KR20080003301A - System and method for processing information and program recording medium - Google Patents

Abstract

A method for processing information, a system thereof, and a program recording medium therefor are provided to enable a user to receive a financial service and a mileage service concurrently via one financial IC card and to make it unnecessary for an affiliated store to construct other special mileage management system. A system for processing information comprises a storage medium, a database, an information receiver(145) and a mileage processor(150). The storage medium stores information on an IC card, owned by a user, in association with an integrated mileage identifier for checking and identifying that the mileage provided by each affiliated store is integrated in response to payment settlement via the IC card. The database stores information on plural affiliated stores in association with mileage point information wherein the information on the affiliates stores is set for integrating mileage points and providing the integrated mileage points for the user in response to the payment settlement via the IC card. The information receiver(145) receives the information on the IC card and the affiliated store when the user settles payment via the IC card at one among plural affiliated stores. The mileage processor(150) checks the integrated mileage identifier in association with the information on the IC card by linking with the storage medium, checks whether the affiliated store at which the user settles the payment provides the mileage, checks the information on the mileage point provided by the affiliated store, and performs processes for providing the mileage for the user.

Description

System and Method for Processing Information and Program Recording Medium

1 is a diagram illustrating an integrated mileage management system according to an embodiment of the present invention.

2 illustrates an IC chip-based financial IC card structure according to an embodiment of the present invention.

3A and 3B illustrate a structure of a ledger-based financial IC card according to another embodiment of the present invention.

4A, 4B, and 4C illustrate a ledger information structure including a financial IC card identifier (or a divided value) according to one embodiment of the present invention.

5 is a diagram illustrating a system for issuing and registering information on a ledger-based financial IC card according to an exemplary embodiment of the present invention.

6A and 6B illustrate a process of issuing a ledger-based financial IC card according to an embodiment of the present invention.

7 is a view showing a ledger-based financial IC card issuing process according to another embodiment of the present invention.

8 is a diagram illustrating a system for issuing and registering information on a ledger-based financial IC card according to another embodiment of the present invention.

9A and 9B illustrate a process of issuing a ledger-based financial IC card according to an embodiment of the present invention.

10 is a diagram illustrating a ledger-based financial IC card issuing process according to another embodiment of the present invention.

11 is a diagram illustrating a ledger-based financial IC card structure for integrated mileage management according to an embodiment of the present invention.

12A and 12B illustrate a structure of a ledger-based financial IC card for integrated mileage management according to another exemplary embodiment of the present invention.

13A, 13B, and 13C illustrate a ledger information structure including an integrated mileage identifier (or a divided value) for integrated mileage operation according to an embodiment of the present invention.

14 is a view illustrating an operation process of an IC card terminal for a financial transaction (or electronic payment) using an IC chip-based financial IC card according to an embodiment of the present invention.

15 is a diagram illustrating an operation process of an IC card terminal for a financial transaction (or electronic payment) processing using an IC chip-based financial IC card according to an embodiment of the present invention.

16 is a diagram illustrating an operation process of a payment server and / or a financial server for a financial transaction (or electronic payment) using an IC chip-based financial IC card according to an embodiment of the present invention.

17 is a diagram illustrating an integrated mileage providing process using an IC chip-based financial IC card according to an embodiment of the present invention.

18 illustrates an operation process of a payment server and / or a financial server and the IC card terminal for completing a financial transaction (or electronic payment) and integrated mileage using an IC chip-based financial IC card according to an embodiment of the present invention. Drawing.

19 is a diagram illustrating an operation process of an IC card terminal for a financial transaction (or electronic payment) using a ledger-based financial IC card according to an embodiment of the present invention.

20 is a diagram illustrating an operation process of a payment server and / or a financial server for a financial transaction (or electronic payment) using a ledger-based financial IC card according to an embodiment of the present invention.

21 is a diagram illustrating an operation process of an IC card terminal for financial transaction (or electronic payment) processing using a ledger-based financial IC card according to an embodiment of the present invention.

22 is a diagram illustrating an operation process of a payment server and / or a financial server for a financial transaction (or electronic payment) using a ledger-based financial IC card according to an embodiment of the present invention.

23 is a diagram illustrating a process of providing integrated mileage using a ledger-based financial IC card according to an embodiment of the present invention.

24 is a diagram illustrating an operation process of a payment server and / or a financial server and the IC card terminal for completing a financial transaction (or electronic payment) and integrated mileage using a ledger-based financial IC card according to an embodiment of the present invention. to be.

<Description of main parts of drawing>

100: payment server 120: financial server

140: integrated mileage server 145: information receiving unit

150: mileage processing unit 155: integrated mileage merchant confirmation unit

160: coupon extraction unit 165: coupon transmission unit

The present invention provides a customer-owned IC card information-IC chip serial number, key value (or hash code) provided on the IC chip, payment means (or financial means) identifier provided on the IC chip, and payment through the IC card A storage medium in association and storing an integrated mileage identifier for confirming and identifying the integrated mileage provided to each of the customers in response to a (or financial transaction), and payment through the IC card (or financial) And a database (1) for storing a plurality of affiliated store information configured to integrate and provide mileage points to the customer, and mileage point information to be provided to each customer at each affiliated store, and one of the plurality of affiliated stores. The IC card information and the merchant at the time of the payment settlement (or the financial transaction) using the IC card at the merchant participating in the payment settlement (or the financial transaction) Check the integrated mileage identifier associated with the IC card information in association with the information receiving means for receiving the information and the storage medium (or the storage medium operating means), and when confirming the integrated mileage identifier, the database 1 Check whether the merchant targeted for payment (or financial transaction) corresponding to the merchant information is an affiliate store for providing mileage, and when confirming the affiliate store for mileage providing, confirms mileage point information provided to the customer by the merchant, and confirms It relates to an information processing system comprising mileage processing means for processing a given mileage point is provided to the customer.

To increase customer loyalty, service providers such as theaters and / or beauty salons and / or family restaurants issue and use mileage cards based on magnetic stripe (MS) cards.

However, the MS-based mileage card as described above has a problem of always having a large number of cards from the customer's point of view, and a problem of having to obtain a separate mileage management system from the service company's point of view.

The present invention is derived to solve the above problems, the payment card (or financial transaction) of any one of a plurality of merchants targeted for payment (or financial transactions) using the IC card at the merchant, the IC card information An IC chip serial number, a key value (or hash code) provided on the IC chip, a payment means (or financial means) identifier provided on the IC chip, and information receiving means for receiving merchant information, and reading the IC card information. Check whether the mileage is provided to the customer on behalf of the affiliated merchant that is subject to the payment settlement (or financial transaction), and when confirming the mileage provision, in response to payment settlement (or financial transaction) through a customer-owned IC card A plurality of affiliated store information set to integrate and provide mileage points to be provided at each affiliated store on behalf of the affiliated store, and at each affiliated store; In connection with the database (1) that links and stores the mileage point information to be provided to the customer, confirm that the merchant targeted for payment (or financial transaction) corresponding to the merchant information is the merchant affiliated with the mileage provided, and the merchant affiliated with the mileage provided Upon confirmation, the affiliate store checks mileage point information provided to the customer, and provides the information processing method comprising the step of processing the confirmed mileage point to be provided to the customer.

The information processing system according to the present invention includes a customer-owned IC card information-IC chip serial number, key value (or hash code) provided on the IC chip, payment means (or financial means) identifier provided on the IC chip, and A storage medium in association with and storing an integrated mileage identifier for confirming and identifying that the respective merchants provide the mileage provided to the customer in response to payment through an IC card (or financial transaction); A database (1) for storing a plurality of affiliated store information configured to integrate and provide mileage points to the customer in response to a payment settlement (or financial transaction) and mileage point information to be provided to the customer at each affiliated store; At the time of payment settlement (or financial transaction) using the IC card at one of a plurality of affiliated payment merchants (or financial transactions), Information receiving means for receiving the existing IC card information and merchant information, and confirming the integrated mileage identifier associated with the IC card information in association with the storage medium (or storage medium operating means), and when the integrated mileage identifier is confirmed, In connection with the database (1), check whether the merchant targeted for payment (or financial transaction) corresponding to the merchant information is a mileage provision target merchant, and the mileage point provided to the customer by the merchant at the mileage provision target merchant. And mileage processing means for checking the information and processing the confirmed mileage points to be provided to the customer.

On the other hand, the information processing system according to the present invention, in response to the payment (or financial transactions) through a customer-owned IC card in a plurality of merchants to provide the customer the mileage points to be provided at each affiliated store on behalf of the merchant The IC card is stored in a database (1) which stores a plurality of affiliated store information set to be linked with mileage point information to be provided to the customer at each affiliated store, and a merchant that is subject to payment (or financial transaction) of one of a plurality of affiliated stores. In the payment settlement (or financial transaction) using the IC card information-IC chip serial number, key value (or hash code) provided on the IC chip, payment means (or financial means) identifier provided on the IC chip-and merchant Information receiving means for receiving information, and reading the IC card information to the customer on behalf of the affiliated store for payment (or financial transaction). Check whether the mileage is provided, and when confirming the mileage provision, in connection with the database (1) to confirm whether the merchant payment target (or financial transaction) target merchant corresponding to the merchant information is the mileage provision target merchant, the mileage provision target merchant At the time of confirmation, the member stores the mileage point information provided to the customer, characterized in that it comprises a mileage processing means for processing so that the confirmed mileage point is provided to the customer.

According to the present invention, the information processing system includes a plurality of affiliated store information set to integrate and provide mileage points to the customer in response to payment (or financial transaction) through the IC card, and mileage corresponding to the plurality of affiliated stores. A database 2 for storing group index information in association with each other, a coupon providing target merchant information set to provide a coupon to the customer among a plurality of affiliate stores belonging to the mileage group index, and the coupon providing target merchant to be provided to the customer. Check the mileage group index information corresponding to the mileage group belonging to the database (3) for storing coupon information in association with the database (2), the merchant affiliated with the payment (or financial transaction), and the mileage group index When the information is confirmed, it belongs to the mileage group index Merchant check means for confirming the coupon providing target merchant information to provide a coupon to the customer among the merchants, Coupon extraction means for extracting the coupon information to be provided to the customer in the coupon providing target merchant in connection with the database (3) and And a coupon transmitting means for checking the communication means of the customer and transmitting the coupon information to the customer communication means.

According to the present invention, the affiliated store is provided with a payment merchant that handles payment through a payment means-a credit card, a check card, or a debit card, or a prepaid card-provided in the IC card, or the IC card. It characterized in that it comprises at least one financial automated device (or financial automated device operating point) for processing financial transactions through the financial means-cash card, or electronic bank account.

On the other hand, the information processing method according to the present invention includes a customer-owned IC card information-IC chip serial number, key value (or hash code) provided on the IC chip, payment means (or financial means) identifier provided on the IC chip; And storing a plurality of affiliated stores in association with the integrated mileage identifiers for identifying and identifying that the affiliated stores provide mileages provided to the customers in response to payment through the IC card (or financial transaction). Receiving the IC card information and the merchant information at the time of payment settlement (or financial transaction) using the IC card at any one of the payment settlement (or financial transaction) target merchant, and the storage medium (or storage medium operating means) Check the integrated mileage identifier associated with the IC card information, and when confirming the integrated mileage identifier, payment through the IC card (or financial transaction) Corresponding to the affiliated store information in association with a plurality of affiliated store information set to integrate and provide mileage points to the customer, and a database 1 for storing and storing mileage point information to be provided to the customer at each affiliated store. Check whether the merchant targeted for payment (or financial transaction) is a mileage-provided merchant, and when confirming the mileage-provided merchant, the mileage point information provided to the customer by the merchant, and the confirmed mileage point is provided to the customer. And processing to be provided.

On the other hand, the information processing method according to the present invention, at the time of payment settlement (or financial transactions) using the IC card at any one of a plurality of merchants subject to payment (or financial transactions), the IC card information-IC chip series An information receiving means for receiving a number, a key value (or hash code) provided on the IC chip, a payment means (or financial means) identifier provided on the IC chip, and merchant information, and reading the IC card information to read the payment. (Or financial transaction) confirms whether or not to provide mileage to the customer on behalf of the target merchant, and when confirming the mileage provision, each of the plurality of merchants to the customer in response to payment settlement (or financial transaction) through the customer-owned IC card A plurality of merchant information set to integrate and provide mileage points to be provided by the merchant on behalf of the merchant, and the miles to provide to the customer at each merchant In connection with the database (1) that stores the point information in association, and confirms that the merchant payment target (or financial transaction) target merchant corresponding to the merchant information is a mileage provision target merchant, when checking the mileage provision target merchant, the merchant And confirming the mileage point information provided to the customer and processing the confirmed mileage point to be provided to the customer.

On the other hand, the present invention includes a computer-readable recording medium characterized by recording a program for executing the above-described information processing method.

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 an integrated mileage management system according to an embodiment of the present invention.

More specifically, Figure 1 illustrates an implementation method for an integrated mileage management system configuration using a financial IC card issued by a predetermined financial institution as an integrated mileage card corresponding to at least two affiliated stores. Those skilled in the art will be able to infer various integrated mileage management systems without departing from the essential technical features of the present invention by referring to and / or modifying the drawing x, but the present invention is inferred from the above. It includes all the implementation methods, and is not limited to the implementation method shown in FIG.

Referring to FIG. 1 according to an embodiment of the present invention, the integrated mileage management system includes a financial IC card issued to a customer from a predetermined financial institution, and a financial transaction (or electronic payment) and / or through the financial IC card. A merchant terminal providing an integrated mileage service, an IC card-based payment system and / or an IC card financial system connected to the merchant terminal through a predetermined communication network, and the IC card-based payment system and / or an IC card financial system The integrated mileage server 140 is connected through a communication means of and characterized in that it comprises a relational database management system (RDBMS) for managing at least one database for the integrated mileage management.

Here, the IC card-based payment system includes at least one payment server 100 for processing electronic payment through the financial IC card and at least one or more information necessary for the payment server 100 to perform the electronic payment processing. Characterized in that it comprises a predetermined DBMS having the above database, the integrated mileage server 140 is included in the IC card-based payment system, and / or the integrated mileage server 140 according to the intention of those skilled in the art It is possible that the functional configuration unit constituting the) is provided in the payment server 100, in which case the RDBMS having at least one database for the integrated mileage operation may be provided in the DBMS of the IC card-based payment system. The present invention is not limited thereto.

The IC card-based financial system may further include a financial server for processing a financial transaction (or electronic payment) through the financial IC card and at least one or more information required for the financial server to perform the financial transaction (or electronic payment) processing. And a predetermined DBMS having at least one database for storing. The integrated mileage server 140 is included in the IC card-based financial system, and / or the integrated mileage according to the intention of a person skilled in the art. The functional component constituting the server 140 may be provided in the financial server. In this case, the RDBMS having at least one database for the integrated mileage operation may be provided in the DBMS of the IC card-based financial system. The present invention is not limited thereto.

The financial IC card is characterized in that it conforms to at least one IC card standard of a contact IC card according to the ISO / IEC 7816 standard, and / or a contactless IC card according to the ISO / IEC 14443 standard, and / or EMV (Europay It is characterized in that it conforms to the financial IC card standard and / or financial IC card standard including the Master, VISA) standard.

According to one embodiment of the present invention, the financial IC card is a cash card and / or debit card and / or credit card and / or check card and / or electronic bankbook and / or comply with the EMV standard and / or financial IC card standard. Alternatively, the financial means (or payment means) including at least one or more electronic money, etc. may include an IC chip-based financial IC card provided in the IC card in the form of a card application. It will be described in detail through.

According to another exemplary embodiment of the present invention, the financial IC card may be a cash card and / or a debit card and / or a credit card and / or a check card and / or an electronic bankbook and / or an electronic money, etc. according to the financial IC card standard. A financial means (or payment means) including at least one or more is provided in the DBMS on the IC card-based payment system and / or IC card-based financial system, the IC card is a financial means (or payment means) provided in the DBMS It is preferred to include a ledger-based financial IC card having a predetermined financial means (or payment means) identifier associated with it, the preferred embodiment of which will be described in detail with reference to FIGS. 3A and / or 3B.

According to an embodiment of the present invention, the financial IC card is preferably provided with an IC card type mileage card function having a mileage application available to the customer at least one or more merchants, the preferred embodiment thereof is a drawing It will be described in detail through w.

According to another embodiment of the present invention, the customer is provided with mileage information available to at least one or more merchants on a server on the network (eg, RDBMS associated with the integrated mileage server 140), the financial IC card It is preferable to have a server-type mileage card function associated with the mileage information on the network, for this purpose, it is preferable that the financial IC card is provided with a predetermined integrated mileage identifier, a preferred embodiment thereof is shown in Figure x It will be described in detail through.

The merchant terminal may include a payment terminal (eg, a credit authorization terminal (CAT), a debit card terminal) provided in an affiliated store belonging to at least one integrated mileage group operated by the integrated mileage server 140 and / or the At least one financial terminal (for example, Automatic Teller Machine (ATM), Cash Dispenser (CD)) associated with a financial institution is characterized in that it comprises at least one.

According to an embodiment of the present invention, the electronic device is provided through a payment terminal provided at a predetermined affiliated store belonging to the integrated mileage group based on at least one financial means (or payment means) corresponding to the financial IC card. During payment processing, the merchant terminal processes to provide electronic payment through the financial means (or payment means) and the integrated mileage service according to the present invention.

According to another exemplary embodiment of the present invention, when the customer processes a financial transaction through a predetermined financial terminal belonging to the integrated mileage group based on at least one financial means (or payment means) corresponding to the financial IC card, The merchant terminal processes to provide a financial transaction through the financial means (or payment means) and the integrated mileage service according to the present invention.

The IC card-based payment system includes at least one payment server 100 that communicates with the affiliated store terminal through a predetermined communication network and at least one information necessary for the payment server 100 to perform the electronic payment process. It is characterized in that it comprises a predetermined DBMS having the above database.

According to an embodiment of the present invention, if the financial means (or payment means) corresponding to the financial IC card includes a credit card payment means, and the electronic payment processing is requested through the credit card payment means through the merchant terminal. The payment server 100 includes the credit card payment server 100, wherein the DBMS includes predetermined credit information (eg, credit limit information according to the customer's credit rating) for the credit card payment processing. And / or credit service limit information, etc.).

According to another embodiment of the present invention, the financial means (or payment means) corresponding to the financial IC card includes a debit card payment means and / or a check card payment means, and the debit card payment means and the through the merchant terminal; / Or when the electronic payment processing is requested through the check card payment means, the payment server 100 comprises the debit card payment server 100 and / or check card payment server 100, wherein the The DBMS preferably includes a ledger D / B (not shown) on the financial system in which the financial account associated with the debit card and / or the check card is opened.

For the integrated mileage operation according to the embodiment of the present invention, the payment server 100 is the predetermined credit card information corresponding to the financial IC card (and / or financial means (or payment means) corresponding to the financial IC card) and the It is characterized in that it is linked with a DBMS having a mileage operation D / B for linking and storing a predetermined integrated mileage identifier to confirm whether the financial IC card customer is an integrated mileage customer according to the present invention.

Referring to FIG. 1, the payment server 100 receives a predetermined IC card-based payment approval request message from the affiliated terminal and performs an electronic payment procedure corresponding to the payment approval request message. And an information checking unit 110 for checking whether the financial IC card customer is an integrated mileage customer according to the present invention by querying the mileage operation D / B provided in the DBMS based on the card information included in the payment approval request text. And when the financial IC card customer is the integrated mileage customer, the integrated mileage server through predetermined communication means using predetermined customer information (or card information) and the affiliated store information for the financial IC card customer. It is characterized in that it comprises a information providing unit 115 provided to 140.

According to another embodiment of the present invention, when the integrated mileage server 140 is provided on the IC card-based payment system, the information providing unit 115 may integrate the mileage server 140 on the IC card-based payment system. A function component configured to provide predetermined customer information (or card information) and the affiliated store information for the financial IC card customer, and / or configure the integrated mileage server 140. When provided in the), the information providing unit 115 may be replaced by a functional unit constituting the integrated mileage server 140, whereby the present invention is not limited.

In addition, when the financial IC card has a server type mileage card function, the information providing unit 115 is predetermined to the integrated mileage server 140 to accumulate a predetermined mileage corresponding to the electronic payment processing for the affiliated store. Mileage accumulation information (for example, merchant information for acquiring a predetermined mileage point to the customer, mileage point information to be accumulated for the customer (or amount information for calculating a predetermined mileage point in the integrated mileage server 140). It is possible to further provide)), whereby the present invention is not limited.

The payment processing unit 105 receives a predetermined IC card-based payment approval request text from the merchant terminal, and reads the payment approval request text to perform a predetermined electronic payment procedure corresponding to the payment approval request text. It is done.

According to an embodiment of the present invention, when the payment approval request is a credit card payment approval request, the payment processing unit 105 preferably performs a credit card payment approval procedure corresponding to the credit card payment approval request. .

According to another embodiment of the present invention, if the payment approval request is a debit card and / or check card payment approval request, the payment processing unit 105 may correspond to the debit card and / or check card payment approval request. It is desirable to perform a debit card and / or check card payment authorization procedure.

Those skilled in the art to which the present invention pertains, the credit card payment approval procedure corresponding to the full credit card payment approval request (for example, refer to the credit information D / B to check the limit amount of the customer Approving a credit card payment), and / or a debit card and / or check card payment authorization procedure corresponding to the full debit card and / or check card payment authorization request (e.g., associated with the debit card and / or check card). And the procedure for approving the payment of the debit card and / or the check card by inquiring the financial account balance associated with the debit card and / or the check card in connection with the established financial system. Omit.

When the electronic payment processing corresponding to the full payment approval request is approved through the payment processing unit 105, the information checking unit 110 refers to the financial IC card by referring to the mileage operation D / B provided on the DBMS. It is characterized by checking whether the customer is an integrated mileage customer according to the present invention.

On the mileage operation D / B, the card information of the integrated mileage customer according to the present invention and a predetermined integrated mileage identifier for confirming that the customer is an integrated mileage customer according to the present invention are stored in association with each other. ) Extracts predetermined card information from the full payment approval request text and inquires the mileage operation D / B through the extracted card information, thereby confirming whether the financial IC card customer is an integrated mileage customer according to the present invention. desirable.

According to another exemplary embodiment of the present invention, the mileage management D / B may store predetermined customer information corresponding to the integrated mileage customer instead of the card information. In this case, the information checking unit 110 may Extract customer information corresponding to the payment approval request message (e.g., extract predetermined card information from the payment approval request message), and extract customer information corresponding to the card information from predetermined member information D / B (not shown). Extraction), and by querying the mileage management D / B through the extracted customer information, it is possible to determine whether the financial IC card customer is an integrated mileage customer according to the present invention.

When the financial IC card customer is confirmed as an integrated mileage customer according to the present invention, the information providing unit 115 determines predetermined customer information (or information) about the predetermined financial IC card customer. Card information) and the affiliated store information to the integrated mileage server 140 through a predetermined communication means.

According to another exemplary embodiment of the present invention, when the financial IC card has a server type mileage card function, the information providing unit 115 may accumulate mileage corresponding to the integrated mileage service and the electronic payment process according to the present invention. Predetermined mileage accumulation information (for example, merchant information for acquiring a predetermined mileage point to the customer, and mileage point information to be credited to the customer (or an amount for calculating a predetermined mileage point in the integrated mileage server 140). Information)), which may be provided to the integrated mileage server 140.

The IC card-based banking system includes a banking server connected to the merchant terminal through a predetermined communication network and at least one database storing at least one or more information required for the banking server to perform the banking transaction. Characterized in that it comprises a DBMS.

According to an exemplary embodiment of the present invention, when the financial means (or payment means) corresponding to the financial IC card includes an electronic bank account financial means, and the financial transaction processing is requested through the electronic bank account financial means through the affiliated store terminal. The banking server may include a ledger server of a financial system in which a financial account corresponding to the electronic bank account is opened. In this case, the DBMS may include a ledger D / B provided on the financial system. .

According to another exemplary embodiment of the present invention, the financial means (or payment means) corresponding to the financial IC card includes a cash card financial means and / or a debit card financial means, and the cash card financial means and the through the merchant terminal. And / or when a financial transaction processing is requested through a debit card financial means, the financial server includes a ledger server of a financial system in which a financial account associated with a cash card and / or a debit card is opened, wherein the DBMS It is preferable that the ledger provided on the financial system comprises a D / B.

For the integrated mileage operation according to the embodiment of the present invention, the financial server may include predetermined ledger information corresponding to the financial IC card (and / or financial means (or payment means) corresponding to the financial IC card) and the financial IC card. It is characterized in that the customer is linked to a predetermined integrated mileage identifier for identifying whether the customer is an integrated mileage customer according to the present invention by linking and stored on the predetermined ledger D / B.

Referring to FIG. 1, the financial server receives a predetermined IC card-based financial transaction request telegram from the affiliated terminal, and performs a financial transaction procedure corresponding to the financial transaction request telegram, and the financial transaction request. Information checking unit 110 to determine whether the financial IC card customer is an integrated mileage customer according to the present invention by querying the ledger D / B provided in the DBMS based on the card information (eg, financial means information) included in the full text And when the financial IC card customer is the integrated mileage customer, the integrated mileage server through predetermined communication means using predetermined customer information (or card information) and the affiliated store information for the financial IC card customer. It is characterized in that it comprises a information providing unit 115 provided to 140.

According to another embodiment of the present invention, when the integrated mileage server 140 is provided on the IC card-based financial system, the information providing unit 115 may integrate the mileage server 140 on the IC card-based financial system. A function component configured to provide predetermined customer information (or the card information) and the affiliated store information for the financial IC card customer, and / or configure the integrated mileage server 140. When provided within, the information providing unit 115 may be replaced by a functional unit constituting the integrated mileage server 140, whereby the present invention is not limited.

In addition, when the financial IC card has a server-type mileage card function, the information providing unit 115 is predetermined to the integrated mileage server 140 to accumulate a predetermined mileage corresponding to the financial transaction processing for the merchant. Mileage accumulation information (eg, merchant information for acquiring a predetermined mileage point to the customer, mileage point information to be accumulated for the customer (or amount information for calculating a predetermined mileage point in the integrated mileage server 140) It is possible to further provide), whereby the present invention is not limited.

The financial transaction unit may receive a predetermined IC card-based financial transaction request telegram from the affiliated terminal and read the financial transaction request telegram to perform a predetermined financial transaction procedure corresponding to the financial transaction request telegram.

Those skilled in the art to which the present invention pertains, because they will be familiar with each financial transaction procedure corresponding to the full financial transaction request, detailed description thereof will be omitted for convenience.

When a financial transaction corresponding to the full text of the financial transaction request is processed through the financial transaction unit, the information verification unit 110 refers to the ledger D / B provided on the DBMS, and the financial IC card customer according to the present invention. It is characterized by checking whether the customer is an integrated mileage customer.

On the ledger D / B, the ledger information of the integrated mileage customer according to the present invention and a predetermined integrated mileage identifier for confirming that the customer is an integrated mileage customer according to the present invention are stored in association with each other. Extracts predetermined card information (financial means information) from the full text of the financial transaction request, and inquires the ledger D / B through the extracted card information (financial means information), thereby allowing the financial IC card customer to It is a good idea to verify that you are a consolidated mileage customer.

When the financial IC card customer is confirmed as an integrated mileage customer according to the present invention, the information providing unit 115 determines predetermined customer information (or information) about the predetermined financial IC card customer. Card information) and the affiliated store information to the integrated mileage server 140 through a predetermined communication means.

According to another exemplary embodiment of the present invention, when the financial IC card has a server type mileage card function, the information providing unit 115 accumulates mileage corresponding to the integrated mileage service and the financial transaction processing according to the present invention. Predetermined mileage accumulation information (for example, merchant information for acquiring a predetermined mileage point to the customer, and mileage point information to be credited to the customer (or an amount for calculating a predetermined mileage point in the integrated mileage server 140). Information)), which may be provided to the integrated mileage server 140.

The integrated mileage server 140 stores the customer mileage point corresponding to the amount of the financial transaction (or electronic payment) and the affiliated store information when the customer makes a financial transaction (or electronic payment) at a predetermined affiliate store. Mileage information D / B 170, and / or integrated mileage D for storing and processing mileage group index information corresponding to the mileage group to which the affiliate belongs to predetermined merchant information for providing a predetermined mileage service to the customer. Mileage group D / B 180 for classifying and storing at least one or more affiliate store information (and / or predetermined coupon information to be provided to a customer at the affiliate store) according to a predetermined mileage group index. It is characterized in that it is associated with the RDBMS to link the relational.

The mileage information D / B 170 is a storage medium for managing the customer mileage on the network, if the financial IC card is equipped with a server type mileage card function, merchants that have earned at least one mileage point to the customer After the information and the customer mileage point information accumulated in the affiliated customer to the customer processing, characterized in that the merchant information and the customer mileage point is stored in association with the customer information (or card information).

According to another exemplary embodiment of the present invention, when the IC card type mileage card function is provided in the financial IC card, the mileage information D / B 170 may be omitted, and the present invention is not limited thereto.

The integrated mileage D / B 175 is a storage medium for providing an integrated mileage service to the customer when the customer is an integrated mileage customer, and is defined to provide the integrated mileage service according to the present invention to the customer (eg, At least one affiliated store information that has issued a mileage card including the integrated mileage service to the customer, and mileage group index information corresponding to at least one mileage group to which the affiliated store belongs; The mileage group index information may be stored in association with the customer information (or card information).

In this case, the customer information preferably comprises the customer-owned wireless terminal information, whereby the integrated mileage server 140 may provide predetermined coupon information to the customer wireless terminal.

According to another exemplary embodiment of the present invention, when all affiliates providing the integrated mileage service provide the integrated mileage service according to the present invention (for example, all the merchants providing the integrated mileage service to the customer, the integrated mileage service. In the case of providing an integrated mileage service according to the present invention without issuing a mileage card including a), the integrated mileage D / B 175 may be omitted, and the present invention is not limited thereto.

The mileage group D / B 180 is a storage medium for providing an integrated mileage service to the customer, and processes affiliated information belonging to at least one integrated mileage group and predetermined coupon information to be provided to the customer at the affiliated store. Afterwards, the affiliated store information and the coupon information are classified and stored for at least one mileage group index through predetermined mileage group index information.

Here, the mileage group index is index information for identifying at least one or more affiliate stores belonging to the same integrated mileage group, and merchants including the same mileage group index information are considered to belong to the same integrated mileage group.

According to an exemplary embodiment of the present invention, the integrated mileage group may be grouped into at least one affiliated mileage group located at a short distance (for example, within a straight line of 100m or within a 5-minute walk) into a predetermined integrated mileage group.

According to another exemplary embodiment of the present invention, the integrated mileage group preferably combines at least one or more affiliate stores that provide membership services to the customer (eg, the same customer as a membership member) into a predetermined integrated mileage group. .

According to another embodiment of the present invention, the integrated mileage group binds at least one affiliated store to a predetermined integrated mileage group to provide co-marketing (or co-promotion) to the store visitor and / or purchaser. It is preferable.

In addition, the coupon information preferably comprises a wireless coupon that can be provided to the customer-owned wireless terminal.

Referring to FIG. 1, the integrated mileage server 140 receives customer information (or card information) of the integrated mileage customer and the affiliated store information from at least one payment server 100 and / or a financial server through a predetermined communication means. At least one or more other members belonging to the mileage group to which the affiliate belongs by inquiring the integrated mileage D / B 175 through the received information receiver 145 and the received customer information (or card information) and the affiliated store information. An integrated mileage merchant verification unit 155 for confirming merchant information and a coupon extractor 160 for extracting at least one coupon information to be provided to the customer from the mileage group D / B 180 through the confirmed merchant information. And, the extracted coupon is characterized in that it comprises a coupon transmission unit 165 for transmitting to the customer wireless terminal.

According to an embodiment of the present invention, when the financial IC card has a server type mileage card function, the information receiving unit 145 further receives predetermined mileage accumulation information from the payment server 100 and / or the financial server. When the mileage accumulation information is received through the information receiving unit 145, the affiliated store information and the customer mileage point information included in the mileage accumulation information are linked to the mileage information D / B 170. Characterized in that it further comprises a mileage processing unit 150 for storing the cooperative process.

In addition, the mileage processing unit 150 provides all kinds of additional services using the customer mileage, such as using the customer mileage point and / or exchanging with other mileage points, in addition to accumulating the customer mileage point as described above. It is preferable to further comprise.

Those skilled in the art to which the present invention pertains, since the mileage processing unit 150 will be familiar with the technical features to accumulate, and / or use and / or exchange the customer mileage points, Detailed description is omitted for convenience.

The information receiving unit 145 may include at least one payment server 100 provided on the IC card-based payment system and / or at least one financial server provided on the IC card-based financial system through a predetermined communication means. And receiving the customer information (or card information) of the integrated mileage customer and the affiliated store information, and the received customer information (or card information) and the affiliated store information are provided to the integrated mileage affiliated store identification unit 155. .

The integrated mileage merchant confirmation unit 155 inquires the integrated mileage D / B 175 through the customer information (or card information) and the merchant information received through the information receiving unit 145, to the merchant information And identifying at least one other merchant information belonging to the mileage group to which the corresponding merchant belongs.

According to the implementation method of the present invention, the integrated mileage merchant verification unit 155 inquires the integrated mileage D / B 175 through the customer information (or card information), and the customer information (or card information) and Check at least one affiliated store information processed in association.

Thereafter, the integrated mileage merchant verification unit 155 checks the mileage group index information corresponding to the received merchant information among the merchant information associated with the confirmed customer information (or card information) through the received merchant information. do.

Thereafter, the integrated mileage merchant verification unit 155 queries the integrated mileage D / B 175 (and / or mileage group D / B 180) through the confirmed mileage group index information, thereby receiving the received mileage group index information. Identify at least one or more other merchant information belonging to a predetermined mileage group to which an affiliate belongs, and provide the identified at least one other merchant information to the coupon extractor 160.

The coupon extractor 160 extracts at least one coupon information to be provided to the customer by querying the mileage group D / B 180 based on the identified at least one other merchant information. The extracted coupon information is provided to the coupon transmitter 165.

According to one embodiment of the invention, the coupon information extracted by the coupon extraction unit 160 preferably comprises a wireless coupon structure that can be provided to the customer wireless terminal.

According to another exemplary embodiment of the present invention, the coupon information extracted by the coupon extractor 160 may include a coupon structure incompatible with the customer wireless terminal, in which case the coupon extractor 160 ) Preferably further comprises a function for converting the extracted coupon structure into a wireless coupon structure compatible with the wireless terminal.

The coupon transmitter 165 transmits the wireless coupon provided from the coupon extractor 160 to the customer wireless terminal through a predetermined wireless communication network, and the customer wireless terminal information is obtained from the customer information. (Or confirmed).

According to one embodiment of the invention, the customer wireless terminal preferably comprises at least one or more customer mobile phones operating based on the Code Division Multiple Access (CDMA) standard, in this case the wireless communication network is It is preferable to include a connected CDMA-based mobile communication network, wherein the wireless coupon comprises a wireless coupon structure that can be provided to the customer mobile phone through the mobile communication network.

According to another embodiment of the present invention, the customer wireless terminal preferably comprises at least one or more portable Internet terminal operating based on the IEEE 802.16x standard, in this case the wireless communication network is connected to the customer mobile phone It is preferable to include an IEEE 802.16x based portable Internet network, and the wireless coupon may include a wireless coupon structure that can be provided to the portable Internet terminal through the portable Internet network.

2 illustrates an IC chip-based financial IC card structure according to an embodiment of the present invention.

More specifically, Figure 2 is based on the IC chip provided on the predetermined IC card by producing financial means storage information including at least one or more cash card, credit card, electronic bank account, electronic money, etc. in the form of a card application As an implementation method for the financial IC card structure, the IC chip-based financial IC card structure preferably conforms to the financial IC card standard.

Referring to FIG. 2 according to the financial IC card structure according to the financial IC card standard, the financial means storage information is provided in a card application area provided in a memory unit on the IC chip, and the card application area is a root file. One Master File (MF) corresponding to a File, at least one Dedicated File (DF) classified according to smart card service and application, and data and / or information for the smart card service. It consists of an element file (EF) and the like is stored.

In general, the master file is a file having a root level authority among the dedicated files, and all files on the IC card file structure corresponding to the card application area can be accessed via the master file. A file including at least one or more information for providing a smart card service and information on an element file disposed below it, wherein the storage information for providing an independent smart card service on the IC card file structure is at least one. The element file is a file including at least one information and / or data for providing a smart card service, and the storage file for providing an independent smart card service on the IC card file structure. Contains at least one element file.

For example, in the IC card file structure as shown in Fig. 2, the master file exists at the top (= root) of all dedicated files and / or element files, and the card terminal device passes through a series of security modules and at least one or more dedicated files and / or To access the element file, it must pass through the master file.

Further, at least one dedicated file and an element file for providing at least one smart card service provided through a smart card are disposed below the master file, wherein at least one of the dedicated files includes directory information. After that, the remaining dedicated files and element files are arranged on the IC card file structure according to the type and feature of the smart card service provided by the smart card.

Therefore, a financial means (or payment) including at least one of a cash card and / or debit card and / or credit card and / or check card and / or electronic account and / or electronic money issued to a customer by a predetermined financial institution Means for storing the financial instrument) consists of a functional group such as at least one dedicated file and / or at least one element file disposed below it. For example, when a smart card service provider is granted access rights to the smart card from a card issuing authority, it means that the smart card service provider is authorized to access at least one dedicated file, an element file, and the like on the smart file structure.

According to an embodiment of the present invention, an IC card file structure includes at least one dedicated file (e.g., credit, debit, financial common network, electronic money, signature certificate, key distribution certificate, etc.) for each smart card service, and the like. At least one element file or the like disposed below is already stored in each smart card service storage information in a functional group.

Those skilled in the art will be familiar with the process of issuing the IC chip-based financial IC card shown in FIG. 2 to the customer, and a detailed description thereof will be omitted.

In addition, those skilled in the art to which the present invention belongs, the IC chip-based financial IC card shown in Figure 2 has an IC card type mileage card function (for example, predetermined mileage storage information card application It will be familiar with the technical features (produced and mounted in the form), so a detailed description thereof will be omitted for convenience.

3A and 3B illustrate a structure of a ledger-based financial IC card according to another embodiment of the present invention.

More specifically, FIGS. 3A and 3B are provided with at least one financial means (or payment means) information corresponding to the financial IC card in a predetermined ledger D / B, and / or the financial IC card is assigned to the ledger D / B. If a predetermined financial means (or payment means) identifier for identifying a ledger-based financial IC card operating based on the financial means (or payment means) information provided in B is provided, the financial means (or payment means) It illustrates a method of implementing a ledger-based financial IC card linked to at least one or more financial means (or payment means) information provided in the ledger D / B through the identifier, and the general knowledge in the technical field to which the present invention belongs If you have, it will be able to infer various payment means storage information for ledger-based financial IC card according to the present invention by referring to and / or modifying the drawings 3a and 3b, It said method includes all embodiments in which the inference, shall not be limited to the exemplary method shown in the figure 3a and figure 3b.

For example, one of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawings 3a and 3b to provide a database other than the ledger D / B (eg, an IC card based payment system). It will be possible to infer an implementation method provided with the financial means (or payment means) identifier in a database included in a DBMS, and the present invention includes all the inferred embodiments.

Here, the payment means storage information is at least one of cash card storage information and / or debit card storage information and / or credit card storage information and / or check card storage information and / or electronic bank account storage information and / or electronic money storage information It is preferable to include the above, and may be predetermined ledger-based card storage information for confirming that the financial IC card is the ledger-based financial IC card according to the present invention, and the present invention is not limited thereto. .

According to another exemplary embodiment of the present invention, the payment means storage information stored in the IC card for the ledger-based financial IC card according to the present invention may be conventional payment means storage information as shown in FIG.

That is, an IC chip-based financial IC card previously issued to the customer according to a conventional IC chip-based financial IC card issuing procedure is also provided in the account ledger as shown in FIGS. 4A and / or 4B and / or 4C. By including a financial means (or payment means) identifier and / or associated processing, it can be used as a ledger-based financial IC card according to the present invention irrespective of payment means storage information stored in the IC chip.

According to another exemplary embodiment of the present invention, the conventional payment means storage information shown in FIG. 2 is stored in the IC card for the ledger-based financial IC card according to the present invention, as shown in FIGS. 3A and / or 3B. The payment means storage information may be omitted.

That is, even if the IC card is not provided with the payment means storage information, as shown in Figures 4a and / or 4b and / or 4c includes a predetermined financial means (or payment means) identifier in the account ledger, And / or by linkage processing, it can be used as a ledger-based financial IC card according to the present invention irrespective of payment means storage information stored in the IC chip.

According to the present invention, the payment means storage information shown in Figures 3a and 3b is provided in a predetermined IC card terminal to provide a means for confirming that the IC card is associated with the ledger-based financial IC card according to the present invention. It is characterized in that, it may be omitted according to the intention of those skilled in the art, it is not limited thereto.

3A and 3B, an IC card for a ledger-based financial IC card according to the present invention includes a power supply (VCC), a reset signal (RST), a clock signal (CLK), a ground (GND), a programming power supply ( Input / output interfaces (e.g., command or data exchange, etc.), IC (Central Process Unit), MPU (Micro Process Unit), And / or a processor unit including at least one computing element including a coprocessor, a read only memory (ROM), a random access memory (RAM), an electrically erasable and programmable read only memory (EEPROM), and an FM ( And an IC chip including a memory unit including at least one memory device including a flash memory, etc., wherein an input / output interface of the IC chip includes a chip on board (COB) having a contact point corresponding to the contact point one-to-one; Electrically Leads to.

According to an embodiment of the present invention, at least one memory element (eg, a ROM) of the memory elements constituting the memory unit may store a Chip Operating System (COS) that manages and operates an IC card internal resource. When a predetermined power is supplied from an IC card reader through a power supply (VCC) contact point of the input / output interface, the COS stored in the memory unit is loaded into a predetermined execution memory to control the overall operation of the IC chip, and the clock Controlling information or data exchange between the IC chip and the IC card reader through an APDU (Application Protocol Data Unit) based on the clock frequency (eg, 3.57 MHz or 4.9 MHz) of the signal CLK contact point.

In addition, the memory unit of the IC chip includes a security structure based on ISO / IEC 10202. According to this, the memory unit includes a protection area for storing secret information such as a chip serial number (CSN), a COS control area, and a user. It consists of an application area, a read / write access area, an application program area, and a FAT (File Allocation Table) management area. The payment means storage information for the present invention is stored in an area except the protection area and the COS control area. desirable.

In addition, according to the ISO / IEC 7816 and / or ISO / IEC 14443 ICC standard, the memory unit includes one master file (MF) corresponding to a root file, and at least one lower part of the master file. ATR (Answer To Reset) including function information about stored information, at least one dedicated file (DF) corresponding to each ICC stored information, and a smart card service disposed under the dedicated file. It includes a file structure consisting of an element file (EF) containing the actual information and / or data for, the payment means storage information for the present invention also comprises the file structure as described above.

Referring to FIG. 3A, the payment means storage information includes an information file for storing a predetermined serial number, and the serial number of the payment means storage information is used as ledger-based financial IC card identification information according to the present invention. It is preferable.

According to another embodiment of the present invention, the payment means storage information may be provided with the CIF number of the ledger corresponding to the financial IC card in addition to the IC card serial number, in which case the CIF number is ledger-based financial according to the present invention It can be used as the IC card confirmation information, in addition to the intention of the skilled person various unique information is provided in the payment means storage information, may be used as the ledger-based financial IC card identification information according to the present invention, thereby This is not limited.

In FIG. 3A, the chip serial number of the financial IC card and / or at least one key value (or hash code) included in the IC card are unique to the IC card for providing the ledger-based financial IC card service according to the present invention. Ledger-based financial IC card service according to the present invention, if the information is used, or if the financial IC card is provided with a predetermined certificate, the certificate number, and / or public key copy information included in the certificate The card information (e.g., credit) is used as IC card unique information for providing a card or when a predetermined card (e.g., credit card, check card, debit card, cash card, etc.) is provided in the financial IC card. Card information, check card information, debit card information, cash card information, etc.) is used as IC card specific information for providing the ledger-based financial IC card service according to the present invention, or the I When the biometric information of the customer is provided in the C card, the biometric information of the customer may be used as IC card unique information for providing the ledger-based financial IC card service according to the present invention, thereby limiting the present invention. Not.

Referring to FIG. 3B, the financial IC card has only a storage area in which predetermined payment means storage information can be stored, and null data is stored in the storage area (eg, in the storage means storage information). Only the corresponding dedicated file exists, and the element file is not stored). In this case, the IC card terminal determines whether the IC is based on the existence of a storage area in which the payment means storage information can be stored in the IC card. It is possible to confirm whether the card is a ledger-based financial IC card according to the present invention.

In FIG. 3B, the chip serial number of the financial IC card and / or at least one key value (or hash code) included in the IC card are unique to the IC card for providing the ledger-based financial IC card service according to the present invention. When used as information, or when a predetermined IC card is provided in the financial IC card, the public certificate copy number of the ledger-based financial IC card according to the present invention includes the public certificate copy information included in the official certificate number and / or the public certificate. The card information (e.g., credit) is used as IC card specific information for providing a service, or when a predetermined card (e.g., credit card, check card, debit card, cash card, etc.) is provided in the financial IC card. Card information, check card information, debit card information, cash card information, etc.) is used as IC card specific information for providing the ledger-based financial IC card service according to the present invention, or the I When the biometric information of the customer is provided in the C card, the biometric information of the customer may be used as IC card unique information for providing the ledger-based financial IC card service according to the present invention, thereby limiting the present invention. Not.

According to another embodiment of the present invention, the payment means storage information itself may be omitted in the IC card (not shown), thereby the present invention is not limited.

When the payment means storage information itself is omitted in the IC card as described above, the chip serial number of the IC card, and / or at least one key value (or hash code) included in the IC card are ledger-based finance according to the present invention. It is used as IC card unique information for providing an IC card service, or when a predetermined official certificate is provided in the IC card, the public certificate copy number and / or public key copy information included in the public certificate is displayed. When used as IC card specific information for providing a ledger-based financial IC card service according to the invention, or when a predetermined card (eg, credit card, check card, debit card, cash card, etc.) is provided in the IC card, The IC information for providing the ledger-based financial IC card service according to the present invention is the card information (eg, credit card information, check card information, debit card information, cash card information, etc.). When the biometric information of the customer is used as the unique information or the IC card, the biometric information of the customer may be used as the IC card unique information for providing the ledger-based financial IC card service according to the present invention. The present invention is not limited thereby.

4A, 4B, and 4C illustrate a ledger information structure including a financial means (or payment means) identifier (or a division value) according to one embodiment of the present invention.

4a, 4b, and 4c show a specific financial instrument (or payment instrument) identifier (or division value) in a predetermined ledger stored in the ledger D / B on the IC card-based financial system shown in FIG. Is an illustration of a ledger information structure in which the financial IC card operates as a ledger-based financial IC card shown in FIGS. 3A and / or 3B. Specifically, FIG. 4A shows an account ledger of the ledger D / B. The present invention relates to an implementation method including a predetermined financial means (or payment means) identifier (or a distinct value) for providing a ledger-based financial IC card service according to the present invention. FIG. 4B is an account ledger of the ledger D / B. In a predetermined bankbook management information associated with the banking method, including a predetermined financial means (or payment means) identifier (or a distinct value) for providing a ledger-based financial IC card service according to the present invention. 4c shows a financial IC including a predetermined financial instrument (or payment means) identifier (or a distinct value) for providing a ledger-based financial IC card service according to the present invention to the account ledger of the ledger D / B. An implementation method of linking card identification information.

4A, 4B, and 4C, the ledger information includes a predetermined customer ledger, a reception ledger associated with the customer ledger (hereinafter referred to as an “account ledger”), and at least one associated with the account ledger. It includes information, if the person of ordinary skill in the technical field to which the present invention belongs, the ledger D / B provided in the DBMS on the financial system includes at least one ledger (for example, loan ledger, And / or at least one additional information for maintaining and managing the ledgers will also be clearly understood, and the specific technical details thereof will be understood. Description is omitted for convenience.

In addition, those of ordinary skill in the art to which the present invention pertains may refer to and / or modify the present drawings 4a, 4b and 4c without departing from the essential technical matters of the present invention. Various implementation methods for providing the ledger-based financial IC card service according to the present invention may be inferred, but the present invention includes all the implementation methods inferred, and is limited to the implementation methods shown in FIGS. 4A, 4B, and 4C. Not.

Hereinafter, in the illustrated embodiment, the financial means (or payment means) identifier (or division value) is referred to as a "financial means (or payment means) identifier" for convenience.

4A, 4B, and 4C, the customer ledger includes a customer information file (CIF) number, a country code, a contact ID, a sales office number, a customer classification, a customer name, a customer address, a regional identification code, a telephone number, and a business place. No., Trade Name, Classification Code, Expiry Date, Status Main Information, Settlement Date, Cash Date, Last Name, Person, Social Security Number, Company Address, Company Phone Number, Mailing Place, Account Number, President, Business Type, Legal Representative, Initial Transaction Date, TRW , DB, usage, parent company number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the customer ledger, and thus the detailed description thereof will be omitted for convenience.

In addition, the account ledger is linked to the customer ledger relationally, account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance , Bank account number, interest interest, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, unpaid account transactions, interest rate account, flat currency connection, final payment interest, final payment transaction It includes at least one of a number, an individual interest rate reference, and a final interest calculation date, and includes at least one account number, abstention (month), period (days), period extension, maturity date, and target amount corresponding to the account ledger. Periodic reception information, and / or trust reception information including at least one or more of an account number, a deposit amount, a par value, a pension date, and the number of shares corresponding to the account ledger, and / or the account ledger. Transactions that include at least one account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch number, batch transaction, date of payment, bank account line, summary, CIF, etc. It includes the history information.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the account ledger and the additional information configuration, and thus the detailed description thereof will be omitted for convenience.

Referring to FIG. 4A, a predetermined financial means (e.g., an account ledger corresponding to a customer financial account opened to a customer) associated with the customer ledger for providing a ledger-based financial IC card service according to the present invention ( Or a payment means) identifier.

According to an embodiment of the present invention, the financial means (or payment means) identifier is a financial IC card issuance confirmation flag (for example, issuing to the customer) for identifying whether the ledger-based financial IC card according to the present invention has been issued to the customer. TRUE, if the financial IC card includes at least one financial means (or payment means) associated with the financial account corresponding to the ledger, TRUE.Financial means corresponding to the ledger on the financial IC card issued to the customer In the case where the figure does not include the payment means, FALSE) is preferably included. Thus, when a financial transaction (or electronic payment) through the ledger-based financial IC card according to the present invention is performed, When a full text including financial means (or payment means) information corresponding to the ledger is received, the financial IC card issuance confirmation flag is received. It can easily see that the President-based financial IC card according to the present invention is issued to the customer.

According to another exemplary embodiment of the present invention, the financial means (or payment means) identifier may include IC card specific information associated with the financial IC card, thereby making a ledger-based financial IC card according to the present invention. In the case of a financial transaction (or electronic payment) through, when a full-text message including the IC card unique information is received from a predetermined IC card terminal, the IC card issued to the customer based on the IC card unique information is the ledger according to the present invention. It can be easily confirmed that it is linked with the underlying financial IC card.

Here, the IC card unique information may be made by including the chip serial number of the financial IC card, or may include at least one key value (or hash code) included in the financial IC card. The invention is not limited.

If a predetermined official certificate is provided in the financial IC card, the unique information of the IC card may include the public certificate number and / or public key copy information included in the public certificate. When a predetermined IC card (e.g., credit card, debit card, debit card, cash card, etc.) is provided in the financial IC card, the IC card unique information is the card information (e.g. credit card information, check card information, debit card). Information, cash card information, etc.), and when the IC card includes biometric information about the customer, the IC card unique information may include biometric information of the customer. The present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the IC card may be provided with predetermined financial IC card identification information for identifying that the ledger-based financial IC card according to the present invention is associated with the IC card. In this case, the financial means (or payment means) identifier may include the financial IC card identification information provided in the financial IC card.

For example, the financial IC card identification information may include a predetermined serial number (or ID number) uniquely assigned so as not to be duplicated, and the present invention is not limited thereto.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 4a to include the financial instrument (or payment instrument) identifier in another ledger including the customer ledger in addition to the account ledger. It will be possible to infer an implementation method, and the present invention includes all the inferred implementation methods.

Referring to Figure 4b, in order to provide a ledger-based financial IC card service according to the present invention to the predetermined account book management information linked to the account ledger (for example, the account ledger corresponding to the customer financial account opened to the customer) And a predetermined financial means (or payment means) identifier.

In FIG. 4B, the bank account management information basically includes at least one or more of an account number, a CIF number, a bank account number, an issue date, and a bank account balance, and a predetermined financial means (or payment method) identifier is included in the information structure. It is preferred to be provided.

According to another embodiment of the present invention, the predetermined account management information associated with the account ledger is the financial means (or payment means) identifier with the account number, CIF number, bank account number, issue date, and bank account balance omitted. It is possible to include only, and thereby the present invention is not limited.

According to an embodiment of the present invention, the financial means (or payment means) identifier is a financial IC card issuance confirmation flag (for example, issuing to the customer) for identifying whether the ledger-based financial IC card according to the present invention has been issued to the customer. TRUE, when the financial IC card includes at least one financial means (or payment means) corresponding to the ledger, TRUE.The financial means (or payment means) corresponding to the account ledger on the financial IC card issued to the customer Is not included, it is preferably made, including FALSE, thereby, during a financial transaction (or electronic payment) through the ledger-based financial IC card according to the present invention, corresponding to the account ledger from a predetermined IC card terminal When the full text including the financial instrument (or payment instrument) information is received, the financial IC card issuance confirmation flag is displayed to the corresponding customer. It is easy to check whether the ledger-based financial IC card according to the invention is issued.

According to another exemplary embodiment of the present invention, the financial means (or payment means) identifier may include the financial IC card unique information, whereby the financial transaction (or through the ledger-based financial IC card according to the present invention) In the case of electronic payment), when a full-text message including the IC card-specific information is received from a predetermined IC card terminal, the IC card issued to the customer based on the IC card-specific information is assigned to the ledger-based financial IC card according to the present invention. It can be easily confirmed that the connection.

Here, the IC card unique information may be made by including the chip serial number of the financial IC card, or may include at least one or more key values (or hash codes) included in the IC card. It is not limited.

If a predetermined official certificate is provided in the financial IC card, the unique information of the IC card may include the public certificate number and / or public key copy information included in the public certificate. When a predetermined IC card (e.g., credit card, debit card, debit card, cash card, etc.) is provided in the financial IC card, the IC card unique information is the card information (e.g. credit card information, check card information, debit card). Information, cash card information, etc.), and when the IC card includes biometric information about the customer, the IC card unique information may include biometric information of the customer. The present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the IC card may be provided with predetermined financial IC card identification information for identifying that the ledger-based financial IC card according to the present invention is associated with the IC card. In this case, the financial instrument (or payment) identifier may include the financial IC card identification information included in the financial IC card.

For example, the financial IC card identification information may include a predetermined serial number (or ID number) uniquely assigned so as not to be duplicated, and the present invention is not limited thereto.

Those skilled in the art to which the present invention pertains, cash card management information and / or debit card linked to the account ledger (or customer ledger) in addition to the bank account management information by referring to and / or modified in this figure 4b It is possible to infer an implementation method including the financial means (or payment means) identifier in management information and / or credit card management information and / or check card management information and / or electronic bank account management information and / or electronic money management information. The present invention comprises all the inferred method of implementation.

Referring to FIG. 4C, in order to provide a ledger-based financial IC card service according to the present invention, predetermined financial IC card identification information including a predetermined financial means (or payment means) identifier is opened to the account ledger (for example, a customer). And the ledger corresponding to the customer's financial account).

In FIG. 4C, the financial IC card identification information basically includes an account number, a CIF number, and a predetermined financial means (or payment means) identifier, and the account number and / or CIF number according to the intention of a person skilled in the art. May be omitted.

According to an embodiment of the present invention, the financial means (or payment means) identifier is a financial IC card issuance confirmation flag (for example, issuing to the customer) for identifying whether the ledger-based financial IC card according to the present invention has been issued to the customer. TRUE, when the financial IC card includes at least one financial means (or payment means) corresponding to the ledger, TRUE.The financial means (or payment means) corresponding to the account ledger on the financial IC card issued to the customer Is not included, it is preferably made, including FALSE, thereby, during a financial transaction (or electronic payment) through the ledger-based financial IC card according to the present invention, corresponding to the account ledger from a predetermined IC card terminal When a full text including financial instrument (or payment instrument) information is received, the financial IC card issuance confirmation flag is sent to the corresponding customer. The Ledger-based financial IC card according to the invention can easily check if they are issued.

According to another exemplary embodiment of the present invention, the financial means (or payment means) identifier may include the financial IC card unique information, whereby the financial transaction (or through the ledger-based financial IC card according to the present invention) In the case of electronic payment), when a full-text message including the IC card unique information is received from a predetermined IC card terminal, the IC card issued to the customer based on the IC card unique information is the ledger-based financial IC card according to the present invention. It can be easily confirmed that it is associated with.

Here, the IC card unique information may be made by including the chip serial number of the financial IC card, or may include at least one or more key values (or hash codes) included in the IC card. It is not limited.

If a predetermined official certificate is provided in the financial IC card, the unique information of the IC card may include the public certificate number and / or public key copy information included in the public certificate. When a predetermined IC card (e.g., credit card, debit card, debit card, cash card, etc.) is provided in the financial IC card, the IC card unique information is the card information (e.g. credit card information, check card information, debit card). Information, cash card information, etc.), and when the IC card includes biometric information about the customer, the IC card unique information may include biometric information of the customer. The present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the IC card may be provided with predetermined financial IC card identification information for identifying that the ledger-based financial IC card according to the present invention is associated with the IC card. In this case, the financial means (or payment means) identifier may include the financial IC card identification information provided in the financial IC card.

For example, the financial IC card identification information may include a predetermined serial number (or ID number) uniquely assigned so as not to be duplicated, and the present invention is not limited thereto.

5 is a diagram illustrating a system for issuing and registering information on a ledger-based financial IC card according to an embodiment of the present invention.

In more detail, Figure 5 shows the opening of a new financial account to a customer visiting each branch of a financial institution, and / or a cash and / or debit card and / or a credit card and / or a check card and / or associated with the financial account. In the case of issuing a financial means (or payment means) including at least one electronic account and / or electronic money, the ledger base constituting the ledger information as in any one or more of the drawings 4a and / or 4b and / or 4c. For the financial IC card issuance and information registration system, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to and / or modify this drawing to open a new financial account to a customer, and / or the financial account. Financial means comprising at least one cash card and / or debit card and / or credit card and / or check card and / or electronic bank account and / or electronic money associated with (and When issuing payment means), it is possible to infer various system configurations for issuing a ledger-based financial IC card according to the present invention and processing information registration thereof, but the present invention includes all the inferred implementation methods, It is not limited by the implementation method shown in FIG.

Hereinafter, a server (or device) for processing issuance and information registration of a ledger-based financial IC card according to the present invention in connection with the teller terminal on the financial system is referred to as an "information registration server 500" for convenience.

The issuer-based financial IC card issuance and information registration system is provided at each branch of the financial institution, and is connected to a teller terminal used by a teller at the branch through a predetermined financial network. It includes an information registration server 500 provided on the financial system, and the ledger D / B is stored in the ledger information corresponding to the financial account opened to the customer.

The teller terminal receives predetermined customer information, predetermined financial IC card issuing application information and / or financial means (or payment means) issuing application information from the customer for issuing the ledger-based financial IC card according to the present invention. And a function of transmitting customer information and financial IC card issuance application information and / or financial means (or payment means) issuance application information to the information registration server 500 through the financial network. Application information for issuing means (or payment means) includes information for selecting whether to issue a conventional IC chip-based financial IC card or to issue a ledger-based financial IC card according to the present invention.

Here, issuing a ledger-based financial IC card according to the present invention includes connecting or including a predetermined financial means (or payment means) identifier to a predetermined ledger (or additional information associated with the ledger) corresponding to the financial account. When the IC card processed as a financial IC card corresponding to the account is issued at a predetermined IC card terminal and its validity is verified, a financial means (or payment means) identifier is linked or included on the financial system. By transferring the corresponding financial means (or payment means) information from the ledger to the IC card terminal, it is processed as if the financial means (or payment means) information was read from the financial IC card.

According to one embodiment of the invention, the customer is a predetermined financial IC card issuance and / or financial means (or payment means) issuance application (for example, customer information items and financial IC card issuance application information items and financial means (or payment) Means) issuing the application form for the issue application information item) and submitting the application form for issuing the financial IC card and / or the means for issuing the financial instrument (or payment means) to the clerk. It is preferable to provide card issuing application information and financial means (or payment means) issuing application information to the counter terminal.

According to another embodiment of the present invention, the customer is a predetermined information input device associated with the teller terminal (for example, a predetermined screen output device, customer information input items and financial IC card issuance application information and financial means (or payment) Means) a terminal for outputting an information input interface screen including an issuing application information input item and providing the information input item corresponding to the information input interface to the window terminal for inputting predetermined information through a predetermined key input device; Through the customer information and the financial IC card issuing application information and financial means (or payment means) issuing application information can be input to provide to the window terminal, thereby the present invention is not limited.

Further, the teller terminal may be provided with an IC card reader for reading predetermined IC card specific information from the financial IC card and / or recording predetermined financial IC card identification information on the IC card according to another implementation method. It features.

According to the method of the present invention, the teller terminal reads predetermined IC card specific information from the financial IC card through the IC card reader, and the IC card unique information is used for the customer information and the financial IC card issuing application information and It is preferable to provide the information registration server 500 to the financial means (or payment means) issuance application information.

According to an embodiment of the present invention, the teller terminal receives predetermined financial IC card identification information from the information registration server 500, and stores IC card storage information of the IC card (for example, cash card storage) through the IC card reader. Information and / or debit card storage information and / or credit card storage information and / or check card storage information and / or electronic bank account storage information and / or electronic money storage information).

Referring to FIG. 5, the information registration server 500 connects and manages at least one window terminal with the application information for issuing the financial IC card and the communication channel for issuing the financial IC card through a predetermined financial network 505. And an information receiving unit 510 for receiving predetermined customer information, financial IC card issuing application information, and financial means (or payment means) issuing application information from the window terminal in association with the interface unit 505, and the customer. An information generator 520 for generating at least one ledger information corresponding to the financial account opened to the customer based on the information and the application information for issuing the financial IC card and the application for issuing the financial means (or payment means); And at least one ledger information stored in the ledger D / B.

According to an embodiment of the present invention, in order to issue a ledger-based financial IC card according to an embodiment of the present invention to a customer in which the new financial account is opened, the information registration server 500 performs the information receiving unit 510. An information checking unit 515 for checking whether to issue the financial means (or payment means) issuance application information received through the ledger-based financial IC card according to the present invention; When issuing an IC card, the information generating unit 520 preferably generates a financial means (or payment means) identifier to be processed in association with the ledger information, and / or the information receiving unit 510 is the teller terminal. It is preferable to receive a predetermined financial means (or payment means) identifier from the.

According to the implementation method of the present invention, when the issuance of the ledger-based financial IC card according to the present invention is requested corresponding to the financial account, the information storage unit 525 generates the information. (Or received) the financial means (or payment means) identifiers included in the ledger information, stored in the ledger D / B, and / or the generated (or received) financial means (or payment means) identifiers in the ledger It is characterized by storing in the ledger D / B by processing in conjunction with the information.

The interface unit 505 may include at least one or more window terminals provided at at least one or more branches operated by the financial institution through a predetermined financial network (for example, a branch network), predetermined financial IC card issuance application information, and the present invention. And a predetermined communication channel for issuing the ledger-based financial IC card, and maintaining and managing the communication channel.

The communication channel connected and managed by the interface unit 505 with at least one window terminal is a communication channel connected between a financial system provided in the financial institution and at least one window terminal through a dedicated communication network. According to the method, it is preferable to include a transaction protocol for transmitting and receiving at least one or more messages corresponding to at least one or more financial services defined between the teller terminal and the information registration server 500, the transaction protocol (And / or a specialized structure corresponding to a transaction protocol) may be defined and used in various ways according to the financial business type of each financial institution and the platform characteristics of the financial system, and the transaction protocol (and / or) adopted by the specific financial system. Specialized structure corresponding to transaction protocol) The present invention will not limited.

According to another embodiment of the present invention, a transaction protocol (and / or a specialized structure corresponding to a transaction protocol) corresponding to the communication channel may provide an encryption specialized transmission / reception function to provide a higher level of security. Thereby, this invention is not limited.

According to another exemplary embodiment of the present invention, the transaction protocol corresponding to the communication channel may be defined and used as a traffic data method consisting of binary data in addition to the full text, and the present invention is not limited thereto.

The information receiving unit 510 is connected with the interface unit 505 to receive predetermined customer information, financial IC card issuing application information and financial means (or payment means) issuing application information from the window terminal, The application for issuing the financial means (or payment means) preferably includes information for confirming whether the issuance of the ledger-based financial IC card according to the present invention is requested.

The information checking unit 515 checks whether to issue the ledger-based financial IC card according to the present invention by reading the application information for issuing the financial means (or payment means).

According to an exemplary embodiment of the present invention, when issuance of the ledger-based financial IC card according to the present invention is requested corresponding to the financial account, the information receiving unit 510 is the financial confirmation. And receiving the predetermined IC card specific information corresponding to the IC card, wherein the information storage unit 525 defines the received IC card unique information as the financial means (or payment means) identifier. It may be included in the ledger information and stored in the ledger D / B, and / or the received financial means (or payment means) identifier is processed in association with the ledger information and stored in the ledger D / B.

According to the method of the present invention, the IC card unique information is read out from the financial IC card issued to the customer through the IC card reader provided in the window terminal and the information receiving unit 510 through the interface unit 505. Is preferably received.

According to one embodiment of the present invention, the IC card unique information received from the teller terminal through the information receiving unit 510 is made by including the chip serial number of the financial IC card, or at least one included in the IC card. It is possible to include the above key value (or hash code), and the present invention is not limited thereby.

According to another exemplary embodiment of the present invention, when a predetermined official certificate is provided in the financial IC card, the unique information of the IC card includes the public certificate copy number and / or public key copy information included in the public certificate. Or when a predetermined card (for example, a credit card, a check card, a debit card, a cash card, etc.) is provided in the financial IC card, the IC card unique information is the card information (for example, a credit card). Information, check card information, debit card information, cash card information, etc.), and when the IC card is provided with biometric information about the customer, the IC card unique information is stored in the It is possible to include biometric information, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the issuance of the ledger-based financial IC card according to the present invention is requested to correspond to the financial account, the information generating unit 520 is provided. And generating a predetermined financial means (or payment means) identifier, wherein the information storage unit 525 processes the generated financial means (or payment means) identifier in association with the ledger information to the ledger D. It is preferable to store in / B.

6A and 6B illustrate a process of issuing a ledger-based financial IC card according to an embodiment of the present invention.

In more detail, Figures 6a and 6b correspond to a financial account opened to the customer for issuing a ledger-based financial IC card according to the present invention based on the ledger-based financial IC card issuance and information registration system shown in FIG. Further comprising the financial means (or payment means) identifier in the ledger information, and the process of linking and storing the ledger information (and / or financial means (or payment means) identifiers included in the ledger information) Specifically, FIG. 6A illustrates a method of generating a predetermined financial means (or payment means) identifier in the information registration server 500, and FIG. 6B illustrates a predetermined financial IC card in the information registration server 500. The present invention relates to a method of generating information and using the financial IC card identification information as the financial means (or payment means) identifier.

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 6a and 6b to correspond to a financial account opened to the customer for issuing a ledger-based financial IC card according to the present invention. Various implementation methods may further include the financial means (or payment means) identifier in the ledger information, and link and process the ledger information (and / or financial means (or payment means) identifiers included in the ledger information). It may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIGS. 6A and 6B.

6A and 6B, the information registration server 500 shown in FIG. 5 is referred to as " server " for convenience.

Referring to FIG. 6A, a customer prepares a predetermined financial account and fills out an application form for issuing a financial IC card and provides it to a window employee, thereby providing predetermined customer information, application information for issuing a financial IC card, and application for issuing a financial instrument (or payment means). Provided to the counter terminal, and / or inputs predetermined customer information, financial IC card issuing application information, and financial instrument (or payment means) issuing application information through a predetermined information input device and provides the same to the counter terminal (600a). .

The counter terminal receiving the customer information, the application information for issuing the financial IC card and the application for issuance of the financial means (or payment means) may receive the customer information, the application information for the issuance of the financial IC card and the financial means (or payment) through a predetermined financial network. Means) issuing application information is sent to the server (605a).

The server may include at least one ledger information (eg, finance) for opening a financial account to the customer based on the customer information received from the teller terminal, the application information for issuing the financial IC card and the application for issuing the financial means (or payment means). At least one ledger for opening an account and, if necessary, at least one or more additional information associated with each ledger is generated (610a).

In addition, the server reads the application information for issuing the financial means (or payment means), and confirms that issuance of a ledger-based financial IC card (and / or ledger-based financial means (or payment means)) according to the present invention is requested ( 615a).

If the check result is not requested from the customer issuing the ledger-based financial IC card according to the present invention (620a), the server performs a conventional IC chip-based financial IC card issuance and financial means (or payment means) issuing procedure ( 625a).

On the other hand, if the check result is requested from the customer to issue the ledger-based financial IC card according to the present invention (620a), the server is based on the customer information, financial IC card issuance application information and financial means (or payment means) issuance application information In operation 630a, a predetermined financial means (or payment means) identifier corresponding to the financial IC card to be issued to the customer is generated.

When the financial instrument (or payment instrument) identifier is extracted and / or generated as described above, the server assigns the financial instrument (or settlement instrument) identifier to the ledger information as shown in FIGS. 4A and / or 4B and / or 4C. After storing in association with or including (635a), the financial IC card issuance and financial means (or payment means) issuance result is transmitted to the counter terminal through the financial network (640a).

Referring to FIG. 6B, a customer prepares a predetermined financial account and prepares an application for issuing a financial IC card, and provides the clerk with the predetermined customer information, application information for issuing a financial IC card, and application for issuing a financial instrument (or payment method). Provided to the counter terminal, and / or inputs predetermined customer information, financial IC card issuing application information, and financial instrument (or payment means) issuing application information through a predetermined information input device, and provides the same to the counter terminal (600b). .

The counter terminal receiving the customer information, the application information for issuing the financial IC card and the application for issuance of the financial means (or payment means) may receive the customer information, the application information for the issuance of the financial IC card and the financial means (or payment) through a predetermined financial network. Means) transmits the issuing application information to the server (605b).

The server may include at least one ledger information (eg, finance) for opening a financial account to the customer based on the customer information received from the teller terminal, the application information for issuing the financial IC card and the application for issuing the financial means (or payment means). At least one ledger for opening an account and, if necessary, at least one or more additional information associated with each ledger is generated (610b).

In addition, the server reads the application information for issuing the financial means (or payment means), and confirms that issuance of a ledger-based financial IC card (and / or ledger-based financial means (or payment means)) according to the present invention is requested ( 615b).

If the check result is not requested from the customer issuing the ledger-based financial IC card according to the present invention (620b), the server performs a conventional IC chip-based financial IC card issuance and financial means (or payment means) issuing procedures ( 625b).

On the other hand, if the check result is requested from the customer to issue the ledger-based financial IC card according to the present invention (620b), the server generates the predetermined financial IC card identification information to be stored in the financial IC card (650b).

Thereafter, the server stores and stores the generated financial IC card identification information in the ledger information using the generated financial IC card identification information as a financial means (or payment means) identifier as shown in FIGS. 4A and / or 4B and / or 4C. 655b), the financial IC card identification information and the financial IC card issuing and financial means (or payment means) issuing result are transmitted to the counter terminal through the financial network (660b).

In addition, the IC card terminal records the financial IC card identification information received through the financial network as IC card storage information of the IC card, thereby issuing the financial IC card to the customer (665b).

7 is a view showing a ledger-based financial IC card issuing process according to another embodiment of the present invention.

In more detail, Figure 7 uses the financial IC card unique information as a financial means (or payment means) identifier in the ledger information corresponding to the financial account opened to the customer for issuing the ledger-based financial IC card according to the present invention. And a process of linking and storing the ledger information (and / or the financial means (or payment means) identifiers included in the ledger information), and the person having ordinary knowledge in the technical field to which the present invention belongs. By referring to and / or modifying this drawing, the financial IC card unique information is added to the ledger information corresponding to the financial account opened to the customer for issuing the ledger-based financial IC card according to the present invention. It can be used as an identifier and linked to the ledger information (and / or the financial instrument (or payment instrument) identifier included in the ledger information). Would be able to infer the various exemplary method of the present invention includes all embodiments in which the inference method, not limited to the exemplary method shown in the figure 7.

Hereinafter, in FIG. 7, the information registration server 500 shown in FIG. 5 is referred to as a "server" for convenience.

Referring to FIG. 7, the customer prepares a predetermined financial account and fills out an application form for issuing a financial IC card and provides it to the counter clerk so that predetermined customer information, financial IC card issuance application information, and financial instrument (or payment means) issuance application information is recalled. Provided to the counter terminal, and / or inputs predetermined customer information, application information for issuing a financial IC card, and application for issuing financial means (or payment means) through a predetermined information input device (700). .

The teller terminal receiving the customer information, the application information for issuing the financial IC card and the application for issuing the financial means (or payment means) issuing the ledger-based financial IC card from the financial IC card issued to the customer through a predetermined IC card reader. Read the predetermined IC card unique information for the (705), the customer information and financial IC card issuing application information and financial means (or payment means) issuing application information, and the read IC card unique through the predetermined financial network The information is sent to the server (710).

The server may include at least one ledger information (eg, for opening a financial account to the customer) based on the customer information received from the teller terminal, the application information for issuing the financial IC card, and the application for issuing the financial means (or payment means). At least one ledger for opening a financial account and, if necessary, at least one or more additional information associated with each ledger) is generated (715).

In addition, the server reads the application information for issuing the financial means (or payment means), and confirms that issuance of a ledger-based financial IC card (and / or ledger-based financial means (or payment means)) according to the present invention is requested ( 720).

If the check result is not requested from the customer to issue the ledger-based financial IC card according to the present invention (725), the server is a conventional IC chip-based financial IC card issuance and financial means (or payment means) issuance procedure Perform 730.

On the other hand, if the check result is issued a ledger-based financial IC card according to the present invention from the customer (725), the server uses the received IC card unique information as a financial means (or payment means) identifier according to the present invention As shown in Fig. 4a and / or Fig. 4b and / or Fig. 4c, after being included in the ledger information and stored in the ledger D / B (735), the financial IC card issued and financed to the counter terminal through the financial network. The result of issuing the means (or payment means) is transmitted (740).

8 is a diagram illustrating a system for issuing and registering information on a ledger-based financial IC card according to another embodiment of the present invention.

In more detail, FIG. 8 illustrates a case in which a customer who receives a conventional IC chip-based financial IC card from a financial institution requests to convert (or reissue) the financial IC card to a ledger-based financial IC card according to the present invention. And / or a ledger-based financial IC card issuance and information registration system constituting the ledger information as in any one or more of FIGS. 4b and / or 4c, if one of ordinary skill in the art Referring to FIG. 8 and / or modified to convert the IC chip-based financial IC card into a ledger-based financial IC card according to the present invention, the IC chip-based financial IC card into the ledger-based financial IC card according to the present invention. It will be possible to infer various system configurations for switching and processing information registration therein, but the present invention includes all the inferred implementation methods, It is not limited by the implementation method shown in FIG.

For example, a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawings 5 and 8 so that the customer receives a cash card and / or a debit card and / or a credit card from the financial institution. And / or an MS card corresponding to a financial means (or payment means) including at least one of a check card and / or an electronic bankbook and / or an electronic money, the ledger-based financial IC according to the present invention. It will be possible to infer an implementation method for issuing a switch to a card, and the present invention includes all the inferred implementation methods.

Hereinafter, a server (or device) for processing issuance and information registration of a ledger-based financial IC card according to the present invention in connection with the teller terminal on the financial system is referred to as an "information registration server 500" for convenience.

The issuer-based financial IC card issuance and information registration system is provided at each branch of the financial institution, and is connected to a teller terminal used by a teller at the branch through a predetermined financial network. Information registration server 500 provided on the financial system, and the ledger D / B that stores the ledger information corresponding to at least one financial means (or payment means) associated with the financial account opened to the customer .

The teller terminal receives predetermined customer financial means (or payment means) information and financial IC card conversion request information from the customer for issuing a ledger-based financial IC card according to the present invention, and the customer financial means (or payment means) And a function of transmitting information and financial IC card switching request information to the information registration server 500 through the financial network. The financial IC card switching request information includes the IC chip-based financial IC card. The information requesting to switch to the ledger-based financial IC card according to the present invention is included.

Here, issuing a ledger-based financial IC card according to the present invention includes connecting or including a predetermined financial means (or payment means) identifier in a ledger corresponding to the financial IC card, thereby providing the financial information at a predetermined IC card terminal. When the IC card is read and its validity is verified, by transmitting the corresponding financial means (or payment means) information to the IC card terminal from an account ledger that includes a financial means (or payment means) identifier connected or included in the financial system, The financial means (or payment means) information is processed as if it were read from the financial IC card.

According to an exemplary embodiment of the present invention, the customer may apply a predetermined financial IC card conversion application form (for example, an application having a form corresponding to a customer financial means (or payment means) information item and a financial IC card conversion request information item). It is preferable to provide the customer financial means (or payment means) information and the financial IC card switch request information to the counter terminal by filling out and submitting the financial IC card switch application to the teller.

According to another exemplary embodiment of the present invention, the customer requests a predetermined information input device (eg, a customer financial means (or payment means) information input item and a financial IC card switching request associated with the window terminal). Outputting an information input interface screen including an information input item, and providing the information input item corresponding to the information input interface to the information input item through a predetermined key input device; It is possible to provide customer banking means (or payment means) information and financial IC card switch request information to the counter terminal, thereby not limiting the present invention.

Further, the teller terminal may be provided with an IC card reader for reading predetermined IC card specific information from the financial IC card and / or recording predetermined financial IC card identification information on the IC card according to another implementation method. It features.

According to the method of the present invention, the teller terminal reads predetermined IC card unique information from the financial IC card through the IC card reader, and the IC card unique information is compared with the customer financial means (or payment means) information. It is preferable to provide the information registration server 500 by being included in the financial IC card switch request information.

According to an embodiment of the present invention, the teller terminal receives predetermined financial IC card identification information from the information registration server 500, and stores IC card storage information of the IC card (for example, cash card storage) through the IC card reader. Information and / or debit card storage information and / or credit card storage information and / or check card storage information and / or electronic bank account storage information and / or electronic money storage information).

Referring to FIG. 8, the information registration server 500 connects and manages at least one window terminal with the application information for issuing the financial IC card and the communication channel for issuing the financial IC card through a predetermined financial network 805. And an information receiving unit 810 for receiving predetermined customer financial means (or payment means) information and financial IC card switching request information from the window terminal in association with the interface unit 805, and the information receiving unit 810. Read the financial IC card conversion request information received through the to convert the previously issued IC chip-based financial IC card corresponding to the customer financial means (or payment means) information to the ledger-based financial IC card according to the present invention. An information checking unit 815 for confirming whether a request has been made; and when the IC chip-based financial IC card is converted into a ledger-based financial IC card according to the present invention, The receiving unit 810 may further receive a predetermined financial means (or payment means) identifier from the window terminal in cooperation with the interface unit 805, and the received financial means (or payment means) identifier may be received. And an information storage unit 825 included in the ledger information corresponding to the customer financial means (or payment means) information and / or stored in association.

The interface unit 805 may include at least one window terminal provided at at least one or more branches operated by the financial institution through a predetermined financial network (for example, a branch network), predetermined financial IC card issuance application information, and the present invention. And a predetermined communication channel for issuing the ledger-based financial IC card, and maintaining and managing the communication channel.

The communication channel connected to and managed by the interface unit 805 with at least one window terminal is a communication channel connected between a financial system provided at the financial institution and at least one window terminal through a dedicated financial network. According to one embodiment, preferably comprising a transaction protocol for transmitting and receiving at least one or more telegrams corresponding to at least one or more financial services defined between the teller terminal and the information registration server 500, the transaction protocol (And / or a specialized structure corresponding to a transaction protocol) may be defined and used in various ways according to the financial business type of each financial institution and the platform characteristics of the financial system, and the transaction protocol (and / or) adopted by the specific financial system. Specialized structure corresponding to transaction protocol) The present invention will not limited.

According to another embodiment of the present invention, a transaction protocol (and / or a specialized structure corresponding to a transaction protocol) corresponding to the communication channel may provide an encryption specialized transmission / reception function to provide a higher level of security. Thereby, this invention is not limited.

According to another exemplary embodiment of the present invention, the transaction protocol corresponding to the communication channel may be defined and used as a traffic data method consisting of binary data in addition to the full text, and the present invention is not limited thereto.

The information receiving unit 810 is connected to the interface unit 805 to receive predetermined customer financial means (or payment means) information and financial IC card switch request information from the window terminal, the financial IC card The switching request information preferably includes information for confirming whether the IC chip-based financial IC card previously issued to the customer is requested to be converted to the ledger-based financial IC card according to the present invention.

The information checking unit 815 checks whether the IC chip-based financial IC card previously issued to the customer is converted into a ledger-based financial IC card according to the present invention by reading the financial IC card switching request information. do.

According to an exemplary embodiment of the present invention, when the verification result of the information checking unit 815 is requested to convert the IC chip-based financial IC card previously issued to the customer into a ledger-based financial IC card according to the present invention, The information receiving unit 810 may further include predetermined IC card specific information corresponding to the financial IC card, and the information storage unit 825 may receive the received IC card unique information from the financial means. (Or payment means) defined in the ledger information and stored in the ledger D / B, and / or the received financial means (or payment means) identifier in conjunction with the ledger information to the ledger D / It is preferable to store in B.

According to an embodiment of the present invention, the IC card unique information is read from a financial IC card issued to the customer through an IC card reader provided in the window terminal, and the information receiving unit 810 is provided through the interface unit 805. Is preferably received.

According to one embodiment of the present invention, the IC card unique information received from the teller terminal through the information receiving unit 810 is made by including the chip serial number of the financial IC card, or at least one included in the IC card It is possible to include the above key value (or hash code), and the present invention is not limited thereby.

According to another exemplary embodiment of the present invention, when a predetermined official certificate is provided in the financial IC card, the unique information of the IC card includes the public certificate copy number and / or public key copy information included in the public certificate. Or when a predetermined card (for example, a credit card, a check card, a debit card, a cash card, etc.) is provided in the financial IC card, the IC card unique information is the card information (for example, a credit card). Information, check card information, debit card information, cash card information, etc.), and when the IC card is provided with biometric information about the customer, the IC card unique information is stored in the It is possible to include biometric information, whereby the present invention is not limited.

Referring to FIG. 8, the information registration server 500 connects and manages at least one window terminal with the application information for issuing the financial IC card and the communication channel for issuing the financial IC card through a predetermined financial network 805. And an information receiving unit 810 for receiving predetermined customer financial means (or payment means) information and financial IC card switching request information from the window terminal in association with the interface unit 805, and the information receiving unit 810. The IC chip-based financial IC card according to the present invention reads the IC chip-based financial IC card issued to the customer in response to the customer financial means (or payment means) information by reading the financial IC card conversion request information received through Information confirmation unit 815 for confirming whether to request to switch to, and converting the IC chip-based financial IC card to the ledger-based financial IC card according to the present invention Information for generating a predetermined financial means (or payment means) identifier for converting the IC chip based financial IC card corresponding to the customer financial means (or payment means) information into a ledger based financial IC card according to the present invention; The generation unit 820 and the information storage unit 825 including the generated financial means (or payment means) identifiers in the ledger information corresponding to the customer financial means (or payment means) information, and / or stored in association with each other. ) Is made.

The interface unit 805 may include at least one or more teller terminals provided at at least one or more branches operated by the financial institution through a predetermined financial network (eg, a branch network), predetermined financial IC card issuing application information, and the present invention. And a predetermined communication channel for issuing the ledger-based financial IC card, and maintaining and managing the communication channel.

The communication channel connected to and managed by the interface unit 805 with at least one window terminal is a communication channel connected between a financial system provided at the financial institution and at least one window terminal through a dedicated financial network. According to one embodiment, preferably comprising a transaction protocol for transmitting and receiving at least one or more telegrams corresponding to at least one or more financial services defined between the teller terminal and the information registration server 500, the transaction protocol (And / or a specialized structure corresponding to a transaction protocol) may be defined and used in various ways according to the financial business type of each financial institution and the platform characteristics of the financial system, and the transaction protocol (and / or) adopted by the specific financial system. Specialized structure corresponding to transaction protocol) The present invention will not limited.

According to another embodiment of the present invention, a transaction protocol (and / or a specialized structure corresponding to a transaction protocol) corresponding to the communication channel may provide an encryption specialized transmission / reception function to provide a higher level of security. Thereby, this invention is not limited.

According to another exemplary embodiment of the present invention, the transaction protocol corresponding to the communication channel may be defined and used as a traffic data method consisting of binary data in addition to the full text, and the present invention is not limited thereto.

The information receiving unit 810 is connected to the interface unit 805 to receive predetermined customer financial means (or payment means) information and financial IC card switch request information from the window terminal, the financial IC card The switching request information preferably includes information for confirming whether the IC chip-based financial IC card previously issued to the customer is requested to be converted to the ledger-based financial IC card according to the present invention.

The information checking unit 815 checks whether the IC chip-based financial IC card previously issued to the customer is converted into a ledger-based financial IC card according to the present invention by reading the financial IC card switching request information. do.

According to another exemplary embodiment of the present invention, when the check result of the information checking unit 815 issuance of the ledger-based financial IC card according to the present invention for the IC chip-based financial IC card previously issued to the customer, The information generator 820 may further generate a predetermined financial means (or payment means) identifier, and the information storage unit 825 may use the generated financial means (or payment means) identifier as the ledger information. It is preferable to store in the ledger D / B in conjunction with the processing.

9A and 9B illustrate a process of issuing a ledger-based financial IC card according to an embodiment of the present invention.

More specifically, FIGS. 9A and 9B correspond to financial accounts opened to the customer for issuing ledger-based financial IC cards according to the present invention based on the ledger-based financial IC card issuing and information registration system shown in FIG. Further comprising the financial means (or payment means) identifier in the ledger information, and the process of linking and storing the ledger information (and / or financial means (or payment means) identifiers included in the ledger information) Specifically, FIG. 9A illustrates a method of generating a predetermined financial means (or payment means) identifier in the information registration server 500, and FIG. 9B illustrates a predetermined financial IC card in the information registration server 500. The present invention relates to a method of generating information and using the financial IC card identification information as the financial means (or payment means) identifier.

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 9a and 9b to correspond to financial accounts opened to the customer for issuing ledger-based financial IC cards according to the present invention. Various embodiments of the present invention further include the financial means (or payment means) identifier in the ledger information, and the linked ledger information (and / or the financial means (or payment means) identifier included in the ledger information). It may be inferred, but the present invention encompasses all the inferred implementation methods, and is not limited to the implementation method shown in FIGS. 9A and 9B.

9A and 9B, the information registration server 500 shown in Fig. 8 is referred to as " server " for convenience.

Referring to FIG. 9A, the customer prepares a financial IC card conversion application and provides it to the counter employee, thereby providing predetermined customer financial means (or payment means) information and financial IC card conversion request information to the counter terminal, and / Alternatively, predetermined customer financial means (or payment means) information and financial IC card switching request information are inputted through a predetermined information input device and provided to the window terminal (900a).

The window terminal receiving the customer financial means (or payment means) information and the financial IC card switch request information transmits the customer financial means (or payment means) information and the financial IC card switch request information to a server through a predetermined financial network. Transmit (905a).

Thereafter, the server receives the customer financial means (or payment means) information and the financial IC card switching request information from the window terminal (910a), and reads the received financial IC card switching request information from the customer. In operation 915a, the IC chip-based financial IC card issued to the customer is requested to be converted to the ledger-based financial IC card according to the present invention.

If the check result is not requested to convert the IC chip-based financial IC card from the customer to the ledger-based financial IC card according to the present invention (920a), the server generates the financial IC card conversion error message to the counter terminal. In step 925a, the process of converting the IC chip-based financial IC card to the ledger-based financial IC card according to the present invention is terminated.

On the other hand, if the result of the check is requested that the customer converts the IC chip-based financial IC card to the ledger-based financial IC card according to the present invention (920a), the server converts the customer financial means (or payment means) information and the financial IC card. Based on the request information, a predetermined financial means (or payment means) identifier is generated (930a).

When the financial instrument (or payment instrument) identifier is extracted and / or generated as described above, the server assigns the financial instrument (or settlement instrument) identifier to the ledger information as shown in FIGS. 4A and / or 4B and / or 4C. After storing in conjunction with or linked to (935a), and transfers the IC chip-based financial IC card conversion result to the ledger-based financial IC card according to the present invention through the financial network (940a).

Referring to FIG. 9B, the financial IC card switching application is prepared and provided to the counter staff, thereby providing predetermined customer financial means (or payment means) information and financial IC card switching request information to the counter terminal, and / or Through the information input device, predetermined customer financial means (or payment means) information and financial IC card switching request information are input to the counter terminal (900b).

The window terminal receiving the customer financial means (or payment means) information and the financial IC card switch request information transmits the customer financial means (or payment means) information and the financial IC card switch request information to a server through a predetermined financial network. Transmit (905b).

Thereafter, the server receives the customer financial means (or payment means) information and the financial IC card switching request information from the teller terminal (910b), and reads the received financial IC card switching request information from the customer. In step 915b, the IC chip-based financial IC card issued to the customer is requested to be converted to the ledger-based financial IC card according to the present invention.

If the check result is not requested to convert the IC chip-based financial IC card to the ledger-based financial IC card according to the present invention (920b), the server generates the financial IC card conversion error message to the counter terminal. In step 925a, the process of converting the IC chip-based financial IC card into a ledger-based financial IC card according to the present invention is terminated.

On the other hand, if the check result indicates that the customer is requested to convert the IC chip-based financial IC card to the ledger-based financial IC card according to the present invention (920b), the server provides predetermined financial IC card identification information to be stored in the financial IC card. Create 950b.

Thereafter, the server stores and stores the generated financial IC card identification information in the ledger information using the generated financial IC card identification information as a financial means (or payment means) identifier as shown in FIGS. 4A and / or 4B and / or 4C. 955b), and transfers the IC chip-based financial IC card to the ledger terminal through the financial network to the ledger-based financial IC card according to the present invention (960b).

In addition, the IC card terminal records the financial IC card identification information received through the financial network as IC card storage information of the IC card, thereby issuing the financial IC card to the customer (965b).

10 illustrates a process of issuing a ledger-based financial IC card according to another embodiment of the present invention.

In more detail, Figure 10 illustrates the use of the financial IC card unique information as a financial means (or payment means) identifier in the ledger information corresponding to the financial account opened to the customer for issuing the ledger-based financial IC card according to the present invention. And a process of linking and storing the ledger information (and / or the financial means (or payment means) identifiers included in the ledger information), and the person having ordinary knowledge in the technical field to which the present invention belongs. 10, the financial IC card unique information is added to the ledger information corresponding to the financial account opened to the customer for issuing the ledger-based financial IC card according to the present invention. It is used as an identifier and stored in association with the ledger information (and / or the financial means (or payment means) identifier included in the ledger information). Is would be able to infer the various exemplary methods, the present invention includes all embodiments in which the inference method, not limited to the exemplary method shown in the figure 10.

Hereinafter, in FIG. 10, the information registration server 500 shown in FIG. 8 is referred to as "server" for convenience.

Referring to FIG. 10, the customer prepares a financial IC card conversion application and provides it to the counter employee, thereby providing predetermined customer financial means (or payment means) information and financial IC card conversion request information to the counter terminal, and / or Through the predetermined information input device, predetermined customer financial means (or payment means) information and financial IC card switching request information are input to the counter terminal (1000).

The teller terminal provided with the customer financial means (or payment means) information and the financial IC card switch request information has a predetermined number for issuing a ledger-based financial IC card from the financial IC card issued to the customer through a predetermined IC card reader. The IC card unique information is read (1005), and the customer financial means (or payment means) information, the financial IC card switch request information, and the read IC card unique information are transmitted to a server through a predetermined financial network (1010). ).

Thereafter, the server receives the customer financial means (or payment means) information and the financial IC card switching request information from the counter terminal (1015), and reads the received financial IC card switching request information from the customer. In step 1020, the IC chip-based financial IC card issued to the customer is requested to be converted to the ledger-based financial IC card according to the present invention.

If the check result is not requested to convert the IC chip-based financial IC card to the ledger-based financial IC card according to the present invention (1025), the server generates the financial IC card conversion error message to the counter terminal. In step 1030, the process of converting the IC chip-based financial IC card into a ledger-based financial IC card according to the present invention is terminated.

On the other hand, if the check result is requested from the customer to issue the ledger-based financial IC card according to the present invention (1025), the server uses the received IC card unique information as a financial means (or payment means) identifier according to the present invention The IC chip-based financial IC card is included in the ledger information and stored in the ledger D / B as shown in FIGS. 4A and / or 4B and / or 4C (1035), and then transferred to the counter terminal through the financial network. The transfer result of the conversion to the ledger-based financial IC card according to the present invention (1040).

11 is a diagram illustrating a ledger-based financial IC card structure for integrated mileage management according to an embodiment of the present invention.

In more detail, Figure 11 is the IC chip-based banking IC card shown in Figure 2, the IC chip-based banking IC card to provide the integrated mileage service according to the present invention through the IC chip-based banking IC card When a predetermined integrated mileage identifier is provided to confirm that the IC card is subject to the integrated mileage service provision according to the present invention, the ledger base is linked with at least one or more card information provided in the ledger D / B through the integrated mileage identifier. As a method for implementing a financial IC card, a person of ordinary skill in the art to which the present invention pertains, various mileages for the ledger-based financial IC card according to the present invention by referring to and / or modifying this drawing 11. Although it is possible to infer stored information, the present invention includes all the implementation methods inferred from the above, It shall be limited to methods.

For example, those of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 11 to include in a database other than the ledger D / B (eg, in a DBMS provided on an IC card-based payment system). It will be possible to infer an implementation method in which the integrated mileage identifier is provided in the database, and the present invention includes all the inferred embodiments.

According to another exemplary embodiment of the present invention, the mileage storage information shown in FIGS. 11A and / or 11B on the IC card may be omitted for the ledger-based financial IC card according to the present invention.

That is, even if the mileage storage information is not provided in the IC card, as shown in FIGS. 13A and / or 13B and / or FIG. 13C, a predetermined integrated mileage identifier is included in the account ledger, and / or the linking process is performed. In addition, regardless of the mileage storage information stored in the IC chip can be used as a ledger-based financial IC card according to the present invention.

According to the present invention, the mileage storage information shown in FIG. 11 is characterized in that a predetermined IC card terminal provides a means for confirming that the IC card is associated with a ledger-based financial IC card according to the present invention. However, it may be omitted according to the intention of those skilled in the art, but is not limited thereto.

The financial IC card corresponding to the IC chip-based financial IC card structure shown in FIG. 2 includes credit card storage information, debit card storage information, check card storage information, cash card storage information, electronic bank account storage information, and electronic money storage information. At least one payment means storage information is provided.

Referring to FIG. 11, an IC card for a ledger-based financial IC card according to the present invention includes a power supply (VCC), a reset signal (RST), a clock signal (CLK), a ground (GND), a programming power supply (VPP), And / or an input / output interface for communicating (eg exchanging commands or data) with the IC card reader through a contact point such as an input / output (I / O), a central process unit (CPU), a micro process unit (MPU), and / or A processor unit including at least one computing element including a coprocessor, a read only memory (ROM), a random access memory (RAM), an electrically erasable and programmable read only memory (EEPROM), and a flash memory (FM) And an IC chip including a memory unit including at least one memory element including a memory device, wherein the input / output interface of the IC chip is electrically connected to a chip on board having a contact point corresponding to the contact point. The.

According to an embodiment of the present invention, at least one memory element (eg, a ROM) of the memory elements constituting the memory unit may store a Chip Operating System (COS) that manages and operates an IC card internal resource. When a predetermined power is supplied from an IC card reader through a power supply (VCC) contact point of the input / output interface, the COS stored in the memory unit is loaded into a predetermined execution memory to control the overall operation of the IC chip, and the clock Controlling information or data exchange between the IC chip and the IC card reader through an APDU (Application Protocol Data Unit) based on the clock frequency (eg, 3.57 MHz or 4.9 MHz) of the signal CLK contact point.

In addition, the memory unit of the IC chip includes a security structure based on ISO / IEC 10202. According to this, the memory unit includes a protection area for storing secret information such as a chip serial number (CSN), a COS control area, and a user. It consists of an application area, a read / write access area, an application program area, and a FAT (File Allocation Table) management area. The mileage storage information for the present invention is preferably stored in an area excluding the protected area and the COS control area. Do.

In addition, according to the ISO / IEC 7816 and / or ISO / IEC 14443 ICC standard, the memory unit includes one master file (MF) corresponding to a root file, and at least one lower part of the master file. ATR (Answer To Reset) including function information about stored information, at least one dedicated file (DF) corresponding to each ICC stored information, and a smart card service disposed under the dedicated file. It includes a file structure consisting of an element file (EF) containing substantial information and / or data for, the mileage storage information for the present invention also comprises the file structure as described above.

Referring to Figure 11a, the mileage storage information comprises an information file for storing a predetermined serial number, the serial number of the mileage storage information is preferably used as ledger-based financial IC card identification information according to the present invention. Do.

According to another embodiment of the present invention, the mileage storage information may be provided with the CIF number of the ledger corresponding to the financial IC card in addition to the IC card serial number, in which case the CIF number is ledger-based financial IC according to the present invention It can be used as the card identification information, in addition to the intention of those skilled in the art various unique information is provided in the mileage storage information, can be used as ledger-based financial IC card identification information according to the present invention, thereby limiting the present invention Not.

In FIG. 11A, the chip serial number of the financial IC card and / or at least one key value (or hash code) included in the IC card are unique to the IC card for providing the ledger-based financial IC card service according to the present invention. Ledger-based financial IC card service according to the present invention, if the information is used, or if the financial IC card is provided with a predetermined certificate, the certificate number, and / or public key copy information included in the certificate The card information (e.g., credit) is used as IC card unique information for providing a card or when a predetermined card (e.g., credit card, check card, debit card, cash card, etc.) is provided in the financial IC card. Card information, check card information, debit card information, cash card information, etc.) is used as IC card specific information for providing the ledger-based financial IC card service according to the present invention, or When the biometric information of the customer is provided in the IC card, the biometric information of the customer may be used as IC card unique information for providing the ledger-based financial IC card service according to the present invention, thereby limiting the present invention. Not.

Referring to FIG. 11B, the financial IC card has only a storage area in which predetermined mileage storage information can be stored, and null data is stored in the storage area (eg, corresponding to mileage storage information in the storage area). Only a dedicated file exists and no element file is stored). In this case, the IC card terminal views the IC card based on whether there is a storage area in which the mileage storage information can be stored in the IC card. It is possible to confirm whether it is ledger-based financial IC card according to the invention.

In FIG. 11B, the chip serial number of the financial IC card and / or at least one key value (or hash code) included in the IC card are unique to the IC card for providing the ledger-based financial IC card service according to the present invention. When used as information, or when a predetermined IC card is provided in the financial IC card, the public certificate copy number of the ledger-based financial IC card according to the present invention includes the public certificate copy information included in the official certificate number and / or the public certificate. The card information (e.g., credit) is used as IC card specific information for providing a service, or when a predetermined card (e.g., credit card, check card, debit card, cash card, etc.) is provided in the financial IC card. Card information, check card information, debit card information, cash card information, etc.) is used as IC card specific information for providing the ledger-based financial IC card service according to the present invention, or When the biometric information of the customer is provided in the IC card, the biometric information of the customer may be used as IC card unique information for providing the ledger-based financial IC card service according to the present invention, thereby limiting the present invention. Not.

According to another embodiment of the present invention, the mileage storage information itself may be omitted in the IC card (not shown), whereby the present invention is not limited.

When the mileage storage information itself is omitted in the IC card as described above, the chip serial number of the IC card, and / or at least one key value (or hash code) included in the IC card is stored in the ledger-based financial IC according to the present invention. If the IC card is used as unique information for providing a card service, or if a predetermined certificate is provided in the IC card, the certificate number and / or public key copy information included in the certificate may be used. If the IC card is used as unique information for providing the ledger-based financial IC card service, or if a predetermined card (eg, credit card, check card, debit card, cash card, etc.) is provided in the IC card, Card information (eg, credit card information, check card information, debit card information, cash card information, etc.) IC card for providing the ledger-based financial IC card service according to the present invention When the biometric information of the customer is used as the unique information or the IC card, the biometric information of the customer may be used as the IC card unique information for providing the ledger-based financial IC card service according to the present invention. The present invention is not limited thereby.

12A and 12B illustrate a structure of a ledger-based financial IC card for integrated mileage management according to another exemplary embodiment of the present invention.

More specifically, FIGS. 12A and 12B illustrate a predetermined ledger for providing an integrated mileage service according to the present invention through the ledger-based financial IC card in the ledger-based financial IC card shown in FIGS. 3A and / or 3B. At least one card provided in the ledger D / B through the integrated mileage identifier, when a predetermined integrated mileage identifier is provided in D / B to confirm that the financial IC card is subject to the integrated mileage service provision according to the present invention. A method of implementing a ledger-based financial IC card linked to information, and a person of ordinary skill in the art may refer to and / or modify the drawings 12a and 12b according to the present invention. While it would be possible to infer various mileage storage information for ledger-based financial IC cards, the present invention is in all implementations inferred above. Law, and the present invention is not limited to the implementation method shown in FIGS. 12A and 12B.

For example, those of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawings 12a and 12b so that a database other than the ledger D / B is provided on the IC card based payment system. It will be possible to infer an implementation method including the integrated mileage identifier in a database included in a DBMS, and the present invention includes all the inferred embodiments.

According to another exemplary embodiment of the present invention, the mileage storage information shown in FIGS. 12A and / or 12B on the IC card may be omitted for the ledger-based financial IC card according to the present invention.

That is, even if the mileage storage information is not provided in the IC card, as shown in FIGS. 13A and / or 13B and / or FIG. 13C, a predetermined integrated mileage identifier is included in the account ledger, and / or the linking process is performed. In addition, regardless of the mileage storage information stored in the IC chip can be used as a ledger-based financial IC card according to the present invention.

According to the present invention, the mileage storage information shown in FIGS. 12A and 12B is provided by a predetermined IC card terminal to provide a means for confirming that the IC card is associated with a ledger-based financial IC card according to the present invention. It may be omitted, depending on the intention of the person skilled in the art, and is not limited thereto.

12A and 12B, an IC card for a ledger-based financial IC card according to the present invention includes a power supply (VCC), a reset signal (RST), a clock signal (CLK), a ground (GND), a programming power supply ( Input / output interfaces (e.g., command or data exchange, etc.), IC (Central Process Unit), MPU (Micro Process Unit), And / or a processor unit including at least one computing element including a coprocessor, a read only memory (ROM), a random access memory (RAM), an electrically erasable and programmable read only memory (EEPROM), and an FM ( And an IC chip including a memory unit including at least one memory device including a flash memory, etc., wherein an input / output interface of the IC chip includes a chip on board (COB) having a contact point corresponding to the contact point one-to-one; Electrical It is connected to.

According to an embodiment of the present invention, at least one memory element (eg, a ROM) of the memory elements constituting the memory unit may store a Chip Operating System (COS) for managing and operating an IC card internal resource. When a predetermined power is supplied from an IC card reader through a power supply (VCC) contact point of the input / output interface, the COS stored in the memory unit is loaded into a predetermined execution memory to control the overall operation of the IC chip, and the clock signal (CLK) Controls the exchange of information or data between the IC chip and the IC card reader through an APDU (Application Protocol Data Unit) based on the clock frequency (eg, 3.57 MHz or 4.9 MHz) of the contact point.

In addition, the memory unit of the IC chip includes a security structure based on ISO / IEC 10202. According to this, the memory unit includes a protection area for storing secret information such as a chip serial number (CSN), a COS control area, and a user. It consists of an application area, a read / write access area, an application program area, and a FAT (File Allocation Table) management area. The mileage storage information for the present invention is preferably stored in an area excluding the protected area and the COS control area. Do.

In addition, according to the ISO / IEC 7816 and / or ISO / IEC 14443 ICC standard, the memory unit includes one master file (MF) corresponding to a root file, and at least one lower part of the master file. ATR (Answer To Reset) including function information about stored information, at least one dedicated file (DF) corresponding to each ICC stored information, and a smart card service disposed under the dedicated file. It includes a file structure consisting of an element file (EF) containing substantial information and / or data for, the mileage storage information for the present invention also comprises the file structure as described above.

12A, the mileage storage information includes an information file for storing a predetermined serial number, and the serial number of the mileage storage information is preferably used as ledger-based financial IC card identification information according to the present invention. Do.

According to another embodiment of the present invention, the mileage storage information may be provided with the CIF number of the ledger corresponding to the financial IC card in addition to the IC card serial number, in which case the CIF number is ledger-based financial IC according to the present invention It can be used as the card identification information, in addition to the intention of those skilled in the art various unique information is provided in the mileage storage information, can be used as ledger-based financial IC card identification information according to the present invention, thereby limiting the present invention Not.

In FIG. 12A, the chip serial number of the financial IC card and / or at least one key value (or hash code) included in the IC card are unique to the IC card for providing the ledger-based financial IC card service according to the present invention. Ledger-based financial IC card service according to the present invention, if the information is used, or if the financial IC card is provided with a predetermined certificate, the certificate number, and / or public key copy information included in the certificate The card information (for example, credit card) is used as IC card unique information for providing a card, or if a predetermined card (for example, credit card, check card, debit card, cash card, etc.) is provided in the financial IC card. Information, check card information, debit card information, cash card information, etc.) is used as IC card unique information for providing the ledger-based financial IC card service according to the present invention, or the I When the biometric information of the customer is provided on the C card, the biometric information of the customer may be used as IC card unique information for providing the ledger-based financial IC card service according to the present invention. It is not limited.

12B, the financial IC card has only a storage area in which predetermined mileage storage information may be stored, and null data is stored in the storage area (eg, corresponding to mileage storage information in the storage area). Only a dedicated file exists and no element file is stored). In this case, the IC card terminal views the IC card based on whether there is a storage area in which the mileage storage information can be stored in the IC card. It is possible to confirm whether it is ledger-based financial IC card according to the invention.

In FIG. 12B, the chip serial number of the financial IC card and / or at least one key value (or hash code) included in the IC card are unique to the IC card for providing the ledger-based financial IC card service according to the present invention. Ledger-based financial IC card service according to the present invention, if the information is used, or if the financial IC card is provided with a predetermined certificate, the certificate number, and / or public key copy information included in the certificate The card information (for example, credit card) is used as IC card unique information for providing a card, or if a predetermined card (for example, credit card, check card, debit card, cash card, etc.) is provided in the financial IC card. Information, check card information, debit card information, cash card information, etc.) is used as IC card unique information for providing the ledger-based financial IC card service according to the present invention, or the I When the biometric information of the customer is provided in the C card, the biometric information of the customer may be used as IC card unique information for providing the ledger-based financial IC card service according to the present invention, thereby limiting the present invention. Not.

According to another embodiment of the present invention, the mileage storage information itself may be omitted in the IC card (not shown), whereby the present invention is not limited.

When the mileage storage information itself is omitted in the IC card as described above, the chip serial number of the IC card, and / or at least one key value (or hash code) included in the IC card is stored in the ledger-based financial IC according to the present invention. If the IC card is used as unique information for providing a card service, or if a predetermined certificate is provided in the IC card, the certificate number and / or public key copy information included in the certificate may be used. If the IC card is used as unique information for providing the ledger-based financial IC card service, or if a predetermined card (eg, credit card, check card, debit card, cash card, etc.) is provided in the IC card, Card information (eg, credit card information, check card information, debit card information, cash card information, etc.) IC card for providing the ledger-based financial IC card service according to the present invention When the biometric information of the customer is used as the unique information or the IC card, the biometric information of the customer may be used as the IC card unique information for providing the ledger-based financial IC card service according to the present invention. The present invention is not limited thereby.

13A, 13B, and 13C are diagrams illustrating a ledger information structure including an integrated mileage identifier (or a divided value) for integrated mileage operation according to an embodiment of the present invention.

13a, 13b, and 13c are shown in more detail in a predetermined ledger stored in the ledger D / B on the IC card-based financial system shown in Fig. 1, and shown in Figs. 12 and / or 13a and / or 13b. Ledger information configuration for cooperatively processing a predetermined integrated mileage identifier (or a separate value) for the integrated mileage service operation through the financial IC card, specifically, Figure 13a is the present invention in the account ledger of the ledger D / B The embodiment of the present invention relates to an implementation method including a predetermined integrated mileage identifier (or a divided value) for providing a ledger-based financial IC card service according to the present invention. The present invention relates to an implementation method including a predetermined integrated mileage identifier (or a divided value) for providing a ledger-based financial IC card service according to the present invention. It is for the exemplary method for processing linking the integrated mileage identification information including the ledger D / B predetermined integrated mileage to the account ledger for providing a ledger based financial IC card service according to the present invention the identifier (or separated value).

13A, 13B, and 13C, the ledger information includes a predetermined customer ledger, a reception ledger associated with the customer ledger (hereinafter referred to as an "account ledger"), and at least one associated with the account ledger. It includes information, if the person of ordinary skill in the technical field to which the present invention belongs, the ledger D / B provided in the DBMS on the financial system includes at least one ledger (for example, loan ledger, And / or at least one additional information for maintaining and managing the ledgers will also be clearly understood, and the specific technical details thereof will be understood. Description is omitted for convenience.

In addition, those of ordinary skill in the art to which the present invention pertains may refer to and / or modify the present drawings 13a, 13b, and 13c without departing from the essential technical matters of the present invention. Various implementation methods for providing the ledger-based financial IC card service according to the present invention may be inferred, but the present invention includes all the implementation methods inferred above and is limited to the implementation methods shown in FIGS. 13A, 13B, and 13C. Not.

Hereinafter, in the illustrated embodiment, the integrated mileage identifier (or division value) is referred to as "integrated mileage identifier" for convenience.

Referring to FIGS. 13A, 13B, and 13C, the customer ledger includes a customer information file (CIF) number, a country code, a contact person ID, a store number, a customer classification, a customer name, a customer address, a region identification code, a telephone number, and a business place. No., Trade Name, Classification Code, Expiry Date, Status Main Information, Settlement Date, Cash Date, Last Name, Person, Social Security Number, Company Address, Company Phone Number, Mailing Place, Account Number, President, Business Type, Legal Representative, Initial Transaction Date, TRW , DB, usage, parent company number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the customer ledger, and thus the detailed description thereof will be omitted for convenience.

In addition, the account ledger is linked to the customer ledger relationally, account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance , Bank account number, interest interest, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, unpaid account transactions, interest rate account, flat currency connection, final payment interest, final payment transaction It includes at least one of a number, an individual interest rate reference, and a final interest calculation date, and at least one of an account number, a waiver (month), a period (days), an extension, a maturity date, and a target amount corresponding to the account ledger. Periodic receipt information, and / or trust reception information including at least one or more of an account number, a deposit amount, a par value, a pension date, and the number of shares corresponding to the account ledger, and / or the account ledger. Transactions that include at least one account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch number, batch transaction, date of payment, bank account line, summary, CIF, etc. It includes the history information.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the account ledger and the additional information configuration, and thus the detailed description thereof will be omitted for convenience.

Referring to FIG. 13A, a predetermined integrated mileage identifier is assigned to an account ledger associated with the customer ledger (eg, an account ledger corresponding to a customer financial account opened to a customer) to provide a ledger-based financial IC card service according to the present invention. Characterized in that it comprises a.

According to one embodiment of the invention, the integrated mileage identifier is an integrated mileage confirmation flag (e.g. TRUE, if the customer is an integrated mileage customer) to identify whether the customer is an integrated mileage customer according to the invention. If not a mileage customer, FALSE) is preferably included.

According to another exemplary embodiment of the present invention, the integrated mileage identifier may include IC card unique information associated with the financial IC card, whereby the financial transaction (or In the case of electronic payment), when a full message including the IC card unique information is received from a predetermined IC card terminal, the customer can easily confirm that the customer is an integrated mileage customer according to the present invention.

Here, the IC card unique information may include a chip serial number of the financial IC card, or may include at least one key value (or hash code) included in the financial IC card, thereby providing the present invention. This is not limited.

If a predetermined official certificate is provided in the financial IC card, the unique information of the IC card may include the public certificate number and / or public key copy information included in the public certificate. When a predetermined IC card (e.g., credit card, debit card, debit card, cash card, etc.) is provided in the financial IC card, the IC card unique information is the card information (e.g. credit card information, check card information, debit card). Information, cash card information, etc.), and when the IC card includes biometric information about the customer, the IC card unique information may include the biometric information of the customer. The present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the IC card may be provided with predetermined financial IC card identification information for identifying that the ledger-based financial IC card according to the present invention is associated with the IC card. In this case, the integrated mileage identifier may include the financial IC card identification information included in the financial IC card.

For example, the financial IC card identification information may include a predetermined serial number (or ID number) uniquely assigned so as not to be duplicated, and the present invention is not limited thereto.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 13a to infer an implementation method including the integrated mileage identifier in another ledger including the customer ledger in addition to the account ledger. It will be appreciated that the present invention encompasses all of the inferred practice methods.

Referring to FIG. 13B, predetermined bankbook management information linked to the account ledger (for example, an account ledger corresponding to a customer financial account opened to a customer) in order to provide a ledger-based financial IC card service according to the present invention. And a predetermined integrated mileage identifier.

13B, the bank account management information basically includes at least one or more of an account number, a CIF number, a bank account number, an issue date, and a bank account balance, and a predetermined integrated mileage identifier is preferably provided in the information structure. .

According to another embodiment of the present invention, the predetermined bankbook management information linked to the account ledger may include only the integrated mileage identifier with the account number, CIF number, bankbook number, issue date, and bankbook balance omitted. The present invention is not limited thereto.

According to one embodiment of the invention, the integrated mileage identifier is an integrated mileage confirmation flag (e.g. TRUE, if the customer is an integrated mileage customer) to identify whether the customer is an integrated mileage customer according to the invention. If not a mileage customer, FALSE) is preferably included.

According to another exemplary embodiment of the present invention, the integrated mileage identifier may include IC card unique information associated with the financial IC card, whereby the financial transaction (or At the time of electronic payment), when a full message including the IC card unique information is received from a predetermined IC card terminal, the customer can easily confirm that the customer is an integrated mileage customer according to the present invention.

Here, the IC card unique information may include a chip serial number of the financial IC card, or may include at least one key value (or hash code) included in the financial IC card, thereby providing the present invention. This is not limited.

If a predetermined official certificate is provided in the financial IC card, the unique information of the IC card may include the public certificate number and / or public key copy information included in the public certificate. When a predetermined IC card (e.g., credit card, debit card, debit card, cash card, etc.) is provided in the financial IC card, the IC card unique information is the card information (e.g. credit card information, check card information, debit card). Information, cash card information, etc.), and when the IC card includes biometric information about the customer, the IC card unique information may include biometric information of the customer. The present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the IC card may be provided with predetermined financial IC card identification information for identifying that the ledger-based financial IC card according to the present invention is associated with the IC card. In this case, the integrated mileage identifier may include the financial IC card identification information included in the financial IC card.

For example, the financial IC card identification information may include a predetermined serial number (or ID number) uniquely assigned so as not to be duplicated, and the present invention is not limited thereto.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 13b, in addition to the bankbook management information, cash card management information and / or debit card associated with the account ledger (or customer ledger). An implementation method including the integrated mileage identifier in management information and / or credit card management information and / or check card management information and / or electronic bank account management information and / or electronic money management information may be inferred. It includes all the inferred implementation method.

Referring to FIG. 13C, predetermined integrated mileage identification information including a predetermined integrated mileage identifier for providing a ledger-based financial IC card service according to the present invention corresponds to the account ledger (eg, a customer financial account opened to a customer). It is characterized in that the processing in connection with the ledger).

In FIG. 13C, the integrated mileage identification information basically includes an account number, a CIF number, and a predetermined integrated mileage identifier. The account number and / or CIF number may be omitted according to the intention of a person skilled in the art.

According to one embodiment of the invention, the integrated mileage identifier is an integrated mileage confirmation flag (e.g. TRUE, if the customer is an integrated mileage customer) to identify whether the customer is an integrated mileage customer according to the invention. If not a mileage customer, FALSE) is preferably included.

According to another exemplary embodiment of the present invention, the integrated mileage identifier may include IC card unique information associated with the financial IC card, whereby the financial transaction (or In the case of electronic payment), when a full message including the IC card unique information is received from a predetermined IC card terminal, the customer can easily confirm that the customer is an integrated mileage customer according to the present invention.

Here, the IC card unique information may include a chip serial number of the financial IC card, or may include at least one key value (or hash code) included in the financial IC card, thereby providing the present invention. This is not limited.

If a predetermined official certificate is provided in the financial IC card, the unique information of the IC card may include the public certificate number and / or public key copy information included in the public certificate. When a predetermined IC card (e.g., credit card, debit card, debit card, cash card, etc.) is provided in the financial IC card, the IC card unique information is the card information (e.g. credit card information, check card information, debit card). Information, cash card information, etc.), and when the IC card includes biometric information about the customer, the IC card unique information may include biometric information of the customer. The present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the IC card may be provided with predetermined financial IC card identification information for identifying that the ledger-based financial IC card according to the present invention is associated with the IC card. In this case, the integrated mileage identifier may include the financial IC card identification information included in the financial IC card.

For example, the financial IC card identification information may include a predetermined serial number (or ID number) uniquely assigned so as not to be duplicated, and the present invention is not limited thereto.

14 is a view showing the operation of the IC card terminal for the financial transaction (or electronic payment) using the IC chip-based financial IC card according to the embodiment of the present invention.

In more detail, Figure 14 shows an IC card associated with an IC chip-based financial IC card according to the present invention inserted into the IC card terminal shown in Figure 10, and then the IC chip-based financial IC card in the IC card terminal As an implementation method for a process of initiating a financial transaction (or electronic payment) using, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to and / or modify the drawing 14 and the IC card terminal Various implementation methods for initiating financial transactions (or electronic payments) using chip-based financial IC cards may be inferred, but the present invention includes all the inferred implementation methods and is limited to the implementation method shown in FIG. Not.

For example, in FIG. 14, the operation mode checking process and the validity authentication process of the IC card terminal may be reversed, and the validity authentication process uses the biometric information according to the intention of those skilled in the art in addition to the validity authentication using the PIN. It may be replaced by.

In the following figure, the IC card terminal is referred to as " terminal " for convenience.

Referring to FIG. 14, a terminal equipped with a financial transaction (or electronic payment) function using an IC chip-based financial IC card according to the present invention checks whether a predetermined IC card is inserted through a predetermined IC card reader (1400). If a predetermined IC card is inserted through the IC card reader (1405), the terminal outputs a predetermined operation mode selection interface screen, and the operation mode of the terminal is set to the IC chip through the operation mode selection interface screen. In operation 1410, it is determined whether a financial transaction (or electronic payment) mode for processing a financial transaction (or electronic payment) using the basic financial IC card is selected.

If the operation mode of the terminal is not selected as the financial transaction (or electronic payment) mode for financial transaction (or electronic payment) using the IC chip-based financial IC card according to the present invention (1415), the terminal is the IC The function corresponding to the selected operation mode is performed based on the card (1420).

On the other hand, if the operation mode of the terminal is selected as the financial transaction (or electronic payment) mode for financial transaction (or electronic payment) using the IC chip-based financial IC card according to the present invention (1415), the terminal is a predetermined PIN Outputs a validity authentication interface screen (for example, a screen requesting to input a predetermined PIN), and a predetermined PIN is input through the validity authentication interface screen to be associated with a financial IC card (and / or the financial IC card). Check whether the validity of at least one financial means (or payment means) is certified (1425).

If the validity of the financial IC card (and / or at least one or more financial means (or payment means) associated with the financial IC card is not authenticated (1430), the terminal outputs a predetermined validity authentication error message (1435). ), The financial transaction (or electronic payment) process using the IC chip-based financial IC card is terminated.

On the other hand, if the validity of a financial IC card (and / or at least one or more financial means (or payment means) associated with the financial IC card is authenticated (1430), the terminal receives at least one financial means (or payment) from the IC card. Means) extracts information, and outputs a predetermined financial means (or payment means) selection interface screen including the extracted financial means (or payment means) information (1440).

FIG. 15 is a view illustrating an operation process of an IC card terminal for processing a financial transaction (or electronic payment) using an IC chip-based financial IC card according to an embodiment of the present invention.

In more detail, FIG. 15 is based on at least one of the financial means (or payment means) information of the IC card terminal on which the financial means (or payment means) selection interface screen is output through the same process as in FIG. 14. An embodiment of the present invention relates to a method of processing a financial transaction (or electronic payment) using an IC chip-based financial IC card, and a person of ordinary skill in the art may refer to and / or refer to FIG. 15. Financial transaction using the IC chip-based financial IC card according to the present invention based on at least one or more financial means (or payment means) information included in the financial means (or payment means) information in the IC card terminal. Various implementation methods for processing electronic payment) may be inferred, but the present invention includes all the implementation methods inferred above, as shown in FIG. Exemplary methods shall not be limited to.

In the following figure, the IC card terminal is referred to as " terminal " for convenience.

Referring to FIG. 15, when the financial means (or payment means) selection interface screen is output through the process illustrated in FIG. 14, the terminal may perform a predetermined financial transaction through the financial means (or payment means) selection interface screen. It is checked whether a financial means (or payment method) for (or electronic payment) is selected (1515).

If a financial means (or payment means) for a predetermined financial transaction (or electronic payment) is selected through the financial means (or payment means) selection interface screen (1520), the terminal selects the selected financial transaction (or electronic payment). Outputs a predetermined financial transaction (or electronic payment) selection interface screen for selecting a predetermined financial transaction (or electronic payment) from at least one financial transaction (or electronic payment) that can be processed in correspondence with the financial means (or payment method) (1525), a predetermined financial transaction (or electronic settlement) to be processed through the financial means (or payment instrument) for the financial transaction (or electronic settlement) is selected through the financial transaction (or electronic settlement) interface screen. (1530).

If a predetermined financial transaction (or electronic payment) to be processed through the financial means (or payment means) for the financial transaction (or electronic payment) is selected through the financial transaction (or electronic payment) selection interface screen (1535), The terminal finances to input at least one financial transaction (or electronic payment) information corresponding to a predetermined financial transaction (or electronic payment) to be processed through the financial means (or payment means) for the financial transaction (or electronic payment). Output the transaction (or electronic payment) information input interface screen (1540), and process through the financial means (or payment means) for the financial transaction (or electronic payment) through the financial transaction (or electronic payment) information input interface screen. In operation 1545, at least one financial transaction (or electronic payment) information corresponding to a predetermined financial transaction (or electronic payment) to be input is input.

If all financial transaction (or electronic settlement) information corresponding to a predetermined financial transaction (or electronic settlement) to be processed through the financial means (or electronic settlement) for the financial transaction (or electronic settlement) is input (1550), The terminal generates a full financial transaction (or electronic payment) request message including the financial means (or payment means) information for the financial transaction (or electronic payment) and the input at least one financial transaction (or electronic payment) information ( 1555) and transmits the generated financial transaction (or electronic payment) request message to the payment server 100 and / or the financial server through the communication network (1560).

According to the implementation method of the present invention, the entire financial transaction (or electronic payment) request may further include mileage accumulation request information according to the intention of the skilled person, and the present invention is not limited thereto.

FIG. 16 is a diagram illustrating an operation process of a payment server 100 and / or a financial server for a financial transaction (or electronic payment) using an IC chip-based financial IC card according to an embodiment of the present invention.

In more detail, FIG. 16 shows the full text of the financial transaction (or electronic payment) request in the payment server 100 and / or the financial server that received the full text of the financial transaction (or electronic payment) request through the same process as in FIG. 15. Financial means (or payment means) for the financial transaction (or electronic payment) based on the financial means (or payment means) information for the financial transaction (or electronic payment) and at least one financial transaction (or electronic payment) information included in the The present invention relates to a method of processing a financial transaction (or electronic settlement) corresponding to the financial transaction (or electronic settlement) information. Financial means (or payment means) for the financial transaction (or electronic payment) included in the full text of the financial transaction (or electronic payment) request in the payment server 100 and / or financial server by referring to and / or modified. A financial transaction corresponding to the financial transaction (or electronic payment) information through the financial means (or payment means) for the financial transaction (or electronic payment) based on the information and at least one financial transaction (or electronic payment) information. Various implementation methods for processing (or electronic payment) may be inferred, but the present invention includes all of the inferred implementation methods, and is not limited to the implementation method shown in FIG.

In the following figure, the IC card terminal is referred to as " terminal " for convenience, and the payment server 100 and / or financial server is referred to as " server " for convenience.

Referring to FIG. 16, a payment server 100 and / or a financial server equipped with a financial transaction (or electronic payment) processing function using an IC chip-based financial IC card according to the present invention may be provided from at least one terminal through the communication network. Periodically checking whether the full financial transaction (or electronic payment) request message is received (1600), and if the full financial transaction (or electronic payment) request message is received from a predetermined terminal (1605), the server determines the financial Read the full text of the transaction (or electronic payment) request and extract (1610) the financial means (or payment means) information for a predetermined financial transaction (or electronic payment) and at least one financial transaction (or electronic payment) information. The financial transaction (or electronic payment) information and at least one financial transaction (or electronic payment) information based on the information of the financial transaction (or electronic payment) in conjunction with the ledger D / B Processes financial transactions (or e-payment) corresponding to the financial transaction (or e-payment) information through the financial instruments for the electronic payment) (or the payment means) 1615.

If a financial transaction (or electronic payment) corresponding to the financial transaction (or electronic payment) information is processed through the financial means (or payment means) for the financial transaction (or electronic payment) (1620), the server may perform the financial Generate predetermined financial transaction (or electronic payment) history information including a transaction (or electronic payment) processing result (1625), and generate the generated financial transaction (or electronic payment) history information in the financial data of the ledger D / B. A predetermined financial transaction (or electronic payment) including the financial transaction (or electronic payment) history information is stored in connection with the account ledger corresponding to the financial means (or payment means) for transaction (or electronic payment) (1630) (1635).

Thereafter, the server determines whether to provide an integrated mileage service according to the present invention to the customer through the integrated mileage identifier (1640).

If it is confirmed that the integrated mileage service according to the present invention is not provided to the customer (1645), the server transmits the generated financial transaction (or electronic payment) message to the terminal through the communication network (1650).

On the other hand, if the check result provides the integrated mileage service according to the present invention to the customer (1645), the server extracts the customer information (or card information) and the affiliated store information, and the financial IC card functions as a server type mileage card. If it is provided, the server further generates a predetermined mileage earning information (1655).

Thereafter, the server provides the extracted customer information (or card information), merchant information, and / or the mileage accumulation information to the integrated mileage server 140 through a predetermined communication means (1660).

FIG. 17 is a diagram illustrating an integrated mileage providing process using an IC chip-based financial IC card according to an embodiment of the present invention.

In more detail, FIG. 17 shows the customer information (or card information) and merchant information, from the predetermined payment server 100 and / or the financial server to the integrated mileage server 140 through the process shown in FIG. And / or if the mileage accumulation information is provided, as an embodiment for providing an integrated mileage providing service according to the present invention through the customer information (or card information) and merchant information in the integrated mileage server 140, Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 17 to integrate the present invention through the customer information (or card information) and merchant information in the integrated mileage server 140. Various implementation methods for providing mileage services may be inferred, but the present invention includes all the inferred implementation methods, and It is not limited to the implementation method shown.

For example, in FIG. 17, the customer information (or card information) and the merchant information, and / or the mileage accumulation information received from the payment server 100 and / or the financial server are the intention of the person skilled in the art and / or the mileage system. Depending on the structure may be received from the merchant terminal, thereby the present invention is not limited.

In the following figure 17, the integrated mileage server 140 will be referred to as "server" for convenience.

Referring to FIG. 17, the server may provide the customer information (or card information) and merchant information, and / or the information for providing integrated mileage according to the present invention from the payment server 100 and / or the financial server shown in FIG. The customer information (or card information) and merchant information for receiving mileage accumulation information and / or providing integrated mileage according to the present invention from the merchant terminal in accordance with the intention of the skilled person (and / or according to the mileage system structure), and / Or the mileage accumulation information is received (1700).

If the mileage credit information is received by the server due to the server type mileage card function provided in the financial IC card (1705), the server stores the merchant information and the customer mileage point information included in the mileage credit information. The linkage process is stored in a predetermined storage medium (eg, mileage information D / B 170) (1710).

If the mileage accumulation information is not received by the server and / or the mileage accumulation information is accumulated, the server belongs to the mileage group to which the affiliate belongs through the customer information (or card information) and the affiliated store information. At least one other merchant information (eg, integrated mileage merchant information) is identified (1715).

According to an embodiment of the present invention, the server inquires the integrated mileage D / B 175 through the customer information (or card information), so that at least one affiliate store processed in association with the customer information (or card information). Check the information.

Thereafter, the server checks mileage group index information corresponding to the received affiliated store information among the affiliated store information associated with the confirmed customer information (or card information) through the received affiliated store information.

Thereafter, the server queries the integrated mileage D / B 175 (and / or mileage group D / B 180) through the identified mileage group index information, and thus the predetermined mileage group to which the received affiliated store belongs. Confirm at least one other merchant information belonging to the, and provides the identified at least one other merchant information to the coupon extraction unit 160.

If at least one unified mileage merchant information is not confirmed (1720), the server generates a predetermined unified mileage providing result including unified mileage error information (1725), and provides the unified mileage providing result at the information providing side ( For example, the payment information may be transmitted to the payment server 100 and / or the financial server or the merchant terminal that provided the customer information (or card information) and merchant information and / or the mileage accumulation information (1745).

On the other hand, if at least one integrated mileage merchant information is confirmed (1720), the server extracts predetermined coupon information corresponding to the confirmed integrated mileage merchant information, and also through the customer information (or card information) wirelessly After extracting terminal information (1730), the coupon information is transmitted to the customer wireless terminal through a wireless communication network corresponding to the customer wireless terminal information (1735).

Thereafter, the server generates a predetermined integrated mileage providing result including the integrated mileage success information (1740), and provides the integrated mileage providing result to the information providing side (eg, the customer information (or card information) and merchant information). , And / or to the payment server 100 and / or the financial server, or the merchant terminal, which provided the mileage accumulation information (1745).

18 is an operation process of a payment server 100 and / or a financial server and the IC card terminal for completing a financial transaction (or electronic payment) and integrated mileage using an IC chip-based financial IC card according to an embodiment of the present invention. Figure is a diagram.

In more detail, FIG. 18 illustrates the payment server 100 and after performing the financial transaction (or electronic payment) procedure shown in FIG. 16 and / or the integrated mileage providing procedure shown in FIG. And / or a method for completing a financial transaction (or electronic payment) and providing integrated mileage using the IC chip-based financial IC card in connection with the IC card terminal in a financial server, which is common in the art. Those skilled in the art may refer to and / or modify this drawing 18 to infer various implementation methods for completing financial transactions (or electronic payments) and providing integrated mileage using the IC chip-based financial IC card. The invention encompasses all of the inferred practice methods, and is not limited to the practice method shown in FIG.

In the following figure, the IC card terminal is referred to as " terminal " for convenience, and the payment server 100 and / or financial server is referred to as " server " for convenience.

Referring to FIG. 18, the server providing the customer information (or card information), merchant information, and / or mileage accumulation information to the integrated mileage server 140 through the process illustrated in FIG. 16 is the integrated mileage server. When the 140 performs the process shown in FIG. 17 and transmits the predetermined integrated mileage providing result through a predetermined communication means, the financial transaction (or the electronic) generated through the process shown in FIG. Payment) is included in the full text (1800), and the financial transaction (or electronic payment) full text including the financial transaction (or electronic payment) history information and the integrated mileage provision result is transmitted to the terminal through the communication network (1805). .

In addition, the terminal that transmits the full financial transaction (or electronic payment) request message to the server through the process illustrated in FIG. 15 may include at least one financial transaction corresponding to the full financial transaction (or electronic payment) request message from the server. (Or electronic payment) waits for a predetermined financial transaction (or electronic payment) full text, including historical information (and / or the result of providing the integrated mileage), to be received (1810), if a predetermined financial transaction (or electronic When the full message is received (1815), the terminal reads the full financial transaction (or electronic payment) message and displays the financial transaction (or electronic payment) history included in the full financial transaction (or electronic payment) message on the terminal screen. Output information (and / or integrated mileage providing result), and / or the financial transaction (or electronic payment) history information (and / or integrated mileage providing result) in the memory unit Stores 1810.

In addition, the terminal prints and outputs financial transaction (or electronic settlement) history information (and / or integrated mileage provision result) included in the financial transaction (or electronic settlement) full text (1825) through a printing device. Complete the financial transaction (or electronic payment) and integrated mileage providing process using the IC chip-based financial IC card according to the present invention.

19 is a diagram illustrating an operation process of an IC card terminal for a financial transaction (or electronic payment) using a ledger-based financial IC card according to an embodiment of the present invention.

In more detail, Fig. 19 illustrates the use of the ledger-based financial IC card in the IC card terminal after inserting the IC card linked to the ledger-based financial IC card according to the present invention into the IC card terminal shown in Fig. 10. As an implementation method for the process of initiating a transaction (or electronic payment), those of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawing 19 and the ledger-based finance in the IC card terminal. Various implementation methods for initiating a financial transaction (or electronic payment) using an IC card may be inferred, but the present invention includes all of the inferred implementation methods and is not limited to the implementation method shown in FIG.

For example, in FIG. 19, the operation mode checking process and the validity authentication process of the IC card terminal may be reversed, and the validity authentication process uses the biometric information according to the intention of the skilled person in addition to the validity authentication using the PIN. It may be replaced by.

In the following figure, the IC card terminal is referred to as " terminal " for convenience.

Referring to FIG. 19, a terminal equipped with a financial transaction (or electronic payment) function using a ledger-based financial IC card according to the present invention checks whether a predetermined IC card is inserted through a predetermined IC card reader (1900). If a predetermined IC card is inserted through the IC card reader (1905), the terminal outputs a predetermined operation mode selection interface screen, and the operation mode of the terminal is changed to the ledger-based finance through the operation mode selection interface screen. In operation 1910, a financial transaction (or electronic payment) mode for processing a financial transaction (or electronic payment) using an IC card is selected.

If the operation mode of the terminal is not selected as the financial transaction (or electronic payment) mode for financial transaction (or electronic payment) using the ledger-based financial IC card according to the present invention (1915), the terminal is the IC card In operation 1920, a function corresponding to the selected operation mode is performed.

On the other hand, when the operation mode of the terminal is selected as the financial transaction (or electronic payment) mode for financial transaction (or electronic payment) using the ledger-based financial IC card according to the present invention (1915), the terminal receives a predetermined PIN. Outputting a validity authentication interface screen (e.g., a screen for requesting input of a predetermined PIN) to be used, wherein a predetermined PIN is input through the validity authentication interface screen, and at least associated with a financial IC card (and / or the financial IC card); Check whether the validity of one or more financial means (or payment means) is authenticated (1925).

If the validity of the financial IC card (and / or at least one or more financial means (or payment means) associated with the financial IC card is not authenticated (1930), the terminal outputs a predetermined validity authentication error message (1935). The financial transaction (or electronic payment) procedure using the ledger-based financial IC card is terminated.

On the other hand, if the validity of the financial IC card (and / or at least one or more financial means (or payment means) associated with the financial IC card is authenticated (1930), the terminal receives predetermined IC card specific information (and And / or read the financial IC card identification information (1940), and generate a predetermined financial means (or payment means) information request text including the read IC card unique information (and / or financial IC card identification information). (1945).

Thereafter, the terminal checks whether a communication channel is connected to the payment server 100 and / or the financial server to transmit / receive the full text of the financial means (or payment means) information request through the communication network (1950).

If a communication channel capable of transmitting and receiving the financial instrument (or payment instrument) information request message is not connected between the terminal and the payment server 100 and / or the financial server (1955), the terminal connects through the communication network. The payment server 100 and / or the financial server connects a predetermined communication channel capable of transmitting and receiving the financial instrument (or payment means) information request message (1960).

On the other hand, a communication channel capable of transmitting and receiving the financial instrument (or payment instrument) information request message between the terminal and the payment server 100 and / or the financial server is pre-connected (1955), or a communication channel connection procedure is performed. When connected through the communication unit (1960), the terminal transmits the full financial means (or payment means) information request message to the payment server 100 and / or the financial server through the communication channel (1965), the payment server 100 ) And / or the financial server transmits the full financial means (or payment means) information including at least one financial means (or payment means) information to the terminal through the process as shown in FIG.

20 is a diagram illustrating an operation process of a payment server 100 and / or a financial server for a financial transaction (or electronic payment) using a ledger-based financial IC card according to an embodiment of the present invention.

In more detail, FIG. 20 illustrates the financial means (or payment means) information in the payment server 100 and / or the financial server that received the full financial means (or payment means) information request through the same process as in FIG. 19. Identify at least one or more financial means (or payment means) corresponding to the ledger-based financial IC card based on the IC card unique information (and / or financial IC card identification information) included in the request text; An embodiment of the present invention relates to a method for generating a predetermined financial means (or payment means) information text including at least one financial means (or payment means) information corresponding to and transmitting the same to the IC card terminal. Those skilled in the art may refer to and / or modify this drawing 20 to include the financial instrument (or payment instrument) information request in the ledger. Identify at least one or more financial means (or payment means) corresponding to the ledger-based financial IC card based on the IC card unique information (and / or financial IC card identification information) and at least one corresponding to the verified financial account Although various implementation methods for generating a predetermined financial instrument (or payment instrument) information text including the information on the financial instrument (or settlement instrument) and transmitting it to the IC card terminal may be inferred, the present invention may be inferred from the implementation. It includes all the methods, it is not limited to the implementation method shown in FIG.

In the following figure, the IC card terminal is referred to as " terminal " for convenience, and the payment server 100 and / or financial server is referred to as " server " for convenience.

Referring to FIG. 20, a payment server 100 and / or a financial server equipped with a financial transaction (or electronic payment) processing function using a ledger-based financial IC card according to the present invention may be provided from at least one terminal through the communication network. It is periodically checked whether a full financial means (or payment means) information request message is received (2000). If the full financial means (or payment means) information request message is received from a predetermined terminal (2005), the server determines Read the full financial instrument (or payment instrument) information request to extract predetermined IC card specific information (and / or financial IC card identification information) (2010), and extract the IC card specific information (and / or financial IC). At least one ledger matched with the IC card specific information (and / or financial IC card identification information) extracted from the ledger D / B by searching the ledger D / B based on the card identification information). Retrieve information (2015).

If at least one ledger information that matches the extracted IC card unique information (and / or financial IC card identification information) is retrieved from the ledger D / B (2020), the server determines the IC from the ledger D / B. At least one financial means (or payment means) information that matches card-specific information (and / or financial IC card identification information) (e.g., financial means (or payment means) information corresponding to a ledger-based financial IC card according to the present invention). ) (2025), generate a full financial means (or payment means) information text including the extracted at least one financial means (or payment means) information (2030), the generated financial means (or Payment means) transmits the full information to the terminal through the communication network (2035).

21 is a diagram illustrating an operation process of an IC card terminal for financial transaction (or electronic payment) processing using a ledger-based financial IC card according to an embodiment of the present invention.

In more detail, in FIG. 21, at least one or more information included in the full text of the financial means (or payment) information is received from the IC card terminal receiving the full text of the financial means (or payment means) through the same process as in FIG. 20. The present invention relates to a method of processing a financial transaction (or electronic payment) using a ledger-based financial IC card according to the present invention on the basis of financial means (or payment means) information. Grower, the ledger according to the present invention based on at least one financial means (or payment means) information contained in the full text of the financial means (or payment means) information in the IC card terminal by referring to and / or modified in this figure 21 Various implementation methods for processing a financial transaction (or electronic payment) using an underlying financial IC card may be inferred, but the present invention is inferred from the implementation method. All it included, and shall not be limited to the exemplary method shown in the figure 21.

In the following figure, the IC card terminal is referred to as " terminal " for convenience.

Referring to FIG. 21, the terminal that transmits the full financial means (or payment means) information request message to the payment server 100 and / or the financial server through the process illustrated in FIG. 19 is the payment server 100 and And / or wait for a predetermined financial means (or payment means) information text including at least one financial means (or payment means) information is received from the financial server in response to the full text of the financial means (or payment means) information request. 2100, predetermined financial means (or payment means) information including at least one financial means (or payment means) information from the payment server 100 and / or the financial server through the process shown in Figure 20 When the full text is received (2105), the terminal extracts at least one financial means (or payment means) information included in the financial instrument (or payment means) information text, and the extracted note FIG. 2110 outputs a predetermined financial means (or payment means) selection interface screen for selecting a financial means (or payment means) for a predetermined financial transaction (or electronic payment) from one or more financial means (or payment means) information (2110). In operation 2115, it is determined whether a financial means (or payment means) for a predetermined financial transaction (or electronic payment) is selected through the financial means (or payment means) selection interface screen.

If a financial means (or payment means) for a predetermined financial transaction (or electronic payment) is selected through the financial means (or payment means) selection interface screen (2120), the terminal selects the selected financial transaction (or electronic payment). Outputs a predetermined financial transaction (or electronic payment) selection interface screen for selecting a predetermined financial transaction (or electronic payment) from at least one financial transaction (or electronic payment) that can be processed in correspondence with the financial means (or payment method) In operation 2125, a predetermined financial transaction (or electronic payment) to be processed through the financial means (or payment means) for the financial transaction (or electronic payment) is selected through the financial transaction (or electronic payment) interface screen. (2130).

If a predetermined financial transaction (or electronic payment) to be processed through the financial means (or payment means) for the financial transaction (or electronic payment) is selected through the financial transaction (or electronic payment) selection interface screen (2135), The terminal inputs at least one financial transaction (or electronic payment) information corresponding to a predetermined financial transaction (or electronic payment) to be processed through the financial means (or payment means) for the financial transaction (or electronic payment). Output a financial transaction (or electronic payment) information input interface screen (2140), and through the financial transaction (or electronic payment) financial means (or payment means) through the financial transaction (or electronic payment) information input interface screen. In operation 2145, at least one financial transaction (or electronic payment) information corresponding to a predetermined financial transaction (or electronic payment) to be processed is input.

If all financial transaction (or electronic settlement) information corresponding to a predetermined financial transaction (or electronic settlement) to be processed through the financial means (or electronic settlement) for the financial transaction (or electronic settlement) is input (2150), The terminal generates a full financial transaction (or electronic payment) request message including the financial means (or payment means) information for the financial transaction (or electronic payment) and the input at least one financial transaction (or electronic payment) information ( 2155, the full financial transaction (or electronic payment) request message is transmitted to the payment server 100 and / or the financial server through the communication network (2160).

According to the implementation method of the present invention, the entire financial transaction (or electronic payment) request may further include mileage accumulation request information according to the intention of the skilled person, and the present invention is not limited thereto.

22 is a diagram illustrating an operation process of a payment server 100 and / or a financial server for financial transactions (or electronic payment) using a ledger-based financial IC card according to an embodiment of the present invention.

In more detail, FIG. 22 illustrates the full text of the financial transaction (or electronic payment) request in the payment server 100 and / or the financial server that received the full financial transaction (or electronic payment) request through the same process as in FIG. 21. Financial means (or payment means) for the financial transaction (or electronic payment) based on the financial means (or payment means) information for the financial transaction (or electronic payment) and at least one financial transaction (or electronic payment) information included in the The present invention relates to a method of processing a financial transaction (or electronic settlement) corresponding to the financial transaction (or electronic settlement) information, and a person having ordinary knowledge in the technical field to which the present invention belongs, Financial means (or payment means) for the financial transaction (or electronic payment) included in the full text of the financial transaction (or electronic payment) request in the payment server 100 and / or financial server by referring to and / or modified. A financial transaction corresponding to the financial transaction (or electronic payment) information through the financial means (or payment means) for the financial transaction (or electronic payment) based on the information and at least one financial transaction (or electronic payment) information. Or electronic payment) may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method illustrated in FIG.

In the following figure, the IC card terminal is referred to as " terminal " for convenience, and the payment server 100 and / or financial server is referred to as " server " for convenience.

Referring to FIG. 22, a payment server 100 and / or a financial server equipped with a financial transaction (or electronic payment) processing function using a ledger-based financial IC card according to the present invention may be provided from at least one terminal through the communication network. It periodically checks whether a full financial transaction (or electronic payment) request message is received (2200). If the full financial transaction (or electronic payment) request message is received from a predetermined terminal (2205), the server performs the financial transaction. (Or electronic payment) read the full text of the request to extract the financial means (or payment means) information for a predetermined financial transaction (or electronic payment) and at least one financial transaction (or electronic payment) information (2210), the extracted The financial transaction (or electronic payment) information and at least one financial transaction (or electronic payment) information on the basis of the financial transaction (or electronic payment) information in conjunction with the ledger D / B Processes financial transactions (or e-payment) corresponding to the financial transaction (or e-payment) information through the financial instruments for the electronic payment) (or the payment means) (2215).

If a financial transaction (or electronic payment) corresponding to the financial transaction (or electronic payment) information is processed through the financial means (or payment means) for the financial transaction (or electronic payment) (2220), the server is the financial Generate (2225) predetermined financial transaction (or electronic payment) history information including the transaction (or electronic payment) processing result; and generate the generated financial transaction (or electronic payment) history information in the financial data of the ledger D / B. A predetermined financial transaction (or electronic settlement) including the financial transaction (or electronic settlement) history information is stored and linked to the account ledger corresponding to the financial means (or payment means) for transaction (or electronic settlement) (2230). First, create a full text (2235).

Thereafter, the server determines whether to provide an integrated mileage service according to the present invention to the customer through the integrated mileage identifier (2240).

If it is confirmed that the integrated mileage service according to the present invention is not provided to the customer (2245), the server transmits the generated financial transaction (or electronic payment) message to the terminal through the communication network (2250).

On the other hand, if the check result provides the integrated mileage service according to the present invention to the customer (2245), the server extracts the customer information (or card information) and the affiliated store information, and the financial IC card functions as a server type mileage card. If it is provided, the server further generates a predetermined mileage earning information (2255).

Thereafter, the server provides the extracted customer information (or card information), merchant information, and / or the mileage accumulation information to the integrated mileage server 140 through a predetermined communication means (2260).

23 is a diagram illustrating a process of providing integrated mileage using a ledger-based financial IC card according to an embodiment of the present invention.

More specifically, FIG. 23 shows the customer information (or card information) and merchant information, from the predetermined payment server 100 and / or the financial server to the integrated mileage server 140 through the process shown in FIG. And / or if the mileage accumulation information is provided, as an embodiment for providing an integrated mileage providing service according to the present invention through the customer information (or card information) and merchant information in the integrated mileage server 140, Those skilled in the art to which the invention pertains may refer to and / or modify this drawing 23 to integrate the present invention through the customer information (or card information) and merchant information in the integrated mileage server 140. Various implementation methods for providing mileage services may be inferred, but the present invention includes all the inferred implementation methods, and It is not limited to the implementation method shown.

For example, in FIG. 23, the customer information (or card information) and merchant information, and / or the mileage accumulation information received from the payment server 100 and / or the financial server are the intention of the person skilled in the art and / or the mileage system structure. In accordance with the present invention may be received from the merchant terminal, thereby the present invention is not limited.

In the following figure, the integrated mileage server 140 will be referred to as a "server" for convenience.

Referring to FIG. 23, the server may include the customer information (or card information) and merchant information, and / or the above for providing integrated mileage according to the present invention from the payment server 100 and / or the financial server shown in FIG. The customer information (or card information) and merchant information for receiving mileage accumulation information and / or providing integrated mileage according to the present invention from the merchant terminal in accordance with the intention of the skilled person (and / or according to the mileage system structure), and / Or the mileage accumulation information is received (2300).

If the mileage credit information is received by the server due to the server type mileage card function provided in the financial IC card (2305), the server stores the merchant information and the customer mileage point information included in the mileage credit information. The linkage process is stored in a predetermined storage medium (eg, mileage information D / B 170) (2310).

If the mileage accumulation information is not received by the server and / or the mileage accumulation information is accumulated, the server belongs to the mileage group to which the affiliate belongs through the customer information (or card information) and the affiliated store information. At least one other merchant information (eg, integrated mileage merchant information) is identified (2315).

According to an embodiment of the present invention, the server inquires the integrated mileage D / B 175 through the customer information (or card information), so that at least one affiliate store processed in association with the customer information (or card information). Check the information.

Thereafter, the server checks mileage group index information corresponding to the received affiliated store information among the affiliated store information associated with the confirmed customer information (or card information) through the received affiliated store information.

Thereafter, the server queries the integrated mileage D / B 175 (and / or mileage group D / B 180) through the identified mileage group index information, and thus the predetermined mileage group to which the received affiliated store belongs. Confirm at least one other merchant information belonging to the, and provides the identified at least one other merchant information to the coupon extraction unit 160.

If at least one unified mileage merchant information is not confirmed (2320), the server generates a predetermined unified mileage providing result including unified mileage error information (2325), and provides the unified mileage providing result at the information providing side ( For example, the payment server 100 transmits the customer information (or card information) and merchant information, and / or the payment server 100 and / or the financial server or the merchant terminal that provided the mileage accumulation information (2345).

On the other hand, if at least one integrated mileage merchant information is confirmed (2320), the server extracts predetermined coupon information corresponding to the confirmed integrated mileage merchant information, and also the customer wireless information through the customer information (or card information) After extracting terminal information (2330), the coupon information is transmitted to the customer wireless terminal through a wireless communication network corresponding to the customer wireless terminal information (2335).

Thereafter, the server generates a predetermined integrated mileage providing result including the integrated mileage success information (2340), and provides the integrated mileage providing result to the information providing side (eg, the customer information (or card information) and merchant information). , And / or to the payment server 100 and / or the financial server, or the merchant terminal, which provided the mileage accumulation information (2345).

24 is a flowchart illustrating an operation process of a payment server 100 and / or a financial server and the IC card terminal for completing a financial transaction (or electronic payment) and integrated mileage using a ledger-based financial IC card according to an embodiment of the present invention. Figure is shown.

In more detail, FIG. 24 illustrates the payment server 100 and after performing the financial transaction (or electronic payment) procedure shown in FIG. 22 and / or the integrated mileage providing procedure shown in FIG. And / or a method for executing a financial transaction (or electronic payment) and providing integrated mileage using the ledger-based financial IC card in connection with the IC card terminal in a financial server, which is common in the art. Those skilled in the art will be able to infer various implementation methods for completing financial transactions (or electronic payments) and providing integrated mileage using the ledger-based financial IC card by referring to and / or modifying this drawing 24. Includes all the inferred implementation methods, and is not limited to the implementation method illustrated in FIG.

In the following figure, the IC card terminal is referred to as " terminal " for convenience, and the payment server 100 and / or financial server is referred to as " server " for convenience.

Referring to FIG. 24, the server providing the customer information (or card information), merchant information, and / or mileage accumulation information to the integrated mileage server 140 through the process illustrated in FIG. 22 is the integrated mileage server. When the 140 performs the process shown in FIG. 23 and transmits a predetermined integrated mileage providing result through a predetermined communication means, the financial transaction (or the electronic) generated through the process shown in FIG. 22 is received. Payment) and includes the full text of the financial transaction (or electronic payment) including the financial transaction (or electronic payment) history information and the integrated mileage providing result to the terminal through the communication network (2405). .

In addition, the terminal that transmits the full financial transaction (or electronic payment) request message to the server through the process illustrated in FIG. 21 may include at least one financing in response to the full financial transaction (or electronic payment) request message from the server. Waiting for a predetermined financial transaction (or electronic payment) full text, including transaction (or electronic payment) history information (and / or consolidation mileage results), to be received (2410), if a predetermined financial transaction (or When the electronic payment) message is received (2415), the terminal reads the financial transaction (or electronic payment) message and the financial transaction (or electronic payment) included in the financial transaction (or electronic payment) message on the terminal screen. Output historical information (and / or integrated mileage provision result), and / or the financial transaction (or electronic payment) historical information (and / or integrated mileage provision result) in the memory unit Store (2410).

In addition, the terminal prints and outputs financial transaction (or electronic settlement) history information (and / or integrated mileage provision result) included in the financial transaction (or electronic settlement) full text through a printing device (2425). Complete the financial transaction (or electronic payment) and integrated mileage providing process using the ledger-based financial IC card according to the present invention.

According to the present invention, by providing an integrated mileage function that can be used by at least one or more merchants in a financial IC card that a customer must have in preference to other cards, the customer simultaneously provides financial services and mileage services with one financial IC card. There is an advantage in receiving, the merchant providing the mileage service to the customer has the advantage that does not need to build a separate mileage management system.

Claims (7)

Customer-owned IC card information—IC chip serial number, key value (or hash code) provided on the IC chip, payment means (or financial means) identifier provided on the IC chip, and payment (or finance) through the IC card. A storage medium in association with and storing an integrated mileage identifier for confirming and identifying the integrated mileage provided to each customer at each affiliate store in response to the transaction; A database for storing a plurality of affiliated store information set to integrate and provide mileage points to the customer in response to a payment (or financial transaction) through the IC card and mileage point information to be provided to each customer at each affiliated store ( One); Information receiving means for receiving the IC card information and the merchant information upon payment (or financial transaction) using the IC card at one of a plurality of merchants subject to payment (or financial transaction); Checking the integrated mileage identifier associated with the IC card information in connection with the storage medium (or storage medium operating means), and when checking the integrated mileage identifier, payment corresponding to the affiliated store information in connection with the database (1) Check whether the merchant targeted for payment (or financial transaction) is a mileage provision target merchant, and when confirming the mileage provision target merchant, confirms mileage point information provided to the customer by the merchant, and the confirmed mileage point is provided to the customer Information processing system comprising a; mileage processing means for processing as possible. A plurality of affiliated stores configured to provide mileage points to be provided at each affiliated store on behalf of the affiliated store in response to payment (or financial transaction) through a customer-owned IC card at a plurality of affiliated stores, and at each affiliated store. A database (1) for storing mileage point information to be provided to the customer in association; At the time of payment settlement (or financial transaction) using the IC card at one of a plurality of affiliated payment target merchants, the IC card information-IC chip serial number and key value provided in the IC chip (or Hash code), payment means (or financial means) identifier provided in the IC chip, and information receiving means for receiving merchant information; Read the IC card information to confirm whether or not to provide mileage to the customer on behalf of the merchant targeted for payment (or financial transaction), and when confirming the mileage provided, corresponding to the merchant information in connection with the database (1) Check whether the merchant targeted for payment (or financial transaction) is a mileage-provided merchant, and when confirming the mileage-provided merchant, the mileage point information provided to the customer by the merchant, and the confirmed mileage point is provided to the customer. And mileage processing means for processing to be provided. The method according to claim 1 or 2, A database for storing a plurality of affiliated store information configured to integrate and provide mileage points to the customer in response to a payment (or a financial transaction) through the IC card and mileage group index information corresponding to the plurality of affiliated stores (2) ); A database (3) for storing coupon information to be provided to the customer among the plurality of affiliate stores belonging to the mileage group index and coupon information to be provided to the customer at the coupon providing target merchant; Check the mileage group index information corresponding to the mileage group belonging to the payment target (or financial transaction) affiliate store affiliated with the database (2), and when checking the mileage group index information, a plurality of affiliated stores belonging to the mileage group index Merchant check means for confirming the coupon providing target merchant information to provide a coupon to the customer; Coupon extracting means for extracting coupon information to be provided to the customer at the coupon providing target affiliate in association with the database (3); And And a coupon transmitting means for checking the communication means of the customer and transmitting the coupon information to the customer communication means. The method according to claim 1 or 2, wherein the affiliated store, Payment merchants that process payments through the payment means provided by the IC card-credit card, or debit card, or debit card, or prepaid card; And at least one financial automated device (or a financial automated device operating point) for processing a financial transaction through a financial means-a cash card, or an electronic bank account included in the IC card. Customer-owned IC card information—IC chip serial number, key value (or hash code) provided on the IC chip, payment means (or financial means) identifier provided on the IC chip, and payment (or finance) through the IC card. Linking and storing an integrated mileage identifier for identifying and identifying the integrated mileage provided to each customer at each affiliate store in response to the transaction; Receiving the IC card information and the merchant information at the time of payment settlement (or financial transaction) using the IC card at any one of a plurality of merchants subject to payment (or financial transaction); Checking the integrated mileage identifier associated with the IC card information in connection with the storage medium (or storage medium operating means), and in response to payment settlement (or financial transaction) through the IC card when the integrated mileage identifier is confirmed Payment settlement corresponding to the affiliated store information in association with a plurality of affiliated store information set to integrate and provide mileage points to the customer and a database 1 for storing and storing mileage point information to be provided to the customer at each affiliated store. (Or financial transaction) confirm whether the target merchant is a mileage provision target merchant, and when confirming the mileage provision target merchant, confirm mileage point information provided to the customer by the merchant, and the confirmed mileage point is provided to the customer Characterized in that it comprises a; Information processing method to assume. At the time of payment settlement (or financial transaction) using the IC card at one of a plurality of affiliated payment target merchants, the IC card information-IC chip serial number and key value provided in the IC chip (or Hash code), payment means (or financial means) identifier provided in the IC chip, and information receiving means for receiving merchant information; The IC card information is read to confirm whether the mileage is provided to the customer on behalf of the merchant to which the payment is made (or financial transaction), and when the mileage is provided, the payment is made through the customer-owned IC card at the plurality of merchants (or Corresponding to a plurality of merchants configured to integrate and provide mileage points to be provided by the respective merchants on behalf of the affiliated stores, and the mileage point information to be provided to the customers by the affiliated stores in association with the financial transaction. In connection with (1), check whether the merchant targeted for payment (or financial transaction) corresponding to the merchant information is a mileage provision target merchant, and the mileage point provided to the customer by the merchant when the mileage provision target merchant is checked. Check the information, the confirmed mileage points Processing the information to be provided to the customer. A computer-readable recording medium having recorded thereon a program for executing the method of claim 5 or 6.

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