KR101183792B1 - System and Method for Issuing Memory Card with Multiple Payment Means and Recording Medium - Google Patents

Abstract

The present invention relates to a memory card issuing method and system having a plurality of payment means and a recording medium therefor, wherein a single payment means is provided in a separate memory card (for example, a microSD card) in a wireless terminal widely used by people. Instead of using a plurality of payment means to be used, it is possible to use the effective memory card and a convenient use of a plurality of payment means.

Memory card

Description

Method and system for issuing a memory card having a plurality of payment means and a recording medium therefor {System and Method for Issuing Memory Card with Multiple Payment Means and Recording Medium}

1 is a diagram illustrating a card issuing system for providing a payment service using a memory card including a payment means provided by one or more financial institutions according to an embodiment of the present invention.

2 is a diagram illustrating a functional configuration of a memory card that provides a payment service using one or more payment means stored on a memory according to an embodiment of the present invention.

3 is a diagram illustrating a card issuing process for providing a payment service using a memory card including payment means provided by a plurality of financial institutions according to an exemplary embodiment of the present invention.

4 is a diagram illustrating a card issuing process for providing a payment service using a memory card including payment means provided by a plurality of financial institutions according to another exemplary embodiment of the present invention.

<Description of main parts of drawing>

100: card issuing server 105: interface unit

110: interface providing unit 115: information receiving unit

120: validity authentication unit 125: information transmission unit

130: information storage unit 135: card issuing unit

140: information D / B 145: card issuing device

150: card issuing terminal

The present invention is to use a plurality of payment means instead of one payment means in a separate memory card (for example, MicroSD card, etc.) in a wireless terminal widely used by people, the inconvenience of managing a plurality of payment means And to overcome the inconvenience that each must be issued from a variety of financial institutions for issuing a plurality of payment means.

With the development of information and communication technology, memory cards are becoming smaller and smaller than conventional floppy disks, and are being used in various ways from microSD (Secure Digital) memory cards.

In particular, a wireless terminal widely used by people is equipped with a separate external memory card in addition to the memory space of the wireless terminal itself, so that the memory card is used as a function for storing / managing a variety of information.

However, a memory card that stores information (or data) of a simple user does not utilize the high capacity and high performance of the memory card properly, and does not operate effectively by only a simple storage function.

In addition, since the memory card is always mounted and operated in the wireless terminal used by the customer, the wireless terminal is always in possession, and therefore, various methods for mounting the payment means in the wireless terminal have been developed.

For example, a method of storing and operating a payment method in a Universal Subscriber Identity Module (USIM) chip or a financial IC chip provided in a mobile phone has been developed in the past, but this is a limitation of the storage space of the USIM chip and the uniqueness of the USIM chip. Limited use is possible depending on the function, there is a disadvantage that requires cooperation with a carrier that issues a USIM chip, and the financial IC chip has a problem that can be used only by the financial institution that issues the financial IC chip, It is inconvenient to install and turn on the phone while it is turned off.

In order to solve such inconveniences and to efficiently utilize a memory card mounted in a wireless terminal used by customers, as in Patent Registration No. 10-0596410, there is a method of operating a payment means on a memory card, but this is a memory card. When the function of the IC card is implemented in the memory card, a plurality of antennas must be provided in the memory card, and only the non-contact IC card function is mounted. When the payment request through the problem occurs that can not be processed.

An object of the present invention for solving the above problems is to provide a memory card for mounting one or more payment means on the memory card, and providing a variety of financial transaction services utilizing the mounted payment means.

Memory card issuing method is provided with a plurality of payment means according to the present invention, when the customer requests a memory card issuance containing one or more payment means information, issuing application information received, the customer included in the received application information Transmitting the information to one or more financial institution servers to provide payment means information to be provided in the memory card, and when the one or more payment means information to be stored in the memory card is received from the financial institution server, And processing the payment means information to be stored in the memory card.

In addition, the step of transmitting the customer information included in the received issuance application information to one or more financial institution server to provide the payment means information to be provided in the memory card, issuing a credit card by checking the credit information for the customer If it is confirmed whether the credit card issuance is impossible, characterized in that it comprises the step of excluding the card company issuing a credit card.

In addition, the step of transmitting the customer information included in the received issuance application information to one or more financial institution server to provide the payment means information to be provided in the memory card, issuing a credit card by checking the credit information for the customer If it is confirmed that the presence of the credit card is impossible to issue, characterized in that it comprises the step of requesting the provision of payment means information corresponding to the deactivated credit card.

The processing of the received at least one payment means information in the memory card may include processing the data in the secure memory area of the memory card.

The present invention includes a computer-readable recording medium characterized by recording a program for executing the memory card issuing method provided with the plurality of payment means described above.

The memory card issuing system equipped with a plurality of payment means according to the present invention, when a customer requests a memory card issuance request including at least one payment means information, issuing application information, the customer included in the received application information Means for transmitting the information to at least one financial institution server for providing payment means information to be provided in the memory card, and if at least one payment means information to be stored in the memory card is received from the financial institution server, And means for processing the payment means information to be stored in the memory card.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. 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.

In addition, preferred embodiments of the present invention to be carried out below are provided in each system functional configuration to efficiently describe the technical components constituting the present invention, or system functions that are commonly provided in the technical field to which the present invention belongs. The configuration will be omitted, and described mainly on the functional configuration to be additionally provided for the present invention. If those skilled in the art to which the present invention pertains, it will be able to easily understand the function of the components that are conventionally used among the omitted functional configuration not shown below, and also the configuration omitted as described above The relationship between the elements and the components added for the present invention will also be clearly understood.

In addition, the following examples will be used to appropriately modify the terms so that those skilled in the art to clearly understand the technical features of the present invention to effectively understand, but the present invention It is by no means limited.

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

1 is a diagram illustrating a card issuing system for providing a payment service using a memory card including a payment means provided by one or more financial institutions according to an embodiment of the present invention.

In more detail, Figure 1 shows a given customer as a card issuer (e.g., an institution that is able to cooperate with a plurality of financial institutions and collect payment means information that can be provided to a customer from a plurality of financial institutions) through a predetermined card issuing interface. When the payment means issuance application information for providing a payment service using a memory card including a payment means provided by at least one financial institution is provided, the card issuer provides the customer with the payment means issuance application information. The present invention relates to a system configuration for issuing a memory card in the form of a security digital (SD) memory card or a miniSD memory card or a microSD memory card (T-Flash). Reference means and / or modifications to 1 include payment methods provided by the one or more financial institutions. Although it will be possible to infer various implementation methods for the card issuance system configuration for providing a payment service using a memory card, the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG. No.

Hereinafter, at least one or more means for issuing a predetermined memory card to the customer based on the payment means issuance application information provided from the customer through a predetermined card issuing interface on the card issuing system shown in FIG. Components corresponding to the functional configuration are referred to as "card issuing server 100" for convenience.

Referring to FIG. 1 according to an embodiment of the present invention, a card issuing system for providing a payment service using a memory card including a payment means provided by one or more financial institutions is provided in at least one card issuing institution. And a staff terminal used by the card issuing staff, and / or when the card issuing system supports a non-face-to-face card issuing application, at least a wired terminal and / or a wireless terminal used by the customer. Characterized in that it comprises one or more comprising a client terminal, the employee terminal and / or the client terminal is connected to the card issuing server 100 provided on the card issuing company and a communication channel through a predetermined communication network.

According to an exemplary embodiment of the present invention, the customer visits the card issuing institution to provide a payment service using a memory card including a payment means provided by the at least one financial institution, and provides a window provided at the card issuing institution. A predetermined card issuance application (eg, a payment method provided by the one or more financial institutions) for providing a payment service using a memory card, including a payment means provided by the one or more financial institutions A document having a form for filling in at least one information item for providing a payment service using a memory card including a card) (or the card issuing staff visits the customer and asks the customer for the at least one item). Memory car including payment method provided by financial institution The card issuance application to the card issuing staff, and the card issuing staff fills out the card issuance application through a predetermined staff terminal. The information is input (or selected), and the employee terminal preferably transmits the input (or selected) information to the card issuing server 100 provided in the card issuer through the communication network.

Here, the employee terminal preferably comprises an employee terminal used by the card issuing staff provided in the card issuing institution, the card issuing server 100 connected to the employee terminal is the card issuing institution (or the card It is preferable to include a server provided on the card issuing agency affiliated with the issuing authority, and the communication network connecting the employee terminal and the card issuing server 100 is between the employee terminal and the card issuing server 100. It is preferable to include a communication network connecting the communication channel.

In the card issuing system as described above, the card issuance application that the customer writes, the employee terminal used by the card issuing staff and the communication network connecting the employee terminal and the card issuing server 100 is the customer In order to provide a payment service using a memory card including a payment method provided by the financial institution, the card issuing interface functions for registering payment information issuing application information.

According to another exemplary embodiment of the present invention, when the card issuing system supports a non-face-to-face card issuing application, the customer is selected from a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network. A memory card including at least one client terminal connected to the card issuing server 100 and a payment means provided by the at least one financial institution through at least one user interface provided by the card issuing server 100. When inputting (or selecting) payment means issuance application information for providing a payment service using the client terminal, it is preferable to transmit the card issuing server 100 provided in the card issuer through a predetermined communication network.

Here, the wired terminal connected to the wired communication network is a generic IP document of all terminal devices connected to a communication control network based on Transmission Control Protocol / Internet Protocol (TCP / IP) or UDP / IP (User Datagram Protocol / Internet Protocol), and the TCP / IP. Or a desktop computer and / or notebook connected to a UDP / IP-based network (Notebook UDP or a home appliance terminal connected to the TCP / IP or UDP / IP-based network, such as a DP-Top-Box or UDP or TCP). It is preferable to include at least one kiosk (KIOSK) and the like connected to / IP or UDP / IP-based communication network.

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

In addition, the client terminal outputs at least one user interface provided by the card issuing server 100, inputs and / or selects at least one or more information through the user interface, and transmits the same to the card issuing server 100. It is preferable that a function configuration (for example, a browser program and a communication function or a predetermined communication program and communication function to communicate with the card issuing server 100, etc.) is provided.

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

In the card issuing system, a client terminal including at least one or more wired terminals and / or wireless terminals used by the customer, at least one wired communication network connecting the client terminal and the card issuing server 100 and And / or the wireless communication network performs a function of a card issuing interface for registering the payment means issuance application information for the customer to provide a payment service using a memory card including a payment means provided by the one or more financial institutions.

The storage medium provided on the card issuer according to the present invention issues a predetermined memory card to the customer based on the payment means issuance application information provided from the card issuing terminal 150, and then issues the memory card. And memory card issuance information including at least one of customer information, memory card information, one or more financial institution information, and one or more payment means information provided by each of the financial institutions. The memory card issuing information stored in the card issuer is used for providing a payment service using a memory card including a payment means provided by the one or more financial institutions.

According to one embodiment of the invention, the storage medium is preferably provided in a predetermined DBMS interoperating with a server (or device) performing a predetermined information processing function using the memory card issuing information on the card issuing company. At this time, the location in which the storage medium is provided may be variously performed according to the intention of those skilled in the art, whereby the present invention is not limited.

The card issuing server 100 provided on the card issuer according to the present invention is a generic term for the card issuer side components connected to the card issuing terminal 150 through a predetermined communication network, and includes at least one server ( Or an apparatus) and / or at least one or more programs recorded on a recording medium provided in a predetermined server (or apparatus), and the present invention is not limited thereto.

According to the embodiment of the present invention, the card issuing server 100 is provided with an interface unit 105 (or interface means) for providing a predetermined card issuing interface to the card issuing terminal 150 through the communication network. It is characterized by.

According to an embodiment of the present invention, when the card issuing terminal 150 is an employee terminal connected to a predetermined communication network, the interface unit 105 is assigned to the employee terminal based on the protocol stack defined in the communication network. It is desirable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one information (or data) using a communication protocol defined in a card issuance application program provided in the employee terminal.

According to another exemplary embodiment of the present invention, when the card issuing terminal 150 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 105 implements a protocol stack defined in the wired communication network. It is preferable to provide a communication interface for connecting at least one communication channel with the client terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

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

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

According to another exemplary embodiment of the present invention, when the card issuing terminal 150 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 105 is a protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal and connecting a predetermined communication channel with the client terminal. .

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

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

Referring to FIG. 1, the card issuing server 100 interworks with the interface unit 105 when a predetermined card issuing terminal 150 is connected to the card issuing server 100 through the interface unit 105. Interface providing unit for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined payment means issuance application information from the card issuing terminal 150 to the card issuing terminal 150. (110) (or interface providing means), and in connection with the interface unit 105 receives the predetermined payment means issuing application information transmitted from the card issuing terminal 150 (or selected) through the user interface And an information receiving unit 115 (or information receiving means).

The interface providing unit 110 corresponds to a functional configuration provided in the card issuing terminal 150 when a predetermined card issuing terminal 150 is connected to the card issuing server 100 through the interface unit 105. Generate (or select) the payment means issuance application information to generate a predetermined user interface that can be transmitted to the card issuing server 100 through the communication network, and / or extract from a predetermined database (not shown). In addition, the user interface generated in conjunction with the interface unit 105 (or extracted) characterized in that it provides the card issuing terminal 150 through the communication network.

Thereafter, the card issuing terminal 150 inputs (or selects) the payment means issuing application information based on the user interface, and the card issuing application information issuing the input (or selected) payment means issuing application information through the communication network. Send to server 100.

According to an embodiment of the present invention, when the card issuing terminal 150 is an employee terminal connected to a predetermined financial network, the interface providing unit 110 may provide a card issuance application program provided in the employee terminal. It is preferable to generate (or extract) a user interface of, and provide the generated (or extracted) user interface to the employee terminal through the interface unit 105.

According to another exemplary embodiment of the present invention, when the card issuing terminal 150 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface providing unit 110 is a browser program provided in the client terminal. And / or generate (or extract) a predetermined user interface that can be provided to the communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 105.

According to another exemplary embodiment of the present invention, when the card issuing terminal 150 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 110 is a browser provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided by a program and / or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 105.

The information receiving unit 115 inputs (or selects) predetermined payment means issuance application information through the user interface from the card issuing terminal 150 and transmits the information through the communication network, interworking with the interface unit 105. Characterized in that receiving the payment means issuance application information.

According to the implementation method of the present invention, the payment means issuance application information includes the customer information of the card issuing customer.

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

Referring to FIG. 1, the card issuing server 100 includes an information transmitting unit 125 (or information transmitting means) for transmitting customer information included in the received payment means issuance application information to one or more financial company servers. When the information receiving unit 115 (or information receiving means) receiving one or more payment means information corresponding to the transmitted customer information from the one or more financial institution server that transmitted the customer information, and the received one or more payment means information Collecting one or more payment means information, and providing one or more financial institution information through the predetermined card issuing device 145 and providing the payment means information, one or more payment means information provided by the financial institution; A predetermined memory card including memory card information for storing the at least one financial institution information and payment method information provided by the financial institution; Characterized in that obtained by having a card-issuing unit 135 (the card-issuing unit) for issuing.

In addition, the card issuing server 100 issuing a memory card for providing a payment service using a memory card including a payment means provided by one or more financial institutions to the customer based on the received memory card issuing information Characterized in that it further comprises a validity authentication unit 120 (or validity authentication means) for checking the validity.

The validity authentication unit 120 is valid for issuing a memory card for providing a payment service using a memory card including payment means provided by one or more financial institutions to the customer based on the received memory card issuing information. It is characterized by checking.

According to an embodiment of the present invention, validity confirmation for issuing the memory card to the customer is based on a customer's name and social security number included in the customer information. Preferably in conjunction with identifying the real name of the customer.

In addition, when the payment means included in the memory card comprises a credit card, the validity check for issuing a credit card to the customer as a payment means, a predetermined credit through a predetermined communication network based on the customer information It is preferably made in connection with the evaluation server to confirm the credit information of the customer.

When the payment means issuance application information is received from the card issuing terminal 150, the information transmitter 125 transmits the customer information included in the received payment means issuance application information to one or more financial institution servers. do.

According to an embodiment of the present invention, the target financial institution server for transmitting customer information included in the payment means issuance application information is preferably a server of an affiliated financial institution that provides one or more payment means information to be stored in the memory card. .

Here, if the financial institution that requests the at least one payment method information by transmitting the customer information is a card company that provides payment method information corresponding to the credit card, the result of validity verification of issuing the credit card to the payment method is performed. Based on the above, it is preferable to request the payment means information by transmitting customer information only when the validity is confirmed.

If the validity of the issuance of the credit card for the customer is not authenticated, it is preferable to request the payment means information for the deactivated credit card for the customer.

If at least one financial institution server that transmits the customer information transmits payment means information for one or more payment means that can be provided to the customer, the information receiving unit 115 transmits one or more payment means transmitted from the financial institution server. And receiving information.

Here, when the payment means information is the card information for the credit card or debit card or debit card, the payment means information is the card number, expiration date information (may be omitted in some cases) and card issuer information (or code It is preferable to comprise at least one).

In addition, the received payment means information is preferably deactivated payment means information, it may be received in an activated state according to the intention and purpose of those skilled in the art.

For example, the card number (although some exceptions exist depending on the card company) preferably includes a four-digit card issuer number, a two-digit card type number, a nine-digit serial number, and one check digit.

The expiration date information may include a period (or an expiration date and time) in which the payment means provided in the memory card may be used, and may be omitted when the expiration date does not exist in the memory card.

The card issuer information (or code) comprises at least one unique number (or unique code) assigned to the card issuer (or financial company) that issues one or more payment methods to the customer. It is preferable.

Alternatively, when the payment means information is account information, the payment means information preferably comprises an account number (or account alias) and at least one or more financial institution information (or code) in which the account is opened.

When at least one payment means information is received from at least one financial institution server through the information receiver 115, the card issuing unit 135 receives the at least one payment means information through a predetermined card issuing device 145. And producing (or having the received at least one payment means information in the memory card) a memory card, wherein the memory card is provided (or shipped) to the customer.

Here, the memory card with one or more payment means information issued to the customer may be issued and processed through a wireless terminal (not shown) designated by the customer who requested the issuance of the memory card, in addition to the card issuing device 145. .

If the memory card is issued through a wireless terminal (not shown) designated by the customer, the memory card is actually paid to the customer by mail or provided to the customer who visits the card issuer. After the customer mounts the memory card on a wireless terminal (not shown), it is possible to receive and store one or more payment means information available to the customer from one or more financial institution servers.

The memory card manufactured as described above is provided to the customer and / or is delivered to the customer according to a predetermined card providing procedure, after which the customer uses the memory card through a card issuer according to the present invention. do.

Referring to FIG. 1, the card issuing server 100 includes an information storage unit 130 (or information storage means) for storing memory card issuance information corresponding to a memory card issued to the customer in the storage medium. Characterized in that made.

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

In addition, the memory card information included in the memory card issuance information may be unique to S / N (Serial Number) information of a target memory card provided to (or to be provided to) the customer to a memory chip provided in the memory card. Preferably, the identification information is for identifying a memory card provided to the customer including information and the like.

In addition, the financial institution information included in the memory card issuance information may include identification information (eg, business name, business registration number, corporate registration for the financial institution) that provides one or more payment means information to be stored in the memory card. Number, business address, telephone number, etc.).

In addition, the payment means information included in the memory card issuance information is one or more payment means information provided by the financial institution, if the payment means information is the card information for the credit card or check card or debit card, the payment means The information preferably comprises at least one of a card number, expiration date information (may be omitted in some cases) and card issuer information (or code).

For example, the card number (although some exceptions exist depending on the card company) preferably includes a four-digit card issuer number, a two-digit card type number, a nine-digit serial number, and one check digit.

The expiration date information may include a period (or an expiration date and time) in which the payment means provided in the memory card may be used, and may be omitted when the expiration date does not exist in the memory card.

The card issuer information (or code) comprises at least one unique number (or unique code) assigned to the card issuer (or financial company) that issues one or more payment methods to the customer. It is preferable.

Alternatively, when the payment means information is account information, the payment means information preferably comprises an account number (or account alias) and at least one or more financial institution information (or code) in which the account is opened.

2 is a diagram illustrating a functional configuration of a memory card 200 that provides a payment service using one or more payment means stored on a memory according to an embodiment of the present invention.

More specifically, Figure 2 is a method for implementing a memory card 200 for providing a payment service using one or more payment means stored on the memory, if the person skilled in the art to which the present invention pertains, By referring to and / or modifying FIG. 2, it is possible to infer various memory card 200 functional configurations that provide a payment service using one or more payment means stored on the memory, but the present invention encompasses all inferred implementation methods. It is not limited to the implementation method shown in FIG.

For example, one of ordinary skill in the art to which the present invention pertains may request a payment to a server in order to provide a payment service using one or more payment means stored in a memory by referring to and / or modifying the drawing 2. Although the method of transmitting the payment approval request information and the method of generating and transmitting the payment approval request full text are illustrated and described in one drawing, the present invention is not limited thereto and only one method may be provided.

In addition, those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 2, in addition to the SD (Secure Digital) memory card 200, the MiniSD memory card 200, MicroSD (T- Applicable to all memory cards 200, such as Flash) memory card 200, MMC memory card 200, Compact Flash (CF) memory card 200, Memory Stick, eXtreme Digital (XD) memory card 200, etc. It is possible, and the invention is not limited thereby.

Referring to FIG. 2, a memory card 200 having a memory card payment mode for a payment service using one or more payment means stored on a memory has an external device or an external memory card 200 and a radio frequency signal of a predetermined frequency band. An antenna unit 205 that transmits and receives (or receives an energy source (power source)), and converts a radio frequency signal received through the antenna unit 205 into a digital signal corresponding to a predetermined protocol to control the controller. And an RF unit 265 for converting a digital signal according to a request of the controller 210 into a radio frequency signal corresponding to a predetermined protocol and transmitting it through the antenna unit 205. The antenna unit 205 transmits a radio frequency signal to an external device or an external memory card 200 according to a request of the unit 265, or the antenna unit 205 is an external device or And a switching unit 260 which controls one of the functions of receiving the radio frequency signal from the external memory card 200 to be operated.

The antenna unit 205 is connected to the RF unit 265 and radiates a radio frequency signal for transmitting a radio frequency signal to be transmitted from the RF unit 265 to an external device or an external memory card 200. And a function of providing the checked radio frequency signal to the RF unit 265 when the radio frequency signal transmitted from the external device or the external memory card 200 is confirmed, the antenna The control unit 205 is controlled by the switching unit 260 so that only one of the function of radiating and receiving the radio frequency signal is activated.

The RF unit 265 is an external device or an external device connected to the memory card 200 through a predetermined short range wireless communication while the memory card 200 performs a predetermined function (for example, an electronic payment processing function). Connect a communication session with the memory card 200, convert the radio frequency signal received from the external memory card 200 into a digital signal according to a predetermined protocol, and / or transmit to the external device or the external memory card 200 The digital signal may be converted into a radio frequency signal according to a predetermined protocol and transmitted to an external device or an external memory card 200.

Here, the short-range wireless communication transmitted and received through the radio frequency signal may include infrared ray communication, radio frequency (RF) communication, Bluetooth (BlueTooth), wireless LAN, Wi-Fi, UWB (Ultra). At least one wide band system) is preferably included.

The switching unit 260 has a function of transmitting the radio frequency signal by the antenna unit 205 to an external device or an external memory card 200 at the request of the RF unit 265 or the antenna unit 205 is external. It is characterized in that any one of the function of receiving a radio frequency signal from the device or an external memory card 200 is controlled to operate.

According to the exemplary embodiment of the present invention, the controlling of any one of a function of transmitting a radio frequency signal to the antenna unit 205 or a function of receiving a radio frequency signal may be connected to the antenna unit 205. A radio frequency signal transmitting circuit and a radio frequency signal receiving circuit for short range wireless communication are respectively provided, and it is preferable to control the selection of the radio frequency signal transmitting circuit or the radio frequency signal receiving circuit.

Here, the radio frequency transmitting circuit modulates a digital signal for one or more information (or data) to be transmitted to the external device or the external memory card 200 according to a predetermined protocol (for example, ISO 14443, etc.). Alternatively, it is preferable to output to the external memory card 200, and the modulated signal may be converted into a radio frequency signal through a separate output circuit.

In addition, when a radio frequency signal transmitted from an external device or an external memory card 200 is received, the radio frequency receiver circuit amplifies the received radio frequency signal through an amplifier and converts the amplified radio frequency signal into a predetermined protocol. It is desirable to demodulate one or more information (or data) about the digital signal in accordance with (eg, ISO 14443, etc.).

Referring to FIG. 2, a memory card 200 having a memory card payment mode for a payment service using one or more payment means stored on a memory includes an interface unit for interfacing with a host terminal on which the memory card 200 is mounted. Characterized in that made.

According to an embodiment of the present invention, the host terminal and the interfacing may be connected to the host terminal through a serial peripheral interface (SPI), and the host terminal transmits one or more information (or data) through an SPI mode. It is preferable that the memory card 200 be operated / controlled.

Referring to FIG. 2, a memory card 200 having a memory card payment mode for a payment service using one or more payment means stored on a memory includes a control unit 210, a memory unit 280, and a security application module 270. And a memory controller 275, and at least one terminal function unit (not shown) or the like according to the intention of a person skilled in the art.

The control unit 210 controls the overall operation of the memory card 200 in the functional configuration, manages the flow of information or data between each component, and performs payment processing based on the payment information stored in the memory card provided in the customer's mobile phone. At least one processor interworking and controlling at least one component provided in the memory card 200, and executing at least one processor including a CPU (Central Processing Unit) / MPU (Micro Processing Unit) in hardware. Memory (eg, a register and / or random access memory (RAM)) and a bus (BUS) for inputting and outputting predetermined data, and performing a function specific to the memory card 200 in software. A predetermined program which is loaded from the predetermined recording medium into the execution memory for processing by the processor A predetermined program recorded on a recording medium provided in the memory card 200 for payment processing based on payment information stored in the memory card provided in the customer's mobile phone, including routines and / or program data; And / or a component capable of being processed by software among the functional components provided in the memory card 200, as shown in the control unit 210).

According to the exemplary embodiment of the present invention, the controller 210 may include components (for example, the memory unit 280, the security application module 270, the memory controller 275, and / or the components provided in the memory card 200). Controlling and managing providing the electronic payment service defined in the memory card 200 by interworking terminal functional units (not shown) according to the intention and purpose of those skilled in the art, as well as stored in the memory according to the present invention. The memory card for payment service using one or more payment means stored in the memory, and / or controlling the components provided in the memory card 200 to interoperate for payment service using one or more payment means It is preferable to execute the program recorded on the recording medium provided at (200).

The memory unit 280 is input and output when an operation by a predetermined program routine (or code) and / or program data (eg, a program routine (or code)) for controlling the overall operation of the memory card 200 is performed. General term of non-volatile memory for storing information or data), and includes at least one or more storage means including hardware electrically erasable and programmable read only memory (EEPROM) and / or flash memory (FM), A predetermined program routine and program data (for example, data input or outputted to perform a predetermined function by the program routine) required for the control unit 210 to perform a predetermined control function are stored. .

According to an embodiment of the present invention, the memory unit 280 may include at least one payment means information for providing a payment service using the memory card 200 and a memory for the memory card 200 according to a request of a customer. Card 200 information, merchant information (or merchant terminal information) to be set when a target merchant is to be specified when providing a payment service using the memory card 200, and usage conditions corresponding to the specified usage conditions for each payment method It is preferable that the information and at least one device information for limiting the device on which the memory is mounted.

In addition, the memory unit 280 is preferably stored further including deactivation setting information for the stored payment means.

Here, when there are a plurality of payment means stored in the memory unit 280, the payment means information further includes the location information on the memory to be stored, and when storing the payment means information in the memory unit 280 Check the location information to be stored in the payment means information stored in the memory unit 280, or if the use of the payment means information stored in the memory unit 280 occurs, the payment means information with reference to the location information It is preferable to read.

The memory unit 280 may include a user memory area in which user information (or data) is stored, and a secure memory area in which the payment means information is stored. In this case, it is preferable to access only the case (eg, when using payment service using the memory card 200, when registering payment means information in the memory card 200, etc.).

For example, when a plurality of payment means information is stored in the memory unit 280, and the position for the payment means is designated on the memory, the position information for storing the payment means information is stored in the memory unit 280. A payment method mapping table (such as an absolute memory address (or relative memory address) of a location in a memory where payment method information is to be stored) and a payment method is stored or empty according to the payment method mapping table. It is preferable that a payment means management table (optionally omitted) is provided.

In addition, the payment method mapping table may be classified according to the financial institution that issues the payment method, or according to the type of payment method, or by the use designated by the user when the memory card 200 is issued.

The secure application module 270 may include one or more pieces of information (eg, one or more pieces of information) of the memory card 200 as an external device or an external memory card 200 such as electronic payment and / or electronic payment using the card. Or security requirements, including confidentiality and / or authentication and / or integrity and / or nonrepudiation, which are required in the process of transmitting data. As a safety device for performing a safe and reliable structure within, the memory card 200 encrypts or decrypts predetermined information (or data) processed in the process of performing a predetermined security request function, and the information ( Or add an authenticator that prevents forgery (or tampering) of the data, or store important information that is important in the process of performing the security request function. And it characterized in that.

In general, the security application module 270 is preferably composed of a predetermined security application module 270 inserter and a security application module 270 chip, the security application module 270 chip is a chip containing at least 8-bit CPU Application Specific Integrated Circuit (ASIC) chips (eg, PLCC 44-pin chips) and / or IC chips (eg, IC cards in the form of subscriber identity modules (SIMs)) with performance of 2 MIPS (Million Instructions Per Second) or more. It is preferable to comprise a.

In addition, the security application module 270 is at least one or more security application data (eg, at least one identifier, version, expiration date, issue date, code value, etc.) required for the memory card 200 to perform a predetermined security request function ) And / or keys (e.g. one master key and at least one application key) and / or protocols (e.g. trading protocols, re-transaction protocols, previous transaction cancellation protocols, collection protocols, SAM issuance protocols, (e-money companies / card companies) Registration protocol, authorization protocol, mode switching protocol, key download protocol, SAM revocation protocol) and / or commands (e.g., at least one read / authentication / transmission / registration / setting / mode switching / collection / deletion / disposal / initialization) / Reprocessing / cancellation command).

Referring to FIG. 2, the memory card 200 requests an authentication for the payment service to verify the payment service in order to provide a payment service using one or more payment means stored in the memory according to the present invention. It is characterized by comprising a).

Authentication request and confirmation for the payment service according to the embodiment of the present invention, the program request for the authentication information input (or selection) to the terminal on which the memory card 200 is mounted, and the drive in the terminal After receiving the authentication information input (or selected) through the program, it is preferable to check the authentication of the received authentication information.

Authentication request and confirmation for the payment service according to another embodiment of the present invention, a program capable of inputting (or selecting) authentication information through an operation of the terminal equipped with the memory card, and through the driven program It is preferable to check the authentication of the authentication information by receiving authentication information input (or selected).

When providing a payment service using one or more payment means stored in the memory, if the authentication of the authentication information is confirmed, the memory unit using a separate command for reading one or more payment means stored in the memory It is preferable to set the payment means information stored on 280 to be able to read.

Here, the separate command may be a password set by a customer that allows the memory control unit 275 to access a memory area in which a payment method is stored, or a command (or password) set by a financial institution providing payment method information. In the case of a command (or password) set by a financial institution that provided the payment means information, the memory controller 275 corresponds to the command (or password) in a memory area in which a plurality of payment means are stored. It is desirable to set only the memory area to be accessible.

Referring to FIG. 2, the memory card 200 includes an information checking unit 220 for confirming payment means information stored on the memory unit 280, and a terminal providing the confirmed payment means information and payment information. An information generation unit 225 for generating payment approval request information based on the received payment information, and the terminal on which the memory card 200 is mounted with the generated payment approval request information through the RF unit 265. The payment processing unit 230 for receiving the payment approval result information and transmitting the payment approval result information from the server that receives the payment approval request information and transmits the payment approval result information to the server through the server. It characterized by comprising a.

The information checking unit 220 confirms the payment means information stored on the memory unit 280, the confirmed payment means information is provided to the information generating unit 225.

Here, the payment means information is preferably stored in the secure memory area on the memory unit 280, in order to confirm the payment means information stored on the secure memory area, in addition to the memory control unit 275 It is desirable to check according to the memory approach.

The information generation unit 225 generates payment approval request information based on the payment information received from the terminal providing the payment information and the confirmed payment means information, and the payment approval request information generated Is provided to the payment processing unit 230.

Here, the payment information received from the terminal providing the payment information is preferably received from the terminal through short-range wireless communication.

The payment processing unit 230 transmits the payment approval request information generated by the information generation unit 225 to the server on the payment network through the RF unit 265, the server correspondingly After performing a predetermined payment processing procedure for providing a payment service using one or more payment means stored in the memory through the payment approval request information, any of payment approval details or payment error details corresponding to the payment processing result. A payment processing history corresponding to one is generated, predetermined payment approval result information including the payment processing history is generated and transmitted to the memory card 200 through the payment network.

After the payment approval request information is transmitted to the server through the payment processing unit 230, the payment processing unit 230 transmits a payment corresponding to the payment approval request information from a server on the network through the RF unit 265. Periodically (or in response to the information receiving event of the RF unit 265) is received whether payment approval result information including the processing details is received.

If payment approval result information including payment processing details corresponding to the payment approval request information is received through the RF unit 265, the payment processing unit 230 includes the payment processing details included in the payment approval result information ( For example, payment approval details or payment error details) may be stored on the memory unit 280 or output through an output device provided in the terminal on which the memory card 200 is mounted.

Referring to FIG. 2, the memory card 200 includes an information checking unit 220 for confirming payment means information stored on the memory unit 280, and a terminal providing the confirmed payment means information and payment information. A full text generation unit 235 for generating a full text of the payment approval request based on the received payment information, and a full text transmission unit 240 for transmitting the generated full text of the payment approval request to the server on the network through the RF unit 265. And a professional processing unit 245 for receiving a payment approval result message including a payment processing history corresponding to the full payment approval request message from the server on the network through the RF unit 265 to complete the payment processing. It is characterized by.

The information checking unit 220 confirms the payment means information stored on the memory unit 280, the confirmed payment means information is provided to the information generating unit 225.

Here, the payment means information is preferably stored in the secure memory area on the memory unit 280, in order to confirm the payment means information stored on the secure memory area, in addition to the memory control unit 275 It is desirable to check according to the memory approach.

The full text generation unit 235 may generate a full text of a payment approval request request including at least one payment information received from a terminal providing the payment information and the verified payment means information. The full request for approval is provided to the specialized transmission unit 240.

Here, the payment information received from the terminal providing the payment information is preferably received from the terminal through short-range wireless communication.

The specialized transmitter 240 transmits the payment approval request telegram generated by the specialist generator 235 to a server on a network through the RF unit 265. After performing a predetermined payment processing procedure for providing a payment service using one or more payment means stored in the memory through the full payment approval request message, any of payment approval details or payment error details corresponding to the payment processing result A payment processing history corresponding to one is generated, a predetermined payment approval result text including the payment processing history is generated and transmitted to the memory card 200 through the network.

After the payment approval request message is transmitted to the server through the specialized transmission unit 240, the expert processing unit 245 corresponds to the payment approval request message from the server on the payment network through the RF unit 265. Periodically (or in response to the full text reception event of the RF unit 265) is received whether the full payment approval result including the payment processing history.

If the payment approval message including the payment processing history corresponding to the payment approval request text is received through the RF unit 265, the specialized processing unit 245 may include the payment processing history (eg, included in the payment approval text). Payment approval details, or payment error details) is preferably stored on the memory unit 280, or output through the output device provided in the terminal equipped with the memory card 200.

Referring to FIG. 2, the memory card 200 communicates with an adjacent payee memory card 200 in association with the RF unit 265 to confirm payee account information, and the payment stored on the memory unit 280. Information confirmation unit 220 for confirming the account information, the payee account information and the payer account information, the transfer amount information provided by the terminal equipped with the memory card 200, and transfer processing to the payee account An information generation unit 225 for generating financial transaction request information including authentication information for transmitting the information, and transmitting the generated financial transaction request information to a server on a network through a terminal equipped with the memory card 200. The memory card 200 processes a financial transaction corresponding to the financial transaction request information in a server on the network and generates financial transaction result information corresponding thereto. Surface and transmitted through the mounting terminal to the memory card 200, characterized in that formed by an information reception section 255 for receiving the financial transaction result information.

The information checking unit 220 receives the payee account information provided in the payee memory card 200 from the payee memory card 200 adjacent to the memory card 200, and the payment stored on the memory unit 280. It is characterized in that the checking account information, the confirmed payee account information and payer account information is provided to the information generation unit 225.

Here, the payer account information is preferably stored in a secure memory area on the memory unit 280, and linked with the memory control unit 275 to confirm the payer account information stored on the secure memory area. It is desirable to check according to a separate memory approach.

In addition, it is preferable to include a step of confirming the authentication for providing the payee account information at the terminal side provided with the memory card 200 for transmitting the payee account information.

In addition, the transfer amount information can be further provided from the memory card 200 of the addressee side, thereby the present invention is not limited.

The information generation unit 225, when the confirmed payee account information, the payer account information and the transfer amount information is confirmed, based on this to further verify the authentication information for the transfer process to generate a financial transaction request information, characterized in that The generated financial transaction request information is provided to the information transmitter 250.

According to an embodiment of the present invention, the authentication information is information for securing the validity of at least one or more of confidentiality, authentication, integrity, and nonrepudiation of the financial transaction. Characterized in that it comprises at least one password corresponding to the payer financial account, or a password corresponding to the financial transaction.

In addition, the authentication information further comprises at least one or more security code information provided on the security card provided to the customer in the process of opening the payer financial account, and / or OTP (One Tome Password) generator provided to the customer It is preferably made further comprising an OTP code generated through.

The information transmitter 250 transmits the generated financial transaction request information to a server on a network through a terminal equipped with the memory card 200.

The server receiving the financial transaction request information processes a financial transaction corresponding to the financial transaction request information, generates financial transaction result information corresponding thereto, and generates a memory card through a terminal equipped with the memory card 200. When transmitting to (200), the information receiving unit 255 is characterized in that for receiving the financial transaction result information.

Referring to FIG. 2, when the unique information (or merchant information) of the terminal is received from the terminal requesting payment using the payment means provided in the memory card 200, the received memory card 200 is received. And an information checking unit 220 for confirming payment means information corresponding to the unique information (or affiliated store information). Preferably, the checked payment means is used to be used in the payment processing process.

According to an embodiment of the present invention, the payment means information confirmation corresponding to the received unique information (or affiliated store information) is information that matches the received unique information (or affiliated store information) in association with the memory unit 280. Check and check the stored payment means information in connection with the identified unique information (or merchant information).

If the payment means information for the unique information (or merchant information) is confirmed, it is preferable to process the confirmed payment means to be used in the payment processing process.

That is, after processing the payment means identified among the plurality of payment means provided in the memory card 200 to be activated, and processing to be deactivated again when the payment processing is completed through the activated payment means. It is preferable.

Here, in addition to confirming the payment means corresponding to the unique information (or merchant information), the payment means may be processed according to the payment information, and the present invention is not limited thereto.

For example, if the payment amount is less than 10,000, debit card payment means, if more than 10,000 credit card payment means to be used, or transportation charges are applied to the credit card payment means is applied to the general payment process to use the debit card payment means. It is possible.

If a request for changing / canceling / deleting payment means for each stored unique information (or affiliated store information) is received, it is possible to change / cancel / delete based on this, and thus the present invention is not limited thereto.

3 is a diagram illustrating a card issuing process for providing a payment service using a memory card 200 including payment procedures provided by a plurality of financial institutions according to an exemplary embodiment of the present invention.

In more detail, in FIG. 3, in the card issuance system shown in FIG. When the card issuing officer submits the card issuing staff, the card issuing staff inputs (or selects) payment means issuing application information corresponding to the card issuing application through a predetermined card issuing terminal and transmits the card issuing server to the card issuing server. Issuing a process for issuing a memory card 200 for providing a payment service using a memory card 200 including payment means provided by the plurality of financial institutions to the customer based on the payment means issuing application information in the issuing server. As illustrated, those of ordinary skill in the art to which the present invention pertains refer to FIG. Is modified to infer various implementation methods for issuing the memory card 200 to provide a payment service using the memory card 200 including the payment means provided by the plurality of financial institutions, the present invention It includes all the inferred implementation method, and is not limited to the implementation method shown in FIG.

For example, FIG. 3 illustrates that the memory card 200 is manufactured and provided (or shipped) to the customer, and then stored as the memory card 200 issuance information in the storage medium. According to the process of storing the predetermined memory card 200 issuing information in the storage medium is provided to the customer before the memory card 200, or after the memory card 200 is produced (or shipping) It may be carried out before), whereby the present invention is not limited.

In the following, the card issuing terminal shown in FIG. 1 is referred to as " terminal "

Referring to FIG. 3, a card-issuing interface of a face-to-face type interface is issued by the customer to receive the memory card 200 for providing a payment service using a memory card 200 including payment means provided by the plurality of financial institutions. At least one for providing a payment service using a memory card 200 including payment means provided by a plurality of card issuance applications (eg, the plurality of financial institutions) through the card issuance application, employee terminal, and communication network. The document having a form for filling out the above information item) is prepared and submitted to the card issuing staff, the terminal is issued by the card issuing staff corresponding to the card issuance application prepared by the customer through a predetermined user interface. Input (or select) the payment means issuance application information (300), the payment means through the communication network And it transmits the application-level information to the card issuing server shown in the figure 1 (305).

According to the embodiment of the present invention, the payment means issuance application information is preferably made to include the customer information of the card issuing customer.

Here, the customer information is personal information of the card issuing customer (for example, customer name, resident registration number, address, wireless terminal information (or mobile number), e-mail address, etc.), and member information of the customer issuing the card issuing server. (E.g., member ID information) is preferably included.

Thereafter, the card issuing server receives and reads the payment means issuing application information from the terminal through the communication network and provides the plurality of financial institutions to the customers based on the customer information included in the payment means issuing application information. The card issuance validity of the issuing of the memory card 200 for providing the payment service using the memory card 200 including the payment means is checked (310).

According to the method of the present invention, the validity check for issuing the memory card 200 to the customer, based on the customer name and social security number included in the customer information through a predetermined real name verification server ( It is preferable to include confirming the real name of the customer in conjunction with (not shown).

In addition, when the payment means included in the memory card 200 includes a credit card, checking the validity of issuing a credit card to the customer as a payment means, establishes a predetermined communication network based on the customer information. It is preferable to include a check through the credit information of the customer in connection with a predetermined credit rating server.

If the validity to issue the memory card 200 to the customer is not authenticated through the payment means issuing application information (315), the server provides card issuing error information to the customer through the card issuing interface. And stop issuing the memory card 200 to the customer.

Here, when the validity of the customer is not authenticated, but only the validity of the credit card issuance is not authenticated, a process illustrated below may be executed through a financial institution except a card company.

On the other hand, if the validity to issue the memory card 200 to the customer through the payment means issuing application information is authenticated (315), the card issuing server is one or more financial information to the customer information included in the payment method issuing application information. By transmitting to the institution server, requesting one or more payment means information available to the customer (325), and receives one or more payment means information provided by the one or more financial institution server (330).

According to an embodiment of the present invention, a target financial institution server for transmitting customer information included in the payment means issuance application information is a server of an affiliated financial institution that provides one or more payment means information to be stored in the memory card 200. It is preferable.

Here, if the financial institution that requests the at least one payment method information by transmitting the customer information is a card company that provides payment method information corresponding to the credit card, the result of validity verification of issuing the credit card to the payment method is performed. Based on the above, it is preferable to request the payment means information by transmitting customer information only when the validity is confirmed.

If the validity of the issuance of the credit card for the customer is not authenticated, it is preferable to request the payment means information for the deactivated credit card for the customer.

Here, when the payment means information is the card information for the credit card or check card or debit card, the payment means information is the card number, expiration date information (may be omitted in some cases) and card issuer information (or code) It is preferable to include at least one.

In addition, the received payment means information is preferably deactivated payment means information, it may be received in an activated state according to the intention and purpose of those skilled in the art.

For example, the card number (although some exceptions exist depending on the card company) preferably includes a four-digit card issuer number, a two-digit card type number, a nine-digit serial number, and one check digit.

The expiration date information may include a period (or an expiration date and time) in which the payment means to be provided in the memory card 200 may be used. If the expiration date does not exist in the memory card 200, it is omitted. It is possible.

The card issuing organization information (or code) is at least one or more unique number (or unique code) assigned to the card issuing institution (or financial company) that issues one or more payment means to be provided to the memory card 200 to the customer It is preferable to comprise.

Alternatively, when the payment means information is account information, the payment means information preferably comprises an account number (or account alias) and at least one or more financial institution information (or code) in which the account is opened.

Thereafter, the card issuing server generates a predetermined memory card 200 having one or more payment means information received from the one or more financial institution servers through a predetermined card issuing device and provides (or delivers) the predetermined memory card 200 to the customer. (335).

Here, the memory card 200 having one or more payment means information issued to the customer is issued through a wireless terminal (not shown) designated by the customer who requested the issuance of the memory card 200 in addition to the card issuing device. May be

If the memory card 200 is issued through a wireless terminal (not shown) designated by the customer, the customer who actually pays the memory card 200 through mail or the like beforehand or visits the card issuer Provides the memory card 200 to the customer, and the customer mounts the memory card 200 in a wireless terminal (not shown), and receives and stores one or more payment means information available to the customer from one or more financial institution servers. It is possible to.

Thereafter, the card issuing server is provided (or issued) to the customer information included in the payment means issuance application information provided from the customer through the card issuing interface, payment means information received from the at least one financial institution server, and the customer. The memory card 200 issuing information including at least one memory card 200 information on the memory card 200 and at least one financial institution information providing the payment means information is stored in the storage medium (340). .

Here, the customer information included in the memory card 200 issuance information includes personal information of the card issuing customer (for example, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.), and Preferably, the customer includes at least one member information (eg, member ID information) subscribed to the card issuing server.

In addition, the memory card 200 information included in the memory card 200 issuance information may include S / N (Serial Number) information of the target memory card 200 provided to the customer (or to be provided) to the memory. It is preferable that the identification information for identifying the memory card 200 provided to the customer, including the unique information about the memory chip provided in the card 200.

In addition, the financial institution information included in the memory card 200 issuance information may include identification information (eg, a trade name for the financial institution, etc.) for a financial institution that provides one or more payment means information to be stored in the memory card 200. Business registration number, corporate registration number, business address, telephone number and the like).

In addition, the payment means information included in the memory card 200 issuance information is one or more payment means information provided by the financial institution, when the payment means information is credit card or check card or debit card information, The payment means information preferably comprises at least one card number, expiration date information (may be omitted in some cases) and card issuer information (or code).

For example, the card number (although some exceptions exist depending on the card company) preferably includes a four-digit card issuer number, a two-digit card type number, a nine-digit serial number, and one check digit.

The expiration date information may include a period (or an expiration date and time) in which the payment means to be provided in the memory card 200 may be used. If the expiration date does not exist in the memory card 200, it is omitted. It is possible.

The card issuing organization information (or code) is at least one or more unique number (or unique code) assigned to the card issuing institution (or financial company) that issues one or more payment means to be provided to the memory card 200 to the customer It is preferable to comprise.

Alternatively, when the payment means information is account information, the payment means information preferably comprises an account number (or account alias) and at least one or more financial institution information (or code) in which the account is opened.

The storage medium provided on the card issuer according to the present invention issues a predetermined memory card 200 to the customer based on the payment means issuing application information provided from the card issuing terminal, and then the memory card ( 200) storing the issuance information of the memory card 200 including at least one of customer information according to the issuance, memory card 200 information, one or more financial institution information, and one or more payment means information provided by each of the financial institutions. The memory card 200 issuance information stored in the storage medium is used for providing a payment service using a memory card 200 including payment means provided by the plurality of financial institutions at the card issuer. .

According to an exemplary embodiment of the present invention, the storage medium is provided in a predetermined DBMS interoperating with a server (or device) that performs a predetermined information processing function using the memory card 200 issuing information on the card issuer. In this case, the location where the storage medium is provided may be variously performed according to the intention of those skilled in the art, and the present invention is not limited thereto.

4 is a diagram illustrating a card issuing process for providing a payment service using a memory card 200 including payment means provided by a plurality of financial institutions according to another exemplary embodiment of the present invention.

In more detail, FIG. 4 shows a non-face-to-face card issuing interface (eg, a client terminal and a communication network including at least one wired terminal / or wireless terminal) in which a predetermined customer in the card issuing system shown in FIG. When the card issuing server is connected to the card issuing server, the predetermined payment means issuance application information is input (or selected) and transmitted, and the card issuing server provides the customer with the plurality of financial institutions based on the payment means issuing application information. As a process for issuing a memory card 200 for providing a payment service using a memory card 200 including a payment means, the present invention is a person having ordinary knowledge in the art of rapid succession, this figure. Payment form using the memory card 200 including payment means provided by the plurality of financial institutions by changing or referring to 4. Various implementation methods for issuing the memory card 200 to provide a service will be inferred service system, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

For example, FIG. 4 illustrates that the memory card 200 is manufactured and provided (or shipped) to the customer, and then stored as the memory card 200 issuance information in the storage medium. According to the process of storing predetermined memory card 200 issuing information in the storage medium is provided to the customer (or delivery) before the memory card 200, or after the memory card 200 is produced It may be carried out before, the present invention is not limited thereby.

Hereinafter, in FIG. 4, the card issuing terminal shown in FIG. 1 is referred to as "terminal" for convenience.

Referring to FIG. 4, the customer connects to a card issuing server shown in FIG. 1 through a predetermined terminal, connects a communication channel for card issuance application, and is provided by the plurality of financial institutions through the communication channel. Application for issuing the memory card 200 for providing a payment service using a memory card 200 including a payment means (400), and correspondingly, the card issuing server is a user for issuing the memory card 200. An interface is generated (or extracted) and provided to the terminal through the communication channel (405).

Thereafter, the terminal receives (or selects) the payment means issuance application information through the user interface and transmits the input (or selected) payment means issuance application information to the card issuing server through the communication channel ( 410).

According to the implementation method of the present invention, the payment means issuance application information is preferably made including the customer information of the card issuing customer.

Here, the customer information is personal information of the card issuing customer (for example, customer name, resident registration number, address, wireless terminal information (or mobile number), e-mail address, etc.), and member information of the customer issuing the card issuing server. (E.g., member ID information) is preferably included.

Thereafter, the server receives and reads the payment means issuance application information from the terminal through the communication network, and the payment means provided by the plurality of financial institutions to the customers based on the customer information included in the payment means issuance information. Check the card issuance validity for issuing the memory card 200 for providing a payment service using the memory card 200 including a (415).

According to the method of the present invention, the validity check for issuing the memory card 200 to the customer, based on the customer name and social security number included in the customer information through a predetermined real name verification server ( It is preferable to include confirming the real name of the customer in conjunction with (not shown).

In addition, when the payment means included in the memory card 200 includes a credit card, the validity check for issuing a credit card to the customer via the predetermined communication network is based on the customer information. In connection with a predetermined credit rating server, preferably comprising the step of confirming the credit information of the customer.

If the validity to issue the memory card 200 to the customer is not authenticated through the payment means issuing application information (420), the server sends the card issuing error information to the customer through the card issuing interface. Provide 425 and stop issuing the memory card 200 to the customer.

Here, when the validity of the customer is not authenticated, but only the validity of the credit card issuance is not authenticated, a process illustrated below may be executed through a financial institution except a card company.

On the other hand, if the validity to issue the memory card 200 to the customer through the payment means issuing application information is authenticated (420), the card issuing server is one or more financial information to the customer information included in the payment method issuing application information; By transmitting to the institution server, requesting one or more payment means information that can be provided to the customer (430), and receives one or more payment means information provided by the one or more financial institution server (435).

According to an embodiment of the present invention, a target financial institution server for transmitting customer information included in the payment means issuance application information is a server of an affiliated financial institution that provides one or more payment means information to be stored in the memory card 200. It is preferable.

Here, when the financial institution that requests the at least one payment method information by transmitting the customer information is a card company that provides payment method information corresponding to the credit card, the validity check result of issuing the credit card to the customer as the payment method. Based on, it is preferable to request the payment means information by transmitting customer information only when the validity is confirmed.

If the validity of the issuance of the credit card for the customer is not authenticated, it is preferable to request the payment means information for the deactivated credit card for the customer.

Here, when the payment means information is the card information for the credit card or check card or debit card, the payment means information is the card number, expiration date information (may be omitted in some cases) and card issuer information (or code) It is preferable to include at least one.

In addition, the received payment means information is preferably deactivated payment means information, it may be received in an activated state according to the intention and purpose of those skilled in the art.

For example, the card number (although some exceptions exist depending on the card company) preferably includes a four-digit card issuer number, a two-digit card type number, a nine-digit serial number, and one check digit.

The expiration date information may include a period (or an expiration date and time) in which the payment means to be provided in the memory card 200 may be used. If the expiration date does not exist in the memory card 200, the expiration date information is omitted. It is possible.

The card issuing organization information (or code) is at least one or more unique number (or unique code) assigned to the card issuing institution (or financial company) that issues one or more payment means to be provided to the memory card 200 to the customer It is preferable to comprise.

Alternatively, when the payment means information is account information, the payment means information preferably comprises an account number (or account alias) and at least one or more financial institution information (or code) in which the account is opened.

Thereafter, the card issuing server generates a predetermined memory card 200 having one or more payment means information received from the one or more financial institution servers through a predetermined card issuing device and provides (or delivers) the predetermined memory card 200 to the customer. (440).

Here, the memory card 200 having one or more payment means information issued to the customer is issued through a wireless terminal (not shown) designated by the customer who requested the issuance of the memory card 200 in addition to the card issuing device. May be

If the memory card 200 is issued through a wireless terminal (not shown) designated by the customer, the customer who actually pays the memory card 200 through mail or the like beforehand or visits the card issuer Provides the memory card 200 to the customer, and the customer mounts the memory card 200 in a wireless terminal (not shown), and receives and stores one or more payment means information available to the customer from one or more financial institution servers. It is possible to.

Thereafter, the card issuing server is provided (or issued) to the customer information included in the payment means issuance application information provided from the customer through the card issuing interface, payment means information received from the at least one financial institution server, and the customer. The memory card 200 issuance information including at least one of the memory card 200 information on the memory card 200 and at least one financial institution information providing the payment means information is stored in the storage medium (445). .

Here, the customer information included in the memory card 200 issuance information includes personal information of the card issuing customer (for example, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.), and Preferably, the customer includes at least one member information (eg, member ID information) subscribed to the card issuing server.

In addition, the memory card 200 information included in the memory card 200 issuance information may include S / N (Serial Number) information of the target memory card 200 provided to the customer (or to be provided) to the memory. It is preferable that the identification information for identifying the memory card 200 provided to the customer, including the unique information about the memory chip provided in the card 200.

In addition, the financial institution information included in the memory card 200 issuance information may include identification information (eg, a trade name for the financial institution, etc.) for a financial institution that provides one or more payment means information to be stored in the memory card 200. Business registration number, corporate registration number, business address, telephone number and the like).

In addition, the payment means information included in the memory card 200 issuance information is one or more payment means information provided by the financial institution, when the payment means information is credit card or check card or debit card information, The payment means information preferably comprises at least one card number, expiration date information (may be omitted in some cases) and card issuer information (or code).

For example, the card number (although some exceptions exist depending on the card company) preferably includes a four-digit card issuer number, a two-digit card type number, a nine-digit serial number, and one check digit.

The expiration date information may include a period (or an expiration date and time) in which the payment means to be provided in the memory card 200 may be used. If the expiration date does not exist in the memory card 200, the expiration date information is omitted. It is possible.

The card issuing organization information (or code) is at least one or more unique number (or unique code) assigned to the card issuing institution (or financial company) that issues one or more payment means to be provided to the memory card 200 to the customer It is preferable to comprise.

Alternatively, when the payment means information is account information, the payment means information preferably comprises an account number (or account alias) and at least one or more financial institution information (or code) in which the account is opened.

The storage medium provided on the card issuer according to the present invention issues a predetermined memory card 200 to the customer based on the payment means issuing application information provided from the card issuing terminal, and then the memory card ( 200) storing the issuance information of the memory card 200 including at least one of customer information according to the issuance, memory card 200 information, one or more financial institution information, and one or more payment means information provided by each of the financial institutions. The memory card 200 issuance information stored in the storage medium is used for providing a payment service using a memory card 200 including payment means provided by the plurality of financial institutions at the card issuer. .

According to an exemplary embodiment of the present invention, the storage medium is provided in a predetermined DBMS interoperating with a server (or device) that performs a predetermined information processing function using the memory card 200 issuing information on the card issuer. In this case, the location where the storage medium is provided may be variously performed according to the intention of those skilled in the art, and the present invention is not limited thereto.

According to the present invention, it is possible to mount and utilize one or more payment means in the memory card, thereby providing convenience that does not require a separate payment means (for example, credit card / check card / debit card, etc.).

According to the present invention, it is possible to mount and utilize at least one payment means on the memory card, thereby providing a convenience to effectively utilize the function of the memory card.

Claims (6)

In the memory card issuing method provided with a plurality of payment means of the memory card issuing server connected to one or more financial institution server, Receiving issuing application information of a memory card loaded with a plurality of payment means information for a payment service using a memory card from a customer terminal; Requesting payment means information by transmitting customer information included in the received application information to one or more financial institution servers; Issuing a plurality of payment means information received from at least one financial institution server in a memory card to issue a memory card; Storing memory card issuance information including customer information, memory card information, one or more financial institution information, and one or more payment means information provided from a financial institution server according to the issuance of the memory card; How to issue a memory card. delete The method of claim 1, The step of requesting payment means information by transmitting customer information included in the received application information to one or more financial institution server, If the financial institution server is a card company server, verifying validity of credit card issuance based on customer information; And Requesting the payment means information by transmitting the customer information that is confirmed to the financial institution server, and if the validity is not confirmed, requesting the deactivated payment means information; the plurality of payments further comprising: Memory card issuing method provided with means. delete A computer-readable recording medium having recorded thereon a program for executing the method of claim 1. In the memory card issuing system provided with a plurality of payment means of the memory card issuing server connected to one or more financial institution server, Means for receiving issuance application information of a memory card loaded with a plurality of payment means information for a payment service using a memory card from a customer terminal; Means for requesting payment means information by transmitting customer information included in the received application information to one or more financial institution servers; Means for issuing a plurality of payment means information received from at least one financial institution server in a memory card to issue a memory card; And means for storing memory card issuance information including customer information, memory card information, one or more financial institution information, and one or more payment means information provided from a financial institution server. Memory card issuing system provided.

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