KR20040076671A - Method for applicationg unsigned prepay card using a numbering system of direct payment card - Google Patents

Abstract

PURPOSE: A method for operating an unregistered prepayment card using a debit card number system is provided to freely use the unregistered prepayment card at a general credit card member shop by using the debit card number system. CONSTITUTION: In response to a purchase request, the unregistered prepayment card storing a card number following the debit card number system and the price information is issued(S401). The unregistered prepayment card is activated to a usable state by registering the issuance information of the unregistered prepayment card to a database(S402). A use approval of the unregistered prepayment card is certified by responding to a use approval request of the issued unregistered prepayment card(S403).

Description

Method for applicationg unsigned prepay card using a numbering system of direct payment card}

The present invention relates to a method for operating an anonymous prepaid card, and more particularly, to a method for operating an anonymous prepaid card using a debit card number system.

As regulations on the issuance of gift certificates have been eased in 1999, more than 2,000 types of gift certificates are currently being used as part of marketing tools such as new customer creation and sales increase, and it is no exaggeration to say that they are the era of gift certificates.

The size of the gift certificate market is about 7 trillion won per year as of 2002, and its size is expected to increase further. However, the scope of distribution of the gift certificate is limited.

For example, department stores, gas stations, and department store vouchers can only be used by the issuing issuer and a small number of affiliated stores. Similarly, CMS coupons can be used only at affiliated stores.

As such, there are many restrictions on the use of gift certificates up to now, and there are many restrictions on the payment method according to the purchase of gift certificates. In other words, some Internet gift vouchers can be used to purchase gift certificates using personal credit cards. However, most of the vouchers do not use credit cards as a payment method for purchasing vouchers. There is also a high risk of tax evasion due to the preferential cash sale.

In addition, since the user cannot use a personal credit card as the payment method, there will be a limit in utilizing various points earned according to the use of the credit card.

As such, the distribution channel is limited in the way of operating the gift certificate up to now, and it can be purchased on the Internet, but the payment function during the e-commerce is still insignificant. It is possible, but it is not used as a payment method according to the e-commerce in all shopping malls at home and abroad, such as credit cards.

On the other hand, when using the electronic money or prepaid card used similarly to the gift certificate on the Internet, there is a disadvantage that it can not function as a gift to another person, which is the main function of the gift certificate because the transaction is made only through their ID and password.

In addition, according to the operation of the gift certificate up to now, there is a problem that settlement of the gift certificate and coupon distribution price is inconvenient. In other words, most existing gift voucher distributors collect the vouchers received from users manually and transfer them to the issuer that issued the vouchers to settle the voucher distribution price in the form of receiving the relevant amount excluding the voucher distribution fee. As a result, the commercial details and the sales results of gift certificates are not computerized.

On the other hand, the prepaid card is proposed to solve some of the disadvantages caused by the operation of the gift voucher, but also inconvenient to use in that it is used only in a specific merchant where a prepaid card contract is concluded, such as an existing cultural gift voucher. Is still present, there was a problem that a separate terminal is required in order to obtain the approval of the prepaid card.

The present invention has been made to solve the above problems, and an object of the present invention is to provide a method of operating a bearer prepaid card using a debit card number system that can be freely used in a general credit card merchant using a debit card number system.

Another object of the present invention is to provide a variety of payment and payment means for buyers and merchants to enable anonymized commerce, which can be said to be an advantage of gift certificates, and at the same time prevent and avoid evasion and evasion, which can be called the disadvantages of gift certificates. This is to provide a method of operating a bearer prepaid card using the Korean debit card number system.

1 is a system configuration according to the method of operating a bearer prepaid card using the debit card number system of the present invention

2 is a view for explaining a debit card number system for explaining the method of using the bearer prepaid card using the debit card number system of the present invention.

3 is a configuration diagram of a system for operating a bearer prepaid card when withdrawing cash from abroad using a bearer prepaid card according to the debit card numbering system of the present invention;

Figure 4 is a schematic flowchart illustrating a method of operating a bearer prepaid card using the debit card number system of the present invention

5 to 6 is a flow chart for explaining the issuance step according to the method of operating the anonymous prepaid card according to the present invention

7 is a flowchart illustrating a process in which the use of the bearer prepaid card is approved in the case of using the bearer prepaid card according to the present invention as a means of payment after purchasing goods or services at a merchant using the bearer prepaid card of the present invention.

8 is a flowchart illustrating a process of approving the anonymous prepaid card when withdrawing cash from abroad using the anonymous prepaid card according to the present invention.

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

21, 51: ATM 23: Internet network

25: card issuing agency terminal 27: merchant terminal

29: VAN company server 31, 53: financial company server

55: network center 100: buyer terminal

200: Issuer system 200a: Web server

200b: prepaid card management server 200c: card information DB

200d: Merchant DB

In the method of operating a bearer prepaid card using the debit card number system of the present invention for achieving the above object, in the bearer prepaid card operating method having a card number conforming to the debit card number system, the debit card number system corresponds to a purchase request. An issuing step of issuing a bearer prepaid card having stored card number and amount information, an activation step of registering the issuance information of the issued bearer prepaid card in a database to activate the bearer prepaid card in a usable state, and issuing the issuance And an authentication step of authenticating the use of the anonymous prepaid card in response to the request for approval of the anonymous prepaid card.

Here, the issuance information includes the date and time of issuance, the place of issuance, and the card number of the issued bearer prepaid card, and the issued bearer prepaid card can be recharged within the limit of the issuance amount.

In addition, the method of operating a bearer prepaid card using the debit card number system of the present invention authenticates the buyer by giving a password to the issued bearer prepaid card, and grants a scratch-type random number check to the issued bearer prepaid card through a normal procedure. It may be issued by indicating that it is purchased and activated.

In addition, the issuance of an anonymous prepaid card using the debit card number system of the present invention includes a method in which a buyer directly accesses the issuing system through his terminal and makes a purchase, and a method of purchasing in a card issuer.

In this case, the method of purchasing by accessing the direct issuer system may include receiving prepaid card purchase request information from a purchaser terminal through an internet network, requesting payment payment for the prepaid card purchase to the purchaser terminal, and the purchaser. If the payment information is received from the terminal comprises the step of issuing a bearer prepaid card that stores the card number following the debit card number system and the amount of information desired by the buyer.

For reference, when the card issuer purchases the bearer prepaid card according to the present invention, the card issuer terminal transmits the issuance information of the issued bearer prepaid card to the issuer system through the Internet network and registers it in the database of the issuer system. It is desirable to.

On the other hand, the method of operating a bearer prepaid card using the debit card number system of the present invention may withdraw cash using an ATM. In the method of operating a bearer prepaid card using the ATM, first, a cash withdrawal request using a bearer prepaid card is used. Identifying the issuer that issued the bearer prepaid card at the ATM, wherein the ATM recognizes the IIN information from the card number of the bearer prepaid card according to the debit card numbering system; Issuance information and usage approval request information including the card number, amount information of the anonymous prepaid card is transmitted to the system, and whether there is an abnormality of the anonymous prepaid card that requested the use approval by the issuer system that received the usage approval request information. If it is determined that there is no problem, the use approval information is transferred to the ATM. And sending cash to withdraw money.

The above operating method is a case where the ATM is directly operated by the issuer and the card issuer who issued the anonymous prepaid card, and when using an existing ATM, the debit card number system corresponding to the cash withdrawal request using the anonymous prepaid card. And transmitting the issuance information and usage approval request information of the anonymous prepaid card from the ATM to the VAN server, which recognizes the INN information from the card number of the anonymous prepaid card, which is included in the card number of the anonymous prepaid card. Transmitting the issuance information and usage approval request information of the anonymous prepaid card from the VAN company server that identifies the financial company affiliated with the anonymous prepaid card from the IIN information to the server of the financial prepaid card; and included in the card number of the anonymous prepaid card. Of the financial company that has identified the issuer that issued the anonymous prepaid card from the completed IIN information. Transmitting the issuance information of the anonymous prepaid card and the use approval request information to the issuer system that issued the anonymous prepaid card, and whether the anonymous prepaid card is available in accordance with the use approval request information received from the financial institution server. Transmitting usage approval information from the issuing system to the server of the financial institution; transmitting the usage approval information from the financial institution server to the VAN company server; and wherein the usage approval information is transmitted from the VAN company server to the ATM. And sent to the buyer to withdraw cash to the buyer.

In addition, the bearer prepaid card according to the debit card number system according to the present invention may be used as a payment means for purchasing goods and services. That is, the method of operating a bearer prepaid card used as a payment method according to the purchase of goods and services, first, the bearer prepaid to the VAN server from the merchant terminal that recognizes the card number of the bearer prepaid card presented as a payment method according to the purchase of goods and services. Transmitting the issuance information of the card and use approval request information; and from the VAN company server identifying the financial company affiliated with the anonymous prepaid card from the IIN information included in the card number of the anonymous prepaid card, to the server of the corresponding financial company. The issuing system of the issuing company on the server of the financial company that identifies the issuer that issued the anonymous prepaid card from the IIN information included in the card number of the anonymous prepaid card; Issuing information and use approval request information of the anonymous prepaid card And transmitting usage approval information from the issuing system confirming the use of the anonymous prepaid card to the server of the financial institution in response to the usage approval request information received from the financial institution server, wherein the usage approval information is transferred from the financial institution server. And transmitting the usage approval information from the VAN company server to the affiliated store terminal to make a payment.

In addition, the bearer prepaid card according to the debit card number system according to the present invention may be used to withdraw cash using ATM machines in foreign countries.As such, the method of operating a bearer prepaid card using an ATM machine in a foreign country requires a cash withdrawal request using a bearer prepaid card. The issuance information and approval request information of the bearer prepaid card is sent from the ATM which identifies the foreign banking institution to the server of the banking institution from the INN information included in the card number of the bearer prepaid card corresponding to the debit card number system. Issuing information of the anonymous prepaid card from the financial company server identifying the network center of the card company affiliated with the anonymous prepaid card from the IIN information included in the card number of the anonymous prepaid card; Transmitting the use approval request information; and Transmitting issuance information and usage authorization request information of the bearer prepaid card from the card company network center of the overseas card company that identifies the domestic card company affiliated with the bearer prepaid card from the IIN information included in the card number; Issuance information of the anonymous prepaid card and use approval request information are transmitted from the domestic card company server that identifies the issuer who issued the anonymous prepaid card from the IIN information included in the card number of the anonymous prepaid card to the system of the corresponding issuance. And transmitting usage approval information from the issuing system confirming the availability of the anonymous prepaid card to the domestic card company server according to the usage approval request information received from the domestic card company server. The card company network sensor of the overseas from the card company server To the foreign financial institution server, the use approval information is transmitted from the card company network center to the foreign financial institution server, and the use approval information is transmitted from the foreign financial institution server to the foreign ATM machine to withdraw cash. It is made to include.

Hereinafter, an anonymous prepaid card operating method using the debit card number system of the present invention will be described with reference to the accompanying drawings.

First, the debit card number system used in the anonymous prepaid card operating method using the debit card number system of the present invention will be described.

FIG. 1 illustrates a debit card number system in which an anonymous prepaid card can be used in an existing credit card payment system. The international system of card numbers is largely divided into a credit card and a debit card. Distinguish a brand by its first digit.

For example, if the first digit of ① starts with 3, it is a JCB card, if it starts with 4, it is a VISA card, and if it starts with 5, it indicates that it is a MASTER card. It is called Fix number.

On the other hand, the debit card also has a number system similar to the above credit card, the debit card is called an IIN (Issue Identification Number) instead of BIN or Pre-Fix, the IIN information in the method of operating the anonymous prepaid card according to the present invention By introducing a debit card number system, using the bearer prepaid card according to the present invention in the existing credit card system, it is also possible to withdraw cash at home and abroad.

For reference, the number corresponding to ② is a serial number for identification of individual prepaid cards for each card issuer, and these numbers are stored in the database of each issuer authentication system, and this information is stored in the track II of the existing card. In accordance with the contract with the company, the full text will be delivered either directly or through a merchant to authorize the use of the prepaid card. In addition, ③ is a check digit (Check digit) for confirming the modulation, and ④ is for user authentication.

On the other hand, Figure 2 illustrates a system configuration for explaining a method of operating a bearer prepaid card using the debit card number system of the present invention.

As shown in Fig. 2, the bearer prepaid card operating system using the debit card number system of the present invention issues and manages the bearer prepaid card according to the debit card number system, and the bearer prepaid according to the request for the use of the bearer prepaid card. Issuing system 200 that performs card authentication, and communicates with the issuer system 200 through a dedicated line, and can recognize the IIN information from the card number of the anonymous prepaid card Issuance information (card number, amount information, date and time of issue of the bearer prepaid card, which is installed in the ATM machine 21 and the card issuer that issues the bearer prepaid card according to the debit card number system). Card issuer terminal 25 for transmitting the issuing place, etc.) to the issuing system 200 through the Internet network 23, and the use approval request information corresponding to the payment request using the bearer prepaid card. Sent to 200 It is configured to include a merchant terminal 27.

In addition, in the anonymous prepaid card management system using the debit card number system of the present invention, it is preferable that the VAN company server 29 and the financial company server 31 are connected between the affiliated store terminal 27 and the issuer system 200. Do. The VAN company server 29 recognizes the IIN information from the card number of the anonymous prepaid card received from the merchant terminal 27 to identify the financial company (card company and bank) associated with the merchant terminal 27 and then the financial company The card 31 of the bearer prepaid card is sent to the server 31 with the issue information such as the card number and the amount information, and the use approval request information. The financial company server 31 also recognizes the IIN information from the card number of the bearer prepaid card. After identifying the issuer who issued the prepaid card, the card number, amount information, and use approval request information are transmitted to the corresponding issuer system 200.

On the other hand, the issuer system 200 communicates with the purchaser terminal 100 and the card issuer terminal 25 through the Internet network 23, and receives the purchase request information and payment information from the purchaser terminal 100; Issuance and management of a bearer prepaid card according to the debit card number system corresponding to the web server 200a for providing various additional information to the purchaser terminal 100 and the card issuer terminal 25 and the prepaid card purchase request, The prepaid card management server 200b responsible for the overall control for issuing, managing, and authenticating the anonymous prepaid card of the present invention, such as the authentication of the prepaid card, corresponding to the request for approval of the issued prepaid card, and the issued prepaid card Card information DB (200c) registered various information about the bearer prepaid card, including issuance information, activation information, unissued prepaid card information, etc. and the bearer prepaid card of the present invention Information on available merchants is configured to include a registered merchant DB (200d).

Here, the card information DB (200c) has a variety of information of the bearer prepaid card, for example, the card number of the bearer prepaid card, the amount information, the date and time of issue, the place and place of the bearer prepaid card already issued in relation to the bearer prepaid card. Issuance information and refund information when the refund is processed, and all the information related to the replacement issuance, etc. if the replacement is processed, the prepaid card management server 200b by using the various information registered in the card information DB (200c) Procedures include approval of use, balance refund, card replacement, settlement with financial institutions including card companies and banks.

For reference, the bearer prepaid card according to the debit card number system according to the present invention can be recharged within the limit of the issued amount, it is preferable that the continuous use through recharging.

Hereinafter, with reference to the issuance of an anonymous prepaid card using the debit card number system of the present invention will be described in more detail.

In fact, the issuance of the bearer prepaid card according to the present invention takes place at the issuer issuing the bearer prepaid card and at the card issuing agent that issuing the bearer of the bearer prepaid card. The operation server 200b activates the bearer prepaid card so that the issued prepaid card can be used.

That is, after issuing the bearer prepaid card in which the purchaser's desired amount of information is stored, the card number, issuance date, and place of issuance of the bearer prepaid card are registered in the card information DB 200c. By activating the use of the anonymous prepaid card, the authentication of the anonymous prepaid card can be performed in accordance with a request for approval later. At this time, it means that the unregistered anonymous prepaid card has not been issued yet, so that an unspecified person cannot use the unpaid anonymous prepaid card even if it is illegally acquired.

In other words, the bearer prepaid card issued through the normal procedure is activated at the same time as the issuance, and when the use approval request information for the use of the bearer prepaid card is input later, the prepaid card management server 200b receives the bearer whose use approval is requested. Finally, the prepaid card is activated to determine whether it is approved. For reference, activating the anonymous prepaid card means that after issuing the anonymous prepaid card, information indicating that the card is a usable card is registered in the card information DB 200c.

On the other hand, when a card issuer issues a bearer prepaid card on behalf of the issuer, the card number, amount information, issue date, issue place, etc. of the issued bearer prepaid card are displayed on the card issuer terminal 25. Is transmitted to the issuer system 200, the prepaid card management server 200b by activating the bearer prepaid card issued by the card issuing agency to purchase the bearer prepaid card according to the present invention from the card issuing agency even if the buyer is not an issuer To make it possible.

As such, when the issuer system 200 receives the prepaid card purchase request information from the purchaser terminal 100 connected through the Internet network 23, the issuer system 200 corresponds to the prepaid card number and the payment amount according to the debit card number system. Issue a bearer prepaid card with one stored value, activate the issued bearer prepaid card and provide it to the buyer.

In addition, the issuer system 200 receives the issuance information of the bearer prepaid card issued by the card issuing agency from the card issuing agency terminal 25 connected through the Internet network 23 and registers it in the database so as to register the bearer prepaid card. Activate.

In addition, the issuer system 200 performs replacement issuance and refund processing in response to the replacement issuance and refund request of the bearer prepaid card. That is, when there is a replacement issuance or refund request, it is desirable to register and manage information related to replacement issuance and refund processing in a database.

In addition, the issuer system 200, when the buyer presents the bearer prepaid card as a payment method according to the purchase of goods and services at the merchant, the approval is requested in accordance with the use approval request information received from the merchant terminal 27 After confirming the abnormality of the anonymous prepaid card, if it is determined that there is no abnormality, the use approval information is transmitted to the affiliated store terminal 27. At this time, the merchant terminal 27 transmits the card number, amount information and usage approval request information of the anonymous prepaid card to the VAN company server 29, the VAN company server 29 receives the IIN information from the card number. It is preferable to identify the issuer who issued the anonymous prepaid card and transmit the use approval request information to the issuer system 200.

For reference, the affiliated store terminal 27 is a terminal used for payment of a general credit card in connection with financial companies such as various card companies and banks, and since the affiliated store terminal 27 is connected to a financial company, the VAN company server 29 Identifies the financial company affiliated with the issuer that issued the anonymous prepaid card from the IIN information and transmits the use approval request information to the corresponding financial company server, and the financial company server 29 also issued the anonymous prepaid card from the IIN information. It is desirable to provide the use approval request information to the issuer system 200 by identifying the.

On the other hand, the purchaser terminal 100 is connected to the issuer system 200 for issuing an anonymous prepaid card through the Internet network 23 to transmit the bearer prepaid card purchase request information, the payment request for the issuer system 200 Correspondingly, payment information required to purchase an anonymous prepaid card is transmitted.

The ATM 21 reads IIN information from the card number of the bearer prepaid card when the purchaser requests cash withdrawal using the bearer prepaid card of the present invention according to the debit card number system. After identifying the issued issuer, the approval request information is transmitted to the corresponding issuer system 200, and when the issuer system 200 approves the issuer, cash is provided to the buyer. In this case, the ATM 21 may be provided by the issuer that issued the anonymous prepaid card, or may be provided by another financial company or a card issuer affiliated with the issuer.

On the other hand, Figure 3 is for explaining an example according to the bearer prepaid card operating system using the debit card number system of the present invention, preferably corresponds to the case of withdrawing cash from abroad using the bearer prepaid card of the present invention .

As shown in Fig. 3, in the case of withdrawing cash from abroad using an anonymous prepaid card according to the debit card number system of the present invention, first, the ATM 51 obtains IIN information from the card number of the anonymous prepaid card. Recognize and transmit the issuance information and use approval request information of the anonymous prepaid card such as card number and amount information to the financial company server 53 such as a card company and a bank that provides a cash service through the ATM machine 51, and The financial company server 53 recognizes IIN information from the card number of the bearer prepaid card, identifies a brokerage agency such as MASTER, VISA, JCB, etc., and then issues and uses the bearer prepaid card to the network center 55 of the brokerage prepaid card. Send the authorization request information.

The network center 55 of the intermediary organization recognizes IIN information from the card number of the anonymous prepaid card, identifies a domestic card company from the IIN information, and issues the bearer prepaid card issuance information and use approval request to the server 57 of the card company. Send the information. Accordingly, the domestic card company server 57 recognizes the IIN information from the card number of the anonymous prepaid card, identifies the issuer who issued the anonymous prepaid card requesting the use approval from the IIN information, and issues the information to the issuer system 200. And use authorization request information.

The issuer system 200 checks whether there is an abnormality of the anonymous prepaid card, and if there is no abnormality, transmits usage approval information to the domestic card company server 57, and the domestic card company server 57 sends the overseas mediation. When the network center 55 transmits the approval information to the ATM 51, the network center 55 transmits the data to the overseas financial institution server 53 and finally transfers the approval information to the ATM 51. ) Withdraw cash within the agreed limits.

Hereinafter, a method of operating a anonymous prepaid card using the debit card number system of the present invention will be described.

First, the bearer prepaid card operating method using the debit card number system of the present invention issuing step of issuing a bearer prepaid card according to the debit card number system corresponding to the purchaser of the bearer prepaid card as shown in FIG. S401), an activation step of the issued anonymous prepaid card (S402), and an approval step (S403) for approving the anonymous prepaid card according to the purchaser's request to use the anonymous prepaid card.

Here, the bearer prepaid card issuing step may include receiving the bearer prepaid card purchase request information from the purchaser terminal 100 through the Internet network 23 (S501) and purchasing the bearer prepaid card as shown in FIG. 5. Requesting input of payment information in response to the request information (S502), receiving payment information from the purchaser terminal 100 in response to the request for input of payment information (S503), and a debit card And a step (S504) of issuing a prepaid card in which the card number and the amount information of the anonymous prepaid card according to the numbering system are stored.

In addition, by giving a password to the issued bearer prepaid card, even if the buyer loses the bearer prepaid card he purchased, it may be impossible to use by another person, and by giving a scratch-type random check to the issued bearer prepaid card It can also indicate that it has been purchased and activated through normal procedures.

For reference, FIG. 5 illustrates an issuance step when a purchaser directly accesses the issuer system 200 through the Internet network 23 to purchase a bearer prepaid card, and the bearer in the card issuing agency other than the issuer system 200. When purchasing a prepaid card, the card issuing agency terminal 25 installed in the card issuing agency sends the issuance information (card number, issuance amount, issuing time, and issuing place) of the issued bearer prepaid card to the issuing system 200. do.

The bearer prepaid card issued through this process may be used to withdraw cash from the ATM 21, or as a payment method after the purchaser purchases goods or services from the affiliated store. To do this, the bearer prepaid card is issued through the issuer system 200 that issued the anonymous prepaid card.

6 is a flowchart illustrating a process in which the use of the bearer prepaid card is approved when the buyer wants to withdraw cash using the bearer prepaid card according to the debit card number system of the present invention.

First, when the buyer inserts the anonymous prepaid card purchased by the ATM machine 21 to request cash withdrawal, the ATM 21 reads the card number of the anonymous prepaid card (S601).

Thereafter, by recognizing IIN information from the read card number (S602), the issuer issuing the bearer prepaid card is identified from the IIN information (S603), and the card number of the bearer prepaid card is issued to the issuer system 200. , The issue information and use approval request information of the bearer prepaid card including the amount information is transmitted (S604).

The issuer system 200 that receives the card number amount information and usage approval request information of the anonymous prepaid card from the ATM 21 inquires the card information DB 200c in which the information of the anonymous prepaid card is registered and checks for abnormality. After confirmation (S605), if there is no abnormality, the use approval information is transmitted to the ATM 21 (S606), so that cash is withdrawn.

Here, checking whether there is an abnormality means that the amount requested by the buyer does not deviate from the transaction limit determined by a pre-contract with a card company or a bank, or whether the anonymous prepaid card is an activated card issued through a normal procedure. Say something to confirm. For reference, if it is determined in step S605 that the abnormality prepaid card requested for use is abnormal, the unusable information is transmitted to the ATM 21 (S607) so that cash is not withdrawn.

On the other hand, Figure 7 is a flow chart for explaining the process that the use of the bearer prepaid card when the buyer uses the bearer prepaid card according to the present invention as a payment means after purchasing goods or services at the merchant.

As shown in the figure, when a buyer purchases various goods and services and presents the bearer prepaid card according to the present invention as a payment means, the merchant terminal 27 is the card number of the bearer prepaid card presented by the buyer. Read and recognize the IIN information therefrom (S701).

The merchant terminal 27 transmits issuance information and usage approval request information such as card number and amount information of the anonymous prepaid card to the VAN company server 29 (S702), and thus the VAN company server 29 is the bearer name. Recognizing IIN information from the card number of the prepaid card, identifying the financial company such as a card company and a bank affiliated with the affiliated store from the IIN information (S703), the card number of the bearer prepaid card to the server 31 of the financial company, The issue information such as the amount of money information and the use approval request information are transmitted (S704).

The financial company server 31 recognizes the IIN information from the card number of the anonymous prepaid card received from the VAN company server 29, and identifies the issuer who issued the anonymous prepaid card from the IIN information (S705). The issuer system 200 transmits issuance information and usage approval request information such as card number and amount information (S706).

The issuer system 200 which has received the usage approval request information from the financial company server 31 checks whether there is an abnormality of the anonymous prepaid card (S707), and if it is determined that there is no abnormality, the usage approval information is sent to the financial company server 31. It transmits (S708). Accordingly, the financial company server 31 transmits usage approval information received from the issuer system 200 to the VAN company server 29 (S709), and the VAN company server 29 finally enters the affiliated store terminal 27. By transmitting the use approval information (S710), the payment is made. For reference, if it is determined in step S707 that the abnormality is transmitted to the financial company server 31 (S711), after the use information instead of the use approval information through the VAN company server 29 through the affiliated store Is transmitted to the terminal 27.

Looking at the approval process, it can be seen that it is possible to purchase goods and services like a credit card using the anonymous prepaid card of the present invention.

On the other hand, Figure 8 is a flow chart for explaining the process of approval of the bearer prepaid card when withdrawing cash from abroad using the bearer prepaid card according to the present invention.

As shown in the figure, when the buyer inserts the anonymous prepaid card according to the present invention into the ATM 51, the ATM 51 reads the card number of the anonymous prepaid card and recognizes IIN information therefrom (S801). ). For reference, the ATM 51 is installed overseas, and is an ATM machine operated by various overseas card companies or banks, such as banks, which are affiliated with the issuer who issued the anonymous prepaid card.

The ATM 51 identifies a financial company (a foreign credit card company or a bank) from the IIN information (S802), and issues information such as card number and amount information of an anonymous prepaid card to the server 53 of the financial company, and use authorization. The request information is transmitted (S803).

Accordingly, the financial company server 53 recognizes the IIN information from the card number of the anonymous prepaid card, and identifies the intermediary authority from the IIN information (S804), and if the intermediary institution is a VISA card company, the network center 55 of the VISA card company. Issuance information and use approval request information such as the card number of the bearer prepaid card, the amount information, and the like (S805), and if the brokerage agency is the MASTER card company, it transmits to the network center 55 of the MASTER card company.

The network center 55 of the intermediary agency recognizes IIN information from the card number of the anonymous prepaid card, identifies a domestic card company from the IIN information, and then sends the card number and amount to the card company server 57 through a communication network. The issue information such as the information and the use approval request information are transmitted (S806). For reference, the card company server 57 may be a financial company server.

The domestic card company server 57 receiving the issuance information such as the card number of the anonymous prepaid card, the amount information, and the use approval request information from the network center 55 of the intermediary institution receives IIN information from the card number of the anonymous prepaid card. After recognition, the issuer that issued the anonymous prepaid card is identified from the IIN information (S807), and the issuer information and the use approval request information are transmitted to the issuer system 200 (S808).

The issuer system 200 that has received the usage approval request information from the domestic card company server 57 checks whether there is an abnormality of the anonymous prepaid card for which the usage approval is requested (S809), and if there is no abnormality, the issuer system 200 The card is transmitted to the domestic card company server 57 again (S810).

The domestic card company server 57 receiving the usage approval information from the issuer system 200 transmits the usage approval information to the network center 55 of the overseas intermediary (S811), and the network center 55 The use approval information is transmitted to a server 53 of a financial company such as a card company and a bank (S812).

Thereafter, the financial institution server 55 transmits the usage approval information received from the network center 55 to the ATM 51 (S813), so that cash is withdrawn within the contracted limit. For reference, if it is determined in step S809 that the abnormality is transmitted to the server card server 57 of the domestic use information (S714), after the use information instead of the use approval information is the network center of the foreign intermediary ( 55) and is transmitted to the ATM 51 via the financial institution server 53.

On the other hand, the bearer prepaid card according to the present invention can be replaced issuance, the replacement is possible from the issuer or card issuing agency, if a replacement issuance request from the buyer, it is possible to recognize information such as card number and amount information of the bearer prepaid card If it is determined that there is a problem in reading out the information from an ATM or a merchant terminal, the balance of the bearer prepaid card is checked to issue a new card in which the amount of money information corresponding to the balance is stored.

In addition, the bearer prepaid card according to the present invention is refundable, like the card replacement issuance is made in the issuer or card issuing agency. At this time, the issuer system 200 registers the information indicating that the refund has been refunded to the card information DB 200c after completing the refund by checking the balance corresponding to the refund request from the buyer. At this time, the information indicating that the refund includes information on the date of refund, refund amount, refund place, etc., and the bearer prepaid card which is refunded at the same time as the information is registered in the card information DB 200c cannot be used.

As described above, in the method of operating a bearer prepaid card using the debit card number system of the present invention, a buyer purchases goods or services at a merchant and then presents the bearer prepaid card according to the present invention as a means of payment or withdraws cash using an ATM. In this case, by authenticating the issuer system that issued the anonymous prepaid card, it can be used as a credit card using the existing credit card payment system as it is.

Although preferred embodiments of the present invention have been described above, it is clear that the present invention can use various changes, modifications, and equivalents, and that the above embodiments can be appropriately modified and applied in the same manner. Accordingly, the above description does not limit the scope of the invention as defined by the limitations of the following claims.

As described above, the anonymous prepaid card operating method using the debit card number system of the present invention has the following effects.

First, by introducing the debit card number system to the bearer prepaid card, which is a gift certificate, it is possible to use the existing credit card payment system as it is, allowing users and merchants to trade through various payment methods.

Second, bearer prepaid cards can be used like a credit card, which can guarantee the anonymity, which is an advantage of gift certificates, so that various transactions are possible.

Third, since the management of the issuance of the bearer prepaid card is made in the issuer system, it is possible to prevent tax evasion and evasion, which is a disadvantage of the gift certificate, so that transparent taxation is possible.

Fourth, in the reality that gift certificates are frequently used for gifts, it is possible to secure enough functions as gifts as compared to IC type prepaid cards using passwords.

Claims (11)

In the method of operating an anonymous prepaid card having a card number conforming to the debit card number system, An issuing step of issuing an anonymous prepaid card in which a card number and amount information according to a debit card number system are stored according to a purchase request; An activation step of registering the issuance information of the issued anonymous prepaid card in a database to activate the anonymous prepaid card in a usable state; And an authentication step of authenticating the use of the anonymous prepaid card in response to the use authorization request of the issued anonymous prepaid card. 2. The method of claim 1, wherein the issuance information includes a date and time of issuance, a place of issuance, and a card number of an issued bearer prepaid card. The method of claim 1, further comprising: authenticating the purchaser by assigning a password to the issued bearer prepaid card, and giving a scratched random number to the issued bearer prepaid card to indicate that the purchase is activated through a normal procedure. An anonymous prepaid card operating method using a debit card number system characterized in that. The method of claim 1, wherein the issued anonymous prepaid card may be recharged within a limit of the issued amount. The method of claim 1, wherein the issuing step, Receiving prepaid card purchase request information from a purchaser terminal through an internet network; Requesting payment payment for the prepaid card to the purchaser terminal; When the payment information is received from the buyer terminal, the bearer using the debit card number system, characterized in that it comprises the step of issuing the card number following the debit card number system and the bearer prepaid card in which the amount of information desired by the buyer is stored. How to use your prepaid card. The method of claim 1, wherein the issuing step, Method of operating a bearer prepaid card using a debit card number system comprising the step of receiving the prepaid card issuing information from the card issuing agency terminal through the Internet network. In the method of operating an anonymous prepaid card using an ATM machine, Identifying an issuer that issued the anonymous prepaid card by an ATM that recognizes IIN information from the card number of the anonymous prepaid card according to the debit card number system in response to a cash withdrawal request using the anonymous prepaid card; Transmitting issuance information including the card number of the anonymous prepaid card and the amount of money information and usage approval request information from the ATM to the issuer system which issued the anonymous prepaid card; And checking the presence or absence of an abnormality prepaid card that has requested the use approval in the issuer system receiving the use approval request information, and transmitting the use approval information to the ATM so that cash is withdrawn. Method of operating a bearer prepaid card according to the debit card number system, characterized in that In the method of operating an anonymous prepaid card using an ATM machine, In response to the cash withdrawal request using the anonymous prepaid card, the issuance information and use authorization request information of the anonymous prepaid card are transferred from the ATM to the VAN server at the ATM which recognizes INN information from the card number of the anonymous prepaid card according to the debit card number system. Transmitted; Transmitting the issuance information of the anonymous prepaid card and use approval request information from the VAN company server identifying the financial company affiliated with the anonymous prepaid card from the IIN information included in the card number of the anonymous prepaid card to the server of the corresponding financial company; ; Issuance information of the anonymous prepaid card and use authorization request to the issuer system that issued the anonymous prepaid card from the server of the financial institution that identified the issuer who issued the anonymous prepaid card from the IIN information included in the card number of the anonymous prepaid card. Transmitting information; Transmitting usage approval information from the issuer system confirming the availability of the anonymous prepaid card to the server of the financial institution in accordance with the usage approval request information received from the financial institution server; Transmitting the usage approval information from the financial institution server to the VAN company server; And using the debit card number system, wherein the use approval information is transmitted from the VAN company server to the ATM machine to withdraw cash to the purchaser. 9. The method of claim 8, wherein the issuance information includes a card number of the anonymous prepaid card and amount information. In the method of operating the anonymous prepaid card used as a payment method for purchasing goods and services, Transmitting issuance information and usage approval request information of the anonymous prepaid card from a merchant terminal that recognizes the card number of the anonymous prepaid card presented as a payment method according to the purchase of goods and services; The issuance information of the anonymous prepaid card and the use approval request information are transmitted from the VAN company server identifying the financial company affiliated with the anonymous prepaid card from the IIN information included in the card number of the anonymous prepaid card. Wow; Issuing and issuing authorization request information of the anonymous prepaid card from the server of the financial institution that has identified the issuer who issued the anonymous prepaid card from the IIN information included in the card number of the anonymous prepaid card to the system of the issuer Wow; Transmitting usage approval information from the issuer system confirming the availability of the anonymous prepaid card to the server of the financial institution in accordance with the usage approval request information received from the financial institution server; Transmitting the usage approval information from the financial institution server to the VAN company server; And using the debit card number system, wherein the usage approval information is transmitted from the VAN company server to the affiliated store terminal. In the operation method of an anonymous prepaid card using an ATM machine abroad, In response to a cash withdrawal request using an anonymous prepaid card, the bearer prepaid card is sent to a server of the financial institution from an ATM that identifies a foreign financial institution from the INN information included in the card number of the anonymous prepaid card following the debit card number system. Transmitting issuance information and usage approval request information of the; Issuance information and use authorization request information of the anonymous prepaid card from the financial company server identifying the network center of the card company affiliated with the anonymous prepaid card from the IIN information included in the card number of the anonymous prepaid card to the network center of the card company. Transmitted; Issuance information and use authorization request information of the anonymous prepaid card from the overseas card company network center that identifies a domestic card company affiliated with the anonymous prepaid card from the IIN information included in the card number of the anonymous prepaid card to a domestic card company server Transmitted; Issuance information of the anonymous prepaid card and use approval request information are transmitted from the domestic card company server that identifies the issuer who issued the anonymous prepaid card from the IIN information included in the card number of the anonymous prepaid card to the system of the corresponding issuance. Steps; Transmitting usage approval information from the issuing system to confirm the availability of the anonymous prepaid card according to the usage approval request information received from the domestic card company server to the domestic card company server; Transmitting the usage approval information from the card company server to the overseas card company network center; Transmitting the usage approval information from the card company network center to the foreign financial institution server; The method of operating a bearer prepaid card using a debit card number system comprising the step of transmitting cash approval information from the foreign banking institution server to the foreign ATM.