KR20010086180A - Method for providing financial account number using identification number - Google Patents

Abstract

PURPOSE: A method for providing a payment account number using an Internet identification number is provided to receive a payment account number corresponded to inputted credit card number in realtime when other person inputs a member's credit card number through the Internet. CONSTITUTION: If users, a personal computer, a wireless terminal, and automatic depositing/payment terminal are connected to a web server(S100), a member certifying is processed from a client DB(S102). A user's function calling or not is decided from a payment account calling sensing module to the certified member(S104). If a payment account inquiring function is called, the card number is received by providing card number inputting form to the users from a car number input module(S106). The read card number is transmitted to member bank servers of an extracted member bank through the Internet for requesting a payment account of the corresponding card number(S108). A receiving or not of payment account information being responded from the member bank servers is sensed by a payment account receiving sensing module(S110). If a payment account is not received, a receiving number is sensed continuously. If a payment account is received, the received payment account information is outputted, thus all processes are terminated(S112).

Description

How to provide a payment account number using a unique identification number {METHOD FOR PROVIDING FINANCIAL ACCOUNT NUMBER USING IDENTIFICATION NUMBER}

The present invention relates to a method for providing a payment account number using a unique identification number, and in particular, a credit card number is input by a web server connected to the Internet, and a payment account such as a payment account number and a settlement bank corresponding to the input credit card number. The present invention relates to a payment account number providing method using a unique identification number for searching and outputting information.

Most of the economically active population now open trading accounts to deposit and withdraw deposits or pay for use in financial transactions. To this end, the account holder is issued a cash card or credit card that is settled to the transaction account. In addition, these days, even if it is not a transaction account of the same merchant, issuance of credit cards of other merchants is made, and when issuing such a credit card, a tendency to designate a payment account is required.

However, since the identification number assigned to such a payment account usually uses a different number from the unique identification number of the credit card, it cannot replace the payment account number for the amount used as the credit card number. Therefore, in order to know their payment bank, payment account, and account opening point, the credit card user has to check with the card issuer's counselor in order to know his / her payment bank, payment account and account opening point. .

However, it is not only easy to remember the phone number of the institution that issued the credit card, but for modern people who have two or more credit cards, remember the phone number of each institution that issued the card and pay the user's card. It is difficult to inquire bank and account numbers. In addition, there is a problem in that it is not possible to connect with the card issuing agency counselor because the telephone call is impossible during non-banking hours or public holidays.If the other party sends money to his / her account, the remitter sends his / her credit card number. There was no way to retrieve the payment account to send money online.

The present invention is to solve the above-mentioned problems, when the other party enters his credit card number through the Internet to his account, so that the payment account number corresponding to the input credit card number can be provided in real time The purpose is to provide a method.

In order to achieve the above object, a method of providing a payment account number using a unique identification number of the present invention comprises the steps of receiving a unique identification number through a web server Internet; Analyzing bank related information from the received unique identification number; Selecting a bank server to be transmitted from the analyzed bank related information and transmitting the unique identification number for requesting a payment account number to the selected bank server; And if there is a response to the payment account number request from the bank server, outputting the responded payment account number. In addition, the unique identification number is characterized in that the credit card number.

1 is a network diagram illustrating a method of providing a payment account number using a unique identification number of the present invention;

2 is a flowchart illustrating a payment account number providing method using a unique identification number of the present invention;

3 is a diagram illustrating various modules of the program management module of the present invention by way of example.

*** Explanation of symbols for the main parts of the drawing ***

10: Internet 20: Web Server

30,32: Bank server 40: Customer DB

42: affiliate information DB 44,46: payment account DB

45,47: card number DB 50: user

60: wireless terminal 70: program management module

80: automatic deposit and withdrawal terminal

Hereinafter, with reference to the accompanying drawings will be described in detail a preferred embodiment of the payment account number providing method using a unique identification number of the present invention.

1 is a network diagram illustrating a method of providing a payment account number using a unique identification number of the present invention. As shown in FIG. 1, a method of providing a payment account number using a unique identification number is provided through a web server 20, a bank server 30, 32, and a user 50, 60, 80 via the Internet 10, which is an electronic network. Is connected. In addition, the web server 20 includes various personal information of the customer, for example, a customer DB 40 for recording information such as a customer name, social security number, address, e-mail address, telephone number, etc., and a unique identification number of the customer. Affiliate information For example, the affiliate information DB 42 for recording the affiliate bank information is linked to classify the unique identification number input from the users 50, 60 and 80. The unique identification number may be various card numbers such as a credit card number or a cash card number.

In addition, the web server must be equipped with a web browser that can read web documents and display them on the screen, and utilizes CGI (Common Gateway Interface) programs such as C, PERL, PHP, ASP, JSP, etc. The program must be coded to link the data value input from 80) with an external database.

The bank servers 30 and 32 include a card number DB 45 in which various card numbers of customers are recorded, and a billing account DB 44 which records payment related information on card use such as a payment account and an account opening point. It is linked to perform the requested operation from the web server 20. The users 50, 60, and 80 are wired or wireless terminals connected to the Internet 10, and may be automatic teller machines or wireless communication terminals installed in personal computers, banks, or public places.

3 is a diagram illustrating various modules of the program management module of the present invention controlled by a web server. The program management module 70 may be largely composed of six modules. When the user 50, 60, or 80 calls the payment account function, the payment account function call detection module and the user 50 detect the function call. Card number input module for providing a card input form to receive a variety of card numbers, 60, 80 card number analysis module for extracting card generation affiliate information from the affiliate information DB 42 by analyzing the input card number Receiving a payment account for detecting the payment account information received from the card number transmission module for transmitting the card number input to the affiliated bank server (30,32) using the extracted affiliate information, the bank server (30, 32) It consists of a detection module, a payment account output module for outputting the received payment account to the monitor and the user (50, 60, 80).

Figure 2 is a flow chart for explaining a payment account number providing method using a unique identification number of the present invention, all processes described below will be clear that the web server 20 is performed as a subject unless otherwise described. As shown in FIG. 2, in step S100, the web server 20 is connected from the user 50, 60, 80, that is, the personal computer 50, the wireless terminal 60, and the automatic teller machine 70. In step S102, the member DB 40 goes through a member authentication procedure.

In step S104 for the authenticated member, it is determined whether the user 50, 60, or 80 call the function from the payment account function call detection module. If the payment account inquiry function is called after the determination, step S106 or less is performed. If the payment account inquiry function is not called, the process proceeds to step S114 to perform the selected function and ends.

In step S106, the card number input form is provided to the users 50, 60, and 80 from the card number input module to receive the card number. The card number received in this step may correspond to a unique identification number such as a credit card number, a cash card number or various card numbers distributed in a discount store or a department store.

And the received card number is to extract the card issuing affiliate information, that is, issuing bank information input by the card number analysis module from the affiliate information DB 42. This is possible because a certain number of the card numbers entered contains information about the issuer. For example, if the card number consists of a total of 16 numbers, the numbers 5 and 6 are recognized as a code representing the card issuing bank information to be linked to the affiliate information DB 42 to extract the issuing bank.

The card number thus read is transmitted to the affiliated bank servers 30 and 32 of the extracted affiliate bank through the Internet 10 in order to request a payment account of the corresponding card number in step S108. Of course, this transmission process will be coded to be automatically processed in the card number transmission module of the management program. In the next step (S110) it is detected by the payment account receiving detection module whether the payment account information received from the bank server (30,32).

That is, the bank server (30, 32) receives the card number transmitted in step S108, extracts the matching card number from the card number DB (45, 47), and then the payment account number corresponding to the extracted card number A series of processes for extracting from the payment account DB (44,46) and transmitting to the web server 20 is made in real time.

On the other hand, if the payment account is not received in step S110, the process returns to step S110 again to continue detecting the received signal, and if the payment account is received, proceeds to step S112 and receives the received payment account information. Will terminate all processes. In addition, the output of the payment account information is preferably called by a computer monitor or a wireless terminal LCD screen and the user 50, 60, 80 by e-mail, a mobile phone, etc. so that the contents can be double checked.

Payment account number providing method using a unique identification number of the present invention can be implemented in various modifications within the scope of the technical idea of the present invention is not limited to the above-described embodiment. For example, in addition to the card number, a unique identification number or a unique number for identifying the identity of another person may be applied to the unique identification number, and information provided from the bank servers 30 and 32 may also be applied to the user 50, 60 and 80. It may be able to be selectively limited according to the requirements of the company.

In addition, by inputting the resident registration number, by further providing a function to query all the financial transaction account information for the entered resident registration number, so that the user can check the dormant account or illegal accounts being stolen by others, It may be possible to prevent financial accidents in advance. In addition, by using the instant messenger function that automatically detects when a user who is listed in the program's pre-created list logs on to the network and informs the result, a more effective service can be provided.

According to the payment account number providing method using the unique identification number of the present invention as described above, if you enter the card number with the payment account via the Internet, the payment account number for the easily entered card number without limitation of time and space There is an effect that can be obtained.

Claims (2)

Receiving, by the web server, a unique identification number through the Internet; Analyzing bank related information from the received unique identification number; Selecting a bank server to be transmitted from the analyzed bank related information and transmitting the unique identification number for requesting a payment account number to the selected bank server; If there is a response to the payment account number request from the bank server, a method of providing a payment account number using a unique identification number comprising the step of outputting the response payment account number. The method of claim 1, The unique identification number is a payment account number providing method using a unique identification number, characterized in that the credit card number.