including at least one one-time payment amount or a daily / weekly / monthly payment amount to be processed through the set credit limit amount, and / or the affiliate card is online. Limit to allow payment through the card limit amount if the payment is made through the payment channel or to pay through the card limit amount if the payment is made through the offline payment channel. It is desirable to set the approval target information.

According to another exemplary embodiment of the present invention, the approval target information for each limit may be set to first subtract the payment amount through the affiliate card from the card limit amount, regardless of the payment condition corresponding to the affiliate card, or the affiliate server ( It is possible to include information to first deduct from the registered usage amount in 100, thereby the present invention is not limited.

Thereafter, the affiliated card management information stored in the card information D / B 2380 is used by the card issuing organization to provide a payment service or various additional services in association with at least one affiliated store.

According to one embodiment of the present invention, the card information D / B 2380 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 2380 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 2380 may include an online payment system, and / or a WAP-based wireless payment system, and / or an IC chip provided in (or associated with) the card issuer. It is possible to be provided in the DBMS on at least one or more of the base wireless payment system, and / or the tele payment system, whereby the present invention is not limited.

According to another embodiment of the present invention, the card information D / B 280 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.

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

More specifically, in FIG. 24, 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) in the card registration system shown in FIG. 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 shows a process of issuing a predetermined affiliate card by renting the card number to the customer based on the card registration application information, and specifically, from the card issuing affiliate institution to the card issuing institution to the affiliate card. When requesting a predetermined card number to be allocated, the card issuing agency correspondingly rents a card. Generating a call to service by the card-issuing partners, and from the card-issuing partners shows a exemplary method for allocating the rental card number to a predetermined affiliated card.

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

For example, FIG. 24 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 275. The process of storing the predetermined affiliate card issuance information in the storage medium 275 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. 24, the card registration terminal shown in FIG. 23 is referred to as a "terminal" for convenience, and the affiliate server 100 is referred to as a "server" for convenience.

Referring to FIG. 24, in order to issue the affiliated card for issuing an affiliated card through leasing the card number, the customer is prescribed through a face-to-face card registration interface (eg, the card registration application, employee terminal, and network means). When a card registration application (for example, a document having a form for filling in at least one information item for issuance of an affiliate card through lease of the card number) is completed and submitted to an affiliated employee, the terminal is connected by the affiliated employee. The card registration application information corresponding to the card registration application prepared by the customer is input (or selected) through a predetermined user interface (2400), and the card registration application information is transmitted to the server through the network means (2405). .

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

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

Further, the card attribute information for the affiliate card may be assigned to a credit card attribute, a check card attribute, a debit card attribute, a cash card attribute, or a prepaid card 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.

Thereafter, the server receives and reads the card registration request information from the terminal through the network means and issues the affiliated card through leasing the card number to the customer based on the customer information included in the card registration request information. The card registration validity for issuing the affiliate card is checked (2410).

According to the method of the present invention, the validity confirmation for issuing the affiliate card to the customer, based on the customer name and resident registration number included in the customer information, a predetermined real name verification server (shown through the communication means) And confirming the real name of the customer.

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

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

If the validity to issue the affiliate card to the customer is not authenticated through the card registration application information (2415), the server provides the card registration error information to the customer through the card registration interface (2420). Stop issuing the affiliate card to the customer.

On the other hand, if the validity to issue the affiliate card to the customer through the card registration application information is authenticated (2415), the server to the card company server 110 based on the card registration application information through the communication means Transmitting the number request information (2425), and correspondingly the card company server 110 generates a predetermined card number to be rented to the card issuing affiliate (2430), and the generated card number through the communication means Send to the server (2435).

When the predetermined card number to be assigned to the affiliated card is received as described above, the server transmits verification value (or verification code) request information for the card number to the card company server 110 through the communication means, and the In response, the card company server 110 receives a card verification value (or verification code) corresponding to the card number (2440).

According to another embodiment of the present invention, the card company server 110 generates the rental card number in response to the card number request information, and a predetermined card verification value (or verification code) corresponding to the generated card number. After generating, the card number and the card verification value (or verification code) may be transmitted to the server, whereby the present invention is not limited.

When the card number and the card verification value (or verification code) are received from the card company server 110 as described above, the server receives predetermined affiliate card information including the affiliate card number and the card verification value (or verification code). Create (2445).

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

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

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

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

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

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

Thereafter, the server sets usage amount information including a predetermined limit amount assigned to the affiliate card by the card issuing affiliate institution and approval target information for each limit on the usage amount (2450).

According to the implementation method of the present invention, the server preferably sets a certain amount of money to be used by the card issuing affiliate to the affiliated card according to the utilization policy of the card issuing affiliate.

Alternatively, the server may set the predetermined amount in consideration of the customer grade set by the card issuing affiliate institution or the loyalty of the customer to the card issuing affiliate institution based on the customer information included in the card registration application information. It is preferable that the card issuance affiliated institution set the usage amount to be assigned to the affiliated card.

Alternatively, the server checks the credit rating of the customer in connection with at least one credit rating server (not shown) based on the customer information included in the card registration application information, and then, the server determines a predetermined amount of money corresponding to the credit rating. It is preferable that the card issuance affiliated institution set the usage amount to be assigned to the affiliated card.

Alternatively, the server checks the account balance of the customer in connection with at least one financial company server (not shown) based on the customer information included in the card registration application information, and then sets a predetermined amount of money corresponding to the account balance. It is preferable that the card issuance affiliated institution set the usage amount to be assigned to the affiliated card.

Or, the server requests the credit limit amount information of the customer to the card company server 110 provided in the card issuing agency based on the customer information included in the card registration application information, and the credit limit amount to be confirmed It is preferable to set the corresponding fixed amount of money to the utilization amount that the card issuing affiliate institution gives to the affiliate card.

Those skilled in the art to which the present invention pertains, in addition to the usage setting method described above, it is possible to infer various implementation methods in which the card issuing affiliate institution gives a predetermined usage amount to the affiliate card. It is preferable that the invention includes all the methods of inferring the above.

According to an exemplary embodiment of the present invention, the server sets approval target information for each limit including at least one or more affiliate store information (or affiliate store group information) to be processed for payment through the set utilization amount, and / or the set Set per-approval authorization information that includes at least one one-time payment amount, or at least one daily / weekly / monthly payment amount through a usage amount; and / or the affiliate card processes payment through an online payment channel. Set the approval target information for each limit to allow the payment amount to be processed through the utilization amount or to process the payment amount through the utilization amount when the payment is processed through the offline payment channel. It is desirable to.

According to another exemplary embodiment of the present invention, the approval target information for each limit may include information for first subtracting the payment amount through the affiliate card from the usage amount regardless of the payment condition corresponding to the affiliate card. It is possible, and the invention is not limited thereby.

If the utilization amount information for the affiliated card and the approval target information for the limit for the used amount are set (2455), the server provides a predetermined affiliated card with the affiliated card information through a predetermined card registration device. Produce (or deliver) to the customer to produce (2460).

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 275 (2465).

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.

In addition, the utilization amount information for the affiliated card is preferably made to include a predetermined amount of the limit given to the affiliated card by the card issuing affiliated institution, and then a part (or all) of the utilization amount is the card. It is preferable to deposit in the form of a customer allowance from the issuing affiliate institution to the card issuer.

According to an exemplary embodiment of the present invention, the approval target information for each limit includes at least one merchant information (or merchant group information), payment amount information, online / offline payment channel information, etc. to be paid and processed through the utilization amount. It is preferable to comprise at least one or more.

According to another exemplary embodiment of the present invention, the approval target information for each limit may include information for first subtracting the payment amount through the affiliate card from the usage amount regardless of the payment condition corresponding to the affiliate card. It is possible, and the invention is not limited thereby.

Thereafter, the server issues the at least one affiliate card including at least one of customer information corresponding to the affiliate card, card information, and card attribute information to the card company server 110 through the communication means. In operation 2470, the card company server 110 stores the affiliate card operation information further including the card issuing affiliate information in the affiliate card issuing information in a predetermined card information D / B 280 ( 2475).

In addition, the card company server 110 sets predetermined credit limit amount information for the affiliated card and approval target information for each limit on the card limit amount (2480).

According to an embodiment of the present invention, when the affiliate card includes a credit card attribute, the card company server 110 checks the credit rating of the customer who is issued the affiliate card, and then predetermined credit limit corresponding to the customer credit rating. It is preferable to set the amount of money to the card limit amount of money.

According to another embodiment of the present invention, when the affiliate card includes a check card / debit card attribute, the card company server 110 checks the customer account associated with the affiliate card, and stores the customer account balance on the card. It is preferable to set the limit amount.

In addition, the card company server 110 sets the permissible information for each limit including at least one or more merchant information (or merchant group information) to be settled through the set credit limit amount, and / or the set credit limit. Setting a per-approval target information that includes at least one payment amount per day or at least one daily / weekly / monthly payment amount, and / or when the affiliate card is processed through an online payment channel. It is recommended to set the subject-specific authorization information to allow the payment amount to be processed through the card limit amount or to process the payment amount through the card limit amount when the payment amount is processed through the offline payment channel. desirable.

According to another exemplary embodiment of the present invention, the card company server 110 allows the approval target information for each limit to be first subtracted from the card limit amount of the payment amount through the affiliate card regardless of the payment condition corresponding to the affiliate card. Or, it may be made to include information to first subtract from the usage amount registered in the affiliate server 100, whereby the present invention is not limited.

If the predetermined card limit amount information for the affiliated card and the approval target information for each limit on the card limit amount are set (2485), the card company server 110 checks the card limit amount information and the card limit amount. The authorization target information for each limit is included in the affiliated card operation information and stored in the card information D / B 280 (2490).

According to an embodiment of the present invention, the card information D / B 280 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 280 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 280 is an online payment system provided in the card issuer (or associated), and / or a WAP-based wireless payment system, and / or an IC. It is possible to be provided in the DBMS on at least one or more of the chip-based 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 280 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 110 transmits the set card limit amount information and the authorization target information for each limit on the card limit amount to the server through the communication means (2495). The affiliated card issuance information stored in the medium 275 further includes the card limit amount information and the limit subject approval information for the card limit amount (2499).

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

In more detail, FIG. 25 shows a non-face-to-face card registration interface (e.g., client terminal and network means including at least one wired terminal and / or wireless terminal) in a card registration system shown in FIG. When accessing the affiliate server 100 through the input (or select) the predetermined card registration application information and transmits, the affiliate server 100 leases the card number to the customer based on the card registration application information As a process of issuing a predetermined affiliate card through a card, specifically, when the card issuing agency requests a predetermined card number to be assigned to the affiliated card from the card issuing institution, the card issuing institution rents the card. Generate a card number and provide it to the card issuing affiliate institution. A method of allocating a rental card number to a predetermined affiliated card is shown.

Those skilled in the art to which the present invention pertains can refer to this drawing 25 and / or modified to infer various implementation methods for issuing the alliance card for issuing the alliance 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. 25 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 275. The process of storing the predetermined affiliate card issuance information in the storage medium 275 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. 25, the card registration terminal shown in FIG. 23 is referred to as a "terminal" for convenience, and the affiliate server 100 is referred to as a "server" for convenience.

Referring to FIG. 25, the customer accesses the server through a predetermined terminal to connect a communication channel for card registration application, and the affiliate card for issuing an affiliate card through leasing the card number through the communication channel. The application is issued (2500), and in response, the server generates (or extracts) a user interface for issuing the affiliate card and provides the terminal to the terminal through the communication channel (2505).

Thereafter, the terminal receives (or selects) the card registration request information through the user interface and transmits the card registration request information (or selected) to the server through the communication channel (2510).

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

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

Further, the card attribute information for the affiliate card may be assigned to a credit card attribute, a check card attribute, a debit card attribute, a cash card attribute, or a prepaid card 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.

Thereafter, the server receives and reads the card registration request information from the terminal through the network means and issues the affiliated card through leasing the card number to the customer based on the customer information included in the card registration request information. The card registration validity for issuing the affiliate card is verified (2515).

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

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

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

If the validity to issue the affiliate card to the customer is not authenticated through the card registration application information (2520), the server provides card registration error information to the customer through the card registration interface (2525). 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 (2520), the server sends the card to the card company server 110 based on the card registration application information through the communication means. Sending the number request information (2530), and correspondingly, the card company server 110 generates a predetermined card number to be leased to the card issuing affiliated authority, and a predetermined card verification value corresponding to the generated card number ( Or a verification code) (2535), and transmits the generated card number and the card verification value (or verification code) to the server through the communication means (2540).

According to another exemplary embodiment of the present invention, the card company server 110 generates the rental card number in response to the card number request information and transmits the rental card number to the server, and then a predetermined card corresponding to the card number from the server. When the verification value (or verification code) request information is received, a predetermined card verification value (or verification code) corresponding to the card number may be generated and transmitted to the server, and the present invention is not limited thereto. .

When the card number and the card verification value (or verification code) are received from the card company server 110 as described above, the server receives predetermined affiliate card information including the affiliate card number and the card verification value (or verification code). Create (2545).

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

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

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

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

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

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

Thereafter, the server sets utilization amount information including a predetermined limit amount assigned to the affiliate card by the card issuing affiliate institution and approval target information for each limit on the utilization amount (2550).

According to the implementation method of the present invention, the server preferably sets a certain amount of money to be used by the card issuing affiliate to the affiliated card according to the utilization policy of the card issuing affiliate.

Alternatively, the server may set the predetermined amount in consideration of the customer grade set by the card issuing affiliate institution or the loyalty of the customer to the card issuing affiliate institution based on the customer information included in the card registration application information. It is preferable that the card issuance affiliated institution set the usage amount to be assigned to the affiliated card.

Alternatively, the server checks the credit rating of the customer in connection with at least one credit rating server (not shown) based on the customer information included in the card registration application information, and then, the server determines a predetermined amount of money corresponding to the credit rating. It is preferable that the card issuance affiliated institution set the usage amount to be assigned to the affiliated card.

Alternatively, the server checks the account balance of the customer in connection with at least one financial company server (not shown) based on the customer information included in the card registration application information, and then sets a predetermined amount of money corresponding to the account balance. It is preferable that the card issuance affiliated institution set the usage amount to be assigned to the affiliated card.

Or, the server requests the credit limit amount information of the customer to the card company server 110 provided in the card issuing agency based on the customer information included in the card registration application information, and the credit limit amount to be confirmed It is preferable to set the corresponding fixed amount of money to the utilization amount that the card issuing affiliate institution gives to the affiliate card.

Those skilled in the art to which the present invention pertains, in addition to the usage setting method described above, it is possible to infer various implementation methods in which the card issuing affiliate institution gives a predetermined usage amount to the affiliate card. It is preferable that the invention includes all the methods of inferring the above.

According to an exemplary embodiment of the present invention, the server sets approval target information for each limit including at least one or more affiliate store information (or affiliate store group information) to be processed for payment through the set utilization amount, and / or the set Set per-approval authorization information that includes at least one one-time payment amount, or at least one daily / weekly / monthly payment amount through a usage amount; and / or the affiliate card processes payment through an online payment channel. Set the approval target information for each limit to allow the payment amount to be processed through the utilization amount or to process the payment amount through the utilization amount when the payment is processed through the offline payment channel. It is desirable to.

According to another exemplary embodiment of the present invention, the approval target information for each limit may include information for first subtracting the payment amount through the affiliate card from the usage amount regardless of the payment condition corresponding to the affiliate card. It is possible, and the invention is not limited thereby.

If the utilization amount information for the affiliate card and the approval target information for each limit on the utilization amount are set (2555), the server provides a predetermined affiliate card with the affiliate card information through a predetermined card registration device. Produce and provide (or deliver) to the customer (2560).

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 275 (2565).

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.

In addition, the utilization amount information for the affiliated card is preferably made to include a predetermined amount of the limit given to the affiliated card by the card issuing affiliated institution, and then a part (or all) of the utilization amount is the card. It is preferable to deposit in the form of a customer allowance from the issuing affiliate institution to the card issuer.

According to an exemplary embodiment of the present invention, the approval target information for each limit includes at least one merchant information (or merchant group information), payment amount information, online / offline payment channel information, etc. to be paid and processed through the utilization amount. It is preferable to comprise at least one or more.

According to another exemplary embodiment of the present invention, the approval target information for each limit may include information for first subtracting the payment amount through the affiliate card from the usage amount regardless of the payment condition corresponding to the affiliate card. It is possible, and the invention is not limited thereby.

Then, the server through the communication means to the card company server 110 to the card company server 110 to the card company server 110, the partnership card including at least one or more customer information, card information, card attribute information The card company server 110 transmits the issuance information (2570), and stores the affiliate card operation information further including the card issuing affiliate institution information in the affiliate card issuing information in the predetermined card information D / B 280. (2575).

In addition, the card company server 110 sets predetermined credit limit amount information for the affiliated card and approval target information for each limit on the card limit amount (2580).

According to an embodiment of the present invention, when the affiliate card includes a credit card attribute, the card company server 110 checks the credit rating of the customer who is issued the affiliate card, and then predetermined credit limit corresponding to the customer credit rating. It is preferable to set the amount of money to the card limit amount of money.

According to another embodiment of the present invention, when the affiliate card includes a check card / debit card attribute, the card company server 110 checks the customer account associated with the affiliate card, and stores the customer account balance on the card. It is preferable to set the limit amount.

In addition, the card company server 110 sets the approval target information for each limit including at least one or more merchant information (or merchant group information) to be processed for payment through the set card limit amount, and / or the set card limit Setting a per-approval target information that includes at least one payment amount per day or at least one daily / weekly / monthly payment amount, and / or when the affiliate card is processed through an online payment channel. It is recommended to set the subject-specific authorization information to allow the payment amount to be processed through the card limit amount or to process the payment amount through the card limit amount when the payment amount is processed through the offline payment channel. desirable.

According to another exemplary embodiment of the present invention, the card company server 110 allows the approval target information for each limit to be first subtracted from the card limit amount of the payment amount through the affiliate card regardless of the payment condition corresponding to the affiliate card. Or, it may be made to include information to first subtract from the usage amount registered in the affiliate server 100, whereby the present invention is not limited.

If the predetermined card limit amount information for the affiliated card and the approval target information for each limit on the card limit amount are set (2585), the card company server 110 may determine the card limit amount information and the card limit amount. The authorization target information for each limit is included in the affiliated card operation information and stored in the card information D / B 280 (2590).

According to an embodiment of the present invention, the card information D / B 280 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 280 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 280 is an online payment system, and / or a WAP-based wireless payment system, and / or an IC chip provided in (or associated with) the card issuer. It is possible to be provided in the DBMS on at least one or more of the base wireless payment system, and / or the tele payment system, whereby the present invention is not limited.

According to another embodiment of the present invention, the card information D / B 280 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 110 transmits the set card limit amount information and the authorization target information for each limit on the card limit amount to the server through the communication means (2595). The card limit amount information and the limit subject approval information for the card limit amount are further stored in the partnership card issuance information stored in the medium 275 (2599).

FIG. 26 illustrates a card registration system for issuing an affiliate card in the form of a card applet (or IC chip storage information) through real-time lease (or numbering) of card numbers according to an exemplary embodiment of the present invention.

In more detail, Fig. 26 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. By providing card registration application information for issuing an affiliate card through a predetermined card number lease, the card issuing affiliated agency provides a wireless IC chip provided to the customer to the customer based on the provided card registration application information. A system configuration for issuing an affiliate card in the form of a card applet (or IC chip storage information), specifically, a rental card number D / B 2670 for storing the rental card number is provided in the card issuing institution. When a card issuing agency requests a predetermined card number from the card issuing institution, the card issuing institution is assigned the corresponding card number. A method of extracting a predetermined rental card number from a card number D / B 2670 and providing it to the card issuing affiliate institution, and assigning the lease card number to a predetermined affiliate card at the card issuing affiliate institution is shown. .

Those skilled in the art to which the present invention pertains can refer to and / or modify this drawing 26 to infer various implementation methods for the configuration of a card registration system for issuing an affiliated card through leasing the card number. However, the present invention includes all the implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

Hereinafter, a card applet (or 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. 26. Information corresponding to at least one or more means and / or functional configuration for issuing an affiliate card in the form of a &quot; partner server 100 &quot; for convenience, and the card issuing affiliated agency provided with the affiliate server 100 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. 26 according to an embodiment of the present invention, a card registration system for issuing an affiliate card through leasing the card number may be used by an employee of an affiliated employee provided in at least one card issuer (or financial institution). And / or a client terminal including at least one wired terminal and / or a wireless terminal used by the customer when the card registration system supports a non-face-to-face card registration application. Characterized in that the employee terminal and / or client terminal is connected to the communication channel and the affiliate server 100 provided in the card issuing affiliate institution through a predetermined network means.

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

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

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

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

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

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

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. 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 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. 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 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 storage medium 2675 provided in 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 affiliated card. And affiliated card issuance information including at least one affiliated card information and card attribute information, wherein the affiliated card issuance information stored in the storage medium 2475 is leased by the card issuing agency. It is used to provide affiliate card related services through.

According to another exemplary embodiment of the present invention, the storage medium 2475 may be connected to a predetermined DBMS linked to 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 location where the storage medium 2475 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 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 2600 (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 2600 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 2600 is based on a protocol stack defined in the wired 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 the Hyper-Text Transfer Protocol (HTTP) protocol is provided in the client terminal, the interface unit 2600 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 2600 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 2600 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 2600 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 100, the interface unit 2600 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. 26, the affiliate server 100 is connected with the interface unit 2600 when a predetermined card registration terminal is connected to the affiliate server 100 through the interface unit 2600. An interface providing unit 2605 (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 2610 (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 2600; A validity authentication unit 2615 (or validity) for verifying validity of issuing the affiliate card to the customer based on the registered card registration application information. And a predetermined card number to be assigned to the affiliated card by the card company server 110 based on the card registration application information through the communication means, and correspondingly, the card company server 110 requests a predetermined card number from the card company server 110. Receiving a rental card number of the card number assignment unit (2625) (or card number assignment means) for assigning to the affiliate card number of the registered affiliate card and generating the predetermined affiliate card information including the affiliate card number A card information generating unit 2630 (or information generating means) and a usage amount for setting authorization amounts to be applied to the customer by the card issuing affiliated institution and the limit of the usage amount in correspondence with the partnership card. Generating an applet which generates a setting unit 2635 (or utilization setting means) and a predetermined card applet (or IC chip storage information) including the association card information. (2685) (or applet generating means) and the card applet (or IC chip storage information) through the predetermined wireless communication network to the customer wireless terminal to record to the wireless IC chip provided in the customer wireless terminal; A card issuing unit 2645 (or card issuing means) for issuing an alliance card, and an information storage unit 2640 for storing affiliate card issuance information corresponding to the alliance card issued to the customer in the storage medium 2475 ( Or information storage means).

In addition, after the predetermined affiliate card is issued through the card issuing unit 2645, the affiliate server 100 may perform the predetermined communication means (for example, a dedicated communication network or a secure communication network based on encrypted communication). It is characterized in that the card company server 110 provided in the card issuing organization comprises an information transmitting and receiving unit 2620 for transmitting customer information, card information, and card attribute information corresponding to the affiliated card.

In addition, the information transmitting and receiving unit 2620 is applied to the card registration through the communication means in association with the card number assignment unit 2625 in order to assign a predetermined cooperation card number by the card number assignment unit 2625 The card company server 110 requests a predetermined card number based on the information (or transmits card number request information), and correspondingly receives the predetermined card number from the card company server 110 to allocate the card number. It is possible to provide the part 2625, whereby the present invention is not limited.

In addition, when a predetermined cooperation card number is assigned by the card number assignment unit 2625, the information transmitting and receiving unit 2620 sends the card to the card company server 110 provided in the card issuing institution through the communication means. The affiliate card number assigned by the number assignment unit 2625 is transmitted, and a card verification value (or verification code) corresponding to the affiliate card number from the card company server 110 (eg, a CVV (Card Verification) of a visa card. Value), Master Card's CVC (Card Validation Code), American Express Card's CID (Confidential Identifier Number or Card Identification Number), etc.), and the card company server 110 for allocating the affiliated card number. If the rental card number received from the card includes a predetermined card verification value (or verification code), the information transmitting and receiving unit 2620 is a card verification value (the Function of transmitting and receiving a verification code) but may be omitted.

The interface providing unit 2605, when a predetermined card registration terminal is connected to the affiliate server 100 via the interface unit 2600, 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 extracted from a predetermined database (not shown), and the interface unit 2600 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 on the basis of the user interface, and transmits the input (or selected) card registration application information to the affiliate server 100 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 2605 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 user interface generated (or extracted) through the interface unit 2600 to 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 providing unit 2605 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 2600.

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 2605 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 2600.

When the information receiving unit 2610 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 works with the interface unit 2600 to register the card. And receiving the application information, and providing the received card registration application information to the validity authentication unit 2615.

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

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

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 ID information, etc.), and a card applet corresponding to the affiliate card with 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.

According to the embodiment of the present invention, the card registration application information may further include predetermined utilization application information including a predetermined utilization request amount. In this case, the utilization setting unit 2635 may be used. It is possible to set the utilization amount for the affiliated card based on the utilization request amount included in the utilization application information, whereby the present invention is not limited.

The validity authentication unit 2615 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.

In addition, validity confirmation for issuing the alliance card to the customer includes subscriber management means (for example, subscriber information D / B (not shown) and subscription management server (not shown)) on the wireless communication network corresponding to the customer wireless terminal information. Etc.), it is preferable to include checking whether the customer wireless terminal information is valid.

The card number assignment unit 2625 is a card company server provided in the card issuing organization based on the card registration application information through the communication means (or through the communication means in association with the information transmitting and receiving unit 2620). Request a predetermined card number to be assigned to the affiliate card (or transmit card number request information), and confirm (or receive) a predetermined rental card number to be assigned to the affiliate card from the card company server 110; And generating (or extracting) a predetermined affiliate card number including the lease card number and assigning it to the affiliate card.

When the lease card number received from the card company server 110 includes a 16-digit lease card number according to an exemplary embodiment of the present invention, the card number allocator 2625 uses the lease card number as the affiliate card number. It is preferable to extract.

According to another embodiment of the present invention, when the lease card number received from the card company server 110 includes the 9-digit serial number of the 16-digit card number, the card number allocator 2625 is the 9-digit serial number. It is preferable to generate a predetermined affiliate card number including a lease card number, a card issuing agency information number, a card type number, and a check digit corresponding to the number.

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

According to the exemplary embodiment of the present invention, when a predetermined cooperative card number is assigned by the card number assignment unit 2625, the information transmitting and receiving unit 2620 is a card company server provided in the card issuing organization through the communication means. The card number assignment unit 2625 transmits the affiliate card number assigned by the card number assignment unit 2625, and a card verification value (or verification code) corresponding to the partnership card number from the card company server 110 (eg, a visa). It is preferable to receive a CVV (Card Verification Value) of a card, a Card Validation Code (CVC) of a master card, a CID (Confidential Identifier Number or Card Identification Number) of an American Express card, and the like, received from the card company server 110. The card verification value (or verification code) is included in the leased card number, or the card verification value (or verification code) generation function is provided in the card number assignment unit 2625. The function of transmitting / receiving a card verification value (or verification code) for the association card number by the information transmitting and receiving unit 2620 may be omitted.

When the association card number is generated (or extracted) as described above, the card information generation unit 2630 may generate predetermined association card information including the association card number.

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

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

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

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

When predetermined affiliated card information included in the affiliated card is generated by the card information generating unit 2630, the utilization setting unit 2635 sets a predetermined amount of money according to the utilization policy of the card issuing affiliated institution. Characterized in that the issuing affiliated institution is set to the usage amount that is assigned to the affiliated card.

Alternatively, the utilization setting unit 2635 may determine the customer grade set by the card issuing affiliate institution or the customer's loyalty to the card issuing affiliate institution based on the customer information included in the card registration application information. In consideration of the above, the predetermined amount is set as a usage amount which the card issuing affiliate institution gives to the affiliate card.

Alternatively, the utilization setting unit 2635 confirms the credit rating of the customer in association with at least one credit evaluation server (not shown) based on the customer information included in the card registration application information, and then corresponds to the credit rating. It is characterized in that the predetermined amount of money is set to the utilization amount that the card issuing affiliated organization gives to the affiliated card.

Alternatively, the utilization setting unit 2635 confirms the account balance of the customer in association with at least one financial company server (not shown) based on the customer information included in the card registration application information, and then corresponds to the account balance. It is characterized by setting a certain amount of money to the utilization amount that the card issuing affiliated organization gives to the affiliated card.

Alternatively, the utilization setting unit 2635 requests the credit limit amount information of the customer from the card company server 110 provided in the card issuing agency based on the customer information included in the card registration application information, Characterized in that a certain percentage of the amount corresponding to the credit limit amount to be confirmed is characterized in that the card issuance affiliated institutions to set the amount of the usage amount that the affiliated card.

Those skilled in the art to which the present invention pertains, in addition to the above-described usage setting method, it is possible to infer various implementation methods in which the card issuing affiliate institution gives a predetermined usage amount to the affiliate card. The invention is characterized in that it comprises all the methods of inference.

According to the exemplary embodiment of the present invention, the utilization setting unit 2635 may set approval target information for each limit including at least one or more affiliate store information (or affiliate store group information) to be processed for payment through the set utilization amount. And / or to set the per-approval target information including at least one or more one-time payment amount or daily / weekly / monthly payment amount to be processed through the set utilization amount, and / or the affiliate card is online. Limit to allow the payment amount to be processed through the utilization amount when the payment is made through the payment channel, or to process the payment amount through the utilization amount when the payment is processed through the offline payment channel. It is desirable to set the approval target information.

According to another exemplary embodiment of the present invention, the approval target information for each limit may include information for first subtracting the payment amount through the affiliate card from the usage amount regardless of the payment condition corresponding to the affiliate card. It is possible, and the invention is not limited thereby.

When predetermined affiliated card information included in the affiliated card is generated by the card information generator 2630, the applet generator 2685 may store a predetermined card applet (or IC chip storage information) including the affiliated card information. The card applet (or IC chip storage information) is recorded in a wireless IC chip provided in the customer wireless terminal and has a file structure operable on a chip operating system (COS) on the wireless IC chip. It is preferable to comprise.

When the card applet (or IC chip storage information) is generated by the applet generating unit 2685, the card issuing unit 2645 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.

Thereafter, the information storage unit 2640 stores the customer information included in the card registration application information received from the customer through the information receiving unit 2610, 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 usage amount information of the affiliated card and at least one approval target information of the affiliated card in the storage medium 2755.

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.

In addition, the utilization amount information for the affiliated card is preferably made to include a predetermined amount of the limit given to the affiliated card by the card issuing affiliated institution, and then a part (or all) of the utilization amount is the card. It is preferable to deposit in the form of a customer allowance from the issuing affiliate institution to the card issuer.

According to an exemplary embodiment of the present invention, the approval target information for each limit includes at least one merchant information (or merchant group information), payment amount information, online / offline payment channel information, etc. to be paid and processed through the utilization amount. It is preferable to comprise at least one or more.

According to another exemplary embodiment of the present invention, the approval target information for each limit may include information for first subtracting the payment amount through the affiliate card from the usage amount regardless of the payment condition corresponding to the affiliate card. It is possible, and the invention is not limited thereby.

According to an embodiment of the present invention, the lease card number D / B 2670 provided in the card issuing institution is leased so that the card issuing institution is allocated to at least one affiliate card registered through the card issuing affiliate institution. It is preferable to include at least one card number, it is preferable that the card issuance further comprises the card issuing affiliated information to lease the lease card number.

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

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

Referring to FIG. 26, the card company server 110 of the card issuing organization connected to the affiliate server 100 through a predetermined communication means receives predetermined card number request information from the affiliate server 100 through the communication means. When the card number request information is received from the affiliate server 100 through the information transmitting and receiving unit 2620 (or information receiving means) and the information transmitting and receiving unit 2620, the rental card number D / B ( And a card number extracting unit 26095 (or a card number extracting means) for extracting a predetermined rental card number to be assigned to the affiliated card from 2670, and the information transmitting and receiving unit 2620 (or information). Transmission means) characterized in that for transmitting the lease card number to the affiliate server 100.

According to the present invention, when the card number extraction unit 26095 extracts a predetermined rental card number from the rental card number D / B 2670, a predetermined card verification value (or verification) corresponding to the extracted card number is obtained. And a verification information generation unit 2655 for generating a code). In this case, the information transmission / reception unit 2620 (or information transmission means) may include the rental card number and a card verification value (or verification code). ) Is transmitted to the affiliate server 100.

Here, the rental card number, including all 16-digit card number, or the nine-digit serial number of the 16-digit card number (for example, the first four digits corresponding to the card issuing agency number and corresponding to the card type number) And the next two digits, and the remaining nine digits except the last one corresponding to the check digit).

Those skilled in the art to which the present invention belongs, the verification information generation unit 2655 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 the present invention, the card company server 110 of the card issuing organization connected to the affiliate server 100 through a predetermined communication means may receive a predetermined card verification value from the affiliate server 100 through the communication means (or Verification code) When a predetermined affiliated card number is received from the affiliate server 100 through the information transmitting and receiving unit 2650 (or information receiving unit) and the information transmitting and receiving unit 2650, which receives the request information (or the card). And a verification information generation unit 2655 which generates a verification value (or verification code) corresponding to the verification card (or verification code), and a predetermined card verification value (or verification code) corresponding to the affiliated card number. The information transmitting and receiving unit 2650 (or information transmitting means) is characterized in that for transmitting the card verification value (or verification code) corresponding to the affiliate card number to the affiliate server 100.

According to the present invention, the card company server 110 of the card issuing organization connected to the affiliate server 100 through a predetermined communication means corresponds to the issued affiliate card from the affiliate server 100 through the communication means. An information transmitting / receiving unit 2650 (or information receiving means) for receiving affiliate card issuance information including at least one of customer information, affiliate card information, and card attribute information corresponding to the affiliate card; and the received customer information. And an information storage unit 2660 for storing, in the predetermined card information D / B 2680, the affiliate card operation information in which the affiliate card information and the card attribute information are linked to the affiliated agency information corresponding to the card issuing affiliated institution. Characterized in that made.

Referring to FIG. 26, the card company server 110 of the card issuing agency connected to the affiliate server 100 through a predetermined communication means may limit the predetermined card limit amount and the card limit amount for the affiliate card. The card limit setting unit 2665 (or card limit setting means) for setting an approval target for each card, and the card limit amount information and the approval target information for each limit on the card limit amount are included in the cooperation card operation information. An information storage unit (2660) (or information storage means) for storing in the information D / B (2680), the limit information of the card limit amount information and the limit of approval information on the card limit amount through the communication means through the affiliate server Characterized in that it comprises an information transmitting and receiving unit 2650 (or information transmission means) for transmitting to (100).

When the affiliated card includes a credit card attribute, the card limit setting unit 2665 checks the credit level of the customer who is issued the affiliate card, and then sets a predetermined credit limit amount corresponding to the credit limit. It characterized in that it is set to.

Alternatively, when the affiliated card includes a check card / debit card attribute, the card limit setting unit 2665 checks a customer account associated with the affiliated card and sets the customer account balance as the card limit amount. It is characterized by.

According to the exemplary embodiment of the present invention, the card limit setting unit 2665 may set approval target information for each limit including at least one or more affiliate store information (or affiliate store group information) to be processed for payment through the set credit limit amount. And / or to set a limit authorization information including at least one one-time payment amount or a daily / weekly / monthly payment amount to be processed through the set credit limit amount, and / or the affiliate card is online. Limit to allow payment through the card limit amount if the payment is made through the payment channel or to pay through the card limit amount if the payment is made through the offline payment channel. It is desirable to set the approval target information.

According to another exemplary embodiment of the present invention, the approval target information for each limit may be set to first subtract the payment amount through the affiliate card from the card limit amount, regardless of the payment condition corresponding to the affiliate card, or the affiliate server ( It is possible to include information to first subtract from the usage amount registered in 100), whereby the present invention is not limited.

Thereafter, the affiliated card operation information stored in the card information D / B 2680 is used by the card issuing institution to provide a payment service or various additional services in association with at least one affiliated store.

According to one embodiment of the present invention, the card information D / B 2680 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 2680 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 2680 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 2680 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 or more banking system, and / or TV banking system, whereby the present invention is not limited.

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

In more detail, in FIG. 27, 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) in the card registration system shown in FIG. 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 shows a process of issuing a predetermined affiliate card through the card number rental to the customer based on the card registration application information, specifically, a rental card number D / B (270) for storing the rental card number; ) Is provided in the card issuing institution, and a predetermined card number from the card issuing agency to the card issuing institution. Upon request, the card issuing agency extracts a predetermined lease card number from the lease card number D / B 270 and provides the card issuing partner to the card issuing affiliate in response to the card issuing agency. A method of assigning to a predetermined affiliated card is shown.

Those skilled in the art to which the present invention pertains can refer to this drawing 27 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. 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. 27 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 275. The process of storing the predetermined affiliate card issuance information in the storage medium 275 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. 27, the card registration terminal shown in FIG. 26 is called "terminal" for convenience, and the affiliate server 100 is called "server" for convenience.

Referring to FIG. 27, in order to issue the affiliated card for issuing the affiliated card through lease of the card number, the customer is prescribed through a face-to-face card registration interface (eg, the card registration application, employee terminal, and network means). When a card registration application (for example, a document having a form for filling in at least one information item for issuance of an affiliate card through lease of the card number) is completed and submitted to an affiliated employee, the terminal is connected by the affiliated employee. The card registration application information corresponding to the card registration application prepared by the customer is input (or selected) through a predetermined user interface (2700), and the card registration application information is transmitted to the server through the network means (2705). .

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

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

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.

Thereafter, the server receives and reads the card registration request information from the terminal through the network means and issues the affiliated card through leasing the card number to the customer based on the customer information included in the card registration request information. The card registration validity for issuing the affiliate card is verified (2710).

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

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

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

In addition, validity confirmation for issuing the alliance card to the customer includes subscriber management means (for example, subscriber information D / B (not shown) and subscription management server (not shown)) on the wireless communication network corresponding to the customer wireless terminal information. Etc.), it is preferable to include checking whether the customer wireless terminal information is valid.

If the validity to issue the affiliate card to the customer is not authenticated through the card registration application information (2715), the server provides card registration error information to the customer through the card registration interface (2720). 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 (2715), the server sends the card to the card company server 110 based on the card registration application information through the communication means. The number request information is transmitted (2725), and correspondingly, the card company server 110 extracts a predetermined card number leased from the lease card number D / B 270 to the card issuing affiliate institution, and extracts the extracted card number. After generating a predetermined card verification value (or verification code) corresponding to the card number (2730), the extracted card number and the card verification value (or verification code) is transmitted to the server through the communication means (2735) ).

According to another exemplary embodiment of the present invention, the card company server 110 extracts the card number from the rental card number D / B 270 in response to the card number request information and transmits the card number to the server. When the predetermined card verification value (or verification code) request information corresponding to the card number is received from the server, the predetermined card verification value (or verification code) corresponding to the card number may be generated and transmitted to the server. The present invention is not limited thereto.

When the card number and the card verification value (or verification code) are received from the card company server 110 as described above, the server receives predetermined affiliate card information including the affiliate card number and the card verification value (or verification code). Create (2740).

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

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

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

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

Thereafter, the server sets usage amount information including a predetermined limit amount assigned to the affiliate card by the card issuing affiliate institution and approval target information for each limit on the usage amount (2745).

According to the implementation method of the present invention, the server preferably sets a certain amount of money to be used by the card issuing affiliate to the affiliated card according to the utilization policy of the card issuing affiliate.

Alternatively, the server may set the predetermined amount in consideration of the customer grade set by the card issuing affiliate institution or the loyalty of the customer to the card issuing affiliate institution based on the customer information included in the card registration application information. It is preferable that the card issuance affiliated institution set the usage amount to be assigned to the affiliated card.

Alternatively, the server checks the credit rating of the customer in connection with at least one credit rating server (not shown) based on the customer information included in the card registration application information, and then, the server determines a predetermined amount of money corresponding to the credit rating. It is preferable that the card issuance affiliated institution set the usage amount to be assigned to the affiliated card.

Alternatively, the server checks the account balance of the customer in connection with at least one financial company server (not shown) based on the customer information included in the card registration application information, and then sets a predetermined amount of money corresponding to the account balance. It is preferable that the card issuance affiliated institution set the usage amount to be assigned to the affiliated card.

Or, the server requests the credit limit amount information of the customer to the card company server 110 provided in the card issuing agency based on the customer information included in the card registration application information, and the credit limit amount to be confirmed It is preferable to set the corresponding fixed amount of money to the utilization amount that the card issuing affiliate institution gives to the affiliate card.

Those skilled in the art to which the present invention pertains, in addition to the usage setting method described above, it is possible to infer various implementation methods in which the card issuing affiliate institution gives a predetermined usage amount to the affiliate card. It is preferable that the invention includes all the methods of inferring the above.

According to an exemplary embodiment of the present invention, the server sets approval target information for each limit including at least one or more affiliate store information (or affiliate store group information) to be processed for payment through the set utilization amount, and / or the set Set per-approval authorization information that includes at least one one-time payment amount, or at least one daily / weekly / monthly payment amount through a usage amount; and / or the affiliate card processes payment through an online payment channel. Set the approval target information for each limit to allow the payment amount to be processed through the utilization amount or to process the payment amount through the utilization amount when the payment is processed through the offline payment channel. It is desirable to.

According to another exemplary embodiment of the present invention, the approval target information for each limit may include information for first subtracting the payment amount through the affiliate card from the usage amount regardless of the payment condition corresponding to the affiliate card. It is possible, and the invention is not limited thereby.

If the utilization amount information for the affiliate card and the authorization target information for each limit on the utilization amount are set (2750), the server may provide a predetermined card applet including the generated (or extracted) affiliate card information ( Or IC chip storage information) (2755), and generates the card applet (or IC chip storage information) to the customer wireless terminal through a wireless communication network corresponding to the customer wireless terminal information included in the card registration application information. Transmit (2760).

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 2690.

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 2690 to the customer wireless terminal (eg, 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 wireless terminal, thereby issuing an affiliate card corresponding to the card applet (or IC chip storage information). (2765).

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 275 (2770).

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.

In addition, the utilization amount information for the affiliated card is preferably made to include a predetermined amount of the limit given to the affiliated card by the card issuing affiliated institution, and then a part (or all) of the utilization amount is the card. It is preferable to deposit in the form of a customer allowance from the issuing affiliate institution to the card issuer.

According to an exemplary embodiment of the present invention, the approval target information for each limit includes at least one merchant information (or merchant group information), payment amount information, online / offline payment channel information, etc. to be paid and processed through the utilization amount. It is preferable to comprise at least one or more.

According to another exemplary embodiment of the present invention, the approval target information for each limit may include information for first subtracting the payment amount through the affiliate card from the usage amount regardless of the payment condition corresponding to the affiliate card. It is possible, and the invention is not limited thereby.

Thereafter, the server issues the at least one affiliate card including at least one of customer information corresponding to the affiliate card, card information, and card attribute information to the card company server 110 through the communication means. After transmitting the information (2775), the card company server 110 stores the affiliate card operation information further including the card issuing affiliate information in the affiliate card issuing information in a predetermined card information D / B (280) ( 2780).

In addition, the card company server 110 sets predetermined card limit amount information for the affiliated card and approval target information for each limit on the card limit amount (2785).

According to an embodiment of the present invention, when the affiliate card includes a credit card attribute, the card company server 110 checks the credit rating of the customer who is issued the affiliate card, and then predetermined credit limit corresponding to the customer credit rating. It is preferable to set the amount of money to the card limit amount of money.

According to another embodiment of the present invention, when the affiliate card includes a check card / debit card attribute, the card company server 110 checks the customer account associated with the affiliate card, and stores the customer account balance on the card. It is preferable to set the limit amount.

In addition, the card company server 110 sets the permissible information for each limit including at least one or more merchant information (or merchant group information) to be settled through the set credit limit amount, and / or the set credit limit. Setting a per-approval target information that includes at least one payment amount per day or at least one daily / weekly / monthly payment amount, and / or when the affiliate card is processed through an online payment channel. It is recommended to set the subject-specific authorization information to allow the payment amount to be processed through the card limit amount or to process the payment amount through the card limit amount when the payment amount is processed through the offline payment channel. desirable.

According to another exemplary embodiment of the present invention, the card company server 110 allows the approval target information for each limit to be first subtracted from the card limit amount of the payment amount through the affiliate card regardless of the payment condition corresponding to the affiliate card. Or, it may be made to include information to first subtract from the usage amount registered in the affiliate server 100, whereby the present invention is not limited.

If the predetermined card limit amount information for the affiliated card and the approval target information for each limit on the card limit amount are set (2790), the card company server 110 may determine the card limit amount information and the card limit amount. The approval target information for each limit is included in the affiliated card operation information and stored in the card information D / B 280 (2795).

According to an embodiment of the present invention, the card information D / B 280 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 280 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 280 is an online payment system, and / or a WAP-based wireless payment system, and / or an IC chip provided in (or associated with) the card issuer. It is possible to be provided in the DBMS on at least one or more of the base wireless payment system, and / or the tele payment system, whereby the present invention is not limited.

According to another embodiment of the present invention, the card information D / B 280 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 110 transmits the set card limit amount information and the authorization target information for each limit on the card limit amount to the server through the communication means (2797). The affiliated card issuance information stored in the medium 275 further includes the card limit amount information and the authorization target information for each limit on the card limit amount (2799).

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

More specifically, FIG. 28 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 accessing the affiliate server 100 through the input (or select) the predetermined card registration application information and transmits, the affiliate server 100 leases the card number to the customer based on the card registration application information As a process of issuing a predetermined affiliate card through, specifically, a rental card number D / B 270 for storing the rental card number is provided in the card issuing institution, and the card issuing partner issuing the card issuance. When a predetermined card number is requested to an institution, the card issuing agency may request a predetermined card number from the rental card number D / B 270 in response. A method of extracting a definition rental card number and providing it to the card issuing affiliate institution, and assigning the lease card number to a predetermined affiliate card by the card issuing affiliate institution.

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

For example, FIG. 28 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 275. The process of storing the predetermined affiliate card issuance information in the storage medium 275 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. 28, the card registration terminal shown in FIG. 26 is referred to as a "terminal" for convenience, and the affiliate server 100 is referred to as a "server" for convenience.

Referring to FIG. 28, the customer accesses the server through a predetermined terminal to connect a communication channel for card registration application, and the affiliate card for issuing an affiliate card through leasing the card number through the communication channel. The application is issued (2800), and in response, the server generates (or extracts) a user interface for issuing the affiliate card and provides the terminal to the terminal through the communication channel (2805).

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 (2810).

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

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

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.

Thereafter, the server receives and reads the card registration request information from the terminal through the network means and issues the affiliated card through leasing the card number to the customer based on the customer information included in the card registration request information. The card registration validity for issuing the affiliate card is verified (2815).

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

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

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

In addition, validity confirmation for issuing the alliance card to the customer includes subscriber management means (for example, subscriber information D / B (not shown) and subscription management server (not shown)) on the wireless communication network corresponding to the customer wireless terminal information. Etc.), it is preferable to include checking whether the customer wireless terminal information is valid.

If the validity to issue the affiliate card to the customer is not authenticated through the card registration application information (2820), the server provides card registration error information to the customer through the card registration interface (2825). Stop issuing the affiliate card to the customer.

On the other hand, if the validity to issue the affiliate card to the customer through the card registration application information is authenticated (2820), the server to the card company server 110 based on the card registration application information through the communication means Transmitting the number request information (2830), and correspondingly the card company server 110 extracts a predetermined card number leased from the rental card number D / B (270) to the card issuing affiliated agency, and the extracted After generating a predetermined card verification value (or verification code) corresponding to the card number (2835), the extracted card number and the card verification value (or verification code) are transmitted to the server through the communication means (2840). ).

According to another exemplary embodiment of the present invention, the card company server 110 extracts the card number from the rental card number D / B 270 in response to the card number request information and transmits the card number to the server. If the predetermined card verification value (or verification code) request information corresponding to the card number is received from the card number, the predetermined card verification value (or verification code) corresponding to the card number may be generated and transmitted to the server. The present invention is not limited thereby.

When the card number and the card verification value (or verification code) are received from the card company server 110 as described above, the server receives predetermined affiliate card information including the affiliate card number and the card verification value (or verification code). Create (2845).

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

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

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

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

Thereafter, the server sets usage amount information including a predetermined limit amount assigned to the affiliate card by the card issuing affiliate institution and approval target information for each limit on the usage amount (2850).

According to the implementation method of the present invention, the server preferably sets a certain amount of money to be used by the card issuing affiliate to the affiliated card according to the utilization policy of the card issuing affiliate.

Alternatively, the server may set the predetermined amount in consideration of the customer grade set by the card issuing affiliate institution or the loyalty of the customer to the card issuing affiliate institution based on the customer information included in the card registration application information. It is preferable that the card issuance affiliated institution set the usage amount to be assigned to the affiliated card.

Alternatively, the server checks the credit rating of the customer in connection with at least one credit rating server (not shown) based on the customer information included in the card registration application information, and then, the server determines a predetermined amount of money corresponding to the credit rating. It is preferable that the card issuance affiliated institution set the usage amount to be assigned to the affiliated card.

Alternatively, the server checks the account balance of the customer in connection with at least one financial company server (not shown) based on the customer information included in the card registration application information, and then sets a predetermined amount of money corresponding to the account balance. It is preferable that the card issuance affiliated institution set the usage amount to be assigned to the affiliated card.

Or, the server requests the credit limit amount information of the customer to the card company server 110 provided in the card issuing agency based on the customer information included in the card registration application information, and the credit limit amount to be confirmed It is preferable to set the corresponding fixed amount of money to the utilization amount that the card issuing affiliate institution gives to the affiliate card.

Those skilled in the art to which the present invention pertains, in addition to the usage setting method described above, it is possible to infer various implementation methods in which the card issuing affiliate institution gives a predetermined usage amount to the affiliate card. It is preferable that the invention includes all the methods of inferring the above.

According to an exemplary embodiment of the present invention, the server sets approval target information for each limit including at least one or more affiliate store information (or affiliate store group information) to be processed for payment through the set utilization amount, and / or the set Set per-approval authorization information that includes at least one one-time payment amount, or at least one daily / weekly / monthly payment amount through a usage amount; and / or the affiliate card processes payment through an online payment channel. Set the approval target information for each limit to allow the payment amount to be processed through the utilization amount or to process the payment amount through the utilization amount when the payment is processed through the offline payment channel. It is desirable to.

According to another exemplary embodiment of the present invention, the approval target information for each limit may include information for first subtracting the payment amount through the affiliate card from the usage amount regardless of the payment condition corresponding to the affiliate card. It is possible, and the invention is not limited thereby.

If the utilization amount information for the affiliate card and the authorization target information for each limit on the utilization amount are set (2855), the server may provide a predetermined card applet including the generated (or extracted) affiliate card information ( Or IC chip storage information) (2860), and the generated card applet (or IC chip storage information) to the customer wireless terminal through a wireless communication network corresponding to the customer wireless terminal information included in the card registration application information. Send (2865).

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 2690.

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 2690 to the customer wireless terminal (for example, a 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). (2870).

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 275 (2875).

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 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.

In addition, the utilization amount information for the affiliated card is preferably made to include a predetermined amount of the limit given to the affiliated card by the card issuing affiliated institution, and then a part (or all) of the utilization amount is the card. It is preferable to deposit in the form of a customer allowance from the issuing affiliate institution to the card issuer.

According to an exemplary embodiment of the present invention, the approval target information for each limit includes at least one merchant information (or merchant group information), payment amount information, online / offline payment channel information, etc. to be paid and processed through the utilization amount. It is preferable to comprise at least one or more.

According to another exemplary embodiment of the present invention, the approval target information for each limit may include information for first subtracting the payment amount through the affiliate card from the usage amount regardless of the payment condition corresponding to the affiliate card. It is possible, and the invention is not limited thereby.

Thereafter, the server issues the at least one affiliate card including at least one of customer information corresponding to the affiliate card, card information, and card attribute information to the card company server 110 through the communication means. In operation 2880, the card company server 110 stores the affiliate card operation information further including the card issuing affiliate information in the affiliate card issuing information in a predetermined card information D / B 280 ( 2885).

In addition, the card company server 110 sets predetermined credit limit amount information for the affiliated card and approval target information for each limit on the card limit amount (2890).

According to an embodiment of the present invention, when the affiliate card includes a credit card attribute, the card company server 110 checks the credit rating of the customer who is issued the affiliate card, and then predetermined credit limit corresponding to the customer credit rating. It is preferable to set the amount of money to the card limit amount of money.

According to another embodiment of the present invention, when the affiliate card includes a check card / debit card attribute, the card company server 110 checks the customer account associated with the affiliate card, and stores the customer account balance on the card. It is preferable to set the limit amount.

In addition, the card company server 110 sets the permissible information for each limit including at least one or more merchant information (or merchant group information) to be settled through the set credit limit amount, and / or the set credit limit. Setting a per-approval target information that includes at least one payment amount per day or at least one daily / weekly / monthly payment amount, and / or when the affiliate card is processed through an online payment channel. It is recommended to set the subject-specific authorization information to allow the payment amount to be processed through the card limit amount or to process the payment amount through the card limit amount when the payment amount is processed through the offline payment channel. desirable.

According to another exemplary embodiment of the present invention, the card company server 110 allows the approval target information for each limit to be first subtracted from the card limit amount of the payment amount through the affiliate card regardless of the payment condition corresponding to the affiliate card. Or, it may be made to include information to first subtract from the usage amount registered in the affiliate server 100, whereby the present invention is not limited.

If the predetermined card limit amount information for the affiliated card and the approval target information for each limit on the card limit amount are set (2892), the card company server 110 checks the card limit amount information and the card limit amount. The approval target information for each limit is included in the affiliated card operation information and stored in the card information D / B 280 (2894).

According to an embodiment of the present invention, the card information D / B 280 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 280 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 280 is an online payment system provided in the card issuer (or associated), and / or a WAP-based wireless payment system, and / or an IC. It is possible to be provided in the DBMS on at least one or more of the chip-based 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 280 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 110 transmits the set card limit amount information and the authorization target information for each limit on the card limit amount to the server through the communication means (2896). The affiliated card issuance information stored in the medium 275 further includes the card limit amount information and the limit target approval information for the card limit amount (2898).

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

In more detail, Fig. 29 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. By providing card registration application information for issuing an affiliate card through a predetermined card number lease, the card issuing affiliated agency provides a wireless IC chip provided to the customer to the customer based on the provided card registration application information. A system configuration for issuing an affiliate card in the form of a card applet (or IC chip storage information). Specifically, when the card issuing agency requests a predetermined card number to be assigned to the affiliate card from the card issuing agency, In response, the card issuing institution generates a rental card number and provides the card issuing partner to the card issuing agency. A method for allocating the rental card number to a predetermined affiliated card is shown in a card issuing affiliated institution.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 29 to infer various implementation methods for the configuration of a card registration system for issuing an affiliated card through leasing the card number. However, the present invention includes all the implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

Hereinafter, the card applet (or IC chip) 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. 29. At least one means for issuing an affiliated card in the form of stored information) and / or a component corresponding to a functional configuration is referred to as a “partner server 100” for convenience, and the card issuing affiliated agency provided with the affiliated server 100 It is preferable to include at least one of a mobile communication company, various wireless communication companies, various wire communication companies, portal operators and the like, which are affiliated with the card issuing organization.

Referring to this figure 29 according to the embodiment of the present invention, the card registration system for issuing an affiliate card through the lease of the card number, an employee terminal used by an affiliated employee provided in at least one card issuer (or financial institution) And / or a client terminal including at least one wired terminal and / or a wireless terminal used by the customer when the card registration system supports a non-face-to-face card registration application. Characterized in that the employee terminal and / or client terminal is connected to the communication channel and the affiliate server 100 provided in the card issuing affiliate institution through a predetermined network means.

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

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

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

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

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

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

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

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the client terminal corresponding to at least one 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 storage medium 275 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 issuance information including at least one affiliated card information and at least one card attribute information, wherein the affiliated card issuance information stored in the storage medium 275 is leased by the card issuing agency. It is used to provide affiliate card related services through.

According to another exemplary embodiment of the present invention, the storage medium 275 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 275 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 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 200 (or interface means) for providing a predetermined card registration interface to the card registration terminal through the network connection. It is done.

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 200 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 200 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 200 connects a communication channel with the client terminal based on the TCP / IP protocol, By using the HTPP protocol defined in the browser program, a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) and / or information is provided.

Alternatively, when a predetermined card registration application program provided by the affiliate server 100 is provided in the client terminal, the interface unit 200 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 200 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 200 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 100, the interface unit 200 connects a communication channel with the client terminal based on the CDMA protocol, the communication program Provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in.

Referring to FIG. 29, the affiliate server 100 is connected with the interface unit 200 when a predetermined card registration terminal is connected to the affiliate server 100 through the interface unit 200. An interface providing unit 205 (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 210 (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 200, and the reception unit; Validation authentication unit 215 (or validity to check the validity of issuing the affiliate card to the customer based on the registered card registration application information) An increase means) and a card company server 110 requesting a predetermined card number to be assigned to the affiliated card on the basis of the card registration application information through the communication means, and correspondingly, a predetermined card number is assigned from the card company server 110. A card number generation unit (225) (or card number assignment means) for receiving a rental card number and assigning it to an affiliate card number of the registered affiliate card, and generating predetermined affiliate card information including the affiliate card number. Usage setting for setting the usage amount given to the customer by the card issuing affiliated agency and the limit of the usage amount in correspondence with the information generating unit 230 (or information generating means) and the affiliated card. An applet generation unit 2859 (or usage setting means) and a predetermined applet (or IC chip storage information) that includes the associated card information; Or applet generating means) and providing the card applet (or IC chip storage information) to the customer wireless terminal through a predetermined wireless communication network to record the information on the wireless IC chip provided in the customer wireless terminal. A card issuing unit 245 (or card issuing means), and an information storage unit 240 (or information storing means) for storing affiliate card issuance information corresponding to the affiliated card issued to the customer in the storage medium 275. It is characterized by comprising a).

In addition, the affiliate server 100 after the predetermined partnership card is issued through the card issuing unit 245, the predetermined through the communication means (for example, a dedicated communication network, or a secure communication network based on encrypted communication) The card company server 110 provided in the card issuing organization is characterized in that it comprises an information transmitting and receiving unit 220 for transmitting the customer information, card information, and card attribute information corresponding to the partnership card.

In addition, the information transmitting and receiving unit 220, the card number assignment unit 225 to allocate a predetermined cooperation card number, in connection with the card number assignment unit 225, the card registration application through the communication means The card company server 110 requests a predetermined card number based on the information (or transmits card number request information), and correspondingly receives the predetermined card number from the card company server 110 to allocate the card number. It is possible to provide to the unit 225, whereby the present invention is not limited.

In addition, the information transmitting and receiving unit 220, when a predetermined cooperation card number is assigned by the card number assignment unit 225, the card company server 110 provided in the card issuer through the communication means to the card company The affiliate card number assigned by the number assignment unit 225 is transmitted, and a card verification value (or verification code) corresponding to the affiliate card number from the card company server 110 (eg, a CVV (Card Verification) of a visa card. Value), CVC (Card Validation Code) of the master card, CID (Confidential Identifier Number or Card Identification Number) of the American Express card), and the like, and the card company server 110 for allocating the affiliated card number. When the predetermined card verification value (or verification code) is included in the rental card number received from the card, the information transmitting / receiving unit 220 checks the card verification value (or check) for the affiliated card number. The ability to send and receive code) but may be omitted.

The interface providing unit 205, when a predetermined card registration terminal is connected to the affiliate server 100 through the interface unit 200, 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 the interface unit 200 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.

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 205 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 user interface generated (or extracted) to the employee terminal through the interface unit 200.

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 providing unit 205 may include a browser program provided in the client terminal and / 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 200.

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 providing unit 205 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 200.

The information receiving unit 210 inputs (or selects) predetermined card registration request information through the user interface through the user interface at the card registration terminal, and registers the card in cooperation with the interface unit 200. Characterized by receiving the application information, and provides the received card registration application information to the validity authentication unit 215.

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

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

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.

According to the embodiment of the present invention, the card registration application information may further comprise predetermined utilization application information including a predetermined utilization request amount, in which case the utilization setting unit 235 may It is possible to set the utilization amount for the affiliated card based on the utilization request amount included in the utilization application information, whereby the present invention is not limited.

The validity authentication unit 215 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.

In addition, validity confirmation for issuing the alliance card to the customer includes subscriber management means (for example, subscriber information D / B (not shown) and subscription management server (not shown)) on the wireless communication network corresponding to the customer wireless terminal information. Etc.), it is preferable to include checking whether the customer wireless terminal information is valid.

The card number assignment unit 225 is a card company server provided in the card issuing organization based on the card registration application information through the communication means (or through the communication means in association with the information transmitting and receiving unit 220) ( Request a predetermined card number to be assigned to the affiliate card (or transmit card number request information), and confirm (or receive) a predetermined rental card number to be assigned to the affiliate card from the card company server 110; And generating (or extracting) a predetermined affiliate card number including the lease card number and assigning it to the affiliate card.

According to an embodiment of the present invention, when the lease card number received from the card company server 110 includes a 16-digit lease card number, the card number assignment unit 225 converts the lease card number into the affiliate card number. It is preferable to extract.

According to another embodiment of the present invention, if the lease card number received from the card company server 110 includes the 9-digit serial number of the 16-digit card number, the card number assignment unit 225 is the 9-digit serial It is preferable to generate a predetermined affiliate card number including a lease card number corresponding to the number, a card issuer information number, a card type number, and a check digit.

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

According to the method of the present invention, when a predetermined cooperation card number is assigned by the card number assignment unit 225, the information transmitting and receiving unit 220 is a card company server provided in the card issuer through the communication means ( The card number assignment unit 225 transmits the affiliate card number assigned by the card number assignment unit 225, and a card verification value (or verification code) corresponding to the affiliate card number from the card company server 110 (eg, a visa card). It is preferable to receive the CVV (Card Verification Value), Master Card CVC (Card Validation Code), American Express card CID (Confidential Identifier Number or Card Identification Number), etc., received from the card company server 110 When the card verification value (or verification code) is included in the rental card number, or when the card verification value (or verification code) generation function is provided in the card number assignment unit 225, The function of transmitting / receiving a card verification value (or verification code) for the affiliated card number may be omitted.

When the association card number is generated (or extracted) as described above, the card information generation unit 230 may generate predetermined association card information including the association card number.

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

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

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

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

When predetermined affiliated card information included in the affiliated card is generated by the card information generating unit 230, the utilization setting unit 235 sets a predetermined amount of money according to the utilization policy of the card issuing affiliated institution. Characterized in that the issuing affiliated institution is set to the usage amount that is assigned to the affiliated card.

Alternatively, the utilization setting unit 235 may determine the customer grade set by the card issuing affiliate institution or the loyalty of the customer to the card issuing affiliate institution based on the customer information included in the card registration application information. In consideration of the above, the predetermined amount is set as a usage amount that the card issuing affiliate institution gives to the affiliated card.

Alternatively, the utilization setting unit 235 checks the credit rating of the customer in association with at least one credit evaluation server (not shown) based on the customer information included in the card registration application information, and then corresponds to the credit rating. It is characterized in that the predetermined amount of money is set to the utilization amount that the card issuing affiliated organization gives to the affiliated card.

Alternatively, the utilization setting unit 235 checks the account balance of the customer in association with at least one financial company server (not shown) based on the customer information included in the card registration application information, and then corresponds to the account balance. It is characterized by setting a certain amount of money to the utilization amount that the card issuing affiliated organization gives to the affiliated card.

Alternatively, the utilization setting unit 235 requests the credit limit amount information of the customer to the card company server 110 provided in the card issuing agency based on the customer information included in the card registration application information, Characterized in that a certain percentage of the amount corresponding to the credit limit amount to be confirmed is characterized in that the card issuance affiliated institutions to set the amount of the usage amount that the affiliated card.

Those skilled in the art to which the present invention pertains, in addition to the usage setting method described above, it is possible to infer various implementation methods in which the card issuing affiliate institution gives a predetermined usage amount to the affiliate card. The invention is characterized in that it comprises all the methods of inference.

According to the exemplary embodiment of the present invention, the utilization setting unit 235 sets approval target information for each limit including at least one or more affiliate store information (or affiliate store group information) to be paid and processed through the set utilization amount. And / or to set the per-approval target information including at least one or more one-time payment amount or daily / weekly / monthly payment amount to be processed through the set utilization amount, and / or the affiliate card is online. Limit to allow the payment amount to be processed through the utilization amount when the payment is made through the payment channel, or to process the payment amount through the utilization amount when the payment is processed through the offline payment channel. It is desirable to set the approval target information.

According to another exemplary embodiment of the present invention, the approval target information for each limit may include information for first subtracting the payment amount through the affiliate card from the usage amount regardless of the payment condition corresponding to the affiliate card. It is possible, and the invention is not limited thereby.

When predetermined affiliated card information included in the affiliated card is generated by the card information generator 230, the applet generator 2859 may store a predetermined card applet (or IC chip storage information) including the affiliated card information. The card applet (or IC chip storage information) is recorded in a wireless IC chip provided in the customer wireless terminal and has a file structure operable on a chip operating system (COS) on the wireless IC chip. It is preferable to comprise.

When the card applet (or IC chip storage information) is generated by the applet generating unit 2985, the card issuing unit 245 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.

Thereafter, the information storage unit 240 includes customer information included in the card registration application information received from the customer through the information receiving unit 210, the generated affiliate card information, card attribute information for the affiliate card, and the like. And storing the affiliated card issuing information including at least one usage amount information of the affiliated card and at least one approval target information for each of the affiliated cards in the storage medium 275.

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.

In addition, the utilization amount information for the affiliated card is preferably made to include a predetermined amount of the limit given to the affiliated card by the card issuing affiliated institution, and then a part (or all) of the utilization amount is the card. It is preferable to deposit in the form of a customer allowance from the issuing affiliate institution to the card issuer.

According to an exemplary embodiment of the present invention, the approval target information for each limit includes at least one merchant information (or merchant group information), payment amount information, online / offline payment channel information, etc. to be paid and processed through the utilization amount. It is preferable to include at least one or more.

According to another exemplary embodiment of the present invention, the approval target information for each limit may include information for first subtracting the payment amount through the affiliate card from the usage amount regardless of the payment condition corresponding to the affiliate card. It is possible, and the invention is not limited thereby.

Referring to FIG. 29, the card company server 110 of the card issuing organization connected to the affiliate server 100 through a predetermined communication means receives predetermined card number request information from the affiliate server 100 through the communication means. When the card number request information is received from the affiliate server 100 through the information transmitting and receiving unit 2950 (or information receiving means) and the information transmitting and receiving unit 2950, the card number request information And a card number generation unit 2997 for generating a predetermined lease card number to be assigned to the affiliated card. The information transmitting / receiving unit 2950 (or information transmitting means) may use the lease card number. Characterized in that the transmission to the affiliate server (100).

According to the present invention, when the card number generation unit 2997 generates a predetermined rental card number, a verification information generation unit for generating a predetermined card verification value (or verification code) corresponding to the generated card number ( 2955), in which case the information transmitting and receiving unit 2950 (or information transmitting means) transmits the rental card number and the card verification value (or verification code) to the affiliate server 100. Characterized in that.

Here, the rental card number, including all 16-digit card number, or the nine-digit serial number of the 16-digit card number (for example, the first four digits corresponding to the card issuing agency number and corresponding to the card type number) The next 2 digits and the remaining 9 digits of the serial number except the last 1 digit corresponding to the check digit). You may.

Those skilled in the art to which the present invention pertains, The verification information generation unit 2955 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 the present invention, the card company server 110 of the card issuing organization connected to the affiliate server 100 through a predetermined communication means may receive a predetermined card verification value from the affiliate server 100 through the communication means. Or verification code) an information transmitting / receiving unit 2950 (or information receiving means) for receiving request information and a predetermined affiliate card number from the affiliate server 100 via the information transmitting / receiving unit 2950 (or And a verification information generation unit 2955 for generating a predetermined card verification value (or verification code) corresponding to the affiliated card number when a card verification value (or verification code) is requested), The information transmitting and receiving unit 2950 (or information transmitting means) is characterized in that for transmitting the card verification value (or verification code) corresponding to the affiliate card number to the affiliate server 100.

According to the present invention, the card company server 110 of the card issuing organization connected to the affiliate server 100 through a predetermined communication means corresponds to the issued affiliate card from the affiliate server 100 through the communication means. An information transmitting / receiving unit 2950 (or information receiving means) for receiving affiliate card issuance information including at least one of customer information, affiliate card information, and card attribute information corresponding to the affiliate card; An information storage unit 2960 for storing affiliate card operation information obtained by linking the affiliate card information and the card attribute information with the affiliated agency information corresponding to the card issuing affiliated institution in the predetermined card information D / B 2980; Characterized in that made.

Referring to FIG. 29, the card company server 110 of the card issuing organization, which is connected to the affiliate server 100 through a predetermined communication means, may determine a predetermined card limit amount and the card limit amount for the affiliate card. A card limit setting unit 2965 (or a card limit setting means) for setting an approval target for each limit, and the card limit amount information and the limit target approval information for the card limit amount are included in the cooperation card operation information. The information storage unit 2960 (or information storage means) stored in the card information D / B (2980), the limit information of the card limit amount information and the limit of authorization information for the card limit amount through the communication means through the affiliated company Characterized in that it comprises an information transmitting and receiving unit 2950 (or information transmission means) for transmitting to the server 100.

If the affiliated card includes a credit card attribute, the card limit setting unit 2965 checks the credit rating of the customer who is issued the affiliate card, and then sets a predetermined credit limit amount corresponding to the credit limit. It characterized in that it is set to.

Alternatively, when the affiliated card includes a check card / debit card attribute, the card limit setting unit 2965 checks a customer account associated with the affiliated card, and sets the customer account balance as the card limit amount. It is characterized by.

According to the exemplary embodiment of the present invention, the card limit setting unit 2965 may set approval target information for each limit including at least one or more affiliate store information (or affiliate store group information) to be processed for payment through the set credit limit amount. And / or set authorization target information for each limit including at least one one-time payment amount or daily / weekly / monthly payment amount to be processed through the set credit limit amount, and / or the affiliate card is If the payment is processed through the online payment channel, the payment amount is processed through the card limit amount, or if the payment is processed through the offline payment channel, the payment amount is processed through the card limit amount. It is desirable to set approval target information for each limit.

According to another exemplary embodiment of the present invention, the approval target information for each limit may be set to first subtract the payment amount through the affiliate card from the card limit amount, regardless of the payment condition corresponding to the affiliate card, or the affiliate server ( It is possible to include information to first subtract from the usage amount registered in 100), whereby the present invention is not limited.

Thereafter, the affiliated card operation information stored in the card information D / B 2980 is used by the card issuer to provide a payment service or various additional services in association with at least one affiliated store.

According to one embodiment of the present invention, the card information D / B 2980 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 2980 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 2980 may include an online payment system, and / or a WAP-based wireless payment system, and / or an IC chip provided in (or associated with) the card issuer. It is possible to be provided in the DBMS on at least one or more of the base wireless payment system, and / or the tele payment system, whereby the present invention is not limited.

According to another embodiment of the present invention, the card information D / B 2980 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.

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

In more detail, in FIG. 30, in the card registration system shown in FIG. 29, a predetermined customer creates a predetermined card registration application through a face-to-face card registration interface (for example, the card registration application, an employee terminal, and a network means). 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 shows a process of issuing a predetermined affiliate card by renting the card number to the customer based on the card registration application information, and specifically, from the card issuing affiliate institution to the card issuing institution to the affiliate card. When requesting a predetermined card number to be allocated, the card issuing agency correspondingly rents a card. Generating a call to service by the card-issuing partners, and from the card-issuing partners shows a exemplary method for allocating the rental card number to a predetermined affiliated card.

Those skilled in the art to which the present invention pertains can refer to this drawing 30 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. 30 illustrates that the affiliated card is produced and provided (or delivered) to the customer, and then the affiliated card issuance information is stored in the storage medium 275. The process of storing the predetermined affiliate card issuance information in the storage medium 275 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. 30, the card registration terminal shown in FIG. 29 is referred to as a "terminal" for convenience, and the affiliate server 100 is referred to as a "server" for convenience.

Referring to FIG. 30, in order to issue the affiliated card for issuing an affiliated card through lease of the card number, the customer is prescribed through a face-to-face card registration interface (eg, the card registration application, employee terminal, and network means). When a card registration application (for example, a document having a form for filling in at least one information item for issuance of an affiliate card through lease of the card number) is completed and submitted to an affiliated employee, the terminal is connected by the affiliated employee. The card registration application information corresponding to the card registration application prepared by the customer is input (or selected) through a predetermined user interface (3000), and the card registration application information is transmitted to the server through the network means (3005). .

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

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

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.

Thereafter, the server receives and reads the card registration request information from the terminal through the network means and issues the affiliated card through leasing the card number to the customer based on the customer information included in the card registration request information. The card registration validity for issuing the affiliate card is verified (3010).

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

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

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

In addition, validity confirmation for issuing the alliance card to the customer includes subscriber management means (for example, subscriber information D / B (not shown) and subscription management server (not shown)) on the wireless communication network corresponding to the customer wireless terminal information. Etc.), it is preferable to include checking whether the customer wireless terminal information is valid.

If the validity to issue the affiliate card to the customer is not authenticated through the card registration application information (3015), the server provides card registration error information to the customer through the card registration interface (3020). 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 (3015), the server sends the card to the card company server 110 based on the card registration application information through the communication means. Sending the number request information (3025), and correspondingly, the card company server 110 generates a predetermined card number to be leased to the card issuing affiliate institution, and the predetermined card verification value corresponding to the generated card number ( Or after generating the verification code (3030), and transmits the generated card number and the card verification value (or verification code) to the server through the communication means (3035).

According to another exemplary embodiment of the present invention, the card company server 110 generates the rental card number in response to the card number request information and transmits the rental card number to the server, and then a predetermined card corresponding to the card number from the server. When the verification value (or verification code) request information is received, a predetermined card verification value (or verification code) corresponding to the card number may be generated and transmitted to the server, and the present invention is not limited thereto.

When the card number and the card verification value (or verification code) are received from the card company server 110 as described above, the server receives predetermined affiliate card information including the affiliate card number and the card verification value (or verification code). Create (3040).

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

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

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

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

Thereafter, the server sets usage amount information including a predetermined limit amount assigned to the affiliate card by the card issuing affiliate institution and approval target information for each limit on the usage amount (3045).

According to the implementation method of the present invention, the server preferably sets a certain amount of money to be used by the card issuing affiliate to the affiliated card according to the utilization policy of the card issuing affiliate.

Alternatively, the server may set the predetermined amount in consideration of the customer grade set by the card issuing affiliate institution or the loyalty of the customer to the card issuing affiliate institution based on the customer information included in the card registration application information. It is preferable that the card issuance affiliated institution set the usage amount to be assigned to the affiliated card.

Alternatively, the server checks the credit rating of the customer in connection with at least one credit rating server (not shown) based on the customer information included in the card registration application information, and then, the server determines a predetermined amount of money corresponding to the credit rating. It is preferable that the card issuance affiliated institution set the usage amount to be assigned to the affiliated card.

Alternatively, the server checks the account balance of the customer in connection with at least one financial company server (not shown) based on the customer information included in the card registration application information, and then sets a predetermined amount of money corresponding to the account balance. It is preferable that the card issuance affiliated institution set the usage amount to be assigned to the affiliated card.

Or, the server requests the credit limit amount information of the customer to the card company server 110 provided in the card issuing agency based on the customer information included in the card registration application information, and the credit limit amount to be confirmed It is preferable to set the corresponding fixed amount of money to the utilization amount that the card issuing affiliate institution gives to the affiliate card.

Those skilled in the art to which the present invention pertains, in addition to the usage setting method described above, it is possible to infer various implementation methods in which the card issuing affiliate institution gives a predetermined usage amount to the affiliate card. It is preferable that the invention includes all the methods of inferring the above.

According to an exemplary embodiment of the present invention, the server sets approval target information for each limit including at least one or more affiliate store information (or affiliate store group information) to be processed for payment through the set utilization amount, and / or the set Set per-approval authorization information that includes at least one one-time payment amount, or at least one daily / weekly / monthly payment amount through a usage amount; and / or the affiliate card processes payment through an online payment channel. Set the approval target information for each limit to allow the payment amount to be processed through the utilization amount or to process the payment amount through the utilization amount when the payment is processed through the offline payment channel. It is desirable to.

According to another exemplary embodiment of the present invention, the approval target information for each limit may include information for first subtracting the payment amount through the affiliate card from the usage amount regardless of the payment condition corresponding to the affiliate card. It is possible, and the invention is not limited thereby.

If the utilization amount information for the affiliate card and the authorization target information for each limit on the utilization amount are set (3050), the server generates a predetermined card applet including the generated (or extracted) affiliate card information ( Or IC chip storage information) (3055), and the generated card applet (or IC chip storage information) is transferred to the customer wireless terminal through a wireless communication network corresponding to the customer wireless terminal information included in the card registration application information. Send (3060).

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 2990.

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 (2990) 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). (3065).

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 275 (3070).

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.

In addition, the utilization amount information for the affiliated card is preferably made to include a predetermined amount of the limit given to the affiliated card by the card issuing affiliated institution, and then a part (or all) of the utilization amount is the card. It is preferable to deposit in the form of a customer allowance from the issuing affiliate institution to the card issuer.

According to an exemplary embodiment of the present invention, the approval target information for each limit includes at least one merchant information (or merchant group information), payment amount information, online / offline payment channel information, etc. to be paid and processed through the utilization amount. It is preferable to comprise at least one or more.

According to another exemplary embodiment of the present invention, the approval target information for each limit may include information for first subtracting the payment amount through the affiliate card from the usage amount regardless of the payment condition corresponding to the affiliate card. It is possible, and the invention is not limited thereby.

Thereafter, the server issues the at least one affiliate card including at least one of customer information corresponding to the affiliate card, card information, and card attribute information to the card company server 110 through the communication means. The card company server 110 transmits the information (3075), and stores the alliance card operation information further including the card issuing affiliate information in the alliance card issuance information in the predetermined card information D / B 280 ( 3080).

In addition, the card company server 110 sets predetermined credit limit amount information for the affiliated card and approval target information for each limit on the credit limit amount (3085).

According to an embodiment of the present invention, when the affiliate card includes a credit card attribute, the card company server 110 checks the credit rating of the customer who is issued the affiliate card, and then predetermined credit limit corresponding to the customer credit rating. It is preferable to set the amount of money to the card limit amount of money.

According to another embodiment of the present invention, when the affiliate card includes a check card / debit card attribute, the card company server 110 checks the customer account associated with the affiliate card, and stores the customer account balance on the card. It is preferable to set the limit amount.

In addition, the card company server 110 sets the permissible information for each limit including at least one or more merchant information (or merchant group information) to be settled through the set credit limit amount, and / or the set credit limit. Set up a per-approval target information that includes at least one payment amount per day, or at least one daily / weekly / monthly payment amount, and / or the affiliate card is processed through an online payment channel. If the payment amount is processed through the card limit amount, or if the payment is processed through the offline payment channel, setting the target information for each limit to allow the payment amount to be processed through the card limit amount. It is preferable.

According to another exemplary embodiment of the present invention, the card company server 110 allows the approval target information for each limit to be first subtracted from the card limit amount of the payment amount through the affiliate card regardless of the payment condition corresponding to the affiliate card. Or, it may be made to include information to first subtract from the usage amount registered in the affiliate server 100, whereby the present invention is not limited.

If the predetermined card limit amount information for the affiliated card and the approval target information for each limit on the card limit amount are set (3090), the card company server 110 may determine the card limit amount information and the card limit amount. The authorization target information for each limit is included in the affiliated card operation information and stored in the card information D / B 280 (3095).

According to an embodiment of the present invention, the card information D / B 280 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 280 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 280 is an online payment system, and / or a WAP-based wireless payment system, and / or an IC chip provided in (or associated with) the card issuer. It is possible to be provided in the DBMS on at least one or more of the base wireless payment system, and / or the tele payment system, whereby the present invention is not limited.

According to another embodiment of the present invention, the card information D / B 280 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 110 transmits the set card limit amount information and the authorization target information for each limit on the card limit amount to the server through the communication means (3097). The affiliated card issuance information stored in the medium 275 further includes the card limit amount information and the limit target approval information for the card limit amount (3099).

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

More specifically, Figure 31 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 29. When accessing the affiliate server 100 through the input (or select) the predetermined card registration application information and transmits, the affiliate server 100 leases the card number to the customer based on the card registration application information As a process of issuing a predetermined affiliate card through a card, specifically, when the card issuing agency requests a predetermined card number to be assigned to the affiliated card from the card issuing institution, the card issuing institution rents the card. Generate a card number and provide it to the card issuing affiliate institution. Is a number, the rental card showing the exemplary method of allocating a given affiliated card.

Those skilled in the art to which the present invention pertains can deduce various implementation methods for issuing the alliance card for issuing the alliance card through lease of the card number by referring to and / or modifying the drawing 31. However, the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

For example, FIG. 31 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 275. The process of storing the predetermined affiliate card issuance information in the storage medium 275 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. 31, the card registration terminal shown in FIG. 29 is called "terminal" for convenience, and the affiliate server 100 is called "server" for convenience.

Referring to FIG. 31, the customer accesses the server through a predetermined terminal to connect a communication channel for card registration application, and the affiliate card for issuing an affiliate card through leasing the card number through the communication channel. In response to the issuance (3100), the server generates (or extracts) a user interface for issuing the alliance card and provides it to the terminal through the communication channel (3105).

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 (3110).

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

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

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.

Thereafter, the server receives and reads the card registration request information from the terminal through the network means and issues the affiliated card through leasing the card number to the customer based on the customer information included in the card registration request information. The card registration validity for issuing the affiliate card is verified (3115).

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

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

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

In addition, validity confirmation for issuing the alliance card to the customer includes subscriber management means (for example, subscriber information D / B (not shown) and subscription management server (not shown)) on the wireless communication network corresponding to the customer wireless terminal information. Etc.), it is preferable to include checking whether the customer wireless terminal information is valid.

If the validity to issue the affiliate card to the customer is not authenticated through the card registration application information (3120), the server provides card registration error information to the customer through the card registration interface (3125). Stop issuing the affiliate card to the customer.

On the other hand, if the validity to issue the affiliate card to the customer through the card registration application information is authenticated (3120), the server to the card company server 110 based on the card registration application information through the communication means Sending the number request information (3130), and correspondingly, the card company server 110 generates a predetermined card number to be leased to the card issuing affiliate institution, and a predetermined card verification value corresponding to the generated card number ( Or a verification code) (3135), and transmits the generated card number and the card verification value (or verification code) to the server through the communication means (3140).

According to another exemplary embodiment of the present invention, the card company server 110 generates the rental card number in response to the card number request information and transmits the rental card number to the server, and then a predetermined card corresponding to the card number from the server. When the verification value (or verification code) request information is received, a predetermined card verification value (or verification code) corresponding to the card number may be generated and transmitted to the server, and the present invention is not limited thereto.

When the card number and the card verification value (or verification code) are received from the card company server 110 as described above, the server receives predetermined affiliate card information including the affiliate card number and the card verification value (or verification code). Create (3145).

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

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

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

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

Thereafter, the server sets usage amount information including a predetermined limit amount assigned to the affiliate card by the card issuing affiliate institution and approval target information for each limit on the usage amount (3150).

According to the implementation method of the present invention, the server preferably sets a certain amount of money to be used by the card issuing affiliate to the affiliated card according to the utilization policy of the card issuing affiliate.

Alternatively, the server may set the predetermined amount in consideration of the customer grade set by the card issuing affiliate institution or the loyalty of the customer to the card issuing affiliate institution based on the customer information included in the card registration application information. It is preferable that the card issuance affiliated institution set the usage amount to be assigned to the affiliated card.

Alternatively, the server checks the credit rating of the customer in connection with at least one credit rating server (not shown) based on the customer information included in the card registration application information, and then, the server determines a predetermined amount of money corresponding to the credit rating. It is preferable that the card issuance affiliated institution set the usage amount to be assigned to the affiliated card.

Alternatively, the server checks the account balance of the customer in connection with at least one financial company server (not shown) based on the customer information included in the card registration application information, and then sets a predetermined amount of money corresponding to the account balance. It is preferable that the card issuance affiliated institution set the usage amount to be assigned to the affiliated card.

Or, the server requests the credit limit amount information of the customer to the card company server 110 provided in the card issuing agency based on the customer information included in the card registration application information, and the credit limit amount to be confirmed It is preferable to set the corresponding fixed amount of money to the utilization amount that the card issuing affiliate institution gives to the affiliate card.

Those skilled in the art to which the present invention pertains, in addition to the usage setting method described above, it is possible to infer various implementation methods in which the card issuing affiliate institution gives a predetermined usage amount to the affiliate card. It is preferable that the invention includes all the methods of inferring the above.

According to an exemplary embodiment of the present invention, the server sets approval target information for each limit including at least one or more affiliate store information (or affiliate store group information) to be processed for payment through the set utilization amount, and / or the set Set per-approval authorization information that includes at least one one-time payment amount, or at least one daily / weekly / monthly payment amount through a usage amount; and / or the affiliate card processes payment through an online payment channel. Set the approval target information for each limit to allow the payment amount to be processed through the utilization amount or to process the payment amount through the utilization amount when the payment is processed through the offline payment channel. It is desirable to.

According to another exemplary embodiment of the present invention, the approval target information for each limit may include information for first subtracting the payment amount through the affiliate card from the usage amount regardless of the payment condition corresponding to the affiliate card. It is possible, and the invention is not limited thereby.

If the utilization amount information for the affiliate card and the authorization target information for each limit on the utilization amount are set (3155), the server generates a predetermined card applet including the generated (or extracted) affiliate card information ( Or IC chip storage information) (3160), and the generated card applet (or IC chip storage information) to the customer wireless terminal through a wireless communication network corresponding to the customer wireless terminal information included in the card registration application information. Transmit (3165).

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 2990.

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 (2990) 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). (3170).

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 275 (3175).

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.

In addition, the utilization amount information for the affiliated card is preferably made to include a predetermined amount of the limit given to the affiliated card by the card issuing affiliated institution, and then a part (or all) of the utilization amount is the card. It is preferable to deposit in the form of a customer allowance from the issuing affiliate institution to the card issuer.

According to an exemplary embodiment of the present invention, the approval target information for each limit includes at least one merchant information (or merchant group information), payment amount information, online / offline payment channel information, etc. to be paid and processed through the utilization amount. It is preferable to comprise at least one or more.

According to another exemplary embodiment of the present invention, the approval target information for each limit may include information for first subtracting the payment amount through the affiliate card from the usage amount regardless of the payment condition corresponding to the affiliate card. It is possible, and the invention is not limited thereby.

Thereafter, the server issues the at least one affiliate card including at least one of customer information corresponding to the affiliate card, card information, and card attribute information to the card company server 110 through the communication means. In operation 3180, the card company server 110 stores the affiliate card operation information further including the card issuing affiliate information in the affiliate card issuing information in a predetermined card information D / B 280 ( 3185).

In addition, the card company server 110 sets predetermined credit limit amount information for the affiliated card and approval target information for each limit on the card limit amount (3190).

According to an embodiment of the present invention, when the affiliate card includes a credit card attribute, the card company server 110 checks the credit rating of the customer who is issued the affiliate card, and then predetermined credit limit corresponding to the customer credit rating. It is preferable to set the amount of money to the card limit amount of money.

According to another embodiment of the present invention, when the affiliate card includes a check card / debit card attribute, the card company server 110 checks the customer account associated with the affiliate card, and stores the customer account balance on the card. It is preferable to set the limit amount.

In addition, the card company server 110 sets the permissible information for each limit including at least one or more merchant information (or merchant group information) to be settled through the set credit limit amount, and / or the set credit limit. Setting a per-approval target information that includes at least one payment amount per day or at least one daily / weekly / monthly payment amount, and / or when the affiliate card is processed through an online payment channel. It is recommended to set the subject-specific authorization information to allow the payment amount to be processed through the card limit amount or to process the payment amount through the card limit amount when the payment amount is processed through the offline payment channel. desirable.

According to another exemplary embodiment of the present invention, the card company server 110 allows the approval target information for each limit to be first subtracted from the card limit amount of the payment amount through the affiliate card regardless of the payment condition corresponding to the affiliate card. Or, it may be made to include information to first subtract from the usage amount registered in the affiliate server 100, whereby the present invention is not limited.

If the predetermined card limit amount information for the affiliated card and the approval target information for each limit on the card limit amount are set (3192), the card company server 110 may determine the card limit amount information and the card limit amount. The authorization target information for each limit is included in the affiliated card operation information and stored in the card information D / B 280 (3194).

According to an embodiment of the present invention, the card information D / B 280 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 280 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 280 is an online payment system, and / or a WAP-based wireless payment system, and / or an IC chip provided in (or associated with) the card issuer. It is possible to be provided in the DBMS on at least one or more of the base wireless payment system, and / or the tele payment system, whereby the present invention is not limited.

According to another embodiment of the present invention, the card information D / B 280 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 110 transmits the set card limit amount information and the authorization target information for each limit on the card limit amount to the server through the communication means (3196). The affiliated card issuance information stored in the medium 275 further includes the card limit amount information and the authorization target information for each limit on the card limit amount (3198).

32 is a diagram showing a provision deposit system for depositing a provision for an affiliated card to a card issuing agency according to an embodiment of the present invention.

More specifically, Figure 32 is a view of Figures 2 and / or 5 and / or Figure 8 and / or Figure 11 and / or Figure 14 and / or Figure 17 and / or Figure 20 and / or Figure 23 and / or Figure 26. And / or upon registration (or after registration) of a predetermined affiliate card through the card registration system shown in FIG. 29, the predetermined affiliate financial account information, allowance information, transaction authentication information and card company in the affiliate server 100 on the card registration system. When provision of reserve information request information including at least one or more financial account information (or reserve account information), the affiliated financial account information, allowance information and transaction authentication information included in the provision of the reserve request information provided by the allowance deposit system; System for providing financial transactions for depositing the allowance for the affiliated card to the card issuing agency by using the financial information of the credit card company and the card company For those of ordinary skill in the art to which the present invention pertains, various implementations of a provision for depositing a reserve system for depositing a provision for an affiliated card to a card issuing institution by referring to and / or modifying the drawing of FIG. The method may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Hereinafter, the figures 2 and / or 5 and / or 8 and / or 11 and / or 14 and / or 17 and / or 20 and / or 23 on the allowance deposit system shown in FIG. And / or provide a financial transaction for depositing a provision for the affiliated card to a card issuing agency using the provision of deposit request information in a card issuing affiliate institution on the card registration system shown in FIGS. 26 and / or 29. Components corresponding to one or more means and / or functional configurations are referred to as " financial transaction server 3200 " for convenience, and the financial transaction server 3200 in FIG. 32 providing the face-to-face financial transaction service is at least one. It is preferable to include the account system on the financial system connected through the above terminal and predetermined communication means. Although the financial transaction server 3200 is illustrated as a ledger server between the counter terminal and the account system for convenience, the present invention is not limited thereto.

Referring to this drawing 32 in accordance with the method of the present invention, the allowance deposit system for depositing the allowance for the affiliated card to the card issuing institution is the above-described figures 2 and / or 5 and / or 8 and / or figures. Affiliate server 100 provided in the card issuing affiliated organization on the card registration system shown in FIGS. 11 and / or 14 and / or 17 and / or 20 and / or 23 and / or 26 and / or 29. A financial transaction server 3200 connected to the affiliate server 100 through a predetermined communication means and processing a financial transaction for depositing a provision for the affiliate card as a card issuing institution; It comprises a system.

The financial system that processes at least one financial transaction service through the affiliate financial account in connection with the financial transaction server 3200 may include at least one window terminal provided at a branch (and / or a branch) of the financial institution. It characterized in that the connection through the communication means (eg, our network), and provides a face-to-face financial transaction services to at least one financial transaction customer through the window terminal.

The financial system may also include at least one financial terminal including a cash dispenser / automatic teller machine (CD / ATM) provided at a branch (and / or branch) of the financial institution, and / or at least affiliated with the financial institution. At least one financial terminal provided at one or more other financial institutions (and / or other financial institution branches), and / or at least one financial terminal provided in a public place and a predetermined means of communication (e.g., a CD common network). It is characterized in that connected through, through the financial terminal provides a non-face-to-face financial transaction service for at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined Internet banking server, a network (eg, wired Internet, and / or IEEE 802.11x-based WLAN, connected to a TCP / IP-based backbone network through the Internet banking server, And / or at least one client terminal (e.g., a Personal Computer (PC) equipped with the wired Internet access and browsing function) and / or a laptop connected to the IEEE 802.16x-based portable Internet, etc., the wireless LAN / portable A non-face-to-face financial transaction service is provided to at least one financial transaction customer through a laptop and / or a mobile terminal equipped with Internet access and browsing function.

In addition, the financial system is characterized in that associated with a predetermined wireless banking server, a predetermined wireless network (eg, CDMA (Code Division Multiple Access) based mobile communication network, and / or IEEE 802.16x through the wireless banking server) At least one wireless terminal (e.g., a personal communication system (PCS) and / or a global communication system (GSM) equipped with a connection and browsing function connected to the mobile communication network) Provide a non-face-to-face financial transaction service to at least one financial transaction customer through a System for Mobile terminal and / or a Personal Digital Assistant (PDA) and / or a Smart Phone and / or Telematics). do.

In addition, the financial system is characterized in that associated with a predetermined IC chip-based wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based mobile communication network, through the IC chip-based wireless banking server, And / or at least one financial transaction customer via at least one wireless terminal (e.g., a wireless terminal with a financial IC chip) connected to the IEEE 802.16x based portable Internet and / or a DataTAC / Mobitex based wireless data communication network. IC chip-based non-face-to-face financial transaction services.

In addition, the financial system is characterized in that associated with a predetermined telebanking server, at least one or more connected to a predetermined wired voice call network (eg, Public Switched Telephone Network (PSTN)) through the telebanking server At least one wireless communication terminal (e.g., a PCS and / or GSM terminal) connected to a fixed line communication terminal (e.g., a telephone) and / or a predetermined wireless voice communication network (e.g., a code division multiple access (CDMA) based mobile communication network) And / or a smartphone or the like) to provide a non-face-to-face financial transaction service to at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined home banking server, at least one or more home appliances (eg, digital TV and / or refrigerator connected to a home network, etc.) connected to a predetermined home network through the home banking server ) Provides non-face-to-face financial transaction services to at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined TV banking server, at least one or more digital TV (for example, two-way digital TV, satellite DMB terminal) connected to a predetermined return channel (Return Channel) through the TV banking server And non-face-to-face financial transaction services to at least one financial transaction customer through a terrestrial DMB terminal).

Referring to FIG. 32, the financial system is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. At least one branch (or teller) in which accounts or transactions occur such as credit or reception or trust or foreign exchange, accounting for processing of headquarters operations and branch information support and customer information management; Interconnection between the system and at least one other financial system (and / or payment system), and / or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based) Wireless banking, telebanking, TV banking, etc.) to access the financial system, and And / or an external system that provides various financial transaction interfaces through at least one common network (eg, CD common network, financial common network). An interface module corresponding to a middleware platform that provides interfacing, and predetermined information (e.g., ledger information, and / or customer information, and / or management) required for each function in a component in the financial system. And a DBMS (DataBase Management System) including at least one database for storing and managing information.

In addition, the financial system is a foreign exchange module according to the intention of the skilled person and / or the type (eg, commercial bank, savings bank, trust bank) of each financial institution equipped with the financial system and the purpose and characteristics of the financial system. It is possible that at least one or more components, such as (not shown), investment finance module (not shown), international module (not shown) may be further included, and those skilled in the art to which the present invention pertains, Since you will be familiar with the technical details of the financial system, a detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

According to the present invention, the DBMS provided in the financial system is for the financial institution to open at least one financial account to at least one financial transaction customer, and to provide at least one financial transaction service based on the financial account And at least one ledger D / B for storing at least one ledger, wherein the ledger D / B is at least one ledger information for processing at least one financial transaction to be provided to the financial transaction customer by the financial institution. (Eg, customer ledger, ledger, collateral ledger, etc.) and at least one ledger additional information corresponding to each ledger information (e.g., to further refine and / or supplement each ledger's attributes / functions). Characterized in that the link is processed and stored, the ledger information is the affiliated financial account Including predetermined account ledger corresponding to the financial account issuer characterized in that formed.

Those skilled in the art to which the present invention pertains correspond to at least one ledger information provided in the ledger D / B and each ledger information according to the type of each financial institution and the purpose and characteristic of the financial system. In addition to being familiar with at least one ledger additional information, each ledger information is linked and stored in a relational relation, and / or predetermined ledger information and at least one ledger additional information is stored in a relational relation Since it will be understood that the detailed description thereof will be omitted for convenience.

Referring to Figure 32, the affiliate server 100, the Figure 2 and / or Figure 5 and / or Figure 8 and / or Figure 11 and / or Figure 14 and / or Figure 17 and / or Figure 20 and / or Based on the utilization value information stored in the storage medium 275 shown in the card registration system shown in Figs. 23 and / or 26 and / or 29, a predetermined amount to be deposited to the card issuing institution corresponding to the registered affiliated card. Provision allowance confirmation unit 3230 to confirm the allowance information of the information generation unit 3235 for generating allowance deposit request information including the allowance information and the provision of the reserve request information through a predetermined communication means for the financial transaction It is characterized in that it comprises a provision depositing unit 3240 for transmitting to the server 3200 the deposits from the affiliated financial account to the credit card company financial account.

In addition, when the affiliate server 100 receives predetermined allowance deposit result information from the financial transaction server 3200, the affiliate server 100 transmits the allotted allowance deposit result information and the affiliated card information corresponding to the allowance deposit result. It is characterized in that it further comprises an information transmitting and receiving unit 3245 for transmitting to the card company server 110 through, so that the card company server 110, the utilization amount for the affiliate card corresponding to the affiliate card information Payment processing for can be processed normally.

The allowance checking unit 3230 may be the drawings 2 and / or 5 and / or 8 and / or 11 and / or 14 and / or 17 and / or 20 and / or 23 and / or drawings. The card issuing affiliated institution among the affiliated cards registered through the card issuing affiliated institution by confirming at least one usage value information stored in the storage medium 275 shown in the card registration system shown in FIG. 26 and / or FIG. 29. Checks the total utilization amount information assigned to the affiliated card, and transfers a predetermined ratio (for example, the total amount or a partial amount of the total utilization amount) from the card issuing affiliate to the card issuing institution. Characterized in that the reserve to be deposited.

Alternatively, the provision confirmation unit 3230 may be the drawings 2 and / or 5 and / or 8 and / or 11 and / or 14 and / or 17 and / or 20 and / or 23 and / and. Or confirm at least one usage amount information stored in the storage medium 275 shown in the card registration system shown in FIGS. 26 and / or 29, and a predetermined ratio (eg, each The total amount or partial amount of the used amount is confirmed as the allowance for each affiliate card to be deposited with the card issuing institution, and the allowance for each confirmed affiliate card is added and deposited from the card issuing affiliate institution to the card issuing institution. Characterized in that the allowance to check.

According to the implementation method of the present invention, the allowance ratio for the utilization amount information is determined in consultation with the card issuing affiliate and the card issuing agency within 100%, and the present invention is not limited by the specific allowance ratio.

According to another exemplary embodiment of the present invention, the allowance check unit 3230 may include the drawings 2 and / or 5 and / or 8 and / or 11 and / or 14 and / or 17 and / or 20. And / or confirm the number of affiliate cards registered in the card registration system shown in FIGS. 23 and / or 26 and / or 29, and multiply the number of affiliate cards by a certain amount of allowances per card for the card issuance affiliated card. It is possible to confirm with the allowance to be deposited with the issuing authority, and the present invention is not limited thereby.

When the allowance information to be deposited from the card issuing affiliate institution to the card issuing agency is confirmed, the information generating unit 3235 includes at least one reserve account including at least one affiliate financial account information, allowance information, transaction authentication information and card company financial account information. And generating request information.

The affiliated financial account information is characterized by including the account number (or financial account alias, etc.) for the financial account in the name of the card issuing affiliated institution, customer information (for example, the name of the account holder, or the Customer's CIF (Customer Information File) number corresponding to the affiliated financial account, etc., financial institution information (eg, bank name, or bank code), branch information (eg, branch code), contact information (eg, the affiliated financial account) It may include at least one or more) and the name of the person responsible for opening and in charge.

The allowance information includes a financial transaction amount withdrawn from the affiliate financial account in order to deposit the allowance for the affiliate card to the card issuing institution, and the allowance is the balance deposited in the affiliate financial account. It is characterized by not exceeding.

The transaction authentication information validates at least one of confidentiality, authentication, integrity, and nonrepudiation of the financial transaction for depositing a provision for the affiliate card to a card issuer. Information to be secured, characterized in that it comprises at least one password corresponding to the affiliated financial account, or a password corresponding to the financial transaction.

In addition, the financial transaction system shown in Figure 32, characterized in that the financial transaction for depositing the allowance for the alliance card to the card issuing agency through a non-face-to-face channel, the transaction authentication information is the affiliated financial account Further comprising at least one or more security code information provided in the security card provided to the customer in the opening process, and / or further comprises an OTP code generated through the One Tome Password (OTP) generator provided to the customer It is preferable.

In addition, in the characteristic of the financial transaction system shown in Figure 32, characterized in that the financial transaction for depositing the allowance for the alliance card to the card issuing agency through a non-face-to-face channel, the transaction authentication information is the affiliate server ( 100) (or at least one or more authentication certificate information included in the IC card of the card issuing affiliated institution interlocked through an integrated circuit (IC) card reader provided in the affiliate server 100, or at least one included in the certificate) Preferably, the method further comprises encrypting the financial transaction request information based on an encryption key or attaching the electronic signature of the customer to the financial transaction request information.

The card company financial account information is characterized in that it comprises an account number (or financial account alias, etc.) for the financial account in the name of the card issuing institution, the holder's information corresponding to the card issuing institution, according to the intention of the person skilled in the art, Financial institution information (for example, bank name, or bank code) is preferably further included.

When the allowance deposit request information is generated, the allowance deposit unit 3240 transmits the allowance deposit request information to the financial transaction server 3200 through a predetermined communication means to transfer the allowance from the affiliate financial account to the card company finance. Request to deposit into an account.

The financial transaction server 3200 provided on the allowance deposit system according to the present invention is a generic term for the provision of the allowance deposit system side connected to the affiliate server 100 through a predetermined communication means, and includes at least one server ( Or an apparatus) and / or at least one or more programs recorded on a recording medium provided in a predetermined server (or apparatus), and the present invention is not limited thereto.

According to an embodiment of the present invention, the financial transaction server 3200 is a ledger server provided on a financial system connected to the teller terminal through a predetermined communication means, and / or a server provided on an external system on the financial system. (Or a device), and / or a program provided in the external world on the financial system, by which the present invention is not limited.

According to the method of the present invention, the financial transaction server 3200 is characterized by comprising an interface unit 3205 for connecting and managing a predetermined communication channel with the affiliate server 100 through the communication means. .

According to an embodiment of the present invention, the interface unit 3205 connects the window terminal to a predetermined communication channel based on the protocol stack defined in the communication means, and defines the financial transaction related program provided in the window terminal. It is desirable to provide a communication interface for transmitting and receiving at least one or more information (or data) using the established communication protocol.

Referring to FIG. 32, the financial transaction server 3200 includes at least one of the affiliate financial account information, the allowance information, the transaction authentication information, and the credit card financial account information transmitted from the affiliate server 100 through the communication means. An information receiving unit 3210 which receives the reserve provision request information in association with the interface unit 3205, and the affiliated financial account information, the provision allowance information, the transaction authentication information, and the card company financial account included in the received allowance deposit request information; A financial transaction for depositing a provision for the affiliated card to a card issuing agency based on a validity confirming unit 3220 for confirming validity of the information and the provision of reserve request information confirmed in association with the financial system. The affiliated card in association with the financial transaction processing unit 3225 and the financial transaction processing unit 3225 Generates provision information for the provision of the reserve for the financial transaction for depositing the allowance for the card issuance agency, and transmits the information to the partner server 100 to transmit the provisions deposit result information in connection with the interface unit 3205 It is characterized by comprising a part 3215.

The affiliate server 100 generates allowance deposit request information including at least one of the affiliate financial account information, the allowance information, the transaction authentication information, and the card company financial account information to the financial transaction server 3200 through the communication means. Characterized in that the transmission.

The information receiving unit 3210 generates a reserve deposit request information including at least one or more of the affiliated financial account information, the allowance information, the transaction authentication information, and the card company financial account information from the affiliate server 100 and transmits it through the communication means. In this case, the provision of the reserve request information is received in conjunction with the interface unit 3205, and provides the received reserve request information to the validity check unit 3220.

The validity confirming unit 3220 is configured to check whether the allowance deposit request information received from the affiliate server 100 satisfies the validity for depositing the allowance for the affiliate card to the card issuing institution.

According to an embodiment of the present invention, the validity of the provision of the reserve request information may be determined by the account ledger (or the account ledger for the financial account corresponding to the affiliated financial account information included in the provision of the reserve request information in the ledger D / B on the financial system). And checking whether the customer ledger corresponding to the affiliated financial account is provided, and when the account ledger (or the customer ledger corresponding to the affiliated financial account) is provided, It is desirable that the validity be authenticated.

In addition, the validity check for the provision of the reserve request information is the amount deposited in the affiliated financial account (for example, the account ledger provided in the ledger D / B on the financial system corresponding to the affiliated financial account) the provision of the reserve request information It is preferable to include whether to include more than the allowance included in, and if the balance of the affiliated financial account is more than the allowance, it is preferable that the validity of the allowance deposit request information is authenticated.

In addition, the validation of the reserve request information is confirmed in the account ledger provided in the ledger D / B on the financial system in response to various passwords corresponding to the transaction authentication information included in the reserve request information and the affiliated financial account And comparing and verifying the various passwords corresponding to the transaction authentication information, and if the various passwords corresponding to the transaction authentication information match. The validity of the allowance deposit request information is preferably authenticated.

In addition, the validity check on the provision of the reserve request information, if the security code information or OTP code is further included in the reserve request information, security code information or matching the OTP code or security code information included in the provision request information or And extracting (or generating) and comparing the OTP code, and checking whether the security code information or the OTP code is matched, and validity of the provision deposit request information is authenticated.

In addition, the validity check on the provision of the reserve request information is preferably made, if the provision of the reserve request information is encrypted, including decrypting the encrypted provision of reserve request information.

In addition, the validity check on the provision of the reserve request information is preferably made to include checking the electronic signature of the card issuing affiliate institution when the provision of the reserve request information includes the electronic signature of the card issuing affiliate.

When the validity of the allowance deposit request information is confirmed, the financial transaction processing unit 3225 is linked with a financial system equipped with an account ledger corresponding to the affiliated financial account and the partner financial account information included in the allowance deposit request information; A financial transaction for depositing a provision for the affiliated card as a card issuing agency is based on provisions information, transaction authentication information and credit card financial account information.

According to an embodiment of the present invention, the financial transaction processing unit 3225 processes a withdrawal amount corresponding to the allowance information from the account ledger corresponding to the affiliated financial account information included in the allowance deposit request information in association with the financial system. And, it is preferable to transfer the withdrawn money to a financial account corresponding to the card company financial account information included in the provision of the reserve request information.

When the financial transaction for depositing the allowance for the affiliate card to the card issuing agency is processed by the financial transaction processor 3225, the information transmission unit 3215 is linked to the affiliated card in cooperation with the financial transaction processor 3225. Generate a financial transaction processing history including any of financial transaction approval history or financial transaction error history for the financial transaction for depositing a provision for the card issuance agency, and process the financial transaction in connection with the interface unit 3205; Appropriation deposit result information including the details characterized in that for transmitting to the affiliate server 100 through the communication means.

Here, the transaction details of the financial transaction is characterized in that it comprises the affiliated financial account information, provisions information and the card company financial account information, characterized in that it further comprises an authorization code (or error code) for the financial transaction. It is done.

The allowance deposit result information may include a protocol structure for transmitting the generated financial transaction processing history to the affiliate server 100 through the communication means.

33 is a diagram illustrating a process of processing a financial transaction for depositing a provision for an affiliated card to a card issuing agency according to an embodiment of the present invention.

In more detail, Figure 33 shows the Figures 2 and / or 5 and / or Figure 8 and / or Figure 11 and / or Figure 14 and / or Figure 17 and / or Figure 20 and / or Figure 23 and / or Figure 26 And / or at the time of registration (or after registration) of a predetermined affiliate card through the card registration system shown in FIG. 29, the affiliate server 100 shown in FIG. 32 includes predetermined partner financial account information, allowance information, transaction authentication information, and the like. When the provision of the reserve request information including at least one card company financial account information to the financial transaction server 3200, the financial transaction server 3200, the affiliated financial account information and provisions information included in the provision of the reserve request information provided; The present invention relates to a process for providing a financial transaction for depositing a provision for the affiliated card to a card issuing institution using transaction authentication information and card company financial account information. Those skilled in the art may refer to and / or modify this drawing 33 to infer various implementation methods for the process of processing a financial transaction depositing a provision for the affiliated card as a card issuer. As will be appreciated, the present invention includes all implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

Referring to FIG. 33, the affiliate server 100 shown in FIG. 32 is the above-described FIG. 2 and / or 5 and / or 8 and / or 11 and / or 14 and / or 17 and / or FIG. 20 and / or the card registration system shown in FIGS. 23 and / or 26 and / or 29 are associated with a storage medium 275 which stores affiliate card issuance information corresponding to at least one affiliate card registered. Check the provision information corresponding to the card (3300).

According to one embodiment of the invention, the affiliate server 100 is the Figure 2 and / or Figure 5 and / or Figure 8 and / or Figure 11 and / or Figure 14 and / or Figure 17 and / or Figure 20 and And / or by confirming at least one usage value information stored in the storage medium 275 shown in the card registration system shown in FIGS. 23 and / or 26 and / or 29, the card issuing partner Check the total utilization amount information assigned to the affiliate card by the card issuing affiliate institution among the alliance cards, and determine a certain ratio (eg, the total amount or partial amount of the total utilization amount) of the total utilization amount. It is characterized in that the issuance of affiliates to check the allowance to be deposited to the card issuing agency.

According to another exemplary embodiment of the present invention, the affiliate server 100 may include the drawings 2 and / or 5 and / or 8 and / or 11 and / or 14 and / or 17 and / or 20. And / or confirm at least one utilization amount information stored in the storage medium 275 shown in the card registration system shown in FIGS. 23 and / or 26 and / or 29, A certain ratio (e.g., the total amount or partial amount of each utilization amount) is confirmed as the allowance for each affiliate card to be deposited with the card issuing institution, and the allowance for each confirmed affiliate card is added to the card issuing affiliate institution. In the card issuance agency is characterized in that the reserve to be deposited.

Here, the allowance ratio for the utilization amount information is determined in consultation with the card issuing affiliate and the card issuing agency within 100%, and the present invention is not limited by the specific allowance ratio.

According to another embodiment of the present invention, the affiliate server 100 is the Figure 2 and / or 5 and / or 8 and / or 11 and / or 14 and / or 17 and / or 20 and Check the number of affiliate cards registered in the card registration system shown in FIGS. 23 and / or 26 and / or 29, and multiply the number of affiliate cards by a certain amount of allowances per card. It is possible to identify with the allowance to be deposited by the institution, thereby the present invention is not limited.

Thereafter, the affiliate server 100 generates predetermined allowance deposit request information including the confirmed allowance information (3305).

According to the method of the present invention, the provision of the reserve request information preferably comprises at least one or more of the affiliate financial account information, provisions information, transaction authentication information and card company financial account information.

Here, the affiliated financial account information is characterized by including the account number (or financial account alias, etc.) for the financial account in the name of the card issuing affiliate institution, customer information (for example, the name of the account holder, Or a customer information file (CIF) number of a customer corresponding to the affiliate financial account), financial institution information (eg, bank name, or bank code), branch information (eg, branch code), contact information (eg, the affiliate company) Name of the person in charge of opening and in charge of the financial account, a person in charge code, etc.).

The allowance information includes a financial transaction amount withdrawn from the affiliate financial account in order to deposit the allowance for the affiliate card to the card issuing institution, and the allowance is the balance deposited in the affiliate financial account. It is characterized by not exceeding.

The transaction authentication information validates at least one of confidentiality, authentication, integrity, and nonrepudiation of the financial transaction for depositing a provision for the affiliate card to a card issuer. Information to be secured, characterized in that it comprises at least one password corresponding to the affiliated financial account, or a password corresponding to the financial transaction.

In addition, the financial transaction system shown in Figure 32, characterized in that the financial transaction for depositing the allowance for the alliance card to the card issuing agency through a non-face-to-face channel, the transaction authentication information is the affiliated financial account Further comprising at least one or more security code information provided in the security card provided to the customer in the opening process, and / or further comprises an OTP code generated through the One Tome Password (OTP) generator provided to the customer It is preferable.

In addition, in the characteristic of the financial transaction system shown in Figure 32, characterized in that the financial transaction for depositing the allowance for the alliance card to the card issuing agency through a non-face-to-face channel, the transaction authentication information is the affiliate server ( 100) (or at least one or more authentication certificate information included in the IC card of the card issuing affiliated institution interlocked through an integrated circuit (IC) card reader provided in the affiliate server 100, or at least one included in the certificate) Preferably, the method further comprises encrypting the financial transaction request information based on an encryption key or attaching the electronic signature of the customer to the financial transaction request information.

The card company financial account information is characterized by including the account number (or financial account alias, etc.) for the financial account in the name of the card issuing institution, and according to the intention of the skilled person, the account holder information corresponding to the card issuing institution, financial It is preferable that the information further includes institution information (for example, bank name or bank code).

If the provision of reserve information is normally generated (3310), the affiliate server 100 includes at least one of the provision of the affiliated financial account information, provisions information, transaction authentication information and card company financial account information through the communication means; The request information is transmitted to the financial transaction server 3200 (3315).

Thereafter, the financial transaction server 3200 receives and reads allowance deposit request information including at least one of the affiliated financial account information, the allowance information, the transaction authentication information, and the card company financial account information through the communication means. The validity of the request information is checked (3320).

According to an embodiment of the present invention, the validity of the provision of the reserve request information may be determined by the account ledger (or the account ledger for the financial account corresponding to the affiliated financial account information included in the provision of the reserve request information in the ledger D / B on the financial system). And checking whether the customer ledger corresponding to the affiliated financial account is provided, and when the account ledger (or the customer ledger corresponding to the affiliated financial account) is provided, It is desirable that the validity be authenticated.

In addition, the validity check for the provision of the reserve request information is the amount deposited in the affiliated financial account (for example, the account ledger provided in the ledger D / B on the financial system corresponding to the affiliated financial account) the provision of the reserve request information It is preferable to include whether to include more than the allowance included in, and if the balance of the affiliated financial account is more than the allowance, it is preferable that the validity of the allowance deposit request information is authenticated.

In addition, the validation of the reserve request information is confirmed in the account ledger provided in the ledger D / B on the financial system in response to various passwords corresponding to the transaction authentication information included in the reserve request information and the affiliated financial account And comparing and verifying various passwords corresponding to the transaction authentication information, and comparing various passwords corresponding to the transaction authentication information. It is desirable that the validity of the reserve deposit request information is authenticated.

In addition, the validity check on the provision of the reserve request information, if the security code information or OTP code is further included in the reserve request information, security code information or matching the OTP code or security code information included in the provision request information or And extracting (or generating) and comparing the OTP code, and checking whether the security code information or the OTP code is matched, and validity of the provision deposit request information is authenticated.

In addition, the validity check on the provision of the reserve request information is preferably made, if the provision of the reserve request information is encrypted, including decrypting the encrypted provision of reserve request information.

In addition, the validity check on the provision of the reserve request information is preferably made to include checking the electronic signature of the card issuing affiliate institution when the provision of the reserve request information includes the electronic signature of the card issuing affiliate.

If the validity of the allowance deposit request information is not authenticated (3325), the financial transaction server 3200 generates a financial transaction processing history including predetermined financial transaction error information corresponding to the validity error information (3330). ), The provisions deposit result information including the financial transaction processing history is transmitted to the affiliate server 100 (3350) through the communication means, and in response thereto, the affiliate server 100 transmits the provisions deposit result information; The card company transmits to the server 110 (3355).

On the other hand, if the validity of the provision of the reserve request information is authenticated (3325), the financial transaction server 3200 is affiliated with the provision of the reserve request information in connection with a financial system equipped with an account ledger corresponding to the affiliated financial account Based on the financial account information, the provisions information, the transaction authentication information and the card company financial account information to process the financial transaction for depositing the allowance for the affiliated card to the card issuer (3335).

According to an embodiment of the present invention, the financial transaction server 3200 processes the withdrawal amount corresponding to the allowance information from the account ledger corresponding to the affiliated financial account information included in the allowance deposit request information in association with the financial system. And, it is preferable to transfer the withdrawal amount to a financial account corresponding to the card company financial account information included in the provision of the reserve request information.

If the financial transaction corresponding to the allowance deposit request information is processed (3340), the server generates a financial transaction processing history including any one of predetermined financial transaction approval information or financial transaction error information according to the financial transaction processing result. In operation 3345, the allowance deposit result information including the financial transaction processing history is transmitted to the affiliate server 100 through the communication means (3350), and in response thereto, the affiliate server 100 transmits the allowance deposit result. Information and the affiliate card information corresponding to the allowance deposit result are transmitted to the card company server 110 (3355), whereby the card company server 110 uses the amount of money for the affiliate card corresponding to the affiliate card information. Payment processing can be processed normally.

According to the present invention, at least one or more card issuing institutions leases a predetermined amount of card numbers from a predetermined card issuing affiliate to a predetermined lease method, or leases by a real-time lease (or real time signing) method to the card issuing affiliate. There is an advantage of reducing the time required for issuing an affiliate card for each of a plurality of card companies.

According to the present invention, the card issuing affiliated agency affiliated with the card issuing affiliated organization by having the card issuing affiliated institution take charge of a part of the card issuing agency through the collective leasing method of the card number or a real-time leasing (or real time signing) method. There is an advantage of greatly reducing the amount of work associated with the affiliated card among the work of the issuing organization.

According to the present invention, in the process of issuing a predetermined alliance card through the collective leasing method of the card number or a real-time lease (or real-time signing) method, the card issuing affiliated institution sets the usage amount for the alliance card. By setting the card limit amount based on the credit limit (or customer account balance) for the affiliate card in the card issuing institution, the limit amount for the affiliate card is set in addition to the card limit. There is an advantage of providing a payment settlement service through the affiliate card.

According to the present invention, in the process of issuing the alliance card by the card issuing affiliated institution, a usage amount for the alliance card and an authorization target for each limit for the used amount are set, and the alliance card is issued by the card issuing institution. By setting an authorization target for each of the card limit amount and the card limit amount based on the credit limit (or the customer account balance) for, the corresponding payment amount according to the merchant, payment amount, or payment channel using the affiliate card There is an advantage of operating by setting a limit amount for payment processing.

Claims (5)

When registering an affiliate card at an affiliate, the card number assignment means includes a card number system of a card company affiliated with the affiliate, and assigns a plurality of card numbers registered at the affiliate card or the affiliate card to be allocated in real time to the affiliate card. Assigning one of the card numbers of the card numbers which are registered in real time to the affiliated card registration request in real time according to the association card registration request to the affiliated card number of the associated card; Generating affiliate card information including an affiliate card number assigned in the batch lease (or real time numbering) method by card information generating means; Setting a usage amount to be given to the affiliated card based on allowances deposited by the affiliated card company in the utilization setting means, and utilization approval target information to be paid for through the utilization amount; Setting, by a card limit setting means, a card limit amount corresponding to the affiliated card and card limit approval target information to be paid and paid through the card limit amount; And Storing information in the storage medium by associating the affiliated card information, the utilization amount information, the card limit amount information, and the limit-specific approval target information corresponding to the utilization amount and the card limit amount in an information storage means; Alliance card limit amount setting method comprising the. The method of claim 1, Confirming allowance information corresponding to the utilization amount information in a allowance checking means; And And depositing the allowance in the allowance depositing means in the allowance depositing account of the credit card company. A computer-readable recording medium having recorded thereon a program for executing the method of claim 1. delete delete

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