KR101144511B1 - Method and System for Managing a Card - Google Patents

Abstract

The present invention relates to a medium operating method and system for recording track II data and a recording medium therefor, wherein the medium is assigned to a predetermined number of unique numbers assigned by a brand company of the medium and a serial number uniquely assigned to the medium. Combining the division code to set the local transaction through a local media based transaction instead of a brand media based transaction according to a predetermined number of digits, and assigning the unique number, the division code and the serial number into the check number calculation formula of the brand company A medium having a track number data including a verification number calculated according to the verification number calculation formula of the brand company and an expiration date for the medium; and a media number configured to further combine the calculated check number according to a predetermined number of digits. By issuing a local transaction using the issued media including the identification code, Fee calculation for Curl transactions is based on local media-based transactions, not brand media-based transactions.

Description

Method and System for Managing a Card

1 is a diagram showing the configuration of a medium issuing system according to an embodiment of the present invention.

2 is a diagram illustrating a medium issuing process according to an embodiment of the present invention.

3 is a diagram illustrating a configuration of a media operating system according to an embodiment of the present invention.

4 is a diagram illustrating a process of storing approval details for a transaction approval according to an exemplary embodiment of the present invention.

5 is a diagram illustrating a process of storing approval details for a transaction approval according to another exemplary embodiment of the present invention.

6 is a diagram illustrating a process of storing a fee settlement process for a transaction approval according to an embodiment of the present invention.

7 is a diagram illustrating a process of storing a fee settlement process for a transaction approval according to another embodiment of the present invention.

8 is a diagram illustrating a configuration of a media operating system according to another exemplary embodiment of the present invention.

9 is a view showing a process of storing the approval history for the transaction approval according to another embodiment of the present invention.

<Description of main parts of drawing>

100: medium issuing system 105: information receiving means

110: medium issuance approval means 115: medium number construction means

120: data organization means 125: medium issuance means

130: storage means 135: storage medium

140: medium issuing request terminal

The present invention includes a unique number area assigned by a brand company of a medium, a medium number area combining a unique serial number area and a check number area allocated to the medium according to a predetermined number of digits, and a verification number area for the medium. A method of operating a medium having track II data including an expiration date, the method comprising: processing a local transaction through a medium based on a local medium rather than a brand medium based on a unique number and serial number for the medium. Determining a classification code to be set, substituting the division code into a predetermined number of digits in the unique number area and the serial number area, and combining the identification code according to a predetermined number of digits to form a media number excluding the check number; Calculated by substituting the number, division code and serial number into the formula for calculating the check number of the brand Comprising a media number combining the number according to the predetermined number of digits, and the track number including the media number, the verification number calculated according to the verification number calculation formula of the brand company and the expiration date for the medium Organizing the data, recording the configured track II data on a medium, issuing it to a customer, connecting the customer information of the customer and the track II data, and storing the data in a storage medium; and predetermined track II data. When the full text is received and the transaction is approved, the unique number and the distinguishing code are extracted from the media number of the track II data included in the full text according to a predetermined number of digits. Comparing and confirming that the matching is performed; If the transaction is a local transaction, the authorization (1) for the specialty is stored in a database (1) that calculates a fee according to a local medium-based transaction. If the transaction is an overseas transaction, the authorization for the specialty (2) is stored in a brand medium. A method of operating a medium in which track II data is recorded, the method comprising storing in a database 2 calculating a fee according to a reference transaction.

Currently, a service for electronic payment is provided by recording a media number, a verification number, and an expiration date on a medium including MS / IC. Herein, the electronic payment medium is divided into a local medium that is optimized for the characteristics of each local area where the electronic payment is made and a transaction is approved and a fee is settled, and a brand medium where a transaction is approved and a fee is settled as defined by a brand company. .

The transaction using the local medium is approved according to the local medium-based transaction procedure, and has a characteristic of calculating a fee for the transaction approval, and thus has the advantage of not having to calculate the fee of the brand company when calculating the fee. Without a one-to-one contract with a trading partner, there is a disadvantage that overseas transactions are not possible through the local media.

The transaction using the brand media is approved according to the transaction procedure defined by the brand company of each medium, and the fee for the transaction approval is calculated according to the method defined by the brand company, and the local transaction as well as the brand company While it has the advantage of being able to trade overseas according to the policy, it has the disadvantage of paying a certain amount of fee for each transaction regardless of the local transaction and the overseas transaction.

An object of the present invention for solving the above disadvantages of the brand medium is to combine the unique number area assigned by the brand company of the medium and the unique serial number area and check number area assigned to the medium according to a predetermined number of digits. An operating system of a medium including a track number data including a medium number area and a verification number area and an expiration date area of the medium, comprising: a local number of a local number through the medium when a unique number and a serial number for the medium are configured; Determining a classification code to set the transaction to be processed as a local media based transaction rather than a brand media based transaction, and assigns the division code to a predetermined number of digits in the unique number area and serial number area, and combines according to the predetermined number of digits. It constitutes a media number excluding the check number and replaces the unique number, identification code and serial number. A media number constituting means for constituting a media number by combining a check number calculated by substituting a check number calculation formula of a brand company according to a predetermined number of digits, and the media number, and calculated according to the verification number calculation formula of the brand company. Data structuring means for constituting track II data including a verification number and an expiration date for the medium, and when a medium on which the configured track II data is recorded is issued to a customer, the customer information of the customer is connected with the track II data. When a storage means for storing in a storage medium and a preamble including predetermined track II data are received and a transaction is approved, the unique number and the distinguishing code are extracted from the media number of the track II data included in the preamble according to a predetermined number of digits. Comparing the identification number and identification code of the track II data stored in the storage medium When the medium identification means and the unique number and the identification code match, the database for reading the full text and calculating the fee according to the local medium-based transaction if the approved transaction is a local transaction. Media) and track II data recording means having a history storage means for storing the approval details (2) for the full text in a database (2) for calculating a fee according to a brand media-based transaction if the transaction is an overseas transaction. In providing a system.

A medium operating method for recording track II data according to the present invention comprises a medium number area in which a unique number area allocated by a brand company of a medium and a unique serial number area and a check number area allocated to the medium are combined according to a predetermined number of digits. A method of operating a medium having track II data including a verification number area and an expiration date area for the medium, the method comprising: branding a local transaction through the medium when constructing a unique number and a serial number for the medium; Determine a classification code to be set to be processed based on local media rather than a media-based transaction, assigning the division code to a predetermined number of digits in the unique number area and serial number area, and combining the check code according to a predetermined number of digits. Constituting a media number excluding the serial number; Constructing a media number combining a check number calculated by substituting the check number calculation formula of the company according to a predetermined number of digits, including the media number, and a verification number calculated according to the verification number calculation formula of the brand company. Configuring track II data including an expiration date for the medium, recording the configured track II data on a medium, issuing it to a customer, and storing the customer information of the customer and the track II data in a storage medium. And receiving the full text including the predetermined track II data and approving the transaction, extracting a unique number and a distinguishing code from the media number of the track II data included in the full text according to a predetermined number of digits. Comparing the identification number and the identification code of the stored track II data with each other to determine whether there is a match; If the card is matched, the full text is read and if the approved transaction is a local transaction, the approval history (1) for the full text is stored in a database (1) that calculates a fee according to a local medium-based transaction. It characterized in that it comprises the step of storing the approval history (2) for the full text in the database (2) for calculating the fee in accordance with the brand media based transaction.

In addition, the fee information (1) for the approval history (1) stored in the database (1) according to the fee calculation method of the local medium based transaction is calculated, and the database (2) according to the fee calculation method of the brand medium based transaction Calculating the fee information (2) for the authorization (2) stored in the fee and the fee information (1) calculated according to the local media based transaction and the fee information (2) calculated according to the brand media based transaction Characterized in that it comprises the step of processing the settlement.

In addition, the fee information (1) and the fee settlement history (1) according to the transaction based on the local medium and the fee information (2) and fee settlement history (2) based on the brand media based transaction on the transaction date (or settlement date and time) And sorting accordingly and storing it in the database 3.

According to the present invention, the distinguishing code is the unique number, or the one or more digits included in a predetermined digit position of the unique number (or the serial number) except the check number, or the unique number except the check number. (Or a serial number) is characterized by including two or more numbers included in different digit positions.

The present invention includes a computer-readable recording medium characterized by recording a program for executing a medium operating method for recording track II data described above.

A media operating system for recording track II data according to the present invention comprises a media number area in which a unique number area allocated by a brand company of a medium and a unique serial number area and a check number area allocated to the medium are combined according to a predetermined number of digits. In the operating system of a medium recording track II data including a verification number area and an expiration date area for the medium, the local transaction through the medium when branding the unique number and serial number for the medium Determine a classification code to be set to be processed based on local media rather than a media-based transaction, assigning the division code to a predetermined number of digits in the unique number area and serial number area, and combining the check code according to a predetermined number of digits. Consists of media number excluding, the unique number, identification code and serial number of the brand A media number constituting means for constituting a media number by combining a check number calculated by substituting the check number calculation formula of the company according to a predetermined number of digits, and the media number, and calculated according to the verification number calculation formula of the brand company. Data structuring means for constituting track II data including a verification number and an expiration date for the medium, and when a medium on which the configured track II data is recorded is issued to a customer, the customer information of the customer is connected with the track II data. When a storage means for storing in a storage medium and a preamble including predetermined track II data are received and a transaction is approved, the unique number and the distinguishing code are extracted from the media number of the track II data included in the preamble according to a predetermined number of digits. And a medium for checking whether a match is made by comparing the identification number and the identification code of the track II data stored in the storage medium. If the acquiring party and the unique number and the distinguishing code match, the full text is read and if the approved transaction is a local transaction, the approval history (1) for the full text is calculated in a database (1) that calculates a fee according to a local medium-based transaction. And if the transaction is an overseas transaction, characterized in that it comprises a history storage means for storing the approval history (2) for the full text in the database (2) for calculating the fee in accordance with the brand media-based transaction.

In addition, a medium number area for storing a media number including a unique number assigned by the brand company of the medium and a unique serial number and check number assigned to the medium, and includes a verification number area and the expiration date area for the medium number A data constituting means for including a discrimination code for setting a local transaction through the medium as a local medium based transaction rather than a brand media based transaction in a track II data, and a preamble including a predetermined track II data is received and the transaction is approved. Media identification means for confirming whether the identification code is included in the track II data included in the message; and if the identification code is read, the message corresponding to the message is read if the approved transaction is a local transaction. To be calculated according to local media-based transactions. And a charge of the transaction corresponding to the professional characterized in that comprises a charge calculation processing means for processing to be calculated in accordance with the brand media based transactions.

In addition, if the media issuer that receives the full track II data and records the track II data is not the second media issuer, it may process the transaction approval using the media. In the media issuer of 2, in the system for relaying and transmitting the full text to the second media issuer server, the second media issuer is configured to treat the local transaction as a local media based transaction rather than a brand media based transaction. Storage means for connecting the track II data and the second medium issuer information to a storage medium by issuing a medium of a brand company having recorded track II data including a code, and reading the full text (2). Transaction approval confirmation means for confirming that a transaction through the medium is approved through a second medium issuer; Means for confirming whether the identification code is included in the track II data included in the preamble (2), and if the approved transaction is a local transaction by reading the preamble, the fee of the transaction corresponding to the preamble is based on the local medium. It is characterized in that it comprises a commission calculation processing means for processing to be calculated according to the transaction, and if the transaction is an overseas transaction, the fee of the transaction corresponding to the full text is calculated according to the brand media based transaction.

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

As a result, the technical spirit of the present invention is determined by the claims, and the following examples are one means for efficiently explaining the technical spirit of the present invention to those skilled in the art to which the present invention pertains. It is only.

1 is a diagram showing the configuration of a medium issuing system 100 according to an embodiment of the present invention.

In more detail, Figure 1 is a media number area for storing a media number including a unique number assigned by the brand company of the medium and a unique serial number and check number assigned to the medium, verification number area for the media number and The track II data is included in the track II data including the expiration date range and configured to include a discrimination code for setting a local transaction through the medium as a local medium based transaction instead of a brand media based transaction. As a system configuration for issuing a medium, a method of configuring track II data by specifically including the identification code in the medium number is shown.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 1 to implement various methods of implementing the medium issuing system 100 (eg, some components may be omitted or subdivided). Or combined methods), but the present invention includes all implementation methods inferred above, and the technical features are not limited to the implementation method shown in FIG. For example, the media issuing system 100 shown in FIG. 1 may be configured as one system with the media operating system shown in FIG. 3, and the present invention is not limited thereto.

According to the embodiment shown in FIG. 1, the division code is a number included in at least one of a unique number and a serial number except the check number among the unique number, serial number, and check number constituting the media number. A media number shown in FIG. 1 is formed by combining the unique number, the division code, the serial number, and the check number according to a predetermined number of digits.

Referring to FIG. 1, the medium issuing system 100 includes a media number combining the unique number, the division code, the serial number, and the check number according to a predetermined number of digits, a verification number for the medium, and an expiration date. It comprises a storage medium 135 for storing the track II data by connecting the customer information of the customer receiving the medium and the medium issuing request terminal 140 for requesting the medium issuance to the medium issuing system 100 It features.

The medium issuing request terminal 140 is preferably a customer terminal used by the customer, or any one of the employee terminal used by the employee of the media issuer operating the medium issuing system 100 shown in FIG. The media issuance request information including the client information and the target media information for issuing the media is configured and transmitted to the media issuing system 100.

Here, the customer information includes personal information (for example, name, resident registration number, address, contact information, etc.) of the customer applying for issuing the medium, and the issuing medium information is a medium for the purpose and field of use of the medium. Setting information and media issuance / use agreement information between the customer and the media issuer.

For example, when the issuing medium is a credit card, the issuing medium information is preferably made to include the information structure included in the credit card application.

Referring to FIG. 1, the medium issuing system 100 includes information receiving means 105 for receiving medium issuing request information including customer information and issuing medium information from the medium issuing request terminal 140 through a communication network. And media issuing approval means (110) for approving issuance of the medium by using the customer information and issuing medium information, and to the customer who has applied for issuing the medium by recording track II data in the issuance-approved medium. Characterized in that it comprises a medium issuing means 125 for processing to be paid.

According to the method of the present invention, the information receiving means 105, the medium issuing approval means 110 and the medium issuing means 125 is a means provided in the medium issuing system 100, the present invention Those skilled in the art will be familiar with the configuration of the information receiving means 105, the medium issuing approval means 110, and the medium issuing means 125 and the method for issuing the medium. Omitted, the present invention is not limited by the configuration and operation of the information receiving means 105, the medium issuing approval means 110 and the medium issuing means 125.

Referring to FIG. 1, when the media issuing system 100 constituting the track II data by including the identification code in the media number, when it is approved to issue the media to the customer through the media issuing request information, the media is issued. Determine the unique number assigned by the brand company and the serial number uniquely assigned to the medium, but local transactions through the medium issued through the unique number assigned by the brand company to local media based transactions, not brand media based transactions Determine a classification code to be set for processing; assign the identification code to a predetermined number of digits in the unique number area and the serial number area, and then combine according to a predetermined number to form a media number excluding the check number; The check number calculated by substituting the number, division code and serial number into the check number calculation formula of the brand company And a media number constituting means (115) for constituting a combined media number according to the set number of digits. If the identification code is not included in the media number, the media number constituting means (115) can be omitted. Do.

If it is approved to issue a medium to the customer through the medium issuing request information, the medium number constituting means 115 determines a unique number assigned by a brand company of the medium and a serial number uniquely assigned to the medium. In the brand media that is set to allow only brand media-based transactions through the unique number assigned by the brand company, if the transaction processed through the brand media is a local transaction, the local transaction is based on the local media rather than the brand media-based transaction. Determines the delimiter code to set as a transaction.

Here, the local medium-based transaction is a transaction provided through a medium set to be traded only locally, and means a transaction in which a fee of a brand company is omitted when calculating a fee for the transaction.

The brand media-based transaction is a transaction that can be traded both locally and overseas through a medium issued by a unique number assigned by a brand company. When calculating the fee for the transaction, the fee is calculated based on the local transaction. It means a transaction that includes a brand company's fee according to the fee calculation method.

The unique number is a number assigned to a medium including the track II data by a brand company for the medium, or a number assigned to a medium issuing company that issues the medium, and has a total N (N> 2) digit card number. It is preferable to include the number corresponding to the first n (n <N) digits among the digits.

For example, if the medium on which the track II data is recorded is a credit card having a 16-digit number system, the unique number of the track II data includes a bank identifier (BIN) corresponding to four digits of the first 16 digits. It is preferable to make it.

The serial number is a number assigned to the medium to identify a medium issued by including the same unique number with another medium, and has n number of digits corresponding to the unique number among all N (N> 2) digit card number digits. And a number corresponding to (Nn-1) digits excluding one digit corresponding to the check number, and the serial number preferably includes a number which does not overlap with respect to a medium to which the unique number is assigned.

For example, if the medium on which the track II data is recorded is a credit card having a 16-digit number system, the track number data serial number is the first 4-digit BIN and the last 1-digit check number (= check). It is preferable to include the 11-digit number except for digit).

In the method shown in FIG. 1 in which the identification code is included in the media number to configure track II data, the identification code is local through a medium that is issued, including the unique number, serial number, and a predetermined check number. When a transaction is made, even if the medium is a brand medium issued with a unique number of a brand company, the fee of the local transaction by the medium is calculated according to the local medium-based transaction, and the overseas transaction is made through the medium. Only in this case, the fee for the foreign transaction by the medium is included in the number assigned to the specific digits of the media number so that the calculation is based on the brand media-based transaction.

When the identification code is determined, the media number constituting means 115 assigns the identification code to a predetermined number of digits in the unique number area and the serial number area, and then combines the identification code according to the predetermined number of digits to exclude the check number. Configure

According to one embodiment of the invention, the identification code is preferably made by including the unique number assigned by the brand company, in this case, the identification code is a brand-based transaction based on the local transaction through the medium in the brand company It does not include a unique number assigned to be processed as a local media transaction.

According to another exemplary embodiment of the present invention, it is preferable that the identification code includes a number (digit) of one or more digits, and in this case, the identification code is a unique number except for the number of digits corresponding to the check number on the media number system. (Or serial number) is preferably made to include a division number included in the predetermined digit position, the digit position can be set in various ways according to the intention of those skilled in the art.

For example, if the medium on which the track II data is recorded is a credit card having a 16-digit number system, and the identification code is a two-digit number (digit), the identification code is placed in the first two digits of the four-digit BIN. It may be included, included in two middle digits, or included in two trailing digits, or may be included in any two digits of the 11-digit serial number from front to back.

According to another exemplary embodiment of the present invention, it is preferable that the identification code includes two or more numbers (digits), in which case the identification code is a unique number except for the number of digits corresponding to the check number on the media number system. (Or serial number) is preferably made to include a division number contained in different digit positions, the digit position can be set in various ways according to the intention of those skilled in the art.

For example, if the medium on which the track II data is recorded is a credit card having a 16-digit number system, and the identification code consists of a single digit number (digit) and a two digit number (digit), one of the identification codes may be used. The digit number is included in the last digit of the BIN, and the remaining two digit numbers may be included in the first digit of the serial number, and both the single digit number and the two digit number are included in different specific digits of the BIN according to the intention of the skilled person. Or may be included in different specific digits of the serial number.

That is, in the embodiment shown in FIG. 1, the classification code included in the media number may be variously modified according to the intention of the person skilled in the art and included in the unique number and / or the serial number. It is manifestly obvious that all modifications are made.

According to an embodiment of the present invention, even when issuing the same type of medium, one or more of the classification code structure (for example, the number of digits and the number of digits to be included in the unique number and / or serial number) and the identification code itself allocated to the medium may be used. It is possible to set differently depending on the characteristics.

For example, even when issuing the same kind of credit card, it is possible to set one or more of the classification code and the assigned separation code differently depending on whether the customer issuing the credit card is a general customer or a VIP customer. And, according to the gender, age, occupation of the customer issuing the credit card, one or more of the division code configuration and the assigned allocation code is set differently, or the division code according to the additional service characteristics associated with the credit card It is possible to set differently one or more of the configuration and the assigned identification code.

That is, the media number constituting means 115 determines the local transaction through the media in the media number, including the unique number assigned by the brand company of the media and the unique serial number of the media, based on the local media rather than the brand media based transaction. It characterized by constituting the media number of the brand company by including the identification code set to process as a transaction.

When the media number including the unique number, the identification code and the serial number is configured in addition to the check number, the media number constituting means 115 adds the unique number, the identification code and the serial number to the check number calculation formula of the brand company. Compose the media number combining the check number calculated by substituting according to the preset number of digits.

The check number is a number calculated by substituting the unique number and serial number of the media number for each digit into the check number calculation formula of the brand company, wherein the division code is one or more of the unique number and the serial number. As included in, the check number is preferably calculated by substituting the unique number, identification code and serial number into the check number calculation formula of the brand for each digit.

According to the exemplary embodiment of the present invention, the check number preferably includes a single digit number, and the digit of the check number may be variously modified according to the intention of the person skilled in the art or the media number system.

According to another embodiment of the present invention, when the identification code is not included in the media number, the identification code includes a reserved area of the track II data, a redundant data area (for example, an area storing the same data), Code values (eg, digits, nibbles, hexa codes, letters, symbols) contained in one or more of the unused data areas (e.g., areas that store data that is not used at all in the transaction process using the medium). And the like).

For example, the total number of digits in the media number area storing the media number in the track II data is 19 digits. In this case, the identification code may include a code value stored in the spare area of the media number area.

However, the spare area for storing the division code on the track II data is not limited to the medium number area, and the spare area for storing the division code is included in all areas constituting the track II data. It can be selected according to the intention of the person skilled in the art from the region.

Or, there is an issuer area in the track II data, if the issuer information (eg, issuer number) stored in the issuer area is included in the unique number of the media number, the identification code is the issuer area. It can contain code values stored in.

However, an area in which the distinguishing code is alternately stored in the track II data is not limited to the issuer area, and an area in which the distinguishing code is alternately stored may be one or more duplicate data areas existing in the track II data or It can be selected according to the intention of those skilled in the art from the unused data area.

Referring to FIG. 1, the media issuing system 100 includes a media number area for storing a media number including a unique number assigned by a brand company of a media and a unique serial number and a check number assigned to the media. In the track II data including the verification number area and the expiration date area for the media number, the track II data is included by including a classification code for setting the local transaction through the medium as a local medium based transaction rather than a brand media based transaction. And a data structuring means 120, and a storage means 130 for connecting the customer information of the customer and the track II data and storing the data on the storage medium 135 when the medium recording the track II data is issued to the customer. Characterized in that made.

The data constituent means 120 includes a media number area for storing a media number including a unique number assigned by a brand company of the medium and a unique serial number and check number assigned to the medium, and a verification number area for the media number. And a classification code for setting a local transaction through the medium to be a local media based transaction instead of a brand media based transaction in the track II data including an expiration date range. It is characterized in that the configuration of the track II data to be processed in the local medium-based transactions.

Here, the track II data preferably includes a data structure defined in ISO / IEC 7810 or ISO / IEC 7816 standard. Referring to the standard, the track II data further includes one or more other information areas in addition to the medium number area, verification number area, and expiration date area, but a detailed description thereof will be omitted.

When the media number including the unique number, the identification code, the serial number and the check number is configured by the media number configuration means 115 according to the embodiment shown in FIG. 1, the data configuration means 120 Track II data including a media number and a verification number calculated according to the verification number calculation formula of the brand company and an expiration date for the media.

The verification number is a number for verifying a media number obtained by combining the unique number, the identification code, the serial number, and the check number according to a predetermined number of digits, and is preferably calculated by the verification number calculation formula of the brand company.

The expiration date is information for setting a year / month that can be transacted through a medium on which track II data including a media number obtained by combining the unique number, identification code, serial number, and check number according to a predetermined number of digits.

According to another embodiment of the present invention, when the identification code is not included in the media number, the data constituting means 120 includes the media number and the verification number of the brand company including the unique number, serial number, and check number. It is possible to configure the track II data by including the validity period and including the identification code in at least one of the spare area, the redundant data area and the unused data area of the track II data.

When the track II data is constructed, the medium issuing means 125 processes the track II data to be issued to the customer by recording the track II data on the medium.

Here, the medium on which the track II data is recorded includes a credit card or a check card in the form of a magnetic strip (MS) card or an integrated circuit (IC) card.

The storage unit 130 connects the customer information included in the medium issuing request information and the configured track II data and stores the data in the storage medium 135.

If the medium issuing system 100 shown in FIG. 1 is provided in a second medium issuing company separate from the media operating system shown in FIG. 3, the storage means 130 may store the track II data (or medium). Number) and the medium issuer information of the second material can be transmitted to and stored in the media operating system shown in FIG. 3, whereby the present invention is not limited thereto.

2 is a diagram illustrating a medium issuing process according to an embodiment of the present invention.

More specifically, FIG. 2 shows track II data including a classification code configured to process a local transaction through a medium as a local medium based transaction rather than a brand media based transaction through the medium issuing system 100 shown in FIG. 1. As a process of issuing a recorded medium, specifically, a method of configuring track II data by including the identification code in the media number as in the method shown in FIG.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 2 to implement various methods for the medium issuance process (for example, some steps may be omitted or the order may be changed). Although it can be inferred, the present invention includes all the implementation methods inferred, and the technical features are not limited only to the implementation method shown in FIG.

Hereinafter, in FIG. 2, the medium issuing system 100 shown in FIG. 1 will be described as "server" for convenience.

Referring to FIG. 2, when the medium issuing request terminal 140 illustrated in FIG. 1 constructs and transmits medium issuing request information including customer information for issuing the medium and issuing medium information (200), The server receives the medium issuing request information, and approves issuance of the medium by using the customer information and the subject medium information included in the medium issuing request information (205).

If the medium is not issued (210), the server transmits medium issuance error information to the medium issuing request terminal 140 (215), and terminates the medium issuance.

On the other hand, if the issuance of the medium is approved (210), the server determines the unique number assigned by the brand company of the medium and the serial number uniquely assigned to the medium, but the brand medium through the unique number assigned by the brand company When a transaction processed through a medium (= brand medium) that is set to allow only a standard transaction is a local transaction, a discrimination code for setting the local transaction to be processed as a local medium based transaction rather than a brand media based transaction is determined (220).

If the classification code is determined (225), the server substitutes the identification code into a predetermined number of digits in the unique number area and the serial number area, and combines the media code except for the check number by 1 according to the predetermined number of digits. After the configuration (230), the unique number, the identification code and serial number is substituted into the check number calculation formula of the brand company to calculate the check number (235), the unique number, classification code and serial number and the calculated The media number in which the check numbers are combined according to the preset digits is secondly constructed (240).

In addition, the server determines the validity period for the medium and the verification number calculated according to the verification number calculation formula of the brand company (245), and configures the track II data including the media number, verification number and expiration date. 250.

According to another embodiment of the present invention, if the identification code is not included in the media number, the server includes the media number, the verification number, and the expiration date of the brand company as it is, and the spare area of the track II data and duplicate data. It is possible to compose the track II data by including the discrimination code in at least one of an area and an unused data area.

If the track II data is configured (255), the server records and issues the track II data on a medium (260), and stores the client information included in the medium issuing request information and the configured track II data. Stored in medium 135 (265).

3 is a diagram illustrating a configuration of a media operating system 315 according to an embodiment of the present invention.

In more detail, FIG. 3 shows track II data including a classification code configured to process a local transaction through a medium as a local medium based transaction rather than a brand media based transaction through the media issuing system 300 shown in FIG. As a configuration of a system for operating a recorded medium, those skilled in the art to which the present invention pertains may refer to and / or modify the configuration of the media operating system 315 by referring to FIG. It would be possible to infer a method (eg, an implementation method in which some components are omitted, subdivided, or combined), but the present invention includes all the implementation methods inferred above, and only with the implementation method shown in FIG. The technical features are not limited. For example, the media operating system 315 shown in FIG. 3 may be configured as one system with the media issuing system 300 shown in FIG. 1, and the present invention is not limited thereto.

According to the present invention, the media operating system 315 may include: a storage medium 305 for connecting and storing track II data and customer information about a medium issued through the medium issuing system 300 shown in FIG. And a database 360 for storing approval details, fee information, fee settlement details, and the like, which are generated in the process of operating the medium. A database (1) (365) for storing the approval history (1) for calculating a number, a database (2) (370) for storing the approval history (2) for calculating a fee according to a brand media based transaction, and the approval history (1) and database (3) (375), which consolidates and stores fee settlement details (1) and fee settlement details (2), sorted according to transaction date (or settlement date and time), settled according to the approval details (2). More than Be made of W are preferred. Here, the database (1) 365, the database (2) 370, and the database (3) 375 are logical names for distinguishing between the local medium-based transaction and the brand medium-based transaction. Does not mean that the physical configuration (or name) of is comprised of the database (1) 365, the database (2) 370, and the database (3) 375.

The unique number is a number assigned to a medium including the track II data by a brand company for the medium, or a number assigned to a medium issuing company that issues the medium, and has a total N (N> 2) digit card number. It is preferable to include the number corresponding to the first n (n <N) digits among the digits.

For example, if the medium on which the track II data is recorded is a credit card having a 16-digit number system, the unique number of the track II data includes a bank identifier (BIN) corresponding to four digits of the first 16 digits. It is preferable to make it.

The serial number is a number assigned to the medium to identify a medium issued by including the same unique number with another medium, and has n number of digits corresponding to the unique number among all N (N> 2) digit card number digits. And a number corresponding to (Nn-1) digits excluding one digit corresponding to the check number, and the serial number preferably includes a number which does not overlap with respect to a medium to which the unique number is assigned.

For example, if the medium on which the track II data is recorded is a credit card having a 16-digit number system, the track number data serial number is the first 4-digit BIN and the last 1-digit check number (= check). It is preferable to include the 11-digit number except for digit).

According to the implementation method shown in FIG. 1, the classification code included in the media number includes a unique number, a serial number, and a predetermined check number. Even if it is a brand medium issued, the fee of local transaction by the medium is calculated according to the local medium-based transaction, and the fee of overseas transaction by the medium is only calculated when the foreign transaction is made through the medium. It includes a number assigned to a specific digit of the media number to be calculated according to the brand media based transaction.

According to one embodiment of the invention, the identification code is preferably made by including the unique number assigned by the brand company, in this case, the identification code is a brand-based transaction based on the local transaction through the medium in the brand company It does not include a unique number assigned to be processed as a local media transaction.

According to another exemplary embodiment of the present invention, it is preferable that the identification code includes a number (digit) of one or more digits, and in this case, the identification code is a unique number except for the number of digits corresponding to the check number on the media number system. (Or serial number) is preferably made to include a division number included in the predetermined digit position, the digit position can be set in various ways according to the intention of those skilled in the art.

For example, if the medium on which the track II data is recorded is a credit card having a 16-digit number system, and the identification code is a two-digit number (digit), the identification code is placed in the first two digits of the four-digit BIN. It may be included, included in two middle digits, or included in two trailing digits, or may be included in any two digits of the 11-digit serial number from front to back.

According to another exemplary embodiment of the present invention, it is preferable that the identification code includes two or more numbers (digits), in which case the identification code is a unique number except for the number of digits corresponding to the check number on the media number system. (Or serial number) is preferably made to include a division number contained in different digit positions, the digit position can be set in various ways according to the intention of those skilled in the art.

For example, if the medium on which the track II data is recorded is a credit card having a 16-digit number system, and the identification code consists of a single digit number (digit) and a two digit number (digit), one of the identification codes may be used. The digit number is included in the last digit of the BIN, and the remaining two digit numbers may be included in the first digit of the serial number, and both the single digit number and the two digit number are included in different specific digits of the BIN according to the intention of the skilled person. Or may be included in different specific digits of the serial number.

That is, in the embodiment shown in FIG. 3, the configuration of the classification code included in the media number can be variously modified according to the intention of those skilled in the art and included in the unique number and / or the serial number. It is manifestly obvious that all modifications are made.

According to an embodiment of the present invention, even when issuing the same type of medium, one or more of the classification code structure (for example, the number of digits and the number of digits to be included in the unique number and / or serial number) and the identification code itself allocated to the medium may be used. It is possible to set differently depending on the characteristics.

For example, even when issuing the same kind of credit card, it is possible to set one or more of the classification code and the assigned separation code differently depending on whether the customer issuing the credit card is a general customer or a VIP customer. And, according to the gender, age, occupation of the customer issuing the credit card, one or more of the division code configuration and the assigned allocation code is set differently, or the division code according to the additional service characteristics associated with the credit card It is possible to set differently one or more of the configuration and the assigned identification code.

The check number is a number calculated by substituting the unique number and serial number of the media number for each digit into the check number calculation formula of the brand company, wherein the division code is one or more of the unique number and the serial number. As included in, the check number is preferably calculated by substituting the unique number, identification code and serial number into the check number calculation formula of the brand for each digit.

According to the exemplary embodiment of the present invention, the check number preferably includes a single digit number, and the digit of the check number may be variously modified according to the intention of the person skilled in the art or the media number system.

According to another embodiment of the present invention, when the identification code is not included in the media number, the media number may include the media number of a brand company including a unique number, a serial number, and a check number.

The verification number of the track II data is a number for verifying a media number obtained by combining the unique number, the identification code, the serial number, and the check number according to a predetermined number of digits, and is calculated by the verification number calculation formula of the brand company. Do.

The validity period of the track II data is set to the year / month that can be transacted through the medium recording the track II data including a media number combining the unique number, identification code, serial number, and check number according to a predetermined number of digits. This is information.

The approval history (1) stored in the database (1) (365), although the medium issued by recording the track II data was actually issued to the brand medium including the unique number of the brand company, the transaction using the medium is local. In the case of the transaction, the transaction is processed to calculate the fee of the transaction through the medium according to the fee calculation method of the transaction occurred through the local media, the local transaction date, the approval number for the local media transaction, the local authorization amount, local It is preferred to include the settlement date and time, and the local medium-based fee calculation setting information for specifying that the fee of the transaction using the medium is calculated corresponding to the local medium-based transaction. If the fees of all the approval details stored in the database (1) 365 are calculated according to the local media based transaction method, the local media based fee calculation setting information may be omitted.

In this case, the fee calculated in response to the local medium-based transaction includes a fee of a local transaction participant (eg, a bansa, a media issuer, etc.), and a fee of a brand company corresponding to the medium is excluded.

The approval history (2) stored in the database (2) (370), if a transaction other than the local media based transaction occurs through a medium that records the track II data, the transaction using the medium is a brand media based transaction It is an approval process that calculates the fee of the transaction through the medium according to the method of calculating the fee of the transaction generated through the brand media, and the date and time of the international transaction (eg Local transaction date and time, the authorization number for the brand media transaction, the amount authorized in the foreign country (e.g., the amount expressed in the currency of the country / region in which the foreign transaction occurred, or the local authorization amount applied to the exchange rate), the date of settlement (the country where the foreign transaction occurred) The date and time of local settlement, or the time difference for local settlement). It is preferable to include the brand medium-based fee calculation setting information that specifies to be calculated in correspondence to the land medium-based transaction. If the fees of all approvals stored in the database (2) 370 are calculated according to the brand media based transaction method, the brand media based fee calculation setting information may be omitted.

Here, the fee calculated in response to the brand media-based transaction is characterized in that it comprises the commission of the foreign transaction participants (eg, the media issuer, etc.) and the brand company corresponding to the medium.

According to the present invention, the media operating system 315 is connected to the bansa server 310 for relay transmission of the full text requesting a local transaction through a local communication network, the brand company for relaying the full text requesting a foreign transaction And a server 385 and an international communication network. When the medium issuing system 300 shown in FIG. 1 is provided to a second medium issuing agent, the second medium issuing company is provided. The second medium issuing server 380 and the issuing is characterized in that the communication is connected through a communication network.

The bansa server 310 transmits a message including track II data and transaction amount and merchant information read from the medium from a merchant terminal provided at a local merchant for local transaction using the medium, and through the local communication network. It includes a server operated by a local transaction participant relaying the full text to the media operating system 315.

The brand company server 385 assigns a unique number to the medium, and provides a full text including a track II data read from the medium and a transaction amount in a foreign transaction using the medium through an international communication network. The server is operated by a participant in a foreign transaction who relays the data.

The second medium issuing server 380 includes the medium issuing system 300 shown in FIG. 1, and includes a specialized exchange means 320 and a transaction approval means 325 shown in FIG. 3. Although the media operating system 315 is provided, but does not have a media operating system 315 shown in FIG. 3 except for the specialized exchange means 320 and the transaction approval means 325, a server operated by a media issuer. It is made to include.

According to the present invention, the media operating system 315 may receive a full text requesting a local transaction including a predetermined track II data and a transaction amount from the bansa server 310 through a local communication network, or an international communication network. Specialized exchange means 320 for receiving a full text requesting a foreign transaction, including a predetermined track II data and the transaction amount from the brand company server 385, and transaction approval for processing the transaction approval for the received full text It characterized in that it comprises a means 325, the specialized exchange means 320 is further provided for receiving the full text (2) containing a predetermined approval from the second medium issuer server 380 It is desirable to.

According to the implementation method of the present invention, the specialized exchange means 320 and the transaction approval means 325 is a means provided in the media operating system 315, the person skilled in the art to which the present invention belongs. If so, you will be familiar with the configuration and operation of the specialized exchange means 320 and the transaction approval means 325, detailed description thereof will be omitted, the professional exchange means 320 and transaction approval means 325 The present invention is not limited by the configuration and operation manner.

Referring to FIG. 3, when the full text is received through the full text exchange means 320 and a transaction for the full text is approved by the transaction approval means 325, the approved full text is received. And a medium identification means (330) for checking whether the identification code is included in the track II data included in the identification information. The identification code is included in the media number as in the method shown in FIG. In this case, the medium identification means 330 extracts a unique number and a distinguishing code according to a predetermined number of digits from the media number of the track II data included in the full text, and identifies the unique number of the track II data stored in the storage medium 305. And comparing with the discriminating code to check whether there is a match.

The full text transmitted from one of the bansa server 310 and the brand company server 385 is received through the professional exchange means 320, and the transaction approval means 325 for the received full text message. When the transaction is approved, the medium checking means 330 checks the track II data included in the full text, checks the discrimination code included in the track II data, and checks the track II data. Check if the local transaction matches the identification code that is set to be processed as local media based transaction instead of brand media based transaction.

When the division code is included in the media number as in the method shown in FIG. 1, the media identification means 330 checks the media number included in the track II data, and stores the media number in a predetermined digit. After decomposing according to the identification number and the identification code assigned to the medium number from the storage medium 305 for storing the track II data for the medium issued through the medium issuing system 300 shown in FIG. After confirming the track II data matching the customer information of the customer who issued the medium, and extracting the unique number and the identification code from the media number of the identified track II data, the unique number identified from the storage medium 305 and Compare the identification code and the identification code and the identification code identified from the full text to determine whether the match.

According to another embodiment of the present invention, when the identification code is not included in the media number, the media identification means 330 is configured to identify the division code among the spare area, redundant data area, and unused data area constituting the track II data. After extracting the classification code from the region set to store the data, and storing the classification code to set the local transaction through the medium in which the extracted classification code and the track II data is treated as a local medium based transaction rather than a brand media based transaction. The identification code stored in the storage medium 305 is compared and checked for matching.

Referring to FIG. 3, the media operating system 315 reads the full text to determine whether the approved full text is transmitted from a bansa server 310 or a full text transmitted from a brand company server 385. If the message is sent from the bansa server 310, and the message (1) (365) for calculating the fee according to the local medium-based transaction If the full text is transmitted from the brand company server (385), the history storage means for storing the approval history (2) for the full text in a database (2) (370) for calculating a fee according to the brand media based transaction It is characterized by comprising a 340.

If the classification code included in the track II data is identified as a division code for setting a local transaction based on the medium recording the track II data as a local medium based transaction instead of a brand media based transaction, the specialized transmission destination checking means 335 ) Reads the full text including the media number including the unique number and the distinguishing code to determine whether the full text approved through the transaction approval means 325 is the full text transmitted from the bansa server 310 or the brand company server 385. It is characterized by checking whether the message transmitted from).

According to an embodiment of the present invention, when the full message includes the server address (or server identifier) of the full text transfer destination, the full text transfer destination checking means 335 reads the server address (or server identifier) to the full text bansa. It is preferable to check whether the full text transmitted from the server 310 or the full text transmitted from the brand company server 385.

According to another exemplary embodiment of the present invention, when the specialized exchange means 320 is divided into a means for receiving a full text corresponding to a local transaction and a means for receiving a full text corresponding to an overseas transaction, the specialized transmission destination checking means 335 ) May determine whether the full text is transmitted from the bansa server 310 or the full text transmitted from the brand company server 385 by determining the full text exchange means 320 that has received the full text.

According to another exemplary embodiment of the present invention, the specialized transmission destination confirmation means 335 reads log information at the time of receiving the full message to confirm a communication connection target at the time of receiving the full text, and the communication connection target. It is preferable to check whether the full text is transmitted from the bansa server 310 or the full text transmitted from the brand company server 385.

If it is confirmed that the preamble is transmitted from the bansa server 310, the history storage means 340 is the approval history (1) corresponding to the local medium-based transaction is approved by the transaction approval means 325 (1) ), And stores the authorization details (1) in the database (1) (365) in connection with the media number.

On the other hand, if it is confirmed that the full text is transmitted from the brand company server 385, the history storage means 340 is approved by the transaction approval means 325 approval history corresponding to the local media based transaction (2) ), And stores the authorization details (2) in the database (2) (370) in connection with the media number.

According to another embodiment of the present invention, when the medium on which the track II data including the identification code is recorded is issued through the second medium issuing company, a predetermined approval history is included through the specialized exchange means 320. When the full text 2 is received, the full text transmission destination checking means 335 checks whether the full text 2 is the full text transmitted from the second medium issuing server 380.

If the full text (2) is a full text transmitted from the second media issuer server (380), the full text delivery destination checking means (335) is the approval history included in the full text (2) brand company server (385) From the second media issuer server 380 to verify whether the approval by the full text received.

If the full text (2) is received from the second media issuer server 380, the approvals included in the full text (2) is the second media issuer server (380) from the brand company server 385 In accordance with the approval information received by the full text message), the history storage means 340, the approval history included in the full text (2) confirms the approval history (2) corresponding to the local media based transaction, and The authorization details (2) are stored in connection with the second medium issuer information (not shown) in the database (2) (370) for calculating the fee according to the brand media based transaction, and the specialized exchange means (320) The second media issuer server 380 transmits a message notifying that the approval history 2 has been stored in a database (2) 370 that calculates a fee according to a brand media based transaction.

Referring to FIG. 3, the media operating system 315 stores the approval history 1 in the database 1, 365 by the history storage means 340, or the database 2, 370. After the approval history (2) is stored in the synchronization history (1) stored in the database (1) (365) and the approval history (2) stored in the database (2) (370), the date and time of payment settlement The fee information (1) for the approval history (1) stored in the database (1) (365) is calculated according to the fee calculation method of the media-based transaction, and the database (2) according to the fee calculation method of the brand media-based transaction. Fee calculation means (345) for calculating fee information (2) for the approval history (2) stored in (370), and calculated based on the fee information (1) and brand media based transactions calculated according to the local media based transaction The settlement of fees for the collected fee information (2) It is characterized in that the settlement further comprises a processing means 350, the history storage means 340 and the fee calculation means 345, if the full text is transmitted from the bansa server 310, corresponding to the full text The transaction fee is calculated to be calculated according to the local media-based transaction, and if the full text is transmitted from the brand company server 385, a fee is calculated to process the transaction fee corresponding to the full text to be calculated according to the brand media-based transaction. Perform the function of the processing means.

After the approval history 1 is stored in the database 1 or 365 by the history storage means 340 or the approval history 2 is stored in the database 2 or 370, the fee calculation means ( 345 synchronizes the fee settlement date and time of the approval history (1) stored in the database (1) (365) and the approval history (2) stored in the database (2) (370).

That is, the fee settlement of the local medium-based transaction is independently settled according to the local medium-based method, and the fee settlement of the brand medium-based transaction is separately settled according to the method set by the brand company, and the approval details (2 If the international transaction date and time is set to the date and time of the country / region where the foreign transaction occurred, the time difference does not match the local media based transaction date and time, the fee calculation means 345 is the fee settlement history and brand of the local media based transaction Synchronize the fee settlement date and time so that the fee settlement history of the media-based transaction can be sorted according to the transaction date and time or the settlement date and time for the approved amount of the transaction. If only the local transaction exists in the transaction for the medium, the fee settlement method of the local medium based transaction may be used as it is without synchronizing the fee settlement date and time.

When the fee settlement date is synchronized, the fee calculation means 345 calculates fee information (1) for the authorization (1) stored in the database (1) (365) according to the fee calculation method of the local medium-based transaction. According to the fee calculation method of the brand media based transaction, the fee information (2) for the approval history (2) stored in the database (2) (370) is characterized in that it is calculated.

If either the approval history (1) or the approval history (2) does not exist at the time of settlement of the fee, the fee calculation means 345 is the approval history existing among the approval history (1) or the approval history (2). It is desirable to calculate fee information for.

When the fee information 1 corresponding to the local medium based transaction is calculated by the fee calculating means 345, the settlement processing means 350 is applied to the fee information 1 calculated according to the local medium based transaction. To handle the settlement of fees.

Alternatively, when the fee information 2 corresponding to the brand media based transaction is calculated by the fee calculating means 345, the settlement processing unit 350 calculates the fee information 2 calculated according to the brand media based transaction. Process the settlement of fees for

According to another embodiment of the present invention, when the medium on which the track II data including the identification code is recorded is issued through the second medium issuing company, the database 2 (by the history storing means 340) ( After the second medium issuer information (not shown) and the approval details 2 are stored in 370, the fee calculation means 345 is configured to calculate the second medium issuer in accordance with a fee calculation method of a brand media based transaction. Information (not shown) is calculated to calculate the fee information (2) for the approval history (2) stored in the database (2) (370), and the settlement processing means (350) determines the second medium issuer. Instead, processing fee is calculated for the fee information 2 calculated according to the brand media based transaction, and the specialized exchange means 320 sends the fee information (2) to the second medium issuer server 380. Through the settlement of fees (2) It sends professional.

Referring to FIG. 3, when the fee settlement for the approval history 1 and the approval history 2 is processed, the media operating system 315 setstles the fee according to the fee information 1 and the local medium-based transaction. Information storage means for arranging the details (1) and the fee information (2) according to the brand media-based transaction according to the transaction date (or settlement date) and store in the database (3) (375) ( And 355).

When the settlement of the fee for the approval history (1) stored in the database (1) (365) and the approval history (2) stored in the database (2) 370 by the settlement processing means 350, the information The storage means 355 stores the fee information (1) and the fee settlement history (1) according to the local media based transaction and the fee information (2) and the transaction history (2) according to the brand media based transaction (2) And the fee information (1), the fee settlement history (1), the fee information (2), and the fee settlement history (2) by linking the media number to the database (3) (375). ).

According to another exemplary embodiment of the present invention, when the medium on which the track II data including the identification code is recorded is issued through the second medium issuing agent, the approval history connected with the second medium issuing agent information (2) When the fee settlement is processed for the information storage means 355, the fee information (2) for the approval information (2) associated with the second medium issuer information and the fee settlement details according to the brand media based transaction (2). ) Is stored in the database (3) 375 in connection with the second medium issuer information.

4 is a diagram illustrating a process of storing approval details for a transaction approval according to an exemplary embodiment of the present invention.

In more detail, FIG. 4 illustrates a process of setting and storing the approval history for a local transaction through a medium in which the identification code is recorded as a local medium based transaction rather than a brand media based transaction. Specifically, FIG. When the identification code is included in the media number of the track II data, the method for storing and setting the approval history for the local transaction through the medium as the local medium based transaction rather than the brand media based transaction as shown in FIG. It is.

Those skilled in the art to which the present invention pertains, various implementation methods (e.g., some steps may be omitted) for the process of storing the approval history for the transaction approval by referring to and / or modifying the Figure 4 Or an implementation method in which the order is changed), but the present invention includes all the implementation methods inferred above, and the technical features are not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 4, the media operating system 315 shown in FIG. 3 will be described as "server" for convenience.

Referring to FIG. 4, when a full message containing track II data is received by the server (400), the server reads the full text to process a transaction approval and a corresponding full text exchange (405), if the transaction is approved. In case 410, the server extracts a unique number and a distinguishing code according to a predetermined number of digits from the media number of the track II data included in the full text, and identifies the unique number and the distinguishing number of the track II data stored in the storage medium 305. The code is checked to see if it matches (415).

According to another embodiment of the present invention, when the identification code is not included in the media number, the server is configured to store the identification code among a spare area, a duplicate data area, and an unused data area constituting the track II data. After the classification code is extracted from the area, it is checked whether the extracted classification code matches the classification code for setting the local transaction through the medium on which the track II data is recorded as the local medium based transaction instead of the brand media based transaction.

If the unique number and the distinguishing code is matched (420), the server reads the full text including the media number including the unique number and the distinguishing code is the full-text bansa server approved through the transaction approval means 325 Check whether the full text transmitted from 310 or the full text transmitted from the brand company server 385 (425).

According to an exemplary embodiment of the present invention, when the preamble includes the server address (or server identifier) of the preamble transfer destination, the server reads the server address (or server identifier) and transmits the preamble from the bansa server 310. It is preferable to check whether the full text has been transmitted or the full text transmitted from the brand company server 385.

According to another exemplary embodiment of the present invention, when the server is divided into means for receiving a message corresponding to a local transaction and a means for receiving a message corresponding to an overseas transaction, the server provides means for exchanging the message. It is preferable to determine whether the full text is transmitted from the bansa server 310 or the full text transmitted from the brand company server 385.

According to another exemplary embodiment of the present invention, the server reads log information at the time of receiving the full message to confirm a communication connection target at the time when the full text is received, and determines the communication connection target to determine the communication connection target. It is preferable to check whether the full text transmitted from the bansa server 310 or the full text transmitted from the brand company server 385.

If it is confirmed that the preamble is transmitted from the bansa server 310 (430), the server checks the approved approval as the approval history (1) corresponding to the local media based transaction (435), the approval history (1) is stored in the database (1) (365) in connection with the media number (440).

On the other hand, if it is confirmed that the full text is transmitted from the brand company server 385 (430), the server confirms the approved approval history as the approval history (2) corresponding to the local media based transaction (445), the approval history (2) is stored in the database (2) (370) in conjunction with the media number (450).

However, in the present invention, storing the approval history (1) in the database (1) (365), and storing the approval history (2) in the database (2) (370), the medium of the brand medium When a transaction occurs locally, it means that the fee calculation for the approval of the transaction is stored to be processed on a local medium basis, not on a brand medium basis, and separately constitutes a database 360 in which the approval history is stored. It does not mean that.

5 is a diagram illustrating a process of storing approval details for a transaction approval according to another exemplary embodiment of the present invention.

In more detail, in FIG. 5, when the medium issuing system 300 shown in FIG. 1 is provided to a second medium issuing company other than the medium issuing company having the media operating system 315 shown in FIG. When the second media issuer server 380 transmits the full text (2) including the approval details, a process of confirming and storing whether the approval contents included in the full text (2) corresponds to a brand media standard transaction is shown. As one skilled in the art to which the present invention pertains, various implementation methods (e.g., some steps may be performed) for the process of storing approval details for the transaction approval by referring to and / or modifying the drawing 5 The method may be omitted, or the order may be changed.), But the present invention may include all the implementation methods inferred above, and the technical features may be implemented only by the implementation method shown in FIG. This is not limited.

Hereinafter, in FIG. 5, the media operating system 315 shown in FIG. 3 will be described as "server" for convenience.

Referring to FIG. 5, when the full text (2) including the approval details is received (500) by the server, the server reads the full text (2) so that the full text (2) is a second media issuer server ( Check whether the message received from 380 (505).

If the full text (2) is a full text received from the second media issuer server (380) (510), the server is the approval history included in the full text (2) the approval history corresponding to the local media based transaction ( 2) and confirm (515), the approval history (2) is connected to the media number and the second medium issuer information and stored in the database (2) (370) (550).

6 is a diagram illustrating a process of storing a fee settlement process for a transaction approval according to an embodiment of the present invention.

In more detail, in FIG. 6, when the approval history is stored to process a local transaction through a medium including the identification code through a process shown in FIG. The process of setting and paying a fee for a local transaction through a local medium based transaction rather than a brand media based transaction is shown. If a person having ordinary knowledge in the technical field to which the present invention belongs, refer to FIG. Alternatively, it may be possible to infer various implementation methods (e.g., some steps may be omitted or the order may be changed) for the settlement of fees for the transaction approval. It is made, including, and the technical features are not limited only to the implementation method shown in FIG.

Hereinafter, in FIG. 6, the media operating system 315 shown in FIG. 3 will be described as "server" for convenience.

Referring to FIG. 6, when the approval history 1 and the approval history 2 are stored in the database 360 through the process illustrated in FIG. 4, the server stores the approval history stored in the database 1, 365. (1) synchronizes the fee settlement date and time of the approval history (2) stored in the database (2) (370) (600).

If the fee settlement date is synchronized (605), the server calculates fee information (1) for the authorization (1) stored in the database (1) (365) according to the fee calculation method of the local medium-based transaction, The fee information (2) for the approval history (2) stored in the database (2) (370) is calculated according to the fee calculation method of the brand media based transaction (610), and the fee calculated according to the local media based transaction. A fee settlement for the information (1) is processed, and a fee settlement for the fee information (2) calculated according to the brand media based transaction is processed (615).

If the fee settlement is processed (620), the server pays the fee settlement according to the fee information (1) and the local media based transaction (1) and the fee settlement according to the fee information (2) and the brand media based transaction (2) is arranged according to the transaction date and time (or settlement date and time), and the sorted fee information (1), fee settlement details (1), the fee information (2) and fee settlement details (2) The data is stored in the database (3) (375) (625).

7 is a diagram illustrating a process of storing a fee settlement process for a transaction approval according to another embodiment of the present invention.

In more detail, in FIG. 7, the approval history of the second media issuer is set and stored in the approval history 2 to process the local transaction as a local media based transaction rather than a brand media based transaction through the process illustrated in FIG. 5. In this case, it shows the process of settlement of the fee for the approval (2) in accordance with the brand medium-based transaction, if the person of ordinary skill in the art to which the present invention belongs, reference and / or modification of this figure Thus, various implementation methods (for example, some steps may be omitted or the order may be changed) may be inferred for the settlement of fees for the transaction approval, but the present invention includes all the implementation methods inferred. The technical features are not limited only to the implementation method illustrated in FIG. 7.

Hereinafter, in FIG. 7, the media operating system 315 shown in FIG. 3 will be described as "server" for convenience.

Referring to FIG. 7, through the process shown in FIG. 5, the approval history of the second media issuer is set to the approval history (2) for processing a local transaction as a local media based transaction rather than a brand media based transaction. The server checks the approval history (2) stored in the database (2) 370 in connection with the second medium issuer information (700), and if the approval history connected with the second medium issuer information ( 2) is confirmed (705), the server calculates the fee information (2) for the authorization (2) stored in the database (2) (370) according to the fee calculation method of the brand media based transaction (710) In operation 715, the fee settlement for the fee information 2 calculated according to the brand media based transaction is processed.

If the fee settlement is processed (720), the server connects the fee information (2) and the fee settlement history (2) according to the brand media based transaction with the second media issuer information database (3) ( 725 and the fee settlement history 2 is transmitted to the second media issuer server 380 (730).

8 is a diagram illustrating a configuration of a media operating system 815 according to another exemplary embodiment of the present invention.

In more detail, in FIG. 8, the medium issuing system 800 shown in FIG. 1 is provided to a second medium issuing company, and the media operating system 815 shown in FIG. 8 is the second medium issuing company. Is registered as a virtual medium issuer (or a purchase agent) of a medium issued through the medium issuing system 800 shown in FIG. 1, the virtual medium issuer in the media operation role and function shown in FIG. (Or the purchaser of a slip) is shown showing a system configuration that further performs the role, and those of ordinary skill in the art to which the present invention belongs, the reference to and / or modifying the Figure 8 the media operating system ( 815 It may be possible to infer various implementation methods for configuration (eg, implementation methods in which some components are omitted, subdivided, or combined), but the present invention includes all implementation methods inferred above. W is made, the technical features are not limited only with the exemplary method shown in the figure 8. For example, the media operating system 815 shown in FIG. 8 may be configured as one system with the media issuing system 800 shown in FIG. 1, and the present invention is not limited thereto.

Hereinafter, in describing the media operating system 815 illustrated in FIG. 8, a detailed description of the same configuration as the system configuration illustrated in FIG. 3 will be omitted for convenience.

According to the present invention, the media operating system 815 may include track II data for the media issued through the media issuing system 800 shown in FIG. 1 and second media issuer information for issuing the media. A storage medium 805 for connecting and storing, and a database 860 for storing the approval history, fee information, fee settlement history, etc. generated during the operation of the medium.

According to the embodiment shown in FIG. 8, although the identification code is shown as being included in the media number of the track II data, when the identification code is not included in the media number according to another embodiment of the present invention, The identification code may be included in at least one of a spare area, a redundant data area, and an unused data area of the track II data.

According to the present invention, the media operating system 815 is connected to the bansa server 810 relaying the transmission of the request for local transactions and the local company through a local communication network, the brand company for relaying the transmission of the request for foreign transactions And a second medium issuer server 880 provided in a second medium issuer having a medium issuing system 800 shown in FIG. 1. ) And a communication connection through a communication network between the issuer.

The bansa server 810 transmits a message including track II data and transaction amount and merchant information read from the medium from a merchant terminal provided at a local merchant for local transaction using the medium, and through the local communication network. And a server operated by a local transaction participant who relays the full text to the media operating system 815.

The brand company server 885 assigns a unique number to the medium, and provides a full text including a track II data read from the medium and a transaction amount through an international communication network. The server is operated by a participant in a foreign transaction who relays the data.

The second medium issuing server 880 includes a server of a medium issuing company having the medium issuing system 800 shown in FIG. 1, and is provided with a specialized exchange and transaction approval function for the medium. desirable.

According to the present invention, the media operating system 815 receives a full text requesting a local transaction, including predetermined track II data and a transaction amount, from the bansa server 810 via a local communication network or an international communication network. Receives a full text requesting a foreign transaction, including a predetermined track II data and the transaction amount from the brand company server 885, and the track stored in the storage medium 805, the track II data included in the received full text And a full text exchange means 820 for transmitting the full text to a second medium issuer server 880 corresponding to the second medium issuer information associated with the track II data. Characterized in that, the specialized exchange means 820, the second medium issuer server 880 receives the full text (2) including the approval history for the full text, the receiving Characterized in that transmitting the specialized baensa as a server 810 or a brand company server 885 transmits the professional.

The specialized exchange means 820 receives a full text requesting a local transaction including a predetermined track II data and a transaction amount from the bansa server 810 through a local communication network, or the brand company server through an international communication network ( 885) a full-text requesting an overseas transaction, including the prescribed Track II data and the transaction amount.

According to the method of the present invention, the full text does not include the track II data, and it is possible to selectively include only some information necessary for a transaction among the track II data, but even in this case, it is read from the medium and included in the full text. This set of information is referred to as track II data for convenience.

The media issuing system 800 shown in FIG. 1 is provided in a second media issuer, and the media operating system 815 shown in FIG. 8 is shown in FIG. 1 in the second media issuer. When registered as a virtual medium issuing company (or voucher purchaser) of a medium issued through the medium issuing system 800, when the full text is received, the full text exchange means 820 stores the track II data included in the received full text. Is matched with the track II data stored in the storage medium 805, and if the track II data is matched, the second medium issuer information associated with the track II data is identified from the storage medium 805; The full text message is transmitted to a second medium issuer server 880 corresponding to the second medium issuer information.

In addition, after the second media issuer server 880 processes the transaction approval for the telegram, the telegram exchange means 820 transmits the telegram 2 including the approval details. Receives the full text (2) including the approval history for the full text from the media issuer server 880, and transmits the received full text to the bansa server 810 or brand company server 885 that transmitted the full text. .

Referring to FIG. 8, when the full text or full text 2 is received through the full text exchange means 820, the media operating system 815 includes the identification code in the track II data included in the approved full text. And a medium identification means (830) for checking whether the identification code is included in a media number as in the method shown in FIG. Extracts a unique number and a distinguishing code according to a predetermined number of digits from the media number of the track II data included in the track II data, and compares the unique number and the distinguishing code of the track II data stored in the storage medium 805 and checks whether the match is made. It is done.

When the full text or full text 2 is received by the full text exchange means 820, the medium checking means 830 confirms the track II data included in the full text or full text 2, and is included in the track II data. The identification code is checked, and the identification code is matched with the identification code for setting the local transaction through the medium in which the track II data is recorded as the local media based transaction instead of the brand media based transaction.

When the identification code is included in the media number as in the method shown in FIG. 1, the media identification means 830 confirms the media number included in the track II data, and stores the media number in a predetermined number of digits. After decomposing according to the identification number and the identification code assigned to the media number from the storage medium 805 for storing the track II data for the medium issued through the medium issuing system 800 shown in Figure 1 After confirming the track II data matching the customer information of the customer who issued the medium, extracting the unique number and the identification code from the media number of the identified track II data, the unique number identified from the storage medium 805 and The identification code is compared with the identification code and the identification code identified from the preamble or the preamble (2) to check whether there is a match.

According to another exemplary embodiment of the present invention, when the identification code is not included in the media number, the media identification means 830 stores the identification code among the spare area, redundant data area, and unused data area constituting the track II data. After extracting the classification code from the region set to store the data, and storing the classification code to set the local transaction through the medium in which the extracted classification code and the track II data is treated as a local medium based transaction rather than a brand media based transaction. Comparing the classification code stored in the storage medium 805 to determine whether the match.

Referring to FIG. 8, the media operation system 815 includes a transaction approval confirmation means 825 for confirming that the transaction for the full text has been approved, the unique number and the distinguishing code matched, and the transaction for the full text is approved. If it is confirmed, and read the full-text or the full-text (2) and the full-text transmission destination confirmation means 835 to determine whether the full-text is transmitted from the bansa server 810, or the full-text transmitted from the brand company server 885 and If the full text is transmitted from the bansa server 810, the approval history (1) for the full text is stored in a database (1) (865) that calculates a fee according to a local medium-based transaction, and the full text is a brand company. If it is transmitted from the server 885, and has a history storage means 840 for storing the approval history (2) for the full text in the database (2) 870 for calculating the fee in accordance with the brand media-based transaction Characterized in that where the lure.

If the classification code included in the track II data is identified as a division code for setting a local transaction based on the medium for recording the track II data as a local medium based transaction instead of a brand media based transaction, the transaction approval checking means 825 ) Reads the approval details contained in the full text (2) to confirm that the transaction for the full text is approved.

If the classification code included in the track II data is identified as a classification code for setting a local transaction based on the medium that records the track II data as a local medium based transaction instead of a brand media based transaction, the transaction for the full text is approved. If it is confirmed, the full-text transmission destination confirming means 835 reads the full-text or full-text (2) containing the media number including the unique number and identification code, whether the full-text is transmitted from the bansa server 810, Or it is characterized by checking whether the full text transmitted from the brand company server (885).

According to an embodiment of the present invention, when the message includes the server address (or server identifier) of the specialized destination, or the server address (or server identifier) of the specialized destination is also maintained in the message (2), the specialized destination The identification means 835 reads the server address (or server identifier) to check whether the full text is transmitted from the bansa server 810 or the full text transmitted from the brand company server 885.

According to another exemplary embodiment of the present invention, the specialized exchange means 820 may receive the full text corresponding to the local transaction from the bansa server 810 and the full text corresponding to the foreign transaction from the brand company server 885. When separated by the means, the specialized transmission destination confirmation means 835 determines the specialized exchange means 820 that has received the full message, or the specialized exchange means 820 which relays the full message (2) and the full-text bansa server. It is preferable to check whether the full text is transmitted from 810 or the full text transmitted from the brand company server 885.

According to another exemplary embodiment of the present invention, the specialized transmission destination confirmation means 835 reads log information at the time of exchanging the telegram, confirms a communication connection target at the time of exchanging the telegram, and the communication connection target. It is preferable to check whether the full text is transmitted from the bansa server 810 or the full text transmitted from the brand company server 885.

If it is confirmed that the preamble is transmitted from the bansa server 810, the history storage means 840 checks the approved approval as the approval history (1) corresponding to the local media-based transaction, and the approval history ( 1) is stored in the database (1) 865 in conjunction with the media number.

On the other hand, if it is confirmed that the full text is transmitted from the brand company server 885, the history storage means 840 checks the approved approval as the approval history (2) corresponding to the local media based transaction, the approval history (2) is stored in the database (2) 870 in conjunction with the medium number.

Referring to FIG. 8, the media operating system 815 stores the approval history 1 in the database 1 or 865 by the history storing means 840 or the database 2 or 870. After the approval history (2) is stored in the synchronization history (1) stored in the database (1) (865) and the approval history (2) stored in the database (2) 870 stored in the database, and the local The fee information (1) for the approval history (1) stored in the database (1) (865) is calculated according to the fee calculation method of the media-based transaction, and the database (2) according to the fee calculation method of the brand media-based transaction. Fee calculation means (845) for calculating fee information (2) for the approval history (2) stored in the (870), and calculated based on the fee information (1) and brand media based transactions calculated according to the local media based transaction The settlement of fees for the collected fee information (2) It is characterized in that it further comprises a settlement processing means 850, the history storage means 840 and the fee calculation means 845, if the full text is transmitted from the bansa server 810, corresponding to the full text The transaction fee is calculated to be calculated according to a local media based transaction, and if the full text is transmitted from a brand company server 885, a fee is calculated so that the transaction fee corresponding to the full text is calculated according to a brand media based transaction. Perform the function of the processing means.

After the approval history 1 is stored in the database (1) 865 by the history storage means (840) or the approval history (2) is stored in the database (2) 870, the fee calculation means ( 845 synchronizes the fee settlement date and time of the authorization 1 stored in the database 1 and 865 and the authorization 2 stored in the database 2 and 870.

That is, the fee settlement of the local medium-based transaction is independently settled according to the local medium-based method, and the fee settlement of the brand medium-based transaction is separately settled according to the method set by the brand company, and the approval details (2 If the international transaction date and time is set to the date / time of the country / region where the foreign transaction occurred, the time difference does not match the local media-based transaction date and time, and the fee calculation means 845 determines the fee settlement history and brand of the local media-based transaction. Synchronize the fee settlement date and time so that the fee settlement history of the media-based transaction can be sorted according to the transaction date and time or the settlement date and time for the approved amount of the transaction. If only the local transaction exists in the transaction for the medium, the fee settlement method of the local medium based transaction may be used as it is without synchronizing the fee settlement date and time.

When the fee settlement date is synchronized, the fee calculation means 845 calculates fee information (1) for the authorization (1) stored in the database (1) (865) according to the fee calculation method of the local medium-based transaction. According to the fee calculation method of the brand media based transaction, the fee information (2) for the approval history (2) stored in the database (2) (870) is characterized in that it is calculated.

If either the approval history (1) or the approval history (2) does not exist at the time of settlement of the fee, the fee calculation means (845) is the approval history existing among the approval history (1) or the approval history (2). It is desirable to calculate fee information for.

When the fee information 1 corresponding to the local medium based transaction is calculated by the fee calculating means 845, the settlement processing means 850 is applied to the fee information 1 calculated according to the local medium based transaction. To handle the settlement of fees.

Alternatively, when the fee information 2 corresponding to the brand media based transaction is calculated by the fee calculating means 845, the settlement processing means 850 calculates the fee information 2 calculated according to the brand media based transaction. Process the settlement of fees for

Referring to FIG. 8, when the fee settlement for the approval history 1 and the approval history 2 is processed, the media operating system 815 setstles the fee according to the fee information 1 and the local medium-based transaction. Information storage means for storing the details (1) and the fee information (2) according to the brand media-based transaction according to the transaction date (or settlement date and time) and store in the database (3) (875) ( And 855, wherein the professional exchange means 820 includes the fee information (1), fee settlement history (1), fee information (2) and fee settlement history (2). It sends to the media issuer server 880 of the two.

When the settlement of the fee for the approval history (1) stored in the database (1) 865 and the approval history (2) stored in the database (2) 870 by the settlement processing means 850, the information The storage means 855 stores the fee information (1) and the fee settlement history (1) according to the local media based transaction and the fee information (2) and the transaction history (2) according to the brand media based transaction (2). The fee information (1), the fee settlement history (1), the fee information (2), and the fee settlement history (2) with the media number and the second media issuer information. Connect and store in database (3) (875).

9 is a diagram illustrating a process of storing approval details for a transaction approval according to another embodiment of the present invention.

In more detail, in FIG. 9, the media issuing system 800 shown in FIG. 1 is provided to a second media issuing company, and the media operating system 815 shown in FIG. 8 is the second media issuing company. Is registered as a virtual medium issuing company (or voucher purchaser) of a medium issued through the medium issuing system 800 shown in FIG. 1, the media operating system 815 shown in FIG. When performing a role and a function of a media issuer (or a purchaser of a document), and receiving a full text from any one of the bansa server 810 or the brand company server 885, and the transaction corresponding to the full text is a local transaction, 9 shows a process of setting and storing the approval history for the local transaction as a local medium based transaction rather than a brand media based transaction, and a person having ordinary knowledge in the technical field to which the present invention belongs, FIG. 9 By referring to and / or modifying the present invention, various implementation methods (e.g., some methods may be omitted or reordered) may be inferred for the process of storing approval details for the transaction approval. It is made including all the inferred implementation methods, the technical features are not limited only to the implementation method shown in FIG.

For example, FIG. 9 confirms the classification code included in the full text at the time of receiving the full text from the bansa server 810 or the brand company server 885 for convenience, and from the second media issuer server 880. When the transaction approval is confirmed at the time of receiving the preamble (2) including the approval details, it is illustrated that the premise transfer destination is confirmed. However, the present invention is not limited thereto. It may be performed after receiving 2).

Hereinafter, in FIG. 9, the media operating system 815 shown in FIG. 8 will be described as "server" for convenience.

Referring to FIG. 9, when the full message including the track II data is received by the server (900), the server transmits the approval information for the local transaction to the track II data included in the full text based on the local medium instead of the brand medium based transaction. In operation 905, it is checked whether a separator code set as a transaction is included.

If the discrimination code is confirmed (910), the server reads the full text and checks whether the transaction approval through the medium issued by the second media issuer is requested (915).

If the transaction approval is not requested through the medium issued by the second medium issuer (920), the server performs the process shown in FIG.

On the other hand, if the transaction approval through the medium issued by the second medium issuer is requested (920), the server transmits the full message to the second medium issuer server 880 and issues the second medium. Check whether the full text (2) including the approval history is received from the company server (880) (925).

If the preamble (2) is received from the second media issuer server (880) (930), the server reads the approval details included in the preamble (2) and checks whether the transaction requested through the preamble is approved. (935).

If it is confirmed that the transaction has been approved (940), the server reads the full text or full text (2) to see if the full text corresponding to the approved transaction is the full text sent from bansa server 810, or the brand company server 885. In step 945, it is checked whether the message is transmitted from the full text message.

According to an embodiment of the present invention, if the preamble includes the server address (or server identifier) of the premise destination, or the server address (or server identifier) of the premise destination is also maintained in the preamble (2), the server The server address (or server identifier) may be read to determine whether the full text is transmitted from the bansa server 810 or the full text transmitted from the brand company server 885.

According to another exemplary embodiment of the present invention, the server is divided into means for receiving a full text corresponding to a local transaction from a bansa server 810 and a means for receiving a full text corresponding to an overseas transaction from a brand company server 885. In this case, it is preferable that the server determines each of the means to determine whether the full text is transmitted from the bansa server 810 or the full text transmitted from the brand company server 885.

According to another exemplary embodiment of the present invention, the server reads log information at the time of exchanging the telegrams, checks a communication connection target at the time of exchanging the telegram, and determines the communication connection target, It is preferable to check whether the full text transmitted from the bansa server 810 or the full text transmitted from the brand company server 885.

If the full text is confirmed to be transmitted from the bansa server 810 (950), the server checks the approved approval as the approval history (1) corresponding to the local media based transaction (955), the approval history (1) is stored in the database (1) (865) in conjunction with the media number (960).

On the other hand, if it is confirmed that the full text is transmitted from the brand company server 885 (950), the server checks the approved approval history as the approval history (2) corresponding to the local media based transaction (965), the approval history (2) is stored in the database (2) 870 in conjunction with the media number (970).

However, in the present invention, storing the approval history (1) in the database (1) (865), and storing the approval history (2) in the database (2) (870), the medium of the medium issued by the brand medium When a transaction occurs locally, it means that the fee calculation for the approval of the transaction is stored to be processed on a local medium basis, not on a brand medium basis, and separately constitutes a database 860 in which the approval history is stored. It does not mean that.

Subsequently, the fee settlement for the approval details (1) to the approval details (2) is settled by processing local transactions based on local media rather than brand media based transactions through the process shown in FIG. 6 or 7.

According to the present invention, a local transaction through the medium is set to be processed as a local medium based transaction instead of a brand media based transaction at a predetermined number of unique numbers assigned by a brand company of a medium and a serial number uniquely assigned to the medium. After combining the classification code according to the predetermined number of digits, the media number is configured by further combining the check number calculated by substituting the unique number, the classification code and the serial number into the check number calculation formula of the brand company according to the predetermined number of digits. When the local transaction using the issued media including the identification code by issuing a medium containing a track II data including the verification number and the expiration date for the medium, the verification number calculated according to the verification number calculation formula of the brand company , Commissions for local transactions are based on local media based transactions, not brand media based transactions. Therefore, there is an advantage of calculating the brand company fee.

According to the present invention, after issuing a medium including the identification code by a second medium issuing company, when calculating an overseas transaction using the medium, the fee for the overseas transaction is calculated based on the brand company fee according to the brand medium standard transaction. There is an advantage of generating a commission settlement agency revenue for the second media issuer by calculating the commission settlement agency fee.

Claims (8)

Card number combining n (n <N) digit unique number, (Nn-1) digit serial number and 1 digit check number according to N (N> 2) digit card number system set by card brand And a card company that has issued a card having a medium IC (Integrated Circuit) chip or MS (Magnetic Stripe) on which track II data including the verification number and the expiration date of the card is recorded. In In the country where the card company is located, the identification code for automatically setting the card transaction generated by the card to a local medium based transaction not associated with the brand company, rather than a brand media based transaction associated with the brand company, identifies the uniqueness of the n-digit number. Constructing a number combination of (N-1) digits except for the check number by assigning and assigning to at least one designated digit of a number and a (Nn-1) digit serial number; Constructing an N-digit card number by substituting the formula of the check number calculation formula into the (N-1) digit number combination; Constructing track II data including the configured N-digit card number, a verification number of the card, and an expiration date; And And storing the track II data by connecting the track II data and the customer information when the configured track II data is recorded on a card medium and issued to a customer. The method of claim 1, After the card is issued, receiving a preamble including predetermined track II data and confirming that the identification code is included in a designated place of a card number of the track II data included in the preamble when the transaction is approved; And If the identification code is confirmed, the approval history (1) of the transaction is stored in a database (1) that calculates a fee according to a local medium-based transaction. If the identification code is not confirmed, the approval history (2) of the transaction is branded. Storing in a database (2) for calculating fees in accordance with medium-based transactions. 3. The method of claim 2, The fee for the authorization (1) stored in the database (1) is calculated according to the fee calculation method of the local medium based transaction, and the fee for the approval (2) stored in the database (2) is the brand media based transaction Calculating according to the fee calculation method of the; And And processing the settlement of each of the calculated fees. The method of claim 3, And, if each of the calculated fees is settled, storing the settled details of the settled fees in a database (3) by sorting them according to a transaction or a settlement date and time. The method of claim 1, wherein the identification code, The unique number of the n-digit, or One or more digits included in the designated place of the n-digit unique number or (N-n-1) digit serial number except the one-digit check number, or The card operating method, characterized in that it comprises two or more numbers included in different digits of the unique number of the n-digit or (N-n-1) digit serial number except the one-digit check number. Card number combining n (n <N) digit unique number, (Nn-1) digit serial number and 1 digit check number according to N (N> 2) digit card number system set by card brand And a card operating system provided in a card company which has issued a card having a medium-IC (Integrated Circuit) chip or an MS (Magnetic Stripe) on which track II data including a verification number and an expiration date of the card is recorded. In the country where the card company is located, the identification code for automatically setting the card transaction generated by the card to a local medium based transaction not associated with the brand company, rather than a brand media based transaction associated with the brand company, identifies the uniqueness of the n-digit number. Substituting in at least one designated digit of the number and the (Nn-1) digit serial number and combining to form a combination of (N-1) digits excluding the check number, the number of the (N-1) digits Number constituting means for constructing an N-digit card number by substituting a combination of a check number calculation formula of the brand company into a combination; Data constructing means for constructing track II data including the configured N-digit card number, the verification number of the card, and an expiration date; And And storing means for linking and storing the track II data and the customer information when the configured track II data is recorded on a card medium and issued to a customer. The method of claim 6, Confirmation means for confirming that, after the card is issued, a full text including predetermined track II data is received and the transaction code is included in the designated number of the card number of the track II data included in the full text, when the transaction is approved; And If the identification code is confirmed, the approval history (1) of the transaction is stored in a database (1) that calculates a fee according to a local medium-based transaction. If the identification code is not confirmed, the approval history (2) of the transaction is branded. The card operating system, characterized in that further comprising; history storage means for storing in the database (2) for calculating the fee in accordance with the medium-based transaction. The method of claim 7, wherein The fee for the authorization (1) stored in the database (1) is calculated according to the fee calculation method of the local medium based transaction, and the fee for the approval (2) stored in the database (2) is the brand media based transaction Fee calculation processing means calculated according to the fee calculation method of the; And And a settlement processing means for processing settlement of each of the calculated fees.

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