KR20040016771A - Card/account managing system and method of the same - Google Patents

Abstract

PURPOSE: A system for managing a card/account and a managing method thereof are provided to execute an automatic payment by selecting a specific credit card pre-stored in a smart card in order of discount rates, events, and bonuses using a plurality of member store information for a discount profit, a special event, or a special bonus when a commodity price is paid using a specific credit card interlocked in advance. CONSTITUTION: Smart cards(SC1-SCn) include a plurality of credit card information, account information, and client information. A card payment terminal(CSD) reads a plurality of credit card information from the smart cards(SC1-SCn) and includes a key input unit for inputting a payment signal and payment price information, a display unit for outputting various kinds of data, and a communication module. Client terminals(A1-An) are connected to a server which manages a payment of the smart cards(SC1-SCn), register a plurality of credit card information stored in the corresponding smart card, store a web browser therein for inputting credit card payment priority information and include a communication module such as a modem. A card authentication server(CCS) executes an authentication as to the corresponding card in accordance with a payment signal transmitted from the payment terminal(CSD). Credit payment servers(CS1-CSn) execute a credit payment in accordance with a payment signal and payment card information applied through the medium of the card authentication server(CCS) and register no interest allotment information and reserve fund information of a corresponding credit card company to a card payment/management managing server(CSMMS). The card payment/management managing server(CSMMS) register no interest allotment information and reserve fund point information by accessing through the credit payment servers(CS1-CSn), register a plurality of credit card information stored in the smart card through a credit card terminal, set a payment priority thereof, selects a specific credit card in accordance with client setting information when a card payment signal or card information is applied from a member store, and execute a payment process automatically.

Description

Card / Account Management System and Management Method {CARD / ACCOUNT MANAGING SYSTEM AND METHOD OF THE SAME}

The present invention relates to a card / account management system and a management method thereof, and more specifically, a number of special merchant information or credit card installment information provided with discounts and various special events and bonuses when using a specific credit card linked in advance Based on a plurality of credit card information stored in the smart card in advance based on the discount rate, event order, bonus priority, installment information by selecting a specific credit card to make payments, multiple credit cards or banks included in the smart card The present invention relates to a card / account management system and a method of managing the card, a debit card, and the like, capable of selectively restricting its use.

As is well known, due to the recent development of information and communication technology, the development of information providing technology that provides real-time information to various subscribers through at least one host server through a remote data communication network is actively underway.

Based on this, various electronic money has emerged in recent years, and electronic money is a new concept of money to replace cash in the information society. Coins and banknotes are bulky and heavy, so they are inconvenient to use, so as the information society develops, the emergence of electronic money is inevitable.

The characteristics of such electronic money are as follows. First, it should be easy to carry. Second, the third party must not know who bought what at what store. Third, counterfeiting should be difficult.

Electronic money is divided into IC card type and network type according to how the monetary value is stored. IC card type electronic money is called electronic wallet type electronic money. The bank deposit data is transferred to the IC card electronically and paid like cash through the terminal. Such IC card type electronic money cannot be used in e-commerce transactions unless it is compatible with the network type.

Networked electronic money is stored in virtual banks or on customers' computers connected to the Internet. Types include cybercoins and ecash. In particular, eCash was issued by Dutch DigiCash since October 1994 and is the first electronic money to be paid over the Internet. To use ecache, you first use ecache client software to find ecache at your bank, store it on your computer, buy certain items from a store that sells it, and pay for it. The cash is cashier, so the store can offer goods or services right away.

In recent years, a card has appeared to have a dedicated function (for example, a bus-only card, a debit card, a credit card, etc.) according to the payment form of the electronic wallet-type electronic money.

However, such a dedicated function is rather inconvenient that the customer has to carry a large number of cards, in particular because the subscriber does not have a free selective linkage between the desired account and electronic wallet type electronic money is very inconvenient.

That is, because a single account is linked to only a single electronic money, or electronic money that does not link itself, such as a credit card is common, the subscriber is responsible for the usage fee of the bank or credit card company according to the purchase price through the electronic money. It is inconvenient to re-transfer frequently to a specific account when making a payment.

In addition, in the case of a card where a basic authentication process for inputting an authentication password such as a password is omitted, or a card that is pre-filled with cash data such as a transportation card, if the card is lost, the card may be charged up to the amount or credit limit. There is a problem that the amount of damage can be seen.

Recently, a system that allows multiple credit cards to be stored and used on a chip in a single smart card has appeared. The smart card system makes payments through credit settlement or bank transfer according to the order set by the customer at the time of payment. Customers may unknowingly choose payments that do not provide discounts or interest-free installments without paying attention to events given by multiple credit cards or special merchant discounts. There is a problem that can occur.

Generally, in the case of a credit card, a special merchant information for which interest-free installment is discounted is provided through a catalog sent to the customer by the credit card company, but in this case, the customer should carefully look at the catalog. There was a problem that the credit card has to remember the discount or interest-free installment benefits, and to select the relevant card. This inconvenience was the same inconvenience when purchasing goods through electronic commerce.

Therefore, because of the inconvenience, the customer does not try to remember in detail about the installment benefit of the particular credit card or discount benefits of the merchant, there was a problem that the marketing effect or customer acquisition through this is very reduced or difficult.

In addition, in the case of the usage provided by a number of credit card companies, in the state of setting a certain usage for each customer, if the customer wants to use the amount exceeded, payment is impossible. However, in this case, it is very inconvenient to cancel the credit card company for some credit cards that are not frequently used by the customer. There was a problem that could not be raised. Therefore, there is a problem that no countermeasures can be taken for use of the lost card.

On the other hand, in the case of bank card, debit card, securities card, etc., if the management is performed by someone other than the subordinate, the amount of money withdrawn from the card is different from the credit card even if the card is lost. It is common not to compensate for the negligence of my handling, but the problem is that the customer is always exposed to these risks.

Internet banking and web shopping using a credit card generally have a random check security system through an electronic signature.In the case of such an electronic signature, an electronic signature password must be entered separately from the account password. You can make a purchase.

However, when withdrawing cash using a cash card on the offline, anyone can withdraw cash if only the password of the account is known, so there is a problem that various financial accidents occur due to the leakage of the password and the loss of the corresponding cash card.

In particular, when purchasing a specific item using a credit card, there was a problem that more financial accidents occurred due to the reason that the product can be purchased without a separate password verification process. Due to such financial accidents, as well as users, credit card companies spend a lot of money and time to resolve the accident.

In addition, in the case of a general cash card or credit card, the cash payment is made through a user authentication method using only a single password, so that if the user knows only the card and the password of the card, the cash can be paid as much as possible. there was. Therefore, in recent years, there have been attempts to assign a plurality of passwords, but simply giving two passwords is not a fundamental security measure.

Therefore, since the user's trust in the financial security system is gradually decreasing, there is a situation in which threats to safe financial transactions are felt, and measures to increase the reliability of the existing security system are urgently needed.

The present invention has been made in view of the above-described circumstances of the prior art, and uses a plurality of merchant information in which discounts, special events, and special bonuses are given at the time of payment for a product price using a specific credit card that is linked in advance. It is an object of the present invention to provide a card / account management system and a method of managing the same that allow for automatic payment by selecting a specific credit card in the order of discount rate, event order, bonus priority among a plurality of previously stored credit cards.

Another object of the present invention is to pre-set the order of payment of any one of a plurality of credit cards pre-stored in the smart card in a predetermined order to remove the hassle of subscribers or sellers to choose the card / account It is to provide a management system and its management method.

Another object of the present invention is a customer's payment signal for the product price using a smart card pre-stored a plurality of credit card information in connection with the credit card company that updates and registers interest-free installment information or reserve information on a predetermined time basis It is to provide a card / account management system and its management method that automatically selects the best credit card to manage payment.

Another object of the present invention is to register a mobile terminal number when registering the credit card information previously stored in the customer's smart card card / account management system and a management method to receive the optimal card information remotely in the event of a payment situation In providing.

Another object of the present invention is to allow customers to selectively set and release the withdrawal of the card regardless of whether the password of the card, regardless of whether or not the card wearing cash, such as bank cash card, debit card, securities card, etc. It is to provide a card / account management system and a method of managing the same to prevent financial accidents.

Another object of the present invention is to allow the customer to set the use restriction and release to restrict the use of a plurality of credit cards and cash cards linked to the card and account through the card or account after loss It is to provide a card / account management system and its management method to prevent use.

Another object of the present invention is to use a credit card account owned by a specific user even if the card is lost by associating a mobile server with a financial server so that the user can set the withdrawal / use amount arbitrarily using a mobile terminal. The present invention provides a card / account management system and a method of managing the same to prevent illegal use or cash withdrawal by more than a certain amount.

Another object of the present invention is to provide a short-range communication device using a barcode reader and Bluetooth which can transmit the user's account lockout information to a financial server through a window terminal and an ATM terminal to set up a quick account lockout at a window or an ATM terminal. To provide a card / account management system and a management method thereof.

Another object of the present invention is to create a separate authorization number in the financial server for authentication of the user using a mobile terminal that does not use the caller ID service, and to manage the card / account to authorize the user by retransmitting the authorization number of the user The present invention provides a system and a method of managing the same.

Another object of the present invention is to transmit a trading signal from a plurality of securities accounts possessed by a specific user to the user's mobile terminal, and receive the approval signal of the trading to generate a trading signal, thereby generating illegal trading securities. The present invention provides a card / account management system and a method of managing the same to block traffic.

1 is a schematic diagram schematically showing the configuration of a card / account management system according to a first embodiment of the present invention,

Figure 2 is a block diagram showing the configuration of an automatic payment server using a card / account management system according to a first embodiment of the present invention,

3 is a view showing card information of a card / account management system according to a first embodiment of the present invention;

4A and 4B are signal flow diagrams showing signal flows of the card / account management system according to the first embodiment of the present invention;

5 is a view showing the output information after payment of the card / account management system according to the first embodiment of the present invention,

6 is a schematic diagram showing a schematic configuration of a card / account management system according to a second embodiment of the present invention;

7 is a signal flow diagram showing a signal flow of the card / account management system according to a second embodiment of the present invention,

8 is a schematic diagram showing a schematic configuration of a card / account management system according to a third embodiment of the present invention;

9 is a signal flow diagram showing a signal flow of the card / account management system according to a third embodiment of the present invention,

10 illustrates screen data output through a mobile terminal in a card / account management system according to a fourth embodiment of the present invention;

11 is a signal flow diagram showing the signal flow of the card / account management system according to a fourth embodiment of the present invention

12 is a schematic diagram showing a schematic configuration of a card / account management system according to a fourth embodiment of the present invention;

13 is a block diagram showing the configuration of a mobile terminal applied to the card / account management system according to a fifth embodiment of the present invention;

14 is a block diagram showing the configuration of a mobile communication exchange applied to a card / account management system according to a fifth embodiment of the present invention;

15 is a block diagram showing the configuration of a financial server applied to a card / account management system according to a fifth embodiment of the present invention;

16A and 16B illustrate a financial security setting screen of a card / account management system according to a fifth embodiment of the present invention;

17A, 17B, 17C are views showing another financial security setting screen of the card / account management system according to the fifth embodiment of the present invention;

18 is a flowchart illustrating a process of setting up financial security of a card / account management system according to a fifth embodiment of the present invention;

19 is a flowchart showing the signal flow of the card / account management system according to the fifth embodiment of the present invention;

20A and 20B illustrate financial security setting screens through a card / account management system according to a sixth embodiment of the present invention;

21 is a flowchart showing signal flow of the card / account management system according to the sixth embodiment of the present invention;

22A and 22B illustrate financial security setting screens through a card / account management system according to a seventh embodiment of the present invention;

23 is a flowchart showing the signal flow of the card / account management system according to the seventh embodiment of the present invention;

24 is a schematic diagram showing a schematic configuration of a card / account management system according to an eighth embodiment of the present invention;

25 is a flowchart showing the signal flow of the card / account management system according to the eighth embodiment of the present invention;

26 is a block diagram showing the configuration of a financial server applied to a card / account management system according to a ninth embodiment of the present invention;

27 is a flowchart showing the signal flow of the card / account management system according to the ninth embodiment of the present invention;

28 is a block diagram showing a configuration of a financial server applied to a card / account management system according to a tenth embodiment of the present invention;

FIG. 29 is a view showing an authorization number displayed on a screen of a mobile terminal applied to a card / account management system according to a tenth embodiment of the present invention; FIG.

30 is a flowchart showing signal flow of a card / account management system according to a tenth embodiment of the present invention;

Fig. 31 is a block diagram showing the construction of the card / account management system according to the eleventh embodiment of the present invention.

* Description of the symbols for the main parts of the drawings *

SC1 to SCn: smart card, CSD: smart card payment terminal,

A1 to An, HP1 to HPn: customer terminal, CCS: card authentication server,

CS1 ~ CSn: credit settlement server, CSMMS: card payment / management operation server,

116: mobile communication exchange, 117: Bansa server,

118A-118N: financial server.

In order to achieve the above object, according to a preferred embodiment of the present invention a plurality of credit card information, account information, customer information is stored in the smart card; A card payment terminal having a key input unit, a display unit for outputting various data, and a communication module for reading a plurality of credit card information from the smart card and inputting a payment signal and payment information; Access to the server that manages the payment of the smart card, register a plurality of credit card information stored in the smart card, and a web browser is embedded inside to selectively enter the credit card payment priority information and communication, such as a modem A customer terminal equipped with a module; A card authentication server for performing authentication on a corresponding card according to a payment signal transmitted from the smart card payment terminal; A credit settlement server for performing credit settlement according to the authorized payment signal and payment card information through the card authentication server and registering interest-free installment information and reserve information of the credit card company in a card settlement / management operation server; Access interest through the credit settlement server to register interest-free installment information and reserve point information, register a plurality of credit card information stored in the smart card through the customer terminal and set the payment priority information to the card payment signal from the merchant later When the card information is authorized, there is provided a card / account management system, characterized in that it is configured as a card payment / management operation server for automatically performing payment processing by selecting a specific credit card according to the customer setting information.

Preferably, the card payment / management operation server card / account management, characterized in that the interest-free installment information and credit points provided by the credit card company rearranged and registered in the order of the interest-free installment months and the accumulated amount of each credit card A system is provided.

Preferably, the card payment / management operation server is provided with a common gateway interface (CGI) therein to be able to transmit and receive various information by accessing from the card payment terminal, customer terminal, credit settlement server, communication processing unit for performing various signal processing Wow; A member information manager that manages new registration and update of customer information authorized from the customer terminal; A card information manager for managing registration and update of specific smart card information registered by the customer and card information stored therein through the customer terminal; A credit settlement information management unit configured to receive and receive interest-free installment information, point information, and special merchant point information transmitted from the credit settlement server; An affiliated store information management unit configured to manage the seller information of a seller having a card payment terminal that reads the smart card information and generates a payment signal; Interface the payment information and payment card information authorized to the card payment terminal to a credit settlement server, and store various types of authorized or generated information that stores and manages the credit payment information transmitted from the credit settlement server in the format of the terminal or server of the destination. An information processor which suitably performs data processing; A card sorting criteria management unit for setting and managing card sorting criteria such as interest-free installment or reserve amount, discount priority, etc. which are set in advance through the customer terminal; A member DB for storing customer information; A card information DB for storing a smart card registered by the customer and card information embedded in the smart card; A credit settlement information DB for registering credit card company information; A merchant information DB for storing various merchant information; A card selection information DB for storing information of interest-free installment order or accumulated amount order and discount priority order which are the card selection information set by the customer differently for each customer; The customer registers the interest-free installment information and the reserve point information authorized by the credit card company, and registers the smart card information authorized through the customer terminal and a plurality of credit card information stored therein, respectively. When generating a payment signal using the card / account management system, characterized in that consisting of a control unit for performing automatic payment processing according to the pre-registered interest-free information and the reserve point information.

Preferably, the card / account management system is provided, which is embedded in the form of a chip instead of the smart card, a mobile terminal that stores a plurality of credit card information in the chip.

On the other hand, the present invention is the process of the credit settlement server transfers interest-free installment information or reserve point information to the card payment / management operation server and register; A process of the card settlement / management operation server determining and reordering interest-free installment information or reserve point information transmitted from various credit settlement servers; Registering a smart card information and credit card information stored therein by accessing the card settlement / management server through a customer terminal; Reading a card information from a smart card of a customer and sending the card information to a card payment / management operation server in order to pay for a product; Automatically selecting, by the card payment / management operation server, a specific payment card having a long interest-free installment period or a high reserve point based on the card information of the customer; Allowing the card payment / management operation server to make a credit payment based on the selected card information; When the credit settlement is completed, there is provided a card / account management method characterized in that the card payment / management operation server transmits the payment details to the smart card payment terminal.

Preferably, the process of registering the customer card information further comprises the step of selecting and entering whether the customer pays the card selection criteria in the order of interest-free installment priority, or in order of higher reserve points. A card / account management method is provided.

Preferably, the card payment / management operation server transmitting the credit card information registered by the customer to the credit card company; Providing interest-free installment or reserve information to be differentiated for each customer in the credit card company; Upgrading and storing interest-free installment and reserve information for each customer; A card / account management method is provided, further comprising the step of transmitting the stored information to the customer terminal.

Preferably, when the credit card company provides interest-free installments or reserves to be differentiated for each customer, a card / account management method is provided, which may be a case where a customer satisfies a condition that a payment must be made for a predetermined amount or more.

On the other hand, the present invention comprises a smart card that stores a plurality of credit card information, account information, customer information; A smart card payment terminal having a key input unit, a display unit for outputting various data, and a communication module for reading a plurality of credit card information from the smart card and inputting a payment signal and payment information; An affiliated store owner terminal having a web browser embedded therein and equipped with a communication module such as a modem to register event discount information and accumulated discount information for providing to a remote server; Access to the server that manages the payment of the smart card, register a plurality of credit card information stored in the smart card, and a web browser is embedded inside to selectively enter the credit card payment priority information and communication, such as a modem A customer terminal equipped with a module; A card authentication server for performing authentication on a corresponding card according to a payment signal transmitted from the smart card payment terminal; A credit settlement server for performing credit settlement according to an authorized payment signal and payment card information through the card authentication server; Access through the affiliated store owner terminal to register the event discount information and accumulated discount information, register a plurality of credit card information stored in the smart card through the customer terminal and set the payment priority information to the card payment signal from the subsequent merchant and When the card information is authorized, there is provided a card / account management system, characterized in that it is configured as a card payment / management operation server for automatically performing payment processing by selecting a specific credit card according to the customer setting information.

Preferably, when the affiliate store is an internet shopping mall, a dummy terminal, which is a smart card reader for reading a plurality of credit card information from a smart card, is further installed in the customer terminal instead of the smart card payment terminal provided in the affiliate store. A card / account management system is provided.

On the other hand, the present invention is the process of registering by sending event discount information or accumulated discount information to the card payment / management operation server via the merchant terminal; The card settlement / management operation server determining and rearranging the ranking of the event installment information or the discount information transmitted from the plurality of card payment terminals; Registering a smart card information and credit card information stored therein by accessing the card settlement / management server through a customer terminal; Reading a card information from a smart card of a customer and sending the card information to a card payment / management operation server in order to pay for a product; Automatically selecting a payment card from the card payment / management operation server in order of event discount information or accumulated discount amount based on the card information of the customer; Allowing the card payment / management operation server to make a credit payment based on the selected card information; When the credit settlement is completed, transmitting, by the card payment / management operation server, the payment details to the smart card payment terminal; There is provided a card / account management method comprising a process of performing settlement processing with a credit card company for a discounted price of an affiliated store.

On the other hand, the present invention reads a plurality of credit card information from the customer's smart card, the display unit and the communication module for outputting the text and image information on the screen to provide the payment signal and payment information to the remote server is provided A built-in card payment terminal; In order to register a plurality of credit card information stored in the smart card by accessing the remote server that manages the payment of the smart card and to selectively input the credit card payment priority information in advance, a web browser is provided inside and a modem or the like is provided. A customer terminal equipped with a communication module; A card authentication server for performing authentication on a corresponding card according to a payment signal transmitted from the card payment terminal; First to N-th credit settlement servers receiving credit signals and payment card information authorized through the card authentication server to perform credit settlement; A database for storing each member information, card information registered by the member, interest-free installment information registered by the credit card company, and reserve point information is provided, and smart card information authorized through the customer terminal and a plurality of credit cards stored therein are provided. The information is stored in association with each other, and according to the customer's payment signal, the payment is automatically processed in the order of the long interest-free installment period or the more reserve points according to the pre-registered interest-free information and the reserve point information. A card payment / management operation server for processing a customer to change and register a predetermined card payment standard according to key signals authorized through various terminals; Receives information on interest-free installment information of each credit card company registered in the card payment / management server, reserve information, and information on a predetermined card payment standard, and outputs the screen, and the card preset in the card payment / management server There is provided a card / account management system, characterized in that it is composed of a mobile terminal that enables registration of a change of payment criteria.

Preferably, the information output through the mobile terminal is a corresponding mobile terminal number, the entire registration card information, interest-free installment or reserve amount information for each registration card, currently set payment card information, server access number information for resetting A card / account management system is provided.

On the other hand, the present invention is the process of the credit settlement server transfers interest-free installment information or reserve point information to the card payment / management operation server and register; A process of the card settlement / management operation server determining and reordering interest-free installment information or reserve point information transmitted from various credit settlement servers; Registering a smart card information and credit card information stored therein by accessing the card settlement / management server through a customer terminal; Reading a card information from a smart card of a customer and sending the card information to a card payment / management operation server in order to pay for a product; Accessing a server using a mobile terminal to reset a payment card condition; Automatically selecting, by the card payment / management operation server, a specific payment card having a long interest-free installment period or a high reserve point based on the card information of the customer; Allowing the card payment / management operation server to make a credit payment based on the selected card information; When the credit settlement is completed, the card payment / management operation server is provided with a card / account management system, characterized in that the process consisting of transmitting the payment details to the smart card payment terminal.

A first approval means configured to constitute a financial server or a bansa server to generate an approval signal by performing authentication of a corresponding card when a use approval request signal is generated from an ATM or an affiliated card payment terminal; In addition to the primary approval means, the mobile terminal is configured to generate an approval signal for the use of the account or card set by the user. Secondary approval means for generating a signal; Register the account or card designated by the user in advance through the second approval means, perform lock setting / release setting of the account or card designated through the second approval means, and use the card or account use signal from the first approval means. In the case of a card or an account that has been received and locked, the SMS, which is query data about whether the user is approved, is transmitted to the second approval means, and the response data is received and transmitted to the first approval means so that the account or card can be used. Approval setting means; Card comprising a data communication means for transmitting and receiving various data, consisting of a mobile communication base station, a mobile communication relay station, and a mobile communication control station interposed between the first approval means, the second approval means, and the approval setting means. An account management system is provided.

Preferably, the secondary approval means includes a plurality of inputs for inputting the other party's telephone number, input of characters for the creation of a text message, selection of various menu functions for card selection, and approval of their use according to a user's selection operation. A function key button having a function key button for creating code information for the corresponding card use approval by performing a selection key input for a short message on the transmitted card use approval request; A mode setting key button for executing the lock setting mode for card use approval, a registration key button used in combination with a # key button for registering lock setting and release in the corresponding lock setting mode, and a display on the display unit. A key input unit including an up / down key button for selecting an account and a lock setting / release menu, and a number key button for inputting a password at lock setting / release; Display of the account number and financial company information according to the function operation state of the key input unit, and visually display the display state or selection state of the lock setting and release setting mode for the account, and approves the use of the card transmitted from the mobile communication exchange. A display portion made of thin display means such as, for example, a liquid crystal display element for visually displaying the request message; A duplexer for separating a transmitted / received signal by performing wireless communication with a base station of a mobile communication network through the antenna; A receiving unit which receives voice signals or text information from a mobile communication terminal, a wired telephone terminal or a mobile communication exchange on the other side through the antenna and the duplexer; A transmission unit for filtering and amplifying a voice signal input from the microphone and code information set according to an account lock setting / release mode so as to be transmitted; A voice processor for processing a voice signal received from the other party received through the receiver to be output through the speaker, and processing a voice signal of the user received from the microphone to output the signal to the transmitter; A code data table for account data for account lock setting and code information table for selection information for account lock setting / cancellation setting, and a memory interworked with a processor for account lock setting / cancellation setting; Under the execution of the account lock setting / release setting mode by the key operation of the key input unit, code information for the account lock setting / release setting selected by the key input unit is created through the code information table from the memory and the remote server is executed. Provided is a card / account management system, characterized in that consisting of a control unit for transmitting.

More preferably, the permission setting means includes an authentication center for authenticating the legal use of each mobile terminal; The mobile communication base station processes the call generated from the mobile terminal through the mobile communication relay station and the mobile communication control station, and receives the card use approval request information in association with the bansa server and the financial server to receive an additional card. A connection exchange unit which performs a data interface for transmitting the use approval request information; A network connection module for forming a call path of the mobile terminal by translating the number of the mobile communication terminal, and receiving the account lock setting / release setting information for the card use approval; A number translation processor for performing number translation to search for an account associated with the mobile terminal by interpreting information on the account lock setting / release setting received from the mobile terminal and the number of the mobile terminal; An SMS processing processor configured to perform SMS generation processing for creating a SMS and inquiring a user of information on a card use approval request received from the bansa server and the financial server; A code processing processor for receiving code data on the account lock setting / release setting from the mobile terminal and processing the code together with the mobile terminal number; A data interworking processor performing data interworking with the bansa server and the financial server and data interworking processing for each user account in order to receive card use approval request information in connection with the bansa server and the financial server; It is to control various functions related to call connection and data transmission / reception including the call path setting of the network connection module, and recognizes the code information and the mobile terminal number transmitted from the mobile terminal performing the account lock setting / release setting. A central control module for storing in the information storage unit and controlling to set or release the lock on the corresponding corresponding account and transmit the information to the bansa server and the financial server; While receiving and storing the code information transmitted from the mobile terminal that performs the account lock setting / release setting, and storing the account information for each user, and stores a text message for the card use approval request information from the Bansa server and the financial server A card / account management system is provided which comprises an information storage.

Preferably, the first approval means is connected to the authorization setting means to transmit an SMS of card use authorization information for the mobile terminal, and perform a data interface for receiving code information on the card use authorization from the mobile terminal. An interface unit; A connection module for transmitting / receiving various card use approval-related data by performing connection with the permission setting means through the interface unit; A code interpretation processor for creating and transmitting code information about a card use approval to the mobile terminal and interpreting a code for the card use approval authorized from the mobile terminal; A lock setting processor for executing the account lock setting and the release of the account or card information of the pre-registered user in accordance with the code interpretation of the card use authorization analyzed by the code analysis processor; An SMS generation processor for creating a text message for transmitting the information to the mobile terminal of the user, when an authorization request signal for card use is received from an ATM terminal or a bansa server; An account management processor which classifies and manages a plurality of accounts or cards registered by a user for each user, and manages the approval of the use of the account or the card in association with the lock setting processor; An information storage unit which stores card or account information for each user's mobile terminal number, and stores code information for permission of use of the card or account and lock setting information of the card or account set by the user; Receives the card approval request signal generated from various card payment related terminals (such as merchant card payment terminal or ATM), sends card use approval request information to SMS to the mobile terminal of the user who is the card holder, and sends a response signal. A card / account management system is provided which comprises a central control module for accepting card use upon receipt.

Preferably, the card / account management system is provided in the SMS for the request for approval of the use of the card to the mobile terminal, further including shipment control packet data automatically re-sent to the financial server according to a user's confirmation button operation. .

On the other hand, the present invention comprises the steps of using a mobile terminal to interlock the card or account of a specific user established in the financial server or bansa server linked to the mobile communication exchange to enable remote lock setting; Receiving a request for approval of the use of a card or account to the financial server or the bansa server; A first approval process for authenticating the card or account; Requesting the mobile communication exchange for second use authorization of the card or account; Determining whether a lock is set on the card or account; When the lock is set, transmitting a short message on whether to release the lock to the mobile terminal of the user; There is provided a card / account management method comprising a process of generating a second approval signal by a user unlocking a corresponding card or account using a mobile terminal.

Preferably, if the lock is not set to the card or account of the user in the mobile communication exchange, the card / account management, characterized in that further comprising the step of generating a second approval signal itself regardless of the user's approval A method is provided.

Preferably, the process of generating the second approval signal by the user unlocking the corresponding card or account using the mobile terminal may include: inputting a separate password different from the password of the card or account; Selecting an account or card for unlocking; There is provided a card / account management method further comprising the step of selecting a menu for unlocking and setting.

Preferably, the process of unlocking the amount of money withdrawable / usable from the card or account using the mobile terminal; Transmitting a second approval request signal and a usage amount information from a financial server or a bansa server; Determining whether a lock of the account or card is set; Determining whether the corresponding usage amount is larger than the lock setting amount; There is provided a card / account management method further comprising the step of generating a second approval signal.

Preferably, the step of releasing the lock on the use of the amount of money by setting a certain amount of the card or account using the mobile terminal comprises: releasing the lock on the daily use amount; There is provided a card / account management method, which may further include a step of updating the lock on the daily use amount daily so as to be released.

On the other hand, the present invention consists of a financial server or bansa server when the authorization request signal is generated from the ATM or merchant card payment terminal, the authentication of the card is generated to generate an authorization request signal, generating a barcode for approval of the user Primary approval means configured to be interlocked with the bar code reader and the short-range communicator to receive an approval signal for approval or not by transmitting to the mobile terminal; In addition to the first approval means, the mobile terminal is configured to generate an approval signal for use of an account or a card set by the user, and receives the barcode information for approval and approval request signal for approval or not. Secondary approval means for reading the approval bar code for the card or the account to the barcode reader for the approval or generating the approval signal through short-range communication; Register the account or card designated by the user in advance through the second approval means, perform lock setting / release setting of the account or card designated through the second approval means, and use the card or account use signal from the first approval means. Approval setting means for receiving and transmitting the approval request signal to the second approval means and transmitting the approval signal transmitted from the second approval means to the first approval means; Card comprising a data communication means for transmitting and receiving various data, consisting of a mobile communication base station, a mobile communication relay station, and a mobile communication control station interposed between the first approval means, the second approval means, and the approval setting means. An account management system is provided.

Preferably, the primary approval means is connected to a mobile communication switch and transmits the card use authorization information for the mobile terminal, and the interface unit for performing a data interface for receiving the code information for the card use authorization from the mobile terminal; ; A connection module for transmitting / receiving various card use approval-related data by performing connection with a mobile communication switch via the interface unit; A code interpretation processor for creating and transmitting code information about a card use approval to the mobile terminal and interpreting a code for the card use approval authorized from the mobile terminal; A lock setting processor for executing the account lock setting and the release of the account or card information of the pre-registered user in accordance with the code interpretation of the card use authorization analyzed by the code analysis processor; An authentication bar code generation processor for generating an authentication bar code that can unlock the corresponding account by reading from a bar code reader provided in the ATM terminal or the window terminal; An authentication barcode generation processor for generating a unique authentication barcode linked to the user's personal information, account number, and mobile terminal number; An account management processor which classifies and manages a plurality of accounts or cards registered by a user for each user, and manages the approval of the use of the account or the card in association with the lock setting processor; Card or account information for each user's mobile terminal number is stored, code information for approval of use of the card or account, approval barcode information, and information for storing the lock setting information of the card or account set by the user. A storage unit; Receives card and account approval request signals generated from various card payment related terminals, and sends card and account use approval request information to the mobile terminal (HP1, HP2) of the user who is the card holder. A card / account management system is provided, characterized in that the central control module is configured to receive and unlock an account of the user.

Preferably, the primary approval means has an authorization number generation processor for generating a unique authorization number for each user so that the user can enter the same authorization number through the mobile terminal (HP1) and retransmit the corresponding user. A card / account management system is further provided.

In addition, the present invention provides a process for interlocking a card or account of a specific user established in a financial server or a bansa server linked to a mobile communication exchange using a mobile terminal to enable remote lock setting; Generating a unique barcode for each user in the financial server and transmitting the generated barcode to the mobile terminal of the corresponding user; Receiving a request for approval of the use of a card or account to the financial server or the bansa server; A first approval process for authenticating the card or account; Requesting the mobile communication exchange for second use authorization of the card or account; Reading a corresponding barcode for approval in the barcode reader provided in the window or the ATM terminal; Comparing the corresponding barcode for approval read from the mobile terminal with the barcode for approval linked to the card / account generating the approval request signal; There is provided a card / account management method comprising a process of generating a second approval signal by releasing the lock of the card or account.

Preferably, the secondary approval means is equipped with a Bluetooth chip for generating a unique approval signal instead of storing a barcode for approval therein, and the approval generated from the corresponding Bluetooth chip in conjunction with a near field communication device in the primary approval means. A card / account management system is provided which is capable of receiving a signal.

EMBODIMENT OF THE INVENTION Hereinafter, 1st Embodiment of this invention is described in detail with reference to drawings.

1 is a schematic diagram showing the configuration of a card / account management system according to a first embodiment of the present invention.

Referring to this, the card / account management system according to the first embodiment of the present invention includes a smart card (SC1 to SCn) having a plurality of credit card information embedded therein capable of payment of a product price or a service price at an affiliated store. When a payment is made using the system, the system automatically allows a particular payment card to be selected and paid even if the customer or the merchant does not select any payment card among a plurality of cards stored in the smart cards SC1 to SCn.

That is, in this case, the card selection criteria is preferably interest-free installment information or reserve information provided by the credit card company. For example, the credit card company transmits interest-free installment information, reserve information, and various event information, which are the criteria for payment card selection, among a plurality of cards stored in the customer's smart cards SC1 to SCn to the management server, and the customer sends the corresponding server to the server. By registering a plurality of credit card information stored in the access owned smart cards (SC1 to SCn), and entering the detailed payment card selection information, the automatic payment card selection and payment is differentiated for each customer when the card is used later.

In this case, the customer can enter the information that is the basis for the selection of a more detailed payment card, for example, to select the card in the interest-free installment order, the payment card in the order of the amount of the accumulated amount, or the interest-free installment order. In the case of a non-interest installment of the interest-free installment (for example, 6 months), it is possible to select in advance how many months (for example, 3 months) interest-free installment is to be set.

The management server that manages card payment selects the optimal credit card by judging the credit card information stored in the customer's smart card (SC1 to SCn) based on interest-free installment information and reserve information provided by the credit card company. The installment information and the reserve information are provided to the merchant along with the selected payment card information so that the merchant owner or the customer can recognize it, the automatic payment processing can be performed, and the card information provided to the merchant is recognized. A merchant card or a customer can manually select a payment card.

Therefore, in the card / account management system according to the first embodiment of the present invention, a plurality of credit card information is read from the smart cards SC1 to SCn of the customer, and the payment signal and the payment price information are input to the remote server. To this end, a display unit (not shown) for outputting text and image information therein and a card payment terminal (CSD1 to CSDn) having a built-in communication module are provided.

In addition, by accessing a remote server that manages payment of the smart card, a plurality of credit card information stored in the smart cards SC1 to SCn can be registered, and the credit card payment priority information can be selectively input in advance. Customer terminals A1 to An equipped with a browser and equipped with a communication module such as a modem are provided.

On the other hand, the card authentication server (CCS) is provided to perform authentication for the card in accordance with the payment signal transmitted from the card payment terminal (CSD), the authorized payment signal and payment through the card authentication server (CCS) First to Nth credit settlement servers CS1 to CSn for receiving credit information and performing credit settlement are provided.

In addition, the card / account management system according to the first embodiment of the present invention is a database for storing each member information and card information registered by the member, interest-free installment information registered by the credit card company and reserve points information (DB1, DB2) is provided with a card payment / management operation server (CSMMS), the card payment / management operation server (CSMMS) is registered interest-free installment information and reserve point information from the credit settlement server (CS1 ~ CSn) Then, smart card information authorized through the customer terminals A1 to An and a plurality of credit card information stored therein are stored in association with each other. In this state, when the customer generates a payment signal using the smart card, the payment is automatically processed in the order of the long interest-free installment period or the more reserve points according to the registered interest-free information and the reserve point information.

In addition, the smart cards SC1 to SCn illustrated in the card / account management system according to the first embodiment of the present invention may be embedded in a chip form in a mobile terminal, and the functions and operations thereof are illustrated in the present invention. The same or similar cases as the cards SC1 to SCn can be said to be included in the present invention regardless of their form.

2 is a block diagram showing the configuration of a card payment / management server in the card / account management system according to the first embodiment of the present invention.

Referring to this, the card settlement / management operation server (CSMMS) is a communication processing unit, member information management unit, card information management unit, credit settlement information management unit, merchant information management unit, information processing unit, card selection criteria management unit, various DB, control unit It consists of.

More specifically, reference numeral 2 designates a common gateway interface (CGI) therein for accessing the card payment terminal (CSD), the customer terminals (A1 to An), and the credit settlement servers (CS1 to CSn) to transmit and receive various types of information. And a communication processing unit that performs various signal processing.

Further, reference numeral 4 denotes a member information management unit that manages new registration and update of customer information authorized from the client terminals A1 to An, and reference numeral 6 denotes a customer via the customer terminals A1 to An. A card information management unit which manages the registration and update of the registered specific smart card information and the card information stored therein.

Reference numeral 8 denotes a credit settlement information management unit for receiving registration and update management by receiving interest-free installment information, point information, and special merchant point information transmitted from the credit settlement servers CS1 to CSn, and reference numeral 10 denotes the smart. A merchant information management unit for managing seller information of a retailer equipped with a card payment terminal (CSD) that reads card information and generates a payment signal.

Reference numeral 12 interfaces payment information and payment card information authorized by the card settlement terminal (CSD) to credit settlement servers CS1 to CSn, and stores credit settlement information transmitted from the corresponding credit settlement servers CS1 to CSn. An information processing unit for performing data processing suitably on the format of a terminal or a server of a transfer destination for various types of authorized or generated information to be managed.

Reference numeral 14 denotes a card sorting standard managing unit that manages setting of card sorting criteria such as interest-free installment or saving amount, discount priority, etc., which are set in advance through the customer terminals A1 to An.

Reference numeral 16a denotes a member DB for storing customer information. 16b shows a card information DB for storing the smart card registered by the customer and the card information embedded in the smart card. 16c represents a credit settlement information DB for registering credit card company information. 16d represents an affiliate store information DB for storing various affiliate store information. 16e represents a card selection information DB that stores information, such as interest-free installment, accumulated amount, and discount priority, which are card selection information set by a customer.

Reference numeral 18 registers interest-free installment information and reserve point information authorized by a credit card company, and registers the smart card information authorized through the customer terminals A1 to An and a plurality of credit card information stored therein, respectively. In this state, when the customer generates a payment signal using the smart card, the control unit performs automatic payment processing according to pre-registered interest-free information and reserve point information.

For example, the credit card stored in the customer's specific smart card is ○ ○ credit card, credit card, △△ credit card, interest-free installment ○ ○ credit card 2 months, ∇∇ credit card 6 months, △△ credit If the card does not perform an interest-free installment event, the control unit 18 executes the automatic payment processing by using the ▽▽ credit card.

In addition, even if each interest-free installment is different depending on the product, the interest-free installment information is registered in the credit settlement information management unit 8 for each product or product line so as to be automatically settled. On the other hand, if the customer registers the information without the interest-free installment payment and wishes to make the payment in the order of the cards with the higher reserve points, the payment points are processed in the order of the higher the reserve points regardless of the registered interest-free installment information. If credit points are different for each credit card company (e.g., ▽▽ credit card company: 1000 points = 10,000 won, ○ ○ credit card company: 1000 points = 5000 won), the credit card company's reserve points are converted to the same face value and registered. It is desirable to.

3 is a diagram schematically illustrating a card sorting process of the card / account management system according to the first embodiment of the present invention.

Referring to this, card information registered in the card information management unit 6 of the card payment / management operation server (CSMMS) is linked with the card selection criteria management unit 14 as shown in FIG. Among the plurality of credit card information 22a, 22b,... 22n stored in the chip 20 in SC), a specific credit is filtered by the card selection reference area 24 of the card selection criteria management unit 14. The card 22b is automatically selected.

As described above, the card selection process satisfies the card selection criteria according to the card selection criteria information (for example, priority of reserve) set by the customer and provides the maximum benefit to the card (for example, the accumulated amount is maximum). Card), and automatically generates a payment request signal using the card.

Hereinafter, the functions and operations of the card / account management system according to the first embodiment of the present invention having the above-described configuration will be described in detail with reference to the accompanying drawings.

4A and 4B are signal flow diagrams showing signal flows of the card / account management system according to the first embodiment of the present invention.

4A is a diagram illustrating a process of registering a smart card and performing an automatic payment process, and FIG. 4B is an automatic payment process by selecting a specific card by providing installment information and reserve information from a credit card company so as to be differentiated for each member when registering the card. A diagram illustrating a process of performing the process.

First, the credit settlement server CS1 to CSn registers the card payment / management operation server (CSMMS), registers interest-free installment information or reserve information to the card payment / management management server (CSMMS). Let's do it. Then, the card settlement / management operation server (CSMMS) determines the rank of interest-free installment information or reserve point information transmitted from various credit settlement servers (CS1 ~ CSn) and rearranges.

In this state, the customer registers with the card settlement / management operation server (CSMMS) via the customer terminals A1 to An, and registers the smart card information and the credit card information stored therein. At this time, the customer enters the set payment conditions for whether to pay in the interest-free installment priority order, or in order of high reserve points.

After the registration of the customer's card information is completed, the customer provides the corresponding smart card (SC) as a payment for goods at the merchant, and the card information / payment from the smart card (SC) through the smart card payment terminal (CSD) When the card is transmitted to the management operation server (CSMMS), the card payment / management operation server (CSMMS) automatically selects a specific payment card having the highest ranking based on the card information of the customer, for example, a long interest-free installment period or a high reserve point. Choose.

The card settlement / management operation server (CSMMS) transmits the selected card information to the card authentication server (CCS) to perform card authentication. When authentication is completed, the card settlement / management operation server (CSMMS) corresponds to the credit settlement servers (CS1 to CSn). Send the information to make a credit payment.

When the credit settlement is completed, the credit settlement server (CS1 ~ CSn) transmits the payment confirmation information to the card payment / management operation server (CSMMS), the card payment / management operation server (CSMMS) to the corresponding payment details Save it. The card payment / management operation server (CSMMS) transmits the payment confirmation information to the smart card payment terminal (CSD) to confirm the payment to the payer.

Referring to FIG. 4B, first, the credit settlement servers CS1 to CSn register members with the card settlement / management server CSMMS, and perform interest-free installment information or reserve point information on the card settlement / management server ( CSMMS) to register. Then, the card settlement / management operation server (CSMMS) determines the rank of interest-free installment information or reserve point information transmitted from various credit settlement servers (CS1 ~ CSn) and rearranges.

In this state, the customer registers with the card settlement / management operation server (CSMMS) via the customer terminals A1 to An, and registers the smart card information and the credit card information stored therein. At this time, the customer selects and enters in the order of interest-free installment priority or the order in which the reserve points are the highest.

When the card information registration of the customer is completed, the card payment / management operation server (CSMMS) transmits the card registration information of the customer to the credit settlement servers (CS1 to CSn) of the card company corresponding to the card information registered by the customer. Accordingly, the credit settlement servers CS1 to CSn receive the customer's card registration information and provide differentiated interest-free installment information or differentiated reserve information for each customer in consideration of the creditworthiness of the corresponding customer.

Interest-free installment information or reserve information differentiated for each customer provided by the credit settlement server (CS1 ~ CSn) is registered in the card payment / management operation server (CSMMS). At this time, the interest-free installment information or reserve information provided from the credit settlement servers CS1 to CSn may be differentially linked in connection with the credit to the customer as well as the price to be paid by the customer. In other words, the benefits provided by the credit settlement servers CS1 to CSn may be provided on condition that a customer purchases more than one item. That is, conditional interest-free installment or reserve benefits.

The card payment / management operation server (CSMMS) provides conditional interest-free installment information or reserve information to the customer terminals A1 to An so that the customer recognizes the conditional interest-free installment information or reserve information and operate the card payment / management. The card payment conditions set in the server (CSMMS) can be reset.

If the customer resets the card payment condition, the priority card setting criteria registered in the card payment / management operation server (CSMMS) is changed.

In this state, the customer provides the smart card (SC) as a payment for goods at the merchant, and the card information from the smart card (SC) through the smart card payment terminal (CSD) card payment / management operation server (CSMMS) ), The card payment / management operation server (CSMMS) reads the customer registration card information according to the transmitted card information and has the highest ranking based on the card information of the customer, for example, long interest-free installment period or reserve A particular payment card with a high point is automatically selected by the card settlement / management operation server (CSMMS).

The card settlement / management operation server (CSMMS) transmits the selected card information to the card authentication server (CCS) to perform card authentication. When authentication is completed, the card settlement / management operation server (CSMMS) corresponds to the credit settlement servers (CS1 to CSn). Send the information to make a credit payment.

When the credit settlement is completed, the credit settlement server (CS1 ~ CSn) transmits the payment confirmation information to the card payment / management operation server (CSMMS), the card payment / management operation server (CSMMS) to the corresponding payment details Save it. The card payment / management operation server (CSMMS) transmits the payment confirmation information to the smart card payment terminal (CSD) to confirm the payment to the payer.

EMBODIMENT OF THE INVENTION Hereinafter, the 2nd Example of this invention is described in detail with reference to drawings.

5 is a schematic diagram showing a schematic configuration of a card / account management system according to a second embodiment of the present invention.

Referring to this, the card / account management system according to the second embodiment of the present invention uses a smart card (SC1 to SCn) incorporating a plurality of credit card information capable of payment for a product on an internal chip to make a corresponding smart card ( Automatically selects a separate payment card stored in SC1 to SCn).

The card selection criteria in this embodiment is preferably event installment information (one-time installment information) or accumulated installment information provided by a specific online shopping mall. That is, the specific online shopping mall owner provides the event installment information or the installment installment information, which is the basis for payment card selection, among the plurality of cards stored in the customer's smart cards SC1 to SCn to a remote server which will be described later. By registering the credit card information stored in the owned smart card (SC1 to SCn) and entering the detailed payment card selection information, the payment card selection and payment using the card is automatically performed when the corresponding card is used later.

In addition, the remote server that manages the card payment stores the event installment information or payment installment information provided from the online shopping mall owner, and the customer pays for the price of goods or services of the online shopping mall using the smart card (SC1 ~ SCn) When doing so, the payment card may be manually selected by providing pre-stored event installment information or accumulated installment information to a customer or an online shopping mall.

If the customer has set up automatic payment registration in advance, the remote server is based on one of a plurality of credit cards stored in the customer's smart card (SC1 to SCn) based on the event installment information or the accumulated installment information that the online shopping mall owner pre-registered. Automatically select your credit card to process your payment.

To this end, the card / account management system according to the second embodiment of the present invention includes dummy terminals D1 to Dn, which are smart card readers for reading a plurality of credit card information from the customer's smart cards SC1 to SCn. And a display unit (not shown) for outputting text and image information therein to provide a remote server by inputting a payment signal, payment price information and automatic payment information (not shown) and a customer terminal (A1 to An) with a built-in communication module. Is provided.

In addition, a communication module is provided to register event installment information or installment installment information to be provided when purchasing goods or services of a corresponding shopping mall in a remote server in a plurality of online shopping malls, and a web browser for outputting various information is built-in. And first to Nth Internet shopping mall servers (OSS1 to OSSn) storing various kinds of product information.

On the other hand, the card authentication server (CCS) for performing the authentication for the card in accordance with the payment signal transmitted from the customer terminals (A1 to An) is provided, and the authorized payment signal through the card authentication server (CCS) and First to Nth credit settlement servers CS1 to CSn for receiving credit card information and performing credit settlement are provided.

In this case, the payment processing of the customer terminals A1 to An may be processed by the Internet shopping mall servers OSS1 to OSSn. In this case, the payment algorithm is the credit settlement servers CS1 to CSn and the card certificate server CCS. ) May be used for payment processing. Since the technology in this case is also a known payment technology, detailed description thereof will be omitted.

In addition, the card / account management system according to a second embodiment of the present invention has a database (DB1, DB1) for storing each member information and card information registered by the member, event installment information registered in the online shopping mall and accumulated installment information therein. DB2) is provided with a card payment / management operation server (CSMMS; the remote server), the card payment / management operation server (CSMMS) is the authorized event installment information and accumulated from the Internet shopping mall server (OSS1 ~ OSSn) The installment information is registered and stored in association with the smart card information authorized through the customer terminals A1 to An and a plurality of credit card information stored therein. In this state, when the customer generates a payment signal using the smart card, the automatic payment processing is performed in order of the event installment information or the accumulated installment information according to the event installment information and the accumulated installment information.

Hereinafter, the functions and operations of the card / account management system according to the second embodiment of the present invention having the above-described configuration will be described in detail with reference to the accompanying drawings.

6 is a signal flow diagram showing a signal flow of the card / account management system according to a second embodiment of the present invention.

First, the Internet shopping mall server (OSS1 ~ OSSn) is a member registration to the card payment / management operation server (CSMMS), select a specific card and the event payment information or installment payment information limited to the card payment / card payment / Register by sending to management operation server (CSMMS). Then, the card settlement / management server CSMMS determines the rank of event installment information or accumulated installment information transmitted from specific online shopping mall servers OSS1 to OSSn and rearranges them according to the rank.

In this case, there may be a separate contract between the online shopping mall and the credit card company. For example, if the sales of the online shopping mall are used as a specific credit card, and the sales of the credit card are more than a certain amount, the discount amount of the online shopping mall from the card company. You can contract to pay a certain percentage of. In this case, since the contract-related content is not the gist of the exemplary embodiment of the present invention, a detailed description thereof will be omitted.

When the rearrangement is completed in the card settlement / management server (CSMMS), the card settlement / management server (CSMMS) provides discount information of the online shopping mall to the credit settlement servers (CS1 to CSn) for registration. Bar, this process can be omitted, the payment can be sent to the credit card server (CS1 ~ CSn) from the card payment / management operating server (CSMMS) in the future when the customer pays the card.

In this state, the customer registers with the card settlement / management operation server (CSMMS) via the customer terminals A1 to An, and registers the smart card information and the credit card information stored therein. At this time, the customer should select in advance whether to select an event installment (immediately, installment application) or earning installment (installation after the installment) to set up automatic payment.

After the registration of the card information of the customer is completed, if the customer desires to pay through the smart card (SC) as the payment price of the product to the online shopping mall, the customer is the dummy terminal (D1) provided in the customer terminals (A1 to An) Smart card (SC) information is read through ˜Dn, and payment information is input to the customer terminals A1 to An and transmitted to the card settlement / management operation server (CSMMS).

Then, the card payment / management operation server (CSMMS) automatically selects a specific payment card having the highest ranking, for example, the largest event discount rate or the highest accumulated discount amount, based on the card information of the customer.

The card settlement / management operation server (CSMMS) transmits the selected card information to the card authentication server (CCS) to perform card authentication. When authentication is completed, the card settlement / management operation server (CSMMS) corresponds to the credit settlement servers (CS1 to CSn). Send the information to make a credit payment.

When the credit settlement is completed, the credit settlement server (CS1 ~ CSn) transmits the payment confirmation information to the card payment / management operation server (CSMMS), the card payment / management operation server (CSMMS) to the corresponding payment details Save it. The card payment / management server CSMMS transmits the payment confirmation information to the customer terminals A1 to An and the online shopping mall servers OSS1 to OSSn so that the payer and the seller can confirm the payment information.

When the payment confirmation is completed, the online shopping mall may deposit the discounted price to the credit card company, or may receive the final payment price after subtracting the discounted price as the sales of the online shopping mall.

Hereinafter, a third embodiment of the present invention will be described in detail with reference to the drawings.

7 is a schematic diagram showing a schematic configuration of a card / account management system according to a third embodiment of the present invention.

Referring to this, the card / account management system according to the third embodiment of the present invention uses a smart card (SC1 to SCn) incorporating a plurality of credit card information capable of payment for a product in an internal chip to make a corresponding smart card ( Automatically selects a separate payment card stored in SC1 to SCn).

The card selection criterion in the present embodiment is preferably event installment information (one-time installment information) or accumulated installment information provided by the affiliate store owner. That is, the franchise owner provides the event installment information or the installment installment information, which is a standard for payment card selection, among a plurality of cards stored in the customer's smart cards SC1 to SCn to a remote server to be described later. By registering credit card information stored in owned smart cards (SC1 to SCn) and entering detailed payment card selection information, payment card selection and payment using the card are automatically performed when the corresponding card is used later.

In addition, the remote server that manages the card payment stores the event installment information or the installment information provided from the merchant owner, and the customer makes a payment for the goods or services of the merchant using the smart card (SC1 ~ SCn) When wishing, the payment card may be manually selected by providing pre-stored event installment information or accumulated installment information to the customer or the merchant.

If the customer has set up automatic payment registration in advance, the remote server uses the credit of any one of a plurality of credit cards stored in the smart card (SC1 to SCn) of the customer based on the event installment information or the accumulated installment information registered in advance by the merchant. Automatically select and process your card.

To this end, the card / account management system according to the third embodiment of the present invention reads a plurality of credit card information from the customer's smart card (SC1 ~ SCn), input the payment signal and payment price information to provide to the remote server To this end, a display unit (not shown) for outputting text and image information therein and a card payment terminal (CSD) having a built-in communication module are provided.

In addition, a plurality of merchant owners are provided with a communication module to register the event installment information or installment installment information to be provided when purchasing goods or services of the merchant to the remote server, a merchant with a built-in web browser for outputting various information Main terminals B1 to Bn are provided, and telephone terminals T1 to Tn for registering the event installment information or the accumulated installment information by voice.

In addition, by accessing a remote server that manages payment of the smart card, a plurality of credit card information stored in the smart cards SC1 to SCn can be registered, and the credit card payment priority information can be selectively input in advance. Customer terminals A1 to An equipped with a browser and equipped with a communication module such as a modem are provided.

On the other hand, a card authentication server (CCS) for performing authentication for the card in accordance with the payment signal transmitted from the card payment terminal (CSD) is provided, and the authorized payment signal and payment through the card authentication server (CCS) First to Nth credit settlement servers CS1 to CSn for receiving credit information and performing credit settlement are provided.

In addition, the card / account management system according to the third embodiment of the present invention is a database (DB1, DB2) for storing each member information and card information registered by the member, event installment information registered by the merchant owner and installment installment information therein. Is provided with a card payment / management operation server (CSMMS; the remote server), the card payment / management operation server (CSMMS) is authorized event installment information and credit installment from the merchant owner terminal (B1 ~ Bn) Information is registered and stored in association with smart card information authorized through the customer terminals A1 to An and a plurality of credit card information stored therein, respectively. In this state, when the customer generates a payment signal using the smart card, the automatic payment processing is performed in order of the event installment information or the accumulated installment information according to the event installment information and the accumulated installment information.

Hereinafter, the functions and operations of the card / account management system according to the third embodiment of the present invention having the above-described configuration will be described in detail with reference to the accompanying drawings.

8 is a signal flow diagram showing the signal flow of the card / account management system according to a third embodiment of the present invention.

First, the affiliated store owner terminal (B1 ~ Bn) is a member registration to the card payment / management operation server (CSMMS), select a specific card and the event payment information or installment payment information limited to that card payment / Register by sending to management operation server (CSMMS). Then, the card settlement / management operation server (CSMMS) determines the ranking of the event installment information or the accumulated installment information transmitted from the plurality of affiliated owner terminal (B1 ~ Bn) and rearranged according to the ranking.

In this case, there may be a separate contract between the merchant and the credit card company. For example, if the merchant's sales are used as a specific credit card, and the sales of the credit card are more than a certain amount, the credit card company represents a certain percentage of the merchant discount. You can contract to pay. In this case, since the contract-related contents are extremely additional parts in the embodiment of the present invention, detailed description thereof will be omitted.

When the rearrangement of the card settlement / management operation server (CSMMS) is completed, the card settlement / management operation server (CSMMS) to provide the discount information of the merchant to the credit settlement server (CS1 ~ CSn) to register. In this case, this process may be omitted, and when the customer pays the card later, the discount information may be transmitted from the card settlement / management operation server (CSMMS) to the credit settlement servers CS1 to CSn.

In this state, the customer registers with the card settlement / management operation server (CSMMS) via the customer terminals A1 to An, and registers the smart card information and the credit card information stored therein. At this time, the customer should select in advance whether to select the event installment or installment installment to set up automatic payment.

After the registration of the card information of the customer is completed, the customer provides the corresponding smart card (SC) as a payment for goods at the merchant, and the card information is settled from the smart card (SC) through the smart card payment terminal (CSD). When the data is transmitted to the management management server (CSMMS), the credit card information of the pre-stored customer is extracted based on the smart card information.

In addition, the card payment / management operation server (CSMMS) uses the card payment / management operation server (CSMMS) for the specific payment card having the highest ranking based on the credit card information, for example, a large event discount rate or a large accumulated discount amount. Is automatically selected.

Next, the card settlement / management operation server (CSMMS) transmits the selected card information to the card authentication server (CCS) to perform card authentication, and when the authentication is completed, the credit settlement server (CS1 to CSn). Please send the information to make a credit payment.

When the credit settlement is completed, the credit settlement server (CS1 ~ CSn) transmits the payment confirmation information to the card payment / management operation server (CSMMS), the card payment / management operation server (CSMMS) to the corresponding payment details Save it. The card payment / management operation server (CSMMS) transmits the payment confirmation information to the smart card payment terminal (CSD) to confirm the payment to the payer.

When the payment confirmation is completed, the affiliated store may deposit the discounted price to the credit card company, or may receive the final payment amount subtracted from the discounted price as merchant sales.

Hereinafter, a fourth embodiment of the present invention will be described in detail with reference to the drawings.

9 is a schematic diagram showing a schematic configuration of a card / account management system according to a fourth embodiment of the present invention.

Referring to this, the card / account management system according to the fourth embodiment of the present invention uses a smart card (SC1 to SCn) incorporating a plurality of credit card information capable of payment for a product in an internal chip to make a corresponding smart card ( It automatically selects a separate payment card stored in SC1 to SCn, and transmits the information to the customer's mobile terminal M1 to Mn so that the customer can recognize the information in real time. It is a system that can reset the payment standard settings for this using -Mn) in real time.

That is, in this case, the card selection criterion is preferably interest-free installment information or reserve information provided by a credit card company, as in another embodiment of the present invention. For example, the credit card company transmits interest-free installment information, reserve information, and various event information, which are the criteria for payment card selection, among a plurality of cards stored in the customer's smart cards SC1 to SCn to the management server, and the customer sends the corresponding server to the server. By registering a plurality of credit card information stored in the access owned smart cards (SC1 to SCn), and entering the detailed payment card selection information, the automatic payment card selection and payment is made when the card is used later.

In this case, the customer can enter the information that is the basis for the selection of a more detailed payment card, for example, to select the card in the interest-free installment order, the payment card in the order of the amount of the accumulated amount, or the interest-free installment order. In the case of a non-interest installment of the interest-free installment (for example, 6 months), it is possible to select in advance how many months (for example, 3 months) interest-free installment is to be set.

The card payment / management operation server (CSMMS) that manages the card payment determines the credit card information stored in the customer's smart card (SC1 to SCn) based on interest-free installment information and reserve information provided by the credit card company. By selecting the card and providing the installment information and the reserve information of the entire card company with the selected payment card information to the customer's mobile terminal (A1 to An), the customer can recognize this, and the automatic payment processing can be performed. In the state of recognizing the provided card information, the customer can reset any one of the payment card in real time using the mobile terminal (A1 ~ An).

Therefore, in the card / account management system according to the fourth embodiment of the present invention, a plurality of credit card information is read from the smart cards SC1 to SCn of the customer, and the payment signal and the payment price information are input to the remote server. To this end, a display unit (not shown) for outputting text and image information therein and a card payment terminal (CSD1 to CSDn) having a built-in communication module are provided.

In addition, by accessing a remote server that manages payment of the smart card, a plurality of credit card information stored in the smart cards SC1 to SCn can be registered, and the credit card payment priority information can be selectively input in advance. Customer terminals A1 to An equipped with a browser and equipped with a communication module such as a modem are provided.

On the other hand, the card authentication server (CCS) is provided to perform authentication for the card in accordance with the payment signal transmitted from the card payment terminal (CSD), the authorized payment signal and payment through the card authentication server (CCS) First to Nth credit settlement servers CS1 to CSn for receiving credit information and performing credit settlement are provided.

In addition, the card / account management system according to a fourth embodiment of the present invention is a database for storing each member information and card information registered by the member, interest-free installment information registered by the credit card company and reserve points information (DB1, DB2) is provided with a card payment / management operation server (CSMMS), the card payment / management operation server (CSMMS) is registered interest-free installment information and reserve point information from the credit settlement server (CS1 ~ CSn) Then, smart card information authorized through the customer terminals A1 to An and a plurality of credit card information stored therein are stored in association with each other. In this state, when the customer generates a payment signal using the smart card, the payment is automatically processed in the order of the long interest-free installment period or the more reserve points according to the registered interest-free information and the reserve point information. In addition, the card payment / management operation server (CSMMS) is linked with an automatic response processing device (ARS: not shown) to enable the customer to change and register a predetermined card payment criteria according to the authorized key signals through various terminals. It is.

In addition, the card payment / management operation server (CSMMS), each credit card company's interest-free installment information, reserve information and information about the predetermined card payment criteria are received and outputs the screen, the card payment / management operation Mobile terminals M1 to Mn are provided which enable the registered registration of card payment criteria set in the server CMS.

FIG. 10 illustrates screen data output through a mobile terminal in a card / account management system according to a fourth embodiment of the present invention.

Referring to this, in the card / account management system according to the fourth embodiment of the present invention, the screen 30 of the mobile terminal has interest-free installment information and reserve information of the credit card company registered in the card payment / management operation server (CSMMS). As shown in FIG. 10, the data is transmitted and output.

The screen 30 outputs the mobile terminal number information 34 registered by the customer when registering the credit card information, and stored at the bottom of the smart card registered by the customer in the card payment / management operation server (CSMMS). The credit card information 32 is output, and for each of the credit card information, discount information provided by each credit card company is also output on the mobile terminal screen 30.

In addition, the information 36 for the card currently set in the card payment / management operation server (CSMMS) and automatically set according to the payment standard when the card is used is output. On the other hand, the accessible telephone number (070-000-0000: 38) of the automatic response processing apparatus (ARS) associated with the card settlement / management operation server (CSMMS) is output.

Therefore, the customer can easily check the credit card information registered in the card payment / management operation server (CSMMS) through the mobile terminal (M1 ~ Mn), the current payment using the smart card (SC1 ~ SCn) of the customer When is made, it is possible to check in real time which card is automatically settled. In addition, when the customer wants to change the automatic payment condition registered in the card payment / management operation server (CSMMS), wirelessly accesses the automatic response processing device (ARS) associated with the card payment / management operation server (CSMMS). You can change the setting by key operation.

Hereinafter, the functions and operations of the card / account management system according to the fourth embodiment of the present invention having the above-described configuration will be described in detail with reference to the accompanying drawings.

11 is a signal flow diagram showing the signal flow of the card / account management system according to a fourth embodiment of the present invention.

First, the credit settlement server CS1 to CSn registers the card payment / management operation server (CSMMS), registers interest-free installment information or reserve information to the card payment / management management server (CSMMS). Let's do it. Then, the card settlement / management operation server (CSMMS) determines the rank of interest-free installment information or reserve point information transmitted from various credit settlement servers (CS1 ~ CSn) and rearranges.

In this state, the customer registers with the card settlement / management operation server (CSMMS) via the customer terminals A1 to An, and registers the smart card information and the credit card information stored therein. At this time, the customer enters the set payment conditions for whether to pay in the interest-free installment priority order, or in order of high reserve points.

Then, the card payment / management operation server (CSMMS) automatically sets the ranking in order of the most favorable card in accordance with the installment information and reserve information provided by the credit card company for each customer priority card.

After the registration of the card information of the customer is completed, when the customer accesses the card payment / management operation server (CSMMS) using the mobile terminals M1 to Mn, and requests the pre-registered setting information and the condition information of each credit card company. In addition, the card payment / management operation server (CSMMS) provides the corresponding information to the mobile terminal (M1 ~ Mn) of the customer.

If the customer who has reviewed the credit card company's condition information output to the mobile terminals M1 to Mn wishes to change the payment condition registered in the card payment / management operation server CSMMS, the mobile terminals M1 to Mn It is possible to change the payment condition setting through the key operation of, the card payment / management operation server (CSMMS) to provide the setting change confirmation information on the payment condition to the mobile terminal (M1 ~ Mn).

Then, the customer provides the corresponding smart card (SC) for the payment of goods at the merchant, and the card information from the smart card (SC) through the smart card payment terminal (CSD) to the card payment / management operation server (CSMMS) Upon transmission, the card payment / management operation server (CSMMS) automatically selects a specific payment card having the highest ranking, for example, a long interest-free installment period or a high reserve point, based on the card information of the customer.

The card settlement / management operation server (CSMMS) transmits the selected card information to the card authentication server (CCS) to perform card authentication. When authentication is completed, the card settlement / management operation server (CSMMS) corresponds to the credit settlement servers (CS1 to CSn). Send the information to make a credit payment.

When the credit settlement is completed, the credit settlement server (CS1 ~ CSn) transmits the payment confirmation information to the card payment / management operation server (CSMMS), the card payment / management operation server (CSMMS) to the corresponding payment details Save it. The card payment / management operation server (CSMMS) transmits the payment confirmation information to the smart card payment terminal (CSD) to confirm the payment to the payer.

On the other hand, the card / account management system according to the fourth embodiment of the present invention, even if the card registered by the customer is not a smart card, even if it is a merchant that does not have card payment terminals (CSD1 to CSSDn) for the smart card. In one method, each credit card information is registered in advance with the card payment / management operation server (CSMMS), and when payment is required, the optimum card information is transmitted through the mobile terminals M1 to Mn in advance. The interest-free installment information and reserve information provided by credit card companies can be used conveniently.

Hereinafter, a fifth embodiment of the present invention will be described in detail with reference to the drawings.

12 is a schematic diagram showing a schematic configuration of a card / account management system according to a fifth embodiment of the present invention.

Referring to this, the card / account management system according to the fifth embodiment of the present invention provides a mobile communication company and a financial server so that a user can arbitrarily set a plurality of financial accounts possessed by a specific user by using a mobile terminal. If only the card is lost, even if the password is leaked, illegal withdrawal is impossible if the lock is set.

In addition, the present invention illegally using a credit card even if the card is lost by linking the mobile communication company and the financial server so that the user can set a lock on a plurality of credit card accounts held by a specific user by using a mobile terminal. Makes this impossible.

That is, in the card / account management system according to the fifth embodiment of the present invention, when a purchase request for goods using a card or a cash withdrawal request signal using a card is generated through a server (VAN) or a financial company, the server of the corresponding bansa or financial company is generated. By allowing the user to generate a separate authorization signal by operating the mobile terminal, if the card is lost only, the card is prevented from being used illegally before the card loss is reported. If the card is not generated from the user's mobile terminal, the card cannot be used. Therefore, the financial security system using the mobile terminal can effectively compensate for the weaknesses of the current financial security system.

Such a financial security system can configure a system structure in various ways, and the present invention describes three methods as an example.

First, the mobile terminal of the user is equipped with a processor for approval of a separate card use, and a mobile communication exchange center is connected to a financial server and a bansa server. The exchange transmits a usage approval request signal to the user's mobile terminal and receives a response to allow the card to be used.

Secondly, when the user's mobile terminal does not have a separate processor, the user can use the card by sending a response control signal to the mobile terminal from the mobile communication exchange to include the response control signal in the SMS data including a questionnaire about whether to use the card or not. If the user inputs the approval status, the corresponding SMS data is automatically transmitted to the mobile communication exchange so that the approval processing is performed.

Thirdly, the user accesses the financial server or bansa server through the wireless web (WAP) and specifies the approval before the card is used. The financial server or the bansa server does not specify the approval for the card use in advance. As an example, a method of preventing the illegal use of a card may be presented in such a way that a use request for a card that is not used is not approved.

Preferably, the card / account management system according to the fifth embodiment of the present invention will be described with respect to the financial security system made in the first and second manner.

To this end, the card / account management system according to the fifth embodiment of the present invention is a plurality of mobile terminals (HP1, HP2), a plurality of mobile communication base stations (110A, 110B), mobile communication relay stations (112A, 112B), mobile And a communication control station 114, a mobile communication exchange 116, a bansa server 117 (the card authentication server), and a plurality of financial servers 118A to 118N (the server including the credit settlement server).

In the figure, the mobile terminals HP1 and HP2 can transmit and receive voice calls, voice and text messages, and generate a card approval signal generation processor so as to generate an allowable signal for approval of card use therein. It is built in. In addition, the mobile terminals HP1 and HP2 are configured to generate code data for the card approval signal and transmit the code data corresponding to the card approval signal to the remote server by pre-stored in association with the card approval signal generation processor. .

In the figure, a plurality of mobile communication base stations 110A and 110B (Base Station Transceivers (BTSs)) are distributed in the vicinity of moving positions of the mobile terminals HP1 and HP2 respectively carried by the user, The mobile terminal (HP1, HP2) is to perform the wireless transmission and reception of voice and text information by matching with the mobile communication terminal of the other party to enable the transmission / registration of voice calls and wireless data while moving.

The mobile communication relay stations 112A and 112B are for relaying and connecting the mobile communication base stations 110A and 110B and the mobile communication control station 114, respectively. Through the mobile communication relay stations 112A and 112B, the matching function of the mobile communication base stations 110A and 110B, handoff processing between each base station cell, and call connection control are performed.

In the same figure, the mobile communication switch 116 is a Bansa server 117 and a plurality of financial servers connected to a plurality of merchant payment terminals (not shown) in a state in which the mobile terminals HP1 and HP2 are normally available. 18A to 18N are connected at the same time to receive the user's card use request signal from the bansa server 117 and the financial servers 118A to 118N. It is a means for transmitting / receiving data to and from various approval signals so as to approve the use of the card by transmitting to HP1 and HP2, receiving a response signal thereto, and transmitting to the bansa server 117 and the financial servers 118A to 118N.

That is, as shown in Fig. 12, in the embodiment of the present invention, in addition to the approval process for authenticating the use of the card in the Bansa server 117 or the financial servers 118A to 118N, the mobile terminal possessed by the user ( The approval process using HP1, HP2 ...) is additionally configured. Hereinafter, the approval process using the mobile terminals (HP1, HP2 ...) is called a lock setting and release process for the account.

In this case, the user may select a specific card using the mobile terminals HP1, HP2 ... and set a lock on the use of the card or release the set lock.

In addition, the card or account that is applied at this time will include all cash, debit cards, credit cards, securities cards, virtual goods, such as virtual, securities accounts in general.

13 is a block diagram showing the configuration of a mobile terminal applied to the card / account management system according to a fifth embodiment of the present invention.

Referring to this, the mobile terminal (HP1, HP2 ....) applied to the card / account management system according to the fifth embodiment of the present invention is the key input unit 120, the display unit 122, the antenna 124, the duplexer 126, a receiver 128, a transmitter 130, a voice processor 132, a speaker 134, a microphone 136, a memory 138, and a controller 140.

In the figure, the key input unit 120 is for inputting the other party's telephone number, inputting characters for the creation of a text message, selecting a card, and selecting various menu functions for approval of the use according to a user's selection operation. Since a plurality of function key buttons are provided, a function key button is provided separately for generating code information for the card use approval by performing selection key input for a short message on the request for approval of the use of the transmitted card.

The key input unit 120 may use a mode setting key button (not shown) for executing a lock setting mode for approval of card use, and for example, to use the # key button to register lock setting and release in the corresponding lock setting mode. A registration key button (not shown) to be used, an up / down key button for selecting an account and a lock setting / release menu displayed on the display unit 22, and a number key button for inputting a password when setting / releaseing a lock; It is configured to include.

Here, the number key button of the key input unit 120, in addition to the password input at the time of lock setting / release, in addition to the account number input function for account registration, the Hangul input to be written directly in the form of a text message upon execution of the Hangul input function It can also be used as a key button.

The display unit 122 visually displays the display state or selection state of the lock setting and release setting mode for the account number and the financial company information and the account setting according to the function operation state of the key input unit 120, and the It consists of thin display means such as, for example, a liquid crystal display element for visually displaying the card use approval request message transmitted from the mobile communication exchange 116.

When the mode setting key button of the key input unit 120 is keyed to execute the setting mode for selecting an account and setting / unlocking the account lock, the display unit 122 is shown in Figs. 16A and 16B. 1. Enter a password, 2. Select an account, 3. Set an account lock, 4. Unlock an account. " Therefore, by inputting each numeric key, any one menu can be selected.

In FIG. 13, the duplexer 126 performs radio communication with a base station of a mobile communication network through the antenna 124 to separate a signal transmitted / received, and the receiver 128 is connected to the antenna 124. The duplexer 126 receives the voice signal or the text information from the other party's mobile terminal, wired telephone terminal or mobile communication exchange 116, and the transmitter 130 receives the voice signal input from the microphone 136. And code information set according to the account lock setting / release mode so as to be transmitted and filtered.

In addition, the voice processing unit 132 processes the voice signal received from the counterpart side received through the receiving unit 128 to be output through the speaker 134, and the voice of the user received from the microphone 136. The signal is processed and output to the transmitter 130.

The memory 138 stores code data for account information for account lock setting and code information table for selection information for account lock setting / release setting, and the processor for setting / locking the account lock is linked together. It is done. The control unit 140 displays the code information for the account lock setting / release setting selected by the key input unit 120 under execution of the account lock setting / release setting mode by the key operation of the key input unit 120. The code information table from the memory 138 is created to be transmitted to the remote server.

14 is a block diagram showing the configuration of a mobile communication exchange applied to a card / account management system according to a fifth embodiment of the present invention.

Referring to this, the mobile communication switch 116 applied to the card / account management system according to the fifth embodiment of the present invention includes a plurality of connection switch units 150A and 150B, a network connection module 162 and a number translation processor ( 154, an SMS processing processor 156, a code processing processor 158, a data interworking processor 160, a central control module 166, and an information storage unit 168. In addition, the mobile communication switch 116 is connected to an authentication center 170 (AUC) for authentication processing of the legitimate use of each mobile terminal.

In the figure, the plurality of connection exchange units 150A and 150B are connected to the mobile terminal HP1 through the mobile communication base stations 110A and 110B, the mobile communication relay stations 112A and 112B, and the mobile communication control station 114. It handles each call generated from HP2), receives card use approval request information in connection with the bansa server 117 and the financial servers 118A to 118N, and receives additional card use approval request to the mobile terminals HP1 and HP2. Performs a data interface for transmitting information.

The network access module 162 forms a call path of the mobile terminal by number translation of the mobile communication terminal, and is a connection module for receiving the account lock setting / release setting information for the card use approval.

In addition, the number translation processor 154 interprets the information on the account lock setting / release setting received from the mobile terminal and the number of the mobile terminal by analyzing the number associated with the mobile terminal (HP1, HP2) In order to perform the translation, the SMS processing processor 156 generates an SMS for creating a SMS and inquiring a user of information on a card use approval request received from the bansa server 117 and the financial servers 118A to 118N. The processor that performs the processing.

On the other hand, the code processing processor 158 is a processor that receives the code data for the account lock setting / release setting from the mobile terminal (HP1, HP2), and processes the code with the mobile terminal number.

In the same figure, the data interworking processor 160 is linked with the bansa server 117 and the financial servers 118A through 118N to receive the card use approval request information. ) Is a processor that performs data interworking processing for data interworking and account for each user.

The central control module 166 is for controlling various functions related to call connection and data transmission / reception including the call path setting of the network connection module 162, and is transmitted from a mobile terminal performing account lock setting / release setting. Recognizes code information and its mobile terminal number and stores it in the information storage unit 168, and sets or releases the lock for the corresponding account, and sends the information to the bansa server 117 and the financial servers 118A to 118N. Send it.

The information storage unit 168 receives and stores the code information transmitted from the mobile terminal performing the account lock setting / release setting, and stores the account information for each user, and the bansa server 117 and the financial server 118A to 118. A text message for card use authorization request information from 118N) is stored.

15 is a block diagram showing the configuration of a financial server applied to the card / account management system according to a fifth embodiment of the present invention.

Referring to this, the card / account management system according to the fifth embodiment of the present invention may generate SMS information on the approval of card use in the mobile communication switch 116, but as shown in FIG. 118A to 118N or the bansa server 117 is configured to perform the function in a predominant manner, the query information for the approval of the use of the card is written by using a text message to the user's mobile terminal (HP1, HP2) The transfer can be processed.

Therefore, the present invention describes the financial server 118A to 118N, which is an example of the text message writing function for the card use approval, the query information transmission, and the response information reception processing. Since the bansa server 117 also has the same configuration to perform the same function, a description thereof will be omitted.

The financial server 118A to 118N includes an interface unit 172, an authentication center 174 (AUC), a connection module 176, a code interpretation processor 180, a lock setting processor 182, and an SMS generation processor ( 184, an account management processor 186, a central control module 188, and an information storage unit 178.

The interface unit 172 is connected to the mobile communication switch 116 and transmits an SMS of card use approval information for the mobile terminals HP1 and HP2, and receives the card use approval from the mobile terminals HP1 and HP2. A means for performing a data interface for receiving code information.

The connection module 176 is a means for transmitting and receiving various card use approval-related data by performing a connection with the mobile communication switch 116 via the interface unit 172, and the code interpretation processor 180 is the mobile terminal. (HP1, HP2) is a means for creating and transmitting the code information for the card use authorization, and interpreting the code for the card use authorization authorized from the mobile terminal (HP1, HP2).

The lock setting processor 182 is a means for executing the account lock setting and release according to the code interpretation of the card use authorization analyzed by the code analysis processor 180 for the account or card information of the registered user.

When the SMS generation processor 184 receives an authorization request signal for card use from an ATM terminal (not shown) or a bansa server 117, a text for transmitting the information to the mobile terminal HP1 or HP2 of the user. A means of composing a message. At this time, it is preferable that the SMS for the card use approval request is further included in the sending control packet data resent to the financial servers 118A to 118N according to the user's confirmation button operation. Therefore, when the user selects whether or not to approve the card use and operates only the confirmation button, it can be automatically transmitted to the financial servers 118A to 118N.

The account management processor 186 classifies and manages a plurality of accounts or cards registered by a user for each user, and interoperates with the lock setting processor 182 to manage use of an account or a card.

The information storage unit 178 stores card or account information for each user's mobile terminal number, and means for storing code information for approval of use of a card or account, and lock setting information of a card or account set by a user. The central control module 188 receives a card approval request signal generated from various card payment related terminals (not shown: merchant card payment terminal, ATM, etc.), and is a mobile terminal (HP1, HP2) of a user who is a corresponding card holder. ) Is a means for performing the card use approval by sending the card use approval request information to the SMS and receiving a response signal thereto.

For example, if a user has set a lock on the use of a card or account using the mobile terminals HP1 and HP2, the mobile terminal (HP1, HP2) of the user using SMS for approval request information on the use of the card. In the state where no lock is set on the card or the account, only the card authentication is performed by the financial server 118A to 118N or the bansa server 117, and then the card use is authorized.

16A and 16B illustrate financial security setting screens of the card / account management system according to the fifth embodiment of the present invention.

Referring to this, the card / account management system according to the fifth embodiment of the present invention is associated with the financial server 118A to 118N or the bansa server 117, or the financial server 118A to 118N or the bansa server 117. ), The user can set or release a lock on the use of a specific account or card using the mobile terminals HP1 and HP2 for the associated mobile communication switch 116.

The mobile terminals HP1 and HP2 are provided with a lock setting / release processor for a separate account approval, and may output an account lock setting / release mode as shown in FIG. 5A through the screen 190. . In the account lock setting / cancellation mode, " 1. Password input, 2. account selection, 3. account lock setting, 4. account lock release " In addition, when the user operates the selection confirmation button, it is preferable to automatically generate a code for the transmission to the mobile communication switch 116 or to be transmitted to the financial server 118A to 118N or the bansa server 117. .

Therefore, when the lock setting and release state of the corresponding account is received by the financial server 118A to 118N or the bansa server 117, the confirmation information on the account is displayed as shown in FIG. 5B. A short message is transmitted, and the screen 192 is outputted.

In other words, if a card is stolen or lost, even if there is illegal copying of the card, if the user has previously set a lock on the card or account, the use of the card is not approved. In addition, in order to unlock the card or account, a password different from the password of the card must be input to the mobile terminals HP1 and HP2. 16A and 16B show the user using the mobile terminals HP1 and HP2 in a state in which the authorization request information for card usage is not transmitted from the financial servers 118A to 118N or the bansa server 117. It is a method of arbitrarily setting and unlocking an account or a card.

17A, 17B, and 17C are diagrams illustrating another financial security setting screen of the card / account management system according to the fifth embodiment of the present invention.

Referring to this, in the scheme shown in Figs. 17A to 17C, an authorization request signal for card use is received by the financial server 118A to 118N or the bansa server 117, and the first approval is performed. The screen for requesting the car approval is shown. The SMS created by the financial servers 118A to 118N or the bansa server 117 is transmitted to the mobile terminals HP1 and HP2 of the user, as shown in FIG. 17A. The screen 194 is output as shown. That is, "There is an attempt to withdraw / use ○○○ 's account ×××-×××-××××. Do you want to unlock?" A short message is displayed, and below it, "1. Yes, 2. No" is selected as the numeric key input.

In this case, the user has previously set a lock on the use of a specific account or card. If the user has not set a lock on the use of a specific account or card, such a short message is not transmitted.

Accordingly, if the user determines that another person wants to use his or her card or account illegally, the user can select option 2 to maintain the lock setting state. Then, the financial server 118A to 118N or the bansa server 117 maintains the lock setting state of "○○○ 's account ×××-××××××× as shown in FIG. 17B. Withdraw / use has been canceled. &Quot; "

On the other hand, if the user selects No. 1 to release the lock, as shown in Fig. 15C, the financial server 118A to 118N or the bansa server 117 may be displayed as "○○○" as shown in Fig. 15B. A short message is sent to the screen 198 to output the screen message "The lock of account xxx-xxxxxxx" was unlocked. " At this time, since the SMS sent from the financial server 118A to 118N or the bansa server 117 to the mobile terminals HP1 and HP2 includes automatic resend control packet data, when the user selects a query response and operates the confirmation button, The SMS is automatically resent to the financial server 118A to 118N or the bansa server 117.

The function and operation of the card / account management system according to the fifth embodiment of the present invention having the above-described configuration will be described in detail with reference to the accompanying drawings.

18 is a flowchart illustrating a process of setting up financial security of a card / account management system according to a fifth embodiment of the present invention.

First, the user selects the account interlocking setting mode in order to lock and unlock the account using the mobile terminals HP1 and HP2 (first step: ST-1). In order to execute the account linkage setting mode, the mobile terminal (HP1, HP2) own password different from the account password must be entered (second step: ST-2).

When the password is input, the user selects or inputs an account for lock setting / release setting (step 3: ST-3). After selecting the account, the function key button, for example, the # button is operated (step 4: ST-4). Then, the mobile terminals HP1 and HP2 convert signals for account interworking into code data and transmit them to the mobile communication switch 116 (step 5: ST-5).

Accordingly, the mobile communication exchange 116 receives the code data for the account linkage (step 6: ST-6), and transmits the account interworking information to the financial server 118A to 118N or the bansa server 117. Then, the account authentication is performed, and a code table is created to lock the account (step 7: ST-7). As soon as the code table is completed and the account linkage registration is completed, the information setting completion is transmitted to the mobile terminals HP1 and HP2 to output the screen (step 8: ST-8) (step 9: ST-9). .

19 is a flowchart showing the signal flow of the card / account management system according to the fifth embodiment of the present invention.

First, as shown in FIG. 18, in a state where the linkage setting using the mobile terminals HP1 and HP2 is made, the user selects and locks at least one specific account among a plurality of accounts using the mobile terminal HP1. When the setup request is made, the mobile communication switch 116 receives the code data for the lock setting request and transmits the information to the financial server 118A to 118N or the bansa server 117 for use of the selected account. Set the lock.

In this state, when the card use signal is received from the financial server 118A to 118N or the bansa server 117 through an ATM terminal, a merchant card payment terminal, or the like, the financial server 118A to 118N or the bansa server 117 is used. Transmits a card use approval request signal to the mobile communication switch (116).

Then, the mobile communication exchange 116 creates an SMS for the account use approval request and transmits it to the mobile terminal HP1 of the user who is the holder of the account. That is, query information about whether to unlock the account or the card is transmitted.

When the user generates a code signal to maintain the lock state according to the query information, the mobile communication switch 116 maintains the lock state for the corresponding account or card, and the user generates a code signal to release the lock. Then, the mobile communication exchange 116 releases the lock and transmits the release information to the financial server 118A to 118N or the bansa server 117 to generate an authorization signal so that the card or account can be used.

On the other hand, although the SMS information for the account or card use authorization may be made by the mobile communication exchange 116, it can be written in the financial server (118A ~ 118N) or bansa server 117, in this case the mobile communication exchange 116 may simply allow the transmission and reception of such SMS data.

Hereinafter, a sixth embodiment of the present invention will be described in detail with reference to the drawings.

20A and 20B illustrate a financial security setting screen through a card / account management system according to a sixth embodiment of the present invention.

Referring to this, the card / account management system according to the sixth embodiment of the present invention sets an arbitrary amount of withdrawal / use by using a plurality of credit card accounts, cash accounts, and virtual accounts held by a user using a mobile terminal. By linking the carrier with the financial server so that the card is lost, the illegal use amount or cash withdrawal using the card is no more than a certain amount.

That is, similarly to setting a lock on the use of a card or an account, the present invention exemplifies a method in which the usage or withdrawal amount of a card or an account can be arbitrarily set so that use or withdrawal is impossible for a further amount. .

To this end, the mobile terminal (HP1, HP2) can be used to set additional usage or withdrawal amount to the processor that can generate code data for lock setting / release setting for the use of the card or account. Further, the mobile communication switch 116 and the financial server 118A to 118N or the bansa server 117 can be queried before the use of the card or account for the usage or withdrawal limit in the financial server 118A to 118N or the bansa server 117. ), And the usage amount or withdrawable amount is set in the mobile communication exchange 116.

Meanwhile, the present invention may allow the financial server 118A to 118N or the bansa server 117 to set usage or withdrawable amounts.

Using the system configured as described above, the user can perform "1, password input, 2. account selection or input, 3. lock release amount setting" as shown in FIG. 20A through the mobile terminals HP1 and HP2. The screen 200 can be output. In the screen 200, when a user inputs a password, selects a specific account or card, and inputs an unlocking amount, the user registers the amount of usage or withdrawable amount of the selected card or account. That is, the lock is released for the set amount of money so that it can be used without questioning whether to approve the amount. In this case, the set amount is not related to the credit limit set by the credit card company or financial institution according to the user's credit rating.

When the unlocking amount is set, the mobile communication exchange 116 transmits to the mobile terminal of the corresponding user from a balance (usage limit) of " ○○○ 's account ×××-×××-××××. ) Is unlocked. &Quot; "

The function and operation of the card / account management system according to the sixth embodiment of the present invention having the above-described configuration will be described in detail with reference to the accompanying drawings.

FIG. 21 is a flowchart showing the signal flow of the card / account management system according to the sixth embodiment of the present invention.

First, when the user selects at least one or more specific accounts from among a plurality of accounts using the mobile terminal HP1, and performs an account linkage setting request that enables lock setting, the mobile communication exchange 116 interlocks an account with the corresponding account. Set it.

In addition, when the user inputs a specific amount for the account to request the lock setting for the usage and withdrawable amount of the account, the mobile communication exchange 116 returns the code data of the lock setting request for the use amount. Receive and set a lock on the amount of use of the selected account.

In this state, when the card use signal is received from the financial server 118A to 118N or the bansa server 117 through an ATM terminal, a merchant card payment terminal, or the like, the financial server 118A to 118N or the bansa server 117 is used. Transmits a card use approval request signal and approval amount information to the mobile communication switch 116.

Then, the mobile communication switch 116 determines whether the corresponding account is a locked account, and determines whether the used amount is greater than or equal to the set lock amount. If the usage amount is smaller than the lock setting amount, the code data for the usage approval is transmitted to the financial servers 118A to 118N or the bansa server 117 to perform card usage approval.

On the other hand, if the amount of money to be used is greater than the lock setting amount, the mobile communication switch 116 transmits the SMS data on whether to unlock the mobile terminal (HP1) of the user. Accordingly, when the lock holding signal is transmitted from the mobile terminal HP1, the lock holding signal is maintained, and the non-approval code data is transmitted to the financial server 118A to 118N or the vansa server 117 to transfer the card or account. Do not use it.

If the user generates the code data for unlocking using the mobile terminal HP1, the mobile communication switch 116 receives the code data and sets the lock on the amount of use of the account. Then, a use approval signal is generated to the financial servers 118A to 118N or the bansa server 117 to use the card or account.

Hereinafter, a seventh embodiment of the present invention will be described in detail with reference to the drawings.

22A and 22B illustrate financial security setting screens through a card / account management system according to a seventh embodiment of the present invention.

Referring to this, the card / account management system according to the seventh embodiment of the present invention randomly withdraws / uses the amount of daily withdrawal / use by using a plurality of credit card accounts, cash accounts, and virtual accounts held by a user using a mobile terminal. By linking the carrier and the financial server so that the card can be set up, even if the card is lost, the amount of illegal use or cash withdrawal using the card will not exceed a certain amount.

In other words, similar to setting a lock on the use of a card or an account, the present invention arbitrarily sets a daily use amount or a withdrawal amount of a card or an account so that a use or withdrawal that can be used per day for a further amount is impossible. Illustrate how you can do it.

To this end, the mobile terminal (HP1, HP2) can be set in addition to the processor that can generate the code data for the lock setting / release setting for the use of the card or account in addition to the daily usage or withdrawal amount . In addition, the mobile communication switch 116 and the financial server 118A to 118N or the bansa server 117 can be inquired before the use of the card or account with the limit or withdrawal limit used by the financial server 118A to 118N or the bansa server 117. ) And the daily usage or withdrawable amount is set in the mobile communication exchange 116.

Meanwhile, the present invention may allow the financial server 118A to 118N or the bansa server 117 to set daily usage or withdrawable amount.

Using the system configured as described above, the user can use the mobile terminals HP1 and HP2 as shown in FIG. 22A to "1, enter a password, 2. select or enter an account, 3. set a daily lock release amount". The screen 204 which can be performed is output. In the screen 204, when a user inputs a password, selects a specific account or card, and inputs a daily unlocking amount, the user registers the amount of usage or withdrawable amount of the selected card or account. . That is, the lock is released for the set amount of money so that it can be used every day without questioning whether to approve the amount. In this case, the set amount is not related to the credit limit set by the credit card company or financial institution according to the user's credit rating.

When the unlocking amount is set, the mobile communication exchange 116 transmits the daily unlocking limit of "○○○ 's account ×××-×××-×××× to the mobile terminal of the user (100,000 won). Is sent to the screen (206).

In this case, in the present invention, it is preferable that the daily lock release limit is automatically updated every day. That is, if the user used 90,000 won in the state of setting the daily lock release limit of 100,000 won, the child user's account is automatically set to the daily lock release limit of 100,000 won.

The function and operation of the card / account management system according to the seventh embodiment of the present invention having the above-described configuration will be described in detail with reference to the accompanying drawings.

FIG. 23 is a flowchart showing the signal flow of the card / account management system according to the seventh embodiment of the present invention.

First, when the user selects at least one or more specific accounts from among a plurality of accounts using the mobile terminal HP1, and performs an account linkage setting request that enables lock setting, the mobile communication exchange 116 interlocks an account with the corresponding account. Set it.

In addition, when the user inputs a specific amount for the account to request the lock setting for the daily usage and withdrawable amount of the account, the mobile communication exchange 116 requests the lock setting request for the corresponding daily use amount. Receive the data and set a lock on the amount of use of the selected account.

In this state, when the card use signal is received from the financial server 118A to 118N or the bansa server 117 through an ATM terminal, a merchant card payment terminal, or the like, the financial server 118A to 118N or the bansa server 117 is used. Transmits a card use approval request signal and approval amount information to the mobile communication switch 116.

Then, the mobile communication switch 116 determines whether the corresponding account is a locked account, and determines whether the daily use amount is greater than or equal to the lock setting amount. If the daily usage amount is smaller than the lock setting amount, the code data for the usage approval is transmitted to the financial servers 118A to 118N or the bansa server 117 to perform the card usage approval.

On the other hand, if the amount of usage is greater than the daily lock setting amount, the mobile communication switch 116 transmits the SMS data on whether to unlock the mobile terminal (HP1) of the user. Accordingly, when the lock holding signal is transmitted from the mobile terminal HP1, the lock holding signal is maintained, and the non-approval code data is transmitted to the financial server 118A to 118N or the bansa server 117 to transfer the card or account. Do not use it.

If the user generates the code data for unlocking using the mobile terminal HP1, the mobile communication switch 116 receives the code data and sets the lock on the daily use amount of the corresponding account. Then, a use approval signal is generated to the financial servers 118A to 118N or the bansa server 117 to use the card or account.

In addition, the data set in the mobile communication switch 116 is updated with the preset daily lock setting amount again regardless of the amount used today.

Hereinafter, a card / account management system according to an eighth embodiment of the present invention will be described in detail with reference to the accompanying drawings.

24 is a schematic diagram showing a schematic configuration of a card / account management system according to an eighth embodiment of the present invention.

Referring to this, in the card / account management system according to the eighth embodiment of the present invention, when a user sets a lock on a plurality of financial accounts owned by a specific user, the user cannot arbitrarily use a mobile terminal, By connecting the server and using the ARS system, it is possible to set the withdrawal / usage limit for each user account or card. This is not just adding one more password, as in the first through seventh embodiments, but by determining whether the owner of the mobile terminal HP1 or HP2 is the owner of the account or card. B. It is a system that raises the financial security barrier by preventing the approval of owners of mobile terminals (HP1, HP2) that generate approval even if the password for approval is leaked, if it is different from the account / card owner.

The card / account management system according to the eighth embodiment of the present invention connects the ARS module 113 to the mobile communication exchanger 116 associated with the financial server 118A to 118N or the bansa server 117, thereby providing an account and credit card. It is to allow the user to directly set or release the user-specific usage / withdrawal authorization limit for the bar, etc. The method of setting the lock of the account / card using the ARS illustrates three methods in the present invention.

First, the user accesses the ARS module 113 using a mobile terminal (HP1, HP2) or a wired telephone terminal (not shown) to change the use / withdrawal limit of an account or card preset by the user, or / Generate the withdrawal approval signal. In this case, since the lock of the account or the card is set / released using a known ARS, detailed description thereof will be omitted.

Secondly, when a use / drawal signal using a card or an account with a lock on use / drawout is received through the bansa server 117 or the first to Nth financial servers 118A to 118N, the bansa server 117 or The first to Nth financial servers 118A to 118N generate the ARS as an ARS via the ARS module 113. That is, the ARS call signal is generated from the bansa server 117 or the first to Nth financial servers 118A to 118N to the user's mobile terminal HP1. It is a way to approve the use of the secondary.

Third, when a use / drawal signal using a card or an account for which a lock on use / draw is set is received through the bansa server 117 or the first to Nth financial servers 118A to 118N, the bansa server 117 or The first to Nth financial servers 118A to 118N send a short message SMS attached with an ARS phone number, send the short message including a unique approval password, and receive the received password. The user retransmits the data to the bansa server 117 or the first to Nth financial servers 118A to 118N using the mobile terminals HP1 and HP2.

That is, the bansa server 117 or the first through N-th financial servers 118A through 118N receives the attempt to use the card / account and transmits the approval password and ARS phone number to the mobile terminal (HP1.HP2) of the user. In addition, the user accesses the ARS phone number included in the short message (SMS) and retransmits the received authorization password to secondly approve the use authorization of the card / account. This will be described in detail with reference to FIG. 25.

To this end, the card / account management system according to the eighth embodiment of the present invention is a plurality of mobile terminals (HP1, HP2), a plurality of mobile communication base stations (110A, 110B), mobile communication relay stations (112A, 112B), mobile A communication control station 114, a mobile communication switch 116, a bansa server 117, a plurality of financial servers 118A to 118N, and an ARS module 113 are included.

In the figure, the mobile terminals HP1 and HP2 can transmit and receive voice calls, voice and text messages, and generate a card approval signal generation processor so as to generate an allowable signal for approval of card use therein. It is built in. In addition, the mobile terminals HP1 and HP2 are configured to generate code data for the card approval signal and transmit the code data corresponding to the card approval signal to the remote server by pre-stored in association with the card approval signal generation processor. .

In the figure, a plurality of mobile communication base stations 110A and 110B (Base Station Transceivers (BTSs)) are distributed in the vicinity of moving positions of the mobile terminals HP1 and HP2 respectively carried by the user, The mobile terminal (HP1, HP2) is to perform the wireless transmission and reception of voice and text information by matching with the mobile communication terminal of the other party to enable the transmission / registration of voice calls and wireless data while moving.

The mobile communication relay stations 112A and 112B are for relaying and connecting the mobile communication base stations 110A and 110B and the mobile communication control station 114, respectively. Through the mobile communication relay stations 112A and 112B, the matching function of the mobile communication base stations 110A and 110B, handoff processing between each base station cell, and call connection control are performed.

In the same figure, the mobile communication switch 116 is a Bansa server 117 and a plurality of financial servers connected to a plurality of merchant payment terminals (not shown) in a state in which the mobile terminals HP1 and HP2 are normally available. 18A to 18N are connected at the same time to receive the user's card use request signal from the bansa server 117 and the financial servers 118A to 118N. It is a means for transmitting / receiving data to and from various approval signals so as to approve the use of the card by transmitting to HP1 and HP2, receiving a response signal thereto, and transmitting to the bansa server 117 and the financial servers 118A to 118N.

In the figure, the ARS module 113 uses the ARS phone number assigned by the intelligent network switch (not shown) built in the mobile communication switch 116 to the user's mobile terminal (HP1, HP2) or wired telephone terminal (not shown). It is a means to be connected to the and output a predetermined guide voice, through which the user can select or cancel the use / withdrawal limit of the account / card, and change the limit by receiving the key signal selected by the user.

Accordingly, the ARS module 113 is connected to the bansa server 117 or the first to N-th financial servers 118A to 118N to exchange data. In addition, the Bansa server 117 or the first to Nth financial servers 118A to 118N receives a card / account usage request or cash withdrawal request signal from a window, an ATM terminal (not shown), or a merchant terminal (not shown). Then, the approval request signal for the mobile terminal (HP1, HP2) of the pre-registered customer can be authorized as well as SMS by sending the ARS as a reverse signal. Here, the ARS reverse signal means that the bansa server 117 or the first to N-th financial servers 118A to 118N attempts to connect the ARS call to the user's mobile terminals HP1 and HP2 in order to receive the approval signal. When the user responds to the call connection, a voice prompt message related to the use of the card or the account or the approval of cash withdrawal is output.

Further, the Bansa server 117 or the first to Nth financial servers 118A to 118N receive a card / account use or cash withdrawal request signal from a window, an ATM terminal (not shown), or a merchant terminal (not shown). Then, the approval password generation processor (not shown) configured therein generates a unique approval password for each case, transmits the approval password to the user's mobile terminal (HP1, HP2), and receives the approval password again. I can do it.

In this case, the approval password may be output on the screen of the user's mobile terminals HP1 and HP2, and is processed as a hidden value so that the user operates the SEND button on the keypad of the mobile terminals HP1 and HP2. Can be retransmitted back to the bansa server 117 or the first to Nth financial servers 118A to 118N without recognizing the authorization password. In addition, the user may connect to the bansa server 117 or the first to Nth financial servers 118A to 118N by ARS, and input the approval password to perform the approval process.

The functions and operations of the card / account management system according to the eighth embodiment of the present invention having the above-described configuration will be described in detail with reference to the accompanying drawings.

Fig. 25 is a flowchart showing signal flow of the card / account management system according to the eighth embodiment of the present invention.

First, FIG. 25 illustrates a process of inputting an authorization password using ARS and a signal flow of a card / account management system according to an eighth embodiment of the present invention centering on the authorization processing process, and using a known ARS. Will be omitted.

As shown in FIG. 24, in the state in which the linkage setting using the mobile terminals HP1 and HP2 is made, the user selects at least one or more specific accounts among the plurality of accounts using the mobile terminal HP1 to request lock setting. The mobile communication exchange 116 receives the code data for the lock setting request and transmits the information to the financial server 118A to 118N or the bansa server 117 to lock the use of the selected account. Set it.

In this state, when the card use signal is received from the financial server 118A to 118N or the bansa server 117 through an ATM terminal, a merchant card payment terminal, or the like, the financial server 118A to 118N or the bansa server 117 is used. Transmits a card use approval request signal to the mobile communication switch (116).

Then, the mobile communication exchange 116 or the financial server 118A to 118N or the bansa server 117 creates a unique approval password for each case, creates an SMS with a specific ARS number, and generates the SMS. Transfer to the mobile terminal (HP1) of the user who is the holder of the account. That is, query information about whether to unlock the account or the card is transmitted.

When the user wants to generate an approval signal by determining whether to release the approval signal for the use / cash withdrawal of the card / account, that is, whether to partially unlock the card / account according to the query information, Access ARS using the ARS phone number attached to the SMS.

Then, the approval password received in advance is inputted, or the approval password is transmitted to the financial servers 118A to 118N or the bansa server 117.

Then, the financial server 118A to 118N or the bansa server 117 compares the authorization password with the authorization password sent to it and determines whether it is matched, and if the user agrees, the user approves the use / withdrawal of the account / card. If it is determined that the card is accepted, an authorization signal is generated so that the card or account can be used. The card / account management process using short-range communication is similar to using an approval bar code, and generates an approval signal through a Bluetooth chip having mobile terminal information and approval information, and sends the approval signal to a teller terminal or an ATM terminal to unlock the account. Do it.

Fig. 26 is a block diagram showing the configuration of a financial server applied to the card / account management system according to the ninth embodiment of the present invention.

Referring to this, the financial server 118 ′ applied to the card / account management system according to the ninth embodiment of the present invention uses a financial server through a teller terminal and an ATM terminal to set up a quick account lock release at a window or an ATM terminal. The device may further include a bar code reader and a short range communicator using Bluetooth for transmitting the user's account lock release information.

That is, a short-range communication Bluetooth chip capable of performing short-range communication using Bluetooth is installed inside the user's mobile terminals HP1 and HP2, and a window terminal (not shown) and an ATM terminal (not shown) of a financial institution are installed. A short range communicator 212 for short range communication with the user's mobile terminals HP1 and HP2 is additionally mounted.

Therefore, when an authorization request signal is generated through the cash withdrawal and account transfer signal of the account with the lock set in the financial server 118 ', the authorization request signal is transmitted through the mobile communication switch 116 of the user's mobile terminal (HP1). , HP2). Then, the user's mobile terminals HP1 and HP2 receive the approval request signal from the financial server 118 ', and the user operates a key button to generate a unique approval signal preset in the Bluetooth chip together with the terminal number. . Therefore, the near field communication device 212 attached to the window terminal or the ATM terminal receives the approval signal and the terminal number information, and transmits it to the financial server 118 'so that the user's approval can be made. Since the Bluetooth chips provided in the user's mobile terminals HP1 and HP2 are well known technologies, description thereof will be omitted.

On the other hand, in place of the Bluetooth chip and the short-range communication unit 212, it is also possible to generate a bar code for approval and receive the approval signal through the reading of the bar code for approval, for example, the user is secured through the second approval of the account When receiving the barcode for approval from the financial server 118 'in advance to receive the service and stored in the terminal, when attempting to perform cash withdrawal and phone banking, Internet banking, bank transfer through the window of the account The financial server 118 'generates an approval request signal.

When the user's mobile terminals HP1 and HP2 receive the approval request signal from the financial server 118 ', the user operates a key button to output the approval bar code, which is added to the window terminal or the ATM terminal. Reading through the barcode reader 210 transmits the barcode information for approval to the financial server 118 '. Then, the financial server 118 'recognizes the user's mobile terminal and its account from the database established at the time of issuance of the corresponding barcode for approval to approve unlocking. The release of the account lock using the short-range communication and the bar code is very convenient because it enables the quick unlock of the account at the window or the ATM terminal.

To this end, the financial server 118A'-118N 'has an interface unit 172, an authentication center 174 (AUC), a connection module 176, a code interpretation processor 180, a lock setting processor 182 therein. , An authentication barcode generation processor 187, an account management processor 186, a barcode reader 210 or a short range communicator 212, a central control module 188, and an information storage unit 178.

The interface unit 172 is connected to the mobile communication switch 116 and transmits card use approval information for the mobile terminals HP1 and HP2, and code information for card use approval from the mobile terminals HP1 and HP2. Means for performing a data interface for receiving.

The connection module 176 is a means for transmitting and receiving various card use approval-related data by performing a connection with the mobile communication switch 116 via the interface unit 172, the code interpretation processor 180 is the mobile terminal (HP1, HP2) is a means for creating and transmitting the code information for the card use authorization, and interpreting the code for the card use authorization authorized from the mobile terminal (HP1, HP2).

The lock setting processor 182 is a means for executing the account lock setting and release according to the code interpretation of the card use authorization analyzed by the code analysis processor 180 for the account or card information of the registered user.

The authentication bar code generation processor 187 is a processor for generating an authentication bar code to read the bar code reader 210 included in the ATM terminal (not shown) or the window terminal (not shown) to release the account lock. As an example, the authentication barcode generation processor 187 generates a unique authentication barcode linked to the user's personal information, account number, and mobile terminal number, and the user generates the authentication barcode inside the mobile terminals HP1 and HP2. If authentication is required in the saved state, the screen is displayed.

The account management processor 186 classifies and manages a plurality of accounts or cards registered by a user for each user, and interoperates with the lock setting processor 182 to manage use of an account or a card.

The information storage unit 178 stores card or account information for each user's mobile terminal number, stores code information for approval of use of a card or account, and approval barcode information, and sets a card or account set by the user. The central control module 188 receives card and account authorization request signals generated from various card payment related terminals (not shown: merchant card payment terminal, window terminal, ATM, etc.). It receives the card and account use approval request information to the mobile terminal (HP1, HP2) of the user who is the card holder, and receives the authentication bar code information as a response signal to unlock the account of the user.

In addition, the short-range communication unit 212 shown in the figure is in response to the approval request signal transmitted from the financial server 118 'with the Bluetooth chip for short-range communication for approval mounted inside the user's mobile terminals HP1 and HP2. Accordingly, the approval signal is received through short-range communication with the user's mobile terminal (HP1, HP2) means for releasing the account lock.

At this time, the bar code reader 210 and the short-range communication unit 212 is, strictly speaking, attached to the window terminal or the ATM terminal of the financial institution, the data is interlocked with the financial server 118 '.

Fig. 27 is a flowchart showing signal flow of the card / account management system according to the ninth embodiment of the present invention.

First, the account approval process using the barcode for approval will be described. When the user selects at least one or more specific accounts from among a plurality of accounts using the mobile terminal HP1, and performs an account interworking setting request for lock setting, The mobile communication exchange 116 sets up an account interworking for the account, and transmits the information to the financial server 118 'to share the information.

Then, the financial server 118 ′ generates an approval barcode through the authentication barcode generation processor 187 provided therein, and transmits the barcode to the user's mobile terminal HP1 for storage therein.

In this state, when the use signal of the card / account is received through the ATM terminal, the merchant card payment terminal, or the like to the financial server 118A to 118N or the bansa server 117, the financial server 118A to 118N or the bansa server. 117 transmits a card use approval request signal and approval amount information to the mobile communication switch 116.

Then, the mobile communication switch 116 transmits the corresponding approval request signal to the user's mobile terminal HP1. The user operates the key button of the mobile terminal HP1 in accordance with the approval request signal to output the approval barcode.

Then, the barcode for approval is read to the barcode reader 210 provided in the window terminal or the ATM terminal connected to the financial server 118 '. The reading information is received by the financial server 118 'via the teller terminal or ATM terminal, and the financial server 118' unlocks the card and account. In this case, the approval barcode includes not only the number information of the mobile terminal HP1 of the user, but also the linked account information of the user.

On the other hand, as a result of receiving and comparing a barcode that the user outputs on the screen through the mobile terminal HP1 from the financial server 118 ', the barcode is inconsistent with the user's account information, or the user enters the mobile terminal HP1. If the user does not have the barcode information, the account lock of the corresponding user is not released, and thus cash withdrawal and account transfer are not performed through the account or the card.

On the other hand, the mobile terminal (HP1) registered for the second approval in the card / account management system according to each embodiment of the present invention can be used by registering a plurality of mobile terminals in a single account, a plurality of accounts It is possible to use with a single mobile terminal HP1 registered. For example, when a plurality of mobile terminals are registered in a single account, one main mobile terminal HP1 is registered as a higher terminal and the other mobile terminals are registered as lower terminals so that a user registers lower terminals using the upper terminal. You can change the status from time to time.

Hereinafter, a card / account management system according to a tenth embodiment of the present invention will be described.

FIG. 28 is a block diagram showing the configuration of a financial server applied to a card / account management system according to a tenth embodiment of the present invention.

First, the card / account management system according to the tenth embodiment of the present invention generates a separate authorization number from the financial server 118 'for authentication of a user using a mobile terminal that does not use the caller ID service, and the user Approves the user by retransmitting the corresponding approval number using the mobile terminal (HP1).

That is, when the use request signal of the account / card is received, the financial server 118 ′ transmits an approval request signal to the mobile terminal HP1 of the user based on the use request signal. In the state in which HP1 is set to prohibit the caller service, even when an approval signal is transmitted from the mobile terminal HP1, it is not known whether the mobile terminal HP1 is the mobile terminal HP1 of the user. Therefore, in this case, the present invention transmits a separate unique approval number from the financial server 118 'to the mobile terminal HP1 of the registered user in advance and confirms that the approval number is retransmitted to generate an approval signal. .

To this end, the financial server 118A'-118N 'has an interface unit 172, an authentication center 174 (AUC), a connection module 176, a code interpretation processor 180, a lock setting processor 182 therein. The authorization number generation processor 185, an account management processor 186, a barcode reader 210 or a short range communicator 212, a central control module 188, and an information storage unit 178 are configured.

The interface unit 172 is connected to the mobile communication switch 116 and transmits card use approval information for the mobile terminals HP1 and HP2, and code information for card use approval from the mobile terminals HP1 and HP2. Means for performing a data interface for receiving.

The connection module 176 is a means for transmitting and receiving various card use approval-related data by performing a connection with the mobile communication switch 116 via the interface unit 172, the code interpretation processor 180 is the mobile terminal (HP1, HP2) is a means for creating and transmitting the code information for the card use authorization, and interpreting the code for the card use authorization authorized from the mobile terminal (HP1, HP2).

The lock setting processor 182 is a means for executing the account lock setting and release according to the code interpretation of the card use authorization analyzed by the code analysis processor 180 for the account or card information of the registered user.

The authorization number generation processor 185 is a processor for generating a unique authorization number for each user so that a user can perform the approval of the corresponding user by inputting and retransmitting the same authorization number through the mobile terminal HP1. The number is linked to the user's account number and the mobile terminal number, and is transmitted to the mobile terminal HP1 as shown in FIG. 29 to output the screen. That is, as shown on the screen 214, a specific approval number, for example, "236890" is output and an input field 216 for inputting the approval number is provided, and an input field 218 for inputting a set amount of money for unlocking the account. ) Is displayed on the menu window.

Through the transmission and the retransmission of the approval number it is possible to perform the account management service for the mobile terminal (HP1) that is set prohibited caller display.

In addition, the account management processor 186 classifies and manages a plurality of accounts or cards registered by the user for each user, and interlocks with the lock setting processor 182 to manage the approval of the use of the account or the card.

The information storage unit 178 stores card or account information for each user's mobile terminal number, and stores code information for permission to use a card or account and unique authorization number information for each user, and is set by the user. The central control module 188 is a means for storing lock setting information of one card or account, and the central control module 188 is a card and account approval generated from various card payment related terminals (not shown: merchant card payment terminal, window terminal, ATM, etc.). After receiving the request signal, the card holder sends the card and account authorization request information and authorization number to the mobile terminal (HP1, HP2) of the user who is the card holder, and receives the authorization number sent as a response signal to receive the user's account. Means to unlock.

30 is a flowchart showing the signal flow of the card / account management system according to the tenth embodiment of the present invention.

First, when the user selects at least one or more specific accounts from among a plurality of accounts using the mobile terminal HP1, and performs an account linkage setting request that enables lock setting, the mobile communication exchange 116 interlocks an account with the corresponding account. Setting is performed and the account linkage setting information is transmitted to the financial server 118 '.

In this state, when the use signal of the card / account is received through the ATM terminal, the merchant card payment terminal, or the like to the financial server 118A 'to 118N' or the bansa server 117, the financial server 118A 'to 118N'. Or the bansa server 117 generates a unique approval number and approval request signal for each user, and corresponding mobile terminal number information and transmits the generated mobile terminal number information to the mobile communication switch 116.

Then, the mobile communication switch 116 transmits the unique approval number and the approval request signal to the corresponding mobile terminal and outputs the screen as shown in FIG. 29. The account lock release setting using the authorization number is preferably used when the identification of the mobile terminal number is impossible through the caller service prohibition setting of the mobile terminal HP1.

Therefore, when a user inputs the authorization number using the mobile terminal HP1 and inputs and releases the unlocked amount, the information is authorized by the financial server 118 'and compared with the stored unique authorization number. The account is unlocked by the amount of the corresponding unlocking amount using the corresponding unlocking amount.

If the authorization number compared by the financial server 118 'does not match or the user does not input the authorization number through the mobile terminal HP1 and transmits the account lock release information to the corresponding mobile terminal HP1, send.

Fig. 31 is a block diagram showing the construction of the card / account management system according to the eleventh embodiment of the present invention.

Referring to this, the card / account management system according to the eleventh embodiment of the present invention includes the securities servers 118A to 118N instead of the financial servers 118 and 118 ', and includes a plurality of securities accounts owned by a specific user. By transmitting the trading signal of the user to the mobile terminal of the user, and receiving the approval signal of the trading to generate a trading signal to block illegal securities trading other than the user. Since the subject that generates the approval request signal and receives the approval signal from the user's mobile terminal HP1 and releases the lock setting of the corresponding account is the securities server 118A to 118N instead of the financial servers 118 and 118 ', Eventually, when a securities trading signal such as stocks or futures is generated instead of an account transfer or cash withdrawal, the approval signal is received from the user and the securities trading approval processing is performed. Therefore, detailed description of the eleventh embodiment is omitted.

On the other hand, the card / account management system and the management method according to an embodiment of the present invention is not limited to the above embodiments, but various modifications can be made without departing from the technical gist of the present invention.

As described above, the card / account management system and the management method according to the present invention receives the interest-free installment information and various discount information, reserve information from a credit card company, affiliated stores, Internet shopping malls, etc. registered in the server, the customer smart If you register a lot of credit card information stored in the card and set up automatic payment, when the customer uses the smart card, the interest-free installment is the longest, the discount rate is high, or the amount of the accumulated amount is ranked according to the credit card of the customer. By selectively selecting payment cards to make payments automatically, a customer can receive the best payment service even without knowing information about discount rate or interest-free installment. In addition, when the card, bankbook or stamp is stolen or lost, or when the card is illegally copied, the approval signal is generated from the user's mobile terminal separately from the approval of the financial company or the ban. By using an account or a card, it is possible to construct a complete financial security device, and by unlocking a certain amount according to the user's setting, the card or account can be used without additional approval. In addition, by releasing the lock every day, the withdrawal amount that can be used without approval or the usage amount can be renewed, so that a safer financial service can be used.

Claims (32)

A smart card having a plurality of credit card information, account information and customer information in memory; A card payment terminal having a key input unit, a display unit for outputting various data, and a communication module for reading a plurality of credit card information from the smart card and inputting a payment signal and payment information; Access to the server that manages the payment of the smart card, register a plurality of credit card information stored in the smart card, and a web browser is embedded inside to selectively enter the credit card payment priority information and communication, such as a modem A customer terminal equipped with a module; A card authentication server for performing authentication on a corresponding card according to a payment signal transmitted from the smart card payment terminal; A credit settlement server for performing credit settlement according to the authorized payment signal and payment card information through the card authentication server and registering interest-free installment information and reserve information of the credit card company in a card settlement / management operation server; Access interest through the credit settlement server to register interest-free installment information and reserve point information, register a plurality of credit card information stored in the smart card through the customer terminal and set the payment priority information to the card payment signal from the merchant later The card / account management system, characterized in that configured as a card payment / management operation server for automatically performing the payment processing by selecting a specific credit card according to the customer setting information is authorized. According to claim 1, wherein the card payment / management operation server registers the interest-free installment information and the reserve points provided by the credit card company in order of the interest-free installment months and the accumulated amount of each credit card registered / Account management system. According to claim 1, The card payment / management operation server is provided with a common gateway interface (CGI) therein to be able to transmit and receive various information by accessing from the card payment terminal, customer terminal, credit settlement server, various signal processing A communication processor for performing; A member information manager that manages new registration and update of customer information authorized from the customer terminal; A card information manager configured to manage registration and update of specific smart card information registered by the customer and card information stored therein through the customer terminal; A credit settlement information management unit configured to receive and receive interest-free installment information, point information, and special merchant point information transmitted from the credit settlement server; An affiliated store information management unit configured to manage the seller information of a seller having a card payment terminal that reads the smart card information and generates a payment signal; Interface the payment information and payment card information authorized to the card payment terminal to a credit settlement server, and store various types of authorized or generated information that stores and manages the credit payment information transmitted from the credit settlement server in the format of the terminal or server of the destination. An information processor which suitably performs data processing; A card sorting criteria management unit for setting and managing card sorting criteria such as interest-free installment or reserve amount, discount priority, etc. which are set in advance through the customer terminal; A member DB for storing customer information; A card information DB for storing a smart card registered by the customer and card information embedded in the smart card; A credit settlement information DB for registering credit card company information; A merchant information DB for storing various merchant information; A card selection information DB for storing information of interest-free installment order or accumulated amount order and discount priority order which are the card selection information set by the customer differently for each customer; The customer registers the interest-free installment information and the reserve point information authorized by the credit card company, and registers the smart card information authorized through the customer terminal and a plurality of credit card information stored therein, respectively. When generating a payment signal using the card / account management system, characterized in that consisting of a control unit for performing the automatic payment processing according to the pre-registered interest-free information and reserve point information. The card / account management system according to claim 1, wherein a mobile terminal which is embedded in the form of a chip instead of the smart card and stores a plurality of credit card information in the chip is also possible. Registering, by the credit settlement server, interest-free installment information or reserve point information to the card settlement / management server; A process of the card payment / management operation server determining and reordering interest-free installment information or reserve point information transmitted from various credit settlement servers; Registering a smart card information and credit card information stored therein by accessing the card settlement / management server through a customer terminal; Reading a card information from a smart card of a customer and sending the card information to a card payment / management operation server in order to pay for a product; Automatically selecting, by the card payment / management operation server, a specific payment card having a long interest-free installment period or a high reserve point based on the card information of the customer; Allowing the card payment / management operation server to make a credit payment based on the selected card information; When the credit settlement is completed, the card payment / management operation server, the card / account management method comprising the step of transmitting the payment details to the smart card payment terminal. The process of claim 5, wherein the process of registering the card information further includes the process of selecting and inputting whether the customer pays the criteria for card selection in the order of interest-free installment priority or in the order of higher reserve points. Card / account management method characterized in that. The method of claim 5, further comprising: transmitting, by the card settlement / management server, credit card information registered by the customer to a corresponding credit card company; Providing interest-free installment or reserve information to be differentiated for each customer in the credit card company; Upgrading and storing interest-free installment and reserve information for each customer; And transmitting the stored information to the customer terminal. The method of claim 7, wherein when the credit card company provides interest-free installments or reserves to be differentiated for each customer, it may be a case where a customer satisfies a condition that a payment must be made for a predetermined amount or more. A smart card having a plurality of credit card information, account information and customer information in memory; A smart card payment terminal having a key input unit, a display unit for outputting various data, and a communication module for reading a plurality of credit card information from the smart card and inputting a payment signal and payment information; An affiliated store owner terminal having a web browser embedded therein and equipped with a communication module such as a modem to register event discount information and accumulated discount information for providing to a remote server; Access to the server that manages the payment of the smart card, register a plurality of credit card information stored in the smart card, and a web browser is embedded inside to selectively enter the credit card payment priority information and communication, such as a modem A customer terminal equipped with a module; A card authentication server for performing authentication on a corresponding card according to a payment signal transmitted from the smart card payment terminal; A credit settlement server for performing credit settlement according to an authorized payment signal and payment card information through the card authentication server; Access through the affiliated store owner terminal to register the event discount information and accumulated discount information, register a plurality of credit card information stored in the smart card through the customer terminal and set the payment priority information to the card payment signal from the subsequent merchant and The card / account management system, characterized in that configured as a card payment / management operation server for automatically performing the payment processing by selecting a specific credit card according to the customer setting information is authorized. 10. The dummy terminal of claim 9, wherein when the affiliate store is an internet shopping mall, a dummy terminal, which is a smart card reader for reading a plurality of credit card information from a smart card, is mounted on the customer terminal instead of the smart card payment terminal provided at the affiliate store. Card / account management system, characterized in that. Registering and sending event discount information or accumulated discount information to the card payment / management operation server through the affiliate store owner terminal; The card settlement / management operation server determining and rearranging the ranking of the event installment information or the discount information transmitted from the plurality of card payment terminals; Registering a smart card information and credit card information stored therein by accessing the card settlement / management server through a customer terminal; Reading a card information from a smart card of a customer and sending the card information to a card payment / management operation server in order to pay for a product; Automatically selecting a payment card from the card settlement / management server in order of event discount information or accumulated discount amount based on the card information of the customer; Allowing the card payment / management operation server to make a credit payment based on the selected card information; When the credit settlement is completed, transmitting, by the card payment / management operation server, the payment details to the smart card payment terminal; The card / account management method comprising the process of performing the settlement process with the credit card company for the discount price of the merchant. Card payment terminal with built-in display unit and communication module to read a plurality of credit card information from the customer's smart card, and to output the text and image information to provide to the remote server by inputting the payment signal and payment price information Wow; In order to register a plurality of credit card information stored in the smart card by accessing the remote server that manages the payment of the smart card and to selectively input the credit card payment priority information in advance, a web browser is provided inside and a modem or the like is provided. A customer terminal equipped with a communication module; A card authentication server for performing authentication on a corresponding card according to a payment signal transmitted from the card payment terminal; First to N-th credit settlement servers receiving credit signals and payment card information authorized through the card authentication server to perform credit settlement; A database for storing each member information, card information registered by the member, interest-free installment information registered by the credit card company, and reserve point information is provided, and smart card information authorized through the customer terminal and a plurality of credit cards stored therein are provided. The information is stored in association with each other, and according to the customer's payment signal, the automatic payment processing is performed in the order of long interest-free installment period or more points in accordance with pre-registered interest-free information and reserve point information, and linked with an automatic response processing device. And a card payment / management operation server for processing to enable the customer to change and register the preset card payment criteria in accordance with the key signals authorized through various terminals; Receives information on interest-free installment information of each credit card company registered in the card payment / management server, reserve information, and information on a predetermined card payment standard, and outputs the screen, and the card preset in the card payment / management server Card / account management system, characterized in that consisting of a mobile terminal to register the change of payment criteria. The method of claim 12, wherein the information output through the mobile terminal includes the corresponding mobile terminal number, all registered card information, interest-free installment or reserve amount information for each registered card, currently set payment card information, and server access number information for resetting. Card / account management system, characterized in that. Registering, by the credit settlement server, interest-free installment information or reserve point information to the card settlement / management server; A process of the card settlement / management operation server determining and reordering interest-free installment information or reserve point information transmitted from various credit settlement servers; Registering a smart card information and credit card information stored therein by accessing the card settlement / management server through a customer terminal; Reading a card information from a smart card of a customer and sending the card information to a card payment / management operation server in order to pay for a product; Accessing a server using a mobile terminal to reset a payment card condition; Automatically selecting, by the card payment / management operation server, a specific payment card having a long interest-free installment period or a high reserve point based on the card information of the customer; Allowing the card settlement / management server to make a credit payment based on the selected card information; When the credit settlement is completed, the card payment / management operation server, the card / account management method comprising the step of transmitting the payment details to the smart card payment terminal. A first approval means configured to constitute a financial server or a bansa server to generate an approval signal by performing authentication of a corresponding card when a use approval request signal is generated from an ATM or an affiliated card payment terminal; In addition to the primary approval means, the mobile terminal is configured to generate an approval signal for the use of the account or card set by the user. Secondary approval means for generating a signal; Register the account or card designated by the user in advance through the second approval means, perform lock setting / release setting of the account or card designated through the second approval means, and use the card or account use signal from the first approval means. In the case of a card or an account that has been received and locked, the SMS, which is query data about whether the user is approved, is transmitted to the second approval means, and the response data is received and transmitted to the first approval means so that the account or card can be used. Approval setting means; Card comprising a data communication means for transmitting and receiving various data, consisting of a mobile communication base station, a mobile communication relay station, and a mobile communication control station interposed between the first approval means, the second approval means, and the approval setting means. Account management system. 16. The apparatus of claim 15, wherein the secondary approval means selects the other party's telephone number according to a user's selection operation, inputs a character for writing a text message, selects a card, and selects various menu functions for use approval. A function key button having a plurality of function key buttons for creating a code information for the card use approval by performing a selection key input for a short message on the transmitted card use approval request; A mode setting key button for executing the lock setting mode for card use approval, a registration key button used in combination with a # key button for registering lock setting and release in the corresponding lock setting mode, and a display on the display unit. A key input unit including an up / down key button for selecting an account and a lock setting / release menu, and a number key button for inputting a password at lock setting / release; Display of the account number and financial company information according to the function operation state of the key input unit, and visually display the display state or selection state of the lock setting and release setting mode for the account, and approves the use of the card transmitted from the mobile communication exchange. A display portion made of thin display means such as, for example, a liquid crystal display element for visually displaying the request message; A duplexer for separating a transmitted / received signal by performing wireless communication with a base station of a mobile communication network through the antenna; A receiving unit which receives voice signals or text information from a mobile communication terminal, a wired telephone terminal or a mobile communication exchange on the other side through the antenna and the duplexer; A transmission unit for filtering and amplifying a voice signal input from the microphone and code information set according to an account lock setting / release mode so as to be transmitted; A voice processor for processing a voice signal received from the other party received through the receiver to be output through the speaker, and processing a voice signal of the user received from the microphone to output the signal to the transmitter; A code data table for account data for account lock setting and code information table for selection information for account lock setting / cancellation setting, and a memory interworked with a processor for account lock setting / cancellation setting; Under the execution of the account lock setting / release setting mode by the key operation of the key input unit, code information for the account lock setting / release setting selected by the key input unit is created through the code information table from the memory and the remote server is executed. Card / account management system, characterized in that consisting of a control unit for transmitting to. 16. The apparatus according to claim 15, wherein the approval setting means comprises: an authentication center for authenticating whether the mobile terminal is legally used; The mobile communication base station processes the call generated from the mobile terminal through the mobile communication relay station and the mobile communication control station, and receives the card use approval request information in association with the bansa server and the financial server to receive an additional card. A connection exchange unit which performs a data interface for transmitting the use approval request information; A network connection module for forming a call path of the mobile terminal by translating the number of the mobile communication terminal, and receiving the account lock setting / release setting information for the card use approval; A number translation processor for performing number translation to search for an account associated with the mobile terminal by interpreting the information on the account lock setting / release setting received from the mobile terminal and the number of the mobile terminal; An SMS processing processor configured to perform SMS generation processing for creating a SMS and inquiring a user of information on a card use approval request received from the bansa server and the financial server; A code processing processor for receiving code data on the account lock setting / release setting from the mobile terminal and processing the code together with the mobile terminal number; A data interworking processor performing data interworking with the bansa server and the financial server and data interworking processing for each user account in order to receive card use approval request information in connection with the bansa server and the financial server; It is to control various functions related to call connection and data transmission / reception including the call path setting of the network connection module, and recognizes the code information and the mobile terminal number transmitted from the mobile terminal performing the account lock setting / release setting. A central control module for storing in the information storage unit and controlling to set or release the lock on the corresponding corresponding account and transmit the information to the bansa server and the financial server; While receiving and storing the code information transmitted from the mobile terminal that performs the account lock setting / release setting, and storing the account information for each user, and stores a text message for the card use approval request information from the Bansa server and the financial server Card / account management system, characterized in that consisting of information storage. 16. The data interface of claim 15, wherein the first approval means is connected to the permission setting means to transmit an SMS of card use approval information for a mobile terminal, and to receive code information for card use approval from the mobile terminal. An interface unit for performing; A connection module for transmitting / receiving various card use approval-related data by performing connection with the permission setting means through the interface unit; A code interpretation processor for creating and transmitting code information about a card use approval to the mobile terminal and interpreting a code for the card use approval authorized from the mobile terminal; A lock setting processor for executing the account lock setting and the release of the account or card information of the pre-registered user in accordance with the code interpretation of the card use authorization analyzed by the code analysis processor; An SMS generation processor for creating a text message for transmitting the information to the mobile terminal of the user, when an authorization request signal for card use is received from an ATM terminal or a bansa server; An account management processor which classifies and manages a plurality of accounts or cards registered by a user for each user, and manages the approval of the use of the account or the card in association with the lock setting processor; An information storage unit which stores card or account information for each user's mobile terminal number, and stores code information for permission of use of the card or account and lock setting information of the card or account set by the user; Receives the card approval request signal generated from various card payment related terminals (such as merchant card payment terminal or ATM), sends card use approval request information to SMS to the mobile terminal of the user who is the card holder, and sends a response signal. Card / account management system, characterized in that consisting of a central control module for accepting card use upon receipt. 19. The card / account management system according to claim 18, wherein the SMS for approving the use of the card to the mobile terminal further includes shipment control packet data automatically resent to the financial server according to a user's confirmation button operation. . Interlocking a card or account of a specific user established in a financial server or a bansa server linked to a mobile communication exchange to enable a remote lock setting using a mobile terminal; Receiving a request for approval of the use of a card or account to the financial server or the bansa server; A first approval process for authenticating the card or account; Requesting the mobile communication exchange for second use authorization of the card or account; Determining whether a lock is set on the card or account; When the lock is set, transmitting a short message on whether to release the lock to the mobile terminal of the user; And a second authorization signal generated by the user unlocking the card or account using the mobile terminal. 21. The card according to claim 20, further comprising the step of generating a second approval signal on its own regardless of the user's approval if the user's card or account lock is not set in the mobile communication exchange. / How to manage your account. 21. The method of claim 20, wherein the process of generating the second approval signal by releasing the lock of the card or account using the mobile terminal comprises: inputting a separate password different from the password of the card or account; Selecting an account or card for unlocking; A method of managing a card / account further comprising the step of selecting a menu for unlocking and setting. 21. The method of claim 20, further comprising: unlocking an amount of money that can be withdrawn / used from a corresponding card or account using a mobile terminal; Transmitting a second approval request signal and a usage amount information from a financial server or a bansa server; Determining whether a lock of the account or card is set; Determining whether the corresponding usage amount is larger than the lock setting amount; The card / account management method further comprises the step of generating a second approval signal. 24. The method of claim 23, wherein the user sets a certain amount of the card or account by using a mobile terminal to release the lock on the use of the amount; The card / account management method, characterized in that it may further include the step of updating the lock on the daily use amount to be released daily. 17. The card / card according to claim 16, wherein the secondary approval means further includes an ARS module for allowing a user to access a user / draft approval limit for an account and a credit card, and to select according to the voice guidance. Account management system. 17. The method of claim 16, wherein the control unit transmits a user's use / withdrawal approval request signal for an account and a credit card to the user's mobile terminal and receives the user's confirmation and approval signal by retransmitting. Card / Account management system, characterized in that generating a unique authorization password. 21. The method of claim 20, further comprising: generating a unique authorization password for each case at a financial server or a bansa server when a use / withdrawal request signal of a card / account is generated; Transmitting the approval password to the user; Transmitting, by the user, the approval password together with the approval signal to the financial server or the bansa server; And comparing the re-transmitted authorization password with the sent authorization password to determine whether or not the card is matched. When the authorization request signal is generated from the ATM or merchant card payment terminal, which is composed of a financial server or a bansa server, authentication of the card is performed to generate an authorization request signal, and a barcode for authorization is generated and transmitted to the mobile terminal of the user. Primary approval means configured to be interlocked with the bar code reader and the short-range communicator to receive an approval signal for approval or not and to unlock the account; In addition to the first approval means, the mobile terminal is configured to generate an approval signal for use of an account or a card set by the user, and receives the barcode information for approval and approval request signal for approval or not. Secondary approval means for reading the approval bar code for the card or the account to the barcode reader for the approval or generating the approval signal through short-range communication; Register the account or card designated by the user in advance through the second approval means, perform lock setting / release setting of the account or card designated through the second approval means, and use the card or account use signal from the first approval means. Approval setting means for receiving and transmitting the approval request signal to the second approval means and transmitting the approval signal transmitted from the second approval means to the first approval means; Card comprising a data communication means for transmitting and receiving various data, consisting of a mobile communication base station, a mobile communication relay station, and a mobile communication control station interposed between the first approval means, the second approval means, and the approval setting means. Account management system. 29. The method of claim 28, wherein the primary approval means is connected to a mobile communication exchange to transmit card usage approval information for the mobile terminal, and to perform a data interface for receiving code information on the card usage approval from the mobile terminal. An interface unit; A connection module for transmitting / receiving various card use approval-related data by performing connection with a mobile communication switch via the interface unit; A code interpretation processor for creating and transmitting code information about a card use approval to the mobile terminal and interpreting a code for the card use approval authorized from the mobile terminal; A lock setting processor for executing the account lock setting and the release of the account or card information of the pre-registered user in accordance with the code interpretation of the card use authorization analyzed by the code analysis processor; An authentication bar code generation processor for generating an authentication bar code that can unlock the corresponding account by reading from a bar code reader provided in the ATM terminal or the window terminal; An authentication barcode generation processor for generating a unique authentication barcode linked to the user's personal information, account number, and mobile terminal number; An account management processor which classifies and manages a plurality of accounts or cards registered by a user for each user, and manages the approval of the use of the account or the card in association with the lock setting processor; Card or account information for each user's mobile terminal number is stored, code information for approval of use of the card or account, approval barcode information, and information for storing the lock setting information of the card or account set by the user. A storage unit; Receives card and account authorization request signals generated from various card payment related terminals and sends card and account authorization request information to the mobile terminal (HP1, HP2) of the user who is the card holder. Card / account management system, characterized in that configured to receive the central control module for unlocking the account of the user. 30. The apparatus according to claim 29, wherein in the primary approval means, an authorization number for generating a unique authorization number for each user so that a user can enter the same authorization number through the mobile terminal HP1 and retransmit the approval of the user. Card / Account management system, characterized in that it further comprises a generation processor. Interlocking a card or account of a specific user established in a financial server or a bansa server linked to a mobile communication exchange to enable a remote lock setting using a mobile terminal; Generating a unique barcode for each user in the financial server and transmitting the generated barcode to the mobile terminal of the corresponding user; Receiving a request for approval of the use of a card or account to the financial server or the bansa server; A first approval process for authenticating the card or account; Requesting the mobile communication exchange for second use authorization of the card or account; Reading a corresponding barcode for approval in the barcode reader provided in the window or the ATM terminal; Comparing the corresponding barcode for approval read from the mobile terminal with the barcode for approval linked to the card / account generating the approval request signal; Card / account management method characterized in that the process of generating a second authorization signal by releasing the lock of the card or account. 29. The method of claim 28, wherein the second approval means is equipped with a Bluetooth chip that generates a unique approval signal instead of storing a bar code for approval therein, and the near field communicator is connected to the first approval means from the corresponding Bluetooth chip. Card / account management system, characterized in that it is possible to receive the generated authorization signal.