KR20070079098A - System and method for operating account related to payment account of check card, server for operating account and recording medium - Google Patents

Abstract

A system and a method for operating an account related to a payment account of a check card, and a server and a program recording medium thereof are provided to prevent the check card from being unavailable due to shortage of balance by linking the check card with the related security company or bank card. A check card payment account management server(100) includes a check card payment account manager(110), a balance checker(115) checking the balance of the payment account, and a transmitter(125). The transmitter transmits a deposit request message to a related account management server(135) if the checked balance is short. The related account management server includes a related account manager(155), a message receiver(145), a message checker(160), and an account transfer processor(140). The message checker checks payment card information, related account information, and requested amount information by reading the message. The account transfer processor transfers an amount withdrawn from the related account to the payment account.

Description

System and Method for Operating Account Related to Payment Account of Check Card, Server for Operating Account and Recording Medium}

1 is a diagram illustrating a system for operating an automatic debit processing account linked to a check card payment account according to one embodiment of the invention.

2 is a diagram illustrating a process of requesting a check card payment process from a predetermined merchant terminal to a card company server according to an exemplary embodiment of the present invention.

3 is a diagram illustrating a check card payment approval request specialized structure according to an embodiment of the present invention.

4 is a diagram illustrating a process of requesting a check card payment process from a card company server to a check card payment account management server according to an embodiment of the present invention.

5 is a diagram illustrating a process of requesting a check card payment process from a card company server to a check card payment account management server according to another exemplary embodiment of the present invention.

6 is a diagram illustrating a check card debit processing approval request specialized structure defined between a card company server and a check card payment account management server according to an embodiment of the present invention.

7 is a diagram illustrating a process of requesting a check card payment process from a card company server to a check card payment account management server according to an exemplary embodiment of the present invention.

8 is a diagram illustrating a process of requesting a check card payment process from a card company server to a check card payment account management server according to another exemplary embodiment of the present invention.

9 is a diagram illustrating a check card debit processing approval request specialized structure defined between a card company server and a check card payment account management server according to an embodiment of the present invention.

10 is a diagram illustrating storage medium storage information included in a check card payment account management server according to an embodiment of the present invention.

11 is a diagram illustrating a system for operating an automatic debit processing account linked to a check card payment account according to another embodiment of the present invention.

12 is a diagram illustrating a process of requesting a check card payment process from a card company server to a check card payment account management server according to another exemplary embodiment of the present invention.

13 is a diagram illustrating a process of requesting a check card payment process from a card company server to a check card payment account management server according to another embodiment of the present invention.

<Description of main parts of drawing>

100: check card payment account management server 105: receiving unit

110: payment account management unit 115: balance check unit

120: storage unit 125: professional transmission unit

130: transmission unit 135: linked account management server

140: bank transfer processing unit 145: professional receiving unit

150: information storage unit 155: linked account management unit

160: information verification unit 165: authentication processing unit

170: storage medium 175: card company server

180: professional receiving unit 182: information reading unit

184: payment card payment approval unit 186: information confirmation unit

188: professional transmission unit 190: professional generation unit

195: Payment terminal device

The present invention relates to a method and system for operating a linked account of a check card payment account, an account management server, and a program recording medium therefor.

A check card uses a conventional credit card-based electronic payment system resources, interlocks the card with a predetermined bank account provided in a predetermined financial system, and transfers the payment amount using the check card through the financial system. Withdrawal from the customer account is an electronic payment method for transferring payment to the card company's mother account.

However, when the balance of the check card is insufficient, the check card payment is not normally performed. For this purpose, the check card user has inconvenience in that the balance of the check card payment account should be checked at any time.

An object of the present invention is to manage a check card payment account, check the balance of the check card payment account, if the check result, less than a predetermined amount, linked account management server for managing the linked account associated with the check card payment account Manage a check card payment account management server and a linked account of the check card payment account to transmit a predetermined amount of money request request (or information) to the full amount payment request (or information) from the check card payment account management server Receives, read the full amount (or information) of the payment request, check the check card payment account information and linked account information and the deposit request amount information, withdraw the confirmed amount from the linked account, withdrawal amount Linked account management system of the check card payment account, including a linked account management server to process the deposit to the check card payment account The method may provide for the.

The linked account operating system of the check card payment account according to the present invention includes a check card payment account management means for managing a check card payment account, balance check means for checking the balance of the check card payment account, and the result of the check, If less than the amount, check card payment account management provided with a full-text (or information) transmission means for transmitting a predetermined amount of money request (or information) to the linked account management server that manages the linked account associated with the check card payment account server; And linked account management means for managing the linked account of the check card payment account, Full-text (or information) receiving means for receiving the full amount (or information) request for payment amount from the check card payment account management server, The amount Full-text (or information) checking means for reading the full payment request information (or information) to check the check card payment account information, the linked account information and the deposit request amount information, and withdraw the confirmed amount from the linked account, withdrawal It is characterized in that it comprises a; linked account management server having an account transfer processing means for depositing the received amount to the check card payment account.

According to the present invention, the linked account management server, the check card payment account information and the linked account information associated with the check card payment account further comprises an information storage means for processing the link storage information stored in a predetermined storage medium; And a check card previously stored in the storage medium in connection with the storage medium (or storage medium operating means), the check card payment account information and / or linked account information confirmed through the full-text (or information) checking means. And authentication processing means for authenticating the validity of the check card payment account information and / or the linked account information in comparison with the payment account information and / or the linked account information.

According to the present invention, the information storage means, the policy set the amount of money to be processed in response to a deposit request of the check account payment account management server-the linked account management policy information set by the customer or server using the check card; And storing the information on the storage medium, wherein the authentication processing means is linked with the storage medium (or storage medium operating means), and the amount of the deposit request confirmed through the full text (or information) checking means. And comparing the information with the amount of money limit previously stored in the storage medium, thereby validating the validity of the deposit request amount.

According to the present invention, the linked account is characterized in that it comprises at least one or more securities account, CMA account, bank account.

On the other hand, the linked account operating system of the check card payment account according to the present invention, the check card payment account management means for managing the check card payment account, and due to the lack of the balance of the check card payment account, when the check card payment approval is impossible, A check card payment account management server having a full-text (or information) transmission means for transmitting a predetermined amount of money request (or information) to a linked account management server that manages the linked account associated with the check card payment account; And linked account management means for managing the linked account of the check card payment account, a full-text (or information) receiving means for receiving the full amount (or information) of the money deposit request from the check card payment account management server; Full-text (or information) checking means for reading the request full text (or information), checking the check card payment account information, the linked account information and the deposit request amount information, and withdraw the confirmed amount from the linked account, It is characterized in that it comprises a; linked account management server having an account transfer processing means for depositing the amount of payment to the check card payment account.

According to the present invention, the linked account management server, the link card information associated with the check card payment account information and the check card payment account is further provided with information storage means for processing the link information stored in a predetermined storage medium; And a check card previously stored in the storage medium in connection with the storage medium (or storage medium operating means), the check card payment account information and / or linked account information confirmed through the full-text (or information) checking means. And authentication processing means for authenticating the validity of the check card payment account information and / or the linked account information in comparison with the payment account information and / or the linked account information.

According to the present invention, the information storage means, the policy set the amount of money to be processed in response to a deposit request of the check account payment account management server-the linked account management policy information set by the customer or server using the check card; And storing the information on the storage medium, wherein the authentication processing means is linked with the storage medium (or storage medium operating means), and the amount of the deposit request confirmed through the full text (or information) checking means. And comparing the information with the amount of money limit previously stored in the storage medium, thereby validating the validity of the deposit request amount.

According to the present invention, the deposit request amount is characterized in that it comprises an amount corresponding to the shortage of the payment account balance for the check card payment approval.

On the other hand, the linked account operating system of the check card payment account according to the present invention, check card payment account information and linked account information associated with the check card payment account and the linked account operation set by the customer or server using the check card. Information storage means for cooperatively processing policy information-policy information for depositing a predetermined amount from the linked account to the check card payment account at a specific date and / or at a specific period; Checking the linked account operation policy information periodically in connection with the storage medium (or storage medium operating means), and confirms the amount and date of the deposit deposited from the linked account to the check card payment account in response to the verification result. Information checking means; And checking the check card payment account linked to the linked account in association with the storage medium (or the storage medium operating means), and the amount of money on the deposit date confirmed in the information checking means with the checked check card payment account. It comprises a; account management means for processing the deposit.

On the other hand, the linked account operating method of the check card payment account according to the present invention comprises the steps of: checking the balance of the payment account in the check card payment account management means for managing the check card payment account; As a result of the check, if less than the predetermined amount, the predetermined amount (or information) transmission means associated with the check card payment account management means to the linked account management server that manages the linked account associated with the check card payment account a predetermined amount Transmitting the full deposit request (or information); Receiving the full amount payment request text (or information) from a predetermined text (or information) receiving means provided or connected to the linked account management server; Confirming the full amount (or information) of the money deposit request in a predetermined full text (or information) verification means provided or connected to the linked account management server; And withdraw the predetermined amount from the linked account on the basis of the confirmed amount transfer request full text (or information) in the predetermined account transfer processing means provided or connected to the linked account management server, and withdraws the withdrawn amount. And depositing the payment into the check card payment account.

In addition, the linked account operating method of the check card payment account according to the present invention, the check card payment account management means for managing the check card payment account when the check card payment approval is not possible due to the lack of the balance of the check card payment account; Transmitting a predetermined amount of money transfer request message (or information) from a predetermined message (or information) transmitting means to a linked account management server that manages a linked account associated with the check card payment account; Receiving the full amount payment request text (or information) from a predetermined text (or information) receiving means provided or connected to the linked account management server; Confirming the full amount (or information) of the money deposit request in a predetermined full text (or information) verification means provided or connected to the linked account management server; And withdraw the predetermined amount from the linked account on the basis of the identified amount transfer request full text (or information) in the predetermined account transfer processing means provided or connected to the linked account management server, and withdraws the withdrawn amount. And depositing the payment into the check card payment account.

On the other hand, the linked account operating method of the check card payment account according to the present invention, the check card payment account information and linked account information associated with the check card payment account in a predetermined information storage means and the check card using the customer or server is set An information storing step of linking and processing the linked account operation policy information in a predetermined storage medium; The amount of money deposited from the linked account to the check card payment account in response to the verification result, periodically checking the linked account operation policy information in association with the storage medium (or storage medium operating means) in a predetermined information checking means. And information confirming step of confirming the deposit date; And confirming a check card payment account linked to the linked account in association with the storage medium (or storage medium operating means) in a predetermined account operating means, and confirming in the information checking step with the checked check card payment account. It is characterized in that it comprises a; account management step of processing the deposit on the deposit date.

On the other hand, the present invention includes a computer-readable recording medium, characterized in that for recording the program for executing the method of operating the linked account of the at least one check card payment account described above.

On the other hand, the account management server according to the present invention, the linked account management unit for managing the linked account of the check card payment account; A full-text (or information) receiving unit for receiving a predetermined amount (or information) of a predetermined amount of money request from the check-card payment account management means for managing the check-card payment account; A full text (or information) confirmation unit for confirming the received full text payment request information (or information); And a transfer processing unit that withdraws a predetermined amount from the linked account managed by the linked account manager, and deposits the withdrawn money into the check card payment account in response to the verification result.

On the other hand, the account management server according to the present invention, the linked account management unit for managing the linked account of the check card payment account; An information confirmation unit periodically checking an amount and a deposit date of money deposited into the check card payment account; And a transfer processing unit that withdraws a predetermined amount from the linked account managed by the linked account manager, and deposits the withdrawn money into the check card payment account in response to the verification result.

On the other hand, the present invention includes a computer-readable recording medium, characterized in that for recording the program for executing the function of the account management server component described above.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention.

However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below.

In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted.

Terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users or operators. Therefore, the definition should be based on the contents throughout the present title.

In addition, preferred embodiments of the present invention to be carried out below are provided in each system functional configuration to efficiently describe the technical components constituting the present invention, or system functions that are commonly provided in the technical field to which the present invention belongs. The configuration will be omitted, and described mainly on the functional configuration to be additionally provided for the present invention.

If those skilled in the art to which the present invention pertains, it will be able to easily understand the function of the components that are conventionally used among the omitted functional configuration not shown below, and also the configuration omitted as described above The relationship between the elements and the components added for the present invention will also be clearly understood.

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

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

1 is a diagram illustrating a system for operating a linked account of a check card payment account according to an embodiment of the present invention.

1 shows a predetermined payment approval request text for a check card payment processing at a merchant equipped with a predetermined payment terminal device 195, and transmits the payment approval request text to a card company (or financial company) through a predetermined payment network. When transmitted to a predetermined card company server 175, the card company server 175 checks the check card payment account information associated with the check card included in the full payment approval request, and manages the check card payment account and Send the full debit processing approval request for the check card payment to the check card payment account management server 100 to operate, and check the check card payment account associated with the check card from the check card payment account management server 100 Compare the balance of the check card payment account with the payment authorization request amount; and, as a result of the comparison, the balance of the check card payment account If less than the requested amount, and transmits a predetermined amount of money request (or information) to the linked account management server 135 associated with the check card payment account, and the full amount of payment request from the linked account management server 135 When (or information) is received, the full amount of money request (or information) is read, the check card payment account information, the linked account information and the deposit request amount information are checked, and the confirmed amount is transferred from the linked account. The present invention relates to a method for implementing a linked account operation system of a check card payment account for withdrawing money and depositing the withdrawn money into the check card payment account.

According to another exemplary embodiment of the present invention, FIG. 1 generates a predetermined payment approval request text for a check card payment processing at a merchant equipped with a predetermined payment terminal device 195, and sets the payment approval request text to a predetermined payment. When the card company (or financial company) is transmitted to a predetermined card company server 175 provided through a network, the card company server 175 checks the check card payment account information associated with the check card included in the full payment approval request. Sending the full payment debit authorization request request for the check card payment to the check card payment account management server 100 for managing and operating the check card payment account, the check card payment account management server 100 Query the check card payment account associated with the balance of the check card payment account and the payment authorization request amount, and the comparison result, the check If the balance of the payment account is less than the payment approval request amount, the predetermined amount of money from the check card payment account management server 100 to the linked account management server 135 that manages the linked account associated with the check card payment account; When the full payment request message (or information) is transmitted and the full amount payment request message (or information) is received from the linked account management server 135, the check card information (or customer information or information) is stored in a predetermined storage medium 170. Linked account information), with reference to the stored check card linked account operation policy information, withdraw the requested amount of money from the linked account according to the linked account management policy information and the withdrawn amount of the check card payment account The present invention relates to a method of implementing a linked account operation system of a check card payment account which is processed as a deposit.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing, and check the check based on linked account operation policy information stored in association with the check card information (or customer information). By integrating a card payment account with a linked account (automatic transfer processing account) connected to the check card payment account may be implemented by inferring various system configurations for performing the check card payment processing, but the present invention is inferred It includes all the implementation methods, it is to be understood that not limited to the implementation method shown in FIG.

Referring to FIG. 1, when the authorization request for the check card payment is received from the card company server 175 through a predetermined transaction protocol, the balance of the check card payment account and the check card payment approval request amount are received. In comparison, if the balance of the check card payment account is less than the check card payment approval request amount, request the insufficient payment amount to the linked account management server 135 that manages the linked account associated with the check card payment account; Manage and operate the linked card associated with the check card payment account management server 100 and the check card payment account managed and operated by the check card payment account management server 100, and the check card from the check card user Select and / or select predetermined check card linked account operation policy information for managing and operating the linked check card payment account Receive the selected and / or input linked account operation policy information in a predetermined storage medium 170 in association with the check card user information and the check card information and / or check card payment account information; The amount requested by the check card payment account management server 100 according to the linked account operation policy information (for example, a check card payment shortage amount or an amount corresponding to the check card payment account limit policy) and the check card payment account; It is characterized in that it comprises a linked account management server 135 to process the transfer from the associated linked account to the check card payment account.

In addition, the system is provided in at least one affiliated store, is connected to a payment terminal device 195 for providing a check card payment through a predetermined payment network (eg, Value Added Network (VAN)), issuing the check card Receives a check card payment approval request message provided in one card company (or financial company) and transmitted from the payment terminal device 195, and check card information (eg, the check card) included in the received check card payment approval request message. The card company server 175 that requests the approval of the check card payment to the check card payment account management server 100 that manages and operates the check card payment account). It may be provided.

According to the present invention, the payment terminal device 195 generates a predetermined payment approval request full text including check card information, payment information, and merchant information for electronic payment processing, and prescribes the generated payment approval request full text. It is characterized in that the electronic payment processing function for transmitting to the card company server 175 through the payment network, and receives a predetermined payment approval message corresponding to the payment approval request full text through the payment network.

In addition, the payment terminal device 195 preferably comprises a credit authorization terminal (CAT) provided in the merchant.

The card company server 175 is provided in the card company (or financial company) to perform the payment processing using the check card according to the present invention, a predetermined network (for example, a financial network or at least one card company (or A dedicated communication network connecting the financial company) and the check card payment management server) to at least one check card payment account management server 100 for managing and operating the check card payment account.

According to the method of the present invention, the card company server 175 is provided with a database for cooperatively processing the check card information and / or check card payment account information associated with the check card, and / or a predetermined network And / or interoperate with the database server for storing and managing the check card information and / or the check card payment account information associated with the check card through an interface means.

According to the present invention, the card company server 175 may include at least one or more servers (or devices), and / or include a functional configuration unit according to the present invention in a predetermined server (or device). It is possible, and the invention is not limited thereby.

Referring to FIG. 1, in more detail, the card company server 175 transfers a check card-based payment approval request from the payment terminal device 195 provided in at least one or more affiliated stores through a predetermined payment network (eg, a VAN). Receiving professional receiving unit 180, the information reading unit 182 for extracting the check card number and predetermined payment amount information by reading the payment approval request full text, and the database provided in the card company server 175 (or the Query the check card payment account information stored in association with the user check card number to a database server interworking with a card company server 175, and check card payment account information (or the check card payment account management) associated with the check card number. Information check unit 186 for checking server 100 information), and a check card payment system for managing and operating a check card payment account associated with the check card. When a request for approval of the check card payment is made to the left management server 100 and a response to the request for approval of the check card payment is transmitted from the check card payment account management server 100, the payment of the check card is approved. It may be made to include a check card payment approval unit 184 to process.

In addition, according to an embodiment of the present invention, the card company server 175 is a full text generation unit 190 for generating a predetermined payment approval full text including a payment approval result generated by the check card payment approval unit 184 And, it is preferable to further comprise a specialized transmission unit 188 for transmitting the generated payment approval full text to the payment terminal device 195 of the affiliated store through the payment network.

The professional receiving unit 180 performs the payment through a predetermined payment network (eg, a VAN) according to a check card payment transaction protocol defined between the payment terminal device 195 and the card company server 175 provided in the affiliated store. Characterized in that it receives a check card-based payment approval request full text from the terminal device 195, the received payment approval request full text is provided to the information reading unit 182.

The information reading unit 182 is received by the specialized receiving unit 180 to confirm the check card payment account information (or check card payment account management server 100 information) associated with the check card requested for payment approval Characterized in that the check card number is extracted from the full payment approval request.

The information reading unit 182 may further extract payment amount information requested for payment approval from the full payment approval request message, and the extracted check card number and payment amount information may be used for the information checking unit 186. Is preferably delivered.

The information checking unit 186 may include at least one check card information and corresponding check card payment account information stored in a database (or a database server interworking with the card company server 175) provided in the card company server 175. By checking or confirming, the check card payment account management server 100 corresponding to the account associated with the check card requested for payment approval is characterized in that it is confirmed.

The check card payment approval unit 184 confirms the check card payment account management server 100 information corresponding to the check card payment account associated with the check card requested for payment approval as a result of the information checking unit 186. When the check card payment account management server 100, the check card payment approval request is characterized in that.

According to the implementation method of the present invention, the check card payment approval unit 184, through a predetermined network (for example, a dedicated line between the financial network or card company server 175 and the check card payment account management server 100, etc.) Based on the transaction protocol defined between the card company server 175 and the check card settlement account management server 100 to generate a predetermined debit processing authorization request message including the check card number and extracted payment authorization request amount information; It is characterized in that the transmission to the check card payment account management server (100).

The debit authorization request message transmitted from the card company server 175 to the check card payment account management server 100 includes the check card number item and the approval request amount from the member account and the card company account to be deposited. A member check card payment account extracted from the card company database based on a number item, an authorization request amount item according to a payment amount received from a payment terminal device 195 through the check card payment approval request message, and the check card number. Code items for management and managers (e.g. securities company (or insurance company) or bank), member check card payment account number (e.g. securities account number or bank account number, etc.) and member branch codes (e.g. securities company or bank branch) Code) and a membership account print content item.

According to the implementation method of the present invention, when the check card payment approval unit 184 generates a debit processing approval response message corresponding to the debit processing approval request message from the check card payment account management server 100 through the network, Receiving the generated debit processing approval response message, and transmits it to the specialty generation unit 190.

According to the embodiment of the present invention, the debit processing approval request message is transmitted to the entire debit processing approval result transmitted from the check card payment account management server 100 to the check card payment approval unit 184 of the card company server 175. The debit authorization may include a check card-based debit normal approval or rejection result and / or a debit processing error code for the authorization request included in.

According to the invention, the check card payment account management server 100 is at least through a predetermined network (eg, a dedicated network for connecting a financial network or at least one or more card companies and the check card payment account management server 100, etc.) It is characterized in that the connection with one or more card company server (175).

In addition, according to the present invention, the check card payment account management server 100 is characterized in that it comprises at least one or more bank server or securities company (or insurance company) server.

According to an embodiment of the present invention, the check card payment account management server 100 includes a storage medium 170 for storing customer information (member information), account management information of the customer, and / or a predetermined network. And / or operating means for storing and managing the customer information (member information) and the account management information of the customer through an interface means.

According to the present invention, the account management information, the customer check card information and linked account information associated with the check card (and / or linked account management server 135 information) and the linked account management policy set by the customer It is characterized by including the information.

According to the present invention, the check card payment account management server 100 comprises at least one or more servers (or devices), and / or includes a function configuration unit according to the present invention in a predetermined server (or device). It is possible to achieve all, by which the present invention is not limited.

In more detail with reference to Figure 1, the check card payment account management server 100, a check card payment account management unit 110 for managing a check card payment account and the balance check unit for checking the balance of the check card payment account 115 and, if it is less than a predetermined amount, as a result of the confirmation, transmits a predetermined amount of money transfer request message (or information) to the linked account management server 135 that manages the linked account associated with the check card payment account. Characterized in that it comprises a full-text (or information) transmission unit (125).

In addition, when the check card payment account management server 100 is provided with the linked account operation policy information from the check card user according to an embodiment of the present invention, the predetermined linked account operation policy information provided from the check card user The storage unit 120 may be further configured to register and store the customer information and / or check card information and / or check card payment account information in the storage medium 170.

In addition, the check card payment account management server 100 may be configured to further include a receiving unit 105 for receiving the full check card debit processing authorization request from the card company server 175, when using the customer's check card. .

In addition, the check card payment account management server 100, the predetermined debit processing authorization response message including a check card payment approval result corresponding to the check card payment approval request from the card company server 175) It may be configured to further include a transmission unit 130 for transmitting to the server 175.

The check card payment account management unit 110, if the balance of the check card payment account requested for payment approval is less than the payment approval request amount, so that the insufficient payment amount is transferred from the linked account associated with the check card payment account; Or when the check card payment account management server 100 is linked with the storage medium 170 storing the linked account operation policy information, with reference to the linked account operation policy information stored in the storage medium 170, Characterized in that it is determined to receive a predetermined amount from the linked account associated with the check card payment account.

The balance checking unit 115 reads the payment approval request text received through the receiving unit 105, confirms the amount of the payment approval request, and checks the balance of the check card payment account requested for payment approval. And comparing the balance of the check card payment account with the payment authorization request amount.

The full-text (or information) transmission unit 125, when the check card payment account manager determines to receive the insufficient payment amount from the linked account associated with the check card payment account, the insufficient amount or the predetermined amount to be transferred Generate a full payment request (or information) for the amount of money, and check the linked account management server 135 information for managing and operating the linked account associated with the check card payment account, the full amount of the deposit request (or information) Information) to the linked account management server 135.

According to the embodiment of the present invention, the linked account is a bank account or a securities account or other second and third financial rights accounts.

The receiver 105 checks the card number generated by the card company server 175 based on a transaction protocol defined between the card company server 175 and the check card account management server 100 when the customer uses the check card. And receiving a predetermined debit processing approval request message including the extracted payment approval request amount information.

According to the present invention, the linked account management server 135 may include at least one bank server or securities company server, a predetermined network (eg, financial network or at least one check card payment account management server 100) And a dedicated communication network for connecting the linked account management server 135) to the at least one check card payment account management server 100.

According to the present invention, the linked account is characterized in that it comprises at least one or more securities account, CMA account, bank account.

According to an embodiment of the present invention, the linked account management server 135 has a storage medium 170 for storing customer information (member information), account management information of the customer, and / or a predetermined network and / or Or it is characterized in that the interlock with the storage medium 170 operating means for storing and managing the customer information (member information), the account management information of the customer through the interface means.

According to the present invention, the account management information, check card payment account information (and / or check card payment account management server 100 information) associated with the customer linked account information and the linked account management policy set by the customer It can be configured to include information.

Here, the linked account operation policy information is referred to by the check card payment account management server 100 according to a predetermined period or at the time of using the check card of the customer, so that the check card payment processing of the customer is smoothly performed. Characterized in that it can be performed.

In addition, the linked account operation policy information may be input or selected from a check card user accessing the linked account management server 135 or may be provided from the check card payment account management server 100.

According to the implementation method of the present invention, the linked account operation policy information, in response to the deposit request of the check card payment account management server 100, when the balance of the check card payment account is a predetermined amount or less, the check card It may be configured to include the setting information to transfer a predetermined amount in order to fill the predetermined amount from the linked account associated with the payment account.

For example, if the customer who owns the check card has registered the linked account operation policy information so that the balance of the check card payment account is 500,000 won, the check card payment account management server 100 may check the balance of the check card payment account. If the regular inquiry is less than 500,000 won or less, automatically request the insufficient amount to maintain the balance of the check card payment account to the management server of the linked account associated with the check card payment account to the set 500,000 won .

According to another exemplary embodiment of the present invention, the linked account operation policy information corresponds to a deposit request of the check card payment account management server 100, and when the customer requests a check card payment, the payment approval request amount is If it is larger than the balance of the check card payment account, it may be configured to include the setting information to transfer a predetermined amount to fill the check card payment approval request amount from the linked account associated with the check card payment account.

For example, when the customer who owns the check card has settled the check card payment account when the balance of the check card payment account is insufficient, it is set to maintain the insufficient amount in association with the linked account associated with the check card payment account and owns the check card. If the customer requests a payment approval request amount of 500,000 won according to the use of the check card, and the balance of the check card payment account is 300,000 won, the check card payment account management server 100 is linked with the check card payment account. The insufficient payment amount (200,000 won) can be requested to the account management server.

According to the present invention, the linked account management server 135 comprises at least one or more servers (or devices), and / or includes a function configuration unit according to the present invention in a predetermined server (or device). All are possible, and the present invention is not limited thereby.

Referring to Figure 1, the linked account management server 135 linked with the check card payment account management server 100, the check card payment account balance is insufficient compared to the check card payment approval request amount according to the present invention, Or full payment request for the insufficient amount of payment from the check card payment account management server 100 or the amount required to maintain a constant amount of the check card payment account balance in order to maintain a certain limit (or Information) (e.g., check card number and / or check card payment account information and / or linked account information and / or linked account operation policy information, etc.); Linked account information (eg, linked account number, etc.) and entry associated with the check card number and / or check card payment account information, with reference to the full request (or information). Linked account linked to the full-text (or information) verification unit 160 for confirming the amount of the gold request, and the check card number and / or check card payment account information confirmed through the full-text (or information) verification unit 160 The account transfer processing unit 140 and the check card to check the validity and balance of the account, and transfer the deposit requested amount from the linked account to the check card payment account according to the full payment request (or information). It may be configured to include a linked account management unit 155 for managing the linked account of the payment account.

In addition, the linked account management server 135, the check card payment account according to the present invention provides the linked account operation policy information for operating in conjunction with the linked account associated with the check card payment account from the customer owning the check card The storage unit 150 may further include a storage unit 150 that registers and stores the customer information and / or check card information and / or check card payment account information in the storage medium 170.

To this end, the storage unit 150 selects and / or inputs the linked account management policy information to a customer terminal connected to the linked account management server 135 to register the linked account management policy information. Linked account operation policy information selection and / or input interface may be provided.

According to an embodiment of the present invention, the linked account operation policy information stored and registered in the storage medium 170 through the storage unit 150 is checked in response to a request of the check card payment account management server 100. When the balance of the card payment account is less than a certain amount, transfer a predetermined amount to fill the predetermined amount from the linked account associated with the check card payment account, and / or when the customer requests a check card payment, If the payment authorization request amount is larger than the balance of the check card payment account, the setting information may be set to transfer a predetermined amount from the linked account associated with the check card payment account to fill the check card payment approval request amount. However, the present invention is not limited thereto, and more implementation methods can be presented at the level of ordinary skill in the art.

In addition, the linked account management server 135, in connection with the storage medium 170 (or storage medium 170 operating means), check card payment confirmed through the full (or information) confirmation unit 160 Comparing the account information and / or linked account information with the check card payment account information and / or linked account information previously stored in the storage medium 170, thereby authenticating the validity of the check card payment account information and / or linked account information. The authentication processing unit 165 may be further included.

2 is a diagram illustrating a process of requesting a check card payment process from a predetermined merchant terminal to a card company server 175 according to an embodiment of the present invention.

FIG. 2 transmits the entire check card payment approval request message from the payment terminal device 195 shown in FIG. 1 to the card company server 175 based on the system configuration of FIG. Check card payment account information (or check card payment account management server 100 information) associated with the check card requested for payment approval, and check card payment account management server for managing and operating the checked check card payment account ( 100 shows a process of generating and transmitting a full debit authorization processing request in accordance with the check card payment request.

2, the payment terminal device 195 recognizes a card equipped with a predetermined check card payment means through a predetermined card reader, reads the check card number information from the card (200), and Receive a check card payment information including a payment amount, and / or receive a payment amount from a predetermined POS terminal, and perform a predetermined check including the check card number information and the check card payment information, etc. A card payment approval request full text is generated (205).

The payment terminal device 195 transmits the generated payment approval request message to the card company server 175 provided in the card company (or financial company) that issued the check card through a predetermined payment network (210).

When the card company server 175 receives the check card payment approval request message from the payment terminal device 195 through a predetermined payment network (215), the check card number is read by reading the received payment approval request message structure. Extraction (220) and check card payment account information associated with the check card in conjunction with the database provided in the card company server 175 on the basis of the extracted check card number (225).

The card company server 175 is a check card payment account management server 100 that manages and operates the checked check card payment account based on the transaction protocol defined between the check card settlement account management servers. And generates a predetermined debit processing approval request message including the extracted payment approval request amount information and transmits it to the check card payment account management server 100 (230).

According to another embodiment of the present invention, when the check card payment account management server 100 is a securities company (or insurance company) server, the full debit authorization request is the card company server 175 and the securities company (or insurance company) server It may be transmitted to a predetermined relay server (not shown separately) located between the transfer to the securities company (or insurance company) server, wherein the relay server is connected to the check card associated with the check card It is connected to at least one securities company (or insurance company) server that manages and operates through a predetermined network (eg, financial common network, Internet, leased line, etc.), and from the card company server 175 to the check card requested for payment Request for the balance check for the payment card information (eg, card number, etc.) and / or the payment approval request provided from the card company server 175 A securities company (or insurance company) information (or a securities company corresponding to the securities account) that receives securities account information and payment information (for example, payment amount information) associated with the check card and manages the securities account associated with the check card. Information), and the balance inquiry request information (for example, information including check card information (or securities account information), payment information, etc.) of the check card is transmitted to the confirmed securities company (or insurance company) server.

3 is a diagram illustrating a check card payment approval request specialized structure according to an embodiment of the present invention.

More specifically, FIG. 3 is a predetermined payment network generated by a predetermined payment terminal device 195 including a credit authorization terminal (CAT) through the process of FIG. For example, an exemplary method for a check card payment approval request specialized structure transmitted to a card company (or a financial company) through a value added network (VAN) is illustrated.

Preferably, one of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 3 to infer various implementation methods for a check card payment approval request specialized structure according to the intention to those skilled in the art. However, the present invention encompasses all the inferred implementation methods, and this check card payment approval request specialized structure is not limited to that illustrated in FIG.

Referring to Figure 3, the check card payment approval request full-text structure is at least one or more specialized information defined between a predetermined start character (STX (Start of TeXt), 0X02) and the end character (ETX (End of TeXt), 0X03) And after the terminating character, a checksum (CRC-CCITT) for the specialized information may be further included.

In addition, the full check card payment approval request may include transaction classification items (eg, check card payment request, check card payment cancellation) related to the check card payment, a Terminal_ID item for the payment terminal device 195, and a POS entry. Mode item and TRACK II Data item corresponding to payment means information obtained from a predetermined card through a card reader provided in the payment terminal device 195 (eg, PAN area of the TRACK II of the MS card). And check card information obtained from AD (Additional Data) and / or Discretionary Data (DD) areas, or check card information obtained from a check card file of an IC card.

In addition, the full check card payment approval request includes an installment months item, a total payment amount item, and a service fee item corresponding to the check card payment information after a predetermined FS (File Separator, 0X1C). Item, a password item, a product code item and a document serial number item.

Those skilled in the art to which the present invention pertains will be able to clearly understand the details of the above items based on the contents shown in FIG. 3, and thus the detailed description thereof will be omitted.

4 is a diagram illustrating a process of requesting a check card payment process from a card company server 175 to a check card payment account management server 100 according to an embodiment of the present invention.

4 is an example of a case where the check card payment account management server 100 shown in FIG. 1 is a securities company server, and the linked account associated with the check card payment account (eg, securities account) is a bank account. Receiving a check card payment approval request (eg, a full payment approval request) according to the use of the check card of the customer from the card company server 175 through the process of FIG. 2, the check card payment account management server 100 Or linked account operation policy information stored in the storage medium 170 interoperating with the check card payment account management server 100 (eg, linked account operation associated with the check card requested for payment approval). Policy information, etc.), and if the balance of the check card payment account is insufficient according to the confirmed linked account operation policy information, the linked account associated with the check card payment account Since the process is for performing the payment approval process take and transfer the money shortage.

According to another exemplary embodiment of the present invention, the storage medium 170 is provided in the linked account management server or is linked with the linked account management server.

Referring to FIG. 4, in the illustrated embodiment, a securities company server (or a linked account management server) receives linked account operation policy information for managing and operating a check card payment account from a client terminal (400) and receives the received linkage. Preferably, the process of storing the storage medium 170 in association with the account management policy information, the check card information, and the payment account information may be preceded (405).

In particular, in the present embodiment, the linked account operation policy information stored in the storage medium 170, when the payment card payment request of the customer, the payment approval request amount is larger than the balance of the check card payment account, It is characterized in that the setting information to transfer a predetermined amount to fill the check card payment approval request amount from the linked account associated with the check card payment account.

According to an embodiment of the present invention, when the securities company server receives the full payment processing approval request for check payment from the card company server 175 through the payment network (410), the securities company server receives from the card company server 175. The check card payment account information corresponding to the requested debit processing check card number is checked (415).

The securities company server compares the balance of the checked check card payment account with the payment request amount included in the debit processing approval request message, and determines whether payment is possible (420).

At this time, if the check card payment approval processing is possible with the remaining balance of the checked check card payment account (425), the securities company server is the debit processing approval response text corresponding to the debit processing approval request (for example, the check card payment) Full text including the approval details can be generated and transmitted to the card company server 175 (430).

On the other hand, if the check card payment approval processing is not possible due to the balance of the checked check card payment account (for example, the balance is insufficient), the securities company server is first processed in connection with the check card payment account is the storage medium 170 In operation 435, it is checked whether the linked account management policy information stored in the network exists.

Here, if the linked account operation policy information stored in the storage medium 170 does not exist in association with the check card payment account, the securities company server may transmit a debit authorization approval message corresponding to the debit authorization request message (eg And a full text including the details of the check card payment approval cannot be generated) and transmitted to the card company server 175.

However, if there is a linked account operation policy information previously stored in the storage medium 170 in association with the check card payment account (440), the securities company server is linked with the check card payment account from the storage medium 170. Processed and stored linked account management policy information is extracted (445), the extracted linked account management policy information is read, and linked account associated with the check card payment account according to the linked account management policy information (e.g., bank account) Request a transfer to the bank card that manages and operates the check card payment insufficient amount (450).

Then, the bank server transfers the requested transfer amount (for example, a lack of payment amount) from the linked account (eg, bank account) associated with the check card payment account to the check card payment account at the request of the securities company server. (455).

When the transfer processing for the shortage of the payment amount is completed from the linked account to the check card payment account, the securities company server compares the balance of the check card payment account including the transfer amount with the payment request amount, and confirms whether payment is possible. In step 460, the debit processing approval response message corresponding to the debit authorization request is generated and transmitted to the card company server 175 (430).

5 is a diagram illustrating a process of requesting a check card payment process from a card company server 175 to a check card payment account management server 100 according to another exemplary embodiment of the present invention.

5 is another embodiment of the case where the check card payment account management server 100 shown in FIG. 1 is a securities company server, and the linked account associated with the check card payment account (eg, securities account) is a bank account. As the check card payment account management server 100 shown in FIG. 1, the linked account management policy information and the customer check card information and / or check card payment account information for managing and operating the check card payment account transmitted from the customer. After storing in advance in the storage medium 170, the check card payment account balance periodically checks whether the check card payment account balance is consistent with the linked account management policy information stored in the storage medium (170) The process of managing and operating the check card payment account according to the verification result is shown.

Referring to FIG. 5, as shown in FIG. 4, the securities company server (or linked account management server) receives linked account operation policy information for managing and operating a check card payment account from a client terminal. Receiving (500), it is preferable to precede the process of storing in the storage medium 170 in association with the received linked account management policy information and the check card information and payment account information (505).

In particular, according to the present embodiment, the linked account operation policy information stored in the storage medium 170 in association with the customer check card information and / or the check card payment account information, the balance of the check card payment account is constant. If less than the amount, characterized in that it comprises the setting information to transfer a predetermined amount to fill the predetermined amount from the linked account associated with the check card payment account.

Referring to FIG. 5, after the linked account operation policy information, the check card information, and the payment account information are linked to the storage medium 170 at the securities company server, the linked account operation policy information is referred to by the securities company server. The customer check card payment account is inquired periodically (510).

In addition, the securities company server determines whether the check card payment account inquiry result corresponds to a preset limit amount according to the linked account operation policy information (515).

At this time, if the balance of the check card payment account does not meet the predetermined balance limit amount through the linked account management policy information (eg, an amount less than the set limit amount remains as a balance) (520), the securities company The server checks the deductible amount by deducting the balance from the preset check card payment account limit amount (525).

Through the above process, when the insufficient amount of the check card payment account is confirmed, the securities company server reads the linked account operation policy information, and manages the linked account (eg, bank account) associated with the check card payment account. Check the bank server information (eg, bank name, bank server address, etc.) to be operated, and request a transfer of the insufficient amount to the bank server associated with the checked check card payment account (530), and the bank server In response to the request of the securities company server, the transfer requested amount is transferred from the linked account to the check card payment account (535).

6 is a diagram illustrating a check card debit processing approval request specialized structure defined between the card company server 175 and the check card payment account management server 100 according to an embodiment of the present invention.

In more detail, FIG. 6 illustrates a case where a card company server 175 provided to the card company (or a financial company) and a check card payment account management server 100 for managing and operating a member account associated with the check card are securities company servers. FIG. 1 is a diagram illustrating an implementation method of a debit authorization request specialized structure generated and transmitted in response to the check card payment approval request between the card company server 175 and the securities company.

Persons of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 6 to infer the full text of various debit card approval requests according to the intention to those skilled in the art. It includes, but is not limited to, all implementation methods.

According to the method of the present invention, the debit processing request request message is received at the card company server 175 that receives the check card-based payment approval request message from the payment terminal device 195 in the process of FIG. Read the check card number and payment approval request amount from the full payment approval request, and the securities account number and / or securities company code and / or securities company branch code previously stored in the database provided in the card company corresponding to the read check card number By extracting, etc., a debit processing authorization request message including the check card number and payment approval request amount, the securities account number and / or securities company code, and / or securities company branch code may be generated and transmitted to the securities company server. .

According to another exemplary embodiment, when a predetermined relay server is located between the card company server 175 and the securities company server, the full debit authorization request message generated by the card company server 175 is transmitted to the relay server. In this case, the relay server may transmit the debit approval approval message to the securities company server corresponding to the securities company number and / or the securities company code and / or the securities company branch code included in the debit authorization.

In another exemplary embodiment, the card company server 175 reads out a check card number and a payment approval request amount from the received payment approval request message, and stores the check card number and the payment approval request amount in a database provided to the card company in response to the read check card number. By extracting the previously stored securities account number and / or securities company code and / or securities company branch code, the check card number and payment authorization request amount and the extracted securities account number and / or securities company code and / or securities company branch code Transmitting to the relay server, generating a full debit authorization request message including the check card number and payment authorization request amount, the extracted account number and / or the securities company code, and / or the securities company branch code from the relay server; The securities firm server corresponding to the securities account number and / or securities firm code and / or securities firm branch code. It can be configured to send a debit authorization processing specialist.

Referring to FIG. 6, the check card transmitted to a card company server 175 provided to the card company (or a financial company) and the securities company server (or a securities company server having a securities account linked to the check card through a relay server). A full debit authorization request card for requesting a debit authorization for a may include a common portion of 57 bytes and a separate portion of 293 bytes.

Here, it is preferable that the common part of the debit processing request request text message is included in all transaction data transmitted and received between the card company server 175 and the relay server and / or the securities company server for the check card-based payment processing. Those skilled in the art to which the present invention pertains will clearly understand the items defined in the common part of the check card debit authorization request full text, and thus the detailed description thereof will be omitted for convenience.

The individual unit of the check card debit processing authorization request specialist is a check card number item (CARD-NUM) received from the payment terminal device 195 to the card company server 175 through the payment approval request telegram, and the authorization request amount is The card company account number item (ACCOUNT) to be withdrawn from the member securities account to be processed and the approval request amount item (APRV-AMT) according to the payment amount received from the payment terminal device 195 through the full payment approval request message; The member securities company code item (STOCKS-CDE), the member securities account number item (PAN), the member branch code (BRAN-CDE) item, and the member bank statement content item ( INFO).

The individual unit may further include a reservation for maintaining a block size of 293 bytes.

7 is a diagram illustrating a process of requesting a check card payment process from a card company server 175 to a check card payment account management server 100 according to an exemplary embodiment of the present invention.

Figure 7 is a check card payment account management server 100 according to the present invention is a bank server, the linked account associated with the check card payment account (for example bank account) is an embodiment of a security account, Through the process of FIG. 2, the card company server 175 receives a check card payment approval request (for example, a full payment approval request) according to the use of the customer's check card, and is provided in the bank server or with the bank server. Check the linked account operation policy information (eg, linked account operation policy information previously stored in association with the check card requested for payment approval) stored in the storage medium 170 to be linked to the linked account operation policy information. When the balance of the check card payment account is insufficient, the shortage is transferred from the securities account associated with the check card payment account to receive the payment approval. It's about the process of doing it.

Referring to FIG. 7, in the illustrated implementation process, the bank server receives the linked account operation policy information for managing and operating the check card payment account from the customer terminal (700), and receives the received linked account operation policy information and the check. In operation 705, the storage medium 170 may be connected to the card information and the payment account information.

In order to more effectively describe the present invention through the present embodiment, the linked account operation policy information stored in the storage medium 170 in association with the check card information and the payment account information, when the customer requests the check card payment, When the payment authorization request amount is larger than the balance of the check card payment account, the predetermined amount may be transferred from the security account associated with the check card payment account to fill the check card payment approval request amount.

According to an exemplary embodiment of the present invention, when the bank server receives a full debit authorization request for check payment from a card company server 175 through a payment network (710), the bank server receives the card company server 175 from the bank server. Check the check card payment account information corresponding to the debit processing request requested debit authorization (715), and compare the balance of the checked check card payment account with the payment request amount included in the debit authorization request. It is determined whether approval is possible (720).

Here, if the check card payment approval processing is possible with the balance of the checked check card payment account (725), the bank server is a debit authorization response message (for example, the check card payment approval) corresponding to the debit authorization request; Full text including the possible details, etc.) are generated and transmitted to the card company server 175 (730).

However, if the check card payment approval processing is not possible due to the balance of the checked check card payment account (for example, insufficient balance, etc.), the bank server first processes the check card payment account in association with the storage medium 170. Check whether there is already stored linked account operation policy information (735).

At this time, if there is no linked account operation policy information stored in the storage medium 170 in association with the check card payment account, the bank server may request a full debit authorization response message (eg, corresponding to the debit authorization request). And a full text including the details of the check card payment approval cannot be generated) and transmitted to the card company server 175.

On the other hand, if there is linked account management policy information previously stored in the storage medium 170 in association with the check card payment account (740), the bank server from the storage medium 170 and the check card payment account; The linkage account management policy information stored by linkage processing is extracted (745).

The bank server reads the extracted linked account management policy information and manages and operates a linked account (eg, a securities account) linked to the check card payment account according to the linked account management policy information. In step 750, a transfer request for the insufficient amount of the check card settlement is requested.

Then, the securities company server that manages and manages the securities account (for example, the linked account of the check card payment account) linked to the check card payment account is requested to be transferred according to the request of the bank server (for example, lack of payment amount). In step 755, the bank account associated with the check card payment account is transferred to the check card payment account.

Through the above process, when the transfer processing for the shortage of the payment amount is completed from the bank account to the check card payment account, the bank server compares the balance of the check card payment account including the transfer amount with the payment request amount. Re-determining whether payment approval is possible (760), and generates a debit authorization response message corresponding to the debit authorization request and transmits it to the card company server 175 (730).

8 is a diagram illustrating a process of requesting a check card payment process from a card company server 175 to a check card payment account management server 100 according to another exemplary embodiment of the present invention.

8 is another embodiment of the case where the check card payment account management server 100 according to the present invention is a bank server, and the linked account associated with the check card payment account (for example, a bank account) is a security account. The bank server stores the information on the storage medium 170 in association with the linked account operation policy information for managing and operating the check card payment account transmitted from the customer and the customer check card information and / or the check card payment account information. Periodically checking the check card payment account balance to check whether the check card payment account balance corresponds to the linked account operation policy information stored in the storage medium 170, and managing the check card payment account according to the verification result. And a diagram illustrating a process of operation.

Referring to FIG. 8, as shown in FIG. 7, the bank server receives the linked account operation policy information for managing and operating the check card payment account from the customer terminal in the bank server (800). Preferably, the process of storing the linked account operation policy information, the check card information, and the payment account information in the storage medium 170 is preceded (805).

According to FIG. 8, the linked account operation policy information stored in the storage medium 170 in association with the customer check card information and / or the check card payment account information may have a balance less than or equal to a predetermined amount. When a certain amount of money is filled in order to fill the predetermined amount from a linked account (for example, a securities account) associated with the check card payment account.

Referring to FIG. 8, after the linked account operation policy information, the check card information and the payment account information are linked to the bank server and stored in the storage medium 170, the linked bank operation policy information is referred to by the bank server. In step 810, the customer check card payment account is inquired.

In operation 815, the bank server determines whether the check card payment account balance corresponds to a preset limit amount according to the linked account operation policy information.

In this case, if the balance of the check card payment account does not meet the predetermined balance limit amount through the linked account management policy information (eg, an amount less than the set limit amount remains as a balance) (820), the bank The server checks the deductible amount by deducting the balance from the preset check card payment account limit amount (825).

Through the above process, if the insufficient amount of the check card payment account is confirmed, the bank server reads the linked account operation policy information, and manages the linked account (eg, securities account) associated with the check card payment account; Check the securities company server information (eg, securities company name, securities company server address, etc.), and request the transfer of the insufficient amount to the securities company server that manages and operates the securities account associated with the checked check card payment account. The securities firm server transfers the requested transfer amount from the securities account to the check card payment account according to the request of the bank server (835).

9 is a diagram illustrating a check card debit processing approval request specialized structure defined between the card company server 175 and the check card payment account management server 100 according to an embodiment of the present invention.

FIG. 9 illustrates a check card debit processing approval request specialized structure defined between the card company server 175 and the check card payment account management server 100 in the implementation process of FIGS. 7 to 8. 9 is a check card payment account associated with the check card and the card company server 175 provided in the card company (or financial company) when the check card payment account management server 100 according to the present invention is a bank server. As an example of an embodiment of a specialized structure for requesting the debit processing authorization of the check card from the card company server 175 to the bank server, the present invention has a general knowledge in the art. If one grows up, the present invention may be deduced by referring to and / or modifying the present invention, in order to infer the full text of various debit card approval requests according to the intention to those skilled in the art. It includes, but is not limited to, all inference methods.

Referring to FIG. 9, the card company server 175 is connected to the bank server between a card company server 175 included in the card company (or a financial company) and a bank server on which a check card payment account associated with the check card is opened. The full check card debit processing authorization request requesting the debit processing approval for the check card is characterized by including a common part of 57 bytes and a separate part of 293 bytes.

The common unit may be commonly included in all transaction data transmitted and received between the card company server 175 and the bank server for the check card-based payment processing.

Those skilled in the art to which the present invention pertains will clearly understand the items defined in the common part of the check card debit authorization request full text, and thus the detailed description thereof will be omitted for convenience.

The individual unit of the check card debit processing approval request message is received from the payment terminal device 195 to the card company server 175 through the check card payment approval request message shown in FIG. 3 (CARD-NUM). And an authorization request amount including the credit card company account number item (ACCOUNT) to be withdrawn and processed from the member account, and the payment amount received from the payment terminal device 195 through the check card payment approval request message. Item (APRV-AMT), member bank code item (BANK-CDE), member account number item (PAN), member branch code (BRAN-CDE) item extracted from the card company database based on the check card number And a member bank statement content item (INFO), and further comprising a reservation (FILLER) for maintaining a block size of 293 bytes of the individual unit.

10 is a diagram illustrating storage information of the storage medium 170 provided in the check card payment account management server 100 according to the embodiment of the present invention.

10 is a storage medium 170 provided in the check card payment account management server 100 shown in FIG. 1 or interworking with the check card payment account management server 100 through a predetermined network and / or interface means. Or it is a view showing a relationship between the storage information stored in the storage medium operating means 170.

Referring to FIG. 10, the storage information stored in the storage medium 170 includes customer information, account management information, and linked account operation policy information. The customer information, account management information, and linked account operation may be used. The policy information may be stored in a mutually linked process.

The customer information may include personal information (eg, a customer name, a customer unique code (member ID, social security number, etc.), etc.) of a customer registered (or registered as a member) in the check card payment account management server 100, customer-owned communication means. It can be configured to include information.

The account management information includes at least one account information (eg, check card payment account, linked account, etc.) held by the customer and registered in the check card payment account management server 100, and check card payment according to the present invention. And a predetermined amount of money transfer history generated between the linked account associated with the account and the check card payment account.

The linked account operation policy information may include check card payment account information and linked account related information associated with the check card payment account according to the present invention.

In particular, the linked account management policy information is referred to by the check card payment account management server 100 when the check card payment account is insufficient, when the balance of the check card payment account, the check card payment account and Check card payment account balance setting information and / or periodically, the balance of the check card payment account to check the check card payment account to facilitate the check card payment processing of the customer in conjunction with the associated linked account, payment of the check card Characterized in that it comprises a check card payment account limit setting information linked to the linked account associated with the check card payment account so that the balance of the account maintains a certain limit.

11 is a diagram illustrating a system for operating an automatic debit processing account linked to a check card payment account according to another embodiment of the present invention.

In FIG. 11, in the system of FIG. 1, each function component provided in the check card payment account management server 100 and the linked account management server 135 provided in each server is configured on one server. Embodiment for the case provided in.

Therefore, in describing FIG. 11, in order to more clearly describe the illustrated embodiment, descriptions of components that perform the same functions as those of FIG. 1 will be omitted.

In more detail, FIG. 11 illustrates a predetermined payment approval request text for a check card payment processing at a merchant equipped with a predetermined payment terminal device 195, and the payment approval request text is transmitted through a predetermined payment network. Or a financial company) provided to a predetermined card company server 175, the card company server 175 checks the check card payment account information associated with the check card included in the full payment approval request, the check card payment The check card payment account management server 100 for managing and operating an account is requested to approve the check card payment, and the check card payment account is checked by the check card payment account management server 100 for the check card payment. The balance of the account is compared with the payment authorization request amount, and as a result of the comparison, the balance of the check card payment account is less than the payment authorization request amount. The check may be performed by referring to the check card payment account amount setting information stored in association with the check card information (or customer information) in a predetermined storage medium 170 interoperating with the check card payment account management server 100. Check the at least one linked account information associated with the card payment account, and automatically transfer the insufficient payment amount from the linked account to the check card payment account according to the linked account operation policy information; It is about one implementation method for the system configuration to be performed.

Those skilled in the art to which the present invention pertains, the check card payment based on the linked account operation policy information stored in association with the check card information (or customer information) by referring to and / or modified in this figure 11 It will be possible to infer various system configurations for performing the check card payment processing through the operation of an automatic transfer processing account linked to the account, but the present invention includes all the inferred implementation method, as shown in FIG. It is to be understood that the invention is not limited to the described method.

Referring to FIG. 11, the system is provided in at least one affiliated store, and is connected to a payment terminal device 195 that provides a check card payment and a predetermined payment network (eg, a value added network (VAN)). The card company (or financial company) that issued the check card receives a check card payment approval request message transmitted from the payment terminal device 195 and check card information included in the received check card payment approval request message ( For example, the card company that reads the check card payment account information associated with the check card, etc., and requests the approval of the check card payment to the check card payment account management server 100 that manages and operates the check card payment account. Set a predetermined check card payment account amount for managing and operating the check card payment account associated with the check card from the server 175 and the check card user Selected and / or inputted information, and the selected and / or inputted linked account operation policy information in conjunction with the check card user information and the check card information and / or check card payment account information, a predetermined storage medium 170 ), And when the approval request for the check card payment is received from the card company server 175 through a predetermined transaction protocol, the balance of the check card payment account is compared with the check card payment approval request amount, and If the balance of the check card payment account is less than the check card payment approval request amount, based on the linked account operation policy information previously stored in the storage medium 170 in association with the check card information (or check card payment account information). And transfer the insufficient payment amount from the linked account associated with the check card payment account to the check card payment account. Including lock check card payment account management server 100, which is characterized in that configuration.

The card company server 175 is provided in the card company (or financial company) to perform the payment processing using the check card according to the present invention, a predetermined network (for example, a financial network or at least one card company (or Financial company) and a dedicated communication network connecting the relay server, etc.) to at least one check card payment account management server 100 for managing and operating the check card payment account, and the card company server 175 Detailed configuration of the present invention will be described with reference to FIG. 1.

According to the present invention, the check card payment account management server 100 includes a securities company server or a bank server, and connects a predetermined network (eg, a financial network or at least one or more card companies and the check card payment account management server 100). The at least one card company server 175 through a dedicated communication network, and the like, and a storage medium 170 for storing customer information (member information), account management information of the customer, and / or It is characterized by interlocking with the storage medium 170 operating means for storing and managing the customer information (member information), the account management information of the customer through a network and / or interface means.

As described above, the account management information includes the customer check card information and the linked account information associated with the check card (and / or the linked account management server 135 information) and the linked account management policy set by the customer. Information, and the linked account operation policy information is referenced by the check card payment account management server 100 according to a predetermined period or at the time of using the check card of the customer, and checks the check card of the customer. Characterized in that the processing can be performed smoothly.

According to the present invention, the check card payment account management server 100 comprises at least one or more servers (or devices), and / or includes a function configuration unit according to the present invention in a predetermined server (or device). It is possible to achieve all, by which the present invention is not limited.

In more detail with reference to Figure 11, the check card payment account management server 100 is registered with the predetermined account management policy information for operating a customer check card payment account according to the invention the customer information and / or The storage unit 1130 registers / stores the storage card 170 in association with check card information and / or check card payment account information, and the check card from the card company server 175 when the customer uses the check card. Receiving unit 1115 for receiving a payment approval request, and check card payment account requested payment approval in conjunction with the storage medium 170 to check whether the linked account operation policy information is a registered check card payment account according to the present invention. A check to check the balance of the check card payment account requested to confirm payment 1135 and the payment approval, and compare the balance of the check card payment account with the payment approval request amount; When the balance of the card payment account inquiry unit 1125 and the check card payment account requested for payment approval is smaller than the payment approval request amount, the check is performed by referring to the linked account operation policy information stored in the storage medium 170. It may be configured to include an account management unit 1120 that determines to receive the insufficient payment amount from the linked account associated with the card payment account.

In addition, according to an embodiment of the present invention, when the account management unit 1120 determines that the insufficient payment amount is transferred from the linked account associated with the check card payment account, the check from the linked account for the insufficient payment amount Characterized in that the amount transfer to the card payment account.

In addition, according to the embodiment of the present invention, the check card payment account management server 100, the check card payment approval result corresponding to the check card payment approval request from the card company server 175 (for example, debit processing authorization) It may be configured to further include a transmission unit (1110) for transmitting the full message) to the card company server (175).

The account manager 1120 manages at least one customer account stored in the storage medium 170, and the balance of the check card payment account according to the inquiry result of the check card payment account of the account inquiry unit 1125. When the amount is less than the payment approval request amount, the associated account management policy information corresponding to the check card number and / or the check card payment account information is extracted from the storage medium 170 and included in the linked account operation policy information. Checking the linked account information of the check card payment account, determining to receive an insufficient amount for the payment from the linked account, and transferring the insufficient payment amount from the linked account to the check card payment account according to the determination result. It is characterized by.

In addition, when the account management unit 1120 includes the linked account operation policy information for maintaining the balance of the check card payment account constant, the account inquiry unit 1125 periodically Or, when the payment process of the check card, if the balance check result of the check card payment account is passed, it is confirmed and the check card payment account balance inquiry result, the check card payment account balance is transferred to the linked account management policy information If it is determined to be less than or equal to a predetermined amount set to be maintained, it is determined to transfer a predetermined amount from the linked account associated with the check card payment account to maintain the predetermined amount, and the payment is insufficient from the linked account according to the determination result. Characterized in that the transfer amount to the check card payment account.

12 is a diagram illustrating a process of requesting a check card payment process from a card company server 175 to a check card payment account management server 100 according to another exemplary embodiment of the present invention.

12 is a check card payment approval request (eg, debit) according to the use of the customer's check card from the card company server 175 through the process of FIG. 2 in the check card payment account management server 100 shown in FIG. Receiving the entire request for approval of processing, etc.), the linked account operation policy information previously provided in the check card payment account management server 100 or stored in the storage medium 170 interoperating with the check card payment account management server 100. (E.g., linked account operation policy information previously stored in association with the check card requested for payment approval), and when the balance of the check card payment account is insufficient according to the confirmed linked account operation policy information, the check card payment is made. The present invention relates to a process of performing the payment approval process by transferring the shortage amount from a linked account linked to an account.

Referring to FIG. 12, in the illustrated embodiment, the check card account management server receives the linked account operation policy information for managing and operating the check card payment account from the customer terminal (1200), and receives the received linked account operation policy information. And storing the data in the storage medium 170 in association with the check card information and the payment account information (1205).

Here, the linked account operation policy information stored in the storage medium 170, when the check card payment request of the customer, if the payment approval request amount is larger than the balance of the check card payment account, the check card payment account It is preferable that the setting information to transfer a predetermined amount to fill the check card payment approval request amount from the linked account associated with.

According to FIG. 12, when the check card account management server receives the full debit processing authorization request for check payment from the card company server 175 through the payment network (1210), the check card account management server is the card company server 175. Check the check card payment account information corresponding to the debit processing request requested debit card received from 1212, and check the balance of the checked check card payment account and the payment request amount included in the debit authorization request. In operation 1220, it is determined whether the payment can be approved.

According to an embodiment of the present invention, if the check card account management server is a securities company server, the full debit authorization request received from the card company server 175 is in accordance with FIG. 6 described above. In the case of a bank server, the entire debit authorization request received from the card company server 175 is preferably in accordance with FIG. 9.

Here, if the check card payment approval processing is possible with the balance of the checked check card payment account (1225), the check card account management server is a full debit authorization response message corresponding to the debit authorization request (eg, the check). Full text including the details of the card payment approval is generated and transmitted to the card company server 175 (1230).

On the other hand, if the check card payment approval processing is not possible due to the balance of the checked check card payment account (for example, insufficient balance, etc.), the check card account management server first processes the check card payment account in association with the storage medium. In operation 170, it is checked whether the linked account operation policy information previously stored in the 170 exists.

In this case, if the linked account operation policy information previously stored in the storage medium 170 does not exist in association with the check card payment account, the check card account management server responds to the debit processing approval response corresponding to the debit processing authorization request. A full text (for example, a full text including the check card payment approval details) is generated and transmitted to the card company server 175.

On the other hand, if there is linked account operation policy information previously stored in the storage medium 170 in association with the check card payment account (1240), the check card account management server is the check card from the storage medium 170; Linked account management policy information stored in association with a payment account is extracted (1245), the extracted linked account operation policy information is read, and linked account information linked to the check card payment account according to the linked account operation policy information. Check (1250).

In addition, the check card payment account management server 100 processes the deficit of the payment amount from the linked account to the check card payment account with reference to the confirmed linked account information (1255), and includes the transfer amount. Comparing the balance of the check card payment account and the payment request amount to determine whether the payment approval is possible (1260), and generates a debit processing authorization response message corresponding to the debit processing authorization request is sent to the card company server (175) (1230).

13 is a diagram illustrating a process of requesting a check card payment process from a card company server 175 to a check card payment account management server 100 according to another embodiment of the present invention.

FIG. 13 shows the linked account operation policy information and the customer check card information and / or check card payment account for managing and operating the check card payment account transmitted from the customer in the check card payment account management server 100 shown in FIG. After the information is stored in the storage medium 170 in association with the information, the check card payment account balance is periodically queried to determine whether the check card payment account balance corresponds to the linked account operation policy information stored in the storage medium 170. Confirmation, it is a view showing a process of managing and operating the check card payment account according to the verification result.

Referring to FIG. 13, in the illustrated embodiment, the check card account management server receives linked account operation policy information for managing and operating a check card payment account from a customer terminal (1300), and receives the received linked account operation policy information. In addition, the process of storing the storage medium 170 in association with the check card information and the payment account information is preferably preceded (1305).

Here, the linked account operation policy information stored in the storage medium 170 in association with the customer check card information and / or the check card payment account information, when the balance of the check card payment account is less than a predetermined amount, It is preferable to include the setting information to transfer a predetermined amount in order to fill the predetermined amount from the linked account associated with the check card payment account.

Referring to FIG. 13, the linked account operation policy information, the check card information, and the payment account information are stored in the storage medium 170 in association with the check card account management server, and then the linked account in the check card account management server. The customer check card payment account storing the operation policy information is periodically inquired (1310).

In operation 1315, the check card account management server determines whether the check card payment account balance corresponds to a preset limit amount according to the linked account operation policy information.

At this time, if the check card payment account balance does not meet the predetermined balance limit amount through the linked account management policy information (eg, an amount less than the set limit amount remains as a balance) (1320), the check The card account management server checks the insufficient amount by deducting the balance from the predetermined check card payment account limit amount (1325).

Through the above process, if the insufficient amount of the check card payment account is confirmed, the linked account operation policy information is read, and the linked account information associated with the check card payment account is checked (1330). With reference to the account information, the deficiency limit amount of the check card payment account is transferred from the linked account to the check card payment account (1335).

According to the present invention, by linking a check card payment account with a linked account provided to a securities company (or insurance company) or a bank, etc., it is possible to prevent unusability due to insufficient balance of the check card, and a predetermined policy ( For example, by setting a limit, etc., the use of a scaled check card can be extended.

Claims (19)

A check card payment account management means for managing a check card payment account; Balance checking means for checking the balance of the check card payment account; If the result of the check, less than the predetermined amount, provided with a full-text (or information) transmitting means for transmitting a predetermined amount (or information) of the predetermined amount deposit request to the linked account management server that manages the linked account associated with the check card payment account; Check card payment account management server; And Linked account management means for managing the linked account of the check card payment account, Full text (or information) receiving means for receiving the full text payment request (or information) from the check card payment account management server; Full-text (or information) checking means for reading the full amount (or information) of the payment request, and confirming the check card payment account information, the linked account information and the payment request amount information; And a linked account management server having an account transfer processing means for withdrawing the confirmed amount from the linked account and depositing the withdrawn money into the check card payment account. Linked Account Management System. The method of claim 1, wherein the linked account management server, And storing information on the check card payment account information and the linked account information associated with the check card payment account and storing the information on a predetermined storage medium. Check card payment account information previously stored in the storage medium in connection with the storage medium (or storage medium operation means), and check card payment account information and / or linked account information identified through the full-text (or information) verification means; And / or authentication processing means for authenticating the validity of the check card payment account information and / or the linked account information in comparison with the linked account information. The method of claim 2, The information storage means, And storing the linked account operation policy information set by the check card user or server in the storage medium, the policy information setting an amount of money to be processed in response to a deposit request of the check card payment account management server. Features, The authentication processing means, In connection with the storage medium (or storage medium operating means), the deposit request amount information confirmed through the full-text (or information) checking means and the amount of money limit information previously stored in the storage medium, the validity of the deposit request amount Linked account management system of the check card payment account, characterized in that for authenticating. The method of claim 1, wherein the linked account, Linked account management system of the check card payment account, characterized in that it comprises at least one or more securities account, CMA account, bank account. A check card payment account management means for managing a check card payment account; When the check card payment approval is not possible due to the lack of the balance of the check card payment account, transmitting the full amount (or information) of a predetermined amount payment request to the linked account management server that manages the linked account associated with the check card payment account. A check card payment account management server having a full (or information) transmission means; And Linked account management means for managing the linked account of the check card payment account, Full text (or information) receiving means for receiving the full text payment request (or information) from the check card payment account management server; Full-text (or information) checking means for reading the full amount (or information) of the payment request, and confirming the check card payment account information, the linked account information and the payment request amount information; And a linked account management server having an account transfer processing means for withdrawing the confirmed amount from the linked account and depositing the withdrawn money into the check card payment account. Linked Account Management System. According to claim 5, The linked account management server, And storing information stored in a predetermined storage medium by linking and processing the check card payment account information and the linked account information associated with the check card payment account. Check card payment account information previously stored in the storage medium in connection with the storage medium (or storage medium operation means), and check card payment account information and / or linked account information identified through the full-text (or information) verification means; And / or authentication processing means for authenticating the validity of the check card payment account information and / or the linked account information in comparison with the linked account information. The method of claim 6, The information storage means, And storing the linked account operation policy information set by the check card user or server in the storage medium, the policy information setting an amount of money to be processed in response to a deposit request of the check card payment account management server. Features, The authentication processing means, In connection with the storage medium (or storage medium operating means), the deposit request amount information confirmed through the full-text (or information) checking means and the amount of money limit previously stored in the storage medium to compare the amount of the deposit request amount; Linked account operating system of the check card payment account, characterized in that to validate the validity. The method of claim 5, wherein the deposit request amount, Linked account management system of the check card payment account, characterized in that comprises the amount corresponding to the shortage of the payment account balance for the check card payment approval. The method of claim 5, wherein the linked account, Linked account management system of the check card payment account, characterized in that it comprises at least one or more securities account, CMA account, bank account. Check card payment account information, linked account information associated with the check card payment account and the linked account operation policy information set by the check card user or server-specific date and / or the check card in the linked account at a specific period Information storage means for linking and processing the policy information for setting a deposit amount to a payment account in a predetermined storage medium; In connection with the storage medium (or storage medium operating means), periodically checking the linked account operation policy information, and confirming the amount and date of the deposit deposited from the linked account to the check card payment account in response to the verification result Information checking means; And Check the check card payment account linked to the linked account in association with the storage medium (or storage medium operating means), and the amount is confirmed on the deposit date confirmed in the information checking means with the checked check card payment account. Account management means for deposit processing; linked account management system of the check card payment account, characterized in that comprises a. The method of claim 10, wherein the linked account, Linked account management system of the check card payment account, characterized in that it comprises at least one or more securities account, CMA account, bank account. Confirming a payment account balance in a check card payment account management means for managing the check card payment account; As a result of the check, if less than the predetermined amount, the predetermined amount (or information) transmission means associated with the check card payment account management means to the linked account management server that manages the linked account associated with the check card payment account a predetermined amount Transmitting the full deposit request (or information); Receiving the full amount (or information) of the money deposit request message from a predetermined full text message (or information) receiving means provided or connected to the linked account management server; Confirming the full amount (or information) of the money deposit request in a predetermined full text (or information) verification means provided or connected to the linked account management server; And Withdraw the predetermined amount from the linked account based on the identified amount transfer request full text (or information) in the predetermined account transfer processing means provided or connected to the linked account management server, and withdraws the withdrawn amount. Step of depositing payment to the check card payment account; linked account operating method of the check card payment account, characterized in that comprises a. If the check card payment approval is not possible due to the lack of the balance of the check card payment account, the check card payment account in a predetermined message (or information) transmission means associated with the check card payment account management means for managing the check card payment account. Transmitting a full amount (or information) of a predetermined amount deposit request to a linked account management server that manages a linked account associated with the account; Receiving the full amount payment request text (or information) from a predetermined text (or information) receiving means provided or connected to the linked account management server; Confirming the full amount (or information) of the money deposit request in a predetermined full text (or information) verification means provided or connected to the linked account management server; And Withdraw the predetermined amount from the linked account on the basis of the identified amount transfer request full text (or information) in the predetermined account transfer processing means provided or connected to the linked account management server, and withdraws the withdrawn amount. Step of depositing payment into the check card payment account; Link account management method of the check card payment account, characterized in that comprises a. In a predetermined information storage means, the check card payment account information, the linked account information associated with the check card payment account, and the linked account operation policy information set by the check card user or server are stored in a predetermined storage medium. An information storing step; The amount of money deposited from the linked account to the check card payment account in response to the verification result, periodically checking the linked account operation policy information in association with the storage medium (or storage medium operating means) in a predetermined information checking means. And information confirming step of confirming the deposit date; And In connection with the storage medium (or storage medium operating means) in a predetermined account management means, check the check card payment account linked to the linked account, and confirmed in the information verification step with the checked check card payment account Account management step of depositing the amount of money on the deposit date; linked account operating method of the check card payment account, characterized in that comprises a. The method of claim 12 or 13 or 14, wherein the linked account, Linked account operating method of the check card payment account, characterized in that it comprises at least one or more securities account, CMA account, bank account. A computer-readable recording medium having recorded thereon a program for executing the method of claim 12 or 13 or 14. Linked account management unit for managing the linked account of the check card payment account; A full-text (or information) receiving unit for receiving a predetermined amount (or information) of a predetermined amount of money request from the check-card payment account management means for managing the check-card payment account; A full text (or information) confirmation unit for confirming the received full text payment request information (or information); And And a transfer processing unit for withdrawing a predetermined amount from the linked account managed by the linked account management unit and depositing the withdrawn money into the check card payment account in response to the verification result. server. Linked account management unit for managing the linked account of the check card payment account; An information confirmation unit periodically checking an amount and a deposit date of money deposited into the check card payment account; And And a transfer processing unit for withdrawing a predetermined amount from the linked account managed by the linked account management unit and depositing the withdrawn money into the check card payment account in response to the verification result. server. A computer-readable recording medium having recorded thereon a program for executing a function of the server component of claim 17 or 18.

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