KR20080022853A - Terminal for processing exchange money sending and program recording medium - Google Patents

Abstract

A terminal for processing foreign currency remittance and a program recording medium thereof are provided to enable a customer to process foreign currency remittance conveniently without inputting foreign currency remittance information by reading the foreign currency remittance information from a dedicated IC card storing the foreign currency remittance information of the customer with an IC card reader. A screen output part(215) outputs a financial transaction selection menu. An information processor(265) checks whether a customer IC card stores foreign currency remittance information including a foreign currency remittance class, a foreign currency code, remittance amount, fee payer information, a local/country code, a bank number/name, a sender bank address/name, receiver information, a receiver account number, a receiver and sender address/phone number/name, and/or a memo when a foreign currency remittance menu is selected, and automatically inputs the foreign currency remittance information read from the IC card to the remittance interface. A message generator(270) generates a foreign currency remittance request message by using the information inputted to the interface. A communicator(230) transmits the message to a financial server.

Description

Terminal for Processing Exchange Money Sending and Program Recording Medium}

 1 is a diagram illustrating a financial terminal based foreign exchange remittance financial transaction system according to an embodiment of the present invention.

 2 is a diagram showing the functional configuration of the financial terminal 100 for foreign exchange remittance financial transaction processing using the foreign exchange remittance transaction information read from the foreign exchange remittance dedicated IC card according to the embodiment of the present invention.

 3 is a view showing the functional configuration of the IC card dedicated to foreign exchange transfers according to an embodiment of the present invention.

 4 is a diagram showing the file structure of a forex remittance dedicated IC card for storing information for remittance processing IC card according to an embodiment of the present invention.

 5 is a view showing a preferred structure of the element file included in the IC card storage information for foreign currency transfer processing according to an embodiment of the present invention.

 6A and 6B are diagrams illustrating a method for operating a foreign exchange remittance financial transaction of the financial terminal 100 through a foreign exchange remittance dedicated IC card according to one embodiment of the present invention.

 7A and 7B are diagrams illustrating a method of operating a foreign exchange remittance financial transaction of the financial terminal 100 through a foreign exchange remittance dedicated IC card according to another exemplary embodiment of the present invention.

 8 is a diagram illustrating a card issuing system for issuing an IC card dedicated to foreign exchange remittances according to an embodiment of the present invention.

 9 is a diagram illustrating a card issuing process for issuing an IC card exclusively for foreign currency transfer according to an embodiment of the present invention.

 FIG. 10 is a diagram illustrating a card issuing system for issuing an IC card exclusively for foreign currency transfer according to another embodiment of the present invention.

 11 is a diagram illustrating a card issuing process for issuing an IC card exclusively for foreign currency transfer according to another embodiment of the present invention.

 FIG. 12 is a diagram illustrating a card update system for adding / updating IC card storage information for foreign exchange remittance processing of an IC card dedicated to foreign exchange remittance according to an embodiment of the present invention.

 FIG. 13 is a view showing a card update process for adding / updating IC card storage information for foreign exchange remittance processing of an IC card exclusively for foreign exchange transfer according to an embodiment of the present invention.

 FIG. 14 is a diagram illustrating a card update system for adding / updating IC card storage information for foreign exchange remittance processing of an IC card exclusively for foreign exchange according to another embodiment of the present invention.

 FIG. 15 is a diagram illustrating a card update process for adding / updating IC card storage information for foreign exchange remittance processing of an IC card exclusively for foreign exchange according to another embodiment of the present invention.

<Description of main parts of drawing>

100: financial terminal 205: control unit

210: card reader 215: screen output

220: key input unit 230: communication unit

255: mode confirmation unit 260: validity authentication unit

265: information processing unit 270: professional generation unit

275: professional processing unit

The present invention provides a screen output unit for outputting a financial transaction selection menu; When the customer selects the foreign currency remittance menu from the financial transaction selection menu through a predetermined key input unit, the foreign exchange remittance transaction information-foreign remittance classification data, currency code data, remittance amount data, and fee bearer information on the customer IC card. Data, area code data, country code data, bank number data, deposit bank name data, deposit bank address data, deposit bank name data, payee data, payee account number data, payee address data, Check whether the foreign currency remittance transaction information including at least one payee telephone number data, the remitter name data, the remitter address data, the remitter telephone number data, and the forwarding data is provided; When the foreign currency remittance transaction information is provided in the customer IC card, stored in the customer IC card through a predetermined card reader unit. An information processing unit which automatically reads the foreign exchange remittance transaction information and automatically inputs the read foreign exchange remittance transaction information to an interface for a foreign exchange remittance transaction; Through the key input unit, correction of foreign exchange transaction information automatically input to the interface and / or manual input of some information is performed, and when the customer confirmation process is completed, a predetermined foreign exchange transaction request is made using the information input to the interface. A full text generation unit for generating a full text; And a communication unit configured to transmit the generated foreign exchange remittance transaction request message to a financial server, and a foreign exchange remittance processing terminal device and a program recording medium.

Foreign exchange remittance financial transactions that remit a certain amount of money from a domestic bank to a given foreign bank require much more information than other types of domestic financial transactions.

For example, in the same conditions, foreign exchange remittance financial transactions are subject to a certain remittance category (e.g., women, overseas) International student, overseas system, etc.), currency code, remittance amount, fee bearer, area code, country code, bank number, bank name, bank name, bank address, bank name, payee, payee account number, payee address, payee phone number It includes the name of the sender, the sender's address, the sender's phone number, and the contents of the transfer.

As described above, since much information needs to be input for forex remittance financial transactions, forex remittance financial transactions include a problem that takes a long time to process.

In addition, when the input of the foreign currency remittance transaction information is input or a typo occurs in the foreign exchange remittance transaction information, the foreign exchange remittance transaction is linked with a foreign financial system having a different working time. It is difficult to modify the remittance transaction information.

An object of the present invention for solving the above problems, the screen output unit for outputting a financial transaction selection menu; When the customer selects the foreign currency remittance menu from the financial transaction selection menu through a predetermined key input unit, the foreign exchange remittance transaction information-foreign remittance classification data, currency code data, remittance amount data, and fee bearer information on the customer IC card. Data, area code data, country code data, bank number data, deposit bank name data, deposit bank address data, deposit bank name data, payee data, payee account number data, payee address data, Check whether the foreign currency remittance transaction information including at least one payee telephone number data, the remitter name data, the remitter address data, the remitter telephone number data, and the forwarding data is provided; When the foreign currency remittance transaction information is provided in the customer IC card, stored in the customer IC card through a predetermined card reader unit. An information processing unit which automatically reads the foreign exchange remittance transaction information and automatically inputs the read foreign exchange remittance transaction information to an interface for a foreign exchange remittance transaction; Through the key input unit, correction of foreign exchange transaction information automatically input to the interface and / or manual input of some information is performed, and when the customer confirmation process is completed, a predetermined foreign exchange transaction request is made using the information input to the interface. A full text generation unit for generating a full text; And a communication unit configured to transmit the generated foreign exchange remittance transaction request message to a financial server, and a foreign exchange remittance processing terminal device and a program recording medium.

In the present invention, the foreign exchange remittance processing terminal device screen output unit for outputting a financial transaction selection menu; When the customer selects the foreign currency remittance menu from the financial transaction selection menu through a predetermined key input unit, the foreign exchange remittance transaction information-foreign remittance classification data, currency code data, remittance amount data, and fee bearer information on the customer IC card. Data, area code data, country code data, bank number data, deposit bank name data, deposit bank address data, deposit bank name data, payee data, payee account number data, payee address data, Check whether the foreign currency remittance transaction information including at least one payee telephone number data, the remitter name data, the remitter address data, the remitter telephone number data, and the forwarding data is provided; When the foreign currency remittance transaction information is provided in the customer IC card, stored in the customer IC card through a predetermined card reader unit. An information processing unit which automatically reads the foreign exchange remittance transaction information and automatically inputs the read foreign exchange remittance transaction information to an interface for a foreign exchange remittance transaction; Through the key input unit, correction of foreign exchange transaction information automatically input to the interface and / or manual input of some information is performed, and when the customer confirmation process is completed, a predetermined foreign exchange transaction request is made using the information input to the interface. A full text generation unit for generating a full text; And a communication unit for transmitting the generated foreign currency remittance transaction request message to a financial server.

In the present invention, the foreign exchange remittance processing terminal outputs a financial transaction selection menu, and when a customer selects the foreign currency remittance menu of the financial transaction selection menu through a predetermined key input unit, the predetermined foreign currency remittance transaction information input method selection menu-manual input A screen output unit for outputting a selection menu such as a method or an automatic input method using forex remittance transaction information stored in a customer IC card; When the customer selects an automatic input method using the foreign currency remittance transaction information stored in the customer IC card through the predetermined key input unit, the predetermined foreign exchange remittance transaction information-foreign remittance classification data and currency in the customer IC card through the predetermined card reader unit Code data, remittance amount data, fee bearer information data, area code data, country code data, bank number data, deposit bank name data, deposit bank address data, deposit bank store name data, payee data And foreign currency remittance transaction information including at least one payee account number data, a payee address data, a payee phone number data, a remitter name data, a remitter address data, a remitter phone number data, and delivery data; After reading the information, the remittance of the foreign exchange remittance transaction information automatically input to the interface for foreign exchange remittance transaction Key information processing unit; Through the key input unit, correction of foreign exchange transaction information automatically input to the interface and / or manual input of some information is made, and when the customer confirmation process is finished, a predetermined foreign exchange transaction request is made using the information input to the interface. A full text generation unit for generating a full text; And a communication unit for transmitting the generated foreign currency remittance transaction request message to a financial server.

According to an embodiment of the present invention, the foreign exchange remittance processing terminal device preferably comprises at least one CD / ATM and KIOSK.

According to the present invention, the recording medium provided in the foreign exchange remittance processing terminal device records a program for executing a function of the terminal device component.

According to the present invention, foreign exchange remittance transaction information stored in the customer IC card-foreign currency remittance classification data, currency code data, remittance amount data, fee bearer information data, area code data, country code data, bank number data Bank name data, bank address data, bank name data, payee data, payee account number data, payee address data, payee phone number data, sender name data, sender address data, Reading forex remittance transaction information including at least one remitter's telephone number data and delivery contents data; A function of generating a predetermined forex remittance transaction request text using the read forex remittance transaction information; And a function of transmitting the generated foreign exchange remittance transaction request message to the financial server.

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 made based on the contents throughout the present invention.

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 omitted as described above The relationship between the components 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.

Hereinafter, in an embodiment, an IC card having IC card storage information for processing a foreign currency remittance including at least one foreign exchange remittance transaction information is referred to as an "external remittance dedicated IC card" for convenience, wherein the foreign currency remittance dedicated IC card is issued a card. In the process, the IC card having the IC card storage information for processing the foreign currency remittance including the at least one foreign exchange remittance transaction information, or the foreign currency remittance including at least one foreign exchange remittance transaction information in a predetermined IC card previously issued to the customer It includes all the IC cards provided with the processing IC card storage information, whereby the present invention is not limited.

1 is a diagram illustrating a financial terminal (based foreign exchange remittance financial transaction system according to an embodiment of the present invention).

More specifically, Figure 1 relates to an embodiment of a financial terminal 100 based forex remittance financial transaction system using a predetermined forex remittance dedicated IC card according to the present invention, it is common knowledge in the art If the person having the present invention will be able to infer various implementation methods for the financial terminal 100 based foreign exchange remittance financial transaction system using the IC card dedicated to the foreign currency remittance by referring to and / or modifying the present invention. It includes all the implementation methods that are, and is not limited to the implementation method shown in FIG.

A financial institution including at least one bank is provided with a predetermined financial system for providing at least one financial transaction (eg, credit, receiving, foreign exchange, financial investment, etc.) services to at least one financial transaction customer. do.

According to the present invention, the financial system provided in the financial institution includes at least one financial terminal 100 including a Cash Dispenser / Automatic Teller Machine (CD / ATM) provided at at least one branch (and / or branch); And / or at least one or more financial terminals 100 provided in at least one or more other financial institutions (and / or other financial institution branches) affiliated with the financial institution, and / or at least one or more financing provided in a public place. Characterized in that the terminal 100 is connected through a predetermined financial network (for example, CD common network), through the financial terminal 100 provides a non-face-to-face financial transaction service to at least one financial transaction customer do.

Here, a preferred embodiment of the financial terminal 100 for processing the financial terminal 100 based foreign exchange remittance financial transactions according to the present invention will be described in detail with reference to FIG.

According to another exemplary embodiment of the present invention, the financial system may include at least one window terminal and a predetermined financial network 200 (eg, provided in branches (and / or branches) of the financial institution other than the financial terminal 100). It is preferable to be connected through a conduit network, and provides a face-to-face financial transaction service to at least one financial transaction customer through the counter terminal.

In addition, the financial system may be linked to an Internet banking server for a predetermined non-face-to-face financial transaction, and a network (eg, wired Internet, and / or IEEE 802.11) connected to a TCP / IP-based backbone network through the Internet banking server. at least one client terminal (e.g., a Personal Computer (PC) and / or laptop equipped with the wired Internet access and browsing function) connected to an x-based wireless LAN, and / or an IEEE 802.16x-based portable Internet, A non-face-to-face financial transaction service is provided to at least one or more financial transaction customers through a wireless LAN / portable Internet connection and a browsing function.

In addition, the financial system may be linked to a wireless banking server for a predetermined non-face-to-face financial transaction, a predetermined wireless network (eg, a code division multiple access (CDMA) based mobile communication network, and through the wireless banking server), And / or at least one wireless terminal (e.g., a personal communication system (PCS) having a connection and browsing function to the mobile communication network) connected to the IEEE 802.16x-based portable Internet and / or a DataTAC / Mobitex-based wireless data communication network; And / or face-to-face with at least one financial transaction customer via a Global System for Mobile (GSM) terminal and / or a Personal Digital Assistant (PDA) and / or a Smart Phone and / or Telematics). Provide financial transaction services.

In addition, the financial system may be linked to an IC chip-based wireless banking server for a predetermined non-face-to-face financial transaction, and a predetermined wireless network (eg, code division multiple access (CDMA)) is provided through the IC chip-based wireless banking server. At least one wireless terminal (e.g., a wireless terminal equipped with a financial IC chip) connected to a mobile communication network based on a mobile communication network, and / or an IEEE 802.16x based mobile Internet, and / or a DataTAC / Mobitex based wireless data communication network. Provide IC chip-based non-face-to-face financial transaction service to one or more financial transaction customers.

In addition, the financial system may be associated with a telebanking server for a predetermined non-face-to-face financial transaction, and a predetermined wired voice telephone network (eg, a public switched telephone network (PSTN)) through the telebanking server. At least one wired call terminal (e.g., a telephone) connected to the network, and / or at least one wireless call terminal (e.g., PCS) connected to a predetermined wireless voice communication network (e.g., a code division multiple access (CDMA) based mobile communication network). And / or provide a non-face-to-face financial transaction service to at least one financial transaction customer through a GSM terminal and / or a smart phone.

In addition, the financial system may be linked with a home banking server for a predetermined non-face-to-face financial transaction, and at least one or more home appliances (eg, digital TVs connected to a home network) connected to a predetermined home network through the home banking server. And / or a non-face-to-face financial transaction service to at least one financial transaction customer through a refrigerator or the like.

In addition, the financial system may be linked to a TV banking server for a predetermined non-face-to-face financial transaction, and at least one digital TV (eg, bidirectional digital) connected to a predetermined return channel through the TV banking server. TV, satellite DMB terminal, terrestrial DMB terminal, etc.) provides non-face-to-face financial transaction services to at least one financial transaction customer.

Referring to FIG. 1, the financial system is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. At least one branch (or teller) in which accounts or transactions occur such as credit or reception or trust or foreign exchange, accounting for processing of headquarters operations and branch information support and customer information management; Interconnection between the system and at least one other financial system (and / or payment system), and / or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based) Wireless banking, telebanking, TV banking, etc.) to access the financial system, and And / or an external system that provides various financial transaction interfaces through at least one financial network 200 (eg, CD common network, financial common network, international financial network 200). The financial system includes an interface module corresponding to a middleware platform that provides interfacing between components in the financial system, and predetermined information (eg, ledger information, And / or a DBMS (DataBase Management System) including at least one database for storing and managing customer information, and / or management information, etc.).

In addition, the financial system is based on the intention of those skilled in the art and / or the type of each financial institution (for example, commercial banks, savings banks, trust banks) equipped with the financial system and the purpose and characteristics of the financial system, At least one or more components such as investment finance (not shown) and international (not shown) may be further included, and a person having ordinary knowledge in the technical field to which the present invention belongs may be included in the financial system. Since it will be familiar with the technical details, the detailed description thereof will be omitted for convenience, whereby the present invention is not limited.

Referring to FIG. 1 according to an embodiment of the present invention, the DBMS provided in the financial system may include at least one financial account opened by the financial institution to at least one financial transaction customer, and based on the financial account. And a ledger D / B for storing at least one ledger for providing the financial transaction service, wherein the ledger D / B includes at least one financial transaction to be provided to the financial transaction customer by the financial institution. At least one or more ledger information (eg, customer ledger, receiving ledger, collateral ledger, etc.) for processing, and at least one or more corresponding to each ledger information (eg, to further refine and / or supplement the attributes / functions of each ledger) Ledger additional information is characterized in that the relationship is stored in relation to (Relationship).

Those skilled in the art to which the present invention pertains correspond to at least one ledger information provided in the ledger D / B and each ledger information according to the type of each financial institution and the purpose and characteristic of the financial system. In addition to being familiar with at least one ledger additional information, each ledger information is linked and stored in a relational relation, and / or predetermined ledger information and at least one ledger additional information is stored in a relational relation Since it will be understood that the detailed description thereof will be omitted for convenience.

Referring to Figure 1 according to the embodiment of the present invention, the external system provided in the financial system is characterized in that it comprises a foreign exchange processing unit for processing the foreign exchange remittance financial transactions through a predetermined international financial network 200, According to another exemplary embodiment of the present invention, the financial system may be provided with a separate foreign exchange system (not shown) for processing the foreign exchange remittance financial transaction, and the present invention is not limited thereto.

Those skilled in the art to which the present invention pertains, according to the present invention through a foreign exchange processing unit provided in the external world on the financial system, and / or a separate foreign exchange system (not shown) provided in the financial system Since you will be familiar with the detailed technical features of handling F / X financial transactions, the detailed description thereof will be omitted for convenience.

2 is a diagram showing the functional configuration of the financial terminal 100 for foreign exchange remittance financial transaction processing using the foreign exchange remittance transaction information read from the foreign exchange remittance dedicated IC card according to the embodiment of the present invention.

More specifically, Figure 2 shows a cash dispenser (CD) and / or an automatic teller machine (ATM) provided at a given financial institution (e.g., a commercial bank branch) and / or public. In the unmanned financial terminal (100), for processing a predetermined foreign exchange remittance financial transaction using an IC card dedicated to the foreign currency remittance processing IC card storage information for the automatic input of the foreign exchange remittance transaction information according to the present invention As shown in the preferred functional configuration of the financial terminal 100, those skilled in the art to which the present invention belongs, the reference to and / or modifying the Figure 2 read from the foreign exchange remittance dedicated IC card according to the present invention It will be possible to infer various implementation methods for the financial terminal 100 for processing the foreign exchange remittance financial transaction using the foreign exchange remittance transaction information, but the present invention is inferred Includes all implementation methods and is not limited by the implementation method shown in FIG.

Referring to FIG. 2, the financial terminal 100 recognizes a predetermined financial IC card and reads predetermined financial means information from the financial IC card, and through the financial terminal 100. A screen output unit 215 for outputting at least one financial transaction interface corresponding to at least one financial transaction step provided; a key input unit 220 for receiving predetermined financial transaction information according to the financial transaction step; A communication unit 230 which communicates with the financial system through the financial network 200, at least one financial transaction processing information for predetermined financial transaction processing using the financial means information, and predetermined financial after the financial transaction processing. Memory unit 252 for storing transaction history information, and if the financial transaction is a cash withdrawal financial transaction, cash payment to pay a predetermined cash according to the cash withdrawal financial transaction Control unit for controlling the power supply unit 225 for supplying power to the unit 240 and the financial terminal 100 and at least one terminal function unit 235 and each of the functional components provided in the financial terminal 100 ( 205).

According to the present invention, the card reader unit 210 recognizes a predetermined forex transfer dedicated IC card for the forex transfer transaction using the forex transfer transaction information read from a predetermined forex transfer dedicated IC card. Characterized in that it reads the predetermined foreign exchange remittance transaction information from the IC card, the screen output unit 215 is at least one foreign exchange corresponding to the at least one foreign exchange remittance financial transaction step provided through the financial terminal 100 Characterized in that the output interface, the key input unit 220 is to receive at least one or more key input information to be input through at least one or more user interface included in the foreign exchange remittance interface according to the foreign exchange remittance financial transaction step Characterized in that, the communication unit 230 is a predetermined gold for the foreign exchange remittance financial transaction Characterized in that it communicates with the financial system through the network 200, the memory unit 252 is at least one foreign exchange remittance financial transaction processing information for processing a predetermined foreign exchange remittance financial transaction using the foreign exchange remittance transaction information And, after the processing of the foreign exchange remittance financial transaction characterized in that for storing the predetermined foreign exchange remittance financial transaction details information, the control unit 205 is a foreign exchange remittance financial transaction using the foreign exchange remittance transaction information read from the IC card dedicated to the foreign exchange remittance It is characterized in that for controlling each function component provided in the financial terminal 100.

The control unit 205 controls the overall operation of the financial terminal 100 in the functional configuration, manages the flow of information or data between each component, the foreign exchange remittance transaction information read from the IC card dedicated to the foreign exchange transfer according to the present invention It characterized in that for controlling at least one or more components provided in the financial terminal 100 for a forex remittance financial transaction based on the hardware, and includes a hardware (Central Processing Unit) / MPU (Micro Processing Unit) And at least one processor, an execution memory (for example, a register), a bus for inputting and outputting predetermined data, and at least one electronic circuit (or an integrated circuit) therefor. From the predetermined recording medium provided in the financial terminal 100 to the execution memory to perform a specific function Loading and predetermined program routines (Routine) and / or program data that is arithmetic processing by the processor is characterized in that it comprises a. In particular, the control unit 205 includes a predetermined operating system and / or a terminal control program routine for managing the financial terminal 100 after the financial terminal 100 is booted in software. 2 is a diagram for convenience of the at least one program component provided in the financial terminal 100 for a foreign exchange remittance financial transaction based on the foreign exchange remittance transaction information read from the foreign exchange remittance dedicated IC card according to the present invention. It demonstrates by showing in 205. FIG.

The card reader unit 210 provides an interface between the card and the financial terminal 100 to read at least one or more foreign exchange remittance transaction information provided on the card for at least one foreign exchange remittance financial transaction. For interfacing with the financial terminal 100 a contact IC (Integrated Circuit) card based on the ISO / IEC 7816 standard for the processing of foreign exchange remittance financial transactions based on the information of foreign exchange remittances read from the IC card dedicated to the foreign exchange remittance. A contact IC reader unit and / or a contactless IC reader unit for interfacing an IC card dedicated to contactless foreign exchange remittance based on the ISO / IEC 14443 standard with the financial terminal 100, the contact IC reader unit and / or contactless IC The reader unit preferably corresponds to the IC card reader provided in the financial terminal 100.

The contact IC reader unit is a card reader unit 210 based on ISO / IEC 7816. At least one or more electrical contact forms a contact with a chip on board (COB) provided in a contact IC card. It is made including a contact point, the power supply to the IC chip of the IC card dedicated to the foreign currency transfer through the contact point, the IC chip through the half-duplex transaction using an APDU (Application Protocol Data Unit) From the predetermined foreign exchange remittance transaction information characterized in that the interface to the financial terminal (100).

The contactless IC reader is a card reader 210 based on ISO / IEC 14443. The contactless IC reader is a non-contact electrical contact with an IC card dedicated to contactless foreign exchange transfer using capacitive coupling and / or inductive coupling. It comprises at least one antenna to form a power supply, the power supply to the IC chip of the IC card dedicated to the foreign currency transfer through the antenna, and predetermined from the IC chip through the half-duplex transaction using the APDU It is characterized by interfacing the foreign exchange remittance transaction information to the financial terminal (100).

The screen output unit 215 is previously defined to be output by the control unit 205 to a predetermined screen output means including a liquid crystal display (LCD) and / or a cathode ray tube (CRT) in the financial terminal 100. Or outputting at least one forex remittance transaction information that is defined in real time, and the key data input through the key input unit 220 to the forex remittance transaction information predefined to be output on the screen in the financial terminal 100. , Information stored or generated by a component included in the financial terminal 100, information transmitted / received through the communication unit 230, and data corresponding to a predetermined calculation result performed by the financial terminal 100. .

According to the exemplary embodiment of the present invention, the screen output unit 215 outputs a foreign exchange remittance interface according to at least one foreign exchange remittance financial transaction step for a foreign exchange remittance financial transaction according to the present invention to a predetermined screen output device. It is done.

Here, the foreign exchange remittance interface is a predetermined remittance classification (eg, gift women, international students, overseas systems, etc.), currency code, remittance amount, fee bearer, area code, country code, bank number, bank name, deposit bank A user who enters (or selects) foreign exchange remittance transaction information including at least one of an address, a bank name, a payee, a payee account number, a payee address, a payee phone number, a sender's name, a remitter's address, a remitter's phone number, and details of delivery. Characterized in that it comprises an interface.

The key input unit 220 is provided with at least one key button including at least one number key and / or character key and / or function key. Detects information (or a signal) input from a key input device of a predetermined value and is provided to the key input device in a specific input mode and / or operation mode of the financial terminal 100 controlled by the controller 205. When predetermined information (or signal) is input from a key button, a key event corresponding to the input information (or signal) is generated, and the generated key event is provided to the controller 205. The control unit 205 obtains predetermined key data corresponding to the key event in the current input mode and / or operation mode of the financial terminal 100, and / or corresponds to the predetermined key event. And obtaining a command to execute a function. The key input unit 220 and the key input device having at least one key button interlock with each other to perform a function of key input means provided in the financial terminal 100.

According to an embodiment of the present invention, a key input device interoperating with the key input unit 220 may include a keypad device having at least one numeric key and a function key, and / or at least one numeric key and a letter key (eg, A keyboard device having English character keys and / or Korean character keys) and a function key, and / or at least one numeric key and a function key in conjunction with the screen output means, and / or at least one numeric key And at least one touch screen device having character keys and function keys.

According to an embodiment of the present invention, the key input unit 220 may receive at least one or more key input information from a predetermined key input device according to the foreign exchange remittance financial transaction step according to the present invention.

The communication unit 230 provides a communication means for performing a transaction function (for example, a transaction function interoperating with the financial terminal 100 and the external system of each financial system) provided in the financial terminal 100. In addition, the network communication unit 230 and / or a predetermined cable for providing a transactional communication with the financial system provided on the financial system through the financial network 200 (eg, party network, CD / ATM network, etc.) in hardware. Cable communication unit 230 and / or Infrared Ray communication, RF (Radio Frequency) communication, which provides transactional communication with an external communication device via a communication port (eg, RS-232c, USB (Universal Serial Bus), etc.), Local area communication unit 230 for providing transactional communication with the local area communication device through at least one or more short-range wireless communication, including Bluetooth (BlueTooth), Wireless LAN (WLAN), Wi-Fi, Ultra Wide Band system (UWB) ) It is made, including, comprises a communication protocol and a communication application for providing a communication transaction in software.

According to the exemplary embodiment of the present invention, the communication unit 230 establishes a communication channel for processing a foreign exchange remittance financial transaction with a financial system on the financial system via a predetermined financial network 200 through the network communication unit 230. It is preferable to connect.

The memory unit 252 is a storage medium 810 that stores at least one or more terminal program codes and / or program data required for the control unit 205 to perform a predetermined control function. Erasable and Programmable Read Only Memory (FM), Flash Memory (FM), HDD (Hard Disk Drive) including at least one or more storage means, including the software control unit 205 to perform a predetermined control function A predetermined program routine and program data (e.g., data input or output for the program routine to perform a predetermined function).

According to the method of the present invention, the memory unit 252 is at least one foreign exchange remittance financial transaction processing information (eg, the financial terminal) used by the financial terminal 100 to process the foreign exchange remittance financial transaction according to the present invention. (100) address information and / or the financial terminal 100 ID information and / or the financial terminal 100 manager (or operator) information, etc.), and / or after the foreign exchange remittance financial transaction processing It is preferable to store predetermined foreign exchange remittance financial transaction details information corresponding to the foreign exchange remittance financial transaction.

The cash dispensing unit 240 is a cash withdrawal financial transaction when the financial transaction using the financial means information read through the card reader unit 210 from a predetermined financial system through the communication unit 230, the cash withdrawal financial transaction In response to a predetermined cash payment order (or cash payment approval result) from the financial system in response to the cash corresponding to the cash payment order (or cash payment approval result) (or the foreign currency remittance financial transaction customer withdrawal request Cash) is read from a predetermined cash storage unit 245 provided in the financial terminal 100 and paid to the customer through a predetermined cash discharging unit 250.

The terminal function unit 235 is a component provided in the financial terminal 100 in addition to the components shown in FIG. 2 and / or for a predetermined purpose or role. Representatively, various additions according to the intention of those skilled in the art, such as a secure application module (SAM) and / or a print output unit for printing and printing a receipt and / or a biometric recognition device for biometrics This includes the functional configuration. Those skilled in the art to which the present invention pertains will easily understand each terminal function unit 235 provided according to the characteristics of the financial terminal 100, and thus a detailed description thereof will be omitted.

2, a mode checking unit 255 for checking whether the operation mode of the financial terminal 100 is an operation mode for processing the foreign exchange remittance financial transaction according to the present invention; A validity authentication unit 260 for authenticating the validity of the FX remittance-only IC card using the PIN through the card reader 210 and the validity of the IC card exclusively for the forex remittance, and then the screen. When a predetermined forex transfer interface is output through the output unit 215, an information processing unit 265 for reading predetermined forex transfer transaction information from the forex transfer dedicated IC card and automatically inputting the to the forex transfer interface, and the forex transfer Sending the full text generation unit 270 for generating the full text of the foreign currency remittance transaction request including transaction information, and through the communication unit 230 transmits the generated foreign exchange remittance transaction request message to the financial system, Receive a foreign currency transfer transaction response message corresponding to the full text of the foreign exchange remittance request from the financial system, and outputs the foreign currency remittance transaction termination function corresponding to the received foreign exchange remittance transaction response (e.g., display the foreign exchange remittance financial transaction details screen; And a specialized processing unit 275 for storing the memory unit 252 and outputting a foreign exchange remittance financial transaction receipt.

The financial terminal 100 is a cash flow using a financial IC card that includes a foreign exchange remittance financial transaction mode, or a cash card (or debit card) function to process the foreign currency remittance financial transactions using the IC card dedicated to foreign exchange remittance according to the present invention. It includes a plurality of operation modes, such as a withdrawal financial transaction mode, or a bank transfer financial transaction mode using a financial IC card including a cash card (or debit card) function, and the mode checking unit 255 includes the financial terminal 100. It is characterized in that the operation mode of the) is a foreign currency remittance financial transaction mode for processing the foreign currency remittance financial transaction using the IC card dedicated to foreign exchange remittance according to the present invention.

According to an exemplary embodiment of the present invention, the financial terminal 100 selects a foreign exchange remittance financial transaction according to the present invention from among a plurality of operation modes on a basic screen, thereby receiving foreign exchange remittance transaction information read from the IC card dedicated to the foreign exchange remittance. It is preferable to switch to the foreign currency remittance financial transaction mode that processes the used foreign exchange remittance financial transaction.

According to another embodiment of the present invention, the financial terminal 100 is inserted into the card reader 210, a predetermined forex transfer dedicated IC card, from the inserted forex transfer dedicated IC card of a plurality of operation modes It is preferable to automatically switch to the foreign currency remittance financial transaction mode using the read foreign exchange remittance transaction information.

The validity authentication unit 260 receives a predetermined PIN by interlocking with the key input unit 220 when a predetermined forex transfer IC card is inserted into the card reader unit 210 and based on the input PIN. And performing a validity authentication procedure to secure confidentiality, authentication, integrity, and non-repudiation of the forex transfer dedicated IC card (and / or the IC card storage information provided in the forex transfer dedicated IC card). If the validity of the forex transfer dedicated IC card (and / or IC card storage information provided in the forex transfer dedicated IC card) is authenticated by the validity authentication unit 260, according to the present invention The predetermined foreign exchange remittance financial transaction procedure using the foreign exchange remittance transaction information read from the foreign exchange remittance dedicated IC card is normally performed.

According to one embodiment of the present invention, the validity authentication unit 260 is a foreign currency transfer dedicated IC card is inserted into the card reader unit 210, the foreign currency transfer dedicated IC card (and / or foreign currency transfer only) It is desirable to perform a validity authentication procedure for the IC card storage information) provided in the IC card.

According to the exemplary embodiment of the present invention, the validity authentication unit 260 is a predetermined foreign exchange transfer IC card is inserted into the card reader unit 210, the operation mode of the financial terminal 100 is the foreign currency transfer finance When the exchange mode or the operation mode of the financial terminal 100 is switched to the foreign exchange remittance financial transaction mode, when the predetermined IC card is inserted into the card reader 210, the foreign exchange It is preferable to perform a validity authentication procedure for the remittance dedicated IC card (and / or the IC card storage information provided in the forex remittance dedicated IC card).

The information processing unit 265 is authenticated by the validity authentication unit 260 for the validity of the forex transfer dedicated IC card (and / or IC card storage information for the forex transfer processing provided in the forex transfer dedicated IC card) after When a predetermined forex transfer interface is output through the screen output unit 215, the forex transfer transaction information may be read from the forex transfer dedicated IC card and automatically input to the forex transfer interface.

According to one embodiment of the present invention, the foreign exchange remittance transaction information, a predetermined remittance classification (eg, women, international students, overseas systems, etc.), currency code, remittance amount, fee bearer, area code, country code, It is preferable to include at least one of a bank number, a deposit bank name, a deposit bank address, a deposit bank store name, a payee account, a payee account number, a payee address, a payee phone number, a sender's name, a remitter's address, a remitter's phone number, and details of delivery. Do.

According to another exemplary embodiment of the present invention, the foreign exchange remittance transaction information is based on the foreign exchange remittance transaction type and / or the foreign currency remittance amount, the remittance classification (for example, gift female, international student, overseas system, etc.), currency code, Remittance amount, fee bearer, area code, country code, bank number, bank name, bank name, bank address, bank name, payee, payee account number, payee address, payee phone number, sender's name, sender's address, sender's phone number, Some of the contents may be omitted, and the omitted information may be manually inputted (or selected) or inputted through an FX remittance interface provided by the financial transaction means in a financial transaction process using a predetermined financial transaction means. Or optional) itself.

For example, if the remittance amount of the remittance transaction information is different for each remittance, the remittance amount may be omitted from the remittance transaction information included in the IC card storage information for the remittance processing.

According to another exemplary embodiment of the present invention, the foreign currency remittance transaction information is the remittance classification (for example, presenter, international student, overseas system, etc.), currency code, remittance amount, fee bearer, region according to the intention of the skilled person. Code, Country Code, Bank Number, Bank Name, Bank Name, Bank Name, Bank Name, Recipient, Recipient Account Number, Recipient Address, Recipient Phone Number, Remitter Name, Remitter Address, Remitter Number, The omitted information may be manually inputted (or selected) through the FX remittance interface provided by the financial trading means, or omitted from the input (or selection) itself in a financial transaction process using a predetermined financial transaction means. can do.

For example, when the delivery contents are not necessary in the foreign exchange remittance transaction information, the transmission contents may be omitted from the foreign exchange remittance transaction information included in the IC card storage information for the foreign exchange remittance processing.

The full text generation unit 270 generates a predetermined forex remittance transaction request message including the forex remittance transaction information read from the forex remittance dedicated IC card through the information processing unit 265, and the forex remittance transaction The full text of the request should be specified in the remittance category (eg, women, international students, overseas systems, etc.), currency code, remittance amount, fee bearer, area code, country code, bank number, bank name, bank address, bank Foreign currency remittance transaction information including at least one or more of a store name, a payee, a payee account number, a payee address, a payee phone number, a remitter name, a remitter address, a remitter phone number, and details of delivery, and a finance corresponding to the financial terminal 100. Terminal 100 address information and / or the financial terminal 100 ID information and / or the financial terminal 100 administrator (or operator) information, etc. may be included at least one, The financial terminal 100 address information and / or the financial terminal 100 ID information and / or the financial terminal 100 manager (or operator) information may be stored in the memory unit 252 of the financial terminal 100. It is preferable to extract the information from the foreign exchange remittance financial transaction processing information.

The specialized processing unit 275 is characterized in that for transmitting the full text of the foreign exchange transfer transaction request generated through the communication unit 230 to the financial system, a predetermined foreign exchange transfer corresponding to the foreign exchange remittance financial transaction from the financial system Wait for the full transaction response to be received.

If the forex transfer response response message corresponding to the forex transfer request message is received, the expert processing unit 275 extracts the forex transfer transaction information included in the received forex transfer response message, and extracts the And output the foreign exchange remittance financial transaction history information through the screen output unit 215, and / or stored in the memory unit 252, and / or print the foreign exchange remittance financial transaction details in accordance with a predetermined foreign exchange remittance financial transaction receipt form. It is done.

According to an embodiment of the present invention, the received full amount of the foreign exchange remittance transaction transaction may be received in addition to the foreign exchange remittance financial transaction details information, at least one recent foreign exchange remittance financial transaction details, in this case, the specialized processing unit ( 275 preferably outputs the received at least one recent foreign exchange remittance financial transaction details through the screen output unit 215.

In addition, the specialized processing unit 275 preferably stores the foreign exchange remittance financial transaction history information extracted from the received foreign exchange remittance transaction full text in the memory unit 252 for a predetermined period of time, whereby the last transaction Various additional services such as cancellation can be easily provided.

3 is a view showing the functional configuration of the IC card dedicated to foreign exchange transfers according to an embodiment of the present invention.

More specifically, Figure 3 is a functional configuration of the IC card dedicated to the foreign currency remittance issued to the customer through the card issuing system shown in Figure 8 and / or 10, the general knowledge in the technical field to which the present invention belongs If you have, it will be able to infer a variety of functional configuration for the IC card dedicated to the foreign exchange remittance by referring to and / or modifying the figure 3, but the present invention includes all the implementation method inferred, shown in this figure 3 The implementation method is not limited.

Referring to the standards including ISO / IEC 7816 and / or ISO / IEC 14443, the IC chip of the IC card for power transfer only includes power supply (VCC), reset signal (RST), clock signal (CLK), and ground (GND). Input / output interface (Central Process Unit), which communicates with the financial IC card terminal (e.g. command or data exchange) via contact points such as programming power supply (VPP) and / or input / output (I / O), etc. A processor comprising at least one computing element including a micro process unit (MPU) and / or a coprocessor, a read only memory (ROM), a random access memory (RAM), an electrically erasable and It consists of a memory unit consisting of at least one or more memory elements, including programmable read only memory (FM), flash memory (FM), etc. In particular, at least one of the memory elements (for example, ROM) in the IC card internal resources A chip operating system (COS) that manages and operates is stored. When predetermined power is supplied from a financial IC card terminal through a power supply (VCC) contact point of the input / output interface, a COS stored in the memory unit is predetermined. Loaded into the execution memory of the IC chip to control the overall operation of the IC chip, based on the clock frequency of the clock signal (CLK) contact point (for example, 3.57MHz or 4.9MHz) through the APDU (Application Protocol Data Unit) Control the exchange of information or data between the terminal and the financial IC card terminal.

According to the present invention, the memory unit of the IC chip is characterized in that the IC card storage information for foreign currency remittance processing for foreign exchange remittance financial transaction is stored, the IC card storage information for foreign exchange remittance processing is read by the terminal program A data storage unit for storing a data set corresponding to program data to be read and / or used, and driven or executed by a computing function and an instruction set provided by a COS, and used by the terminal program. A program routine (e.g., a Java Applet in the case of Javacard), which corresponds to program code that includes an instruction call code that interacts with the instruction set of the COS and execution code that is processed by the processor unit. A processing unit is provided, in particular, the processing unit via the APDU A command provided from the terminal program through the terminal, and read or write at least one or more information or data stored in the data storage based on the read command, and as a result or read information or data. It is characterized in that to provide to the terminal program via the input and output interface through the APDU.

According to a preferred embodiment of the present invention, the memory unit of the IC chip includes a security structure based on ISO / IEC 10202, and accordingly, the memory unit is a protection area in which secret information such as a chip serial number (CSN) is stored. And a COS control area, a user application area, a read / write access area, an application program area, and a FAT (File Allocation Table) management area, and the like. It is preferably stored in an area except for the COS control area.

According to the method of the present invention, the memory unit provided in the forex transfer dedicated IC card, at least one other IC card storage information (for example, credit card storage information, check card storage information, Debit card storage information, prepaid card storage information, etc.) is preferably provided, whereby the present invention is not limited.

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 IC card storage information for foreign exchange remittance processing for the present invention also includes the file structure as described above.

4 is a view showing the file structure of a forex remittance dedicated IC card for storing information for remittance processing IC card according to an embodiment of the present invention.

In more detail, Figure 4 is a credit card storage information (0200), debit card storage information (0300), financial common network storage information (F100) according to the financial IC card standard in the IC card dedicated to foreign exchange transfer shown in FIG. ) Stores IC card storage information for foreign currency remittance processing for foreign exchange remittance in a financial IC chip file structure in which electronic money storage information (F200), signature certificate (F300), and key distribution certificate (F400) are stored. It is about the case.

Those skilled in the art to which the present invention pertains, since the functions and features of the conventional components of the financial IC chip file structure shown in Figure 4 will already be understood, a description thereof will be omitted. In addition, the configuration of the IC card storage information shown in Figure 4 is for efficiently explaining the file structure of the IC card storage information for foreign exchange remittance processing to those skilled in the art to which the present invention belongs As the technical spirit of the present invention is not limited thereto, it can be easily changed and used by those skilled in the art.

Referring to FIG. 4, the F500 dedicated transfer file (F500) is placed under the master file and stores the IC card storage information for the foreign currency remittance processing and includes unique identification information or characteristic information on the IC card storage information for the foreign currency remittance processing. And an element file (F501) disposed under the dedicated file and storing file control information (FCI), and an element file (F502) for forex remittance transaction information storing at least one forex remittance transaction information. It is done by

The element file for storing the file control information is an element file for storing a data byte corresponding to a response to a SELECT FILE command transmitted from a terminal program provided in a financial IC card terminal to the IC card dedicated to foreign exchange remittance. An FCP template that conveys the Basic Encoding Rules-Tag, Length, Value (BER-TLV) data object File Control Parameter (FCP) defined in TABLE 2 of 7816-4, and / or defined in TABLE 2 of ISO / IEC 7816-4. The BER-TLV data object may include an FMD template for delivering File Management Data (FMD) and / or an FCI template for delivering FCP and FMD. The template may be retrieved according to a selection of a SELECT FILE command. Generally, when an FCP or FMD selection is made, a corresponding template is mandatory. When an FCI selection is made, the use of an FCI template is optional.

The forex remittance transaction information element file that stores at least one forex remittance transaction information is a face-to-face financial transaction that includes a predetermined financial transaction means (for example, a financial institution's counter) during the forex remittance financial transaction process using the forex remittance dedicated IC card. Or a non-face-to-face financial transaction comprising at least one of internet banking and / or wireless banking and / or telebanking and / or TV banking and / or home banking). It includes information that must be entered (or selected) through the foreign currency remittance interface provided by the financial transaction instrument.

According to an exemplary embodiment of the present invention, the foreign exchange remittance transaction information included in the IC card storage information for the foreign exchange remittance processing may include a predetermined remittance classification (for example, a gift woman, an overseas student, an overseas system), a currency code, Remittance amount, fee bearer, area code, country code, bank number, bank name, bank name, bank address, bank name, payee, payee account number, payee address, payee phone number, sender's name, sender's address, sender's phone number, It is preferable that the contents including at least one or more.

According to another exemplary embodiment of the present invention, the foreign exchange remittance transaction information included in the IC card storage information for the foreign currency remittance processing is based on the remittance transaction type and / or the foreign exchange remittance amount, and the remittance classification (eg, a gift increaser). , International student, overseas system, etc.), currency code, remittance amount, fee bearer, area code, country code, bank number, bank name of bank, bank address, bank name of bank, payee, payee account number, payee address, payee Some of the telephone number, the remitter's name, the remitter's address, the remitter's telephone number, and the contents of the transmission may be omitted, and the omitted information may refer to the foreign currency remittance interface provided by the financial transaction means in a financial transaction process using a predetermined financial transaction means. Can be entered manually (or selected) or omitted (or selected) itself.

For example, if the remittance amount of the remittance transaction information is different for each remittance, the remittance amount may be omitted from the remittance transaction information included in the IC card storage information for the remittance processing.

According to another exemplary embodiment of the present invention, the foreign exchange remittance transaction information included in the IC card storage information for the foreign exchange remittance processing is the remittance classification (for example, gift female, international student, overseas system, etc.) ), Currency code, remittance amount, fee bearer, area code, country code, bank number, bank name, bank name of bank, bank name of bank, beneficiary, beneficiary account number, beneficiary address, beneficiary phone number, remittee name, remitter address , Some of the remittance telephone number and the contents of the transmission may be omitted, and the omitted information may be manually inputted (or selected) through the foreign exchange remittance interface provided by the financial transaction means in a financial transaction process using a predetermined financial transaction means. Or the input (or selection) itself.

For example, when the delivery contents are not necessary in the foreign exchange remittance transaction information, the transmission contents may be omitted from the foreign exchange remittance transaction information included in the IC card storage information for the foreign exchange remittance processing.

According to a preferred embodiment of the present invention, the method for selecting the IC card storage information for processing the foreign currency remittance processing from among the plurality of stored information provided in the forex transfer dedicated IC card, the selection method by the file identifier, the selection method by the path , And a selection method by an EF identifier. The selection method by a file identifier uses a two-byte identifier assigned to each file. As shown in FIG. 4, the identifier assigned to the dedicated file of the IC card storage information for FX remittance processing is shown in FIG. "F500" to select the IC card storage information for the foreign currency remittance processing, and the selection method by the path is to select the IC card storage information for the foreign currency remittance processing using the "3FFF" identifier, select by the EF identifier The method uses the 5-bit identifier between '0' and '30' assigned to each element file to select the IC card storage information for foreign currency remittance processing. Will. In general, when the selection method by a file identifier and the selection method by a path are used, the IC card storage information for the FX remittance processing can be accessed through a SELECT FILE command. If the selection method is not used, the dedicated file of the IC card storage information for foreign currency remittance processing may be omitted.

5 is a view showing a preferred structure of the element file included in the IC card storage information for foreign currency remittance processing according to an embodiment of the present invention.

In more detail, Figure 5 is a foreign exchange remittance IC card shown in Figure 3, the foreign exchange remittance transaction information of the IC card storage information for foreign exchange remittance processing provided in the foreign exchange remittance dedicated IC card for a predetermined foreign exchange remittance financial transaction The data structure for the element file, which is a person of ordinary skill in the art to which the present invention pertains, is an item included in the element file for the foreign exchange remittance transaction information by referring to and / or modifying the drawing 5, Various implementation methods for type and size may be inferred, but the present invention includes all implementation methods inferred above and is not limited to the implementation method shown in FIG.

Referring to FIG. 5, the element file for foreign exchange remittance transaction information may include a predetermined remittance classification (for example, presenter, international student, overseas system, etc.), currency code, amount of remittance, fee bearer, region code, country code, Bank number, bank name, bank name, bank address, bank name, payee, payee account number, payee address, payee phone number, sender's name, remitter's address, remitter's phone number, contents of delivery It features.

According to an exemplary embodiment of the present invention, the foreign exchange remittance transaction information included in the IC card storage information for the foreign currency remittance processing is based on the remittance transaction type and / or the foreign currency remittance amount, and the remittance classification (for example, gift, Overseas Student, Overseas System, etc.), Currency Code, Amount of Remittance, Commissioner, Area Code, Country Code, Bank Number, Deposit Bank Name, Deposit Bank Address, Deposit Bank Store Name, Beneficiary, Beneficiary Account Number, Beneficiary Address, Beneficiary Telephone Some of the number, remitter's name, remitter's address, remitter's telephone number, and delivery details may be omitted, and the omitted information may be omitted through a foreign exchange remittance interface provided by the financial transaction means in a financial transaction process using a predetermined financial transaction means. You can enter (or select) manually, or omit the input (or select) itself.

For example, if the remittance amount of the remittance transaction information is different for each remittance, the remittance amount may be omitted from the remittance transaction information included in the IC card storage information for the remittance processing.

According to another exemplary embodiment of the present invention, the foreign exchange remittance transaction information included in the IC card storage information for the foreign currency remittance processing is the remittance classification (for example, a presenter, an international student, or an overseas system). , Currency code, remittance amount, fee bearer, area code, country code, bank number, bank name, bank name of bank, bank name of bank, beneficiary, beneficiary account number, beneficiary address, beneficiary phone number, remittee name, remitter address , Some of the remitter's telephone number and the contents of the transmission may be omitted, and the omitted information may be manually inputted (or selected) through the foreign exchange remittance interface provided by the financial transaction means in a financial transaction process using a predetermined financial transaction means. Or omit the input (or selection) itself.

For example, when the delivery contents are not necessary in the foreign exchange remittance transaction information, the transmission contents may be omitted from the foreign exchange remittance transaction information included in the IC card storage information for the foreign exchange remittance processing.

6A and 6B are diagrams illustrating a method of operating a foreign exchange remittance financial transaction of a financial terminal 100 through a foreign exchange remittance dedicated IC card according to an exemplary embodiment of the present invention.

6a and 6b show the IC card for foreign exchange remittance processing shown in FIG. 3 through the card issuing system shown in FIGS. 8 and / or 10 in the financial terminal 100 shown in FIG. Inserting a foreign exchange remittance dedicated IC card issued to the customer with information, and for the foreign exchange remittance transaction through the foreign exchange remittance dedicated IC card, as to the preferred operating process of the financial terminal 100, specifically, the financial terminal When the predetermined IC card is exclusively inserted into the 100, the operation mode of the financial terminal 100 is automatically switched to the external money transfer financial transaction mode, and the FX money transfer transaction is performed through the FX card dedicated IC card. It is about.

For those of ordinary skill in the art to which the present invention pertains, a financial terminal for converting an IC card exclusively for foreign exchange remittance having the IC card storage information for the FX remittance processing by referring to and / or modifying the drawings 6A and 6B Although various operation methods of 100 may be inferred, the present invention includes all the implementation methods inferred above and is not limited by the implementation methods shown in FIGS. 6A and 6B.

Referring to Figures 6a and 6b according to an embodiment of the present invention, the foreign exchange remittance financial transaction through the financial terminal 100 uses the IC card storage information for foreign exchange remittance processing provided in the predetermined IC card for foreign exchange remittance It is preferable to start through the process of inserting the forex transfer IC card into the card reader of the financial terminal 100 equipped with a predetermined terminal program and a predetermined card reader (eg, CAD (Card Acceptance Device)).

When the foreign exchange remittance dedicated IC card is inserted into the card reader of the financial terminal 100, the financial terminal 100 supplies a predetermined power source to operate the foreign exchange remittance dedicated IC card through the VCC of the foreign exchange remittance dedicated IC card. (E.g., 3V or 5V), and initialize the forex transfer dedicated IC card through RST.

According to a preferred embodiment of the present invention, the IC chip currently on the market has a class A for 5V and a class B for 3V. The financial terminal 100 selects a class for about 10 ms and then outputs a normal ATR signal. It is preferable to supply the power to the forex transfer dedicated IC card, the financial terminal 100 is initialized the forex transfer dedicated IC card through a reset signal in a stable power supply state as described above. If normally performed, the RST of the IC card dedicated to the foreign currency remittance is in the L state, the I / O is in the receive mode, and the VPP is in the idle state, and the appropriate and stable frequency (eg, 3.57 MHz or 4.9) is maintained in the CLK. MHz) is maintained.

In the following Figures 6a and 6b, the financial terminal 100 shown in Figure 2 is referred to as "terminal" for convenience.

6A and 6B, when the FX remittance-only IC card having the predetermined IC card storage information is inserted into the card reader provided in the terminal (600), the terminal transmits the IC card through the card reader. A predetermined operation power is supplied to the forex transfer dedicated IC card, and the forex transfer only IC card is initialized through the operation power supply (605).

If the forex transfer dedicated IC card is normally initialized (610), the terminal determines the validity of the forex transfer dedicated IC card through a predetermined PIN (Personal Identification Number) (615).

If the validity of the forex transfer-only IC card is not authenticated (620), the terminal generates and outputs a predetermined IC card error code (625), and performs the forex transfer financial transaction process through the forex transfer-only IC card. Quit.

On the other hand, if the validity of the FX card dedicated IC card is authenticated (620), the terminal switches the operation mode to the FX remittance financial transaction mode according to the present invention, and the FX remittance transaction for the FX remittance financial transaction on the terminal screen. After outputting a foreign exchange remittance interface for inputting (or selecting) information (630), the IC card storage information provided in the forex remittance dedicated IC card based on a predetermined APDU (Application Protocol Data Unit) is stored at least as the information. In operation 635, a set of instructions for requesting a list of one or more foreign currency remittance transaction information is transmitted.

According to another embodiment of the present invention, when the foreign exchange remittance dedicated IC card is inserted into the card reader provided in the terminal before the predetermined foreign exchange transfer interface is output to the terminal, a predetermined validity checking procedure is performed. Validation process for the IC card can be omitted, whereby the present invention is not limited.

Receiving a set of instructions for requesting at least one list of forex remittance transaction information from the terminal as described above, the forex remittance dedicated IC card, the at least one forex remittance transaction information from the data storage of the IC card storage information for the remittance processing; The list is read (640), and the read at least one foreign exchange remittance transaction information list is provided to the terminal based on a predetermined APDU (645).

According to one embodiment of the present invention, the list of the foreign exchange remittance transaction information is not duplicated with other foreign exchange remittance transaction information among at least one or more information constituting the foreign exchange remittance transaction information included in the IC card storage information for the foreign exchange remittance processing It is preferable that the information (for example, the payee, the payee account number, the payee conversion number, etc.) be read and provided to the terminal using the foreign currency remittance transaction information identifier.

According to another embodiment of the present invention, when the foreign exchange remittance transaction information included in the IC card storage information for the foreign currency remittance processing includes a predetermined foreign exchange remittance transaction information identifier, the foreign exchange remittance transaction information list is the foreign exchange remittance transaction information identifier. It is preferable that the readout is provided to the terminal.

Thereafter, the terminal outputs at least one list of forex remittance transaction information provided from the forex transfer dedicated IC card to the forex transfer interface (650).

When at least one list of at least one forex remittance transaction information is output to the forex remittance interface, the terminal transmits at least one forex remittance transaction information for at least one forex remittance transaction information from the at least one list of forex remittance transaction information output through a predetermined key input means. Make sure is selected (655).

If the predetermined foreign exchange remittance transaction information for the forex financial transaction is selected in the terminal (660), the terminal is the foreign exchange remittance processing IC card storage information provided in the forex remittance dedicated IC card based on the APDU the selected foreign exchange A command set for requesting remittance transaction information is transmitted (665).

Receiving a set of instructions for requesting a predetermined forex transfer information from the terminal as described above, the forex transfer dedicated IC card reads out the requested forex remittance transaction information from the data storage of the IC card storage information for the forex transfer processing; In operation 670, the read foreign currency remittance transaction information is provided to the terminal based on a predetermined APDU.

Here, the foreign currency remittance transaction information is a predetermined remittance classification (for example, women, international students, overseas system, etc.), currency code, remittance amount, fee bearer, area code, country code, bank number, bank name, deposit It is preferable to include at least one of a bank address, a bank name of a bank, a payee, a payee account number, a payee address, a payee phone number, a sender's name, a sender's address, a sender's phone number, and contents of delivery.

Thereafter, the terminal automatically inputs the foreign currency remittance transaction information provided from the foreign exchange remittance dedicated IC card to the foreign currency remittance interface outputted to the terminal (680).

In addition, the terminal is the foreign currency through the key input means provided in the terminal for at least one or more non-information information (eg, remittance amount, etc.) excluded from the item automatically input to the forex transfer interface through the forex transfer transaction information A key input (or selection) corresponding to the remittance interface is checked (685).

According to another exemplary embodiment of the present invention, if all information input items of the forex transfer interface are automatically input through the forex transfer transaction information, a key input (or selection) process for the non-input information may be omitted.

If a key input (or selection) for the non-input information by the forex transfer information is confirmed (690), the terminal is automatically entered in the forex transfer interface (eg, through the forex transfer information, or And / or generate a predetermined foreign currency remittance transaction request message including at least one forex remittance transaction information (692), and generate the generated foreign currency remittance transaction request message through the predetermined financial network 200. After transmitting to the domestic financial system, it periodically checks from the domestic financial system through the financial network 200 whether a predetermined forex transfer transaction response message corresponding to the forex transfer request message is received (694).

Those skilled in the art to which the present invention belongs, based on the foreign exchange remittance transaction information contained in the forex remittance transaction request in the domestic financial system received the full remittance of the foreign exchange remittance transaction request a predetermined international financial network ( Since 200 will be familiar with the detailed financial transaction procedure for processing the foreign exchange remittance financial transaction in connection with a predetermined foreign financial system, a detailed description thereof will be omitted for convenience.

If a predetermined foreign exchange transaction response message corresponding to the foreign exchange transfer transaction request message is received from the domestic financial system through the financial network 200 (696), the terminal exchanges the foreign currency included in the foreign exchange transfer response message. A screen output and / or print output of the remittance financial transaction details or a function of terminating the foreign exchange funds financial transaction stored in the memory unit provided in the terminal (698).

7A and 7B are diagrams illustrating a method of operating a foreign exchange remittance financial transaction of a financial terminal 100 through a foreign exchange remittance dedicated IC card according to another exemplary embodiment of the present invention.

In more detail, Figures 7a and 7b store the IC card for foreign currency remittance processing shown in Figure 3 through the card issuing system shown in Figure 8 and / or 10 in the financial terminal 100 shown in Figure 2 above. Inserting a foreign exchange remittance dedicated IC card issued to the customer with information, and for the foreign exchange remittance transaction through the foreign exchange remittance dedicated IC card, for the preferred operating process of the financial terminal 100, specifically, the financial terminal After the operation mode 100 is switched to the foreign exchange remittance financial transaction mode, a predetermined foreign exchange remittance IC card is inserted into the financial terminal 100 to perform a foreign exchange remittance financial transaction through the foreign exchange remittance dedicated IC card. It is about.

Those skilled in the art to which the present invention pertains refer to and / or modify the drawings 7a and 7b to transfer the IC card for foreign exchange remittance dedicated IC card equipped with the IC card storage information for the foreign exchange remittance processing financial terminal ( Although various operation methods of 100 may be inferred, the present invention includes all the implementation methods inferred above and is not limited by the implementation methods shown in FIGS. 7A and 7B.

Referring to Figures 7a and 7b according to another embodiment of the present invention, the foreign exchange remittance financial transaction through the financial terminal 100 is at least one operation mode selection menu output on the initial screen of the financial terminal 100 It is preferable to start through the process of selecting the foreign currency remittance financial transaction selection menu.

When the operation mode of the financial terminal 100 is selected as the foreign exchange remittance financial transaction, a predetermined terminal program and a predetermined card reader using IC card storage information for foreign exchange remittance processing provided in a predetermined ICF dedicated IC card ( For example, when the forex transfer dedicated IC card is inserted into the card reader of the financial terminal 100 equipped with a CAD (Card Acceptance Device), and the forex transfer dedicated IC card is inserted into the card reader of the financial terminal 100. The financial terminal 100 supplies a predetermined power (for example, 3V or 5V) for operating the FX transfer dedicated IC card through the VCC of the FX transfer dedicated IC card, and the FX transfer dedicated IC card through RST. Initialize

According to a preferred embodiment of the present invention, the IC chip currently on the market has a class A for 5V and a class B for 3V. The financial terminal 100 selects a class for about 10 ms and then outputs a normal ATR signal. It is preferable to supply the power to the forex transfer dedicated IC card, the financial terminal 100 is initialized the forex transfer dedicated IC card through a reset signal in a stable power supply state as described above. If normally performed, the RST of the IC card dedicated to the foreign currency remittance is in the L state, the I / O is in the receive mode, and the VPP is in the idle state, and the appropriate and stable frequency (eg, 3.57 MHz or 4.9) is maintained in the CLK. MHz) is maintained.

In the following Figures 7a and 7b, the financial terminal 100 shown in Figure 2 is referred to as "terminal" for convenience.

Referring to FIGS. 7A and 7B, the terminal selects the drawing mode of the terminal as the foreign currency remittance financial transaction mode through a process of selecting a foreign exchange remittance financial transaction selection menu among at least one operation mode selection menu displayed on the initial screen. (700).

If the operation mode of the terminal is selected other than the foreign currency remittance financial transaction mode (705), the terminal performs a function corresponding to the selected operation mode (710).

If the operation mode of the terminal is selected as the foreign exchange remittance financial transaction mode (705), the terminal checks whether the foreign exchange remittance dedicated IC card with the predetermined IC card storage information is inserted through the card reader. (715).

If the foreign exchange remittance dedicated IC card having the predetermined IC card storage information is inserted into the terminal (720), the terminal supplies predetermined operating power to the foreign exchange remittance dedicated IC card through the card reader. The IC card is initialized through the operation power source (725).

If the forex transfer dedicated IC card is normally initialized (730), the terminal determines the validity of the forex transfer dedicated IC card by inputting a predetermined PIN (Personal Identification Number) (735).

If the validity of the forex transfer dedicated IC card is not authenticated (740), the terminal generates a predetermined IC card error code and outputs it (745), and forex remittance financial transaction process through the forex transfer dedicated IC card. To exit.

On the other hand, if the validity of the forex transfer dedicated IC card is authenticated (740), the terminal outputs a forex transfer interface for inputting (or selecting) forex transfer transaction information for the forex transfer financial transaction on the screen (750). In operation 755, a command set for requesting a list of at least one foreign exchange remittance transaction information is transmitted to the IC card storage information provided in the foreign exchange remittance dedicated IC card based on a predetermined APDU (Application Protocol Data Unit) (755). ).

According to another embodiment of the present invention, when the foreign exchange remittance dedicated IC card is inserted into the card reader provided in the terminal before the predetermined foreign exchange transfer interface is output to the terminal, a predetermined validity checking procedure is performed. Validation process for the IC card can be omitted, whereby the present invention is not limited.

As described above, the IC card exclusively for receiving a command set for requesting at least one list of forex remittance transaction information from the terminal may include at least one forex remittance transaction information list from a data storage unit of the IC card storage information for the forex remittance processing. Read (760), and provides the read at least one list of forex remittance transaction information to the terminal based on a predetermined APDU (765).

According to one embodiment of the present invention, the list of the foreign exchange remittance transaction information is not duplicated with other foreign exchange remittance transaction information among at least one or more information constituting the foreign exchange remittance transaction information included in the IC card storage information for the foreign exchange remittance processing It is preferable that the information (for example, the payee, the payee account number, the payee conversion number, etc.) be read and provided to the terminal using the foreign currency remittance transaction information identifier.

According to another embodiment of the present invention, when the foreign exchange remittance transaction information included in the IC card storage information for the foreign currency remittance processing includes a predetermined foreign exchange remittance transaction information identifier, the foreign exchange remittance transaction information list is the foreign exchange remittance transaction information identifier. It is preferable that the readout is provided to the terminal.

Thereafter, the terminal outputs at least one list of at least one forex transfer information provided from the forex transfer dedicated IC card to the forex transfer interface (770).

When at least one list of at least one forex remittance transaction information is output to the forex remittance interface, the terminal transmits at least one forex remittance transaction information for at least one forex remittance transaction information from the at least one list of forex remittance transaction information output through a predetermined key input means. Make sure is selected (775).

If the predetermined foreign exchange remittance transaction information for the foreign exchange remittance financial transaction is selected in the terminal (778), the terminal is selected for the foreign exchange remittance processing IC card storage information provided in the forex remittance dedicated IC card based on the APDU In operation 780, a set of instructions for requesting remittance transaction information is transmitted.

Receiving a set of instructions for requesting a predetermined forex transfer information from the terminal as described above, the forex transfer dedicated IC card reads out the requested forex remittance transaction information from the data storage of the IC card storage information for the forex transfer processing; In operation 784, the read foreign exchange remittance transaction information is provided to the terminal based on a predetermined APDU (784).

Here, the foreign currency remittance transaction information is a predetermined remittance classification (for example, women, international students, overseas system, etc.), currency code, remittance amount, fee bearer, area code, country code, bank number, bank name, deposit It is preferable to include at least one of a bank address, a bank name of a bank, a payee, a payee account number, a payee address, a payee phone number, a sender's name, a sender's address, a sender's phone number, and contents of delivery.

Thereafter, the terminal automatically inputs the foreign currency remittance transaction information provided from the foreign currency remittance dedicated IC card to the foreign currency remittance interface outputted to the terminal (786).

In addition, the terminal is the foreign currency through the key input means provided in the terminal for at least one or more non-information information (eg, remittance amount, etc.) excluded from the item automatically input to the forex transfer interface through the forex transfer transaction information A key input (or selection) corresponding to the remittance interface is checked (788).

According to another exemplary embodiment of the present invention, if all information input items of the forex transfer interface are automatically input through the forex transfer transaction information, a key input (or selection) process for the non-input information may be omitted.

If a key input (or selection) for the non-input information by the forex transfer information is confirmed (790), the terminal is automatically input through the forex transfer interface (eg, through the forex transfer information, or And / or key input) a predetermined forex remittance transaction request text including at least one forex remittance transaction information (792), and generate the forex remittance transaction request text through a predetermined financial network (200). After transmitting to the domestic financial system, periodically checks whether a predetermined foreign currency transfer transaction response message corresponding to the foreign currency transfer transaction request message is received from the domestic financial system through the financial network 200 (794).

Those skilled in the art to which the present invention belongs, based on the foreign exchange remittance transaction information contained in the forex remittance transaction request in the domestic financial system received the full remittance of the foreign exchange remittance transaction request a predetermined international financial network ( Since 200 will be familiar with the detailed financial transaction procedure for processing the foreign exchange remittance financial transaction in connection with a predetermined foreign financial system, a detailed description thereof will be omitted for convenience.

If a predetermined forex transfer transaction response message corresponding to the forex transfer request message is received from the domestic financial system through the financial network 200 (796), the terminal exchanges the foreign currency included in the forex transfer response message. A financial transaction transaction termination function for outputting a screen and / or a printout of the remittance financial transaction or storing the remittance financial transaction is stored in a memory unit provided in the terminal (798).

Hereinafter, an embodiment of a system configuration for issuing the foreign exchange transfer-only IC card to the customer and the process of issuing the foreign exchange transfer-only IC card will be described in detail.

8 is a diagram illustrating a card issuing system for issuing an IC card dedicated to foreign exchange remittances according to an embodiment of the present invention.

In more detail, Figure 8 shows that a predetermined customer provides a foreign exchange remittance dedicated IC card issuance application information for issuing a foreign exchange remittance dedicated IC card according to the present invention to a financial system through a predetermined card issuing interface. The present invention relates to a system for issuing a predetermined forex transfer-only IC card to the customer based on the provided issuance application information for the forex transfer-only IC card. By referring to and / or modified to be able to infer various implementation methods for the card issuance system configuration for issuing IC card dedicated to foreign exchange remittance, the present invention includes all the implementation methods inferred, shown in FIG. It is not limited only to the implementation method.

Hereinafter, at least one of issuing a predetermined forex transfer-only IC card to the customer based on the application information for issuing a forex transfer-only IC card provided from the customer through a predetermined card issuing interface on the card issuing system shown in FIG. Components corresponding to the above means and / or functional configuration are referred to as "card issuing server 805" for convenience.

Referring to FIG. 8 according to an embodiment of the present invention, a card issuing system for issuing an IC card dedicated to foreign exchange remittances according to the present invention includes an employee terminal used by a card issuing employee equipped with at least one financial institution. The employee terminal is connected to the card issuing server 805 provided on the financial system through a predetermined financial network 200 is connected to the communication channel.

According to the implementation method of the present invention, the customer visits the financial institution for issuing an IC card dedicated to foreign exchange remittance according to the present invention and through the window provided at the financial institution (or through a card issuing staff). Fill out a prescribed IC card issuance application form (e.g., a document with a form for filling in at least one item of information for issuing an IC card dedicated to remittance) and / or the card issuer Visit the customer and ask the customer to fill out a predetermined IC card issuance application for issuing the IC card dedicated to the foreign currency remittance), and submit the completed IC card issuance application to the card issuing staff. Enters (or selects) information entered in the IC card issuance application through a predetermined employee terminal, It is preferable to send the information of the input (or selected) to the card issuing server 805 is provided on the financial system through the banking network 200.

Here, the employee terminal preferably comprises an employee terminal used by the card issuing staff provided in the financial institution, the card issuing server 805 connected to the employee terminal is provided on the predetermined financial system It is preferable to include a ledger server, the financial network 200 connecting the employee terminal and the card issuance server 805 is a financial network 200 for connecting the communication channel between the employee terminal and the card issuance server 805 (E.g., our network).

In the card issuing system, the IC card issuance application prepared by the customer, the employee terminal used by the card issuing staff and the financial network 200 connecting the employee terminal and the card issuing server 805 is The customer performs the function of the card issuing interface for registering the application information for issuing the IC card issuance dedicated for foreign exchange remittance IC card issuance according to the present invention.

The storage medium 810 provided on the financial system according to the present invention provides a predetermined foreign exchange transfer-only IC card to the customer based on the application information for issuing the IC card dedicated to the foreign exchange transfer provided from the card issuing terminal 800. After issuing, it is characterized in that for storing the foreign currency transfer-only IC card issuing information according to the issuance of the foreign currency transfer-only IC card, the foreign currency transfer-only IC card issuing information stored in the storage medium 810 is the invention on the financial system It is used for issuing IC card exclusively for foreign currency remittance.

According to one embodiment of the invention, the storage medium 810 is preferably provided in a DBMS on a predetermined financial system provided on (or associated with) the financial system, wherein the storage medium 810 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, by which the present invention is not limited.

According to another method of the present invention, the storage medium 810 is an Internet banking system, and / or a telebanking system, and / or a wireless banking system, and / or provided on (or associated with) the financial system. It is possible to be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 810 is linked to a server (or device) that performs a predetermined information processing function using the IC card issuance information dedicated to the foreign currency transfer on the financial system. It is preferable that the DBMS is provided. At this time, the location where the storage medium 810 is provided may be variously performed according to the intention of those skilled in the art, and the present invention is not limited thereto.

The card issuing server 805 provided on the financial system according to the present invention is a generic term for the financial system side components connected to the card issuing terminal 800 and a predetermined financial network 200, and includes at least one or more components. It may be implemented by including a server (or device), and / or implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to the embodiment of the present invention, the card issuing server 805 is provided with an interface unit 815 for providing a predetermined card issuing interface to the card issuing terminal 800 through the financial network 200. It features.

According to an embodiment of the present invention, when the card issuing terminal 800 is an employee terminal connected to a predetermined financial network 200, the interface unit 815 is based on a protocol stack defined in the financial network 200. It is desirable to provide a communication interface for transmitting and receiving at least one information (or data) using the communication protocol defined in the card issuance application program provided in the employee terminal and connecting a predetermined communication channel with the employee terminal. .

Referring to FIG. 8, the card issuing server 805 is interworked with the interface unit 815 when a predetermined card issuing terminal 800 is connected to the card issuing server 805 through the interface unit 815. By generating (or extracting) a predetermined user interface for inputting (or selecting) predetermined IC card issuance application information from the card issuing terminal 800 and providing the card issuing terminal 800 to the card issuing terminal 800. Receives application information for issuing IC card issuance information dedicated to the interface transfer unit 820 and inputting (or selecting) the card issuing terminal 800 through the user interface in cooperation with the interface unit 815. An IC card for processing a predetermined foreign exchange transfer corresponding to a foreign exchange transfer-only IC card to be issued to the customer based on the information receiving unit 825 and the application for issuing IC card issue application information. An information generating unit 835 for generating stored information, a card issuing unit 840 for issuing a predetermined forex transfer-only IC card including the forex transfer processing IC card storage information through a predetermined card issuing device; And an information storage unit 830 for storing the foreign exchange remittance dedicated IC card issued information corresponding to the foreign exchange remittance dedicated IC card issued to the customer in the storage medium 810.

The interface providing unit 820 corresponds to a functional configuration provided in the card issuing terminal 800 when a predetermined card issuing terminal 800 is connected to the card issuing server 805 through the interface unit 815. Generate (or select) the application information for issuing the IC card issuance dedicated to the foreign currency remittance and generate a predetermined user interface which can be transmitted to the card issuing server 805 through the financial network 200, and / or a predetermined database. Extracting from (not shown) and providing the user interface generated (or extracted) in cooperation with the interface unit 815 to the card issuing terminal 800 through the financial network 200.

Thereafter, the card issuing terminal 800 inputs (or selects) the application information for issuing the IC card issuance dedicated to the foreign currency remittance based on the user interface, and inputs the application information for issuing the IC card issuance information dedicated to the foreign currency transfer only. The financial network 200 transmits the card to the card issuing server 805.

According to an embodiment of the present invention, when the card issuing terminal 800 is an employee terminal connected to a predetermined financial network 200, the interface providing unit 820 is a card issuing application program provided in the employee terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided, and provide the generated user interface to the employee terminal through the interface unit 815.

According to another exemplary embodiment of the present invention, when the card issuing terminal 800 is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired network and / or a wireless network, the interface providing unit 820 ) Generates (or extracts) a predetermined user interface that can be provided to a browser program and / or a communication program provided in the client terminal, and generates the generated (or extracted) user interface through the interface unit 815 to the client. It is preferable to provide to the terminal.

According to another exemplary embodiment of the present invention, when the card issuing terminal 800 is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface providing unit 820 is a browser provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided by a program and / or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 815.

When the information receiving unit 825 inputs (or selects) predetermined IC card issuance application information from the card issuing terminal 800 through the user interface and transmits it through the financial network 200, the interface is provided. It is characterized in that for receiving the forex transfer-only IC card issuing application information in conjunction with the unit 815, the received forex transfer-only IC card issuing application information is provided to the information generating unit 835.

According to the implementation method of the present invention, the application information for issuing the dedicated IC card issuance information is the customer information of the card issuing customer, the IC card information dedicated to the foreign currency remittance to confirm that the card issued to the customer is the IC card dedicated to the foreign currency transfer, In the foreign exchange remittance transaction of the foreign currency transfer amount is preferably made of at least one or more financial account information, and at least one forex remittance transaction information.

The information generation unit 835 is a predetermined forex transfer processing IC card to be provided in the forex transfer dedicated IC card to the customer based on the application information for issuing the forex transfer dedicated IC card received through the information receiving unit 825. Characterized in that the stored information is generated, wherein the IC card storage information for foreign exchange remittance processing comprises at least one foreign exchange remittance transaction information.

According to an exemplary embodiment of the present invention, the IC card storage information for the foreign currency remittance processing may be provided to the IC card dedicated to the FX remittance (for example, recorded in a memory provided in the IC card dedicated to the foreign currency remittance and provided in the IC card). It is preferably generated in the form of a card application (e.g., program code executable on the IC card platform and program data used by the program code), which is executable through a predetermined processor.

According to another exemplary embodiment of the present invention, if a predetermined card application corresponding to the IC card storage information for the forex transfer processing is provided in the forex transfer dedicated IC card (eg, provided in the forex transfer dedicated IC card). When a predetermined card application corresponding to the IC card storage information for the foreign currency remittance processing is previously recorded in a memory), the IC card storage information for the foreign currency remittance processing is generated in the form of program data included in the card application. desirable.

Here, the at least one foreign exchange remittance transaction information included in the IC card storage information for the foreign currency remittance processing is program data of a card application included in the foreign exchange remittance dedicated IC card, and is provided with a predetermined financial transaction means (for example, a financial institution window). Face-to-face financial transaction means, or non-face-to-face financial transaction means including at least one or more of Internet banking and / or wireless banking and / or telebanking and / or TV banking and / or home banking). Forex remittance transaction includes at least one information that the customer must input (or select) through the forex remittance interface provided by the financial transaction means.

According to an exemplary embodiment of the present invention, the foreign exchange remittance transaction information included in the IC card storage information for the foreign exchange remittance processing may include a predetermined remittance classification (for example, a gift woman, an overseas student, an overseas system), a currency code, Remittance amount, fee bearer, area code, country code, bank number, deposit bank name, deposit bank address, deposit bank store name, payee, payee account number, payee address, payee phone number, sender name, remittee address, remitter phone number It is preferable to include at least one or more, the contents delivered.

According to another exemplary embodiment of the present invention, the foreign exchange remittance transaction information included in the IC card storage information for the foreign currency remittance processing is based on the remittance transaction type and / or the foreign exchange remittance amount, and the remittance classification (eg, a gift increaser). , International student, overseas system, etc.), currency code, remittance amount, fee bearer, area code, country code, bank number, bank name of bank, bank address, bank name of bank, payee, payee account number, payee address, payee Some of the telephone number, the remitter's name, the remitter's address, the remitter's telephone number, and the contents of the transmission may be omitted, and the omitted information may refer to the foreign currency remittance interface provided by the financial transaction means in a financial transaction process using a predetermined financial transaction means. Can be entered manually (or selected) or omitted (or selected) itself.

For example, if the remittance amount of the remittance transaction information is different for each remittance, the remittance amount may be omitted from the remittance transaction information included in the IC card storage information for the remittance processing.

According to another exemplary embodiment of the present invention, the foreign currency remittance transaction information included in the IC card storage information for the foreign exchange remittance processing is the remittance category (for example, a gift female, an international student, an overseas system) Currency code, remittance amount, fee bearer, area code, country code, bank number, bank name of bank, bank address of bank, bank name of bank, beneficiary address, beneficiary account number, beneficiary address, beneficiary phone number, remittee name, remitter Some of the address, remitter's phone number, and delivery information may be omitted, and the omitted information may be manually inputted (or selected) through the FX remittance interface provided by the financial transaction means in a financial transaction process using a predetermined financial transaction means. Or the input (or selection) itself.

For example, when the delivery contents are not necessary in the foreign exchange remittance transaction information, the transmission contents may be omitted from the foreign exchange remittance transaction information included in the IC card storage information for the foreign exchange remittance processing.

When the predetermined information on the IC card storage information provided in the forex transfer dedicated IC card is generated by the information generation unit 835, the card issuing unit 840 sends the forex transfer through a predetermined card issuing device. It is characterized in that the forex transfer dedicated IC card containing the IC card storage information for processing (or the IC card storage information for the forex transfer processing in the forex transfer dedicated IC card), wherein the forex transfer dedicated IC card is Provided (or delivered) to the customer.

Here, the card issuing device comprises a card reader for recording the IC card storage information for the forex transfer processing in the memory provided on the IC chip of the forex transfer dedicated IC card, wherein the information generation unit 835 Is a file structure operable through a COS (Chip Operating System) provided in the IC chip to generate the IC card storage information for the foreign currency remittance processing, the card issuing unit 840 is the foreign currency remittance through the card issuing device By recording the processing IC card storage information in the memory of the IC chip, a predetermined IC card for foreign currency transfer to be issued to the customer is issued.

The forex transfer dedicated IC card produced as described above is provided to the customer and / or is delivered to the customer according to a predetermined card providing procedure, after which the customer is dedicated to the forex transfer through the financial system according to the present invention. IC card will be used.

Thereafter, the information storage unit 830 is the card issuing customer based on the application information for issuing IC card issuance dedicated IC card and the IC card storage information for foreign exchange remittance received from the customer through the information receiving unit 825, IC card registration information for confirming the customer information of, and / or at least one IC card storage information issued to the IC card in the issuing IC card issuing process, and / or the IC card storage information for the foreign currency transfer processing Characterized in that the storage medium 810 to store the IC card issuance information dedicated to the foreign exchange remittance, including at least one or more at least one foreign exchange remittance transaction information contained in.

Here, the customer information included in the issuing IC card issuing information, it is preferable that the customer information included in the remittance of the foreign currency remittance when the foreign currency transfer via the IC card dedicated to the foreign exchange remittance, if the remitter is an enterprise Information (e.g., company name, corporate registration number (or business registration number), address, etc.), and if the remitter is an individual, the personal information (e.g. personal name, social security number, address, etc.) desirable.

In addition, at least one IC card registration information included in the IC card issuance information, which is issued to the IC card (for example, recorded in a memory provided in the IC card) during the FX card issuance process. As the card application information for confirming the IC card storage information, the IC card registration information preferably includes card application information for confirming the IC card storage information for the foreign currency remittance processing.

According to the method of the present invention, when the forex transfer dedicated IC card has a predetermined electronic bankbook function, the forex transfer dedicated IC card includes IC card storage information corresponding to the electronic bankbook (for example, corresponding to the electronic bankbook function). Card application) (e.g., recorded in a memory provided in the IC card dedicated to the foreign currency transfer), and the IC card registration information includes card application information for confirming an electronic bankbook mounted in the IC card dedicated to the foreign currency transfer. It is preferable to make it.

Alternatively, when the foreign currency transfer dedicated IC card has at least one credit card function, the IC card storage information corresponding to the credit card (for example, a card application corresponding to the credit card function) is included in the foreign currency transfer dedicated IC card. (E.g., recorded in a memory provided in the forex transfer dedicated IC card), and correspondingly, the IC card registration information includes at least one or more credits for identifying at least one or more credit cards mounted in the forex transfer dedicated IC card. It is desirable to include credit card application information.

Alternatively, when the foreign currency transfer dedicated IC card has at least one check card function, the foreign currency transfer dedicated IC card has IC card storage information (eg, a card application corresponding to the check card function) corresponding to the check card. (E.g., recorded in a memory provided in the forex transfer dedicated IC card), and correspondingly, the IC card registration information is at least one or more for identifying at least one or more check cards mounted in the forex transfer dedicated IC card. It is preferable to include the check card application information.

Alternatively, when the foreign currency transfer-only IC card has at least one debit card function, the IC card storage information corresponding to the debit card (eg, a card application corresponding to the debit card function) is included in the foreign currency transfer-only IC card. (E.g., recorded in a memory provided in the forex transfer dedicated IC card), and correspondingly, the IC card registration information includes at least one or more debit cards for identifying at least one or more debit cards mounted on the forex transfer dedicated IC card. It is desirable to include debit card application information.

Alternatively, when the foreign currency transfer dedicated IC card has at least one prepaid card function, the foreign currency transfer dedicated IC card has IC card storage information corresponding to the prepaid card (for example, a card application corresponding to the prepaid card function). (E.g., recorded in a memory provided in the forex transfer dedicated IC card), and correspondingly, the IC card registration information includes at least one or more prepaid cards for identifying at least one prepaid card mounted in the forex transfer dedicated IC card. It is desirable to include prepaid card application information.

In addition, the at least one foreign exchange remittance transaction information included in the forex transfer-only IC card issuing information, the at least one foreign exchange remittance transaction information included in the forex remittance processing IC card storage information mounted on the forex remittance dedicated IC card It is preferable to comprise a.

Here, the foreign currency remittance transaction information included in the IC card issuance information, a predetermined remittance classification (eg, gift women, international students, overseas systems, etc.), currency code, remittance amount, fee bearer, region At least one code, country code, bank number, bank name, bank name, bank address, bank name, payee, payee account number, payee address, payee phone number, sender's name, sender's address, remitter's phone number, delivery details, etc. It is preferable to comprise.

9 is a diagram illustrating a card issuing process for issuing an IC card exclusively for foreign currency transfer according to an embodiment of the present invention.

In more detail, in FIG. 9, in the card issuing system shown in FIG. 8, a predetermined customer issues the card issuing server through a predetermined card issuing interface (eg, an IC card issuing application, an employee terminal, and a financial network 200, etc.). When the predetermined IC card issuance application information is transmitted to 805, the card issuing server 805 is in the process of issuing a predetermined IC card issuance application based on the IC card issuance application information. For those of ordinary skill in the art to which the present invention pertains, various analogous methods of issuing the forex transfer-specific IC card for issuing the forex-exchange IC card by referring to and / or modifying the drawing 9 are inferred. It should be noted that the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

For example, FIG. 9 illustrates that the foreign currency transfer dedicated IC card is produced and provided (or shipped) to the customer, and then the predetermined foreign exchange dedicated IC card issuing information is stored in the storage medium 810. According to the intention of the person skilled in the art, the process of storing the predetermined forex transfer dedicated IC card issuing information in the storage medium 810 may be performed before manufacturing the forex transfer dedicated IC card or after the forex transfer dedicated IC card is produced. It may be performed before being provided (or shipped) to a customer, and the present invention is not limited thereto.

Hereinafter, in FIG. 9, the card issuing terminal 800 shown in FIG. 8 is called "terminal" for convenience, and the card issuing server 805 is called "server" for convenience.

Referring to FIG. 9, for the issuance of the IC card issuing application, the customer prepares a predetermined IC card issuing application including a predetermined IC card issuing application information, and is provided by the terminal (or the server). Through the predetermined card issuing interface (Supplied from) provides the exchange transfer dedicated IC card issuing application information to the server (900).

Here, the card issuing interface preferably comprises an IC card issuance application prepared by the customer, an employee terminal used by the employee of the financial institution, and a financial network 200 connecting the employee terminal and the server.

In addition, the forex transfer-only IC card issuing application information provided to the server through the card issuing interface is customer information of the card issuing customer, forex remittance dedicated to confirm that the card issued to the customer is the forex transfer-only IC card. At least one of the IC card information, the financial account information that the foreign currency remittance amount is withdrawn during a predetermined foreign exchange remittance transaction, and at least one or more foreign exchange remittance transaction information.

When a predetermined forex transfer dedicated IC card issuance application information is received through the card issuing interface, the server reads the received forex transfer dedicated IC card issuance application information, thereby issuing the forex transfer dedicated IC card to the customer. Validity can be verified (905).

Here, the card issuance validity check is preferably made by confirming that the customer information included in the application for issuing IC card issuance dedicated to the foreign currency transfer, and whether the customer is a customer capable of foreign currency transfer transactions.

For example, if the customer is a minor, limited purchaser, in garrison, and / or the customer is a bad creditor and / or a criminal who can escape assets abroad, the issuance of the IC card is limited to the customer. The server for the validation may be associated with at least one external server (eg, credit rating server, police server, etc.).

In addition, the card issuance validity check is preferably made by confirming the financial account information included in the application information issuance application dedicated to foreign exchange remittance, it is confirmed that the financial account is a financial account capable of foreign currency remittance transactions.

For example, the financial account information is not a valid account opened in a financial system equipped with the server, and / or an account (for example, a savings account or an account exceeding a negative limit, etc.) for which foreign currency remittance in the form of free withdrawal and withdrawal is restricted. In this case, the issuance of the forex transfer-only IC card may be restricted to the customer.

In addition, the card issuance validity check, it is preferable to check whether the forex transfer transaction information contained in the application information issuance application for exclusive use of the forex transfer IC card, to check whether the forex transfer transaction contains information that may cause forex transfer error. Do.

For example, the remittance classification included in the foreign exchange remittance transaction information (e.g., women, international students, overseas systems, etc.), currency code, area code, country code, bank number, deposit bank name, deposit bank address, deposit bank store name, etc. When the imported information is included, the issuance of the IC card dedicated to the forex transfer may be restricted.

If the validity of issuing the forex transfer-only IC card to the customer is not authenticated (910), the server issues a card issuance error to the customer through the card issuing interface. Provide information (915) and stop issuing the IC card dedicated to the customer.

If the validity of issuing the foreign exchange transfer-only IC card to the customer through the foreign currency transfer-only IC card issuing application information is authenticated (910), the server is based on the foreign currency transfer-only IC card issuing application information to the customer In operation 920, predetermined IC card storage information corresponding to the IC card dedicated to the foreign currency remittance to be issued is generated.

According to an exemplary embodiment of the present invention, the IC card storage information for the foreign currency remittance processing may be provided to the IC card dedicated to the FX remittance (for example, recorded in a memory provided in the IC card dedicated to the foreign currency remittance and provided in the IC card). It is preferably generated in the form of a card application (e.g., program code executable on the IC card platform and program data used by the program code), which is executable through a predetermined processor.

According to another exemplary embodiment of the present invention, if a predetermined card application corresponding to the IC card storage information for the forex transfer processing is provided in the forex transfer dedicated IC card (eg, provided in the forex transfer dedicated IC card). When a predetermined card application corresponding to the IC card storage information for the foreign currency remittance processing is previously recorded in a memory), the IC card storage information for the foreign currency remittance processing is generated in the form of program data included in the card application. desirable.

Here, the at least one foreign exchange remittance transaction information included in the IC card storage information for the foreign currency remittance processing is program data of a card application included in the foreign exchange remittance dedicated IC card, and is provided with a predetermined financial transaction means (for example, a financial institution window). Face-to-face financial transaction means, or non-face-to-face financial transaction means including at least one or more of Internet banking and / or wireless banking and / or telebanking and / or TV banking and / or home banking). Forex remittance transaction includes at least one information that the customer must input (or select) through the forex remittance interface provided by the financial transaction means.

According to an exemplary embodiment of the present invention, the foreign exchange remittance transaction information included in the IC card storage information for the foreign exchange remittance processing may include a predetermined remittance classification (for example, a gift woman, an overseas student, an overseas system), a currency code, Remittance amount, fee bearer, area code, country code, bank number, bank name, bank name, bank address, bank name, payee, payee account number, payee address, payee phone number, sender's name, sender's address, sender's phone number, It is preferable that the contents including at least one or more.

According to another exemplary embodiment of the present invention, the foreign currency remittance transaction information included in the IC card storage information for the foreign currency remittance processing is based on the remittance transaction type and / or the foreign currency remittance amount, and the remittance classification (eg, gift increase). , International student, overseas system, etc.), currency code, remittance amount, fee bearer, area code, country code, bank number, bank name of bank, bank address, bank name of bank, payee, payee account number, payee address, payee Some of the telephone number, the remitter's name, the remitter's address, the remitter's telephone number, and the contents of the transmission may be omitted, and the omitted information may refer to the foreign currency remittance interface provided by the financial transaction means in a financial transaction process using a predetermined financial transaction means. Can be entered manually (or selected) or omitted (or selected) itself.

For example, if the remittance amount of the remittance transaction information is different for each remittance, the remittance amount may be omitted from the remittance transaction information included in the IC card storage information for the remittance processing.

According to another exemplary embodiment of the present invention, the foreign exchange remittance transaction information included in the IC card storage information for the foreign exchange remittance processing is the remittance classification (for example, gift female, international student, overseas system, etc.) ), Currency code, remittance amount, fee bearer, area code, country code, bank number, bank name, bank name of bank, bank name of bank, beneficiary, beneficiary account number, beneficiary address, beneficiary phone number, remittee name, remitter address , Some of the remitter's telephone number and the contents of the transmission may be omitted, and the omitted information may be manually inputted (or selected) through the foreign exchange remittance interface provided by the financial transaction means in a financial transaction process using a predetermined financial transaction means. Or omit the input (or selection) itself.

For example, when the delivery contents are not necessary in the foreign exchange remittance transaction information, the transmission contents may be omitted from the foreign exchange remittance transaction information included in the IC card storage information for the foreign exchange remittance processing.

According to an embodiment of the present invention, the generated IC card storage information for the foreign currency remittance processing preferably includes a file structure operable through a chip operating system (COS) provided in the IC chip.

Thereafter, the server prepares a predetermined forex transfer dedicated IC card having the IC card storage information for the forex transfer processing through a predetermined card issuing device and provides (or delivers) the card to the customer (925).

According to the method of the present invention, the card issuing device preferably comprises a card reader for recording the IC card storage information for the forex transfer processing in a memory provided in the IC chip of the forex transfer dedicated IC card.

Subsequently, the server generates a predetermined forex transfer-only IC card issuing information through the forex transfer IC card issuance application information provided from the customer and the generated forex transfer processing IC card storage information provided from the customer through the card issuing interface. In operation 930, the IC card issuance information for the foreign currency remittance is stored in the storage medium 810 (935).

The IC card issuing information for the foreign exchange remittance may include an IC card for confirming customer information of the card issuing customer and / or at least one IC card storage information issued to the IC card in the process of issuing the IC card. Storing the foreign exchange remittance-only IC card issuing information including at least one or more registered information and / or at least one foreign exchange remittance transaction information included in the IC card storing information for the foreign exchange remittance processing, in the storage medium 810. It is done.

Here, the customer information included in the issuing IC card issuing information, it is preferable that the customer information included in the remittance of the foreign currency remittance when the foreign currency transfer via the IC card dedicated to the foreign exchange remittance, if the remitter is an enterprise Information (e.g., company name, corporate registration number (or business registration number), address, etc.), and if the remitter is an individual, the personal information (e.g. personal name, social security number, address, etc.) desirable.

In addition, the IC card registration information included in the IC card issuance information, the at least one of the IC card issuance process (for example, recorded in the memory provided in the IC card) issued to the IC card in the process of issuing the IC card dedicated to the foreign currency transfer. As card application information for confirming one or more IC card storage information, the IC card registration information preferably includes card application information for confirming the IC card storage information for foreign currency remittance processing.

According to the method of the present invention, when the forex transfer dedicated IC card has a predetermined electronic bankbook function, the forex transfer dedicated IC card includes IC card storage information corresponding to the electronic bankbook (for example, corresponding to the electronic bankbook function). Card application) (e.g., recorded in a memory provided in the IC card dedicated to the foreign currency transfer), and the IC card registration information includes card application information for confirming an electronic bankbook mounted in the IC card dedicated to the foreign currency transfer. It is preferable to make it.

Alternatively, when the foreign currency transfer dedicated IC card has at least one credit card function, the IC card storage information corresponding to the credit card (for example, a card application corresponding to the credit card function) is included in the foreign currency transfer dedicated IC card. (E.g., recorded in a memory provided in the forex transfer dedicated IC card), and correspondingly, the IC card registration information includes at least one or more credits for identifying at least one or more credit cards mounted in the forex transfer dedicated IC card. It is desirable to include credit card application information.

Alternatively, when the foreign currency transfer dedicated IC card has at least one check card function, the foreign currency transfer dedicated IC card has IC card storage information (eg, a card application corresponding to the check card function) corresponding to the check card. (E.g., recorded in a memory provided in the forex transfer dedicated IC card), and correspondingly, the IC card registration information is at least one or more for identifying at least one or more check cards mounted in the forex transfer dedicated IC card. It is preferable to include the check card application information.

Alternatively, when the foreign currency transfer-only IC card has at least one debit card function, the IC card storage information corresponding to the debit card (eg, a card application corresponding to the debit card function) is included in the foreign currency transfer-only IC card. (E.g., recorded in a memory provided in the forex transfer dedicated IC card), and correspondingly, the IC card registration information includes at least one or more debit cards for identifying at least one or more debit cards mounted on the forex transfer dedicated IC card. It is desirable to include debit card application information.

Alternatively, when the foreign currency transfer dedicated IC card has at least one prepaid card function, the foreign currency transfer dedicated IC card has IC card storage information corresponding to the prepaid card (for example, a card application corresponding to the prepaid card function). (E.g., recorded in a memory provided in the forex transfer dedicated IC card), and correspondingly, the IC card registration information is at least one or more for identifying at least one prepaid card mounted in the forex transfer dedicated IC card. It is desirable to include prepaid card application information.

In addition, the at least one foreign exchange remittance transaction information included in the forex transfer-only IC card issuing information, the at least one foreign exchange remittance transaction information included in the forex remittance processing IC card storage information mounted on the forex remittance dedicated IC card It is preferable to comprise a.

Here, the foreign exchange remittance transaction information included in the IC card issuance information, a predetermined remittance classification (eg, gift women, international students, overseas systems, etc.), currency code, remittance amount, fee bearer, area code At least one country code, bank number, bank name, bank name, bank address, bank name, payee, payee account number, payee address, payee phone number, sender's name, sender's address, sender's phone number, delivery details, etc. It is preferable to make it.

According to an embodiment of the present invention, the storage medium 810 is provided in a DBMS on a predetermined financial system provided on (or associated with) the financial system, and / or the foreign exchange on the financial system. It is preferable that a predetermined DBMS interworking with a server (or a device) performing a predetermined information processing function using the remittance-only IC card issue information.

In addition, the issuing IC card issuing information stored in the storage medium 810 issuing the at least one IC card storage information for the forex transfer IC card after issuing the forex transfer-only IC card, the issuing IC card storage information. (Or save, or update).

FIG. 10 is a diagram illustrating a card issuing system for issuing an IC card exclusively for foreign currency transfer according to another embodiment of the present invention.

In more detail, Figure 10 shows that a predetermined customer provides a foreign exchange remittance-only IC card issuing application information for issuing a foreign exchange remittance-only IC card according to the present invention to a financial system through a card issuing interface including a predetermined client terminal. The system is a system configuration for issuing a predetermined foreign exchange transfer dedicated IC card to the customer based on the provided application information for the foreign exchange transfer dedicated IC card in the financial system, if the person having ordinary knowledge in the technical field to which the present invention belongs By referring to and / or modifying the drawing 10, it is possible to infer various implementation methods for the card issuance system configuration for issuing IC cards dedicated to foreign exchange remittance, but the present invention includes all the implementation methods inferred above, It is not limited only to the implementation method shown in FIG.

Hereinafter, at least one of issuing a predetermined forex transfer-only IC card to the customer based on the application information for issuing a forex transfer-only IC card provided from the customer through a predetermined card issuing interface on the card issuing system shown in FIG. 10. Components corresponding to the above means and / or functional configuration are referred to as "card issuing server 805" for convenience.

Referring to FIG. 10 according to an embodiment of the present invention, a card issuing system for issuing an IC card exclusively for foreign currency transfer according to the present invention includes a client terminal including at least one wired terminal and / or a wireless terminal used by the customer. The client terminal is connected to the card issuing server 805 provided on the financial system through a predetermined network means is connected to the communication channel.

According to an embodiment of the present invention, when the card issuing system supports a non-face-to-face card issuing application, the customer is at least one of a wired terminal connected to a predetermined wired network and / or a wireless terminal connected to a predetermined wireless communication network. Forex remittance dedicated IC for issuing a forex remittance dedicated IC card according to the present invention through at least one user interface connected to the card issuance server 805 through at least one client terminal and provided by the card issuance server 805. When the card issuing application information is input (or selected), the client terminal preferably transmits the card issuing server 805 provided on the financial system through a predetermined network means.

Here, the wired terminal connected to the wired network is a generic term for all terminal devices connected to a TCP / IP based communication network, and a desktop computer and / or a laptop connected to the TCP / IP based communication network. (Notebook) or a home appliance terminal (eg, Set-Top-Box) connected to the TCP / IP based communication network, or a kiosk (KIOSK) connected to the TCP / IP based communication network, etc. It is preferable.

The wireless terminal connected to the wireless network may include all terminal devices connected to a CDMA based mobile communication network, and / or all terminal devices connected to an IEEE 802.16x based mobile Internet, and / or Motorola's DataTAC scheme. And / or a generic term for all terminal devices connected to Erricson's Mobitex-type wireless data communication network, comprising: a Personal Communication System (PCS) and / or a Global System for Mobile communications (GSM) terminal connected to the CDMA-based mobile communication network; And / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or Personal Digital Assistants (PDAs) and / or Smart Phones and / or Telematics Telematics), or a portable Internet terminal connected to the IEEE 802.16x based portable Internet, or the DataTAC / Mobitex based wireless It is preferable to include at least one or more wireless data communication terminal connected to the data communication network.

In addition, the client terminal outputs at least one user interface provided by the card issuing server 805, and inputs and / or selects at least one or more information through the user interface to the card issuing server 805. It is preferable that a function configuration (for example, a browser program and a communication function, or a predetermined communication program and communication function to communicate with the card issuing server 805, etc.) is provided.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the client terminal corresponding to at least one or more wired terminals and / or wireless terminals, and thus the detailed description thereof is omitted for convenience. .

In the card issuing system, a client terminal including at least one or more wired terminal and / or wireless terminal used by the customer, at least one wired network connecting the client terminal and the card issuing server 805 and And / or the wireless network performs a function of a card issuing interface for the customer to register the application information for issuing a dedicated foreign currency transfer IC card for issuing a foreign currency transfer-only IC card according to the present invention.

According to another exemplary embodiment of the present invention, when the card issuing system supports a card issuing application in a non-face-to-face manner, the card issuing terminal 800 is a predetermined financial network 200 (eg, in addition to the client terminal). A financial automatic machine (not shown) including an automatic teller machine (ATM), a cash dispenser (CD) connected to a financial common network, and / or a predetermined public telephone network It further comprises a predetermined call terminal (not shown) connected to a wired telephone network such as a Public Switched Telephone Network (PSTN), a Voice over IP (VoIP) network, and / or a wireless telephone network such as a mobile communication network or a wireless VoIP network. A terminal (and / or server) (not shown) further comprises a predetermined call terminal (not shown) connected to and / or provided in at least one or more institutions affiliated with the financial institution. It may comprise, and to which the present invention is not limited.

In the case of supporting a non-face-to-face card issuance application as described above, when the card issuing terminal 800 is the financial automated device (not shown), the financial automated device (not shown) and the financial automated device ( (Not shown) and the financial network 200 connecting the card issuing server 805 is a card issuing interface for registering the application information for issuing IC card issuance dedicated IC card for issuing the IC card dedicated to the foreign exchange transfer according to the present invention. And / or the card issuing terminal 800 is the call terminal (not shown), the call terminal (not shown) and the call terminal (not shown) and the card issuing server 805 The wired telephone network and / or the wireless telephone network connecting the card issuing interface for registering the application information for issuing IC card issuance dedicated for foreign exchange remittance IC card issuance according to the present invention And / or a terminal (and / or server) (not shown) provided to an institution affiliated with the financial institution that is the card issuing terminal 800 (not shown), and the terminal (and / or server) (not shown). O) and the network connecting the terminal (and / or server) (not shown) and the card issuing server 805 application for issuing the IC card issuance dedicated for foreign exchange remittance IC card for the customer to issue the IC card dedicated to the foreign exchange transfer according to the present invention It performs the function of card issuing interface for registering information.

The storage medium 810 provided on the financial system according to the present invention provides a predetermined foreign exchange transfer-only IC card to the customer based on the application information for issuing the IC card dedicated to the foreign exchange transfer provided from the card issuing terminal 800. After issuing, it is characterized in that for storing the foreign currency transfer-only IC card issuing information according to the issuance of the foreign currency transfer-only IC card, the foreign currency transfer-only IC card issuing information stored in the storage medium 810 is the invention on the financial system It is used for issuing IC card exclusively for foreign currency remittance.

According to one embodiment of the invention, the storage medium 810 is preferably provided in a DBMS on a predetermined financial system provided on (or associated with) the financial system, wherein the storage medium 810 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, by which the present invention is not limited.

According to another method of the present invention, the storage medium 810 is an Internet banking system, and / or a telebanking system, and / or a wireless banking system, and / or provided on (or associated with) the financial system. It is possible to be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 810 is linked to a server (or device) that performs a predetermined information processing function using the IC card issuance information dedicated to the foreign currency transfer on the financial system. It is preferable that the DBMS is provided. At this time, the location where the storage medium 810 is provided may be variously performed according to the intention of those skilled in the art, and the present invention is not limited thereto.

The card issuing server 805 provided on the financial system according to the present invention is a generic term for the components of the financial system connected to the card issuing terminal 800 through a predetermined network means, and includes at least one server (or Device) and / or at least one program recorded on a recording medium provided in a predetermined server (or device), and the present invention is not limited thereto.

According to an embodiment of the present invention, the card issuing server 805 is characterized in that it comprises an interface unit 815 for providing a predetermined card issuing interface to the card issuing terminal 800 through the network means. .

According to an embodiment of the present invention, when the card issuing terminal 800 is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired network and / or a wireless network, the interface unit 815 At least one or more information (or a predetermined communication channel) is connected to the client terminal based on a protocol stack defined in the wired network and / or a wireless network, and using a communication protocol defined in a communication program included in the client terminal. It is desirable to provide a communication interface for transmitting and receiving data.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 815 connects a communication channel with the client terminal based on the TCP / IP protocol, It provides a communication interface for transmitting and receiving web pages (eg, Hyper-Text Markup Language (HTML) compatible web pages) and / or information using the HTPP protocol defined in the browser program.

Alternatively, when the client terminal is provided with a predetermined card issuing application program provided by the card issuing server 805, the interface unit 815 establishes a communication channel with the client terminal based on the TCP / IP protocol. And a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the card issuing terminal 800 is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface unit 815 implements a protocol stack defined in the wireless network. It is preferable to provide a communication interface for connecting at least one communication channel with the client terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol is provided in the client terminal, the interface unit 815 communicates with the client terminal based on the CDMA protocol. And a communication interface for transmitting and receiving web pages (e.g., WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information using the WAP / ME protocol defined in the browser program. .

Or, if the client terminal is provided with a card issuance application program provided by the card issuing server 805, the interface unit 815 connects a communication channel with the client terminal based on the CDMA protocol, the communication Provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the program.

Referring to FIG. 10, the card issuing server 805 is interworked with the interface unit 815 when a predetermined card issuing terminal 800 is connected to the card issuing server 805 through the interface unit 815. By generating (or extracting) a predetermined user interface for inputting (or selecting) predetermined IC card issuance application information from the card issuing terminal 800 and providing the card issuing terminal 800 to the card issuing terminal 800. Receives application information for issuing IC card issuance information dedicated to the interface transfer unit 820 and inputting (or selecting) the card issuing terminal 800 through the user interface in cooperation with the interface unit 815. An IC card for processing a predetermined foreign exchange transfer corresponding to a foreign exchange transfer-only IC card to be issued to the customer based on the information receiving unit 825 and the application for issuing IC card issue application information. An information generating unit 835 for generating stored information, a card issuing unit 840 for issuing a predetermined forex transfer-only IC card including the forex transfer processing IC card storage information through a predetermined card issuing device; And an information storage unit 830 configured to store, on the storage medium 810, foreign exchange remittance dedicated IC card issuing information corresponding to the foreign exchange remittance dedicated IC card issued to the customer.

The interface providing unit 820 corresponds to a functional configuration provided in the card issuing terminal 800 when a predetermined card issuing terminal 800 is connected to the card issuing server 805 through the interface unit 815. Generate (or select) the IC card issuance application information for the foreign currency remittance, and generate a predetermined user interface capable of transmitting to the card issuing server 805 through the network means, and / or a predetermined database (not shown). And extract the generated (or extracted) user interface in cooperation with the interface unit 815 to the card issuing terminal 800 through the network means.

Thereafter, the card issuing terminal 800 inputs (or selects) the application information for issuing the IC card issuance dedicated to the foreign currency remittance based on the user interface, and inputs the application information for issuing the IC card issuance information dedicated to the foreign currency transfer only. The card issuing server 805 is transmitted through a network means.

According to an embodiment of the present invention, when the card issuing terminal 800 is an employee terminal connected to a predetermined financial network 200, the interface providing unit 820 is a card issuing application program provided in the employee terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided, and to provide the employee terminal with the generated (or extracted) user interface through the interface unit 815.

According to another exemplary embodiment of the present invention, when the card issuing terminal 800 is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired network and / or a wireless network, the interface providing unit 820 ) Generates (or extracts) a predetermined user interface that can be provided to a browser program and / or a communication program provided in the client terminal, and generates the generated (or extracted) user interface through the interface unit 815 to the client. It is preferable to provide to the terminal.

According to another exemplary embodiment of the present invention, when the card issuing terminal 800 is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface providing unit 820 is a browser provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided by a program and / or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 815.

The information receiving unit 825 inputs (or selects) predetermined foreign currency transfer-only IC card issuing application information through the user interface from the card issuing terminal 800 and transmits the information through the network means. The IC card issuing application information is received in connection with the foreign exchange remittance dedicated IC card issuance, and the received FX transfer dedicated IC card issuing application information is provided to the information generator 835.

According to the implementation method of the present invention, the application information for issuing the dedicated IC card issuance information is the customer information of the card issuing customer, the IC card information dedicated to the foreign currency remittance to confirm that the card issued to the customer is the IC card dedicated to the foreign currency transfer, In the foreign exchange remittance transaction of the foreign currency transfer amount is preferably made of at least one or more financial account information, and at least one forex remittance transaction information.

The information generation unit 835 is a predetermined forex transfer processing IC card to be provided in the forex transfer dedicated IC card to the customer based on the application information for issuing the forex transfer dedicated IC card received through the information receiving unit 825. Characterized in that the stored information is generated, wherein the IC card storage information for foreign exchange remittance processing comprises at least one foreign exchange remittance transaction information.

According to an exemplary embodiment of the present invention, the IC card storage information for the foreign currency remittance processing may be provided to the IC card dedicated to the FX remittance (for example, recorded in a memory provided in the IC card dedicated to the foreign currency remittance and provided in the IC card). It is preferably generated in the form of a card application (e.g., program code executable on the IC card platform and program data used by the program code), which is executable through a predetermined processor.

According to another exemplary embodiment of the present invention, if a predetermined card application corresponding to the IC card storage information for the forex transfer processing is provided in the forex transfer dedicated IC card (eg, provided in the forex transfer dedicated IC card). When a predetermined card application corresponding to the IC card storage information for the foreign currency remittance processing is previously recorded in a memory), the IC card storage information for the foreign currency remittance processing is generated in the form of program data included in the card application. desirable.

Here, the at least one foreign exchange remittance transaction information included in the IC card storage information for the foreign currency remittance processing is program data of a card application included in the foreign exchange remittance dedicated IC card, and is provided with a predetermined financial transaction means (for example, a financial institution window). Face-to-face financial transaction means, or non-face-to-face financial transaction means including at least one or more of Internet banking and / or wireless banking and / or telebanking and / or TV banking and / or home banking). Forex remittance transaction includes at least one information that the customer must input (or select) through the forex remittance interface provided by the financial transaction means.

According to an exemplary embodiment of the present invention, the foreign exchange remittance transaction information included in the IC card storage information for the foreign exchange remittance processing may include a predetermined remittance classification (for example, a gift woman, an overseas student, an overseas system), a currency code, Remittance amount, fee bearer, area code, country code, bank number, bank name, bank name, bank address, bank name, payee, payee account number, payee address, payee phone number, sender's name, sender's address, sender's phone number, It is preferable that the contents including at least one or more.

According to another exemplary embodiment of the present invention, the foreign exchange remittance transaction information included in the IC card storage information for the foreign currency remittance processing is based on the remittance transaction type and / or the foreign exchange remittance amount, and the remittance classification (eg, a gift increaser). , International student, overseas system, etc.), currency code, remittance amount, fee bearer, area code, country code, bank number, bank name of bank, bank address, bank name of bank, payee, payee account number, payee address, payee Some of the telephone number, the remitter's name, the remitter's address, the remitter's telephone number, and the contents of the transmission may be omitted, and the omitted information may refer to the foreign currency remittance interface provided by the financial transaction means in a financial transaction process using a predetermined financial transaction means. Can be entered manually (or selected) or omitted (or selected) itself.

For example, if the remittance amount of the remittance transaction information is different for each remittance, the remittance amount may be omitted from the remittance transaction information included in the IC card storage information for the remittance processing.

According to another exemplary embodiment of the present invention, the foreign exchange remittance transaction information included in the IC card storage information for the foreign exchange remittance processing is the remittance classification (for example, gift female, international student, overseas system, etc.) ), Currency code, remittance amount, fee bearer, area code, country code, bank number, bank name, bank address, bank name, payee, payee account number, payee address, payee phone number, sender's name, remitter Some of the address, remitter's phone number, and delivery information may be omitted, and the omitted information may be manually inputted (or selected) through the FX remittance interface provided by the financial transaction means in a financial transaction process using a predetermined financial transaction means. Or the input (or selection) itself.

For example, when the delivery contents are not necessary in the foreign exchange remittance transaction information, the transmission contents may be omitted from the foreign exchange remittance transaction information included in the IC card storage information for the foreign exchange remittance processing.

When the predetermined information on the IC card storage information provided in the forex transfer dedicated IC card is generated by the information generation unit 835, the card issuing unit 840 sends the forex transfer through a predetermined card issuing device. It is characterized in that the forex transfer dedicated IC card containing the IC card storage information for processing (or the IC card storage information for the forex transfer processing in the forex transfer dedicated IC card), wherein the forex transfer dedicated IC card is Provided (or delivered) to the customer.

Here, the card issuing device comprises a card reader for recording the IC card storage information for the forex transfer processing in the memory provided on the IC chip of the forex transfer dedicated IC card, wherein the information generation unit 835 Is a file structure operable through a COS (Chip Operating System) provided in the IC chip to generate the IC card storage information for the foreign currency remittance processing, the card issuing unit 840 is the foreign currency remittance through the card issuing device By recording the processing IC card storage information in the memory of the IC chip, a predetermined IC card for foreign currency transfer to be issued to the customer is issued.

The forex transfer dedicated IC card produced as described above is provided to the customer and / or is delivered to the customer according to a predetermined card providing procedure, after which the customer is dedicated to the forex transfer through the financial system according to the present invention. IC card will be used.

Thereafter, the information storage unit 830 is the card issuing customer based on the application information for issuing IC card issuance dedicated IC card and the IC card storage information for foreign exchange remittance received from the customer through the information receiving unit 825, IC card registration information for confirming the customer information of, and / or at least one IC card storage information issued to the IC card in the issuing IC card issuing process, and / or the IC card storage information for the foreign currency transfer processing Characterized in that the storage medium 810 to store the IC card issuance information dedicated to the foreign exchange remittance, including at least one or more at least one foreign exchange remittance transaction information contained in.

Here, the customer information included in the issuing IC card issuing information, it is preferable that the customer information included in the remittance of the foreign currency remittance when the foreign currency transfer via the IC card dedicated to the foreign exchange remittance, if the remitter is an enterprise Information (e.g., company name, corporate registration number (or business registration number), address, etc.), and if the remitter is an individual, the personal information (e.g. personal name, social security number, address, etc.) desirable.

In addition, at least one IC card registration information included in the IC card issuance information, which is issued to the IC card (for example, recorded in a memory provided in the IC card) during the FX card issuance process. As the card application information for confirming the IC card storage information, the IC card registration information preferably includes card application information for confirming the IC card storage information for the foreign currency remittance processing.

According to the method of the present invention, when the forex transfer dedicated IC card has a predetermined electronic bankbook function, the forex transfer dedicated IC card includes IC card storage information corresponding to the electronic bankbook (for example, corresponding to the electronic bankbook function). Card application) (e.g., recorded in a memory provided in the IC card dedicated to the foreign currency transfer), and the IC card registration information includes card application information for confirming an electronic bankbook mounted in the IC card dedicated to the foreign currency transfer. It is preferable to make it.

Alternatively, when the FX transfer dedicated IC card has at least one credit card function, the IC card storage information (eg, a card application corresponding to the credit card function) is included in the FX transfer dedicated IC card. (E.g., recorded in a memory provided in the forex transfer dedicated IC card), and correspondingly, the IC card registration information includes at least one or more credits for identifying at least one or more credit cards mounted in the forex transfer dedicated IC card. It is desirable to include credit card application information.

Alternatively, when the foreign currency transfer dedicated IC card has at least one check card function, the foreign currency transfer dedicated IC card has IC card storage information (eg, a card application corresponding to the check card function) corresponding to the check card. (E.g., recorded in a memory provided in the forex transfer dedicated IC card), and correspondingly, the IC card registration information is at least one or more for identifying at least one or more check cards mounted in the forex transfer dedicated IC card. It is preferable to include the check card application information.

Alternatively, when the foreign currency transfer-only IC card has at least one debit card function, the IC card storage information corresponding to the debit card (eg, a card application corresponding to the debit card function) is included in the foreign currency transfer-only IC card. (E.g., recorded in a memory provided in the forex transfer dedicated IC card), and correspondingly, the IC card registration information is at least one for identifying at least one debit card mounted in the forex transfer dedicated IC card. It is preferable that the above debit card application information is included.

Alternatively, when the foreign currency transfer dedicated IC card has at least one prepaid card function, the foreign currency transfer dedicated IC card has IC card storage information corresponding to the prepaid card (for example, a card application corresponding to the prepaid card function). (E.g., recorded in a memory provided in the forex transfer dedicated IC card), and correspondingly, the IC card registration information includes at least one or more prepaid cards for identifying at least one prepaid card mounted in the forex transfer dedicated IC card. It is desirable to include prepaid card application information.

In addition, the at least one foreign exchange remittance transaction information included in the forex transfer-only IC card issuing information, the at least one foreign exchange remittance transaction information included in the forex remittance processing IC card storage information mounted on the forex remittance dedicated IC card It is preferable to comprise a.

Here, the foreign exchange remittance transaction information included in the IC card issuance information, a predetermined remittance classification (eg, gift women, international students, overseas systems, etc.), currency code, remittance amount, fee bearer, area code At least one country code, bank number, bank name, bank name, bank address, bank name, payee, payee account number, payee address, payee phone number, sender's name, sender's address, sender's phone number It is preferable to comprise.

Figure 11  Forex remittance only according to another embodiment of the present invention IC A diagram illustrating a card issuing process for issuing a card.

In more detail  example Figure 11  remind On drawing 10  In the illustrated card issuing system, a predetermined customer sends a predetermined card to the card issuing server 805 via a predetermined card issuing interface (e.g., client terminal and network means including at least one wired terminal and / or wireless terminal). Forex transfer only IC When the card issuance application information is transmitted, the card issuance server 805 is dedicated to the foreign currency remittance. IC Predetermined forex transfer based on card issuance application information IC As for the process of issuing a card, the person of ordinary skill in the art to which the present invention pertains, Drawing 11  Forex transfer only by reference and / or variation IC Forex remittance only for card issue IC It will be possible to infer various implementation methods for issuing a card, but the present invention includes all of the inferred implementation methods. In Figure 11  It is not limited to the implementation method shown.

For example, Figure 11  Forex transfer only IC After making and providing (or delivering) a card to the customer, a predetermined foreign exchange remittance to the storage medium 810 is made. IC Although shown and described as storing the card issuing information, dedicated foreign currency transfer dedicated to the storage medium 810 according to the intention of the skilled person IC The process of storing the card issuing information is for the foreign exchange transfer only IC Before making a card or for the above foreign currency remittance only IC It may be performed after the card is manufactured and before it is provided (or shipped) to the customer, and the present invention is not limited thereto.

Below In Figure 11  remind On drawing 10  The illustrated card issuing terminal 800 is referred to as a "terminal" for convenience, and the card issuing server 805 is referred to as a "server" for convenience.

Drawing 11  For reference, the foreign currency transfer only IC Access to the server through the terminal for card issuance, and dedicated foreign currency remittance only through a predetermined card issuing interface provided by the server IC The card issuing application information is input (or selected) and provided to the server (1100).

Here, the card issuing interface preferably comprises a predetermined client terminal used by the customer and network means for connecting the client terminal and the server.

In addition, the forex transfer-only IC card issuing application information provided to the server through the card issuing interface is the customer information of the card issuing customer, forex remittance dedicated to confirm that the card issued to the customer is the forex transfer-only IC card. At least one of the IC card information, the financial account information that the foreign currency remittance amount is withdrawn during the predetermined foreign exchange remittance transaction, and at least one or more foreign exchange remittance transaction information.

When a predetermined forex transfer dedicated IC card issuance application information is received through the card issuing interface, the server reads the received forex transfer dedicated IC card issuance application information, thereby issuing the forex transfer dedicated IC card to the customer. The validity is verified (1105).

Here, the card issuance validity check is preferably made by confirming that the customer information included in the application for issuing IC card issuance dedicated to the foreign currency transfer, and whether the customer is a customer capable of foreign currency transfer transactions.

For example, if the customer is a minor, limited purchaser, abandoner, and / or the customer is a bad creditor and / or a criminal who can evacuate assets abroad, the issuance of the IC card is limited to the customer. The server for the validation may be associated with at least one external server (eg, credit rating server, police server, etc.).

In addition, the card issuance validity check is preferably made by confirming the financial account information included in the application information issuance application dedicated to foreign exchange remittance, it is confirmed that the financial account is a financial account capable of foreign currency remittance transactions.

For example, the financial account information is not a valid account opened in a financial system equipped with the server, and / or an account (for example, a savings account or an account exceeding a negative limit, etc.) for which foreign currency remittance in the form of free withdrawal and withdrawal is restricted. In this case, the issuance of the forex transfer-only IC card may be restricted to the customer.

In addition, the card issuance validity check, it is preferable to check whether the forex transfer transaction information contained in the application information issuance application for exclusive use of the forex transfer IC card, to check whether the forex transfer transaction contains information that may cause forex transfer error. Do.

For example, the remittance classification included in the foreign exchange remittance transaction information (e.g., women, international students, overseas systems, etc.), currency code, area code, country code, bank number, deposit bank name, deposit bank address, deposit bank store name, etc. When the imported information is included, the issuance of the IC card dedicated to the forex transfer may be restricted.

If the validity for issuing the foreign exchange transfer-only IC card to the customer is not authenticated (1110), the server issues a card issue to the customer through the card issuing interface. Provide information (1115) and stop issuing the forex-only IC card to the customer.

When the validity of issuing the FX transfer dedicated IC card to the customer is authenticated through the FX transfer dedicated IC card issuing application information (1110), the server sends the IC card to the customer based on the IC card issuing application information. In operation 1120, predetermined IC card storage information corresponding to the IC card dedicated to the foreign currency remittance to be issued is generated.

According to an exemplary embodiment of the present invention, the IC card storage information for the foreign currency remittance processing may be provided to the IC card dedicated to the FX remittance (for example, recorded in a memory provided in the IC card dedicated to the foreign currency remittance and provided in the IC card). It is preferably generated in the form of a card application (e.g., program code executable on the IC card platform and program data used by the program code), which is executable through a predetermined processor.

According to another exemplary embodiment of the present invention, if a predetermined card application corresponding to the IC card storage information for the forex transfer processing is provided in the forex transfer dedicated IC card (eg, provided in the forex transfer dedicated IC card). When a predetermined card application corresponding to the IC card storage information for the foreign currency remittance processing is previously recorded in a memory), the IC card storage information for the foreign currency remittance processing is generated in the form of program data included in the card application. desirable.

Here, the at least one foreign exchange remittance transaction information included in the IC card storage information for the foreign currency remittance processing is program data of a card application included in the foreign exchange remittance dedicated IC card, and is provided with a predetermined financial transaction means (for example, a financial institution window). Face-to-face financial transaction means, or non-face-to-face financial transaction means including at least one or more of Internet banking and / or wireless banking and / or telebanking and / or TV banking and / or home banking). Forex remittance transaction includes at least one information that the customer must input (or select) through the forex remittance interface provided by the financial transaction means.

According to an exemplary embodiment of the present invention, the foreign exchange remittance transaction information included in the IC card storage information for the foreign exchange remittance processing may include a predetermined remittance classification (for example, a gift woman, an overseas student, an overseas system), a currency code, Remittance amount, fee bearer, area code, country code, bank number, bank name, bank name, bank address, bank name, payee, payee account number, payee address, payee phone number, sender's name, sender's address, sender's phone number, It is preferable that the contents including at least one or more.

According to another exemplary embodiment of the present invention, the foreign exchange remittance transaction information included in the IC card storage information for the foreign currency remittance processing is based on the remittance transaction type and / or the foreign exchange remittance amount, and the remittance classification (eg, a gift increaser). , International student, overseas system, etc.), currency code, remittance amount, fee bearer, area code, country code, bank number, bank name of bank, bank address, bank name of bank, payee, payee account number, payee address, payee Some of the telephone number, the remitter's name, the remitter's address, the remitter's telephone number, and the contents of the transmission may be omitted, and the omitted information may refer to the foreign currency remittance interface provided by the financial transaction means in a financial transaction process using a predetermined financial transaction means. Can be entered manually (or selected) or omitted (or selected) itself.

For example, if the remittance amount of the remittance transaction information is different for each remittance, the remittance amount may be omitted from the remittance transaction information included in the IC card storage information for the remittance processing.

According to another exemplary embodiment of the present invention, the foreign exchange remittance transaction information included in the IC card storage information for the foreign exchange remittance processing is the remittance classification (for example, gift female, international student, overseas system, etc.) ), Currency code, remittance amount, fee bearer, area code, country code, bank number, bank name, bank name of bank, bank name of bank, beneficiary, beneficiary account number, beneficiary address, beneficiary phone number, remittee name, remitter address , Some of the remitter's telephone number and the contents of the transmission may be omitted, and the omitted information may be manually inputted (or selected) through the foreign exchange remittance interface provided by the financial transaction means in a financial transaction process using a predetermined financial transaction means. Or omit the input (or selection) itself.

For example, when the delivery contents are not necessary in the foreign exchange remittance transaction information, the transmission contents may be omitted from the foreign exchange remittance transaction information included in the IC card storage information for the foreign exchange remittance processing.

According to an embodiment of the present invention, the generated IC card storage information for the foreign currency remittance processing preferably includes a file structure operable through a chip operating system (COS) provided in the IC chip.

Thereafter, the server prepares a predetermined forex transfer dedicated IC card having the IC card storage information for the forex transfer processing through a predetermined card issuing device and provides (or delivers) it to the customer (1125).

According to the method of the present invention, the card issuing device preferably comprises a card reader for recording the IC card storage information for the forex transfer processing in a memory provided in the IC chip of the forex transfer dedicated IC card.

Subsequently, the server generates predetermined IC card issuing information for the foreign exchange transfer through the IC card issuing application information and the generated IC card storing information provided from the customer through the card issuing interface. In operation 1135, the IC card issuance information dedicated to the foreign currency remittance is stored in the storage medium 810.

The IC card issuing information for the foreign exchange remittance may include an IC card for confirming customer information of the card issuing customer and / or at least one IC card storage information issued to the IC card in the process of issuing the IC card. Storing the foreign exchange remittance-only IC card issuing information including at least one or more registered information and / or at least one foreign exchange remittance transaction information included in the IC card storing information for the foreign exchange remittance processing, in the storage medium 810. It is done.

Here, the customer information included in the issuing IC card issuing information, it is preferable that the customer information included in the remittance of the foreign currency remittance when the foreign currency transfer via the IC card dedicated to the foreign exchange remittance, if the remitter is an enterprise Information (e.g., company name, corporate registration number (or business registration number), address, etc.), and if the remitter is an individual, the personal information (e.g. personal name, social security number, address, etc.) desirable.

In addition, at least one IC card registration information included in the IC card issuance information, which is issued to the IC card (for example, recorded in a memory provided in the IC card) during the FX card issuance process. As card application information for confirming the above IC card storage information, the IC card registration information preferably comprises card application information for confirming the IC card storage information for the foreign currency transfer processing.

According to the method of the present invention, when the forex transfer dedicated IC card has a predetermined electronic bankbook function, the forex transfer dedicated IC card includes IC card storage information corresponding to the electronic bankbook (for example, corresponding to the electronic bankbook function). Card application) (e.g., recorded in a memory provided in the IC card dedicated to the foreign currency transfer), and the IC card registration information includes card application information for confirming an electronic bankbook mounted in the IC card dedicated to the foreign currency transfer. It is preferable to make it.

Alternatively, when the foreign currency transfer dedicated IC card has at least one credit card function, the IC card storage information corresponding to the credit card (for example, a card application corresponding to the credit card function) is included in the foreign currency transfer dedicated IC card. (E.g., recorded in a memory provided in the forex transfer dedicated IC card), and correspondingly, the IC card registration information includes at least one or more credits for identifying at least one or more credit cards mounted in the forex transfer dedicated IC card. It is desirable to include credit card application information.

Alternatively, when the foreign currency transfer dedicated IC card has at least one check card function, the foreign currency transfer dedicated IC card has IC card storage information (eg, a card application corresponding to the check card function) corresponding to the check card. (E.g., recorded in a memory provided in the forex transfer dedicated IC card), and correspondingly, the IC card registration information is at least one or more for identifying at least one or more check cards mounted in the forex transfer dedicated IC card. It is preferable to include the check card application information.

Alternatively, when the foreign currency transfer-only IC card has at least one debit card function, the IC card storage information corresponding to the debit card (eg, a card application corresponding to the debit card function) is included in the foreign currency transfer-only IC card. (E.g., recorded in a memory provided in the forex transfer dedicated IC card), and correspondingly, the IC card registration information includes at least one or more debit cards for identifying at least one or more debit cards mounted on the forex transfer dedicated IC card. It is desirable to include debit card application information.

Alternatively, when the foreign currency transfer dedicated IC card has at least one prepaid card function, the foreign currency transfer dedicated IC card has IC card storage information corresponding to the prepaid card (for example, a card application corresponding to the prepaid card function). (E.g., recorded in a memory provided in the forex transfer dedicated IC card), and correspondingly, the IC card registration information includes at least one or more prepaid cards for identifying at least one prepaid card mounted in the forex transfer dedicated IC card. It is desirable to include prepaid card application information.

In addition, the at least one foreign exchange remittance transaction information included in the forex transfer-only IC card issuing information, the at least one foreign exchange remittance transaction information included in the forex remittance processing IC card storage information mounted on the forex remittance dedicated IC card It is preferable to comprise a.

Here, the foreign exchange remittance transaction information included in the IC card issuance information, a predetermined remittance classification (eg, gift women, international students, overseas systems, etc.), currency code, remittance amount, fee bearer, area code At least one country code, bank number, bank name, bank name, bank address, bank name, payee, payee account number, payee address, payee phone number, sender's name, sender's address, sender's phone number, delivery details, etc. It is preferable to make it.

According to an embodiment of the present invention, the storage medium 810 is provided in a DBMS on a predetermined financial system provided on (or associated with) the financial system, and / or the foreign exchange on the financial system. It is preferable that a predetermined DBMS interworking with a server (or a device) performing a predetermined information processing function using the remittance-only IC card issue information.

In addition, the issuing IC card issuing information stored in the storage medium 810, after issuing the IC card dedicated to the foreign exchange remittance, issuing at least one IC card storage information for processing the foreign money transfer to the IC card dedicated to the foreign currency transfer. (Or save, or update).

Hereinafter, an embodiment of a system configuration for updating a pre-issued IC card exclusively for foreign currency remittance to a customer through the card issuing system shown in FIGS. Let's explain.

FIG. 12 is a diagram illustrating a card update system for adding / updating IC card storage information for foreign exchange remittance processing of an IC card dedicated to foreign exchange remittance according to an embodiment of the present invention.

In more detail, Figure 12 shows that a predetermined customer updates a foreign exchange remittance dedicated IC card to add / update IC card storage information for a foreign exchange remittance processing of a foreign exchange remittance dedicated IC card according to the present invention to a financial system through a predetermined card update interface. If the request information is provided, based on the exchange request IC card renewal request information provided by the financial system of the IC card issued to the customer through the card issuance system shown in Figure 8 and / or 10; The present invention relates to a system configuration for updating IC card storage information for foreign exchange remittance processing. Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 12 to exchange foreign currency remittance of an IC card exclusively for foreign currency remittance. Various implementation methods may be inferred for the configuration of a card update system for adding / updated IC card storage information. The present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Hereinafter, at least one of updating a predetermined foreign exchange transfer-only IC card to the customer based on the foreign exchange transfer-only IC card update request information provided from the customer through a predetermined card update interface shown in FIG. 12. Components corresponding to the above means and / or functional configuration are referred to as "card management server 1200" for convenience.

Referring to this drawing 12 according to the embodiment of the present invention, the card renewal system for adding / updating the IC card storage information for foreign exchange remittance processing IC card exclusively according to the present invention, the card is provided with at least one financial institution And a staff terminal used by a manager in charge of management. The staff terminal is connected to a communication channel with a card management server 1200 provided on the financial system through a predetermined financial network 200.

According to the implementation method of the present invention, the customer visits the financial institution for the IC card renewal dedicated to the foreign exchange remittance according to the present invention and through the window provided in the financial institution (or through the card management staff), the foreign currency remittance Application for renewal of a predetermined IC card for adding / renewing IC card storage information for FX remittance processing of a dedicated IC card (e.g. (Or a document with a form for filling out an item) (or the card management staff visits the customer and asks the customer to add / update the IC card storage information for the foreign currency remittance processing of the IC card exclusively for the foreign currency remittance). A predetermined IC card renewal application form) and the card shown in FIG. 8 and / or FIG. When the IC card exclusively issued through the issuing system is submitted to the card management staff, the card management staff inputs (or selects) the information entered in the IC card renewal application through a predetermined employee terminal, The employee terminal preferably transmits the input (or selected) information to the card management server 1200 provided on the financial system through the financial network 200.

Here, the employee terminal preferably comprises an employee terminal used by the card management staff provided in the financial institution, the card management server 1200 connected to the employee terminal is provided on the predetermined financial system It is preferable to include a ledger server, the financial network 200 connecting the employee terminal and the card management server 1200 is a financial network 200 connecting the communication channel between the employee terminal and the card management server 1200 (E.g., our network).

In the card renewal system as described above, the credit card renewal application prepared by the customer, the employee terminal used by the card management staff and the financial network 200 connecting the employee terminal and the card management server 1200 is The customer performs a function of a card renewal interface for registering the IC card update request information for FX transfer dedicated IC card renewal in accordance with the present invention.

The storage media 810 and 810 provided on the financial system according to the present invention provide a predetermined FX transfer dedicated IC card to the customer based on the IC card update request information provided from the card update terminal. After the update, the foreign currency transfer-only IC card update information according to the forex transfer-only IC card update is stored, wherein the foreign currency transfer-only IC card update information stored in the storage medium (810) (810) is a financial system It is used to update the IC card dedicated forex remittance according to the present invention.

According to one embodiment of the invention, the storage medium 810, 810 is preferably provided in a DBMS on a predetermined financial system provided on (or associated with) the financial system, wherein The storage media 810 and 810 may be ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto. .

According to another exemplary embodiment of the present invention, the storage medium 810 and 810 may include an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the financial system. And / or a DBMS on at least one banking system of the TV banking system, which is not limited by the present invention.

According to another exemplary embodiment of the present invention, the storage medium 810 and 810 may include a server (or device) that performs a predetermined information processing function using the IC card update information dedicated to the forex transfer on the financial system. It is preferable to be provided in a predetermined DBMS to be interlocked. At this time, the positions where the storage media 810 and 810 are provided may be variously performed according to the intention of those skilled in the art, and the present invention is not limited thereto.

The card management server 1200 provided on the financial system according to the present invention is a generic term for the financial system side components connected to the card update terminal and a predetermined financial network 200, and includes at least one server (or Device) and / or at least one program recorded on a recording medium provided in a predetermined server (or device), and the present invention is not limited thereto.

According to the exemplary embodiment of the present invention, the card management server 1200 is provided with an interface unit 1205 for providing a predetermined card update interface to the card update terminal through the financial network 200. .

When the card update terminal is an employee terminal connected to a predetermined financial network 200 according to an embodiment of the present invention, the interface unit 1205 is based on the protocol stack defined in the financial network 200. It is preferable to provide a communication interface for connecting at least one communication channel with a staff terminal and using at least one communication protocol defined in a card update application program provided in the staff terminal.

Referring to FIG. 12, the card management server 1200 connects the card with the interface unit 1205 when a predetermined card update terminal is connected to the card management server 1200 through the interface unit 1205. An interface providing unit 1210 for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined IC card update request information from the update terminal to the card update terminal; An information receiving unit 1215 for receiving predetermined forex remittance-only IC card update request information transmitted from the card updating terminal through the user interface in connection with the interface unit 1205, and the received forex Based on the remittance-only IC card update request information, the IC card storage information for processing the foreign exchange remittance corresponding to the update-only foreign exchange remittance IC card is generated. An information generation unit 1225 and a card update unit 1230 for storing the IC card storage information for the foreign currency remittance processing in a predetermined IC card dedicated to the foreign exchange remittance issued to the customer through a predetermined IC card terminal; And an information storage unit 1220 for storing the foreign exchange transfer-only IC card update information corresponding to the foreign exchange transfer-only IC card in the storage media 810 and 810.

The interface providing unit 1210, when a predetermined card update terminal is connected to the card management server 1200 through the interface unit 1205, corresponding to the foreign money transfer dedicated IC corresponding to the functional configuration provided in the card update terminal Generate a predetermined user interface capable of inputting (or selecting) card update request information to the card management server 1200 through the financial network 200, and / or extracting from a predetermined database (not shown). The user interface generated in conjunction with the interface unit 1205 may be provided to the card update terminal through the financial network 200.

Thereafter, the card update terminal inputs (or selects) the FX transfer dedicated IC card update request information on the basis of the user interface, and sends the input (or selected) IC transfer update request information dedicated to the FX transfer dedicated financial network ( It transmits to the card management server 1200 through the 200.

According to an embodiment of the present invention, when the card update terminal is an employee terminal connected to a predetermined financial network 200, the interface providing unit 1210 may provide a card update application program provided in the employee terminal. It is preferable to generate (or extract) a user interface of, and provide the generated (or extracted) user interface to the employee terminal through the interface unit 1205.

According to another exemplary embodiment of the present invention, when the card update terminal is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired network and / or a wireless network, the interface providing unit 1210 may be configured as described above. Generate (or extract) a predetermined user interface that can be provided to a browser program and / or a communication program provided in the client terminal, and provide the generated (or extracted) user interface to the client terminal through the interface unit 1205. It is desirable to.

According to another exemplary embodiment of the present invention, when the card update terminal is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface providing unit 1210 may include a browser program provided in the client terminal and / or Alternatively, it is preferable to generate (or extract) a predetermined user interface that can be provided by a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 1205.

The information receiving unit 1215 inputs (or selects) predetermined IC card update request information through the user interface through the user interface in the card updating terminal and transmits the information through the financial network 200. The IC card update request information is received in connection with the foreign exchange remittance dedicated IC card, and the received foreign exchange remittance dedicated IC card update request information is provided to the information generator 1225.

According to the method of the present invention, the forex transfer-only IC card update request information includes forex remittance-only IC card information for identifying the customer information of the card renewal customer and the forex transfer-only IC card previously issued to the customer. Number), and at least one foreign exchange remittance transaction information.

The information generation unit 1225 is a predetermined ICF processing IC card to be provided in the forex transfer dedicated IC card to the customer based on the forex transfer IC card update request information received through the information receiving unit 1215. Characterized in that the stored information is generated, wherein the IC card storage information for foreign exchange remittance processing comprises at least one foreign exchange remittance transaction information.

According to an exemplary embodiment of the present invention, the IC card storage information for the foreign currency remittance processing may be updated on the forex transfer dedicated IC card (for example, recorded in a memory provided in the forex transfer dedicated IC card and provided to the IC card). It is preferably generated in the form of a card application (e.g., program code executable on the IC card platform and program data used by the program code), which is executable through a predetermined processor.

According to another exemplary embodiment of the present invention, if a predetermined card application corresponding to the IC card storage information for the forex transfer processing is provided in the forex transfer dedicated IC card (eg, provided in the forex transfer dedicated IC card). When a predetermined card application corresponding to the IC card storage information for the foreign currency remittance processing is previously recorded in a memory), the IC card storage information for the foreign currency remittance processing is generated in the form of program data included in the card application. desirable.

Here, the at least one foreign exchange remittance transaction information included in the IC card storage information for the foreign currency remittance processing is program data of a card application included in the foreign exchange remittance dedicated IC card, and is provided with a predetermined financial transaction means (for example, a financial institution window). Face-to-face financial transaction means, or non-face-to-face financial transaction means including at least one or more of Internet banking and / or wireless banking and / or telebanking and / or TV banking and / or home banking). Forex remittance transaction includes at least one information that the customer must input (or select) through the forex remittance interface provided by the financial transaction means.

According to an exemplary embodiment of the present invention, the foreign exchange remittance transaction information included in the IC card storage information for the foreign exchange remittance processing may include a predetermined remittance classification (for example, a gift woman, an overseas student, an overseas system), a currency code, Remittance amount, fee bearer, area code, country code, bank number, bank name, bank name, bank address, bank name, payee, payee account number, payee address, payee phone number, sender's name, sender's address, sender's phone number, It is preferable that the contents including at least one or more.

According to another exemplary embodiment of the present invention, the foreign exchange remittance transaction information included in the IC card storage information for the foreign currency remittance processing is based on the remittance transaction type and / or the foreign exchange remittance amount, and the remittance classification (eg, a gift increaser). , International student, overseas system, etc.), currency code, remittance amount, fee bearer, area code, country code, bank number, bank name of bank, bank address, bank name of bank, payee, payee account number, payee address, payee Some of the telephone number, the remitter's name, the remitter's address, the remitter's telephone number, and the contents of the transmission may be omitted, and the omitted information may refer to the foreign currency remittance interface provided by the financial transaction means in a financial transaction process using a predetermined financial transaction means. Can be entered manually (or selected) or omitted (or selected) itself.

For example, if the remittance amount of the remittance transaction information is different for each remittance, the remittance amount may be omitted from the remittance transaction information included in the IC card storage information for the remittance processing.

According to another exemplary embodiment of the present invention, the foreign exchange remittance transaction information included in the IC card storage information for the foreign exchange remittance processing is the remittance classification (for example, gift female, international student, overseas system, etc.) ), Currency code, remittance amount, fee bearer, area code, country code, bank number, bank name, bank address, bank name, payee, payee account number, payee address, payee phone number, sender's name, remitter Some of the address, remitter's phone number, and delivery information may be omitted, and the omitted information may be manually inputted (or selected) through the FX remittance interface provided by the financial transaction means in a financial transaction process using a predetermined financial transaction means. Or the input (or selection) itself.

For example, when the delivery contents are not necessary in the foreign exchange remittance transaction information, the transmission contents may be omitted from the foreign exchange remittance transaction information included in the IC card storage information for the foreign exchange remittance processing.

When the information generation unit 1225 generates the IC card storage information for the FX remittance processing provided in the IC card, the card update unit 1230 is the FX remittance through a predetermined IC card terminal. The IC card storage information for processing may be stored (or recorded) in the IC card exclusively for foreign currency remittance issued to the customer.

Here, the IC card terminal comprises a card reader for recording the IC card storage information for the foreign currency remittance processing in the memory provided in the IC chip of the dedicated foreign currency remittance IC card, wherein the information generation unit 1225 Is a file structure operable through a COS (Chip Operating System) provided in the IC chip to generate the IC card storage information for foreign currency remittance processing, the card update unit 1230 is the foreign currency through the IC card terminal The IC card storage information for remittance processing is recorded in the memory of the IC chip provided in the IC card exclusively for the foreign currency remittance issued to the customer, thereby updating the predetermined IC card dedicated to the foreign currency remittance previously issued to the customer.

The forex transfer dedicated IC card produced as described above is provided to the customer and / or is delivered to the customer according to a predetermined card providing procedure, after which the customer is dedicated to the forex transfer through the financial system according to the present invention. IC card will be used.

Thereafter, the information storage unit 1220 is based on the forex transfer IC card update request information and the forex transfer processing IC card storage information received from the customer through the information receiving unit 1215, the card renewal customer IC card registration information for confirming the customer information of, and / or at least one IC card storage information updated to the IC card in the IC card renewal process, and / or the IC card storage information for the foreign currency transfer processing Characterized in that the storage medium (810, 810) for storing the remittance-only IC card update information including at least one or more at least one forex remittance transaction information contained in.

Here, the customer information included in the forex only IC card update information may include information about the remitter for remitting the foreign exchange when remitting the foreign currency through the forex only IC card. Information (e.g., company name, corporate registration number (or business registration number), address, etc.), and if the remitter is an individual, the personal information (e.g., personal name, social security number, address, etc.) It is preferable.

At least one IC card registration information included in the IC card update information may be updated in the IC card (eg, recorded in a memory provided in the IC card) during the FX card update process. As the card application information for confirming the IC card storage information, the IC card registration information preferably includes card application information for confirming the IC card storage information for the foreign currency remittance processing.

According to the method of the present invention, when the forex transfer dedicated IC card has a predetermined electronic bankbook function, the forex transfer dedicated IC card includes IC card storage information corresponding to the electronic bankbook (for example, corresponding to the electronic bankbook function). Card application) (e.g., recorded in a memory provided in the IC card dedicated to the foreign currency transfer), and the IC card registration information includes card application information for confirming an electronic bankbook mounted in the IC card dedicated to the foreign currency transfer. It is preferable to make it.

Alternatively, when the foreign currency transfer dedicated IC card has at least one credit card function, the IC card storage information corresponding to the credit card (eg, a card application corresponding to the credit card function) is included in the foreign currency transfer dedicated IC card. (E.g., recorded in a memory provided in the forex transfer dedicated IC card), and correspondingly, the IC card registration information includes at least one or more credits for identifying at least one or more credit cards mounted in the forex transfer dedicated IC card. It is desirable to include credit card application information.

Alternatively, when the foreign currency transfer dedicated IC card has at least one check card function, the foreign currency transfer dedicated IC card has IC card storage information (eg, a card application corresponding to the check card function) corresponding to the check card. (E.g., recorded in a memory provided in the forex transfer dedicated IC card), and correspondingly, the IC card registration information is at least one or more for identifying at least one or more check cards mounted in the forex transfer dedicated IC card. It is preferable to include the check card application information.

Alternatively, when the foreign currency transfer-only IC card has at least one debit card function, the IC card storage information corresponding to the debit card (eg, a card application corresponding to the debit card function) is included in the foreign currency transfer-only IC card. (E.g., recorded in a memory provided in the forex transfer dedicated IC card), and correspondingly, the IC card registration information includes at least one or more debit cards for identifying at least one or more debit cards mounted on the forex transfer dedicated IC card. It is desirable to include debit card application information.

Alternatively, when the foreign currency transfer dedicated IC card has at least one prepaid card function, the foreign currency transfer dedicated IC card has IC card storage information corresponding to the prepaid card (for example, a card application corresponding to the prepaid card function). (E.g., recorded in a memory provided in the forex transfer dedicated IC card), and correspondingly, the IC card registration information includes at least one or more prepaid cards for identifying at least one prepaid card mounted in the forex transfer dedicated IC card. It is desirable to include prepaid card application information.

In addition, the at least one foreign exchange transfer transaction information included in the forex transfer dedicated IC card update information, the at least one foreign exchange transfer transaction information included in the forex transfer processing IC card storage information mounted in the forex transfer dedicated IC card It is preferable to comprise a.

Here, the foreign currency remittance transaction information included in the IC card update information for the foreign currency remittance, a predetermined remittance classification (for example, gift women, international students, overseas systems, etc.), currency code, remittance amount, fee bearer, area code At least one country code, bank number, bank name, bank name, bank address, bank name, payee, payee account number, payee address, payee phone number, sender's name, sender's address, sender's phone number, delivery details, etc. It is preferable to make it.

FIG. 13 is a diagram illustrating a card update process for adding / updating IC card storage information for foreign exchange remittance processing of an IC card exclusively for foreign exchange transfer according to an embodiment of the present invention.

In more detail, in FIG. 13, in the card renewal system shown in FIG. When the predetermined foreign currency transfer dedicated IC card update request information is transmitted to 1200, the card management server 1200 transmits the IC card update request information based on the foreign exchange transfer dedicated IC card update request information to the card illustrated in FIGS. 8 and / or 10. Regarding the process of updating the IC card storage information for foreign exchange remittance processing IC card issued to the customer through the issuing system, if the person having ordinary knowledge in the technical field to which the present invention belongs, By referring and / or modifying, it is possible to infer various implementation methods for updating the forex transfer-only IC card for renewal. Include all of the inference method that is carried out, and is not limited to the exemplary method shown in the figure 13.

For example, FIG. 13 illustrates that the foreign currency transfer dedicated IC card is produced and provided (or shipped) to the customer, and the predetermined foreign exchange transfer dedicated IC card update information is stored in the storage media 810 and 810. However, according to the intention of the person skilled in the art, the process of storing the predetermined foreign exchange remittance dedicated IC card update information in the storage medium 810 and 810 may be performed before manufacturing the foreign exchange remittance dedicated IC card or the foreign exchange remittance only. It may be performed after the IC card is manufactured and before it is provided (or shipped) to the customer, and the present invention is not limited thereto.

Hereinafter, in FIG. 13, the card update terminal shown in FIG. 12 is referred to as "terminal" for convenience, and the card management server 1200 is referred to as "server" for convenience.

Referring to FIG. 13, in order to update the IC card update request, the customer prepares a predetermined IC card update application including predetermined IC card update request information and is provided by the terminal (or the server). It provides the exchange transfer dedicated IC card update request information to the server through a predetermined card renewal interface (S300).

Here, the card update interface preferably comprises an IC card update application written by the customer, an employee terminal used by the employee of the financial institution, and a financial network 200 connecting the employee terminal and the server.

In addition, the forex transfer dedicated IC card update request information provided to the server through the card update interface is a forex transfer dedicated IC card for checking the customer information of the card renewal customer and the forex transfer only IC card previously issued to the customer. At least one information (eg, card number), and at least one foreign exchange remittance transaction information is preferably included.

When the predetermined foreign exchange transfer dedicated IC card update request information is received through the card update interface, the server reads the received foreign exchange transfer dedicated IC card update request information, thereby updating the foreign exchange transfer dedicated IC card to the customer. The validity is verified (1305).

Here, the card renewal validity check is preferably performed by confirming that the customer information included in the IC card update request information dedicated to the foreign currency transfer, and confirming whether the customer is a customer capable of foreign currency transfer transactions.

For example, if the customer is a minor, limited purchaser, in garrison, and / or the customer is a bad creditor and / or a criminal who can evacuate assets abroad, the IC card renewal is limited to the customer. The server for the validation may be associated with at least one external server (eg, credit rating server, police server, etc.).

In addition, the card renewal validity check is preferably made by confirming the financial account information included in the IC card renewal request information dedicated to the foreign currency transfer, and confirming whether the financial account is a financial account capable of foreign currency transfer transactions.

For example, the financial account information is not a valid account opened in a financial system equipped with the server, and / or an account (for example, a savings account or an account exceeding a negative limit, etc.) for which foreign currency remittance in the form of free withdrawal and withdrawal is restricted. In this case, the forex only IC card renewal may be restricted to the customer.

In addition, the card renewal validity check, by checking the information on the foreign currency transfer transaction contained in the IC card renewal request information dedicated to the foreign currency transfer, it is preferable to check whether the foreign currency remittance transaction contains information that may cause a foreign currency transfer error. Do.

For example, the remittance classification included in the foreign exchange remittance transaction information (e.g., women, international students, overseas systems, etc.), currency code, area code, country code, bank number, deposit bank name, deposit bank address, deposit bank store name, etc. If the imported information is included, the IC card renewal may be restricted to the customer.

If the validity to update the forex transfer-only IC card is not authenticated to the customer through the forex transfer-only IC card update request information (1310), the server fails to renew the card to the customer through the card update interface. Providing the information (1315), the customer ceases to update the forex transfer dedicated IC card.

If the validity to update the forex transfer-only IC card to the customer is authenticated through the forex transfer-only IC card update request information (1310), the server sends the request to the customer based on the forex transfer-only IC card update request information. In operation 1320, predetermined IC card storage information corresponding to the IC card dedicated to the FX remittance to be updated is generated.

According to an exemplary embodiment of the present invention, the IC card storage information for the foreign currency remittance processing may be updated on the forex transfer dedicated IC card (for example, recorded in a memory provided in the forex transfer dedicated IC card and provided to the IC card). It is preferably generated in the form of a card application (e.g., program code executable on the IC card platform and program data used by the program code), which is executable through a predetermined processor.

According to another exemplary embodiment of the present invention, if a predetermined card application corresponding to the IC card storage information for the forex transfer processing is provided in the forex transfer dedicated IC card (eg, provided in the forex transfer dedicated IC card). When a predetermined card application corresponding to the IC card storage information for the foreign currency remittance processing is previously recorded in a memory), the IC card storage information for the foreign currency remittance processing is generated in the form of program data included in the card application. desirable.

Here, the at least one foreign exchange remittance transaction information included in the IC card storage information for the foreign currency remittance processing is program data of a card application included in the foreign exchange remittance dedicated IC card, and is provided with a predetermined financial transaction means (for example, a financial institution window). Face-to-face financial transaction means, or non-face-to-face financial transaction means including at least one or more of Internet banking and / or wireless banking and / or telebanking and / or TV banking and / or home banking). Forex remittance transaction includes at least one information that the customer must input (or select) through the forex remittance interface provided by the financial transaction means.

According to an exemplary embodiment of the present invention, the foreign exchange remittance transaction information included in the IC card storage information for the foreign exchange remittance processing may include a predetermined remittance classification (for example, a gift woman, an overseas student, an overseas system), a currency code, Remittance amount, fee bearer, area code, country code, bank number, bank name, bank name, bank address, bank name, payee, payee account number, payee address, payee phone number, sender's name, sender's address, sender's phone number, It is preferable that the contents including at least one or more.

According to another exemplary embodiment of the present invention, the foreign exchange remittance transaction information included in the IC card storage information for the foreign currency remittance processing is based on the remittance transaction type and / or the foreign exchange remittance amount, and the remittance classification (eg, a gift increaser). , International student, overseas system, etc.), currency code, remittance amount, fee bearer, area code, country code, bank number, bank name of bank, bank address, bank name of bank, payee, payee account number, payee address, payee Some of the telephone number, the remitter's name, the remitter's address, the remitter's telephone number, and the contents of the transmission may be omitted, and the omitted information may refer to the foreign currency remittance interface provided by the financial transaction means in a financial transaction process using a predetermined financial transaction means. Can be entered manually (or selected) or omitted (or selected) itself.

For example, if the remittance amount of the remittance transaction information is different for each remittance, the remittance amount may be omitted from the remittance transaction information included in the IC card storage information for the remittance processing.

According to another exemplary embodiment of the present invention, the foreign exchange remittance transaction information included in the IC card storage information for the foreign exchange remittance processing is the remittance classification (for example, gift female, international student, overseas system, etc.) ), Currency code, remittance amount, fee bearer, area code, country code, bank number, bank name, bank name of bank, bank name of bank, beneficiary, beneficiary account number, beneficiary address, beneficiary phone number, remittee name, remitter address , Some of the remitter's telephone number and the contents of the transmission may be omitted, and the omitted information may be manually inputted (or selected) through the foreign exchange remittance interface provided by the financial transaction means in a financial transaction process using a predetermined financial transaction means. Or omit the input (or selection) itself.

For example, when the delivery contents are not necessary in the foreign exchange remittance transaction information, the transmission contents may be omitted from the foreign exchange remittance transaction information included in the IC card storage information for the foreign exchange remittance processing.

According to an embodiment of the present invention, the generated IC card storage information for the foreign currency remittance processing preferably includes a file structure operable through a chip operating system (COS) provided in the IC chip.

Subsequently, the server prepares a predetermined forex transfer dedicated IC card having the IC card storage information for the forex transfer processing through a predetermined IC card terminal and provides (or delivers) it to the customer (1325).

According to the method of the present invention, it is preferable that the IC card terminal comprises a card reader for recording the IC card storage information for foreign exchange remittance processing in a memory provided in the IC chip of the foreign exchange remittance dedicated IC card.

Subsequently, the server generates predetermined exchange money transfer IC card update information through the exchange transfer IC card update request information provided from the customer through the card update interface and the generated IC transfer storage IC card storage information. In operation 1330, the IC card update information dedicated to the foreign currency remittance is stored in the storage media 810 and 810 (1335).

Here, the IC card update information for the foreign currency remittance is IC card for confirming the customer information of the card renewal customer, and / or at least one IC card storage information updated to the IC card in the process of the IC card update process. Storing, in the storage medium 810 and 810, the IC card update information exclusively for forex remittance including at least one registered information and / or at least one forex remittance transaction information included in the forex remittance IC card storage information. Characterized in that.

Here, the customer information included in the forex only IC card update information may include information about the remitter for remitting the foreign exchange when remitting the foreign currency through the forex only IC card. Information (e.g., company name, corporate registration number (or business registration number), address, etc.), and if the remitter is an individual, the personal information (e.g. personal name, social security number, address, etc.) desirable.

At least one IC card registration information included in the IC card update information may be updated in the IC card (eg, recorded in a memory provided in the IC card) during the FX card update process. As card application information for confirming the above IC card storage information, the IC card registration information preferably includes card application information for confirming the IC card storage information for the foreign currency remittance processing.

According to the method of the present invention, when the forex transfer dedicated IC card has a predetermined electronic bankbook function, the forex transfer dedicated IC card includes IC card storage information corresponding to the electronic bankbook (for example, corresponding to the electronic bankbook function). Card application) (e.g., recorded in a memory provided in the IC card dedicated to the foreign currency transfer), and the IC card registration information includes card application information for confirming an electronic bankbook mounted in the IC card dedicated to the foreign currency transfer. It is preferable to make it.

Alternatively, when the foreign currency transfer dedicated IC card has at least one credit card function, the IC card storage information corresponding to the credit card (for example, a card application corresponding to the credit card function) is included in the foreign currency transfer dedicated IC card. (E.g., recorded in a memory provided in the forex transfer dedicated IC card), and correspondingly, the IC card registration information includes at least one or more credits for identifying at least one or more credit cards mounted in the forex transfer dedicated IC card. It is desirable to include credit card application information.

Alternatively, when the forex transfer dedicated IC card has at least one check card function, the forex transfer dedicated IC card includes IC card storage information (for example, a card application corresponding to the check card function) corresponding to the check card. (E.g., recorded in a memory provided in the forex transfer dedicated IC card), and correspondingly, the IC card registration information is at least one or more for identifying at least one or more check cards mounted in the forex transfer dedicated IC card. It is preferable to include the check card application information.

Alternatively, when the foreign currency transfer-only IC card has at least one debit card function, the IC card storage information corresponding to the debit card (eg, a card application corresponding to the debit card function) is included in the foreign currency transfer-only IC card. (E.g., recorded in a memory provided in the forex transfer dedicated IC card), and correspondingly, the IC card registration information includes at least one or more debit cards for identifying at least one or more debit cards mounted on the forex transfer dedicated IC card. It is desirable to include debit card application information.

Alternatively, when the foreign currency transfer dedicated IC card has at least one prepaid card function, the foreign currency transfer dedicated IC card has IC card storage information corresponding to the prepaid card (for example, a card application corresponding to the prepaid card function). (E.g., recorded in a memory provided in the forex transfer dedicated IC card), and correspondingly, the IC card registration information includes at least one or more prepaid cards for identifying at least one prepaid card mounted in the forex transfer dedicated IC card. It is desirable to include prepaid card application information.

In addition, the at least one foreign exchange transfer transaction information included in the forex transfer dedicated IC card update information, the at least one foreign exchange transfer transaction information included in the forex transfer processing IC card storage information mounted in the forex transfer dedicated IC card It is preferable to comprise a.

Here, the foreign currency remittance transaction information included in the IC card update information for the foreign currency remittance, a predetermined remittance classification (for example, gift women, international students, overseas systems, etc.), currency code, remittance amount, fee bearer, area code At least one country code, bank number, bank name, bank name, bank address, bank name, payee, payee account number, payee address, payee phone number, sender's name, sender's address, sender's phone number, delivery details, etc. It is preferable to make it.

According to an embodiment of the present invention, the storage medium 810 and 810 are provided in a DBMS on a predetermined financial system provided on (or associated with) the financial system, and / or the financial system. It is preferable that a predetermined DBMS interworking with a server (or a device) performing a predetermined information processing function using the IC card update information dedicated to the foreign exchange remittance on the above.

FIG. 14 is a diagram illustrating a card update system for adding / updating IC card storage information for foreign exchange remittance processing of an IC card dedicated to foreign exchange remittance according to another embodiment of the present invention.

In more detail, Figure 14 is a foreign exchange for adding / updating the IC card storage information for the foreign exchange remittance processing of the IC card dedicated to the foreign exchange remittance according to the present invention to the financial system through a card update interface that includes a predetermined client terminal When the remittance dedicated IC card update request information is provided, the foreign currency issued to the customer through the card issuance system shown in FIGS. 8 and / or 10 based on the forex remittance dedicated IC card update request information provided by the financial system. Regarding the system configuration for updating the IC card storage information for the remittance processing IC card of the remittance-only IC card, those skilled in the art to which the present invention pertains, refer to and / or modify this drawing 14 Various implementation methods for the configuration of a card renewal system for adding / renewing IC card storage information for IC card foreign currency remittance processing Would have to be inferred, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 14.

Hereinafter, at least one of updating a predetermined foreign exchange transfer-only IC card to the customer based on the foreign exchange transfer-only IC card update request information provided from the customer through a predetermined card update interface shown in FIG. 14. Components corresponding to the above means and / or functional configuration are referred to as " card management server 1200 " for convenience.

Referring to this drawing 14 according to the embodiment of the present invention, the card update system for adding / updating the IC card storage information for the foreign currency remittance processing IC card according to the present invention, the wired terminal and / / used by the customer Or a client terminal including at least one wireless terminal, wherein the client terminal is connected to a card management server 1200 provided on the financial system through a predetermined network means.

According to one embodiment of the invention, when the card renewal system supports a non-face-to-face card renewal application, the customer is at least one of a wired terminal connected to a predetermined wired network and / or a wireless terminal connected to a predetermined wireless communication network. An IC card for foreign exchange remittance processing of an IC card dedicated to foreign exchange remittance according to the present invention through at least one user interface connected to the card management server 1200 through at least one client terminal and provided by the card management server 1200. When inputting (or selecting) the IC card update request information dedicated to foreign exchange remittance for storing / adding / restored information, transmitting from the client terminal to a card management server 1200 provided on the financial system through a predetermined network means. desirable.

Here, the wired terminal connected to the wired network is a generic term for all terminal devices connected to a TCP / IP based communication network, and a desktop computer and / or a laptop connected to the TCP / IP based communication network. (Notebook) or a home appliance terminal (eg, Set-Top-Box) connected to the TCP / IP based communication network, or a kiosk (KIOSK) connected to the TCP / IP based communication network, etc. It is preferable.

The wireless terminal connected to the wireless network may include all terminal devices connected to a CDMA based mobile communication network, and / or all terminal devices connected to an IEEE 802.16x based mobile Internet, and / or Motorola's DataTAC scheme. And / or a generic term for all terminal devices connected to Erricson's Mobitex-type wireless data communication network, comprising: a Personal Communication System (PCS) and / or a Global System for Mobile communications (GSM) terminal connected to the CDMA-based mobile communication network; And / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or Personal Digital Assistants (PDAs) and / or Smart Phones and / or Telematics Telematics), or a portable Internet terminal connected to the IEEE 802.16x based portable Internet, or the DataTAC / Mobitex based wireless It is preferable to include at least one or more wireless data communication terminal connected to the data communication network.

The client terminal may output at least one user interface provided by the card management server 1200, input and / or select at least one information through the user interface, and transmit the same to the card management server 1200. It is preferable that a function configuration (for example, a browser program and a communication function or a predetermined communication program and communication function to communicate with the card management server 1200, etc.) is provided.

In addition, the client terminal stores (or records) predetermined foreign currency exclusive IC card storage information in a predetermined foreign currency exclusive IC card previously issued to the customer through the card issuing system shown in FIGS. 8 and / or 10. It is preferable that a predetermined card reader is provided.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the client terminal corresponding to at least one or more wired terminals and / or wireless terminals, and thus the detailed description thereof is omitted for convenience. .

In the card update system as described above, a client terminal including at least one wired terminal and / or a wireless terminal used by the customer, and at least one wired network connecting the client terminal and the card management server 1200. And / or the wireless network performs a function of a card update interface for the customer to register forex remittance dedicated IC card update request information for the forex remittance dedicated IC card according to the present invention.

According to another exemplary embodiment of the present invention, when the card renewal system supports a non-face-to-face renewal application, the card renewal terminal may have a predetermined financial network 200 (eg, a financial common network) in addition to the client terminal. And a financial automated machine (not shown) including an automatic teller machine (ATM), a cash dispenser (CD), and / or a public switched telephone network. A predetermined call terminal (not shown) connected to a wired telephone network such as a telephone network (PSTN), a voice over IP (VoIP) network, and / or a predetermined wireless telephone network connected to a mobile communication network or a wireless VoIP network. It further comprises a call terminal (not shown) of, and / or further includes a terminal (and / or server) (not shown) provided in at least one or more institutions affiliated with the financial institution. In addition, the present invention is not limited thereto.

In the case of supporting a non-face-to-face card renewal application as described above, when the card renewal terminal is the financial automatic device (not shown), the financial automatic device (not shown) and the financial automatic device (not shown) The financial network 200 connecting the card management server 1200 with the card update interface for the customer to register the foreign currency transfer-only IC card update request information for the foreign exchange transfer-only IC card according to the present invention And / or If the card update terminal is the call terminal (not shown), a wired telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the card management server 1200 and / Or the wireless telephone network is a card renewal interface for registering the customer's foreign currency transfer-only IC card update request information for the foreign currency transfer-only IC card renewal according to the present invention And / or a terminal (and / or server) (not shown) provided in an institution affiliated with the financial institution that is the card renewal terminal (not shown), and the terminal (and / or server) (not shown) and the The network connecting the terminal (and / or server) (not shown) and the card management server 1200 registers the foreign exchange transfer-only IC card update request information for the customer to update the foreign exchange transfer-only IC card according to the present invention. Functions as a card update interface.

The storage media 810 and 810 provided on the financial system according to the present invention provide a predetermined FX transfer dedicated IC card to the customer based on the IC card update request information provided from the card update terminal. After the update, the foreign currency transfer-only IC card update information according to the forex transfer-only IC card update is stored, wherein the foreign currency transfer-only IC card update information stored in the storage medium (810) (810) is a financial system It is used to update the IC card dedicated forex remittance according to the present invention.

According to an embodiment of the present invention, the storage medium 810 and 810 are preferably provided in a DBMS on a predetermined financial system provided on the financial system (or associated with the financial system). When the storage medium 810, 810 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, the present invention is not limited thereto. No.

According to another exemplary embodiment of the present invention, the storage medium 810 and 810 may include an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the financial system. And / or a DBMS on at least one banking system of the TV banking system, which is not intended to limit the present invention.

According to another exemplary embodiment of the present invention, the storage medium 810 and 810 may include a server (or device) that performs a predetermined information processing function using the IC card update information dedicated to the forex transfer on the financial system. It is preferable to be provided in a predetermined DBMS to be interlocked. At this time, the positions where the storage media 810 and 810 are provided may be variously performed according to the intention of those skilled in the art, and the present invention is not limited thereto.

The card management server 1200 provided on the financial system according to the present invention is a generic term for the financial system side components connected to the card update terminal through a predetermined network means, and includes at least one server (or device). It may be implemented by including and / or at least one program recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to the method of the present invention, the card management server 1200 is characterized in that it comprises an interface unit 1205 for providing a predetermined card update interface to the card update terminal via the network means.

According to an embodiment of the present invention, when the card update terminal is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired network and / or a wireless network, the interface unit 1205 may include the wired network. And / or connect a predetermined communication channel with the client terminal based on a protocol stack defined in a wireless network, and transmit and receive at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal. It would be desirable to provide a communication interface for a network.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 1205 connects a communication channel with the client terminal based on the TCP / IP protocol. Using the HTPP protocol defined in the browser program, a communication interface for transmitting and receiving a web page (eg, Hyper-Text Markup Language (HTML) compatible web page) and / or information is provided.

Alternatively, when the client terminal is provided with a predetermined card update application program provided by the card management server 1200, the interface unit 1205 connects a communication channel with the client terminal based on the TCP / IP protocol. In addition, the present invention provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the card update terminal is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface unit 1205 may be configured based on the protocol stack defined in the wireless network. It is preferable to provide a communication interface for connecting at least one communication channel with a client terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when the client terminal is equipped with a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol, the interface unit 1205 communicates with the client terminal based on the CDMA protocol. And a communication interface for transmitting and receiving web pages (e.g., WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information using the WAP / ME protocol defined in the browser program. .

Alternatively, when the client terminal is provided with a card update application program provided by the card management server 1200, the interface unit 1205 connects a communication channel with the client terminal based on the CDMA protocol, and the communication Provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the program.

Referring to FIG. 14, the card management server 1200 connects the card with the interface unit 1205 when a predetermined card update terminal is connected to the card management server 1200 through the interface unit 1205. An interface providing unit 1210 for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined IC card update request information from the update terminal to the card update terminal; An information receiving unit 1215 for receiving predetermined forex remittance-only IC card update request information transmitted from the card updating terminal through the user interface in connection with the interface unit 1205, and the received forex Based on the remittance-only IC card update request information, the IC card storage information for processing the foreign exchange remittance corresponding to the update-only foreign exchange remittance IC card is generated. The information generating unit 1225 and the generated IC card storage information for the foreign currency remittance processing are transmitted to the card update terminal through the network means, and the predetermined information is provided to the customer through a predetermined card reader provided in the card update terminal. A card update unit 1230 storing the issued foreign exchange transfer-only IC card, and information for storing the foreign exchange transfer-only IC card update information corresponding to the foreign exchange transfer-only IC card in the storage media 810 and 810. It is characterized by comprising a storage unit 1220.

The interface providing unit 1210, when a predetermined card update terminal is connected to the card management server 1200 through the interface unit 1205, corresponding to the foreign money transfer dedicated IC corresponding to the functional configuration provided in the card update terminal Generate a predetermined user interface capable of inputting (or selecting) card update request information to the card management server 1200 via the network means, and / or extracting from a predetermined database (not shown), and It is characterized by providing the user interface generated (or extracted) to the card update terminal via the network means in conjunction with the interface unit 1205.

Thereafter, the card renewal terminal inputs (or selects) the FX transfer dedicated IC card update request information based on the user interface, and transmits the input (or selected) IC card update request information to the network means. It transmits to the card management server 1200 through.

According to an embodiment of the present invention, when the card update terminal is an employee terminal connected to a predetermined financial network 200, the interface providing unit 1210 may provide a card update application program provided in the employee terminal. It is preferable to generate (or extract) a user interface of, and provide the generated (or extracted) user interface to the employee terminal through the interface unit 1205.

According to another exemplary embodiment of the present invention, when the card update terminal is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired network and / or a wireless network, the interface providing unit 1210 may be configured as described above. Generate (or extract) a predetermined user interface that can be provided to a browser program and / or a communication program provided in the client terminal, and provide the generated (or extracted) user interface to the client terminal through the interface unit 1205. It is desirable to.

According to another exemplary embodiment of the present invention, when the card update terminal is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface providing unit 1210 may include a browser program provided in the client terminal and / or Alternatively, it is preferable to generate (or extract) a predetermined user interface that can be provided by a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 1205.

The information receiving unit 1215 interoperates with the interface unit 1205 when the card updating terminal inputs (or selects) predetermined IC card update request information through the user interface through the user interface and transmits the information through the network means. The IC card update request information is received. The received IC card update request information is provided to the information generator 1225.

According to the method of the present invention, the forex transfer-only IC card update request information includes forex remittance-only IC card information for identifying the customer information of the card renewal customer and the forex transfer-only IC card previously issued to the customer. Number), and at least one foreign exchange remittance transaction information.

The information generation unit 1225 is a predetermined ICF processing IC card to be provided in the forex transfer dedicated IC card to the customer based on the forex transfer IC card update request information received through the information receiving unit 1215. Characterized in that the stored information is generated, wherein the IC card storage information for foreign exchange remittance processing comprises at least one foreign exchange remittance transaction information.

According to an exemplary embodiment of the present invention, the IC card storage information for the foreign currency remittance processing may be updated on the forex transfer dedicated IC card (for example, recorded in a memory provided in the forex transfer dedicated IC card and provided to the IC card). It is preferably generated in the form of a card application (e.g., program code executable on the IC card platform and program data used by the program code), which is executable through a predetermined processor.

According to another exemplary embodiment of the present invention, if a predetermined card application corresponding to the IC card storage information for the forex transfer processing is provided in the forex transfer dedicated IC card (eg, provided in the forex transfer dedicated IC card). When a predetermined card application corresponding to the IC card storage information for the foreign currency remittance processing is previously recorded in a memory), the IC card storage information for the foreign currency remittance processing is generated in the form of program data included in the card application. desirable.

Here, the at least one foreign exchange remittance transaction information included in the IC card storage information for the foreign currency remittance processing is program data of a card application included in the foreign exchange remittance dedicated IC card, and is provided with a predetermined financial transaction means (for example, a financial institution window). Face-to-face financial transaction means, or non-face-to-face financial transaction means including at least one or more of Internet banking and / or wireless banking and / or telebanking and / or TV banking and / or home banking). Forex remittance transaction includes at least one information that the customer must input (or select) through the forex remittance interface provided by the financial transaction means.

According to an exemplary embodiment of the present invention, the foreign exchange remittance transaction information included in the IC card storage information for the foreign exchange remittance processing may include a predetermined remittance classification (for example, a gift woman, an overseas student, an overseas system), a currency code, Remittance amount, fee bearer, area code, country code, bank number, bank name, bank name, bank address, bank name, payee, payee account number, payee address, payee phone number, sender's name, sender's address, sender's phone number, It is preferable that the contents including at least one or more.

According to another exemplary embodiment of the present invention, the foreign exchange remittance transaction information included in the IC card storage information for the foreign currency remittance processing is based on the remittance transaction type and / or the foreign exchange remittance amount, and the remittance classification (eg, a gift increaser). , International student, overseas system, etc.), currency code, remittance amount, fee bearer, area code, country code, bank number, bank name of bank, bank address, bank name of bank, payee, payee account number, payee address, payee Some of the telephone number, the remitter's name, the remitter's address, the remitter's telephone number, and the contents of the transmission may be omitted, and the omitted information may refer to the foreign currency remittance interface provided by the financial transaction means in a financial transaction process using a predetermined financial transaction means. Can be entered manually (or selected) or omitted (or selected) itself.

For example, if the remittance amount of the remittance transaction information is different for each remittance, the remittance amount may be omitted from the remittance transaction information included in the IC card storage information for the remittance processing.

According to another exemplary embodiment of the present invention, the foreign exchange remittance transaction information included in the IC card storage information for the foreign exchange remittance processing is the remittance classification (for example, gift female, international student, overseas system, etc.) ), Currency code, remittance amount, fee bearer, area code, country code, bank number, bank name, bank name of bank, bank name of bank, beneficiary, beneficiary account number, beneficiary address, beneficiary phone number, remittee name, remitter address , Some of the remitter's telephone number and the contents of the transmission may be omitted, and the omitted information may be manually inputted (or selected) through the foreign exchange remittance interface provided by the financial transaction means in a financial transaction process using a predetermined financial transaction means. Or omit the input (or selection) itself.

For example, when the delivery contents are not necessary in the foreign exchange remittance transaction information, the transmission contents may be omitted from the foreign exchange remittance transaction information included in the IC card storage information for the foreign exchange remittance processing.

When the information generation unit 1225 generates predetermined IC card storage information for the foreign currency remittance processing provided on the IC card, the card update unit 1230 stores the generated IC card for the foreign exchange remittance processing. Transmitting the information to the card update terminal via the network means, so as to store (or record) in a predetermined IC card exclusively for foreign exchange remittance issued to the customer through a predetermined card reader provided in the card update terminal. It features.

Here, the card update terminal comprises a card reader for recording the IC card storage information for the forex transfer processing in the memory provided on the IC chip of the forex transfer dedicated IC card, wherein the information generation unit 1225 Is a file structure operable through a COS (Chip Operating System) provided in the IC chip to generate the IC card storage information for the foreign currency remittance processing, the card update unit 1230 is the foreign currency remittance processing through the network means Transfer the IC card storage information to the card update terminal having a predetermined card reader.

The forex transfer dedicated IC card produced as described above is provided to the customer and / or is delivered to the customer according to a predetermined card providing procedure, after which the customer is dedicated to the forex transfer through the financial system according to the present invention. IC card will be used.

Thereafter, the information storage unit 1220 is based on the forex transfer IC card update request information and the forex transfer processing IC card storage information received from the customer through the information receiving unit 1215, the card renewal customer IC card registration information for confirming the customer information of, and / or at least one IC card storage information updated to the IC card in the IC card renewal process, and / or the IC card storage information for the foreign currency transfer processing Characterized in that the storage medium (810, 810) for storing the remittance-only IC card update information that includes at least one or more of the at least one foreign exchange transfer transaction information contained in the.

Here, the customer information included in the forex only IC card update information may include information about the remitter for remitting the foreign exchange when remitting the foreign currency through the forex only IC card. Information (e.g., company name, corporate registration number (or business registration number), address, etc.), and if the remitter is an individual, the personal information (e.g. personal name, social security number, address, etc.) desirable.

At least one IC card registration information included in the IC card update information may be updated in the IC card (eg, recorded in a memory provided in the IC card) during the FX card update process. As the card application information for confirming the IC card storage information, the IC card registration information preferably includes card application information for confirming the IC card storage information for the foreign currency remittance processing.

According to the method of the present invention, when the forex transfer dedicated IC card has a predetermined electronic bankbook function, the forex transfer dedicated IC card includes IC card storage information corresponding to the electronic bankbook (for example, corresponding to the electronic bankbook function). Card application) (e.g., recorded in a memory provided in the IC card dedicated to the foreign currency transfer), and the IC card registration information includes card application information for confirming an electronic bankbook mounted in the IC card dedicated to the foreign currency transfer. It is preferable to make it.

Alternatively, when the foreign currency transfer dedicated IC card has at least one credit card function, the IC card storage information corresponding to the credit card (for example, a card application corresponding to the credit card function) is included in the foreign currency transfer dedicated IC card. (E.g., recorded in a memory provided in the forex transfer dedicated IC card), and correspondingly, the IC card registration information includes at least one or more credits for identifying at least one or more credit cards mounted in the forex transfer dedicated IC card. It is desirable to include credit card application information.

Alternatively, when the foreign currency transfer dedicated IC card has at least one check card function, the foreign currency transfer dedicated IC card has IC card storage information (eg, a card application corresponding to the check card function) corresponding to the check card. (E.g., recorded in a memory provided in the forex transfer dedicated IC card), and correspondingly, the IC card registration information is at least one or more for identifying at least one or more check cards mounted in the forex transfer dedicated IC card. It is preferable to include the check card application information.

Alternatively, when the FX transfer dedicated IC card has at least one debit card function, the IC card stored information corresponding to the debit card (eg, a card application corresponding to the debit card function) is included in the FX transfer dedicated IC card. (E.g., recorded in a memory provided in the forex transfer dedicated IC card), and correspondingly, the IC card registration information includes at least one or more debit cards for identifying at least one or more debit cards mounted on the forex transfer dedicated IC card. It is desirable to include debit card application information.

Alternatively, when the foreign currency transfer dedicated IC card has at least one prepaid card function, the foreign currency transfer dedicated IC card has IC card storage information corresponding to the prepaid card (for example, a card application corresponding to the prepaid card function). (E.g., recorded in a memory provided in the forex transfer dedicated IC card), and correspondingly, the IC card registration information includes at least one or more prepaid cards for identifying at least one prepaid card mounted in the forex transfer dedicated IC card. It is desirable to include prepaid card application information.

In addition, the at least one foreign exchange transfer transaction information included in the forex transfer dedicated IC card update information, the at least one foreign exchange transfer transaction information included in the forex transfer processing IC card storage information mounted in the forex transfer dedicated IC card It is preferable to comprise a.

Here, the foreign currency remittance transaction information included in the IC card update information for the foreign currency remittance, a predetermined remittance classification (for example, gift women, international students, overseas systems, etc.), currency code, remittance amount, fee bearer, area code At least one country code, bank number, bank name, bank name, bank address, bank name, payee, payee account number, payee address, payee phone number, sender's name, sender's address, sender's phone number, delivery details, etc. It is preferable to make it.

15 is a view showing a card update process for adding / updating the IC card storage information for foreign exchange remittance processing IC card exclusively according to another embodiment of the present invention.

In more detail, in FIG. 15, in the card renewal system shown in FIG. 14, a predetermined customer updates a predetermined card renewal interface (e.g., client terminal and network means including at least one wired terminal and / or wireless terminal). When the predetermined foreign currency transfer dedicated IC card update request information is transmitted to the card management server 1200, the card management server 1200 transmits the IC card update request information based on the foreign currency transfer dedicated card 8 and / or the drawing. Regarding the process of updating the IC card storage information for the foreign currency remittance processing IC card issued to the customer through the card issuing system shown in 10, if the person of ordinary skill in the art And various modifications to update the forex transfer dedicated IC card to update the forex transfer dedicated IC card with reference to FIG. Would be able to infer the way, the present invention includes all of the exemplary method of estimating the oil, it is not limited to the exemplary method shown in the figure 15.

For example, FIG. 15 illustrates that the foreign currency transfer dedicated IC card is produced and provided (or shipped) to the customer, and the predetermined foreign exchange transfer dedicated IC card update information is stored in the storage medium 810 or 810. However, according to the intention of the person skilled in the art, the process of storing the predetermined foreign exchange transfer-only IC card update information in the storage medium 810 and 810 may be performed before manufacturing the foreign exchange transfer-only IC card or the foreign exchange transfer-only IC. It may be performed after the card is manufactured and before it is provided (or shipped) to the customer, and the present invention is not limited thereto.

In the following figure 15, the card update terminal shown in FIG. 14 is referred to as "terminal" for convenience, and the card management server 1200 is referred to as "server" for convenience.

Referring to FIG. 15, the server is connected to the server through the terminal for updating the IC card dedicated to the exchange, and the predetermined IC card update request information is input through the card update interface provided by the server. Or select) and provide it to the server (1500).

Here, the card update interface preferably comprises a predetermined client terminal used by the customer and network means for connecting the client terminal and the server.

In addition, the forex transfer dedicated IC card update request information provided to the server through the card update interface is a forex transfer dedicated IC card for checking the customer information of the card renewal customer and the forex transfer only IC card previously issued to the customer. At least one information (eg, card number), and at least one foreign exchange remittance transaction information is preferably included.

When the predetermined foreign exchange transfer dedicated IC card update request information is received through the card update interface, the server reads the received foreign exchange transfer dedicated IC card update request information, thereby updating the foreign exchange transfer dedicated IC card to the customer. The validity is verified (1505).

Here, the card renewal validity check is preferably performed by confirming that the customer information included in the IC card update request information dedicated to the foreign currency transfer, and confirming whether the customer is a customer capable of foreign currency transfer transactions.

For example, if the customer is a minor, limited purchaser, in garrison, and / or the customer is a bad credit person and / or a criminal who can evacuate the property abroad, the customer may be asked to renew the IC card. It may be limited, the server for the validation may be associated with at least one or more external servers (eg, credit rating server, police server, etc.).

In addition, the card renewal validity check is preferably made by confirming the financial account information included in the IC card renewal request information dedicated to the foreign currency transfer, and confirming whether the financial account is a financial account capable of foreign currency transfer transactions.

For example, the financial account information is not a valid account opened in a financial system equipped with the server, and / or an account (for example, a savings account or an account exceeding a negative limit, etc.) for which foreign currency remittance in the form of free withdrawal and withdrawal is restricted. In this case, the forex only IC card renewal may be restricted to the customer.

In addition, the card renewal validity check, by checking the information on the foreign currency transfer transaction contained in the IC card renewal request information dedicated to the foreign currency transfer, it is preferable to check whether the foreign currency remittance transaction contains information that may cause a foreign currency transfer error. Do.

For example, the remittance classification included in the foreign exchange remittance transaction information (e.g., women, international students, overseas systems, etc.), currency code, area code, country code, bank number, deposit bank name, deposit bank address, deposit bank store name, etc. When the imported information is included, the customer may be limited to renewing the external remittance dedicated IC card.

If the validity to update the forex transfer-only IC card is not authenticated to the customer through the forex transfer-only IC card update request information (1510), the server fails to renew the card to the customer through the card update interface. Provide information (1515), and stop updating the forex transfer dedicated IC card to the customer.

If the validity to update the forex transfer-only IC card to the customer is authenticated through the forex transfer-only IC card update request information (1510), the server sends to the customer based on the forex transfer-only IC card update request information. Predetermined forex transfer IC card storage information corresponding to the forex transfer dedicated IC card is generated (1520).

According to an exemplary embodiment of the present invention, the IC card storage information for the foreign currency remittance processing may be updated on the forex transfer dedicated IC card (for example, recorded in a memory provided in the forex transfer dedicated IC card and provided to the IC card). It is preferably generated in the form of a card application (e.g., program code executable on the IC card platform and program data used by the program code), which is executable through a predetermined processor.

According to another exemplary embodiment of the present invention, if a predetermined card application corresponding to the IC card storage information for the forex transfer processing is provided in the forex transfer dedicated IC card (eg, provided in the forex transfer dedicated IC card) When a predetermined card application corresponding to the IC card storage information for the foreign currency remittance processing is previously recorded in a memory), the IC card storage information for the foreign currency remittance processing is generated in the form of program data included in the card application. desirable.

Here, the at least one foreign exchange remittance transaction information included in the IC card storage information for the foreign currency remittance processing is program data of a card application included in the foreign exchange remittance dedicated IC card, and is provided with a predetermined financial transaction means (for example, a financial institution window). Face-to-face financial transaction means, or non-face-to-face financial transaction means including at least one or more of Internet banking and / or wireless banking and / or telebanking and / or TV banking and / or home banking). Forex remittance transaction includes at least one information that the customer must input (or select) through the forex remittance interface provided by the financial transaction means.

According to an exemplary embodiment of the present invention, the foreign exchange remittance transaction information included in the IC card storage information for the foreign exchange remittance processing may include a predetermined remittance classification (for example, a gift woman, an overseas student, an overseas system), a currency code, Remittance amount, fee bearer, area code, country code, bank number, bank name, bank name, bank address, bank name, payee, payee account number, payee address, payee phone number, sender's name, sender's address, sender's phone number, It is preferable that the contents including at least one or more.

According to another exemplary embodiment of the present invention, the foreign exchange remittance transaction information included in the IC card storage information for the foreign currency remittance processing is based on the remittance transaction type and / or the foreign exchange remittance amount, and the remittance classification (eg, a gift increaser). , International student, overseas system, etc.), currency code, remittance amount, fee bearer, area code, country code, bank number, bank name of bank, bank address, bank name of bank, payee, payee account number, payee address, payee Some of the telephone number, the remitter's name, the remitter's address, the remitter's telephone number, and the contents of the transmission may be omitted, and the omitted information may refer to the foreign currency remittance interface provided by the financial transaction means in a financial transaction process using a predetermined financial transaction means. Can be entered manually (or selected) or omitted (or selected) itself.

For example, if the remittance amount of the remittance transaction information is different for each remittance, the remittance amount may be omitted from the remittance transaction information included in the IC card storage information for the remittance processing.

According to another exemplary embodiment of the present invention, the foreign exchange remittance transaction information included in the IC card storage information for the foreign exchange remittance processing is the remittance classification (for example, gift female, international student, overseas system, etc.) ), Currency code, remittance amount, fee bearer, area code, country code, bank number, bank name, bank name of bank, bank name of bank, beneficiary, beneficiary account number, beneficiary address, beneficiary phone number, remittee name, remitter address , Some of the remittance telephone number and the contents of the transmission may be omitted, and the omitted information may be manually inputted (or selected) through the foreign exchange remittance interface provided by the financial transaction means in a financial transaction process using a predetermined financial transaction means. Or the input (or selection) itself.

For example, when the delivery contents are not necessary in the foreign exchange remittance transaction information, the transmission contents may be omitted from the foreign exchange remittance transaction information included in the IC card storage information for the foreign exchange remittance processing.

According to an embodiment of the present invention, the generated IC card storage information for the foreign currency remittance processing preferably includes a file structure operable through a chip operating system (COS) provided in the IC chip.

Thereafter, the server transmits the IC card storage information for the foreign currency remittance processing to the terminal through a predetermined network means (1525), and correspondingly, the terminal stores the IC card for the foreign currency remittance processing through a predetermined card reader. The information is stored (or recorded) in the forex transfer dedicated IC card, thereby updating the forex transfer dedicated IC card (1530).

According to an embodiment of the present invention, it is preferable that the terminal comprises a predetermined card reader for recording the IC card storage information for the forex transfer processing in a memory provided in the IC chip of the forex transfer dedicated IC card.

Subsequently, the server generates predetermined exchange money transfer IC card update information through the exchange transfer IC card update request information provided from the customer through the card update interface and the generated IC transfer storage IC card storage information. In operation 1540, the IC card update information dedicated to the foreign exchange remittance is stored in the storage media 810 and 810 (1540).

Here, the IC card update information for the foreign currency remittance is IC card for confirming the customer information of the card renewal customer, and / or at least one IC card storage information updated to the IC card in the process of the IC card update process. Storing, in the storage medium 810 and 810, the IC card update information exclusively for forex remittance including at least one registered information and / or at least one forex remittance transaction information included in the forex remittance IC card storage information. Characterized in that.

Here, the customer information included in the forex only IC card update information may include information about the remitter for remitting the foreign exchange when remitting the foreign currency through the forex only IC card. Information (e.g., company name, corporate registration number (or business registration number), address, etc.), and if the remitter is an individual, the personal information (e.g. personal name, social security number, address, etc.) desirable.

At least one IC card registration information included in the IC card update information may be updated in the IC card (eg, recorded in a memory provided in the IC card) during the FX card update process. As the card application information for confirming the IC card storage information, the IC card registration information preferably includes card application information for confirming the IC card storage information for the foreign currency remittance processing.

According to the method of the present invention, when the forex transfer dedicated IC card has a predetermined electronic bankbook function, the forex transfer dedicated IC card includes IC card storage information corresponding to the electronic bankbook (for example, corresponding to the electronic bankbook function). Card application) (e.g., recorded in a memory provided in the IC card dedicated to the foreign currency transfer), and the IC card registration information includes card application information for confirming an electronic bankbook mounted in the IC card dedicated to the foreign currency transfer. It is preferable to make it.

Alternatively, when the foreign currency transfer dedicated IC card has at least one credit card function, the IC card storage information corresponding to the credit card (for example, a card application corresponding to the credit card function) is included in the foreign currency transfer dedicated IC card. (E.g., recorded in a memory provided in the forex transfer dedicated IC card), and correspondingly, the IC card registration information includes at least one or more credits for identifying at least one or more credit cards mounted in the forex transfer dedicated IC card. It is desirable to include credit card application information.

Alternatively, when the foreign currency transfer dedicated IC card has at least one check card function, the foreign currency transfer dedicated IC card has IC card storage information (eg, a card application corresponding to the check card function) corresponding to the check card. (E.g., recorded in a memory provided in the forex transfer dedicated IC card), and correspondingly, the IC card registration information is at least one or more for identifying at least one or more check cards mounted in the forex transfer dedicated IC card. It is preferable to include the check card application information.

Alternatively, when the foreign currency transfer-only IC card has at least one debit card function, the IC card storage information corresponding to the debit card (eg, a card application corresponding to the debit card function) is included in the foreign currency transfer-only IC card. (E.g., recorded in a memory provided in the forex transfer dedicated IC card), and correspondingly, the IC card registration information includes at least one or more debit cards for identifying at least one or more debit cards mounted on the forex transfer dedicated IC card. It is desirable to include debit card application information.

Alternatively, when the foreign currency transfer dedicated IC card has at least one prepaid card function, the foreign currency transfer dedicated IC card has IC card storage information corresponding to the prepaid card (for example, a card application corresponding to the prepaid card function). (E.g., recorded in a memory provided in the forex transfer dedicated IC card), and correspondingly, the IC card registration information includes at least one or more prepaid cards for identifying at least one prepaid card mounted in the forex transfer dedicated IC card. It is desirable to include prepaid card application information.

In addition, the at least one foreign exchange transfer transaction information included in the forex transfer dedicated IC card update information, the at least one foreign exchange transfer transaction information included in the forex transfer processing IC card storage information mounted in the forex transfer dedicated IC card It is preferable to comprise a.

Here, the foreign currency remittance transaction information included in the IC card update information for the foreign currency remittance, a predetermined remittance classification (for example, gift women, international students, overseas systems, etc.), currency code, remittance amount, fee bearer, area code At least one country code, bank number, bank name, bank name, bank address, bank name, payee, payee account number, payee address, payee phone number, sender's name, sender's address, sender's phone number, delivery details, etc. It is preferable to make it.

According to an embodiment of the present invention, the storage medium 810 and 810 are provided in a DBMS on a predetermined financial system provided on (or associated with) the financial system, and / or the financial system. It is preferable that a predetermined DBMS interworking with a server (or a device) performing a predetermined information processing function using the IC card update information dedicated to the foreign exchange remittance on the above.

According to the present invention, a customer including a company or an individual who regularly processes a foreign exchange remittance financial transaction, at least one or more provided in the forex transfer dedicated IC card through an IC card reader provided in a predetermined financial terminal 100 By reading the information of the foreign exchange remittance transaction, there is an advantage of conveniently handling the foreign exchange remittance transaction without inputting the complicated foreign remittance transaction information.

According to the present invention, a foreign currency remittance through the financial terminal 100 having a predetermined IC card reader without a character input function, provided in the forex transfer dedicated IC card through the IC card reader without complicated character input There is an advantage of conveniently handling the foreign exchange remittance financial transactions by reading at least one foreign exchange remittance transaction information.

Claims (5)

A screen output unit for outputting a financial transaction selection menu; When the customer selects the foreign currency remittance menu from the financial transaction selection menu through a predetermined key input unit, the foreign exchange remittance transaction information-foreign remittance classification data, currency code data, remittance amount data, and fee bearer information on the customer IC card. Data, area code data, country code data, bank number data, deposit bank name data, deposit bank address data, deposit bank name data, payee data, payee account number data, payee address data, Check whether the foreign currency remittance transaction information including at least one payee telephone number data, the remitter name data, the remitter address data, the remitter telephone number data, and the forwarding data is provided; When the foreign currency remittance transaction information is provided in the customer IC card, stored in the customer IC card through a predetermined card reader unit. An information processing unit which automatically reads the foreign exchange remittance transaction information and automatically inputs the read foreign exchange remittance transaction information into an interface for a foreign exchange remittance transaction; Through the key input unit, correction of foreign exchange transaction information automatically input to the interface and / or manual input of some information is performed, and when the customer confirmation process is completed, a predetermined foreign exchange transaction request is made using the information input to the interface. A full text generation unit for generating a full text; And And a communication unit which transmits the generated foreign currency remittance transaction request message to a financial server. Output the financial transaction selection menu, and when the customer selects the foreign currency remittance menu of the financial transaction selection menu through a predetermined key input unit, the predetermined foreign currency remittance transaction information input method selection menu-manual input method or foreign currency remittance stored in the customer IC card A screen output unit for outputting a selection menu such as an automatic input method using transaction information; When the customer selects an automatic input method using the foreign currency remittance transaction information stored in the customer IC card through the predetermined key input unit, the predetermined foreign exchange remittance transaction information-foreign remittance classification data and currency in the customer IC card through the predetermined card reader unit Code data, remittance amount data, fee bearer information data, area code data, country code data, bank number data, deposit bank name data, deposit bank address data, deposit bank store name data, payee data And foreign currency remittance transaction information including at least one payee account number data, a payee address data, a payee phone number data, a remitter name data, a remitter address data, a remitter phone number data, and delivery data; After reading the information, the remittance of the foreign exchange remittance transaction information automatically input to the interface for foreign exchange remittance transaction Key information processing unit; Through the key input unit, correction of foreign exchange transaction information automatically input to the interface and / or manual input of some information is performed, and when the customer confirmation process is completed, a predetermined foreign exchange transaction request is made using the information input to the interface. A full text generation unit for generating a full text; And And a communication unit which transmits the generated foreign currency remittance transaction request message to a financial server. According to claim 1 or claim 2, The foreign exchange remittance processing terminal device, Forex remittance processing terminal device comprising at least one of CD / ATM, KIOSK. A recording medium comprising a program for executing a function of the terminal device component of claim 1 or 2. Foreign currency remittance transaction information stored in the customer's IC card, foreign currency remittance classification data, currency code data, remittance amount data, fee bearer information data, area code data, country code data, bank number data, deposit bank name Data, deposit bank address data, deposit bank store name data, payee data, payee account number data, payee address data, payee phone number data, sender name data, sender address data, sender phone number data And a function of reading foreign exchange remittance transaction information including at least one or more delivery contents data; A function of generating a predetermined forex remittance transaction request text using the read forex remittance transaction information; And And a program for executing the function of transmitting the generated foreign exchange remittance transaction request message to a financial server.

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