KR20090000705A - System and method for payment of affiliated card by using temporary approval and program recording medium - Google Patents

System and method for payment of affiliated card by using temporary approval and program recording medium Download PDF

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Publication number
KR20090000705A
KR20090000705A KR1020070028375A KR20070028375A KR20090000705A KR 20090000705 A KR20090000705 A KR 20090000705A KR 1020070028375 A KR1020070028375 A KR 1020070028375A KR 20070028375 A KR20070028375 A KR 20070028375A KR 20090000705 A KR20090000705 A KR 20090000705A
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South Korea
Prior art keywords
card
information
affiliate
predetermined
issuing
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KR1020070028375A
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Korean (ko)
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김정훈
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신한카드 주식회사
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Priority to KR1020070028375A priority Critical patent/KR20090000705A/en
Publication of KR20090000705A publication Critical patent/KR20090000705A/en

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • General Physics & Mathematics (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Strategic Management (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Computer Security & Cryptography (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

A payment system and a method of an affiliated card through temporary approval are provided to enable an affiliated card issuing institution to minimize necessary time for issuing an affiliated card of a plurality of card companies by accepting a mode of renting a fixed amount of card numbers through an en-block system or real-time system through temporary approval. A payment system and a method of an affiliated card through temporary approval comprise the following steps. A use limit setting unit sets use limit amount information of an affiliated card provided from an affiliated company. A use limit confirming unit confirms the use limit amount information of the affiliated card. A wire or wireless payment is temporarily approved when a payment is less than or the same as the use limit amount. A storage unit stores at least one piece of information about temporary approval. The at least one piece of information about temporary approval is transmitted to a server of a card company to request actual approval.

Description

System and Method for Payment of Affiliated Card by Using Temporary Approval and Program Recording Medium}

1 illustrates a system configuration for issuing an affiliate card by a card number rental method according to an embodiment of the present invention.

2 is a diagram illustrating a card registration system for issuing a partnership card in the form of MS / IC through the total lease of the card number according to an embodiment of the present invention.

3 is a diagram illustrating a card registration process for issuing an affiliate card through card number rental according to an embodiment of the present invention.

4 is a diagram illustrating a card registration process for issuing an affiliate card through card number rental according to another embodiment of the present invention.

5 is a diagram illustrating a card registration system for issuing an affiliate card in the form of MS / IC through the total lease of card numbers according to another embodiment of the present invention.

6 is a diagram illustrating a card registration process for issuing an affiliate card through card number rental according to an embodiment of the present invention.

7 is a diagram illustrating a card registration process for issuing an affiliate card through card number rental according to another embodiment of the present invention.

8 is a diagram illustrating a card registration system for issuing an affiliate card in the form of MS / IC through the collective leasing of card numbers according to another embodiment of the present invention.

9 is a diagram illustrating a card registration process for issuing an affiliate card through card number rental according to an embodiment of the present invention.

10 is a diagram illustrating a card registration process for issuing an affiliate card through card number rental according to another embodiment of the present invention.

FIG. 11 is a diagram illustrating a card registration system for issuing an affiliate card in the form of a card applet (or IC chip storage information) through collective leasing of card numbers according to an exemplary embodiment of the present invention.

12 is a diagram illustrating a card registration process for issuing an affiliate card through card number rental according to an embodiment of the present invention.

13 is a diagram illustrating a card registration process for issuing an affiliate card through card number rental according to another embodiment of the present invention.

FIG. 14 is a diagram illustrating a card registration system for issuing an affiliate card in the form of a card applet (or IC chip storage information) through a batch lease of card numbers according to another exemplary embodiment of the present invention.

15 is a diagram illustrating a card registration process for issuing an affiliate card through card number rental according to an embodiment of the present invention.

16 is a diagram illustrating a card registration process for issuing an affiliate card through card number rental according to another embodiment of the present invention.

FIG. 17 is a diagram illustrating a card registration system for issuing an affiliate card in the form of a card applet (or IC chip storage information) through a batch lease of card numbers according to another exemplary embodiment of the present invention.

18 is a diagram illustrating a card registration process for issuing an affiliate card through card number rental according to an embodiment of the present invention.

19 is a diagram illustrating a card registration process for issuing an affiliate card through card number rental according to another embodiment of the present invention.

20 is a diagram illustrating a card registration system for issuing an affiliate card in MS / IC form through real-time lease (or numbering) of card numbers according to an embodiment of the present invention.

21 is a diagram illustrating a card registration process for issuing an affiliate card through card number rental according to an embodiment of the present invention.

22 is a diagram illustrating a card registration process for issuing an affiliate card through card number rental according to another embodiment of the present invention.

FIG. 23 is a diagram illustrating a card registration system for issuing an affiliate card in MS / IC form through real-time lease (or numbering) of card numbers according to another embodiment of the present invention.

24 is a diagram illustrating a card registration process for issuing an affiliate card through card number rental according to an embodiment of the present invention.

25 is a diagram illustrating a card registration process for issuing an affiliate card through card number rental according to another embodiment of the present invention.

FIG. 26 is a diagram illustrating a card registration system for issuing an affiliate card in the form of a card applet (or IC chip storage information) through real-time lease (or numbering) of card numbers according to an embodiment of the present invention.

27 is a diagram illustrating a card registration process for issuing an affiliate card through card number rental according to an embodiment of the present invention.

28 is a diagram illustrating a card registration process for issuing an affiliate card through card number rental according to another embodiment of the present invention.

29 is a diagram illustrating a card registration system for issuing an affiliate card in the form of a card applet (or IC chip storage information) through real-time lease (or number) of card numbers according to another embodiment of the present invention.

30 is a diagram illustrating a card registration process for issuing an affiliate card through card number rental according to an embodiment of the present invention.

31 is a diagram illustrating a card registration process for issuing an affiliate card through card number rental according to another embodiment of the present invention.

32 is a diagram illustrating a provision deposit system for depositing a provision for an affiliated card to a card issuing agency according to an embodiment of the present invention.

33 is a diagram illustrating a process of processing a financial transaction for depositing a provision for an affiliate card with a card issuing agency according to an embodiment of the present invention.

34 is a diagram illustrating a provision management system for adjusting a provision for an affiliated card according to an embodiment of the present invention.

35 is a diagram illustrating a process of adjusting a allowance corresponding to a spending amount for an affiliate card according to one embodiment of the present invention.

36 is a diagram illustrating a process of adjusting a allowance corresponding to a utilization amount for an affiliate card according to another embodiment of the present invention.

37 is a diagram illustrating an online payment system configuration through an affiliate card according to an embodiment of the present invention.

38 is a diagram illustrating an online payment approval process through an affiliate card according to an embodiment of the present invention.

39 is a diagram illustrating an online payment approval process through an affiliate card according to another embodiment of the present invention.

40 is a diagram illustrating a post-approval process through an affiliate card according to an embodiment of the present invention.

41 is a diagram illustrating an online payment system configuration through an affiliate card according to another embodiment of the present invention.

42 is a diagram illustrating an online payment approval process through an affiliate card according to one embodiment of the present invention.

43 is a diagram illustrating an online payment approval process through an affiliate card according to another embodiment of the present invention.

44 is a diagram illustrating a post-approval process through an affiliate card according to an embodiment of the present invention.

<Description of main parts of drawing>

100: affiliate server 110: card company server

3700: interface unit 3705: information receiving unit

3710: interface providing unit 3715: information transmission unit

3720: card information check unit 3725: utilization check unit

3730: approval processing unit 3735: information storage unit

3740: payment approval request unit 3745: information transmission and reception unit

3750: payment approval processing unit 3755: information storage unit

3760: Storage medium 3765: Approval D / B

3770: Card Information D / B 3775: Transaction History D / B

According to the present invention, when the predetermined affiliate card is registered by a predetermined affiliate, setting the utilization amount information assigned to the affiliate card by the affiliate in a predetermined utilization setting means, and wired payment (or wireless payment) using a merchant affiliate card ) Upon request, confirming the utilization amount information for the affiliated card in a predetermined utilization checking means, and comparing the utilization amount with the settlement amount using the affiliated card in a predetermined approval processing means. Approving the wired payment (or wireless payment) if the payment amount is less than or equal to the utilization amount, and storing at least one approval information on the predetermined storage medium in a predetermined information storage means; And

Providing a method of payment for an affiliate card using an authorization, including a step of confirming a post-approval process for at least one approval information in association with the storage medium (or storage medium operation means) in a predetermined payment approval confirmation means. have.

Card issuers, including various credit card companies and banks, are concentrating their internal infrastructure on attracting new customers internally to secure profitability, and are striving to transfer the affiliate customers to the card users by cooperating with various affiliates.

However, at the present time when the card issuing authority is granted to the card issuing authority, the affiliated company only serves to provide card issuing customer information to the card issuing institution, and most of the tasks related to the issuing of the card are the card issuing institution. Because it is made by, the time required for the card issuance takes several days to weeks, as well as the problem that takes more time until the card issuance results are provided to the affiliate customer.

An object of the present invention for solving the above problems is a usage setting means for setting the utilization amount information assigned to the affiliated card in the affiliated card at the time of registering a predetermined affiliated card in a predetermined affiliated company, and a wired line using a merchant affiliated card. Usage request means for confirming the utilization amount information for the affiliate card when requesting a payment (or wireless payment), and comparing the utilization amount with the payment amount using the affiliate card, wherein the payment amount is the utilization amount. Authorization processing means for approving the wired payment (or wireless payment) if less than or equal to the amount, information storage means for storing at least one or more approval information on a predetermined storage medium and the storage medium (or storage medium) Transfer the at least one approval information to the card company server It is an object of the present invention to provide an affiliated card settlement system using a provisional approval having a payment approval request means for requesting an authorization.

In the affiliated card payment method using the approval of the present invention, at the time of registering a predetermined affiliate card in a predetermined affiliate, setting in the utilization amount information assigned to the affiliate card by the affiliate in a predetermined utilization setting means; When requesting wired payment (or wireless payment) using a merchant affiliate card, confirming the utilization amount information for the affiliate card by a predetermined utilization checking means, and using the utilization amount in a predetermined approval processing means; Comparing the payment amount using the affiliate card to approve the wired payment (or wireless payment) if the payment amount is less than or equal to the utilization amount; and at least one approval in a predetermined information storage means. Storing the history information in a predetermined storage medium and in the predetermined payment approval request means, Characterized by comprising the step of requesting the after approval by transmitting the history information at least one gaseung a card company server, in conjunction with (or storage medium management means).

On the other hand, in the affiliated card payment method using the authorization, according to the present invention, when the predetermined affiliated card registration at a predetermined affiliate, the predetermined usage setting means for setting the utilization amount information assigned to the affiliated card by the affiliated company And, upon request for wired payment (or wireless payment) using a shopping mall affiliated card, confirming the utilization amount information of the affiliated card in a predetermined utilization checking means, and using the utilization in the predetermined approval processing means. Comparing the payment amount with the payment amount using the affiliate card and approving the wired payment (or wireless payment) if the payment amount is less than or equal to the utilization amount; Storing the transaction history information in a predetermined storage medium and in the predetermined payment approval confirming means. And confirming the post-approval process for the at least one approval information in association with the storage medium (or the storage medium operating means).

According to the present invention, the affiliated card payment method using the authorization, the post-approval processing for the merchant affiliate card, the information storage means further includes payment approval information corresponding to the post-approval processing in the approval information; And storing the data in the storage medium.

On the other hand, the present invention includes a recording medium, characterized in that for recording the program for executing the affiliated card payment method using the approval.

On the other hand, the affiliated card settlement system using the authorization, according to the present invention, the usage setting means for setting the utilization amount information assigned to the affiliated card in the affiliated company when registering a predetermined affiliated card in a predetermined affiliated party, and merchant cooperation When a wired payment (or wireless payment) request is made using a card, the utilization amount checking means for checking the utilization amount information of the affiliate card, and the payment amount by comparing the utilization amount and the payment amount using the affiliate card Authorization means for approving the wired payment (or wireless payment) when the amount is less than or equal to the utilization amount, information storage means for storing at least one approval information, and at least one approval information on a predetermined storage medium and the storage medium; (Or storage medium operating means) in connection with at least one approval information of the card company server Transmission by having a payment approval request means for requesting the after approval is characterized in that formed.

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 the configuration omitted as described above The relationship between the elements and the components added for the present invention will also be clearly understood.

In addition, the following examples will be used to appropriately modify, integrate, or separate the terminology so that those skilled in the art to which the present invention pertains may clearly understand the present invention. The present invention is by no means limited thereto. That is, each means described above is a server (or terminal) provided on the system shown in the following embodiments, or is a predetermined functional configuration provided in at least one or more servers (or terminals), or at least one or more servers. (Or a terminal) may be an association of at least two or more functional components. In addition, the server (or terminal) shown in the following embodiment is shown to include at least two or more functional components for achieving the technical features of the present invention for convenience, the functional component shown in the server (or terminal) Matched with the above-described means may be provided in two or more different servers (or terminals) according to the role and function of each functional component and the corresponding server (or terminal) operator (or operator), whereby the present invention is not limited No.

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.

Figure 1 shows a system configuration for issuing an affiliate card in a card number rental method according to an embodiment of the present invention.

In more detail, FIG. 1 illustrates a card company server 110 provided in at least one card issuing agency that issues at least one affiliate card to at least one customer in cooperation with a predetermined card issuing agency, and at least one card company server. As illustrated in FIG. 1, there is shown an affiliate card issuing system configuration including an affiliate server 100 for issuing an affiliate card for each card company to at least one or more customers through a card number rental method. If one of ordinary skill in the art, it will be able to infer various implementation methods for the system configuration for issuing an affiliate card for each card company by the card number rental method by referring to and / or modifying the Figure 1, the present invention is Including all implementation methods inferred, only the implementation method shown in FIG. The technical features are not limited.

Referring to FIG. 1, a system for issuing an alliance card by the card number rental method includes a card registration terminal for transmitting predetermined card registration application information to the affiliate server 100 through a predetermined network means, and the network means. Affiliate server connected to the card registration terminal through and having an affiliated card company D / B (or linked with an affiliated card company D / B) that stores at least one card issuing agency information associated with the card issuing affiliated agency ( 100) and a card company server 110 for issuing at least one or more affiliate cards in a card number rental manner to at least one or more customers in association with the affiliate server 100 through the communication means. Affiliate server 100 and at least one card company server 110 is characterized in that the communication is connected through a predetermined communication means It shall be.

The affiliate server 100 and the card company server 110 may include at least one client terminal connected to a predetermined communication network and a payment request server 115 and an online payment protocol provided at an online affiliated store connected to the client terminal through the communication network. In connection with an online payment channel including at least one of the applied communication network to provide a payment service through the affiliated card, or a communication network (eg, a value-added communication network connected to a payment terminal provided in a predetermined offline affiliated store) (Value Added Network; VAN)) is characterized in that it works with offline payment channels.

According to the present invention, the affiliate server 100 is characterized in that for setting the predetermined usage amount for the affiliate card in the process of issuing the affiliate card, wherein the utilization amount is the affiliate in the card issuing affiliate institution As the limit amount to be assigned to the card, after the utilization amount is set, the affiliate server 100 processes a portion (or all) of the utilization amount as a allowance through a predetermined financial system and deposits it into the card issuing institution. It is desirable to.

According to the method of the present invention, the affiliate server 100 deposits a predetermined allowance corresponding to the utilization amount in connection with the financial system in which the affiliate financial account is opened to the card company financial account (or allowance deposit account). It is desirable to.

In addition, the affiliate server 100 may periodically update the utilization amount for the affiliate card with reference to the affiliate card transaction history of the customer who registered the affiliate card. In this case, the affiliate server 100 It is preferable to deposit a predetermined allowance corresponding to the utilization amount renewal to the credit card company financial account (or allowance deposit account) in connection with the financial system in which the affiliate financial account is opened.

In addition, the affiliate server 100 refers to the affiliate card transaction history of the customer who registered the affiliate card when the payment amount corresponding to the utilization amount is overdue, and the affiliate financial account is opened for a provision corresponding to the overdue amount. In addition to the financial system, it is desirable to make an additional deposit to the credit card company's financial account (or allowance deposit account).

In addition, the affiliate server 100 is characterized in that for setting the approval target information for each limit including at least one or more usage approval target for the usage amount, the usage approval target is through the usage amount At least one merchant information (or merchant group information) to be paid and processed, and payment amount information, online / offline payment channel information and the like is preferably included at least one or more.

According to the present invention, the card company server 110 sets a predetermined card limit amount for the affiliate card in the process of issuing the affiliate card, wherein the card limit amount includes the credit card attribute. In this case, it is preferable to include a credit limit amount for the affiliate card, and if the affiliate card includes a check card / debit card attribute, it is preferable to include a customer account balance associated with the affiliate card. .

In addition, the card company server 110 is characterized in that for setting the approval target information for each limit including at least one or more card limit authorization target for the card limit amount, the card limit authorization object through the card limit amount At least one merchant information (or merchant group information) to be paid and processed, and payment amount information, online / offline payment channel information and the like is preferably included at least one or more.

Hereinafter, a method for issuing an affiliated card corresponding to each card number rental method will be described based on the basic system configuration shown in FIG. 1 for issuing an affiliate card for each card company using the card number rental method.

However, the method for issuing an alliance card for each card company according to the present invention is not limited to the card number rental method, and a method of allocating a predetermined virtual card number to the alliance card by the card issuing affiliate institution (eg, an affiliate company). The server 100 first issues an affiliate card including the virtual card number, and stores and registers the card company server 110 in association with the virtual card number and the real card number), or the card issuing affiliated institution. Allocate the wireless terminal information (or membership card number) of the customer to the affiliated card (for example, an affiliate card that uses the customer wireless terminal information (or membership card number) as an affiliate card number in the affiliate server 100). Issuing the first, and then stored in association with the affiliate card number and the actual card number in the card company server 110 to register Manner) and the like, and the present invention is not limited thereto.

2 is a diagram illustrating a card registration system for issuing an affiliate card in the form of MS / IC through collective leasing of card numbers according to an embodiment of the present invention.

In more detail, FIG. 2 shows that when a predetermined customer provides card registration application information for issuing an affiliate card through leasing a predetermined card number to a card issuing affiliate institution through a predetermined card registration interface, the card issuing affiliate institution is configured to provide the card registration application information. It is a system configuration for issuing an affiliate card in the form of a predetermined MS (Magnetic Stripe) card or IC (Integrated Circuit) card to the customer based on the provided card registration application information, specifically, a rental card for storing the rental card number The number D / B 250 illustrates an implementation method provided in the card issuing affiliated institution.

Those skilled in the art to which the present invention pertains, various implementation methods (for example, the lease) for the configuration of a card registration system for issuing an affiliated card through the lease of the card number by referring to and / or modifying the drawing 2 The rental card number D / B 250 storing the card number may be provided in the card issuing institution, or the implementation method of synchronizing the rental card number D / B 250 may be inferred. It includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Hereinafter, at least one means and / or function of issuing a predetermined affiliate card to the customer based on the card registration application information provided from the customer through a predetermined card registration interface on the card registration system shown in FIG. Components corresponding to the configuration are referred to as "affiliate server 100" for convenience, and the card issuing agency provided with the affiliate server 100 may be a mobile communication company affiliated with the card issuing institution, various wireless communication companies, various wired communication companies, It is preferable to include at least one or more portal operators.

Referring to FIG. 2 according to an embodiment of the present invention, a card registration system for issuing an affiliate card through leasing the card number may be used by an employee of an affiliated employee provided at at least one card issuing institution (or financial institution). And a client terminal including at least one wired terminal and / or a wireless terminal used by the customer when the card registration system supports a non-face-to-face card registration application. The employee terminal and / or the client terminal are connected to the affiliate server 100 provided in the card issuing affiliated agency through a predetermined network means.

According to one embodiment of the present invention, the customer visits the card issuing agency to issue an affiliate card through the card number leasing and through the window provided at the card issuing institution (or through an affiliated employee). Fill out a predetermined card registration application for issuing an affiliate card through lease (e.g., a document with a form for filling in at least one item of information for issuing an affiliate card through lease of the card number) and / or the affiliate employee Visit the customer and have the customer fill out a predetermined card registration application for issuing an affiliate card through leasing the card number), and submit the completed card registration application to the affiliated employee. Enter (or select) the information entered in the card registration application through the employee's terminal, The employee terminal preferably transmits the input (or selected) information to the affiliate server 100 provided in the card issuing affiliate institution through the network means.

Here, preferably, the employee terminal includes an employee terminal used by an affiliated employee provided in the card issuing institution, and the affiliate server 100 connected to the employee terminal is the card issuing institution (or financial institution, or the And a server provided on a card issuing agency affiliated with a card issuing institution, wherein the network means for connecting the employee terminal and the affiliate server 100 is between the employee terminal and the affiliate server 100. It is preferable to include a communication network connecting the communication channel.

In the card registration system as described above, the card registration application created by the customer, the employee terminal used by the affiliated employee and the financial network connecting the employee terminal and the affiliated server 100, the customer rents the card number. It performs a function of a card registration interface for registering card registration application information for issuing an affiliate card through.

According to another exemplary embodiment of the present invention, when the card registration system supports a non-face-to-face card registration application, the customer is selected from a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network. Access the affiliate server 100 through at least one client terminal and input card registration application information for issuing an affiliate card through lease of the card number through at least one user interface provided by the affiliate server 100. (Or optional), the client terminal preferably transmits through the predetermined network means to the affiliate server 100 provided in the card issuing affiliate institution.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices connected to a TCP / IP based communication network, and a desktop computer and / or a notebook 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.

In addition, the wireless terminal connected to the wireless communication network is all terminal devices connected to a code division multiple access (CDMA) based mobile communication network, and / or all terminal devices connected to a high speed downlink packet access (HSDPA) based wireless communication network, and / Or all terminal devices connected to the IEEE 802.16x based mobile Internet, and / or all terminal devices connected to Motorola's DataTAC method and / or Erricson's Mobitex type wireless data communication network, and are personal communications connected to the CDMA based mobile communication network. Terminal (Personal Communication System; PCS) and / or Global System for Mobile communications (GSM) terminals and / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or personal information terminals Personal Digital Assistant (PDA) and / or Smart Phone and / or Telematics, or High Speed Do at least one wireless communication terminal connected to a wireless communication network based on a wnlink packet access), a portable internet terminal connected to the IEEE 802.16x based mobile Internet, or a wireless data communication terminal connected to the DataTAC / Mobitex based wireless data communication network. It is preferable to make.

The client terminal may output at least one user interface provided by the affiliate server 100, input and / or select at least one information through the user interface, and transmit the same to the affiliate server 100. It is preferable that a function configuration (e.g., a browser program and a communication function, or a predetermined communication program and a communication function to communicate with the affiliate server 100) 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 and / or wireless terminals, and thus a detailed description thereof will be omitted for convenience. .

In the card registration system as described above, a client terminal including at least one wired terminal and / or a wireless terminal used by the customer, at least one wired communication network connecting the client terminal and the affiliate server 100 and / or Alternatively, the wireless communication network performs a function of a card registration interface for registering the card registration application information for the customer to issue an affiliated card through leasing the card number.

According to another embodiment of the present invention, when the card registration system supports a non-face-to-face card registration application, the card registration terminal, in addition to the employee terminal and / or client terminal, a predetermined financial network (eg, 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. And a terminal (and / or standing) provided in at least one or more organizations affiliated with the card issuing organization, and / or further comprising a predetermined call terminal (not shown) connected to the card issuing organization. Burr (not shown) may be further included, whereby the present invention is not limited.

In the case of supporting a non-face-to-face card registration application as described above, when the card registration terminal is the financial automatic device (not shown), the financial automatic device (not shown) and the financial automatic device (not shown) And a financial network connecting the affiliate server 100 performs a function of a card registration interface for registering the card registration application information for the customer to issue an affiliate card through the lease of the card number, and / or the card registration. When the terminal is the call terminal (not shown), a wired telephone network and / or a wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the affiliate server 100 may be used by the customer. Perform a function of a card registration interface for registering card registration application information for issuing an affiliate card through number rental, and / or the card registration stage In the case of a terminal (and / or server) (not shown) provided in an institution affiliated with the card issuing organization, the terminal (and / or server) (not shown) and the terminal (and / or server) (not shown) Network connecting the affiliate server 100 performs a function of a card registration interface for registering the card registration application information for issuing an affiliate card through the card number rental.

According to an embodiment of the present invention, the rental card number D / B 250 provided in the card issuing affiliate institution is registered at least one or more through the card issuing affiliate institution at least one or more card issuing institutions shown in FIG. It is preferable to include at least one or more card numbers leased to be assigned to the above affiliated card, it is preferable that the lease card number further comprises card issuing agency information.

Here, the rental card number, including all 16-digit card number, or the nine-digit serial number of the 16-digit card number (for example, the first four digits corresponding to the card issuing agency number and corresponding to the card type number) The next 2 digits and the remaining 9 digit serial number except the last 1 digit corresponding to the check digit), preferably including a predetermined number area, 16 digit card according to the intention of the skilled person In addition to the numbers, lease card numbers that follow a different card number system may be included.

In addition, the card issuing agency information is information for identifying at least one or more card issuing institutions that have leased the lease card number to the card issuing affiliate, and issuing at least one or more card numbers to the card issuing affiliate. If there is only one engine, it is possible to omit it and thereby the present invention is not limited.

The storage medium 255 provided in the card issuing affiliate institution issues a predetermined alliance card to the customer based on the card registration application information provided from the card registration terminal, and then the customer information according to the issuance of the alliance card. And affiliated card issuance information including at least one affiliated card information and card attribute information, wherein the affiliated card issuance information stored in the storage medium 255 is for leasing the card number in a card issuing affiliated institution. It is used to provide affiliate card related services through.

According to another exemplary embodiment of the present invention, the storage medium 255 may be connected to a predetermined DBMS interworking with a server (or device) that performs a predetermined information processing function using the affiliated card issuing information at the card issuing affiliated institution. Preferably, the storage medium 255 may be provided at various positions according to the intention of those skilled in the art, and the present invention is not limited thereto.

The affiliate server 100 provided in the card issuing affiliate institution is a generic term for the card issuing affiliate institution component connected to the card registration terminal 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 affiliate server 100 is provided with an interface unit 200 (or interface means) for providing a predetermined card registration interface to the card registration terminal through the network means. do.

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

According to another embodiment of the present invention, when the card registration terminal is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 200 is based on the protocol stack defined in the wired communication 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 provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 200 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 a predetermined card registration application program provided by the affiliate server 100 is provided in the client terminal, the interface unit 200 connects a communication channel with the client terminal based on the TCP / IP protocol. It 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 registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 200 is based on a protocol stack defined in the wireless communication network. It is preferable to connect a predetermined communication channel with the client terminal, and to provide a communication interface for transmitting and receiving at least one or more 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 200 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 registration application program provided by the affiliate server 100, the interface unit 200 connects a communication channel with the client terminal based on the CDMA protocol, the communication program Provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in.

Referring to FIG. 2, the affiliate server 100 is connected with the interface unit 200 when a predetermined card registration terminal is connected to the affiliate server 100 through the interface unit 200. An interface providing unit 205 (or interface providing means) for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined card registration application information to the card registration terminal; An information receiving unit 210 (or information receiving means) for receiving predetermined card registration request information transmitted (or selected) from the card registration terminal through the user interface in association with the interface unit 200, and the reception unit; A validity authentication unit 215 (or validity check) for confirming validity of issuing the affiliate card to the customer based on the registered card registration application information. Card number allocating unit 225 for allocating a predetermined lease card number among at least one lease card number provided in the lease card number D / B 250 as an affiliate card number for the registered affiliate card; (Or card number assignment means), card information generation unit 230 (or information generation means) for generating predetermined association card information including the association card number, and the card issuance association in correspondence with the association card. Usage card setting unit (235) (or usage setting means) for setting the use amount and the approval target for each limit for the amount used by the institution, and the affiliated card information through a predetermined card registration device The card issuing unit 245 (card issuing means) for issuing a predetermined alliance card, including; and the predetermined affiliation card issuance information corresponding to the alliance card issued to the customer. And an information storage unit 240 to store the medium 255 (or information storage medium) is characterized in that formed.

In addition, the affiliate server 100 after the predetermined partnership card is issued through the card issuing unit 245, the predetermined through the communication means (for example, a dedicated communication network, or a secure communication network based on encrypted communication) The card company server 110 provided in the card issuing organization is characterized in that it comprises an information transmitting and receiving unit 220 for transmitting the customer information, card information, and card attribute information corresponding to the partnership card.

In addition, the information transmitting and receiving unit 220, when a predetermined cooperation card number is assigned by the card number assignment unit 225, the card company server 110 provided in the card issuer through the communication means to the card company The affiliate card number assigned by the number assignment unit 225 is transmitted, and a card verification value (or verification code) corresponding to the affiliate card number from the card company server 110 (eg, a CVV (Card Verification) of a visa card. Value), CVC (Card Validation Code) of the master card, CID (Confidential Identifier Number or Card Identification Number) of the American Express card, and the like, and the card verification value (or verification code) in the rental card number ), The function of transmitting and receiving the card verification value (or verification code) for the association card number may be omitted.

The interface providing unit 205, when a predetermined card registration terminal is connected to the affiliate server 100 through the interface unit 200, the card registration application information corresponding to the functional configuration provided in the card registration terminal; Generate a predetermined user interface which can be input (or selected) and transmitted to the affiliate server 100 via the network means, and / or extract from a predetermined database (not shown), and the interface unit 200 And providing the generated (or extracted) user interface to the card registration terminal through the network means.

Thereafter, the card registration terminal inputs (or selects) the card registration application information based on the user interface, and transmits the input (or selected) card registration application information to the affiliate server 100 through the network means. send.

When the card registration terminal is an employee terminal connected to a predetermined financial network according to an exemplary embodiment of the present invention, the interface providing unit 205 may provide a predetermined user interface that can be provided by a card registration application program provided in the employee terminal. It is preferable to generate (or extract) and provide the user interface generated (or extracted) to the employee terminal through the interface unit 200.

According to another embodiment of the present invention, when the card registration terminal is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface providing unit 205 may include a browser program and / or provided in the client terminal. 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 200.

According to another embodiment of the present invention, when the card registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 205 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 200.

The information receiving unit 210 inputs (or selects) predetermined card registration request information through the user interface through the user interface at the card registration terminal, and registers the card in cooperation with the interface unit 200. Characterized by receiving the application information, and provides the received card registration application information to the validity authentication unit 215.

According to an embodiment of the present invention, the card registration application information includes customer information of the card registration customer and at least one or more kinds of card attribute information for setting card attributes for the affiliated card.

Here, the customer information is personal information of the card registered customer (for example, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.), and the customer has subscribed to the affiliate server 100. It is preferable to include at least one member information (eg, member ID information).

Further, the card attribute information for the affiliate card may be assigned to a credit card attribute, a check card attribute, a debit card attribute, a cash card attribute, or a prepaid card firing. It is preferable to include at least one or more attribute setting information to be provided.

For example, when assigning a credit card attribute to the affiliate card, the card attribute information may include credit inquiry consent information for issuing the affiliate card, and assigns a check card / debit card / cash card attribute to the affiliate card. In the case of granting, the card attribute information may include customer account information associated with the affiliate card. When the prepaid card attribute is assigned to the affiliate card, the card attribute information may be set to the affiliate card. It may include a prepaid card charging information for charging.

According to another embodiment of the present invention, when the card attribute is fixed by the card issuing affiliate (or card issuing authority) or is set in a policy, the card attribute information may be omitted, thereby limiting the present invention. Not.

According to the embodiment of the present invention, the card registration application information may further comprise predetermined utilization application information including a predetermined utilization request amount, in which case the utilization setting unit 235 may It is possible to set the utilization amount for the affiliated card based on the utilization request amount included in the utilization application information, whereby the present invention is not limited.

The validity authentication unit 215 checks the validity of issuing the affiliate card to the customer based on the customer information included in the received card registration application information.

According to the implementation method of the present invention, the validity confirmation for issuing the alliance card to the customer, based on the customer name and resident registration number included in the customer information, a predetermined real name verification server (not shown) It is preferable to include a) to confirm the real name of the customer in conjunction with).

In addition, when the affiliated card includes a credit card attribute, the validity check for issuing the affiliated card to the customer is based on a predetermined communication means based on the customer information. It is preferable to include the check the credit information of the customer in conjunction with).

In addition, when the affiliate card includes a check card / debit card attribute, the validity check for issuing the affiliate card to the customer is performed based on the customer information. It is preferable that the customer account associated with the card is formed in connection with a financial institution server (not shown) opened and confirming whether the customer account is opened and normally operated.

The card number allocating unit 225 stores the at least one rental card number based on the card registration application information received through the information receiving unit 210 from the lease card number D / B 250 of the affiliated card. Identify a predetermined lease card number to be assigned to and generate (or extract) a predetermined lease card number including the lease card number, and assign the lease card number to the affiliated card.

According to an embodiment of the present invention, when the lease card number D / B 250 is provided with a 16-digit lease card number, the card number allocator 225 reads a predetermined lease card number among the lease card numbers. It is preferable to extract by the affiliate card number.

According to another embodiment of the present invention, when the rental card number D / B 250 is provided with a rental card number including a 9-digit serial number of the 16-digit card number, the card number assignment unit 225 is It is preferable to generate a predetermined affiliate card number including a rental card number, a card issuing agency information number, a card type number, and a check digit corresponding to the nine-digit serial number.

If the person having ordinary knowledge in the technical field to which the present invention belongs, if the lease card number follows a card number system other than the 16-digit card number, the lease card number to the affiliated card number according to the card number system Various implementation methods may be inferred, and the present invention is characterized by including all implementation methods inferred.

According to the method of the present invention, when a predetermined cooperation card number is assigned by the card number assignment unit 225, the information transmitting and receiving unit 220 is a card company server provided in the card issuer through the communication means ( The card number assignment unit 225 transmits the affiliate card number assigned by the card number assignment unit 225, and a card verification value (or verification code) corresponding to the affiliate card number from the card company server 110 (eg, a visa card). It is preferable to receive the CVV (Card Verification Value), Master Card CVC (Card Validation Code), American Express Card CID (Confidential Identifier Number or Card Identification Number), and the card verification value in the rental card number (Or verification code) or when the card number assignment unit 225 is provided with the card verification value (or verification code) generation function, the information transmitting and receiving unit 220 is The ability to transmit and receive a card verification value for a holiday card number (or validation code) but may be omitted.

When the association card number is generated (or extracted) as described above, the card information generation unit 230 may generate predetermined association card information including the association card number.

According to an embodiment of the present invention, the affiliate card information includes at least one affiliate card number, a card verification value (or verification code), the card expiration date (some may be omitted), and card issuer information (or code). It is preferable to make it.

For example, the card number (although some exceptions exist) preferably includes a four-digit card issuing organization number, a two-digit card type number, a nine-digit serial number, and a check digit.

The expiration date information is preferably made to include the period (or expiration date and time) that can be used for the affiliate card, it may be omitted if the expiration date does not exist in the affiliate card, thereby the present invention is not limited .

The card issuing organization information (or code) preferably comprises at least one or more unique numbers (or unique codes) assigned to the card issuing organization (or financial company) that issues the affiliate card to the customer.

When predetermined affiliated card information included in the affiliated card is generated by the card information generating unit 230, the utilization setting unit 235 sets a predetermined amount of money according to the utilization policy of the card issuing affiliated institution. Characterized in that the issuing affiliated institution is set to the usage amount that is assigned to the affiliated card.

Alternatively, the utilization setting unit 235 may determine the customer grade set by the card issuing affiliate institution or the loyalty of the customer to the card issuing affiliate institution based on the customer information included in the card registration application information. In consideration of the above, the predetermined amount is set as a usage amount that the card issuing affiliate institution gives to the affiliated card.

Alternatively, the utilization setting unit 235 checks the credit rating of the customer in association with at least one credit evaluation server (not shown) based on the customer information included in the card registration application information, and then corresponds to the credit rating. It is characterized in that the predetermined amount of money is set to the utilization amount that the card issuing affiliated organization gives to the affiliated card.

Alternatively, the utilization setting unit 235 checks the account balance of the customer in association with at least one financial company server (not shown) based on the customer information included in the card registration application information, and then corresponds to the account balance. It is characterized by setting a certain amount of money to the utilization amount that the card issuing affiliated organization gives to the affiliated card.

Alternatively, the utilization setting unit 235 requests the credit limit amount information of the customer to the card company server 110 provided in the card issuing agency based on the customer information included in the card registration application information, Characterized in that a certain percentage of the amount corresponding to the credit limit amount to be confirmed is characterized in that the card issuance affiliated institutions to set the amount of the usage amount that the affiliated card.

Those skilled in the art to which the present invention pertains, in addition to the usage setting method described above, it is possible to infer various implementation methods in which the card issuing affiliate institution gives a predetermined usage amount to the affiliate card. The invention is characterized in that it comprises all the methods of inference.

According to the exemplary embodiment of the present invention, the utilization setting unit 235 sets approval target information for each limit including at least one or more affiliate store information (or affiliate store group information) to be processed for payment through the set utilization amount. Or / or set the approval target information for each limit including at least one one-time payment amount or daily / weekly / monthly payment amount to be processed through the set utilization amount, and / or the affiliate card When the payment is processed through the online payment channel, the payment amount is processed through the utilization amount, or when the payment is processed through the offline payment channel, the payment amount is processed through the utilization amount. It is desirable to set approval target information for each limit.

According to another exemplary embodiment of the present invention, the approval target information for each limit may include information for first subtracting the payment amount through the affiliate card from the usage amount regardless of the payment condition corresponding to the affiliate card. It is possible, and the invention is not limited thereby.

When predetermined affiliated card information included in the affiliated card is generated by the card information generator 230, the card issuing unit 245 generates an affiliated card including the affiliated card information through a predetermined card registration device. And (or having the affiliate card information included in the affiliate card), the affiliate card is provided (or delivered) to the customer.

If the affiliate card is an MS (Magnetic Stripe) card, the card registration device records the affiliate card information on at least one MS track (eg, track I, track II, track III) included in the affiliate card. In this case, the card information generation unit 230 generates an association card information in a data structure recordable in at least one or more MS tracks, and the card issuing unit 245 cooperates with the card registration device. By recording card information in at least one or more MS tracks, a predetermined affiliate card to be issued to the customer is issued.

Alternatively, if the affiliated card is an IC (Integrated Circuit) card, the card registration device comprises a device for recording the affiliated card information in a memory provided in the IC chip of the affiliated card, wherein the card information generation The unit 230 generates the affiliate card information in a file structure operable through a COS (Chip Operating System) provided in the IC chip, and the card issuing unit 245 generates the affiliate card information through the card registration device. Is recorded in the memory of the IC chip, and a predetermined partnership card to be issued to the customer is issued.

The affiliated card produced as described above is provided to the customer and / or delivered to the customer according to a predetermined card providing procedure, and the customer then uses the affiliated card through the card issuing affiliated agency.

Thereafter, the information storage unit 240 includes customer information included in the card registration application information received from the customer through the information receiving unit 210, the generated affiliate card information, and card attribute information of the affiliate card. And storing, in the storage medium 255, the affiliated card issuing information including at least one usage amount information of the affiliated card and at least one authorization target information.

Here, the customer information included in the affiliated card issuance information includes personal information of the card registered customer (for example, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.), and the customer It is preferable to include at least one member information (for example, member ID information) subscribed to the affiliate server 100.

In addition, the card attribute information included in the affiliate card issuance information may be assigned to a credit card attribute, a check card attribute, a debit card attribute, a cash card attribute, or prepaid. At least one attribute setting information for imparting card firing is preferably included.

For example, when assigning a credit card attribute to the affiliate card, the card attribute information includes various attribute information (eg, credit limit, etc.) for use in payment through a credit card payment system for issuing the affiliate card. When the check card / debit card / cash card attribute is given to the affiliate card, the card attribute information may include customer account information associated with the affiliate card, and the prepaid card attribute is added to the affiliate card. In the case of granting, the card attribute information may include information on the amount of charge charged in the affiliate card.

Those skilled in the art will be able to infer various technical configurations of the card attribute information, so a detailed description thereof will be omitted.

In addition, the utilization amount information for the affiliated card is preferably made to include a predetermined amount of the limit given to the affiliated card by the card issuing affiliated institution, and then a part (or all) of the utilization amount is the card. It is preferable to deposit in the form of a customer allowance from the issuing affiliate institution to the card issuer.

According to an exemplary embodiment of the present invention, the approval target information for each limit includes at least one merchant information (or merchant group information), payment amount information, online / offline payment channel information, etc. to be paid and processed through the utilization amount. It is preferable to comprise at least one or more.

According to another exemplary embodiment of the present invention, the approval target information for each limit may include information for first subtracting the payment amount through the affiliate card from the usage amount regardless of the payment condition corresponding to the affiliate card. It is possible, and the invention is not limited thereby.

Referring to FIG. 2, the card company server 110 of the card issuing organization connected to the affiliate server 100 through a predetermined communication means receives a predetermined affiliate card number from the affiliate server 100 through the communication means. The information transmitting / receiving unit 260 (or information receiving unit) that receives (or receives a card verification value (or verification code) request information) and the predetermined information from the affiliate server 100 through the information transmitting / receiving unit 260. When receiving an affiliate card number (or when a card verification value (or verification code) is requested), the verification card information generation unit 230 generating a predetermined card verification value (or verification code) corresponding to the affiliate card number. And the information transceiving unit 260 (or information transmitting means) transmits the card verification value (or verification code) corresponding to the affiliate card number to the affiliate server 100. It characterized.

Those skilled in the art to which the present invention belongs, the verification card information generation unit 230 is the CVV (Card Verification Value) of the Visa card, CVC (Card Validation Code) of the master card, the American Express card Since you will be familiar with the technical features for generating a card verification value (or verification code) including at least one CID (Confidential Identifier Number or Card Identification Number), a detailed description thereof will be omitted for convenience.

Referring to FIG. 2, the card company server 110 of the card issuing organization connected to the affiliate server 100 through a predetermined communication means is connected to the issued affiliate card from the affiliate server 100 through the communication means. An information transmitting / receiving unit 260 (or information receiving means) for receiving affiliate card issuance information including at least one corresponding customer information, affiliate card information, and card attribute information corresponding to the affiliate card; and the received customer information. And an information storage unit 270 for storing, in the predetermined card information D / B 280, the affiliate card operation information in which the affiliate card information and the card attribute information are linked to the affiliated agency information corresponding to the card issuing affiliated institution. Characterized in that made.

Referring to FIG. 2, the card company server 110 of the card issuing agency connected to the affiliate server 100 through a predetermined communication means may limit the predetermined card limit amount and the card limit amount for the affiliate card. The card limit setting unit 275 (or card limit setting means) for setting an approval target for each card, and the card limit amount information and the approval target information for each limit on the card limit amount are included in the cooperation card operation information. An information storage unit 270 (or information storage means) for storing in the information D / B 280, and information on the card limit amount information and the authorization target information for each limit on the card limit amount through the communication means are provided through the affiliate server. Characterized in that it comprises an information transmitting and receiving unit 260 (or information transmission means) for transmitting to (100).

If the affiliated card includes a credit card attribute, the card limit setting unit 275 checks the credit level of the customer who is issued the affiliated card, and then sets a predetermined credit limit amount corresponding to the credit limit of the card. It characterized in that it is set to.

Alternatively, when the affiliated card includes a check card / debit card attribute, the card limit setting unit 275 checks a customer account associated with the affiliated card, and sets the customer account balance as the card limit amount. It is characterized by.

According to the exemplary embodiment of the present invention, the card limit setting unit 275 may set approval target information for each limit including at least one or more affiliate store information (or affiliate store group information) to be processed for payment through the set credit limit amount. And / or to set a limit authorization information including at least one one-time payment amount or a daily / weekly / monthly payment amount to be processed through the set credit limit amount, and / or the affiliate card is online. Limit to allow payment through the card limit amount if the payment is made through the payment channel or to pay through the card limit amount if the payment is made through the offline payment channel. It is desirable to set the approval target information.

According to another exemplary embodiment of the present invention, the approval target information for each limit may be configured to first subtract the payment amount through the affiliate card from the card limit amount regardless of the payment condition corresponding to the partnership card, or the affiliate server. It is possible to include information to first subtract from the usage amount registered at 100, thereby the present invention is not limited.

Thereafter, the affiliated card operation information stored in the card information D / B 280 is used by the card issuer to provide a payment service or various additional services in association with at least one affiliated store.

According to an embodiment of the present invention, the card information D / B 280 is preferably provided in a DBMS on a predetermined financial system provided in the card issuing institution (or associated with the card issuing institution). The card information D / B 280 may be a ledger D / B provided in a DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, whereby the present invention is not limited thereto. No.

According to another exemplary embodiment of the present invention, the card information D / B 280 is an online payment system, and / or a WAP-based wireless payment system, and / or an IC chip provided in (or associated with) the card issuer. It is possible to be provided in the DBMS on at least one or more of the base wireless payment system, and / or the tele payment system, whereby the present invention is not limited.

According to another embodiment of the present invention, the card information D / B 280 is an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided (or associated with) the card issuing institution. It is possible to be provided in the DBMS on at least one banking system of, and / or a TV banking system, whereby the present invention is not limited.

3 is a diagram illustrating a card registration process for issuing an affiliate card through card number rental according to an embodiment of the present invention.

In more detail, in FIG. 3, in the card registration system shown in FIG. 2, a predetermined customer creates a predetermined card registration application through a face-to-face card registration interface (e.g., the card registration application, employee terminal, and network means). When the affiliated employee submits (or selects) the card registration application information corresponding to the card registration application through a predetermined card registration terminal and transmits it to the affiliated server 100, the affiliated server ( 100 illustrates a process of issuing a predetermined affiliate card through the card number rental to the customer based on the card registration application information, specifically, a rental card number D / B (250) for storing the rental card number; ) Illustrates an implementation method provided in the card issuing affiliated institution.

Those skilled in the art to which the present invention pertains can deduce various implementation methods for issuing the alliance card for issuing the alliance card through lease of the card number by referring to and / or modifying the drawing 3. However, the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

For example, FIG. 3 illustrates that the affiliate card is produced and provided (or shipped) to the customer, and then the affiliate card issuance information is stored in the storage medium 255. The process of storing the predetermined affiliate card issuance information in the storage medium 255 may be performed before the affiliate card is produced or before the affiliate card is produced (or delivered) to the customer. The present invention is not limited.

Hereinafter, in FIG. 3, the card registration terminal illustrated in FIG. 2 is referred to as a “terminal” for convenience, and the affiliate server 100 is referred to as a “server” for convenience.

Referring to FIG. 3, in order to issue the affiliated card for issuing the affiliated card through leasing the card number, the customer is prescribed through a face-to-face card registration interface (eg, the card registration application and the employee terminal and network means). A card registration application (e.g., a document having a form for filling out at least one information item for issuing an affiliate card through lease of the card number) is completed and submitted to an affiliated employee, and the terminal is operated by the affiliated employee. Receives (or selects) card registration application information corresponding to the card registration application prepared by the customer through a predetermined user interface (300), and transmits the card registration application information to the server through the network means (305). ).

According to an embodiment of the present invention, the card registration application information includes customer information of the card registration customer and at least one or more kinds of card attribute information for setting card attributes for the affiliated card.

Here, the customer information is personal information of the card registered customer (for example, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.), and the customer has subscribed to the affiliate server 100. It is preferable to include at least one member information (eg, member ID information).

Further, the card attribute information for the affiliate card may be assigned to a credit card attribute, a check card attribute, a debit card attribute, a cash card attribute, or a prepaid card firing. It is preferable to include at least one or more attribute setting information to be provided.

For example, when assigning a credit card attribute to the affiliate card, the card attribute information may include credit inquiry consent information for issuing the affiliate card, and assigns a check card / debit card / cash card attribute to the affiliate card. In the case of granting, the card attribute information may include customer account information associated with the affiliate card. When the prepaid card attribute is assigned to the affiliate card, the card attribute information may be set to the affiliate card. It may include a prepaid card charging information for charging.

According to another embodiment of the present invention, when the card attribute is fixed by the card issuing affiliate (or card issuing authority) or is set in a policy, the card attribute information may be omitted, thereby limiting the present invention. Not.

Thereafter, the server receives and reads the card registration request information from the terminal through the network means and issues the affiliated card through leasing the card number to the customer based on the customer information included in the card registration request information. Check the card registration validity for issuing the affiliate card (310).

According to the implementation method of the present invention, the validity confirmation for issuing the alliance card to the customer, based on the customer name and resident registration number included in the customer information, a predetermined real name verification server (not shown) It is preferable to include a) to confirm the real name of the customer in conjunction with).

In addition, when the affiliated card includes a credit card attribute, the validity check for issuing the affiliated card to the customer is based on a predetermined communication means based on the customer information. It is preferable to include the check the credit information of the customer in conjunction with).

In addition, when the affiliate card includes a check card / debit card attribute, the validity check for issuing the affiliate card to the customer is performed based on the customer information. It is preferable that the customer account associated with the card is formed in connection with a financial institution server (not shown) opened and confirming whether the customer account is opened and normally operated.

If the validity to issue the affiliate card to the customer is not authenticated through the card registration application information (315), the server provides card registration error information to the customer through the card registration interface (320). Stop issuing the affiliate card to the customer.

On the other hand, if the validity to issue the affiliate card to the customer is authenticated through the card registration application information (315), the server stores at least one rental card number based on the card registration application information lease card number The rental card number to be assigned to the affiliate card is extracted from the D / B 250 and assigned to the affiliate card number (325).

Thereafter, the server transmits the affiliate card number to the card company server 110 that has leased the lease card number through the communication means, and then a verification value (or verification code) corresponding to the affiliate card number to the card company server 110. Request a card verification value (or verification code) corresponding to the affiliate card number from the card company server 110 in response thereto (330), and the affiliate card number and card verification value (or verification code). Predetermined affiliate card information is generated (step 335).

Here, the affiliated card information may include a card number (eg, 16-digit card number) corresponding to the affiliated card, the received card verification value (or verification code), expiration date information (some may be omitted), and card issuer information ( Or code).

For example, the card number (although some exceptions exist) preferably includes a four-digit card issuing organization number, a two-digit card type number, a nine-digit serial number, and a check digit.

The expiration date information is preferably made to include the period (or when the expiration date) that can use the affiliate card, it may be omitted if the expiration date does not exist in the affiliate card, thereby the present invention is not limited .

The card issuing organization information (or code) preferably comprises at least one or more unique numbers (or unique codes) assigned to the card issuing organization (or financial company) that issues the affiliate card to the customer.

According to an embodiment of the present invention, if the affiliate card is an MS card, the generated affiliate card information preferably includes a data structure recordable on at least one or more MS tracks provided in the MS card.

According to another exemplary embodiment of the present invention, if the affiliate card is an IC card, the generated affiliate card information may include a file structure operable through a chip operating system (COS) provided in the IC chip.

Thereafter, the server sets usage amount information including a predetermined limit amount assigned to the affiliate card by the card issuing affiliate institution and approval target information for each limit on the utilization amount (340).

According to the implementation method of the present invention, the server preferably sets a certain amount of money according to the usage limit policy of the card issuing affiliate to the amount of money used by the card issuing affiliate.

Alternatively, the server may set the predetermined amount in consideration of the customer grade set by the card issuing affiliate institution or the loyalty of the customer to the card issuing affiliate institution based on the customer information included in the card registration application information. It is preferable that the card issuance affiliated institution set the usage amount to be assigned to the affiliated card.

Alternatively, the server checks the credit rating of the customer in connection with at least one credit rating server (not shown) based on the customer information included in the card registration application information, and then, the server determines a predetermined amount of money corresponding to the credit rating. It is preferable that the card issuance affiliated institution set the usage amount to be assigned to the affiliated card.

Alternatively, the server checks the account balance of the customer in connection with at least one financial company server (not shown) based on the customer information included in the card registration application information, and then sets a predetermined amount of money corresponding to the account balance. It is preferable that the card issuance affiliated institution set the usage amount to be assigned to the affiliated card.

Or, the server requests the credit limit amount information of the customer to the card company server 110 provided in the card issuing agency based on the customer information included in the card registration application information, and the credit limit amount to be confirmed It is preferable to set the corresponding fixed amount of money to the utilization amount that the card issuing affiliate institution gives to the affiliate card.

Those skilled in the art to which the present invention pertains, in addition to the usage setting method described above, it is possible to infer various implementation methods in which the card issuing affiliate institution gives a predetermined usage amount to the affiliate card. It is preferable that the invention includes all the methods of inferring the above.

According to an exemplary embodiment of the present invention, the server sets approval target information for each limit including at least one or more affiliate store information (or affiliate store group information) to be processed for payment through the set utilization amount, and / or the set Set per-approval authorization information that includes at least one one-time payment amount, or at least one daily / weekly / monthly payment amount through a usage amount; and / or the affiliate card processes payment through an online payment channel. Set the approval target information for each limit to allow the payment amount to be processed through the utilization amount or to process the payment amount through the utilization amount when the payment is processed through the offline payment channel. It is desirable to.

According to another exemplary embodiment of the present invention, the approval target information for each limit includes information for first subtracting the payment amount through the affiliate card from the utilization amount regardless of the payment condition corresponding to the partnership card. It is possible that the present invention is not limited thereby.

If the utilization amount information for the affiliated card and the approval target information for the limit for the used amount are set (345), the server provides a predetermined affiliated card with the affiliated card information through a predetermined card registration device. Produce (or deliver) to the customer to produce (350).

According to an exemplary embodiment of the present invention, if the affiliate card is an MS card, the card registration apparatus may provide the affiliate card information to at least one or more MS tracks (eg, track I, track II, and track III) included in the affiliate card. It is preferable to include an apparatus for recording.

According to another embodiment of the present invention, if the association card is an IC card, the card registration device preferably includes an apparatus for recording the association card information in a memory provided in the IC chip of the association card.

Thereafter, the server issuing an affiliate card including at least one of customer information included in the card registration application information provided from the customer through the card registration interface, the generated affiliate card information, and card attribute information of the affiliate card. Information is stored in the storage medium 255 (355).

Here, the customer information included in the affiliated card issuance information includes personal information of the card registered customer (for example, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.), and the customer It is preferable to include at least one member information (for example, member ID information) subscribed to the affiliate server 100.

In addition, the card attribute information included in the affiliate card issuance information may be assigned to a credit card attribute, a check card attribute, a debit card attribute, a cash card attribute, or prepaid. At least one attribute setting information for imparting card firing is preferably included.

For example, when assigning a credit card attribute to the affiliate card, the card attribute information includes various attribute information (eg, credit limit, etc.) for use in payment through a credit card payment system for issuing the affiliate card. When the check card / debit card / cash card attribute is given to the affiliate card, the card attribute information may include customer account information associated with the affiliate card, and the prepaid card attribute is added to the affiliate card. In the case of granting, the card attribute information may include information on the amount of charge charged in the affiliate card.

Those skilled in the art will be able to infer various technical configurations of the card attribute information, so a detailed description thereof will be omitted.

In addition, the utilization amount information for the affiliated card is preferably made to include a predetermined amount of the limit given to the affiliated card by the card issuing affiliated institution, and then a part (or all) of the utilization amount is the card. It is preferable to deposit in the form of a customer allowance from the issuing affiliate institution to the card issuer.

According to an exemplary embodiment of the present invention, the approval target information for each limit includes at least one merchant information (or merchant group information), payment amount information, online / offline payment channel information, etc. to be paid and processed through the utilization amount. It is preferable to comprise at least one or more.

According to another exemplary embodiment of the present invention, the approval target information for each limit may include information for first subtracting the payment amount through the affiliate card from the usage amount regardless of the payment condition corresponding to the affiliate card. It is possible, and the invention is not limited thereby.

Thereafter, the server issues the at least one affiliate card including at least one of customer information corresponding to the affiliate card, card information, and card attribute information to the card company server 110 through the communication means. In step 360, the card company server 110 stores the affiliate card operation information further including the card issuing affiliate information in the affiliate card issuing information in a predetermined card information D / B 280 ( 365).

In addition, the card company server 110 sets predetermined credit limit amount information for the affiliated card and approval target information for each limit on the card limit amount (370).

According to an embodiment of the present invention, when the affiliate card includes a credit card attribute, the card company server 110 checks the credit rating of the customer who is issued the affiliate card, and then predetermined credit limit corresponding to the customer credit rating. It is preferable to set the amount of money to the card limit amount of money.

According to another embodiment of the present invention, when the affiliate card includes a check card / debit card attribute, the card company server 110 checks the customer account associated with the affiliate card, and stores the customer account balance on the card. It is preferable to set the limit amount.

In addition, the card company server 110 sets the permissible information for each limit including at least one or more merchant information (or merchant group information) to be settled through the set credit limit amount, and / or the set credit limit. Setting a per-approval target information that includes at least one payment amount per day or at least one daily / weekly / monthly payment amount, and / or when the affiliate card is processed through an online payment channel. It is recommended to set the subject-specific authorization information to allow the payment amount to be processed through the card limit amount or to process the payment amount through the card limit amount when the payment amount is processed through the offline payment channel. desirable.

According to another exemplary embodiment of the present invention, the card company server 110 allows the approval target information for each limit to be first subtracted from the card limit amount of the payment amount through the affiliate card regardless of the payment condition corresponding to the affiliate card. Or, it may be made to include information to first subtract from the usage amount registered in the affiliate server 100, whereby the present invention is not limited.

If the predetermined card limit amount information for the affiliated card and the authorization target information for each limit on the card limit amount are set (375), the card company server 110 may determine the card limit amount information and the card limit amount. The authorization target information for each limit is included in the cooperation card operation information and stored in the card information D / B 280 (380).

According to an embodiment of the present invention, the card information D / B 280 is preferably provided in a DBMS on a predetermined financial system provided in the card issuing institution (or associated with the card issuing institution). The card information D / B 280 may be a ledger D / B provided in a DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, whereby the present invention is not limited thereto. No.

According to another exemplary embodiment of the present invention, the card information D / B 280 is an online payment system, and / or a WAP-based wireless payment system, and / or an IC chip provided in (or associated with) the card issuer. It is possible to be provided in the DBMS on at least one or more of the base wireless payment system, and / or the tele payment system, whereby the present invention is not limited.

According to another embodiment of the present invention, the card information D / B 280 is an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided (or associated with) the card issuing institution. It is possible to be provided in the DBMS on at least one banking system of, and / or a TV banking system, whereby the present invention is not limited.

Thereafter, the card company server 110 transmits the set card limit amount information and the approval target information for each limit on the card limit amount to the server through the communication means (385). The affiliated card issuance information stored in the storage medium 255 further includes the card limit amount information and the authorization target information for each limit on the card limit amount (390).

4 is a diagram illustrating a card registration process for issuing an affiliate card through card number rental according to another embodiment of the present invention.

In more detail, FIG. 4 shows a non-face-to-face card registration interface (e.g., client terminal and network means including at least one of a wired terminal and / or a wireless terminal) in a card registration system shown in FIG. When accessing the affiliate server 100 through the input (or select) the predetermined card registration application information and transmits, the affiliate server 100 leases the card number to the customer based on the card registration application information As a process of issuing a predetermined affiliate card through, specifically, it illustrates an implementation method in which the rental card number D / B 250 storing the rental card number is provided in the card issuing affiliate institution.

Those skilled in the art to which the present invention pertains can deduce various implementation methods for issuing the alliance card for issuance of the alliance card through the lease of the card number by referring to and / or modifying the drawing 4. However, the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

For example, FIG. 4 illustrates that the affiliate card is produced and provided (or delivered) to the customer, and then the affiliate card issuance information is stored in the storage medium 255. The process of storing the predetermined affiliate card issuance information in the storage medium 255 may be performed before the affiliate card is produced or before the affiliate card is produced (or delivered) to the customer. The present invention is not limited.

Hereinafter, in FIG. 4, the card registration terminal shown in FIG. 2 is referred to as a "terminal" for convenience, and the affiliate server 100 is referred to as a "server" for convenience.

Referring to FIG. 4, the customer connects the communication channel for card registration application by accessing the server through a predetermined terminal, and the affiliate card for issuing an affiliate card through leasing the card number through the communication channel. The application is issued (400), and in response, the server generates (or extracts) a user interface for issuing the alliance card and provides it to the terminal through the communication channel (405).

Thereafter, the terminal receives (or selects) the card registration request information through the user interface and transmits the input (or select) the card registration request information to the server through the communication channel (410).

According to an embodiment of the present invention, the card registration application information includes customer information of the card registration customer and at least one or more kinds of card attribute information for setting card attributes for the affiliated card.

Here, the customer information is personal information of the card registered customer (for example, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.), and the customer has subscribed to the affiliate server 100. It is preferable to include at least one member information (eg, member ID information).

Further, the card attribute information for the affiliate card may be assigned to a credit card attribute, a check card attribute, a debit card attribute, a cash card attribute, or a prepaid card firing. It is preferable to include at least one or more attribute setting information to be provided.

For example, when assigning a credit card attribute to the affiliate card, the card attribute information may include credit inquiry consent information for issuing the affiliate card, and assigns a check card / debit card / cash card attribute to the affiliate card. In the case of granting, the card attribute information may include customer account information associated with the affiliate card. When the prepaid card attribute is assigned to the affiliate card, the card attribute information is a predetermined amount of money to the affiliate card. It may be made by including prepaid card charging information for charging.

According to another embodiment of the present invention, when the card attribute is fixed by the card issuing affiliate (or card issuing authority) or is set in a policy, the card attribute information may be omitted, thereby limiting the present invention. Not.

Thereafter, the server receives and reads the card registration request information from the terminal through the network means and issues the affiliated card through leasing the card number to the customer based on the customer information included in the card registration request information. The card registration validity for issuing the affiliate card is checked (415).

According to the implementation method of the present invention, the validity confirmation for issuing the alliance card to the customer, based on the customer name and resident registration number included in the customer information, a predetermined real name verification server (not shown) It is preferable to include a) to confirm the real name of the customer in conjunction with).

In addition, when the affiliated card includes a credit card attribute, the validity check for issuing the affiliated card to the customer is based on a predetermined communication means based on the customer information. It is preferable to include the check the credit information of the customer in conjunction with).

In addition, when the affiliate card includes a check card / debit card attribute, the validity check for issuing the affiliate card to the customer is performed based on the customer information. It is preferable that the customer account associated with the card is formed in connection with a financial institution server (not shown) opened and confirming whether the customer account is opened and normally operated.

If the validity to issue the affiliate card to the customer is not authenticated through the card registration application information (420), the server provides card registration error information to the customer through the card registration interface (425). Stop issuing the affiliate card to the customer.

On the other hand, if the validity to issue the affiliate card to the customer is authenticated through the card registration application information (420), the server stores at least one rental card number based on the card registration application information lease card number The lease card number to be allocated to the affiliate card is extracted from the D / B 250 and assigned to the affiliate card number (430).

Thereafter, the server transmits the affiliate card number to the card company server 110 that has leased the lease card number through the communication means, and then a verification value (or verification code) corresponding to the affiliate card number to the card company server 110. Request a card verification value (or verification code) corresponding to the affiliate card number from the card company server 110 in response thereto (435), and the affiliate card number and card verification value (or verification code). Generates a predetermined affiliate card information including (440).

Here, the affiliated card information may include a card number (eg, 16-digit card number) corresponding to the affiliated card, the received card verification value (or verification code), expiration date information (some may be omitted), and card issuer information ( Or code).

For example, the card number (although some exceptions exist) preferably includes a four-digit card issuing organization number, a two-digit card type number, a nine-digit serial number, and a check digit.

The expiration date information is preferably made to include the period (or expiration date and time) that can be used for the affiliate card, it may be omitted if the expiration date does not exist in the affiliate card, thereby the present invention is not limited .

The card issuing organization information (or code) preferably comprises at least one or more unique numbers (or unique codes) assigned to the card issuing organization (or financial company) that issues the affiliate card to the customer.

According to an embodiment of the present invention, if the affiliate card is an MS card, the generated affiliate card information preferably includes a data structure recordable on at least one or more MS tracks provided in the MS card.

According to another exemplary embodiment of the present invention, if the affiliate card is an IC card, the generated affiliate card information may include a file structure operable through a chip operating system (COS) provided in the IC chip.

Thereafter, the server sets usage amount information including a predetermined limit amount assigned to the affiliate card by the card issuing affiliate institution and approval target information for each limit on the usage amount (445).

According to the implementation method of the present invention, the server preferably sets a certain amount of money to be used by the card issuing affiliate to the affiliated card according to the utilization policy of the card issuing affiliate.

Alternatively, the server may set the predetermined amount in consideration of the customer grade set by the card issuing affiliate institution or the loyalty of the customer to the card issuing affiliate institution based on the customer information included in the card registration application information. It is preferable that the card issuance affiliated institution set the usage amount to be assigned to the affiliated card.

Alternatively, the server checks the credit rating of the customer in connection with at least one credit rating server (not shown) based on the customer information included in the card registration application information, and then, the server determines a predetermined amount of money corresponding to the credit rating. It is preferable that the card issuance affiliated institution set the usage amount to be assigned to the affiliated card.

Alternatively, the server checks the account balance of the customer in connection with at least one financial company server (not shown) based on the customer information included in the card registration application information, and then sets a predetermined amount of money corresponding to the account balance. It is preferable that the card issuance affiliated institution set the usage amount to be assigned to the affiliated card.

Or, the server requests the credit limit amount information of the customer to the card company server 110 provided in the card issuing agency based on the customer information included in the card registration application information, and the credit limit amount to be confirmed It is preferable to set the corresponding fixed amount of money to the utilization amount that the card issuing affiliate institution gives to the affiliate card.

Those skilled in the art to which the present invention pertains, in addition to the usage setting method described above, it is possible to infer various implementation methods in which the card issuing affiliate institution gives a predetermined usage amount to the affiliate card. It is preferable that the invention includes all the methods of inferring the above.

According to an exemplary embodiment of the present invention, the server sets approval target information for each limit including at least one or more affiliate store information (or affiliate store group information) to be processed for payment through the set utilization amount, and / or the set Set per-approval authorization information that includes at least one one-time payment amount, or at least one daily / weekly / monthly payment amount through a usage amount; and / or the affiliate card processes payment through an online payment channel. Set the approval target information for each limit to allow the payment amount to be processed through the utilization amount or to process the payment amount through the utilization amount when the payment is processed through the offline payment channel. It is desirable to.

According to another exemplary embodiment of the present invention, the approval target information for each limit may include information for first subtracting the payment amount through the affiliate card from the usage amount regardless of the payment condition corresponding to the affiliate card. It is possible, and the invention is not limited thereby.

If the utilization amount information for the affiliate card and the approval target information for each limit on the utilization amount are set (450), the server provides a predetermined affiliate card with the affiliate card information through a predetermined card registration device. Produce (or deliver) to the customer to produce (455).

According to an exemplary embodiment of the present invention, if the affiliate card is an MS card, the card registration apparatus may provide the affiliate card information to at least one or more MS tracks (eg, track I, track II, and track III) included in the affiliate card. It is preferable to include an apparatus for recording.

According to another embodiment of the present invention, if the association card is an IC card, the card registration device preferably includes an apparatus for recording the association card information in a memory provided in the IC chip of the association card.

Thereafter, the server issuing an affiliate card including at least one of customer information included in the card registration application information provided from the customer through the card registration interface, the generated affiliate card information, and card attribute information of the affiliate card. Information is stored in the storage medium 255 (460).

Here, the customer information included in the affiliated card issuance information includes personal information of the card registered customer (for example, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.), and the customer It is preferable to include at least one member information (for example, member ID information) subscribed to the affiliate server 100.

In addition, the card attribute information included in the affiliate card issuance information may be assigned to a credit card attribute, a check card attribute, a debit card attribute, a cash card attribute, or prepaid. At least one attribute setting information for imparting card firing is preferably included.

For example, when assigning a credit card attribute to the affiliate card, the card attribute information includes various attribute information (eg, credit limit, etc.) for use in payment through a credit card payment system for issuing the affiliate card. When the check card / debit card / cash card attribute is given to the affiliate card, the card attribute information may include customer account information associated with the affiliate card, and the prepaid card attribute is added to the affiliate card. In the case of granting, the card attribute information may include information about a charge amount charged in the affiliated card.

Those skilled in the art to which the present invention pertains will be able to infer a variety of technical configurations for the card attribute information, a detailed description thereof will be omitted for convenience.

In addition, the utilization amount information for the affiliated card is preferably made to include a predetermined amount of the limit given to the affiliated card by the card issuing affiliated institution, and then a part (or all) of the utilization amount is the card. It is preferable to deposit in the form of a customer allowance from the issuing affiliate institution to the card issuer.

According to an exemplary embodiment of the present invention, the approval target information for each limit includes at least one merchant information (or merchant group information), payment amount information, online / offline payment channel information, etc. to be paid and processed through the utilization amount. It is preferable to comprise at least one or more.

According to another exemplary embodiment of the present invention, the approval target information for each limit may include information for first subtracting the payment amount through the affiliate card from the usage amount regardless of the payment condition corresponding to the affiliate card. It is possible, and the invention is not limited thereby.

Thereafter, the server issues the at least one affiliate card including at least one of customer information corresponding to the affiliate card, card information, and card attribute information to the card company server 110 through the communication means. In operation 465, the card company server 110 stores the affiliate card operation information further including the card issuing affiliate information in the affiliate card issuing information in a predetermined card information D / B 280 ( 470).

In addition, the card company server 110 sets predetermined card limit amount information for the affiliated card and approval target information for each limit on the card limit amount (475).

According to an embodiment of the present invention, when the affiliate card includes a credit card attribute, the card company server 110 checks the credit rating of the customer who is issued the affiliate card, and then predetermined credit limit corresponding to the customer credit rating. It is preferable to set the amount of money to the card limit amount of money.

According to another embodiment of the present invention, when the affiliate card includes a check card / debit card attribute, the card company server 110 checks the customer account associated with the affiliate card, and stores the customer account balance on the card. It is preferable to set the limit amount.

In addition, the card company server 110 sets the permissible information for each limit including at least one or more merchant information (or merchant group information) to be settled through the set credit limit amount, and / or the set credit limit. Setting a per-approval target information that includes at least one payment amount or at least one daily / weekly / monthly payment amount to be paid through the amount, and / or when the affiliate card is processed through the online payment channel. It is recommended to set the subject-specific authorization information to allow the payment amount to be processed through the card limit amount or to process the payment amount through the card limit amount when the payment amount is processed through the offline payment channel. desirable.

According to another exemplary embodiment of the present invention, the card company server 110 allows the approval target information for each limit to be first subtracted from the card limit amount of the payment amount through the affiliate card regardless of the payment condition corresponding to the affiliate card. Or, it may be made to include information to first subtract from the usage amount registered in the affiliate server 100, whereby the present invention is not limited.

If the predetermined card limit amount information for the affiliated card and the approval target information for each limit on the card limit amount are set (480), the card company server 110 checks the card limit amount information and the card limit amount. The authorization target information for each limit is included in the affiliated card operation information and stored in the card information D / B 280 (485).

According to an embodiment of the present invention, the card information D / B 280 is preferably provided in a DBMS on a predetermined financial system provided in the card issuing institution (or associated with the card issuing institution). The card information D / B 280 may be a ledger D / B provided in a DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, whereby the present invention is not limited thereto. No.

According to another exemplary embodiment of the present invention, the card information D / B 280 is an online payment system, and / or a WAP-based wireless payment system, and / or an IC chip provided in (or associated with) the card issuer. It is possible to be provided in the DBMS on at least one or more of the base wireless payment system, and / or the tele payment system, whereby the present invention is not limited.

According to another embodiment of the present invention, the card information D / B 280 is an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided (or associated with) the card issuing institution. It is possible to be provided in the DBMS on at least one or more of the banking system, and / or TV banking system, whereby the present invention is not limited.

Thereafter, the card company server 110 transmits the set card limit amount information and the authorization target information for each limit on the card limit amount to the server through the communication means (490). The affiliated card issuance information stored in the medium 255 further includes the card limit amount information and the authorization target information for each limit on the card limit amount (495).

FIG. 5 is a diagram illustrating a card registration system for issuing an affiliate card in MS / IC form by bundling card numbers according to another embodiment of the present invention.

In more detail, Fig. 5 shows that when a given customer provides card registration application information for issuing an affiliate card through leasing a predetermined number of cards to a card issuing affiliate through a predetermined card registration interface, the card issuing affiliated agency will be informed. It is a system configuration for issuing an affiliate card in the form of a predetermined MS (Magnetic Stripe) card or IC (Integrated Circuit) card to the customer based on the provided card registration application information, specifically, a rental card for storing the rental card number A number D / B 555 shows an implementation method provided in the card issuing engine.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 5 to infer various implementation methods for configuring a card registration system for issuing an affiliated card through leasing the card number. However, the present invention includes all the implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

Hereinafter, at least one or more means for issuing a predetermined affiliate card to the customer based on the card registration application information provided from the customer through a predetermined card registration interface on the card registration system shown in FIG. 5 and / or Components corresponding to the functional configuration are referred to as "affiliate server 100" for convenience, and the card issuing affiliated agency provided with the affiliate server 100 may be a mobile communication company, various wireless communication companies, or various wired communication companies affiliated with the card issuing organization. , At least one portal operator or the like is preferable.

Referring to FIG. 5 according to an embodiment of the present invention, a card registration system for issuing an affiliated card through leasing the card number is an employee terminal used by an affiliated employee provided in at least one card issuer (or financial institution). And / or a client terminal including at least one wired terminal and / or a wireless terminal used by the customer when the card registration system supports a non-face-to-face card registration application. Characterized in that the employee terminal and / or client terminal is connected to the communication channel and the affiliate server 100 provided in the card issuing affiliate institution through a predetermined network means.

According to one embodiment of the present invention, the customer visits the card issuing agency to issue an affiliate card through the card number leasing and through the window provided at the card issuing institution (or through an affiliated employee). Fill out a predetermined card registration application for issuing an affiliate card through lease (e.g., a document with a form for filling in at least one information item for issuing an affiliate card through lease of the card number) and / or the affiliate An employee visits the customer and asks the customer to fill out a predetermined card registration application for issuing an affiliate card through leasing the card number), and submits the completed card registration application to the affiliated employee. Enter (or select) the information provided on the card registration application through the employee's terminal The employee terminal preferably transmits the input (or selected) information to the affiliate server 100 provided in the card issuing affiliate institution through the network means.

Here, preferably, the employee terminal includes an employee terminal used by an affiliated employee provided in the card issuing institution, and the affiliate server 100 connected to the employee terminal is the card issuing institution (or financial institution, or the And a server provided on a card issuing agency affiliated with a card issuing institution, wherein the network means for connecting the employee terminal and the affiliate server 100 is between the employee terminal and the affiliate server 100. It is preferable to include a communication network connecting the communication channel.

In the card registration system as described above, the card registration application created by the customer, the employee terminal used by the affiliated employee and the financial network connecting the employee terminal and the affiliated server 100, the customer rents the card number. It performs a function of a card registration interface for registering card registration application information for issuing an affiliate card through.

According to another exemplary embodiment of the present invention, when the card registration system supports a non-face-to-face card registration application, the customer is selected from a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network. Access the affiliate server 100 through at least one client terminal and input card registration application information for issuing an affiliate card through lease of the card number through at least one user interface provided by the affiliate server 100. (Or optional), the client terminal preferably transmits through the predetermined network means to the affiliate server 100 provided in the card issuing affiliate institution.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices connected to a TCP / IP based communication network, and a desktop computer and / or a notebook 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.

In addition, the wireless terminal connected to the wireless communication network is all terminal devices connected to a code division multiple access (CDMA) based mobile communication network, and / or all terminal devices connected to a high speed downlink packet access (HSDPA) based wireless communication network, and / Or all terminal devices connected to the IEEE 802.16x based mobile Internet, and / or all terminal devices connected to Motorola's DataTAC method and / or Erricson's Mobitex type wireless data communication network, and are personal communications connected to the CDMA based mobile communication network. Terminal (Personal Communication System; PCS) and / or Global System for Mobile communications (GSM) terminals and / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or personal information terminals (Personal Digital Assistant; PDA) and / or Smart Phone and / or Telematics, or High Speed Do at least one wireless communication terminal connected to a wireless communication network based on a wnlink packet access), a portable internet terminal connected to the IEEE 802.16x based mobile Internet, or a wireless data communication terminal connected to the DataTAC / Mobitex based wireless data communication network. It is preferable to make.

The client terminal may output at least one user interface provided by the affiliate server 100, input and / or select at least one information through the user interface, and transmit the same to the affiliate server 100. It is preferable that a function configuration (e.g., a browser program and a communication function, or a predetermined communication program and a communication function to communicate with the affiliate server 100) 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 and / or wireless terminals, and thus a detailed description thereof will be omitted for convenience. .

In the card registration system as described above, a client terminal including at least one wired terminal and / or a wireless terminal used by the customer, at least one wired communication network connecting the client terminal and the affiliate server 100 and / or Alternatively, the wireless communication network performs a function of a card registration interface for registering the card registration application information for the customer to issue an affiliated card through leasing the card number.

According to another embodiment of the present invention, when the card registration system supports a non-face-to-face card registration application, the card registration terminal, in addition to the employee terminal and / or client terminal, a predetermined financial network (eg, 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 a terminal) provided in at least one or more organizations affiliated with the card issuing organization, and / or further comprising a predetermined call terminal (not shown) connected to the card issuing organization. Bourbon) (which may further include a not illustrated), to which the present invention is not limited.

In the case of supporting a non-face-to-face card registration application as described above, when the card registration terminal is the financial automatic device (not shown), the financial automatic device (not shown) and the financial automatic device (not shown) And a financial network connecting the affiliate server 100 performs a function of a card registration interface for registering the card registration application information for the customer to issue an affiliate card through the lease of the card number, and / or the card registration. When the terminal is the call terminal (not shown), the wired telephone network and / or the wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the affiliate server 100 may be used by the customer. Performs a function of a card registration interface for registering card registration application information for issuing an affiliate card through number rental, and / or the card registration terminal In the case of a terminal (and / or server) (not shown) provided in an institution affiliated with the card issuing organization, the terminal (and / or server) (not shown) and the terminal (and / or server) (not shown) Network connecting the affiliate server 100 performs a function of a card registration interface for registering the card registration application information for issuing an affiliate card through the card number rental.

According to an embodiment of the present invention, the rental card number D / B 555 provided to the card issuing organization is leased so that the card issuing institution is allocated to at least one affiliate card registered through the card issuing affiliate institution. It is preferable to include one or more card numbers, it is preferable that the card issuance further comprises a card issuing affiliated information to lease the rental card number.

Here, the rental card number, including all 16-digit card number, or the nine-digit serial number of the 16-digit card number (for example, the first four digits corresponding to the card issuing agency number and corresponding to the card type number) The next 2 digits and the remaining 9 digit serial number except the last 1 digit corresponding to the check digit), preferably including a predetermined number area, and according to the intention of the person skilled in the art In addition, it may include a rental card number that follows the other card number system.

In addition, the card issuing affiliate information is information for identifying at least one or more card issuing affiliate institutions to lease at least one or more card numbers in the card issuing authority, the card issuing affiliate institution to lease at least one or more card numbers In this case, it is possible to omit and the present invention is not limited thereby.

The storage medium 560 provided in the card issuing affiliate institution issues a predetermined alliance card to the customer based on the card registration application information provided from the card registration terminal, and then the customer information according to the issuance of the alliance card. And affiliated card issuance information including at least one affiliated card information and card attribute information, wherein the affiliated card issuance information stored in the storage medium 560 is used by the card issuing agency to lease the card number. It is used to provide affiliate card related services through.

According to another exemplary embodiment of the present invention, the storage medium 560 is connected to a predetermined DBMS interoperating with a server (or device) that performs a predetermined information processing function using the affiliated card issuing information in the card issuing affiliated institution. Preferably, the storage medium 560 may be provided at various locations according to the intention of those skilled in the art, and the present invention is not limited thereto.

The affiliate server 100 provided in the card issuing affiliate institution is a generic term for the card issuing affiliate institution component connected to the card registration terminal 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 affiliate server 100 is provided with an interface unit 500 (or interface means) for providing a predetermined card registration interface to the card registration terminal through the network means. do.

According to an exemplary embodiment of the present invention, when the card registration terminal is an employee terminal connected to a predetermined financial network, the interface unit 500 communicates with the employee terminal based on a protocol stack defined in the financial network. It is preferable to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in the card registration application program provided in the employee terminal.

According to another embodiment of the present invention, when the card registration terminal is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 500 is based on the protocol stack defined in the wired communication 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 a browser program corresponding to a Hyper-Text Transfer Protocol (HTTP) protocol is provided in the client terminal, the interface unit 500 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 a predetermined card registration application program provided by the affiliate server 100 is provided in the client terminal, the interface unit 500 connects a communication channel with the client terminal based on the TCP / IP protocol. It 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 registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 500 is based on a protocol stack defined in the wireless communication network. It is preferable to connect a predetermined communication channel with the client terminal, and to provide a communication interface for transmitting and receiving at least one or more 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 500 communicates with the client terminal based on the CDMA protocol. And a communication interface for transmitting and receiving web pages (eg, 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 registration application program provided by the affiliate server 100, the interface unit 500 connects a communication channel with the client terminal based on the CDMA protocol, and the communication program Provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in.

Referring to FIG. 5, the affiliate server 100 is connected with the interface unit 500 when a predetermined card registration terminal is connected to the affiliate server 100 through the interface unit 500. An interface providing unit 510 (or interface providing means) for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined card registration application information to the card registration terminal; An information receiving unit 515 (or information receiving means) for receiving predetermined card registration application information which is input (or selected) and transmitted from the card registration terminal through the user interface in association with the interface unit 500; A validity authentication unit 520 (or validity check) for confirming validity of issuing the affiliate card to the customer based on the registered card registration application information. Increase means) and access the lease card number D / B 555 provided in the card issuing institution through the communication means to obtain a predetermined lease card number among at least one lease card number to the registered affiliated card. A card number assignment unit 530 (or card number assignment means) assigned to a predetermined affiliate card number, and a card information generation unit 535 for generating predetermined affiliate card information including the affiliate card number (or information). Generation means) and a usage setting unit 540 (or usage setting) for setting a usage amount granted to the customer by the card issuing affiliated institution and an approval target for each limit on the usage amount corresponding to the affiliated card. Means), a card issuing unit 550 (card issuing means) for issuing a predetermined affiliate card including the affiliated card information through a predetermined card registration device, and to the customer. And an information storage unit 545 (or information storage medium) for storing a predetermined cooperation card issuing information to the storage media 560 corresponding to the affiliate geupdoen card characterized by comprising.

In addition, after the predetermined affiliate card is issued through the card issuing unit 550, the affiliate server 100 receives the predetermined affiliated card through a predetermined communication means (for example, a dedicated communication network or a secure communication network based on encrypted communication). The card company server 110 provided in the card issuing organization is characterized in that it comprises an information transmitting and receiving unit 525 for transmitting the customer information, card information, and card attribute information corresponding to the partnership card.

In addition, the information transmitting and receiving unit 525 is a rental card number D / B (555) provided in the card issuing organization through the communication means for assigning a predetermined cooperation card number by the card number assignment unit 530 ) Transmits predetermined card number request information to a DBMS (or DB server) managing the same, and receives a predetermined rental card number and provides the same to the card number allocating unit 530 in response thereto. When the number assignment unit 530 has access to the DBMS (or DB server) managing the rental card number D / B 555 provided in the card issuing organization through the communication means, the information transmission time unit is Transmission of the card number request information can be omitted, and the present invention is not limited thereby.

In addition, when a predetermined cooperation card number is assigned by the card number assigning unit 530, the information transmitting and receiving unit 525 sends the card to the card company server 110 provided in the card issuing institution through the communication means. The affiliate card number assigned by the number assignment unit 530 is transmitted, and a card verification value (or verification code) corresponding to the affiliate card number from the card company server 110 (for example, a CVV (Card Verification) of a visa card. Value), CVC (Card Validation Code) of the master card, CID (Confidential Identifier Number or Card Identification Number) of the American Express card, and the like, and the card verification value (or verification code) in the rental card number ), The function of transmitting and receiving the card verification value (or verification code) for the affiliated card number may be omitted.

The interface providing unit 510, when a predetermined card registration terminal is connected to the affiliate server 100 through the interface unit 500, the card registration application information corresponding to the function configuration provided in the card registration terminal To generate (or select) a predetermined user interface that can be transmitted to the affiliate server 100 through the network means, and / or to extract from a predetermined database (not shown), and the interface unit 500 And providing the generated (or extracted) user interface to the card registration terminal through the network means.

Thereafter, the card registration terminal inputs (or selects) the card registration application information based on the user interface, and transmits the input (or selected) card registration application information to the affiliate server 100 through the network means. send.

According to an embodiment of the present invention, if the card registration terminal is an employee terminal connected to a predetermined financial network, the interface providing unit 510 may provide a predetermined user interface that can be provided by a card registration application program provided in the employee terminal. It is preferable to generate (or extract) and provide the user interface generated (or extracted) through the interface unit 500 to the employee terminal.

According to another embodiment of the present invention, when the card registration terminal is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface providing unit 510 may include a browser program and / or provided in the client terminal. 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 500.

According to another exemplary embodiment of the present invention, when the card registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 510 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 500.

The information receiving unit 515 inputs (or selects) predetermined card registration application information through the user interface from the card registration terminal and transmits the information through the network means, and registers the card in cooperation with the interface unit 500. Characterized in that it receives the application information, and provides the received card registration application information to the validity authentication unit 520.

According to an embodiment of the present invention, the card registration application information includes customer information of the card registration customer and at least one or more kinds of card attribute information for setting card attributes for the affiliated card.

Here, the customer information is personal information of the card registered customer (for example, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.), and the customer has subscribed to the affiliate server 100. It is preferable to include at least one member information (eg, member ID information).

Further, the card attribute information for the affiliate card may be assigned to a credit card attribute, a check card attribute, a debit card attribute, a cash card attribute, or a prepaid card firing. It is preferable to include at least one or more attribute setting information to be provided.

For example, when assigning a credit card attribute to the affiliate card, the card attribute information may include credit inquiry consent information for issuing the affiliate card, and assigns a check card / debit card / cash card attribute to the affiliate card. In the case of granting, the card attribute information may include customer account information associated with the affiliate card. When the prepaid card attribute is assigned to the affiliate card, the card attribute information may be set to the affiliate card. It may include a prepaid card charging information for charging.

According to another embodiment of the present invention, when the card attribute is fixed by the card issuing affiliate (or card issuing authority) or is set in a policy, the card attribute information may be omitted, thereby limiting the present invention. Not.

According to the implementation method of the present invention, the card registration application information may further comprise predetermined utilization application information including a predetermined utilization request amount, in which case the utilization setting unit 540 is It is possible to set the utilization amount for the affiliated card based on the utilization request amount included in the utilization application information, whereby the present invention is not limited.

The validity authentication unit 520 checks the validity of issuing the alliance card to the customer based on the customer information included in the received card registration application information.

According to the implementation method of the present invention, the validity confirmation for issuing the alliance card to the customer, based on the customer name and resident registration number included in the customer information, a predetermined real name verification server (not shown) It is preferable to include a) to confirm the real name of the customer in conjunction with).

In addition, when the affiliated card includes a credit card attribute, the validity check for issuing the affiliated card to the customer is based on a predetermined communication means based on the customer information. ), It is desirable to include verifying the credit information of the customer.

In addition, when the affiliate card includes a check card / debit card attribute, the validity check for issuing the affiliate card to the customer is performed based on the customer information. It is preferable that the customer account associated with the card is formed in connection with a financial institution server (not shown) opened and confirming whether the customer account is opened and normally operated.

The card number assignment unit 530 is connected to the DBMS (or DB server) provided in the card issuing organization on the basis of the card registration application information through the communication means from the rental card number D / B (555) And identifying (or receiving) a predetermined lease card number to be assigned to the affiliated card, generating (or extracting) a predetermined affiliate card number including the lease card number, and assigning it to the affiliated card.

According to an embodiment of the present invention, when the lease card number D / B 555 is provided with a 16-digit lease card number, the card number allocating unit 530 selects a predetermined lease card number among the lease card numbers. It is preferable to extract by the affiliate card number.

According to another embodiment of the present invention, when the rental card number D / B 555 is provided with a rental card number including a 9-digit serial number of the 16-digit card number, the card number assignment unit 530 is provided. It is preferable to generate a predetermined partnership card number including a rental card number, a card issuing agency information number, a card type number, and a check digit corresponding to the 9-digit serial number.

If the person having ordinary knowledge in the technical field to which the present invention belongs, if the lease card number follows a card number system other than the 16-digit card number, the lease card number to the affiliated card number according to the card number system Various implementation methods may be inferred, and the present invention is characterized by including all implementation methods inferred.

According to an embodiment of the present invention, when a predetermined cooperation card number is assigned by the card number assignment unit 530, the information transmission / reception unit 525 is provided with a card company server provided in the card issuing organization through the communication means. The card number assignment unit 530 transmits the affiliate card number assigned by the card number assignment unit 530, and a card verification value (or verification code) corresponding to the affiliate card number from the card company server 110 (eg, a visa card). It is preferable to receive the CVV (Card Verification Value), Master Card CVC (Card Validation Code), American Express Card CID (Confidential Identifier Number or Card Identification Number), and the card verification value in the rental card number (Or verification code) or when the card number assignment unit 530 has the function of generating the card verification value (or verification code), the information transmitting and receiving unit 525 The ability to transmit and receive a card verification value for the time Hugh card number (or validation code) but may be omitted.

When the association card number is generated (or extracted) as described above, the card information generation unit 535 generates predetermined association card information including the association card number.

According to an embodiment of the present invention, the affiliate card information includes at least one affiliate card number, a card verification value (or verification code), the card expiration date (some may be omitted), and card issuer information (or code). It is preferable to make it.

For example, the card number (although some exceptions exist) preferably includes a four-digit card issuing organization number, a two-digit card type number, a nine-digit serial number, and a check digit.

The expiration date information is preferably made to include the period (or expiration date and time) that can be used for the affiliate card, it may be omitted if the expiration date does not exist in the affiliate card, thereby the present invention is not limited .

The card issuing organization information (or code) preferably comprises at least one or more unique numbers (or unique codes) assigned to the card issuing organization (or financial company) that issues the affiliate card to the customer.

When predetermined affiliated card information included in the affiliated card is generated by the card information generating unit 535, the utilization setting unit 540 sets a predetermined amount of money according to the utilization policy of the card issuing affiliated institution. Characterized in that the issuing affiliated institution is set to the usage amount that is assigned to the affiliated card.

Alternatively, the utilization setting unit 540 is based on the customer information included in the card registration application information, the customer grade set by the card issuing affiliate institution, or the loyalty of the customer to the card issuing affiliate institution, etc. In consideration of the above, the predetermined amount is set as a usage amount which the card issuing affiliate institution gives to the affiliate card.

Alternatively, the utilization setting unit 540 checks the credit rating of the customer in connection with at least one credit evaluation server (not shown) based on the customer information included in the card registration application information, and then corresponds to the credit rating. It is characterized in that the predetermined amount of money is set to the utilization amount that the card issuing affiliated organization gives to the affiliated card.

Alternatively, the utilization setting unit 540 checks the account balance of the customer in association with at least one financial company server (not shown) based on the customer information included in the card registration application information, and then corresponds to the account balance. It is characterized by setting a certain amount of money to the utilization amount that the card issuing affiliated organization gives to the affiliated card.

Alternatively, the utilization setting unit 540 requests the credit limit amount information of the customer to the card company server 110 provided in the card issuing agency based on the customer information included in the card registration application information, Characterized in that a certain percentage of the amount corresponding to the credit limit amount to be confirmed is characterized in that the card issuance affiliated institutions to set the amount of the usage amount that the affiliated card.

Those skilled in the art to which the present invention pertains, in addition to the usage setting method described above, it is possible to infer various implementation methods in which the card issuing affiliate institution gives a predetermined usage amount to the affiliate card. The invention is characterized in that it comprises all the methods of inference.

According to the exemplary embodiment of the present invention, the utilization setting unit 540 may set approval target information for each limit including at least one or more affiliate store information (or affiliate store group information) to be paid and processed through the set utilization amount. And / or to set the per-approval target information including at least one or more one-time payment amount or daily / weekly / monthly payment amount to be processed through the set utilization amount, and / or the affiliate card is online. Limit to allow the payment amount to be processed through the utilization amount when the payment is made through the payment channel, or to process the payment amount through the utilization amount when the payment is processed through the offline payment channel. It is desirable to set the approval target information.

According to another exemplary embodiment of the present invention, the approval target information for each limit may include information for first subtracting the payment amount through the affiliate card from the usage amount regardless of the payment condition corresponding to the affiliate card. It is possible, and the invention is not limited thereby.

When predetermined affiliated card information included in the affiliated card is generated by the card information generator 535, the card issuing unit 550 generates an affiliated card including the affiliated card information through a predetermined card registration device. And (or having the affiliate card information included in the affiliate card), the affiliate card is provided (or delivered) to the customer.

If the affiliate card is an MS (Magnetic Stripe) card, the card registration device records the affiliate card information on at least one MS track (eg, track I, track II, track III) included in the affiliate card. In this case, the card information generation unit 535 generates the association card information in a data structure recordable in at least one or more MS tracks, and the card issuing unit 550 cooperates with the card registration device. By recording card information in at least one or more MS tracks, a predetermined affiliate card to be issued to the customer is issued.

Alternatively, if the affiliated card is an IC (Integrated Circuit) card, the card registration device comprises a device for recording the affiliated card information in a memory provided in the IC chip of the affiliated card, wherein the card information generation The unit 535 generates the association card information in a file structure operable through a COS (Chip Operating System) provided in the IC chip, and the card issuing unit 550 performs the association card information through the card registration device. Is recorded in the memory of the IC chip, and a predetermined partnership card to be issued to the customer is issued.

The affiliated card produced as described above is provided to the customer and / or delivered to the customer according to a predetermined card providing procedure, and the customer then uses the affiliated card through the card issuing affiliated agency.

Thereafter, the information storage unit 545 may include the customer information included in the card registration application information received from the customer through the information receiving unit 515, the generated affiliate card information, card attribute information of the affiliate card, and the like. Characterized in that the storage card 560 stores the affiliated card issuance information including at least one of the usage amount information and the limit-specific approval target information for the affiliated card.

Here, the customer information included in the affiliated card issuance information includes personal information of the card registered customer (for example, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.), and the customer It is preferable to include at least one member information (for example, member ID information) subscribed to the affiliate server 100.

In addition, the card attribute information included in the affiliate card issuance information may be assigned to a credit card attribute, a check card attribute, a debit card attribute, a cash card attribute, or prepaid. At least one attribute setting information for imparting card firing is preferably included.

For example, when assigning a credit card attribute to the affiliate card, the card attribute information includes various attribute information (eg, credit limit, etc.) for use in payment through a credit card payment system for issuing the affiliate card. When the check card / debit card / cash card attribute is given to the affiliate card, the card attribute information may include customer account information associated with the affiliate card, and the prepaid card attribute is added to the affiliate card. In the case of granting, the card attribute information may include information on the amount of charge charged in the affiliate card.

Those skilled in the art will be able to infer various technical configurations of the card attribute information, so a detailed description thereof will be omitted.

In addition, the utilization amount information for the affiliated card is preferably made to include a predetermined amount of the limit given to the affiliated card by the card issuing affiliated institution, and then a part (or all) of the utilization amount is the card. It is preferable to deposit in the form of a customer allowance from the issuing affiliate institution to the card issuer.

According to an exemplary embodiment of the present invention, the approval target information for each limit includes at least one merchant information (or merchant group information), payment amount information, online / offline payment channel information, etc. to be paid and processed through the utilization amount. It is preferable to comprise at least one or more.

According to another exemplary embodiment of the present invention, the approval target information for each limit may include information for first subtracting the payment amount through the affiliate card from the usage amount regardless of the payment condition corresponding to the affiliate card. It is possible, and the invention is not limited thereby.

Referring to FIG. 5, the card company server 110 of the card issuing organization connected to the affiliate server 100 through a predetermined communication means receives a predetermined affiliate card number from the affiliate server 100 through the communication means. An information transmitting / receiving unit 565 (or an information receiving unit) that receives (or receives a card verification value (or verification code) request information) and the predetermined information from the affiliate server 100 through the information transmitting / receiving unit 565. When receiving an affiliate card number (or when a card verification value (or verification code) is requested), a verification card information generation unit 535 for generating a predetermined card verification value (or verification code) corresponding to the affiliate card number. And the information transceiving unit 565 (or information transmitting means) transmits a card verification value (or verification code) corresponding to the affiliate card number to the affiliate server 100. It characterized.

In the technical field to which the present invention pertains, the verification card information generation unit 535 may include a CVV (Card Verification Value) of the visa card, a CVC (Card Validation Code) of a master card, and an American Express card. Since you will be familiar with the technical features for generating a card verification value (or verification code) including at least one CID (Confidential Identifier Number or Card Identification Number), a detailed description thereof will be omitted for convenience.

Referring to FIG. 5, the card company server 110 of the card issuing organization, which is connected to the affiliate server 100 through a predetermined communication means, issuing the issued affiliate card from the affiliate server 100 through the communication means. An information transmitting / receiving unit 565 (or information receiving means) for receiving affiliate card issuance information including at least one of customer information corresponding to the at least one affiliate card information and card attribute information corresponding to the affiliate card; and the received customer. An information storage unit 575 for storing affiliated card operation information obtained by linking information, affiliated card information and card attribute information with affiliated agency information corresponding to the card issuing affiliated organization, to predetermined card information D / B 585; It is characterized by comprising.

Referring to FIG. 5, the card company server 110 of the card issuing organization, which is connected to the affiliate server 100 through a predetermined communication means, limits a predetermined card limit amount for the affiliate card and the card limit amount. The card limit setting unit 580 (or card limit setting means) for setting an approval target for each card, and the card limit amount information and the approval target information for each limit on the card limit amount are included in the affiliated card operation information. The information storage unit 575 (or information storage means) stored in the information D / B (585), and the partner-specific server through the communication means for the approval target information for each limit on the card limit amount information and the card limit amount It is characterized by comprising an information transmitting and receiving unit 565 (or information transmitting means) for transmitting to (100).

If the affiliated card includes a credit card attribute, the card limit setting unit 580 checks the credit level of the customer who is issued the affiliate card, and then sets a predetermined credit limit amount corresponding to the credit limit of the customer. It characterized in that it is set to.

Alternatively, when the affiliated card includes a check card / debit card attribute, the card limit setting unit 580 checks a customer account associated with the affiliated card and sets the customer account balance as the card limit amount. It is characterized by.

According to the exemplary embodiment of the present invention, the card limit setting unit 580 may set the approval target information for each limit including at least one or more affiliate store information (or affiliate store group information) to be processed for payment through the set credit limit amount. And / or to set a limit authorization information including at least one one-time payment amount or a daily / weekly / monthly payment amount to be processed through the set credit limit amount, and / or the affiliate card is online. Limit to allow payment through the card limit amount if the payment is made through the payment channel or to pay through the card limit amount if the payment is made through the offline payment channel. It is desirable to set the approval target information.

According to another exemplary embodiment of the present invention, the approval target information for each limit may be set to first subtract the payment amount through the affiliate card from the card limit amount, regardless of the payment condition corresponding to the affiliate card, or the affiliate server ( It is possible to include information to first deduct from the registered usage amount in 100, thereby the present invention is not limited.

Thereafter, the affiliated card operation information stored in the card information D / B 585 is used by the card issuer to provide a payment service or various additional services in association with at least one affiliated store.

According to one embodiment of the present invention, the card information D / B 585 is preferably provided in a DBMS on a predetermined financial system provided in the card issuing institution (or associated with the card issuing institution). The card information D / B 585 may be a ledger D / B provided in a DBMS on the financial system and / or a predetermined database associated with the ledger D / B, whereby the present invention is not limited thereto. No.

According to another exemplary embodiment of the present invention, the card information D / B 585 may include an online payment system, and / or a WAP-based wireless payment system, and / or an IC chip provided in (or associated with) the card issuer. It is possible to be provided in the DBMS on at least one or more of the base wireless payment system, and / or the tele payment system, whereby the present invention is not limited.

According to yet another embodiment of the present invention, the card information D / B 585 is an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided (or associated with) the card issuing institution. It is possible to be provided in the DBMS on at least one banking system of, and / or a TV banking system, whereby the present invention is not limited.

6 is a diagram illustrating a card registration process for issuing an affiliate card through card number rental according to an embodiment of the present invention.

In more detail, in FIG. 6, in the card registration system shown in FIG. 5, a predetermined customer creates a predetermined card registration application through a face-to-face card registration interface (for example, the card registration application, employee terminal, and network means). When the affiliated employee submits (or selects) the card registration application information corresponding to the card registration application through a predetermined card registration terminal and transmits it to the affiliated server 100, the affiliated server ( 100 shows a process of issuing a predetermined affiliate card through the card number rental to the customer based on the card registration application information, specifically, the rental card number D / B for storing the rental card number (555) ) Shows an implementation method provided in the card issuing engine.

Those skilled in the art to which the present invention pertains can deduce various implementation methods for issuing the alliance card for issuance of the alliance card through lease of the card number by referring to and / or modifying the present invention. However, the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

For example, FIG. 6 illustrates that the affiliated card is produced and provided (or shipped) to the customer, and then the affiliated card issuance information is stored in the storage medium 560. The process of storing the predetermined affiliate card issuance information in the storage medium 560 may be performed before the affiliate card is produced or before the affiliate card is produced (or delivered) to the customer. The present invention is not limited.

Hereinafter, in FIG. 6, the card registration terminal shown in FIG. 5 is referred to as a "terminal" for convenience, and the affiliate server 100 is referred to as a "server" for convenience.

Referring to FIG. 6, in order to issue the affiliated card for issuing the affiliated card through lease of the card number, the customer is prescribed through a face-to-face card registration interface (eg, the card registration application, employee terminal, and network means). When a card registration application (for example, a document having a form for filling in at least one information item for issuance of an affiliate card through lease of the card number) is completed and submitted to an affiliated employee, the terminal is connected by the affiliated employee. The card registration application information corresponding to the card registration application prepared by the customer is input (or selected) through a predetermined user interface (600), and the card registration application information is transmitted to the server through the network means (605). .

According to an embodiment of the present invention, the card registration application information includes customer information of the card registration customer and at least one or more kinds of card attribute information for setting card attributes for the affiliated card.

Here, the customer information is personal information of the card registered customer (for example, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.), and the customer has subscribed to the affiliate server 100. It is preferable to include at least one member information (eg, member ID information).

Further, the card attribute information for the affiliate card may be assigned to a credit card attribute, a check card attribute, a debit card attribute, a cash card attribute, or a prepaid card firing. It is preferable to include at least one or more attribute setting information to be provided.

For example, when assigning a credit card attribute to the affiliate card, the card attribute information may include credit inquiry consent information for issuing the affiliate card, and assigns a check card / debit card / cash card attribute to the affiliate card. In the case of granting, the card attribute information may include customer account information associated with the affiliate card. When the prepaid card attribute is assigned to the affiliate card, the card attribute information may be set to the affiliate card. It may include a prepaid card charging information for charging.

According to another embodiment of the present invention, when the card attribute is fixed by the card issuing affiliate (or card issuing authority) or is set in a policy, the card attribute information may be omitted, thereby limiting the present invention. Not.

Thereafter, the server receives and reads the card registration request information from the terminal through the network means and issues the affiliated card through leasing the card number to the customer based on the customer information included in the card registration request information. The card registration validity for issuing the affiliate card is checked (610).

According to the implementation method of the present invention, the validity confirmation for issuing the alliance card to the customer, based on the customer name and resident registration number included in the customer information, a predetermined real name verification server (not shown) It is preferable to include a) to confirm the real name of the customer in conjunction with).

In addition, when the affiliated card includes a credit card attribute, the validity check for issuing the affiliated card to the customer is based on a predetermined communication means based on the customer information. It is preferable to include the check the credit information of the customer in conjunction with).

In addition, when the affiliate card includes a check card / debit card attribute, the validity check for issuing the affiliate card to the customer is performed based on the customer information. It is preferable that the customer account associated with the card is formed in connection with a financial institution server (not shown) opened and confirming whether the customer account is opened and normally operated.

If the validity to issue the affiliate card to the customer is not authenticated through the card registration application information (615), the server provides card registration error information to the customer through the card registration interface (620). Stop issuing the affiliate card to the customer.

On the other hand, if the validity for issuing the affiliate card to the customer is authenticated through the card registration application information (615), the server is provided to the card issuing organization based on the card registration application information through the communication means. The lease card number D / B 555 requests and receives the lease card number to be assigned to the alliance card and assigns it to the alliance card number (625).

Thereafter, the server transmits the affiliate card number to the card company server 110 that has leased the lease card number through the communication means, and then a verification value (or verification code) corresponding to the affiliate card number to the card company server 110. Request a card verification value (or verification code) corresponding to the affiliate card number from the card company server 110 in response thereto (630), and the affiliate card number and card verification value (or verification code). Predetermined affiliate card information to be generated is included (635).

Here, the affiliated card information may include a card number (eg, 16-digit card number) corresponding to the affiliated card, the received card verification value (or verification code), expiration date information (some may be omitted), and card issuer information ( Or code).

For example, the card number (although some exceptions exist) preferably includes a four-digit card issuing organization number, a two-digit card type number, a nine-digit serial number, and a check digit.

The validity period information is preferably made to include the period (or expiration date and time) that can use the affiliate card, it may be omitted if there is no valid period in the affiliate card, thereby limiting the present invention No.

The card issuing organization information (or code) preferably comprises at least one or more unique numbers (or unique codes) assigned to the card issuing organization (or financial company) that issues the affiliate card to the customer.

According to an embodiment of the present invention, if the affiliate card is an MS card, the generated affiliate card information preferably includes a data structure recordable on at least one or more MS tracks provided in the MS card.

According to another exemplary embodiment of the present invention, if the affiliate card is an IC card, the generated affiliate card information may include a file structure operable through a chip operating system (COS) provided in the IC chip.

Thereafter, the server sets usage amount information including a predetermined limit amount assigned to the affiliate card by the card issuing affiliate institution and approval target information for each limit on the utilization amount (640).

According to the implementation method of the present invention, the server preferably sets a certain amount of money to be used by the card issuing affiliate to the affiliated card according to the utilization policy of the card issuing affiliate.

Alternatively, the server may set the predetermined amount in consideration of the customer grade set by the card issuing affiliate institution or the loyalty of the customer to the card issuing affiliate institution based on the customer information included in the card registration application information. It is preferable that the card issuance affiliated institution set the usage amount to be assigned to the affiliated card.

Alternatively, the server checks the credit rating of the customer in connection with at least one credit rating server (not shown) based on the customer information included in the card registration application information, and then, the server determines a predetermined amount of money corresponding to the credit rating. It is preferable that the card issuance affiliated institution set the usage amount to be assigned to the affiliated card.

Alternatively, the server checks the account balance of the customer in connection with at least one financial company server (not shown) based on the customer information included in the card registration application information, and then sets a predetermined amount of money corresponding to the account balance. It is preferable that the card issuance affiliated institution set the usage amount to be assigned to the affiliated card.

Or, the server requests the credit limit amount information of the customer to the card company server 110 provided in the card issuing agency based on the customer information included in the card registration application information, and the credit limit amount to be confirmed It is preferable to set the corresponding fixed amount of money to the utilization amount that the card issuing affiliate institution gives to the affiliate card.

Those skilled in the art to which the present invention pertains, in addition to the usage setting method described above, it is possible to infer various implementation methods in which the card issuing affiliate institution gives a predetermined usage amount to the affiliate card. It is preferable that the invention includes all the methods of inferring the above.

According to an exemplary embodiment of the present invention, the server sets approval target information for each limit including at least one or more affiliate store information (or affiliate store group information) to be processed for payment through the set utilization amount, and / or the set Set per-approval authorization information that includes at least one one-time payment amount, or at least one daily / weekly / monthly payment amount through a usage amount; and / or the affiliate card processes payment through an online payment channel. Set the approval target information for each limit to allow the payment amount to be processed through the utilization amount or to process the payment amount through the utilization amount when the payment is processed through the offline payment channel. It is desirable to.

According to another exemplary embodiment of the present invention, the approval target information for each limit may include information for first subtracting the payment amount through the affiliate card from the usage amount regardless of the payment condition corresponding to the affiliate card. It is possible, and the invention is not limited thereby.

If the utilization amount information for the affiliate card and the approval target information for each limit on the utilization amount are set (645), the server provides a predetermined affiliate card with the affiliate card information through a predetermined card registration device. Produce (or deliver) to the customer to produce (650).

According to an exemplary embodiment of the present invention, if the affiliate card is an MS card, the card registration apparatus may provide the affiliate card information to at least one or more MS tracks (eg, track I, track II, and track III) included in the affiliate card. It is preferable to include an apparatus for recording.

According to another embodiment of the present invention, if the association card is an IC card, the card registration device preferably includes an apparatus for recording the association card information in a memory provided in the IC chip of the association card.

Thereafter, the server issuing an affiliate card including at least one of customer information included in the card registration application information provided from the customer through the card registration interface, the generated affiliate card information, and card attribute information of the affiliate card. Information is stored in the storage medium 560 (655).

Here, the customer information included in the affiliated card issuance information includes personal information of the card registered customer (for example, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.), and the customer It is preferable to include at least one member information (for example, member ID information) subscribed to the affiliate server 100.

In addition, the card attribute information included in the affiliate card issuance information may be assigned to a credit card attribute, a check card attribute, a debit card attribute, a cash card attribute, or prepaid. At least one attribute setting information for imparting card firing is preferably included.

For example, when assigning a credit card attribute to the affiliate card, the card attribute information includes various attribute information (eg, credit limit, etc.) for use in payment through a credit card payment system for issuing the affiliate card. When the check card / debit card / cash card attribute is given to the affiliate card, the card attribute information may include customer account information associated with the affiliate card, and the prepaid card attribute is added to the affiliate card. In the case of granting, the card attribute information may include information about a charge amount charged in the affiliated card.

Those skilled in the art will be able to infer various technical configurations of the card attribute information, so a detailed description thereof will be omitted.

In addition, the utilization amount information for the affiliated card is preferably made to include a predetermined amount of the limit given to the affiliated card by the card issuing affiliated institution, and then a part (or all) of the utilization amount is the card. It is preferable to deposit in the form of a customer allowance from the issuing affiliate institution to the card issuer.

According to an exemplary embodiment of the present invention, the approval target information for each limit includes at least one merchant information (or merchant group information), payment amount information, online / offline payment channel information, etc. to be paid and processed through the utilization amount. It is preferable to comprise at least one or more.

According to another exemplary embodiment of the present invention, the approval target information for each limit may include information for first subtracting the payment amount through the affiliate card from the usage amount regardless of the payment condition corresponding to the affiliate card. It is possible, and the invention is not limited thereby.

Thereafter, the server issues the at least one affiliate card including at least one of customer information corresponding to the affiliate card, card information, and card attribute information to the card company server 110 through the communication means. In step 660, the card company server 110 stores the affiliate card operation information, which further includes the card issuing affiliate information, in the predetermined card information D / B 585. 665).

In addition, the card company server 110 sets predetermined credit limit amount information for the affiliated card and approval target information for each limit on the card limit amount (670).

According to an embodiment of the present invention, when the affiliate card includes a credit card attribute, the card company server 110 checks the credit rating of the customer who is issued the affiliate card, and then predetermined credit limit corresponding to the customer credit rating. It is preferable to set the amount of money to the card limit amount of money.

According to another embodiment of the present invention, when the affiliate card includes a check card / debit card attribute, the card company server 110 checks the customer account associated with the affiliate card, and stores the customer account balance on the card. It is preferable to set the limit amount.

In addition, the card company server 110 sets the permissible information for each limit including at least one or more merchant information (or merchant group information) to be settled through the set credit limit amount, and / or the set credit limit. Setting a per-approval target information that includes at least one payment amount per day or at least one daily / weekly / monthly payment amount, and / or when the affiliate card is processed through an online payment channel. It is recommended to set the subject-specific authorization information to allow the payment amount to be processed through the card limit amount or to process the payment amount through the card limit amount when the payment amount is processed through the offline payment channel. desirable.

According to another exemplary embodiment of the present invention, the card company server 110 allows the approval target information for each limit to be first subtracted from the card limit amount of the payment amount through the affiliate card regardless of the payment condition corresponding to the affiliate card. Or, it may be made to include information to first subtract from the usage amount registered in the affiliate server 100, whereby the present invention is not limited.

If the predetermined card limit amount information for the affiliated card and the approval target information for each limit on the card limit amount are set (675), the card company server 110 checks the card limit amount information and the card limit amount. The authorization target information for each limit is included in the affiliated card operation information and stored in the card information D / B 585 (680).

According to one embodiment of the present invention, the card information D / B 585 is preferably provided in a DBMS on a predetermined financial system provided in the card issuing institution (or associated with the card issuing institution). The card information D / B 585 may be a ledger D / B provided in a DBMS on the financial system and / or a predetermined database associated with the ledger D / B, whereby the present invention is not limited thereto. No.

According to another exemplary embodiment of the present invention, the card information D / B 585 may include an online payment system, and / or a WAP-based wireless payment system, and / or an IC chip provided in (or associated with) the card issuer. It is possible to be provided in the DBMS on at least one or more of the base wireless payment system, and / or the tele payment system, whereby the present invention is not limited.

According to yet another embodiment of the present invention, the card information D / B 585 is an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided (or associated with) the card issuing institution. It is possible to be provided in the DBMS on at least one banking system of, and / or a TV banking system, whereby the present invention is not limited.

Thereafter, the card company server 110 transmits the set card limit amount information and the authorization target information for each limit on the card limit amount to the server through the communication means (685). The credit card issuance information stored in the medium 560 further includes the card limit amount information and the limit target approval information for the card limit amount (690).

7 is a diagram illustrating a card registration process for issuing an affiliate card through card number rental according to another embodiment of the present invention.

In more detail, FIG. 7 illustrates a non-face-to-face card registration interface (e.g., client terminal and network means including at least one wired terminal and / or wireless terminal) in a card registration system shown in FIG. When accessing the affiliate server 100 through the input (or select) the predetermined card registration application information and transmits, the affiliate server 100 leases the card number to the customer based on the card registration application information As a process of issuing a predetermined affiliate card through, specifically, it illustrates a method of implementing a rental card number D / B 555 for storing the rental card number in the card issuing institution.

Those of ordinary skill in the art to which the present invention pertains can deduce various implementation methods for issuing the alliance card for issuance of the alliance card through the lease of the card number by referring to and / or modifying the drawing 7. However, the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

For example, FIG. 7 illustrates that the affiliate card is produced and provided (or delivered) to the customer, and then the affiliate card issuance information is stored in the storage medium 560. The process of storing the predetermined affiliate card issuance information in the storage medium 560 may be performed before the affiliate card is produced or before the affiliate card is produced (or delivered) to the customer. The present invention is not limited.

Hereinafter, in FIG. 7, the card registration terminal shown in FIG. 5 is referred to as a "terminal" for convenience, and the affiliate server 100 is referred to as a "server" for convenience.

Referring to FIG. 7, the customer accesses the server through a predetermined terminal to connect a communication channel for card registration application, and the affiliate card for issuing an affiliate card through leasing the card number through the communication channel. In operation 700, the server generates (or extracts) a user interface for issuing the affiliate card and provides the terminal to the terminal through the communication channel (705).

Thereafter, the terminal receives (or selects) the card registration request information through the user interface and transmits the input (or select) the card registration request information to the server through the communication channel (710).

According to an embodiment of the present invention, the card registration application information includes customer information of the card registration customer and at least one or more kinds of card attribute information for setting card attributes for the affiliated card.

Here, the customer information is personal information of the card registered customer (for example, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.), and the customer has subscribed to the affiliate server 100. It is preferable to include at least one member information (eg, member ID information).

Further, the card attribute information for the affiliate card may be assigned to a credit card attribute, a check card attribute, a debit card attribute, a cash card attribute, or a prepaid card firing. It is preferable to include at least one or more attribute setting information to be provided.

For example, when assigning a credit card attribute to the affiliate card, the card attribute information may include credit inquiry consent information for issuing the affiliate card, and assigns a check card / debit card / cash card attribute to the affiliate card. In the case of granting, the card attribute information may include customer account information associated with the affiliate card. When the prepaid card attribute is assigned to the affiliate card, the card attribute information is a predetermined amount to the affiliate card. It may be made by including prepaid card charging information for charging.

According to another embodiment of the present invention, when the card attribute is fixed by the card issuing affiliate (or card issuing authority) or is set in a policy, the card attribute information may be omitted, thereby limiting the present invention. Not.

Thereafter, the server receives and reads the card registration request information from the terminal through the network means and issues the affiliated card through leasing the card number to the customer based on the customer information included in the card registration request information. The card registration validity for issuing the affiliate card is checked (715).

According to the implementation method of the present invention, the validity confirmation for issuing the alliance card to the customer, based on the customer name and resident registration number included in the customer information, a predetermined real name verification server (not shown) It is preferable to include a) to confirm the real name of the customer in conjunction with).

In addition, when the affiliated card includes a credit card attribute, the validity check for issuing the affiliated card to the customer is based on a predetermined communication means based on the customer information. It is preferable to include the check the credit information of the customer in conjunction with).

In addition, when the affiliate card includes a check card / debit card attribute, the validity check for issuing the affiliate card to the customer is performed based on the customer information. It is preferable that the customer account associated with the card is formed in connection with a financial institution server (not shown) opened and confirming whether the customer account is opened and normally operated.

If the validity to issue the affiliate card to the customer is not authenticated through the card registration application information (720), the server provides card registration error information to the customer through the card registration interface (725). Stop issuing the affiliate card to the customer.

On the other hand, if the validity for issuing the affiliate card to the customer is authenticated through the card registration application information (720), the server is provided to the card issuing organization based on the card registration application information through the communication means. The lease card number D / B 555 requests and receives the lease card number to be assigned to the alliance card and assigns it to the alliance card number (730).

Thereafter, the server transmits the affiliate card number to the card company server 110 that has leased the lease card number through the communication means, and then a verification value (or verification code) corresponding to the affiliate card number to the card company server 110. Request a card verification value (or verification code) corresponding to the affiliate card number from the card company server 110 in response thereto (735), and the affiliate card number and card verification value (or verification code). In operation 740, predetermined affiliate card information is included.

Here, the affiliated card information may include a card number (eg, 16-digit card number) corresponding to the affiliated card, the received card verification value (or verification code), expiration date information (some may be omitted), and card issuer information ( Or code).

For example, the card number (although some exceptions exist) preferably includes a four-digit card issuing organization number, a two-digit card type number, a nine-digit serial number, and a check digit.

The expiration date information is preferably made to include the period (or expiration date and time) that can be used for the affiliate card, it may be omitted if the expiration date does not exist in the affiliate card, thereby the present invention is not limited .

The card issuing organization information (or code) preferably comprises at least one or more unique numbers (or unique codes) assigned to the card issuing organization (or financial company) that issues the affiliate card to the customer.

According to an embodiment of the present invention, if the affiliate card is an MS card, the generated affiliate card information preferably includes a data structure recordable on at least one or more MS tracks provided in the MS card.

According to another exemplary embodiment of the present invention, if the affiliate card is an IC card, the generated affiliate card information may include a file structure operable through a chip operating system (COS) provided in the IC chip.

Thereafter, the server sets usage amount information including a predetermined limit amount assigned to the affiliate card by the card issuing affiliate institution and approval target information for each limit on the utilization amount (745).

According to the implementation method of the present invention, the server preferably sets a certain amount of money to be used by the card issuing affiliate to the affiliated card according to the utilization policy of the card issuing affiliate.

Alternatively, the server may set the predetermined amount in consideration of the customer grade set by the card issuing affiliate institution or the loyalty of the customer to the card issuing affiliate institution based on the customer information included in the card registration application information. It is preferable that the card issuance affiliated institution set the usage amount to be assigned to the affiliated card.

Alternatively, the server checks the credit rating of the customer in connection with at least one credit rating server (not shown) based on the customer information included in the card registration application information, and then, the server determines a predetermined amount of money corresponding to the credit rating. It is preferable that the card issuance affiliated institution set the usage amount to be assigned to the affiliated card.

Alternatively, the server checks the account balance of the customer in connection with at least one financial company server (not shown) based on the customer information included in the card registration application information, and then sets a predetermined amount of money corresponding to the account balance. It is preferable that the card issuance affiliated institution set the usage amount to be assigned to the affiliated card.

Or, the server requests the credit limit amount information of the customer to the card company server 110 provided in the card issuing agency based on the customer information included in the card registration application information, and the credit limit amount to be confirmed It is preferable to set the corresponding fixed amount of money to the utilization amount that the card issuing affiliate institution gives to the affiliate card.

Those skilled in the art to which the present invention pertains, in addition to the usage setting method described above, it is possible to infer various implementation methods in which the card issuing affiliate institution gives a predetermined usage amount to the affiliate card. It is preferable that the invention includes all the methods of inferring the above.

According to an exemplary embodiment of the present invention, the server sets approval target information for each limit including at least one or more affiliate store information (or affiliate store group information) to be processed for payment through the set utilization amount, and / or the set Set per-approval authorization information that includes at least one one-time payment amount, or at least one daily / weekly / monthly payment amount through a usage amount; and / or the affiliate card processes payment through an online payment channel. Set the approval target information for each limit to allow the payment amount to be processed through the utilization amount or to process the payment amount through the utilization amount when the payment is processed through the offline payment channel. It is desirable to.

According to another exemplary embodiment of the present invention, the approval target information for each limit may include information for first subtracting the payment amount through the affiliate card from the usage amount regardless of the payment condition corresponding to the affiliate card. It is possible, and the invention is not limited thereby.

If the utilization amount information for the affiliated card and the approval target information for each limit on the used amount are set (750), the server provides a predetermined affiliated card with the affiliated card information through a predetermined card registration device. Produce (or deliver) to the customer to produce (755).

According to an exemplary embodiment of the present invention, if the affiliate card is an MS card, the card registration apparatus may provide the affiliate card information to at least one or more MS tracks (eg, track I, track II, and track III) included in the affiliate card. It is preferable to include an apparatus for recording.

According to another embodiment of the present invention, if the association card is an IC card, the card registration device preferably includes an apparatus for recording the association card information in a memory provided in the IC chip of the association card.

Thereafter, the server issuing an affiliate card including at least one of customer information included in the card registration application information provided from the customer through the card registration interface, the generated affiliate card information, and card attribute information of the affiliate card. Information is stored in the storage medium 560 (760).

Here, the customer information included in the affiliated card issuance information includes personal information of the card registered customer (for example, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.), and the customer It is preferable to include at least one member information (for example, member ID information) subscribed to the affiliate server 100.

In addition, the card attribute information included in the affiliate card issuance information may be assigned to a credit card attribute, a check card attribute, a debit card attribute, a cash card attribute, or prepaid. At least one attribute setting information for imparting card firing is preferably included.

For example, when assigning a credit card attribute to the affiliate card, the card attribute information includes various attribute information (eg, credit limit, etc.) for use in payment through a credit card payment system for issuing the affiliate card. When the check card / debit card / cash card attribute is given to the affiliate card, the card attribute information may include customer account information associated with the affiliate card, and the prepaid card attribute is added to the affiliate card. In the case of granting, the card attribute information may include information about a charge amount charged in the affiliated card.

Those skilled in the art to which the present invention pertains will be able to infer a variety of technical configurations for the card attribute information, a detailed description thereof will be omitted for convenience.

In addition, the utilization amount information for the affiliated card is preferably made to include a predetermined amount of the limit given to the affiliated card by the card issuing affiliated institution, and then a part (or all) of the utilization amount is the card. It is preferable to deposit in the form of a customer allowance from the issuing affiliate institution to the card issuer.

According to an exemplary embodiment of the present invention, the approval target information for each limit includes at least one merchant information (or merchant group information), payment amount information, online / offline payment channel information, etc. to be paid and processed through the utilization amount. It is preferable to comprise at least one or more.

According to another exemplary embodiment of the present invention, the approval target information for each limit may include information for first subtracting the payment amount through the affiliate card from the usage amount regardless of the payment condition corresponding to the affiliate card. It is possible, and the invention is not limited thereby.

Thereafter, the server issues the at least one affiliate card including at least one of customer information corresponding to the affiliate card, card information, and card attribute information to the card company server 110 through the communication means. In step 765, the card company server 110 stores the affiliate card operation information, which further includes the card issuing affiliate information, in the card information D / B 585. 770).

In addition, the card company server 110 sets predetermined credit limit amount information for the affiliated card and approval target information for each limit on the card limit amount (775).

According to an embodiment of the present invention, when the affiliate card includes a credit card attribute, the card company server 110 checks the credit rating of the customer who is issued the affiliate card, and then predetermined credit limit corresponding to the customer credit rating. It is preferable to set the amount of money to the card limit amount of money.

According to another embodiment of the present invention, when the affiliate card includes a check card / debit card attribute, the card company server 110 checks the customer account associated with the affiliate card, and stores the customer account balance on the card. It is preferable to set the limit amount.

In addition, the card company server 110 sets the permissible information for each limit including at least one or more merchant information (or merchant group information) to be settled through the set credit limit amount, and / or the set credit limit. Setting a per-approval target information that includes at least one payment amount or at least one daily / weekly / monthly payment amount to be paid through the amount, and / or when the affiliate card is processed through the online payment channel. It is recommended to set the subject-specific authorization information to allow the payment amount to be processed through the card limit amount or to process the payment amount through the card limit amount when the payment amount is processed through the offline payment channel. desirable.

According to another exemplary embodiment of the present invention, the card company server 110 allows the approval target information for each limit to be first subtracted from the card limit amount of the payment amount through the affiliate card regardless of the payment condition corresponding to the affiliate card. Or, it may be made to include information to first subtract from the usage amount registered in the affiliate server 100, whereby the present invention is not limited.

If the predetermined card limit amount information for the affiliated card and the approval target information for each limit on the card limit amount are set (780), the card company server 110 determines the card limit amount information and the card limit amount. The authorization target information for each limit is included in the affiliated card operation information and stored in the card information D / B 585 (785).

According to one embodiment of the present invention, the card information D / B 585 is preferably provided in a DBMS on a predetermined financial system provided in the card issuing institution (or associated with the card issuing institution). The card information D / B 585 may be a ledger D / B provided in a DBMS on the financial system and / or a predetermined database associated with the ledger D / B, whereby the present invention is not limited thereto. No.

According to another exemplary embodiment of the present invention, the card information D / B 585 may include an online payment system, and / or a WAP-based wireless payment system, and / or an IC chip provided in (or associated with) the card issuer. It is possible to be provided in the DBMS on at least one or more of the base wireless payment system, and / or the tele payment system, whereby the present invention is not limited.

According to yet another embodiment of the present invention, the card information D / B 585 is an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided (or associated with) the card issuing institution. It is possible to be provided in the DBMS on at least one banking system of, and / or a TV banking system, whereby the present invention is not limited.

Thereafter, the card company server 110 transmits the set card limit amount information and the authorization target information for each limit on the card limit amount to the server through the communication means (790). The card limit amount information and the limit subject approval information for the card limit amount are further stored in the affiliate card issuance information stored in the medium 560 (S795).

8 is a diagram illustrating a card registration system for issuing an affiliate card in the form of MS / IC through the total leasing of card numbers according to another embodiment of the present invention.

In more detail, FIG. 8 illustrates that when a predetermined customer provides card registration application information for issuing an affiliate card through leasing a predetermined card number to a card issuing affiliate institution through a predetermined card registration interface, the card issuing affiliate institution is configured to provide the card registration application information. It is a system configuration for issuing an affiliate card in the form of a predetermined MS (Magnetic Stripe) card or IC (Integrated Circuit) card to the customer based on the provided card registration application information, specifically, a rental card for storing the rental card number If the number D / B (850) is provided in the card issuing affiliated institution, and also provided in the card issuing agency, an implementation method of registering / issuing the affiliate card by synchronizing the rental card number D / B (850) It is shown.

Those skilled in the art to which the present invention pertains can refer to and / or modify this drawing 8 to infer various implementation methods for configuring a card registration system for issuing an affiliate card through leasing the card number. However, the present invention includes all the implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

Hereinafter, at least one means and / or function for issuing a predetermined affiliate card to the customer based on the card registration application information provided from the customer through a predetermined card registration interface on the card registration system shown in FIG. Components corresponding to the configuration are referred to as "affiliate server 100" for convenience, and the card issuing agency provided with the affiliate server 100 may be a mobile communication company affiliated with the card issuing institution, various wireless communication companies, various wired communication companies, It is preferable to include at least one or more portal operators.

Referring to FIG. 8 according to an embodiment of the present invention, a card registration system for issuing an affiliate card through leasing the card number may be used by an employee of an affiliated employee provided in at least one card issuer (or financial institution). And / or a client terminal including at least one wired terminal and / or a wireless terminal used by the customer when the card registration system supports a non-face-to-face card registration application. Characterized in that the employee terminal and / or client terminal is connected to the communication channel and the affiliate server 100 provided in the card issuing affiliate institution through a predetermined network means.

According to one embodiment of the present invention, the customer visits the card issuing institution for issuing an affiliated card through leasing the card number and through the window provided at the card issuing institution (or through an affiliated employee). Fill out a predetermined card registration application for issuing an affiliate card through lease (e.g., a document with a form for filling in at least one item of information for issuing an affiliate card through lease of the card number) and / or the affiliate employee Visit the customer and have the customer fill out a predetermined card registration application for issuing an affiliate card through leasing the card number), and submit the completed card registration application to the affiliated employee. Enter (or select) the information entered on the card registration application through the employee's terminal The employee terminal preferably transmits the input (or selected) information to the affiliate server 100 provided in the card issuing affiliate institution through the network means.

Here, preferably, the employee terminal includes an employee terminal used by an affiliated employee provided in the card issuing institution, and the affiliate server 100 connected to the employee terminal is the card issuing institution (or financial institution, or the And a server provided on a card issuing agency affiliated with a card issuing institution, wherein the network means for connecting the employee terminal and the affiliate server 100 is between the employee terminal and the affiliate server 100. It is preferable to include a communication network connecting the communication channel.

In the card registration system as described above, the card registration application that the customer creates, the employee terminal used by the affiliated employee and the financial network connecting the employee terminal and the affiliated server 100 are the customer's card number. It performs a function of a card registration interface for registering card registration application information for issuing an affiliate card through lease.

According to another exemplary embodiment of the present invention, when the card registration system supports a non-face-to-face card registration application, the customer is selected from a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network. Access the affiliate server 100 through at least one client terminal and input card registration application information for issuing an affiliate card through lease of the card number through at least one user interface provided by the affiliate server 100. (Or optional), the client terminal preferably transmits through the predetermined network means to the affiliate server 100 provided in the card issuing affiliate institution.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices connected to a TCP / IP based communication network, and a desktop computer and / or a notebook 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.

In addition, the wireless terminal connected to the wireless communication network is all terminal devices connected to a code division multiple access (CDMA) based mobile communication network, and / or all terminal devices connected to a high speed downlink packet access (HSDPA) based wireless communication network, and / Or all terminal devices connected to the IEEE 802.16x based mobile Internet, and / or all terminal devices connected to Motorola's DataTAC method and / or Erricson's Mobitex type wireless data communication network, and are personal communications connected to the CDMA based mobile communication network. Terminal (Personal Communication System; PCS) and / or Global System for Mobile communications (GSM) terminals and / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or personal information terminals (Personal Digital Assistant; PDA) and / or Smart Phone and / or Telematics, or HSDPA (High Speed Dow) and at least one wireless communication terminal connected to an nlink packet access) based wireless communication network, a portable internet terminal connected to the IEEE 802.16x based portable internet, or a wireless data communication terminal connected to the DataTAC / Mobitex based wireless data communication network. It is preferable to make.

The client terminal may output at least one user interface provided by the affiliate server 100, input and / or select at least one information through the user interface, and transmit the same to the affiliate server 100. It is preferable that a function configuration (e.g., a browser program and a communication function, or a predetermined communication program and a communication function to communicate with the affiliate server 100) 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 and / or wireless terminals, and thus a detailed description thereof will be omitted for convenience. .

In the card registration system as described above, a client terminal including at least one wired terminal and / or a wireless terminal used by the customer, at least one wired communication network connecting the client terminal and the affiliate server 100 and / or Alternatively, the wireless communication network performs a function of a card registration interface for registering the card registration application information for the customer to issue an affiliated card through leasing the card number.

According to another embodiment of the present invention, when the card registration system supports a non-face-to-face card registration application, the card registration terminal, in addition to the employee terminal and / or client terminal, a predetermined financial network (eg, 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 a terminal) provided in at least one or more organizations affiliated with the card issuing organization, and / or further comprising a predetermined call terminal (not shown) connected to the card issuing organization. Bourbon) (which may further include a not illustrated), to which the present invention is not limited.

In the case of supporting a non-face-to-face card registration application as described above, when the card registration terminal is the financial automatic device (not shown), the financial automatic device (not shown) and the financial automatic device (not shown) And a financial network connecting the affiliate server 100 performs a function of a card registration interface for registering the card registration application information for the customer to issue an affiliate card through the lease of the card number, and / or the card registration. When the terminal is the call terminal (not shown), the wired telephone network and / or the wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the affiliate server 100 may be used by the customer. Performs a function of a card registration interface for registering card registration application information for issuing an affiliate card through number rental, and / or the card registration terminal In the case of a terminal (and / or server) (not shown) provided in an institution affiliated with the card issuing organization, the terminal (and / or server) (not shown) and the terminal (and / or server) (not shown) Network connecting the affiliate server 100 performs a function of a card registration interface for registering the card registration application information for issuing an affiliate card through the card number rental.

According to an embodiment of the present invention, the lease card number D / B 850 provided to the card issuing affiliate institution is leased so that the card issuing institution is allocated to at least one affiliate card registered through the card issuing affiliate institution. It is preferable to include at least one or more card number, it is preferable to further comprise the card issuing institution information that leased the lease card number.

Here, the rental card number, including all 16-digit card number, or the nine-digit serial number of the 16-digit card number (for example, the first four digits corresponding to the card issuing agency number and corresponding to the card type number) The next 2 digits and the remaining 9 digit serial number except the last 1 digit corresponding to the check digit), preferably including a predetermined number area, and according to the intention of the person skilled in the art In addition, it may include a rental card number that follows the other card number system.

In addition, the card issuing agency information is information for identifying at least one or more card issuing institutions that have leased the lease card number to the card issuing affiliate, and issuing at least one or more card numbers to the card issuing affiliate. If there is only one engine, it is possible to omit it and thereby the present invention is not limited.

In addition, the lease card number D / B (850) is provided to the card issuing agency in synchronization with the lease card number D / B (850) provided in the card issuing agency is the card issuing agency in the card issuing agency It is preferably made to include at least one or more card numbers leased to be assigned to at least one or more affiliate cards registered through, it is preferable that the lease card number further comprises a card issuing affiliate information to lease.

In this case, the lease card number, preferably comprises the same information configuration as the lease card number D / B (850) provided in the card issuing affiliate institution, the lease card number is predetermined in the affiliate server 100 When assigned to an affiliated card, it is preferable to synchronize with the rental card number D / B (850) provided in the card issuing affiliated authority.

In addition, the card issuing affiliate information is information for identifying at least one or more card issuing affiliate institutions to lease at least one or more card numbers in the card issuing authority, the card issuing affiliate institution to lease at least one or more card numbers In this case, it is possible to omit and the present invention is not limited thereby.

The storage medium 855 provided to the card issuing affiliate institution issues a predetermined alliance card to the customer based on the card registration application information provided from the card registration terminal, and then the customer information according to the issuance of the alliance card. And affiliated card issuance information including at least one or more affiliated card information and card attribute information, wherein the affiliated card issuance information stored in the storage medium 855 is used by the card issuing agency to lease the card number. It is used to provide affiliate card related services through.

According to another exemplary embodiment of the present invention, the storage medium 855 is connected to a predetermined DBMS interoperating with a server (or device) that performs a predetermined information processing function using the affiliated card issuing information in the card issuing affiliated institution. In this case, the storage medium 855 may be provided at various positions according to the intention of those skilled in the art, and the present invention is not limited thereto.

The affiliate server 100 provided in the card issuing affiliate institution is a generic term for the card issuing affiliate institution component connected to the card registration terminal 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 affiliate server 100 is provided with an interface unit 800 (or interface means) for providing a predetermined card registration interface to the card registration terminal through the network means. do.

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

According to another embodiment of the present invention, when the card registration terminal is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 800 is based on the protocol stack defined in the wired communication 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 a browser program corresponding to a Hyper-Text Transfer Protocol (HTTP) protocol is provided in the client terminal, the interface unit 800 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 a predetermined card registration application program provided by the affiliate server 100 is provided in the client terminal, the interface unit 800 connects a communication channel with the client terminal based on the TCP / IP protocol. It 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 registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 800 is based on a protocol stack defined in the wireless communication network. It is preferable to connect a predetermined communication channel with the client terminal, and to provide a communication interface for transmitting and receiving at least one or more 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 800 communicates with the client terminal based on the CDMA protocol. And a communication interface for transmitting and receiving web pages (eg, 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 registration application program provided by the affiliate server 100, the interface unit 800 connects a communication channel with the client terminal based on the CDMA protocol, and the communication program Provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in.

Referring to FIG. 8, the affiliate server 100 is connected with the interface unit 800 when a predetermined card registration terminal is connected to the affiliate server 100 through the interface unit 800. An interface providing unit 805 (or interface providing means) for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined card registration application information to the card registration terminal; An information receiving unit 810 (or information receiving means) for receiving predetermined card registration application information which is input (or selected) and transmitted from the card registration terminal through the user interface in association with the interface unit 800; Validation authentication unit 815 (or validity check to confirm the validity of issuing the affiliate card to the customer based on the registered card registration application information) A card number assignment unit for allocating a predetermined rental card number among at least one rental card number provided in the rental card number D / B 850 as an affiliate card number for the registered affiliate card ( 825 (or card number assignment means), card information generation unit 830 (or information generation means) for generating predetermined association card information including the association card number, and the card issuance corresponding to the association card. A usage card set unit 835 (or a usage setter) for setting a usage amount that is assigned to the customer by the affiliated agency and an approval target for each limit of the usage amount, and the affiliated card through a predetermined card registration device. The card issuing unit 845 (card issuing means) for issuing a predetermined alliance card containing the information, and the predetermined affiliation card issuance information corresponding to the alliance card issued to the customer are stored. And an information storage unit 840 (or information storage means) stored in the medium 855.

In addition, the affiliate server 100 after the predetermined partnership card is issued through the card issuing unit 845, the predetermined through the communication means (for example, a dedicated communication network, or a secure communication network based on encrypted communication) The card company server 110 provided in the card issuing organization is characterized in that it comprises an information transmitting and receiving unit 820 for transmitting the customer information, card information, and card attribute information corresponding to the partnership card.

In addition, the information transmitting and receiving unit 820 is a rental card number D / B (850) provided to the card issuing organization through the communication means when a predetermined cooperation card number is assigned by the card number assignment unit 825 By transmitting the affiliated card number to the DBMS (or DB server) that manages the), the rental card number D / B (850) provided in the card issuing agency and the rental card number D / B provided in the card issuing affiliated agency It is desirable to synchronize 850.

In addition, when the predetermined partner card number is assigned by the card number assignment unit 825, the information transmitting and receiving unit 820, through the communication means to the card company server 110 provided in the card issuing agency the card The affiliate card number assigned by the number assignment unit 825 is transmitted, and a card verification value (or verification code) corresponding to the affiliate card number from the card company server 110 (eg, a CVV (Card Verification) of a visa card. Value), CVC (Card Validation Code) of the master card, CID (Confidential Identifier Number or Card Identification Number) of the American Express card, and the like, and the card verification value (or verification code) in the rental card number ), The function of transmitting and receiving the card verification value (or verification code) for the association card number may be omitted.

The interface providing unit 805 provides the card registration application information in response to a function configuration provided in the card registration terminal when a predetermined card registration terminal is connected to the affiliate server 100 through the interface unit 800. Generate a predetermined user interface which can be input (or selected) and transmitted to the affiliate server 100 via the network means, and / or extracted from a predetermined database (not shown), and with the interface unit 800 And providing the generated (or extracted) user interface to the card registration terminal through the network means.

Thereafter, the card registration terminal inputs (or selects) the card registration application information based on the user interface, and transmits the input (or selected) card registration application information to the affiliate server 100 through the network means. send.

According to an embodiment of the present invention, when the card registration terminal is an employee terminal connected to a predetermined financial network, the interface providing unit 805 is a predetermined user interface that can be provided by a card registration application program provided in the employee terminal. It is preferable to generate (or extract) and provide the user interface generated (or extracted) through the interface unit 800 to the employee terminal.

According to another exemplary embodiment of the present invention, when the card registration terminal is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface providing unit 805 may include a browser program and / or provided in the client terminal. 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 800.

According to another exemplary embodiment of the present invention, when the card registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 805 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 800.

The information receiving unit 810 inputs (or selects) predetermined card registration request information through the user interface through the user interface in the card registration terminal, and registers the card in cooperation with the interface unit 800. Characterized in that it receives the application information, and provides the received card registration application information to the validity authentication unit 815.

According to an embodiment of the present invention, the card registration application information includes customer information of the card registration customer and at least one or more kinds of card attribute information for setting card attributes for the affiliated card.

Here, the customer information is personal information of the card registered customer (for example, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.), and the customer has subscribed to the affiliate server 100. It is preferable to include at least one member information (eg, member ID information).

Further, the card attribute information for the affiliate card may be assigned to a credit card attribute, a check card attribute, a debit card attribute, a cash card attribute, or a prepaid card firing. It is preferable to include at least one or more attribute setting information to be provided.

For example, when assigning a credit card attribute to the affiliate card, the card attribute information may include credit inquiry consent information for issuing the affiliate card, and assigns a check card / debit card / cash card attribute to the affiliate card. In the case of granting, the card attribute information may include customer account information associated with the affiliate card. When the prepaid card attribute is assigned to the affiliate card, the card attribute information may be set to the affiliate card. It may include a prepaid card charging information for charging.

According to another embodiment of the present invention, when the card attribute is fixed by the card issuing affiliate (or card issuing authority) or is set in a policy, the card attribute information may be omitted, thereby limiting the present invention. Not.

According to the embodiment of the present invention, the card registration application information may further include predetermined utilization application information including a predetermined utilization request amount, in which case the utilization setting unit 835 may be used. It is possible to set the utilization amount for the affiliated card based on the utilization request amount included in the utilization application information, whereby the present invention is not limited.

The validity authentication unit 815 checks the validity of issuing the affiliate card to the customer based on the customer information included in the received card registration application information.

According to the implementation method of the present invention, the validity confirmation for issuing the alliance card to the customer, based on the customer name and resident registration number included in the customer information, a predetermined real name verification server (not shown) It is preferable to include a) to confirm the real name of the customer in conjunction with).

In addition, when the affiliated card includes a credit card attribute, the validity check for issuing the affiliated card to the customer is based on a predetermined communication means based on the customer information. It is preferable to include the check the credit information of the customer in conjunction with).

In addition, when the affiliate card includes a check card / debit card attribute, the validity check for issuing the affiliate card to the customer is performed based on the customer information. It is preferable that the customer account linked to the debit card is linked to a financial institution server (not shown) that is opened to check whether the customer account is opened and normally operated.

The card number allocating unit 825 stores the at least one lease card number based on the card registration application information received through the information receiving unit 810 from the lease card number D / B 850. Identify a predetermined lease card number to be assigned to the card, generate (or extract) a predetermined affiliate card number including the lease card number, and assign the card to the affiliated card; 820 transfers the card number assigned to the affiliated card number to a DBMS (or DB server) managing the lease card number D / B 850 provided to the card issuing institution to lease provided to the card issuing affiliated institution. The card number D / B 850 and the rental card number D / B 850 provided in the card issuing institution are synchronized.

According to an embodiment of the present invention, when the lease card number D / B 850 is provided with a 16-digit lease card number, the card number allocator 825 reads a predetermined lease card number among the lease card numbers. It is preferable to extract by the affiliate card number.

According to another embodiment of the present invention, when the rental card number D / B 850 is provided with a rental card number including a 9-digit serial number of the 16-digit card number, the card number assignment unit 825 It is preferable to generate a predetermined partnership card number including a rental card number, a card issuing agency information number, a card type number, and a check digit corresponding to the 9-digit serial number.

If the person having ordinary knowledge in the technical field to which the present invention belongs, if the lease card number follows a card number system other than the 16-digit card number, the lease card number to the affiliated card number according to the card number system Various implementation methods may be inferred, and the present invention is characterized by including all implementation methods inferred.

According to the exemplary embodiment of the present invention, when a predetermined cooperation card number is assigned by the card number assignment unit 825, the information transmission / reception unit 820 is a card company server provided in the card issuing organization through the communication means ( The card number assignment unit 825 transmits the affiliate card number assigned by the card number assignment unit 825, and a card verification value (or verification code) corresponding to the affiliate card number from the card company server 110 (eg, a visa card). It is preferable to receive the CVV (Card Verification Value), Master Card CVC (Card Validation Code), American Express Card CID (Confidential Identifier Number or Card Identification Number), and the card verification value in the rental card number (Or verification code) or the card number assignment unit 825 is provided with the card verification value (or verification code) generation function, the information transmitting and receiving unit 820 is The ability to transmit and receive a card verification value for the time Hugh card number (or validation code) but may be omitted.

When the association card number is generated (or extracted) as described above, the card information generation unit 830 generates predetermined association card information including the association card number.

According to an embodiment of the present invention, the affiliate card information includes at least one affiliate card number, a card verification value (or verification code), the card expiration date (some may be omitted), and card issuer information (or code). It is preferable to make it.

For example, the card number (although some exceptions exist) preferably includes a four-digit card issuing organization number, a two-digit card type number, a nine-digit serial number, and a check digit.

The expiration date information is preferably made to include the period (or expiration date and time) that can be used for the affiliate card, it may be omitted if the expiration date does not exist in the affiliate card, thereby the present invention is not limited .

The card issuing organization information (or code) preferably comprises at least one or more unique numbers (or unique codes) assigned to the card issuing organization (or financial company) that issues the affiliate card to the customer.

When predetermined affiliated card information included in the affiliated card is generated by the card information generator 830, the utilization setting unit 835 sets a predetermined amount of money according to the utilization policy of the card issuing affiliated institution. Characterized in that the issuing affiliated institution is set to the usage amount that is assigned to the partnership card.

Alternatively, the utilization setting unit 835 is based on the customer information included in the card registration application information, the customer grade set by the card issuing affiliate institution, or the loyalty of the customer to the card issuing affiliate institution, etc. In consideration of the above, the predetermined amount is set as a usage amount which the card issuing affiliate institution gives to the affiliate card.

Alternatively, the utilization setting unit 835 checks the credit rating of the customer in association with at least one credit evaluation server (not shown) based on the customer information included in the card registration application information, and then corresponds to the credit rating. It is characterized in that the predetermined amount of money is set to the utilization amount that the card issuing affiliated organization gives to the affiliated card.

Alternatively, the utilization setting unit 835 checks the account balance of the customer in association with at least one financial company server (not shown) based on the customer information included in the card registration application information, and then corresponds to the account balance. It is characterized by setting a certain amount of money to the utilization amount that the card issuing affiliated organization gives to the affiliated card.

Alternatively, the utilization setting unit 835 requests the credit limit amount information of the customer to the card company server 110 provided in the card issuing agency based on the customer information included in the card registration application information. Characterized in that a certain percentage of the amount corresponding to the credit limit amount to be confirmed is characterized in that the card issuance affiliated institutions to set the amount of the usage amount that the affiliated card.

Those skilled in the art to which the present invention pertains, in addition to the usage setting method described above, it is possible to infer various implementation methods in which the card issuing affiliate institution gives a predetermined usage amount to the affiliate card. The invention is characterized in that it comprises all the methods of inference.

According to the exemplary embodiment of the present invention, the utilization setting unit 835 may set the approval target information for each limit including at least one or more affiliate store information (or affiliate store group information) to be paid and processed through the set utilization amount. And / or to set the per-approval target information including at least one or more one-time payment amount or daily / weekly / monthly payment amount to be processed through the set utilization amount, and / or the affiliate card is online. Limit to allow the payment amount to be processed through the utilization amount when the payment is made through the payment channel, or to process the payment amount through the utilization amount when the payment is processed through the offline payment channel. It is desirable to set the approval target information.

According to another exemplary embodiment of the present invention, the approval target information for each limit may include information for first subtracting the payment amount through the affiliate card from the usage amount regardless of the payment condition corresponding to the affiliate card. It is possible, and the invention is not limited thereby.

When predetermined affiliated card information included in the affiliated card is generated by the card information generator 830, the card issuing unit 845 generates an affiliated card including the affiliated card information through a predetermined card registration device. And (or having the affiliate card information included in the affiliate card), the affiliate card is provided (or delivered) to the customer.

If the affiliate card is an MS (Magnetic Stripe) card, the card registration device records the affiliate card information on at least one MS track (eg, track I, track II, track III) included in the affiliate card. In this case, the card information generation unit 830 generates an association card information in a data structure recordable in at least one or more MS tracks, and the card issuing unit 845 cooperates with the card registration device. By recording card information in at least one or more MS tracks, a predetermined affiliate card to be issued to the customer is issued.

Alternatively, if the affiliated card is an IC (Integrated Circuit) card, the card registration device comprises a device for recording the affiliated card information in a memory provided in the IC chip of the affiliated card, wherein the card information generation The unit 830 generates the affiliate card information in a file structure operable through a COS (Chip Operating System) provided in the IC chip, and the card issuing unit 845 generates the affiliate card information through the card registration device. Is recorded in the memory of the IC chip, and a predetermined partnership card to be issued to the customer is issued.

The affiliated card produced as described above is provided to the customer and / or delivered to the customer according to a predetermined card providing procedure, and the customer then uses the affiliated card through the card issuing affiliated agency.

Thereafter, the information storage unit 840 stores the customer information included in the card registration request information received from the customer through the information receiving unit 810, the generated affiliate card information, card attribute information for the affiliate card, Characterized in that the storage card 855 is stored in the storage card 855, the affiliated card issuance information including at least one of the usage amount information and the approval target information for each limit.

Here, the customer information included in the affiliated card issuance information includes personal information of the card registered customer (for example, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.), and the customer It is preferable to include at least one member information (for example, member ID information) subscribed to the affiliate server 100.

In addition, the card attribute information included in the affiliate card issuance information may be assigned to a credit card attribute, a check card attribute, a debit card attribute, a cash card attribute, or prepaid. At least one attribute setting information for imparting card firing is preferably included.

For example, when assigning a credit card attribute to the affiliate card, the card attribute information includes various attribute information (eg, credit limit, etc.) for use in payment through a credit card payment system for issuing the affiliate card. When the check card / debit card / cash card attribute is given to the affiliate card, the card attribute information may include customer account information associated with the affiliate card, and the prepaid card attribute is added to the affiliate card. In the case of granting, the card attribute information may include information on the amount of charge charged in the affiliate card.

Those skilled in the art will be able to infer various technical configurations of the card attribute information, so a detailed description thereof will be omitted.

In addition, the utilization amount information for the affiliated card is preferably made to include a predetermined amount of the limit given to the affiliated card by the card issuing affiliated institution, and then a part (or all) of the utilization amount is the card. It is preferable to deposit in the form of a customer allowance from the issuing affiliate institution to the card issuer.

According to an exemplary embodiment of the present invention, the approval target information for each limit includes at least one merchant information (or merchant group information), payment amount information, online / offline payment channel information, etc. to be paid and processed through the utilization amount. It is preferable to comprise at least one or more.

According to another exemplary embodiment of the present invention, the approval target information for each limit may include information for first subtracting the payment amount through the affiliate card from the usage amount regardless of the payment condition corresponding to the affiliate card. It is possible, and the invention is not limited thereby.

Referring to FIG. 8, the card company server 110 of the card issuing organization connected to the affiliate server 100 through a predetermined communication means receives a predetermined affiliate card number from the affiliate server 100 through the communication means. An information transmitting / receiving unit 860 (or information receiving unit) that receives (or receives a card verification value (or verification code) request information) and the predetermined information from the affiliate server 100 through the information transmitting / receiving unit 860. When receiving an affiliate card number (or when a card verification value (or verification code) is requested), the verification card information generation unit 830 generating a predetermined card verification value (or verification code) corresponding to the affiliate card number. And the information transceiving unit 860 (or information transmitting means) transmits a card verification value (or verification code) corresponding to the affiliate card number to the affiliate server 100. It characterized.

Those skilled in the art to which the present invention belongs, the verification card information generation unit 830 is the CVV (Card Verification Value) of the Visa card, Master Card CVC (Card Validation Code), Since you will be familiar with the technical features for generating a card verification value (or verification code) including at least one CID (Confidential Identifier Number or Card Identification Number), a detailed description thereof will be omitted for convenience.

Referring to FIG. 8, the card company server 110 of the card issuing organization, which is connected to the affiliate server 100 through a predetermined communication means, is issued from the affiliate server 100 through the communication means. An information transmitting / receiving unit 860 (or information receiving means) for receiving affiliate card issuance information including at least one of customer information corresponding to the at least one affiliate card information and card attribute information corresponding to the affiliate card, and the received customer. An information storage unit 870 for storing affiliated card operation information obtained by linking information, affiliated card information, and card attribute information with affiliated agency information corresponding to the card issuing affiliated institution in a predetermined card information D / B 880; It is characterized by comprising.

Referring to FIG. 8, the card company server 110 of the card issuing organization, which is connected to the affiliate server 100 through a predetermined communication means, limits the predetermined card limit amount and the card limit amount for the affiliate card. The card limit setting unit 875 (or card limit setting means) for setting an approval target for each card, and the card limit amount information and the approval target information for each limit on the card limit amount are included in the cooperation card operation information. The information storage unit 870 (or information storage means) stored in the information D / B (880), the limit information of the card limit amount information and the limit information for the limit of the card limit amount through the communication means through the affiliated server It is characterized by comprising an information transmitting and receiving unit 860 (or information transmission means) for transmitting to (100).

If the affiliated card includes a credit card attribute, the card limit setting unit 875 checks the credit level of the customer who is issued the affiliate card, and then sets a predetermined credit limit amount corresponding to the credit limit of the card. It characterized in that it is set to.

Alternatively, when the affiliated card includes a check card / debit card attribute, the card limit setting unit 875 checks a customer account associated with the affiliated card and sets the customer account balance as the card limit amount. It is characterized by.

According to the exemplary embodiment of the present invention, the card limit setting unit 875 sets the limit target approval information including at least one or more affiliate store information (or affiliate store group information) to be processed for payment through the set credit limit amount. And / or to set a limit authorization information including at least one one-time payment amount or a daily / weekly / monthly payment amount to be processed through the set credit limit amount, and / or the affiliate card is online. Limit to allow payment through the card limit amount if the payment is made through the payment channel or to pay through the card limit amount if the payment is made through the offline payment channel. It is desirable to set the approval target information.

According to another exemplary embodiment of the present invention, the approval target information for each limit may be set to first subtract the payment amount through the affiliate card from the card limit amount, regardless of the payment condition corresponding to the affiliate card, or the affiliate server ( It is possible to include information to first deduct from the registered usage amount in 100, thereby the present invention is not limited.

Thereafter, the affiliated card operation information stored in the card information D / B 880 is used by the card issuing institution to provide a payment service or various additional services in association with at least one affiliated store.

According to one embodiment of the present invention, the card information D / B 880 is preferably provided in a DBMS on a predetermined financial system provided in the card issuing institution (or associated with the card issuing institution). The card information D / B 880 may be a ledger D / B provided in a DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, whereby the present invention is not limited thereto. No.

According to another exemplary embodiment of the present invention, the card information D / B 880 is an online payment system, and / or a WAP-based wireless payment system, and / or an IC chip provided in (or associated with) the card issuer. It is possible to be provided in the DBMS on at least one or more of the base wireless payment system, and / or the tele payment system, whereby the present invention is not limited.

According to another embodiment of the present invention, the card information D / B 880 is an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided (or associated with) the card issuing organization. It is possible to be provided in the DBMS on at least one banking system of, and / or a TV banking system, whereby the present invention is not limited.

9 is a diagram illustrating a card registration process for issuing an affiliate card through card number rental according to an embodiment of the present invention.

In more detail, in FIG. 9, in the card registration system shown in FIG. 8, a predetermined customer creates a predetermined card registration application through a face-to-face card registration interface (e.g., the card registration application, employee terminal, and network means). When the affiliated employee submits (or selects) the card registration application information corresponding to the card registration application through a predetermined card registration terminal and transmits it to the affiliated server 100, the affiliated server ( 100 shows a process of issuing a predetermined affiliate card through the card number rental to the customer based on the card registration application information, specifically, the rental card number D / B (850) for storing the rental card number ) Is also provided to the card issuing affiliated institution, and is also provided to the card issuing institution, the rental card number D / B 850 It illustrates an exemplary method for registering / issue a card to the affiliate synchronization.

Those skilled in the art to which the present invention pertains can deduce various implementation methods for issuing the affiliate card for issuance of the affiliate card through the lease of the card number by referring to and / or modifying the drawing 9. However, 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 affiliated card is produced and provided (or delivered) to the customer, and then the affiliated card issuance information is stored in the storage medium 855. The process of storing the predetermined affiliate card issuance information in the storage medium 855 may be performed before the affiliate card is produced or before the affiliate card is produced (or delivered) to the customer. The present invention is not limited.

Hereinafter, in FIG. 9, the card registration terminal shown in FIG. 8 is referred to as a "terminal" for convenience, and the affiliate server 100 is referred to as a "server" for convenience.

Referring to FIG. 9, in order to issue the affiliated card for issuing an affiliated card through leasing the card number, the customer is prescribed through a face-to-face card registration interface (eg, the card registration application, employee terminal, and network means). A card registration application (e.g., a document having a form for filling out at least one information item for issuing an affiliate card through lease of the card number) is completed and submitted to an affiliated employee, and the terminal is operated by the affiliated employee. Receives (or selects) card registration application information corresponding to the card registration application prepared by the customer through a predetermined user interface (900), and transmits the card registration application information to the server through the network means (905). ).

According to an embodiment of the present invention, the card registration application information includes customer information of the card registration customer and at least one or more kinds of card attribute information for setting card attributes for the affiliated card.

Here, the customer information is personal information of the card registered customer (for example, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.), and the customer has subscribed to the affiliate server 100. It is preferable to include at least one member information (eg, member ID information).

Further, the card attribute information for the affiliate card may be assigned to a credit card attribute, a check card attribute, a debit card attribute, a cash card attribute, or a prepaid card firing. It is preferable to include at least one or more attribute setting information to be provided.

For example, when assigning a credit card attribute to the affiliate card, the card attribute information may include credit inquiry consent information for issuing the affiliate card, and assigns a check card / debit card / cash card attribute to the affiliate card. In the case of granting, the card attribute information may include customer account information associated with the affiliate card. When the prepaid card attribute is assigned to the affiliate card, the card attribute information may be set to the affiliate card. It may include a prepaid card charging information for charging.

According to another embodiment of the present invention, when the card attribute is fixed by the card issuing affiliate (or card issuing authority) or is set in a policy, the card attribute information may be omitted, thereby limiting the present invention. Not.

Thereafter, the server receives and reads the card registration request information from the terminal through the network means and issues the affiliated card through leasing the card number to the customer based on the customer information included in the card registration request information. Check the card registration validity for issuing the affiliate card (910).

According to the implementation method of the present invention, the validity confirmation for issuing the alliance card to the customer, based on the customer name and resident registration number included in the customer information, a predetermined real name verification server (not shown) It is preferable to include a) to confirm the real name of the customer in conjunction with).

In addition, when the affiliated card includes a credit card attribute, the validity check for issuing the affiliated card to the customer is based on a predetermined communication means based on the customer information. It is preferable to include the check the credit information of the customer in conjunction with).

In addition, when the affiliate card includes a check card / debit card attribute, the validity check for issuing the affiliate card to the customer is performed based on the customer information. It is preferable that the customer account associated with the card is formed in connection with a financial institution server (not shown) opened and confirming whether the customer account is opened and normally operated.

If the validity to issue the affiliate card to the customer is not authenticated through the card registration application information (915), the server provides card registration error information to the customer through the card registration interface (920). Stop issuing the affiliate card to the customer.

On the other hand, if the validity for issuing the affiliated card to the customer is authenticated through the card registration application information (915), the server stores at least one rental card number based on the card registration application information. Extract the rental card number to be assigned to the affiliate card from the D / B 850 and assign it to the affiliate card number, and assign the card number assigned to the affiliate card number based on the card registration application information through the communication means. Transfer to the DBMS (or DB server) managing the rental card number D / B (850) provided in the institution lease card number D / B (850) provided in the card issuing partner institution and the lease provided in the card issuing institution The card number D / B 850 is synchronized (925).

Thereafter, the server transmits the affiliate card number to the card company server 110 that has leased the lease card number through the communication means, and then a verification value (or verification code) corresponding to the affiliate card number to the card company server 110. Request a card verification value (or verification code) corresponding to the affiliate card number from the card company server 110 in response thereto (930), and the affiliate card number and card verification value (or verification code). Predetermined affiliate card information is generated to include (935).

Here, the affiliated card information may include a card number (eg, 16-digit card number) corresponding to the affiliated card, the received card verification value (or verification code), expiration date information (some may be omitted), and card issuer information ( Or code).

For example, the card number (although some exceptions exist) preferably includes a four-digit card issuing organization number, a two-digit card type number, a nine-digit serial number, and a check digit.

The expiration date information is preferably made to include the period (or expiration date and time) that can be used for the affiliate card, it may be omitted if the expiration date does not exist in the affiliate card, thereby the present invention is not limited .

The card issuing organization information (or code) preferably comprises at least one or more unique numbers (or unique codes) assigned to the card issuing organization (or financial company) that issues the affiliate card to the customer.

According to an embodiment of the present invention, if the affiliate card is an MS card, the generated affiliate card information preferably includes a data structure recordable on at least one or more MS tracks provided in the MS card.

According to another exemplary embodiment of the present invention, if the affiliate card is an IC card, the generated affiliate card information may include a file structure operable through a chip operating system (COS) provided in the IC chip.

Thereafter, the server sets usage amount information including a predetermined limit amount assigned to the affiliate card by the card issuing affiliate institution and approval target information for each limit on the utilization amount (940).

According to the implementation method of the present invention, the server preferably sets a certain amount of money to be used by the card issuing affiliate to the affiliated card according to the utilization policy of the card issuing affiliate.

Alternatively, the server may set the predetermined amount in consideration of the customer grade set by the card issuing affiliate institution or the loyalty of the customer to the card issuing affiliate institution based on the customer information included in the card registration application information. It is preferable that the card issuance affiliated institution set the usage amount to be assigned to the affiliated card.

Alternatively, the server checks the credit rating of the customer in connection with at least one credit rating server (not shown) based on the customer information included in the card registration application information, and then, the server determines a predetermined amount of money corresponding to the credit rating. It is preferable that the card issuance affiliated institution set the usage amount to be assigned to the affiliated card.

Alternatively, the server checks the account balance of the customer in connection with at least one financial company server (not shown) based on the customer information included in the card registration application information, and then sets a predetermined amount of money corresponding to the account balance. It is preferable that the card issuance affiliated institution set the usage amount to be assigned to the affiliated card.

Or, the server requests the credit limit amount information of the customer to the card company server 110 provided in the card issuing agency based on the customer information included in the card registration application information, and the credit limit amount to be confirmed It is preferable to set the corresponding fixed amount of money to the utilization amount that the card issuing affiliate institution gives to the affiliate card.

Those skilled in the art to which the present invention pertains, in addition to the usage setting method described above, it is possible to infer various implementation methods in which the card issuing affiliate institution gives a predetermined usage amount to the affiliate card. It is preferable that the invention includes all the methods of inferring the above.

According to an exemplary embodiment of the present invention, the server sets approval target information for each limit including at least one or more affiliate store information (or affiliate store group information) to be processed for payment through the set utilization amount, and / or the set Set per-approval authorization information that includes at least one one-time payment amount, or at least one daily / weekly / monthly payment amount through a usage amount; and / or the affiliate card processes payment through an online payment channel. If the payment amount is processed through the utilization amount, or if the payment is processed through the offline payment channel, the approval target information for each limit to allow the payment amount to be processed through the utilization amount It is preferable to set.

According to another exemplary embodiment of the present invention, the approval target information for each limit may include information for first subtracting the payment amount through the affiliate card from the usage amount regardless of the payment condition corresponding to the affiliate card. It is possible, and the invention is not limited thereby.

If the utilization amount information for the affiliate card and the authorization target information for each of the utilization amount are set (945), the server provides a predetermined affiliate card with the affiliate card information through a predetermined card registration device. Produce (or deliver) to the customer to produce (950).

According to an exemplary embodiment of the present invention, if the affiliate card is an MS card, the card registration apparatus may provide the affiliate card information to at least one or more MS tracks (eg, track I, track II, and track III) included in the affiliate card. It is preferable to include an apparatus for recording.

According to another embodiment of the present invention, if the affiliated card is an IC card, the card registration device preferably includes an apparatus for recording the affiliated card information in a memory provided in the IC chip of the affiliated card.

Thereafter, the server issuing an affiliate card including at least one of customer information included in the card registration application information provided from the customer through the card registration interface, the generated affiliate card information, and card attribute information of the affiliate card. Information is stored in the storage medium 855 (955).

Here, the customer information included in the affiliated card issuance information includes personal information of the card registered customer (for example, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.), and the customer It is preferable to include at least one member information (for example, member ID information) subscribed to the affiliate server 100.

In addition, the card attribute information included in the affiliate card issuance information may be assigned to a credit card attribute, a check card attribute, a debit card attribute, a cash card attribute, or prepaid. At least one attribute setting information for imparting card firing is preferably included.

For example, when assigning a credit card attribute to the affiliate card, the card attribute information includes various attribute information (eg, credit limit, etc.) for use in payment through a credit card payment system for issuing the affiliate card. When the check card / debit card / cash card attribute is given to the affiliate card, the card attribute information may include customer account information associated with the affiliate card, and the prepaid card attribute is added to the affiliate card. In the case of granting, the card attribute information may include information on the amount of charge charged in the affiliate card.

Those skilled in the art will be able to infer various technical configurations of the card attribute information, so a detailed description thereof will be omitted.

In addition, the utilization amount information for the affiliated card is preferably made to include a predetermined amount of the limit given to the affiliated card by the card issuing affiliated institution, and then a part (or all) of the utilization amount is the card. It is preferable to deposit in the form of a customer allowance from the issuing affiliate institution to the card issuer.

According to an exemplary embodiment of the present invention, the approval target information for each limit includes at least one merchant information (or merchant group information), payment amount information, online / offline payment channel information, etc. to be paid and processed through the utilization amount. It is preferable to comprise at least one or more.

According to another exemplary embodiment of the present invention, the approval target information for each limit may include information for first subtracting the payment amount through the affiliate card from the usage amount regardless of the payment condition corresponding to the affiliate card. It is possible, and the invention is not limited thereby.

Thereafter, the server issues the at least one affiliate card including at least one of customer information corresponding to the affiliate card, card information, and card attribute information to the card company server 110 through the communication means. In operation 960, the card company server 110 stores the affiliate card operation information, which further includes the card issuing affiliate information, in the predetermined card information D / B 880. 965).

In addition, the card company server 110 sets predetermined credit limit amount information for the affiliated card and approval target information for each limit on the card limit amount (970).

According to an embodiment of the present invention, when the affiliate card includes a credit card attribute, the card company server 110 checks the credit rating of the customer who is issued the affiliate card, and then predetermined credit limit corresponding to the customer credit rating. It is preferable to set the amount of money to the card limit amount of money.

According to another embodiment of the present invention, when the affiliate card includes a check card / debit card attribute, the card company server 110 checks the customer account associated with the affiliate card, and stores the customer account balance on the card. It is preferable to set the limit amount.

In addition, the card company server 110 sets the permissible information for each limit including at least one or more merchant information (or merchant group information) to be settled through the set credit limit amount, and / or the set credit limit. Setting a per-approval target information that includes at least one payment amount per day or at least one daily / weekly / monthly payment amount, and / or when the affiliate card is processed through an online payment channel. It is recommended to set the subject-specific authorization information to allow the payment amount to be processed through the card limit amount or to process the payment amount through the card limit amount when the payment amount is processed through the offline payment channel. desirable.

According to another exemplary embodiment of the present invention, the card company server 110 allows the approval target information for each limit to be first subtracted from the card limit amount of the payment amount through the affiliate card regardless of the payment condition corresponding to the affiliate card. Or, it may be made to include information to first subtract from the usage amount registered in the affiliate server 100, whereby the present invention is not limited.

If the predetermined card limit amount information for the affiliated card and the authorization target information for each limit on the card limit amount are set (975), the card company server 110 may determine the card limit amount information and the card limit amount. The target information for each limit is included in the affiliated card operation information and stored in the card information D / B 880 (980).

According to one embodiment of the present invention, the card information D / B 880 is preferably provided in a DBMS on a predetermined financial system provided in the card issuing institution (or associated with the card issuing institution). The card information D / B 880 may be a ledger D / B provided in a DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, whereby the present invention is not limited thereto. No.

According to another exemplary embodiment of the present invention, the card information D / B 880 is an online payment system, and / or a WAP-based wireless payment system, and / or an IC chip provided in (or associated with) the card issuer. It is possible to be provided in the DBMS on at least one or more of the base wireless payment system, and / or the tele payment system, whereby the present invention is not limited.

According to another embodiment of the present invention, the card information D / B 880 is an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided (or associated with) the card issuing organization. It is possible to be provided in the DBMS on at least one of the banking system, and / or TV banking system, whereby the present invention is not limited.

Thereafter, the card company server 110 transmits the set card limit amount information and the authorization target information for each limit on the card limit amount to the server through the communication means (985). In operation 990, the affiliated card issuance information stored in the medium 855 further includes the card limit amount information and the limit target approval information for the card limit amount.

10 is a diagram illustrating a card registration process for issuing an affiliate card through card number rental according to another embodiment of the present invention.

In more detail, in FIG. 10, in the card registration system shown in FIG. 8, a non-face-to-face card registration interface (eg, a client terminal and network means including at least one of a wired terminal and / or a wireless terminal) is provided by a predetermined customer. When accessing the affiliate server 100 through the input (or select) the predetermined card registration application information and transmits, the affiliate server 100 leases the card number to the customer based on the card registration application information As a process of issuing a predetermined affiliate card through the above, specifically, the rental card number D / B 850 for storing the rental card number is provided in the card issuing affiliate institution and is also provided in the card issuing institution. The synchronization method of the rental card number D / B 850 is shown to register / issue the affiliate card.

Those of ordinary skill in the art to which the present invention pertains can deduce various implementation methods for issuing the affiliated card for issuing the affiliated card through leasing the card number by referring to and / or modifying the drawing 10. However, the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

For example, although FIG. 10 illustrates that the affiliate card is produced and provided (or delivered) to the customer, the affiliate card issuance information is stored in the storage medium 855. The process of storing the predetermined affiliate card issuance information in the storage medium 855 may be performed before the affiliate card is produced or before the affiliate card is produced (or delivered) to the customer. The present invention is not limited.

Hereinafter, in FIG. 10, the card registration terminal shown in FIG. 8 is referred to as a "terminal" for convenience, and the affiliate server 100 is referred to as a "server" for convenience.

Referring to FIG. 10, the customer accesses the server through a predetermined terminal to connect a communication channel for card registration application, and the affiliate card for issuing an affiliate card through leasing the card number through the communication channel. The application is issued (1000), and in response, the server generates (or extracts) a user interface for issuing the alliance card and provides it to the terminal through the communication channel (1005).

Thereafter, the terminal receives (or selects) the card registration request information through the user interface and transmits the input (or select) the card registration request information to the server through the communication channel (1010).

According to an embodiment of the present invention, the card registration application information includes customer information of the card registration customer and at least one or more kinds of card attribute information for setting card attributes for the affiliated card.

Here, the customer information is personal information of the card registered customer (for example, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.), and the customer has subscribed to the affiliate server 100. It is preferable to include at least one member information (eg, member ID information).

Further, the card attribute information for the affiliate card may be assigned to a credit card attribute, a check card attribute, a debit card attribute, a cash card attribute, or a prepaid card firing. It is preferable that the at least one attribute setting information for granting a.

For example, when assigning a credit card attribute to the affiliate card, the card attribute information may include credit inquiry consent information for issuing the affiliate card, and assigns a check card / debit card / cash card attribute to the affiliate card. In the case of granting, the card attribute information may include customer account information associated with the affiliate card. When the prepaid card attribute is assigned to the affiliate card, the card attribute information may be set to the affiliate card. It may include a prepaid card charging information for charging.

According to another embodiment of the present invention, when the card attribute is fixed by the card issuing affiliate (or card issuing authority) or is set in a policy, the card attribute information may be omitted, thereby limiting the present invention. Not.

Thereafter, the server receives and reads the card registration request information from the terminal through the network means and issues the affiliated card through leasing the card number to the customer based on the customer information included in the card registration request information. The card registration validity for issuing the affiliate card is checked (1015).

According to the implementation method of the present invention, the validity confirmation for issuing the alliance card to the customer, based on the customer name and resident registration number included in the customer information, a predetermined real name verification server (not shown) It is preferable to include a) to confirm the real name of the customer in conjunction with).

In addition, when the affiliated card includes a credit card attribute, the validity check for issuing the affiliated card to the customer is based on a predetermined communication means based on the customer information. It is preferable to include the check the credit information of the customer in conjunction with).

In addition, when the affiliate card includes a check card / debit card attribute, the validity check for issuing the affiliate card to the customer is performed based on the customer information. It is preferable that the customer account associated with the card is formed in connection with a financial institution server (not shown) opened and confirming whether the customer account is opened and normally operated.

If the validity to issue the affiliate card to the customer is not authenticated through the card registration application information (1020), the server provides card registration error information to the customer through the card registration interface (1025). Stop issuing the affiliate card to the customer.

On the other hand, if the validity to issue the affiliate card to the customer is authenticated through the card registration application information (1020), the server stores at least one rental card number based on the card registration application information lease card number Extract the rental card number to be assigned to the affiliate card from the D / B 850 and assign it to the affiliate card number, and the card issuing agency based on the card registration application information through the communication means. The lease card number D / B 850 provided in the card issuing agency and the lease card number provided in the card issuing agency and the card issuing agency The number D / B 850 is synchronized (1030).

Thereafter, the server transmits the affiliate card number to the card company server 110 that has leased the lease card number through the communication means, and then a verification value (or verification code) corresponding to the affiliate card number to the card company server 110. Request a card verification value (or verification code) corresponding to the affiliate card number from the card company server 110 (1035), and the affiliate card number and card verification value (or verification code). Generates predetermined affiliate card information including 1040.

Here, the affiliated card information may include a card number (eg, 16-digit card number) corresponding to the affiliated card, the received card verification value (or verification code), expiration date information (some may be omitted), and card issuer information ( Or code).

For example, the card number (although some exceptions exist) preferably includes a four-digit card issuing organization number, a two-digit card type number, a nine-digit serial number, and a check digit.

The expiration date information is preferably made to include the period (or expiration date and time) that can be used for the affiliate card, it may be omitted if the expiration date does not exist in the affiliate card, thereby the present invention is not limited .

The card issuing organization information (or code) preferably comprises at least one or more unique numbers (or unique codes) assigned to the card issuing organization (or financial company) that issues the affiliate card to the customer.

According to an embodiment of the present invention, if the affiliate card is an MS card, the generated affiliate card information preferably includes a data structure recordable on at least one or more MS tracks provided in the MS card.

According to another exemplary embodiment of the present invention, if the affiliate card is an IC card, the generated affiliate card information may include a file structure operable through a chip operating system (COS) provided in the IC chip. .

Thereafter, the server sets usage amount information including a predetermined limit amount assigned to the affiliate card by the card issuing affiliate institution and approval target information for each limit on the usage amount (1045).

According to the implementation method of the present invention, the server preferably sets a certain amount of money to be used by the card issuing affiliate to the affiliated card according to the utilization policy of the card issuing affiliate.

Alternatively, the server may set the predetermined amount in consideration of the customer grade set by the card issuing affiliate institution or the loyalty of the customer to the card issuing affiliate institution based on the customer information included in the card registration application information. It is preferable that the card issuance affiliated institution set the usage amount to be assigned to the affiliated card.

Alternatively, the server checks the credit rating of the customer in connection with at least one credit rating server (not shown) based on the customer information included in the card registration application information, and then, the server determines a predetermined amount of money corresponding to the credit rating. It is preferable that the card issuance affiliated institution set the usage amount to be assigned to the affiliated card.

Alternatively, the server checks the account balance of the customer in connection with at least one financial company server (not shown) based on the customer information included in the card registration application information, and then sets a predetermined amount of money corresponding to the account balance. It is preferable that the card issuance affiliated institution set the usage amount to be assigned to the affiliated card.

Or, the server requests the credit limit amount information of the customer to the card company server 110 provided in the card issuing agency based on the customer information included in the card registration application information, and the credit limit amount to be confirmed It is preferable to set the corresponding fixed amount of money to the utilization amount that the card issuing affiliate institution gives to the affiliate card.

Those skilled in the art to which the present invention pertains, in addition to the usage setting method described above, it is possible to infer various implementation methods in which the card issuing affiliate institution gives a predetermined usage amount to the affiliate card. It is preferable that the invention includes all the methods of inferring the above.

According to an exemplary embodiment of the present invention, the server sets approval target information for each limit including at least one or more affiliate store information (or affiliate store group information) to be processed for payment through the set utilization amount, and / or the set Set up a per-approval target information that includes at least one one-time payment, or at least one daily / weekly / monthly payment amount through a usage amount; and / or the affiliate card pays through an online payment channel If the payment is processed through the utilization amount, or if the payment process through the offline payment channel, the approval target information for each limit to allow the payment amount to be processed through the utilization amount. It is preferable to set.

According to another exemplary embodiment of the present invention, the approval target information for each limit may include information for first subtracting the payment amount through the affiliate card from the usage amount regardless of the payment condition corresponding to the affiliate card. It is possible, and the invention is not limited thereby.

If the utilization amount information for the affiliated card and the approval target information for each limit on the used amount are set (1050), the server provides a predetermined affiliated card with the affiliated card information through a predetermined card registration device. Produce (or deliver) the customer to make (1055).

According to an exemplary embodiment of the present invention, if the affiliate card is an MS card, the card registration apparatus may provide the affiliate card information to at least one or more MS tracks (eg, track I, track II, and track III) included in the affiliate card. It is preferable to include an apparatus for recording.

According to another embodiment of the present invention, if the association card is an IC card, the card registration device preferably includes an apparatus for recording the association card information in a memory provided in the IC chip of the association card.

Thereafter, the server issuing an affiliate card including at least one of customer information included in the card registration application information provided from the customer through the card registration interface, the generated affiliate card information, and card attribute information of the affiliate card. Information is stored in the storage medium 855 (1060).

Here, the customer information included in the affiliated card issuance information includes personal information of the card registered customer (for example, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.), and the customer It is preferable to include at least one member information (for example, member ID information) subscribed to the affiliate server 100.

In addition, the card attribute information included in the affiliate card issuance information may be assigned to a credit card attribute, a check card attribute, a debit card attribute, a cash card attribute, or prepaid. At least one attribute setting information for imparting card firing is preferably included.

For example, when assigning a credit card attribute to the affiliate card, the card attribute information includes various attribute information (eg, credit limit, etc.) for use in payment through a credit card payment system for issuing the affiliate card. When the check card / debit card / cash card attribute is given to the affiliate card, the card attribute information may include customer account information associated with the affiliate card, and the prepaid card attribute is added to the affiliate card. In the case of granting, the card attribute information may include information on the amount of charge charged in the affiliate card.

Those skilled in the art will be able to infer various technical configurations of the card attribute information, so a detailed description thereof will be omitted.

In addition, the utilization amount information for the affiliated card is preferably made to include a predetermined amount of the limit given to the affiliated card by the card issuing affiliated institution, and then a part (or all) of the utilization amount is the card. It is preferable to deposit in the form of a customer allowance from the issuing affiliate institution to the card issuer.

According to an exemplary embodiment of the present invention, the approval target information for each limit includes at least one merchant information (or affiliate group information), payment amount information, online / offline payment channel information, etc. It is preferable to include at least one.

According to another exemplary embodiment of the present invention, the approval target information for each limit may include information for first subtracting the payment amount through the affiliate card from the usage amount regardless of the payment condition corresponding to the affiliate card. It is possible, and the invention is not limited thereby.

Thereafter, the server issues the at least one affiliate card including at least one of customer information corresponding to the affiliate card, card information, and card attribute information to the card company server 110 through the communication means. In step 1065, the card company server 110 stores the affiliate card operation information further including the card issuing affiliate information in the affiliate card issuing information in a predetermined card information D / B 880 ( 1070).

In addition, the card company server 110 sets predetermined card limit amount information for the affiliated card and limit target approval information for the card limit amount (1075).

According to an embodiment of the present invention, when the affiliate card includes a credit card attribute, the card company server 110 checks the credit rating of the customer who is issued the affiliate card, and then predetermined credit limit corresponding to the customer credit rating. It is preferable to set the amount to the card limit amount.

According to another embodiment of the present invention, when the affiliate card includes a check card / debit card attribute, the card company server 110 checks the customer account associated with the affiliate card, and stores the customer account balance on the card. It is preferable to set the limit amount.

In addition, the card company server 110 sets the permissible information for each limit including at least one or more merchant information (or merchant group information) to be settled through the set credit limit amount, and / or the set credit limit. Setting a per-approval target information that includes at least one payment amount per day or at least one daily / weekly / monthly payment amount, and / or when the affiliate card is processed through an online payment channel. It is recommended to set the subject-specific authorization information to allow the payment amount to be processed through the card limit amount or to process the payment amount through the card limit amount when the payment amount is processed through the offline payment channel. desirable.

According to another exemplary embodiment of the present invention, the card company server 110 allows the approval target information for each limit to be first subtracted from the card limit amount of the payment amount through the affiliate card regardless of the payment condition corresponding to the affiliate card. Or, it may be made to include information to first subtract from the usage amount registered in the affiliate server 100, whereby the present invention is not limited.

If predetermined card limit amount information for the affiliated card and limit target authorization information for the card limit amount are set (1080), the card company server 110 determines the card limit amount information and the card limit amount. The authorization target information for each limit is included in the affiliated card operation information and stored in the card information D / B 880 (1085).

According to one embodiment of the present invention, the card information D / B 880 is preferably provided in a DBMS on a predetermined financial system provided in the card issuing institution (or associated with the card issuing institution). The card information D / B 880 may be a ledger D / B provided in a DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, whereby the present invention is not limited thereto. No.

According to another exemplary embodiment of the present invention, the card information D / B 880 is an online payment system, and / or a WAP-based wireless payment system, and / or an IC chip provided in (or associated with) the card issuer. It is possible to be provided in the DBMS on at least one or more of the base wireless payment system, and / or the tele payment system, whereby the present invention is not limited.

According to another embodiment of the present invention, the card information D / B 880 is an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided to (or associated with) the card issuer. It is possible to be provided in the DBMS on at least one banking system of, and / or a TV banking system, whereby the present invention is not limited.

Thereafter, the card company server 110 transmits the set card limit amount information and the authorization target information for each limit on the card limit amount to the server through the communication means (1090). The affiliated card issuance information stored in the medium 855 further includes the card limit amount information and the authorization target information for each limit on the card limit amount (1095).

FIG. 11 is a diagram illustrating a card registration system for issuing an affiliate card in the form of a card applet (or IC chip storage information) through collective leasing of card numbers according to an exemplary embodiment of the present invention.

In more detail, Figure 11 shows a customer who owns a wireless terminal equipped with a predetermined wireless IC chip (e.g., a financial IC chip or a Universal Subscriber Identity Module (USIM)) through a predetermined card registration interface. If the card registration application information for issuing an affiliate card through lease of a predetermined card number is provided, the card issuing agency provides the wireless IC chip provided to the customer to the customer based on the provided card registration application information. As a system configuration for issuing an affiliate card in the form of a card applet (or IC chip storage information), specifically, a rental card number D / B 1160 for storing the rental card number is provided in the card issuing affiliated institution. It shows an implementation method.

Those skilled in the art to which the present invention pertains, various implementation methods (for example, the lease) for the configuration of a card registration system for issuing an affiliated card through the lease of the card number by referring to and / or modifying this drawing 11 The rental card number D / B 1160 for storing the card number may be provided in the card issuing institution, or the rental method for synchronizing the rental card number D / B 1160 may be inferred. It includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Hereinafter, a card applet (or IC chip storage) is a wireless IC chip provided in the customer wireless terminal based on the card registration application information provided from the customer through a predetermined card registration interface on the card registration system shown in FIG. Information corresponding to at least one or more means and / or functional configuration for issuing an affiliate card in the form of a &quot; partner server 100 &quot; for convenience, and the card issuing affiliated agency provided with the affiliate server 100 can It is preferable to include at least one of a mobile communication company, various wireless communication companies, various wire communication companies, portal operators, and the like, which are affiliated with a card issuing agency.

Referring to FIG. 11 according to an embodiment of the present invention, a card registration system for issuing an affiliated card through leasing the card number is an employee terminal used by an affiliated employee provided in at least one card issuer (or financial institution). And / or a client terminal including at least one wired terminal and / or a wireless terminal used by the customer when the card registration system supports a non-face-to-face card registration application. Characterized in that the employee terminal and / or client terminal is connected to the communication channel and the affiliate server 100 provided in the card issuing affiliate institution through a predetermined network means.

According to one embodiment of the present invention, the customer visits the card issuing agency to issue an affiliate card through the card number leasing and through the window provided at the card issuing institution (or through an affiliated employee). Fill out a predetermined card registration application for issuing an affiliate card through lease (e.g., a document with a form for filling in at least one item of information for issuing an affiliate card through lease of the card number) and / or the affiliate employee Visit the customer and have the customer fill out a predetermined card registration application for issuing an affiliate card through leasing the card number), and submit the completed card registration application to the affiliated employee. Enter (or select) the information entered on the card registration application through the employee's terminal The employee terminal preferably transmits the input (or selected) information to the affiliate server 100 provided in the card issuing affiliate institution through the network means.

Here, preferably, the employee terminal includes an employee terminal used by an affiliated employee provided in the card issuing institution, and the affiliate server 100 connected to the employee terminal is the card issuing institution (or financial institution, or the And a server provided on a card issuing agency affiliated with a card issuing institution, wherein the network means for connecting the employee terminal and the affiliate server 100 is between the employee terminal and the affiliate server 100. It is preferable to include a communication network connecting the communication channel.

In the card registration system as described above, the card registration application created by the customer, the employee terminal used by the affiliated employee and the financial network connecting the employee terminal and the affiliated server 100, the customer rents the card number. It performs a function of a card registration interface for registering card registration application information for issuing an affiliate card through.

According to another embodiment of the present invention, if the card registration system supports a non-face-to-face card registration application, the customer is a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network. Access the affiliate server 100 through at least one of the client terminals, and through the at least one user interface provided by the affiliate server 100, register card application information for issuing an affiliate card through leasing the card number. If input (or selected), it is preferable to transmit from the client terminal to the affiliate server 100 provided in the card issuing affiliate institution through a predetermined network means.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices connected to a TCP / IP based communication network, and a desktop computer and / or a notebook 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.

In addition, the wireless terminal connected to the wireless communication network is all terminal devices connected to a code division multiple access (CDMA) based mobile communication network, and / or all terminal devices connected to a high speed downlink packet access (HSDPA) based wireless communication network, and / Or all terminal devices connected to the IEEE 802.16x based mobile Internet, and / or all terminal devices connected to Motorola's DataTAC method and / or Erricson's Mobitex type wireless data communication network, the personal communication connected to the CDMA based mobile communication network. Terminal (Personal Communication System; PCS) and / or Global System for Mobile communications (GSM) terminals and / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or personal information terminals (Personal Digital Assistant; PDA) and / or Smart Phone and / or Telematics, or High Speed Do at least one wireless communication terminal connected to a wireless communication network based on a wnlink packet access), a portable internet terminal connected to the IEEE 802.16x based mobile Internet, or a wireless data communication terminal connected to the DataTAC / Mobitex based wireless data communication network. It is preferable to make.

The client terminal may output at least one user interface provided by the affiliate server 100, input and / or select at least one information through the user interface, and transmit the same to the affiliate server 100. It is preferable that a function configuration (e.g., a browser program and a communication function, or a predetermined communication program and a communication function to communicate with the affiliate server 100) 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 a detailed description thereof is omitted for convenience. .

In the card registration system as described above, a client terminal including at least one wired terminal and / or a wireless terminal used by the customer, at least one wired communication network connecting the client terminal and the affiliate server 100 and / or Alternatively, the wireless communication network performs a function of a card registration interface for registering the card registration application information for the customer to issue an affiliated card through leasing the card number.

According to another embodiment of the present invention, when the card registration system supports a non-face-to-face card registration application, the card registration terminal, in addition to the employee terminal and / or client terminal, a predetermined financial network (eg, 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. And a terminal (and / or standing) provided in at least one or more organizations affiliated with the card issuing organization, and / or further comprising a predetermined call terminal (not shown) connected to the card issuing organization. Burr (not shown) may be further included, whereby the present invention is not limited.

In the case of supporting a non-face-to-face card registration application as described above, when the card registration terminal is the financial automatic device (not shown), the financial automatic device (not shown) and the financial automatic device (not shown) And a financial network connecting the affiliate server 100 performs a function of a card registration interface for registering the card registration application information for the customer to issue an affiliate card through the lease of the card number, and / or the card registration. When the terminal is the call terminal (not shown), the wired telephone network and / or the wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the affiliate server 100 may be used by the customer. Performs a function of a card registration interface for registering card registration application information for issuing an affiliate card through number rental, and / or the card registration terminal In the case of a terminal (and / or server) (not shown) provided in an institution affiliated with the card issuing organization, the terminal (and / or server) (not shown) and the terminal (and / or server) (not shown) Network connecting the affiliate server 100 performs a function of a card registration interface for registering the card registration application information for issuing an affiliate card through the card number rental.

According to an embodiment of the present invention, the lease card number D / B 1160 provided in the card issuing affiliate institution is leased so that the card issuing agency is allocated to at least one affiliate card registered through the card issuing affiliate institution. It is preferable to include at least one or more card number, it is preferable to further comprise the card issuing institution information that leased the lease card number.

Here, the rental card number, including all 16-digit card number, or the nine-digit serial number of the 16-digit card number (for example, the first four digits corresponding to the card issuing agency number and corresponding to the card type number) The next 2 digits and the remaining 9 digit serial number except the last 1 digit corresponding to the check digit), preferably including a predetermined number area, and according to the intention of the person skilled in the art In addition, it may include a rental card number that follows the other card number system.

In addition, the card issuing agency information is information for identifying at least one or more card issuing institutions that have leased the lease card number to the card issuing affiliate, and issuing at least one or more card numbers to the card issuing affiliate. If there is only one engine, it is possible to omit it and thereby the present invention is not limited.

The storage medium 1165 provided in the card issuing affiliate institution issues a predetermined alliance card to the customer based on the card registration application information provided from the card registration terminal, and the customer information according to the issuance of the alliance card. And affiliated card issuance information including at least one affiliated card information and card attribute information, wherein the affiliated card issuance information stored in the storage medium 1165 is used by the card issuing affiliate to lease the card number. Used to provide affiliate card related services.

According to another exemplary embodiment of the present invention, the storage medium 1165 may be connected to a predetermined DBMS interoperating with a server (or device) that performs a predetermined information processing function by using the affiliated card issuing information at the card issuing affiliate institution. In this case, the storage medium 1165 may be provided at various positions according to the intention of those skilled in the art, and the present invention is not limited thereto.

The affiliate server 100 provided in the card issuing affiliate institution is a generic term for the card issuing affiliate institution component connected to the card registration terminal 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 affiliate server 100 is provided with an interface unit 1100 (or interface means) for providing a predetermined card registration interface to the card registration terminal through the network means. do.

According to an exemplary embodiment of the present invention, when the card registration terminal is an employee terminal connected to a predetermined financial network, the interface unit 1100 is based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one information (or data) using a communication protocol defined in a card registration application program provided in the employee terminal.

According to another embodiment of the present invention, when the card registration terminal is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 1100 is based on the protocol stack defined in the wired communication 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 a browser program corresponding to a Hyper-Text Transfer Protocol (HTTP) protocol is provided in the client terminal, the interface unit 1100 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 a predetermined card registration application program provided by the affiliate server 100 is provided in the client terminal, the interface unit 1100 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 embodiment of the present invention, when the card registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 1100 is based on a protocol stack defined in the wireless communication network. It is preferable to connect a predetermined communication channel with the client terminal, and to provide a communication interface for transmitting and receiving at least one or more 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 1100 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 registration application program provided by the affiliate server 100, the interface unit 1100 connects a communication channel with the client terminal based on the CDMA protocol, and the communication program Provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in.

Referring to FIG. 11, the affiliate server 100 is connected with the interface unit 1100 when a predetermined card registration terminal is connected to the affiliate server 100 through the interface unit 1100. An interface providing unit 1105 (or interface providing means) for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined card registration application information to the card registration terminal; An information receiving unit 1110 (or information receiving means) for receiving predetermined card registration application information that is input (or selected) and transmitted from the card registration terminal through the user interface in association with the interface unit 1100; Validation authentication unit 1115 (or validity to check the validity of issuing the affiliate card to the customer based on the registered card registration application information) And a card number allocator for allocating a predetermined lease card number among at least one lease card number provided in the lease card number D / B 1160 as an affiliate card number for the registered affiliate card ( 1125 (or card number assignment means), card information generation unit 1130 (or information generation means) for generating predetermined association card information including the association card number, and the card issuance corresponding to the association card. A predetermined amount including a usage amount setting unit 1135 (or usage degree setting means) for setting an authorization target for each limit on the usage amount and the usage amount that are assigned to the customer by the affiliated institution; The applet generating unit 1140 (or applet generating means) for generating a card applet (or IC chip storage information) and the card applet (or IC chip storage information) are transferred through a predetermined wireless communication network. A card issuing unit 1150 (or card issuing means) for issuing the alliance card by providing it to a customer wireless terminal and recording it on a wireless IC chip provided in the customer wireless terminal and corresponding to the alliance card issued to the customer. And an information storage unit 1145 (or information storage means) for storing the association card issuance information in the storage medium 1165.

In addition, the affiliate server 100 after the predetermined partnership card is issued through the card issuing unit 1150, the predetermined through the communication means (for example, a dedicated communication network, or a secure communication network based on encrypted communication) The card company server 110 provided in the card issuing organization is characterized in that it comprises an information transmitting and receiving unit 1120 for transmitting the customer information, card information, and card attribute information corresponding to the partnership card.

In addition, when a predetermined cooperation card number is assigned by the card number assignment unit 1125, the information transmitting and receiving unit 1120 sends the card to the card company server 110 provided in the card issuing institution through the communication means. The affiliate card number assigned by the number assignment unit 1125 is transmitted, and a card verification value (or verification code) corresponding to the affiliate card number from the card company server 110 (eg, a CVV (Card of a visa card). Verification Value), the CVC (Card Validation Code) of the master card, the CID (Confidential Identifier Number or Card Identification Number) of the American Express card, etc., and receives the card verification value (or verification) in the rental card number Code), the function of transmitting and receiving the card verification value (or verification code) for the affiliated card number may be omitted.

The interface providing unit 1105, when a predetermined card registration terminal is connected to the affiliate server 100 through the interface unit 1100, the card registration application information corresponding to the functional configuration provided in the card registration terminal; Generate a predetermined user interface that can be input (or selected) and transmitted to the affiliate server 100 via the network means, and / or extracted from a predetermined database (not shown), and the interface unit 1100 And providing the generated (or extracted) user interface to the card registration terminal through the network means.

Thereafter, the card registration terminal inputs (or selects) the card registration application information based on the user interface, and transmits the input (or selected) card registration application information to the affiliate server 100 through the network means. send.

According to an embodiment of the present invention, when the card registration terminal is an employee terminal connected to a predetermined financial network, the interface providing unit 1105 may provide a predetermined user interface that can be provided by a card registration application program provided in the employee terminal. It is preferable to generate (or extract) and provide the user interface generated (or extracted) to the employee terminal through the interface unit 1100.

According to another embodiment of the present invention, when the card registration terminal is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface providing unit 1105 may include a browser program and / or provided in the client terminal. 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 1100.

According to another exemplary embodiment of the present invention, when the card registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 1105 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 1100.

When the information receiving unit 1110 inputs (or selects) predetermined card registration application information through the user interface from the card registration terminal and transmits the information through the network means, the card registration unit 1100 interworks with the interface unit 1100 to register the card. Characterized by receiving the application information, and provides the received card registration application information to the validity authentication unit 1115.

According to an embodiment of the present invention, the card registration application information includes at least one or more card information of the card registration customer, customer wireless terminal information, and various card property information for setting card properties for the affiliated card. .

Here, the customer information is personal information of the card registered customer (for example, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.), and the customer has subscribed to the affiliate server 100. It is preferable to include at least one member information (eg, member ID information).

In addition, the customer wireless terminal information is unique information of the customer wireless terminal equipped with a wireless IC chip capable of recording a card applet (or IC chip storage information) (for example, wireless terminal telephone number, address information, or identification information, Or at least one of ID information, etc.), and a card applet corresponding to the affiliate card by a wireless terminal corresponding to the customer wireless terminal information for issuing a predetermined affiliate card through the card number rental. Or IC chip storage information).

Further, the card attribute information for the affiliate card may be assigned to a credit card attribute, a check card attribute, a debit card attribute, a cash card attribute, or a prepaid card firing. It is preferable to include at least one or more attribute setting information to be provided.

For example, when assigning a credit card attribute to the affiliate card, the card attribute information may include credit inquiry consent information for issuing the affiliate card, and assigns a check card / debit card / cash card attribute to the affiliate card. In the case of granting, the card attribute information may include customer account information associated with the affiliate card. When the prepaid card attribute is assigned to the affiliate card, the card attribute information may be set to the affiliate card. It may include a prepaid card charging information for charging.

According to another embodiment of the present invention, when the card attribute is fixed by the card issuing affiliate (or card issuing authority) or is set in a policy, the card attribute information may be omitted, thereby limiting the present invention. Not.

The validity authentication unit 1115 checks the validity of issuing the alliance card to the customer based on the customer information and the customer wireless terminal information included in the received card registration application information.

According to the implementation method of the present invention, the validity confirmation for issuing the alliance card to the customer, based on the customer name and resident registration number included in the customer information, a predetermined real name verification server (not shown) It is preferable to include a) to confirm the real name of the customer in conjunction with).

In addition, when the affiliated card includes a credit card attribute, the validity check for issuing the affiliated card to the customer is based on a predetermined communication means based on the customer information. It is preferable to include the check the credit information of the customer in conjunction with).

In addition, when the affiliate card includes a check card / debit card attribute, the validity check for issuing the affiliate card to the customer is performed based on the customer information. It is preferable that the customer account associated with the card is formed in connection with a financial institution server (not shown) opened and confirming whether the customer account is opened and normally operated.

In addition, validity confirmation for issuing the alliance card to the customer includes subscriber management means (for example, subscriber information D / B (not shown) and subscription management server (not shown)) on the wireless communication network corresponding to the customer wireless terminal information. Etc.), it is preferable to include checking whether the customer wireless terminal information is valid.

The card number assignment unit 1125 stores the at least one rental card number based on the card registration application information received through the information receiving unit 1110 from the rental card number D / B 1160. Identify a predetermined lease card number to be assigned to and generate (or extract) a predetermined lease card number including the lease card number, and assign the lease card number to the affiliated card.

According to an embodiment of the present invention, when the lease card number D / B 1160 is provided with a 16-digit lease card number, the card number allocator 1125 reads a predetermined lease card number among the lease card numbers. It is preferable to extract by the affiliate card number.

According to another embodiment of the present invention, when the rental card number D / B 1160 is provided with a rental card number including a 9-digit serial number of the 16-digit card number, the card number assignment unit 1125 is It is preferable to generate a predetermined affiliate card number including a rental card number, a card issuing agency information number, a card type number, and a check digit corresponding to the nine-digit serial number.

If the person having ordinary knowledge in the technical field to which the present invention belongs, if the lease card number follows a card number system other than the 16-digit card number, the lease card number to the affiliated card number according to the card number system Various implementation methods may be inferred, and the present invention is characterized by including all implementation methods inferred.

According to an embodiment of the present invention, when a predetermined cooperation card number is assigned by the card number assignment unit 1125, the information transmission / reception unit 1120 may be a card company server provided in the card issuer through the communication means. Transmits the affiliate card number assigned by the card number assignment unit 1125 to the card number assignment unit 1125; and a card verification value (or verification code) corresponding to the affiliate card number from the card company server 110 (eg, a visa card). It is preferable to receive the CVV (Card Verification Value), Master Card CVC (Card Validation Code), American Express Card CID (Confidential Identifier Number or Card Identification Number), and the card verification value in the rental card number (Or verification code) or when the card number assignment unit 1125 is provided with the card verification value (or verification code) generation function, the information transmitting and receiving unit 1120 is damaged. The ability to transmit and receive a card verification value (or validation code) for in-network card numbers but may be omitted.

When the association card number is generated (or extracted) as described above, the card information generation unit 1130 may generate predetermined association card information including the association card number.

According to an embodiment of the present invention, the affiliate card information includes at least one affiliate card number, a card verification value (or verification code), the card expiration date (some may be omitted), and card issuer information (or code). It is preferable to make it.

For example, the card number (although some exceptions exist) preferably includes a four-digit card issuing organization number, a two-digit card type number, a nine-digit serial number, and a check digit.

The expiration date information is preferably made to include the period (or expiration date and time) that can be used for the affiliate card, it may be omitted if the expiration date does not exist in the affiliate card, thereby the present invention is not limited .

The card issuing organization information (or code) preferably comprises at least one or more unique numbers (or unique codes) assigned to the card issuing organization (or financial company) that issues the affiliate card to the customer.

When predetermined affiliated card information included in the affiliated card is generated by the card information generator 1130, the utilization setting unit 1135 sets a predetermined amount of money according to the utilization policy of the card issuing affiliated institution. Characterized in that the issuing affiliated institution is set to the usage amount that is assigned to the affiliated card.

Alternatively, the utilization setting unit 1135 may determine the customer grade set by the card issuing affiliate institution or the loyalty of the customer to the card issuing affiliate institution based on the customer information included in the card registration application information. In consideration of the above, the predetermined amount is set as a usage amount which the card issuing affiliate institution gives to the affiliate card.

Alternatively, the utilization setting unit 1135 checks the credit rating of the customer in association with at least one credit evaluation server (not shown) based on the customer information included in the card registration application information, and then corresponds to the credit rating. It is characterized in that the predetermined amount of money is set to the utilization amount that the card issuing affiliated organization gives to the affiliated card.

Alternatively, the utilization setting unit 1135 checks the account balance of the customer in association with at least one financial company server (not shown) based on the customer information included in the card registration application information, and then corresponds to the account balance. It is characterized by setting a certain amount of money to the utilization amount that the card issuing affiliated organization gives to the affiliated card.

Alternatively, the utilization setting unit 1135 requests the credit limit amount information of the customer to the card company server 110 provided in the card issuing agency based on the customer information included in the card registration application information. Characterized in that a certain percentage of the amount corresponding to the credit limit amount to be confirmed is characterized in that the card issuance affiliated institutions to set the amount of the usage amount that the affiliated card.

Those skilled in the art to which the present invention pertains, in addition to the usage setting method described above, it is possible to infer various implementation methods in which the card issuing affiliate institution gives a predetermined usage amount to the affiliate card. The invention is characterized in that it comprises all the methods of inference.

According to the exemplary embodiment of the present invention, the utilization setting unit 1135 sets approval target information for each limit including at least one or more affiliate store information (or affiliate store group information) to be paid and processed through the set utilization amount. And / or to set the per-approval target information including at least one or more one-time payment amount or daily / weekly / monthly payment amount to be processed through the set utilization amount, and / or the affiliate card is online. Limit to allow the payment amount to be processed through the utilization amount when the payment is made through the payment channel, or to process the payment amount through the utilization amount when the payment is processed through the offline payment channel. It is desirable to set the approval target information.

According to another exemplary embodiment of the present invention, the approval target information for each limit may include information for first subtracting the payment amount through the affiliate card from the usage amount regardless of the payment condition corresponding to the affiliate card. It is possible, and the invention is not limited thereby.

When predetermined affiliate card information included in the affiliate card is generated by the card information generator 1130, the applet generator 1140 may store a predetermined card applet (or IC chip storage information) including the affiliate card information. The card applet (or IC chip storage information) is recorded in a wireless IC chip provided in the customer wireless terminal and has a file structure operable on a chip operating system (COS) on the wireless IC chip. It is preferable to comprise.

When the card applet (or IC chip storage information) is generated by the applet generating unit 1140, the card issuing unit 1150 sends the card to the customer wireless terminal through a wireless communication network corresponding to the customer wireless terminal information. By sending an applet (or IC chip storage information), the customer wireless terminal records the card applet (or IC chip storage information) on a wireless IC chip provided in the wireless terminal to issue the affiliate card to the customer. It is characterized by.

Thereafter, the information storage unit 1145 stores the customer information included in the card registration application information received from the customer through the information receiving unit 1110, the generated affiliate card information, card attribute information of the affiliate card, Characterized in that the storage card 1165 stores the affiliated card issuance information including at least one of the usage amount information and the limit-specific approval target information for the affiliated card.

Here, the customer information included in the affiliated card issuance information includes personal information of the card registered customer (for example, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.), and the customer It is preferable to include at least one member information (for example, member ID information) subscribed to the affiliate server 100.

In addition, the card attribute information included in the affiliate card issuance information may be assigned to a credit card attribute, a check card attribute, a debit card attribute, a cash card attribute, or prepaid. At least one attribute setting information for imparting card firing is preferably included.

For example, when assigning a credit card attribute to the affiliate card, the card attribute information includes various attribute information (eg, credit limit, etc.) for use in payment through a credit card payment system for issuing the affiliate card. When the check card / debit card / cash card attribute is given to the affiliate card, the card attribute information may include customer account information associated with the affiliate card, and the prepaid card attribute is added to the affiliate card. In the case of granting, the card attribute information may include information on the amount of charge charged in the affiliate card.

Those skilled in the art will be able to infer various technical configurations of the card attribute information, so a detailed description thereof will be omitted.

In addition, the utilization amount information for the affiliated card is preferably made to include a predetermined amount of the limit given to the affiliated card by the card issuing affiliated institution, and then a part (or all) of the utilization amount is the card. It is preferable to deposit in the form of a customer allowance from the issuing affiliate institution to the card issuer.

According to an exemplary embodiment of the present invention, the approval target information for each limit includes at least one merchant information (or merchant group information), payment amount information, online / offline payment channel information, etc. to be paid and processed through the utilization amount. It is preferable to comprise at least one or more.

According to another exemplary embodiment of the present invention, the approval target information for each limit may include information for first subtracting the payment amount through the affiliate card from the usage amount regardless of the payment condition corresponding to the affiliate card. It is possible, and the invention is not limited thereby.

Referring to FIG. 11, the card company server 110 of the card issuing organization connected to the affiliate server 100 through a predetermined communication means receives a predetermined affiliate card number from the affiliate server 100 through the communication means. The information transmitting / receiving unit 1170 (or information receiving unit) that receives (or receives the card verification value (or verification code) request information) and the predetermined information from the affiliate server 100 through the information transmitting / receiving unit 1170. When receiving an affiliate card number (or when a card verification value (or verification code) is requested), the verification card information generation unit 1130 generating a predetermined card verification value (or verification code) corresponding to the affiliate card number. And the information transmitting / receiving unit 1170 (or information transmitting means) transmits a card verification value (or verification code) corresponding to the affiliate card number to the affiliate server 100. It is characterized by.

Those skilled in the art to which the present invention belongs, the verification card information generation unit 1130 is the CVV (Card Verification Value) of the Visa card, Master Card CVC (Card Validation Code), Since you will be familiar with the technical features for generating a card verification value (or verification code) including at least one CID (Confidential Identifier Number or Card Identification Number), a detailed description thereof will be omitted for convenience.

Referring to FIG. 11, the card company server 110 of the card issuing organization connected to the affiliate server 100 through a predetermined communication means is connected to the issued affiliate card from the affiliate server 100 through the communication means. An information transmitting / receiving unit 1170 (or information receiving means) for receiving affiliate card issuance information including at least one corresponding customer information, affiliate card information, and card attribute information corresponding to the affiliate card; and the received customer information. And an information storage unit 1180 for storing, in the predetermined card information D / B 1190, the affiliate card operation information in which the affiliate card information and the card attribute information are linked to the affiliated agency information corresponding to the card issuing affiliated institution. Characterized in that made.

Referring to FIG. 11, the card company server 110 of the card issuing organization connected to the affiliate server 100 through a predetermined communication means may limit a predetermined card limit amount for the affiliate card and the card limit amount. The card limit setting unit 1185 (or a card limit setting means) for setting an approval target for each card, and the card limit amount information and the approval target information for each limit on the card limit amount in the partnership card operation information. An information storage unit 1180 (or information storage means) for storing in the information D / B 1190, and information on the object of approval for each limit on the card limit amount information and the card limit amount amount through the communication means through the affiliate server. Characterized in that it comprises an information transmitting and receiving unit 1170 (or information transmission means) for transmitting to (100).

When the affiliated card includes a credit card attribute, the card limit setting unit 1185 checks the credit level of the customer who is issued the affiliated card, and then sets a predetermined credit limit amount corresponding to the credit limit. It characterized in that it is set to.

Alternatively, when the affiliated card includes a check card / debit card attribute, the card limit setting unit 1185 checks a customer account associated with the affiliated card and sets the customer account balance as the card limit amount. It is characterized by.

According to the exemplary embodiment of the present invention, the card limit setting unit 1185 sets approval target information for each limit including at least one or more affiliate store information (or affiliate store group information) to be processed for payment through the set credit limit amount. And / or to set a limit authorization information including at least one one-time payment amount or a daily / weekly / monthly payment amount to be processed through the set credit limit amount, and / or the affiliate card is online. Limit to allow payment through the card limit amount if the payment is made through the payment channel or to pay through the card limit amount if the payment is made through the offline payment channel. It is desirable to set the approval target information.

According to another exemplary embodiment of the present invention, the approval target information for each limit may be set to first subtract the payment amount through the affiliate card from the card limit amount, regardless of the payment condition corresponding to the affiliate card, or the affiliate server ( It is possible to include information to first subtract from the usage amount registered in 100), whereby the present invention is not limited.

Thereafter, the affiliated card operation information stored in the card information D / B 1190 is used by the card issuer to provide a payment service or various additional services in association with at least one affiliated store.

According to an embodiment of the present invention, the card information D / B 1190 is preferably provided in a DBMS on a predetermined financial system provided in the card issuing institution (or associated with the card issuing institution). The card information D / B 1190 may be a ledger D / B provided in a DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, whereby the present invention is not limited thereto. No.

According to another exemplary embodiment of the present invention, the card information D / B 1190 is an online payment system, and / or a WAP-based wireless payment system, and / or an IC chip provided in (or associated with) the card issuer. It is possible to be provided in the DBMS on at least one or more of the base wireless payment system, and / or the tele payment system, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the card information D / B 1190 is an internet banking system, and / or a telebanking system, and / or a wireless banking system provided (or associated with) the card issuing institution. It is possible to be provided in the DBMS on at least one banking system of, and / or a TV banking system, whereby the present invention is not limited.

12 is a diagram illustrating a card registration process for issuing an affiliate card through card number rental according to an embodiment of the present invention.

In more detail, in FIG. 12, in the card registration system shown in FIG. 11, a predetermined customer creates a predetermined card registration application through a face-to-face card registration interface (e.g., the card registration application, employee terminal, and network means). When the affiliated employee submits (or selects) the card registration application information corresponding to the card registration application through a predetermined card registration terminal and transmits it to the affiliated server 100, the affiliated server ( 100 shows a process of issuing a predetermined affiliate card through the card number rental to the customer based on the card registration application information, specifically, the rental card number D / B (1160) storing the rental card number. ) Illustrates an implementation method provided in the card issuing affiliated institution.

Those skilled in the art to which the present invention pertains can refer to this drawing 12 and / or modified to infer various implementation methods for issuing the affiliate card for issuance of the affiliate card through lease of the card number. However, the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

For example, FIG. 12 illustrates that the affiliate card is produced and provided (or shipped) to the customer, and then the affiliate card issuance information is stored in the storage medium 1165. The process of storing the predetermined affiliate card issuance information in the storage medium 1165 may be performed before the affiliate card is produced or before the affiliate card is produced (or delivered) to the customer. The present invention is not limited.

Hereinafter, in FIG. 12, the card registration terminal shown in FIG. 11 is referred to as a "terminal" for convenience, and the affiliate server 100 is referred to as a "server" for convenience.

Referring to Figure 12, the customer through the face-to-face card registration interface (for example, the card registration application, employee terminal and network means) to issue the affiliate card for issuing the affiliate card through the card number rental When a predetermined card registration application (e.g., a document having a form for filling in at least one information item for issuing an affiliate card through lease of the card number) is prepared and submitted to an affiliated employee, the terminal member is operated by the affiliated employee. Receives (or selects) 1200 card registration application information corresponding to the card registration application prepared by the customer through a predetermined user interface, and transmits the card registration application information to the server through the network means (1205). ).

According to an embodiment of the present invention, the card registration application information includes customer information of the card registration customer and at least one or more kinds of card attribute information for setting card attributes for the affiliated card.

Here, the customer information is personal information of the card registered customer (for example, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.), and the customer has subscribed to the affiliate server 100. It is preferable to include at least one member information (eg, member ID information).

In addition, the customer wireless terminal information is unique information of the customer wireless terminal equipped with a wireless IC chip capable of recording a card applet (or IC chip storage information) (for example, wireless terminal telephone number, address information, or identification information, Or ID information, etc.), and a card applet corresponding to the affiliate card with a wireless terminal corresponding to the customer wireless terminal information for issuing a predetermined affiliate card through the card number rental. Or IC chip storage information).

Further, the card attribute information for the affiliate card may be assigned to a credit card attribute, a check card attribute, a debit card attribute, a cash card attribute, or a prepaid card firing. It is preferable to include at least one or more attribute setting information to be provided.

For example, when assigning a credit card attribute to the affiliate card, the card attribute information may include credit inquiry consent information for issuing the affiliate card, and assigns a check card / debit card / cash card attribute to the affiliate card. In the case of granting, the card attribute information may include customer account information associated with the affiliate card. When the prepaid card attribute is assigned to the affiliate card, the card attribute information may be set to the affiliate card. It may include a prepaid card charging information for charging.

According to another embodiment of the present invention, when the card attribute is fixed by the card issuing affiliate (or card issuing authority) or is set in a policy, the card attribute information may be omitted, thereby limiting the present invention. Not.

Thereafter, the server receives and reads the card registration request information from the terminal through the network means and issues the affiliated card through leasing the card number to the customer based on the customer information included in the card registration request information. The card registration validity for issuing the affiliate card is verified (1210).

According to the implementation method of the present invention, the validity confirmation for issuing the alliance card to the customer, based on the customer name and resident registration number included in the customer information, a predetermined real name verification server (not shown) It is preferable to include a) to confirm the real name of the customer in conjunction with).

In addition, when the affiliated card includes a credit card attribute, the validity check for issuing the affiliated card to the customer is based on a predetermined communication means based on the customer information. It is preferable to include the check the credit information of the customer in conjunction with).

In addition, when the affiliate card includes a check card / debit card attribute, the validity check for issuing the affiliate card to the customer is performed based on the customer information. It is preferable that the customer account associated with the card is formed in connection with a financial institution server (not shown) opened and confirming whether the customer account is opened and normally operated.

In addition, validity confirmation for issuing the alliance card to the customer includes subscriber management means (for example, subscriber information D / B (not shown) and subscription management server (not shown)) on the wireless communication network corresponding to the customer wireless terminal information. Etc.), it is preferable to include checking whether the customer wireless terminal information is valid.

If the validity to issue the affiliate card to the customer is not authenticated through the card registration application information (1215), the server provides card registration error information to the customer through the card registration interface (1220). Stop issuing the affiliate card to the customer.

On the other hand, if the validity to issue the affiliate card to the customer is authenticated through the card registration application information (1215), the server stores at least one rental card number based on the card registration application information lease card number The rental card number to be assigned to the affiliate card is extracted from the D / B 1160 and assigned to the affiliate card number (1225).

Thereafter, the server transmits the affiliate card number to the card company server 110 that has leased the lease card number through the communication means, and then a verification value (or verification code) corresponding to the affiliate card number to the card company server 110. Request a card verification value (or verification code) corresponding to the affiliate card number from the card company server 110 (or 1230), and the affiliate card number and card verification value (or verification code). Predetermined affiliate card information is generated (1235).

Here, the affiliated card information may include a card number (eg, 16-digit card number) corresponding to the affiliated card, the received card verification value (or verification code), expiration date information (some may be omitted), and card issuer information ( Or code).

For example, the card number (although some exceptions exist) preferably includes a four-digit card issuing organization number, a two-digit card type number, a nine-digit serial number, and a check digit.

The expiration date information is preferably made to include the period (or expiration date and time) that can be used for the affiliate card, it may be omitted if the expiration date does not exist in the affiliate card, thereby the present invention is not limited .

The card issuing organization information (or code) preferably comprises at least one or more unique numbers (or unique codes) assigned to the card issuing organization (or financial company) that issues the affiliate card to the customer.

Thereafter, the server sets usage amount information including a predetermined limit amount assigned to the affiliate card by the card issuing affiliate institution and approval target information for each limit on the utilization amount (1240).

According to the implementation method of the present invention, the server preferably sets a certain amount of money to be used by the card issuing affiliate to the affiliated card according to the utilization policy of the card issuing affiliate.

Alternatively, the server may set the predetermined amount in consideration of the customer grade set by the card issuing affiliate institution or the loyalty of the customer to the card issuing affiliate institution based on the customer information included in the card registration application information. It is preferable that the card issuance affiliated institution set the usage amount to be assigned to the affiliated card.

Alternatively, the server checks the credit rating of the customer in connection with at least one credit rating server (not shown) based on the customer information included in the card registration application information, and then, the server determines a predetermined amount of money corresponding to the credit rating. It is preferable that the card issuance affiliated institution set the usage amount to be assigned to the affiliated card.

Alternatively, the server checks the account balance of the customer in connection with at least one financial company server (not shown) based on the customer information included in the card registration application information, and then sets a predetermined amount of money corresponding to the account balance. It is preferable that the card issuance affiliated institution set the usage amount to be assigned to the affiliated card.

Or, the server requests the credit limit amount information of the customer to the card company server 110 provided in the card issuing agency based on the customer information included in the card registration application information, and the credit limit amount to be confirmed It is preferable to set the corresponding fixed amount of money to the utilization amount that the card issuing affiliate institution gives to the affiliate card.

Those skilled in the art to which the present invention pertains, in addition to the usage setting method described above, it is possible to infer various implementation methods in which the card issuing affiliate institution gives a predetermined usage amount to the affiliate card. It is preferable that the invention includes all the methods of inferring the above.

According to an exemplary embodiment of the present invention, the server sets approval target information for each limit including at least one or more affiliate store information (or affiliate store group information) to be processed for payment through the set utilization amount, and / or the set Set per-approval authorization information that includes at least one one-time payment amount, or at least one daily / weekly / monthly payment amount through a usage amount; and / or the affiliate card processes payment through an online payment channel. Set the approval target information for each limit to allow the payment amount to be processed through the utilization amount or to process the payment amount through the utilization amount when the payment is processed through the offline payment channel. It is desirable to.

According to another exemplary embodiment of the present invention, the approval target information for each limit may include information for first subtracting the payment amount through the affiliate card from the usage amount regardless of the payment condition corresponding to the affiliate card. It is possible, and the invention is not limited thereby.

If the utilization amount information for the affiliate card and the authorization target information for each limit on the utilization amount are set (1245), the server provides a predetermined card applet including the generated (or extracted) affiliate card information ( Or IC chip storage information) (1250), and the generated card applet (or IC chip storage information) to the customer wireless terminal through a wireless communication network corresponding to the customer wireless terminal information included in the card registration application information. Transmit (1255).

Here, the card applet (or IC chip storage information) preferably includes a file structure recorded on a wireless IC chip provided in the customer wireless terminal and operable on a chip operating system (COS) on the wireless IC chip.

According to an embodiment of the present invention, the server reads the customer wireless terminal information included in the card registration request information to identify a wireless communication network corresponding to the customer wireless terminal information, and a predetermined applet providing server connected to the wireless communication network. It is preferable to transmit the generated card applet (or IC chip storage information) to the customer wireless terminal through the 1155.

Those skilled in the art to which the present invention belongs, various methods of transmitting the card applet (or IC chip storage information) from the applet providing server 1155 to the customer wireless terminal (for example, wireless messages and The card applet (or IC chip storage information) transmission using the callback URL) may be inferred, but the present invention is characterized by including all implementation methods inferred.

Thereafter, the customer wireless terminal records the received card applet (or IC chip storage information) on a wireless IC chip provided in the corresponding wireless terminal, thereby issuing an affiliate card corresponding to the card applet (or IC chip storage information). (1260).

Thereafter, the server issuing an affiliate card including at least one of customer information included in the card registration application information provided from the customer through the card registration interface, the generated affiliate card information, and card attribute information of the affiliate card. Information is stored in the storage medium 1165 (1265).

Here, the customer information included in the affiliated card issuance information includes personal information of the card registered customer (for example, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.), and the customer It is preferable to include at least one member information (for example, member ID information) subscribed to the affiliate server 100.

In addition, the card attribute information included in the affiliate card issuance information may be assigned to a credit card attribute, a check card attribute, a debit card attribute, a cash card attribute, or prepaid. At least one attribute setting information for imparting card firing is preferably included.

For example, when assigning a credit card attribute to the affiliate card, the card attribute information includes various attribute information (eg, credit limit, etc.) for use in payment through a credit card payment system for issuing the affiliate card. When the check card / debit card / cash card attribute is given to the affiliate card, the card attribute information may include customer account information associated with the affiliate card, and the prepaid card attribute is added to the affiliate card. In the case of granting, the card attribute information may include information on the amount of charge charged in the affiliate card.

Those skilled in the art will be able to infer various technical configurations of the card attribute information, so a detailed description thereof will be omitted.

In addition, the utilization amount information for the affiliated card is preferably made to include a predetermined amount of the limit given to the affiliated card by the card issuing affiliated institution, and then a part (or all) of the utilization amount is the card. It is preferable to deposit in the form of a customer allowance from the issuing affiliate institution to the card issuer.

According to an exemplary embodiment of the present invention, the approval target information for each limit includes at least one merchant information (or merchant group information), payment amount information, online / offline payment channel information, etc. to be paid and processed through the utilization amount. It is preferable to comprise at least one or more.

According to another exemplary embodiment of the present invention, the approval target information for each limit may include information for first subtracting the payment amount through the affiliate card from the usage amount regardless of the payment condition corresponding to the affiliate card. It is possible, and the invention is not limited thereby.

Thereafter, the server issues the at least one affiliate card including at least one of customer information corresponding to the affiliate card, card information, and card attribute information to the card company server 110 through the communication means. In operation 1270, the card company server 110 stores the affiliate card operation information further including the card issuing affiliate information in the affiliate card issuing information in a predetermined card information D / B 1190 ( 1275).

In addition, the card company server 110 sets predetermined credit limit amount information for the affiliated card and approval target information for each limit on the card limit amount (1280).

According to an embodiment of the present invention, when the affiliate card includes a credit card attribute, the card company server 110 checks the credit rating of the customer who is issued the affiliate card, and then predetermined credit limit corresponding to the customer credit rating. It is preferable to set the amount of money to the card limit amount of money.

According to another embodiment of the present invention, when the affiliate card includes a check card / debit card attribute, the card company server 110 checks the customer account associated with the affiliate card, and stores the customer account balance on the card. It is preferable to set the limit amount.

In addition, the card company server 110 sets the permissible information for each limit including at least one or more merchant information (or merchant group information) to be settled through the set credit limit amount, and / or the set credit limit. Setting a per-approval target information that includes at least one payment amount per day or at least one daily / weekly / monthly payment amount, and / or when the affiliate card is processed through an online payment channel. It is recommended to set the subject-specific authorization information to allow the payment amount to be processed through the card limit amount or to process the payment amount through the card limit amount when the payment amount is processed through the offline payment channel. desirable.

According to another exemplary embodiment of the present invention, the card company server 110 allows the approval target information for each limit to be first subtracted from the card limit amount of the payment amount through the affiliate card regardless of the payment condition corresponding to the affiliate card. Or, it may be made to include information to first subtract from the usage amount registered in the affiliate server 100, whereby the present invention is not limited.

If the predetermined card limit amount information for the affiliated card and the approval target information for each limit on the card limit amount are set (1285), the card company server 110 may determine the card limit amount information and the card limit amount. The authorization target information for each limit is included in the affiliated card operation information and stored in the card information D / B 1190 (1290).

According to an embodiment of the present invention, the card information D / B 1190 is preferably provided in a DBMS on a predetermined financial system provided in the card issuing institution (or associated with the card issuing institution). The card information D / B 1190 may be a ledger D / B provided in a DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, whereby the present invention is not limited thereto. No.

According to another exemplary embodiment of the present invention, the card information D / B 1190 is an online payment system, and / or a WAP-based wireless payment system, and / or an IC chip provided in (or associated with) the card issuer. It is possible to be provided in the DBMS on at least one or more of the base wireless payment system, and / or the tele payment system, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the card information D / B 1190 is an internet banking system, and / or a telebanking system, and / or a wireless banking system provided (or associated with) the card issuing institution. It is possible to be provided in the DBMS on at least one banking system of, and / or a TV banking system, whereby the present invention is not limited.

Thereafter, the card company server 110 transmits the set card limit amount information and the authorization target information for each limit on the card limit amount to the server through the communication means (1295). The affiliated card issuance information stored in the medium 1165 further includes the card limit amount information and the authorization target information for each limit on the card limit amount (1299).

FIG. 13 is a diagram illustrating a card registration process for issuing an affiliate card by renting a card number according to another exemplary embodiment of the present invention.

In more detail, FIG. 13 shows a non-face-to-face card registration interface (eg, client terminal and network means including at least one of a wired terminal and / or a wireless terminal) in which a predetermined customer in the card registration system shown in FIG. When accessing the affiliate server 100 through the input (or select) the predetermined card registration application information and transmits, the affiliate server 100 leases the card number to the customer based on the card registration application information As a process of issuing a predetermined affiliate card through the above, specifically, it illustrates a method of implementing a lease card number D / B 1160 that stores the lease card number in the card issuing affiliated institution.

Those of ordinary skill in the art to which the present invention pertains can deduce various implementation methods for issuing the alliance card for issuance of the alliance card by leasing the card number by referring to and / or modifying the drawing 13. However, the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

For example, FIG. 13 illustrates that the affiliated card is produced and provided (or delivered) to the customer, and then the affiliated card issuance information is stored in the storage medium 1165. The process of storing the predetermined affiliate card issuance information in the storage medium 1165 may be performed before the affiliate card is produced or before the affiliate card is produced (or delivered) to the customer. The present invention is not limited.

Hereinafter, in FIG. 13, the card registration terminal shown in FIG. 11 is referred to as a "terminal" for convenience, and the affiliate server 100 is referred to as a "server" for convenience.

Referring to FIG. 13, the customer accesses the server through a predetermined terminal to connect a communication channel for card registration application, and the affiliate card for issuing an affiliate card through leasing the card number through the communication channel. The application is issued (1300), and correspondingly, the server generates (or extracts) a user interface for issuing the affiliate card and provides the terminal to the terminal through the communication channel (1305).

Thereafter, the terminal receives (or selects) the card registration application information through the user interface and transmits the input (or selected) card registration application information to the server through the communication channel (1310).

According to an embodiment of the present invention, the card registration application information includes customer information of the card registration customer and at least one or more kinds of card attribute information for setting card attributes for the affiliated card.

Here, the customer information is personal information of the card registered customer (for example, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.), and the customer has subscribed to the affiliate server 100. It is preferable to include at least one member information (eg, member ID information).

In addition, the customer wireless terminal information is unique information of the customer wireless terminal equipped with a wireless IC chip capable of recording a card applet (or IC chip storage information) (for example, wireless terminal telephone number, address information, or identification information, Or at least one of ID information, etc.), and a card applet corresponding to the affiliate card by a wireless terminal corresponding to the customer wireless terminal information for issuing a predetermined affiliate card through the card number rental. Or IC chip storage information).

Further, the card attribute information for the affiliate card may be assigned to a credit card attribute, a check card attribute, a debit card attribute, a cash card attribute, or a prepaid card firing. It is preferable that the at least one attribute setting information for granting a.

For example, when assigning a credit card attribute to the affiliate card, the card attribute information may include credit inquiry consent information for issuing the affiliate card, and assigns a check card / debit card / cash card attribute to the affiliate card. In the case of granting, the card attribute information may include customer account information associated with the affiliate card. When the prepaid card attribute is assigned to the affiliate card, the card attribute information may be set to the affiliate card. It may include a prepaid card charging information for charging.

According to another embodiment of the present invention, when the card attribute is fixed by the card issuing affiliate (or card issuing authority) or is set in a policy, the card attribute information may be omitted, thereby limiting the present invention. Not.

Thereafter, the server receives and reads the card registration request information from the terminal through the network means and issues the affiliated card through leasing the card number to the customer based on the customer information included in the card registration request information. The card registration validity for issuing the affiliate card is verified (1315).

According to the implementation method of the present invention, the validity confirmation for issuing the alliance card to the customer, based on the customer name and resident registration number included in the customer information, a predetermined real name verification server (not shown) It is preferable to include a) to confirm the real name of the customer in conjunction with).

In addition, when the affiliated card includes a credit card attribute, the validity check for issuing the affiliated card to the customer is based on a predetermined communication means based on the customer information. It is preferable to include the check the credit information of the customer in conjunction with).

In addition, when the affiliate card includes a check card / debit card attribute, the validity check for issuing the affiliate card to the customer is performed based on the customer information. It is preferable that the customer account associated with the card is formed in connection with a financial institution server (not shown) opened and confirming whether the customer account is opened and normally operated.

In addition, validity confirmation for issuing the alliance card to the customer includes subscriber management means (for example, subscriber information D / B (not shown) and subscription management server (not shown)) on the wireless communication network corresponding to the customer wireless terminal information. Etc.), it is preferable to include checking whether the customer wireless terminal information is valid.

If the validity to issue the affiliate card to the customer is not authenticated through the card registration application information (1320), the server provides card registration error information to the customer through the card registration interface (1325). Stop issuing the affiliate card to the customer.

On the other hand, if the validity to issue the affiliate card to the customer is authenticated through the card registration application information (1320), the server stores at least one rental card number based on the card registration application information lease card number The lease card number to be allocated to the affiliate card is extracted from the D / B 1160 and assigned to the affiliate card number (1330).

Thereafter, the server transmits the affiliate card number to the card company server 110 that has leased the lease card number through the communication means, and then a verification value (or verification code) corresponding to the affiliate card number to the card company server 110. ), And in response thereto receives a card verification value (or verification code) corresponding to the affiliate card number from the card company server 110 (1335), and the affiliate card number and card verification value (or verification code). Predetermined affiliate card information is included (1340).

Here, the affiliated card information includes a card number (eg, 16-digit card number) corresponding to the affiliated card, the received card verification value (or verification code), expiration date information (some may be omitted), and card issuer information. Or at least one or more code.

For example, the card number (although some exceptions exist) preferably includes a four-digit card issuing organization number, a two-digit card type number, a nine-digit serial number, and a check digit.

The expiration date information is preferably made to include the period (or expiration date and time) that can be used for the affiliate card, it may be omitted if the expiration date does not exist in the affiliate card, thereby the present invention is not limited .

The card issuing organization information (or code) preferably comprises at least one or more unique numbers (or unique codes) assigned to the card issuing organization (or financial company) that issues the affiliate card to the customer.

Thereafter, the server sets usage amount information including a predetermined limit amount assigned to the affiliate card by the card issuing affiliate institution and approval target information for each limit on the usage amount (1345).

According to the implementation method of the present invention, the server preferably sets a certain amount of money according to the usage limit policy of the card issuing affiliate to the amount of money used by the card issuing affiliate.

Alternatively, the server may set the predetermined amount in consideration of the customer grade set by the card issuing affiliate institution or the loyalty of the customer to the card issuing affiliate institution based on the customer information included in the card registration application information. It is preferable that the card issuance affiliated institution set the usage amount to be assigned to the affiliated card.

Alternatively, the server checks the credit rating of the customer in connection with at least one credit rating server (not shown) based on the customer information included in the card registration application information, and then, the server determines a predetermined amount of money corresponding to the credit rating. It is preferable that the card issuance affiliated institution set the usage amount to be assigned to the affiliated card.

Alternatively, the server checks the account balance of the customer in connection with at least one financial company server (not shown) based on the customer information included in the card registration application information, and then sets a predetermined amount of money corresponding to the account balance. It is preferable that the card issuance affiliated institution set the usage amount to be assigned to the affiliated card.

Or, the server requests the credit limit amount information of the customer to the card company server 110 provided in the card issuing agency based on the customer information included in the card registration application information, and the credit limit amount to be confirmed It is preferable to set the corresponding fixed amount of money to the utilization amount that the card issuing affiliate institution gives to the affiliate card.

Those skilled in the art to which the present invention pertains, in addition to the usage setting method described above, it is possible to infer various implementation methods in which the card issuing affiliate institution gives a predetermined usage amount to the affiliate card. It is preferable that the invention includes all the methods of inferring the above.

According to an exemplary embodiment of the present invention, the server sets approval target information for each limit including at least one or more affiliate store information (or affiliate store group information) to be processed for payment through the set utilization amount, and / or the set Set per-approval authorization information that includes at least one one-time payment amount, or at least one daily / weekly / monthly payment amount through a usage amount; and / or the affiliate card processes payment through an online payment channel. Set the approval target information for each limit to allow the payment amount to be processed through the utilization amount or to process the payment amount through the utilization amount when the payment is processed through the offline payment channel. It is desirable to.

According to another exemplary embodiment of the present invention, the approval target information for each limit includes information for first subtracting the payment amount through the affiliate card from the utilization amount regardless of the payment condition corresponding to the partnership card. It is possible that the present invention is not limited thereby.

If the utilization amount information for the affiliate card and the authorization target information for each limit on the utilization amount are set (1350), the server may include a predetermined card applet including the generated (or extracted) affiliate card information ( Or IC chip storage information) (1355), and the generated card applet (or IC chip storage information) is transferred to the customer wireless terminal through a wireless communication network corresponding to the customer wireless terminal information included in the card registration application information. Send (1360).

Here, the card applet (or IC chip storage information) preferably includes a file structure recorded on a wireless IC chip provided in the customer wireless terminal and operable on a chip operating system (COS) on the wireless IC chip.

According to an embodiment of the present invention, the server reads the customer wireless terminal information included in the card registration request information to identify a wireless communication network corresponding to the customer wireless terminal information, and a predetermined applet providing server connected to the wireless communication network. It is preferable to transmit the generated card applet (or IC chip storage information) to the customer wireless terminal through the 1155.

Those skilled in the art to which the present invention belongs, various methods of transmitting the card applet (or IC chip storage information) from the applet providing server 1155 to the customer wireless terminal (for example, wireless messages and The card applet (or IC chip storage information) transmission using the callback URL) may be inferred, but the present invention is characterized by including all implementation methods inferred.

Thereafter, the customer wireless terminal records the received card applet (or IC chip storage information) on a wireless IC chip provided in the corresponding wireless terminal, thereby issuing an affiliate card corresponding to the card applet (or IC chip storage information). (1365).

Thereafter, the server issuing an affiliate card including at least one of customer information included in the card registration application information provided from the customer through the card registration interface, the generated affiliate card information, and card attribute information of the affiliate card. Information is stored in the storage medium 1165 (1370).

Here, the customer information included in the affiliated card issuance information includes personal information of the card registered customer (for example, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.), and the customer It is preferable to include at least one member information (for example, member ID information) subscribed to the affiliate server 100.

In addition, the card attribute information included in the affiliate card issuance information may be assigned to a credit card attribute, a check card attribute, a debit card attribute, a cash card attribute, or prepaid. At least one attribute setting information for imparting card firing is preferably included.

For example, when assigning a credit card attribute to the affiliate card, the card attribute information includes various attribute information (eg, credit limit, etc.) for use in payment through a credit card payment system for issuing the affiliate card. When the check card / debit card / cash card attribute is given to the affiliate card, the card attribute information may include customer account information associated with the affiliate card, and the prepaid card attribute is added to the affiliate card. In the case of granting, the card attribute information may include information on the amount of charge charged in the affiliate card.

Those skilled in the art will be able to infer various technical configurations of the card attribute information, so a detailed description thereof will be omitted.

In addition, the utilization amount information for the affiliated card is preferably made to include a predetermined amount of the limit given to the affiliated card in the card issuing affiliate institution, and then a portion (or all) of the utilization amount is It is preferable to deposit in the form of a customer allowance from the card issuing affiliate institution to the card issuing institution.

According to an exemplary embodiment of the present invention, the approval target information for each limit includes at least one merchant information (or merchant group information), payment amount information, online / offline payment channel information, etc. to be paid and processed through the utilization amount. It is preferable to comprise at least one or more.

According to another exemplary embodiment of the present invention, the approval target information for each limit may include information for first subtracting the payment amount through the affiliate card from the usage amount regardless of the payment condition corresponding to the affiliate card. It is possible, and the invention is not limited thereby.

Thereafter, the server issues the at least one affiliate card including at least one of customer information corresponding to the affiliate card, card information, and card attribute information to the card company server 110 through the communication means. In operation 1375, the card company server 110 stores the affiliate card operation information, which further includes the card issuing affiliate information, in the predetermined card information D / B 1190. 1380).

In addition, the card company server 110 sets predetermined card limit amount information on the affiliate card and approval target information for each limit on the card limit amount (1385).

According to an embodiment of the present invention, when the affiliate card includes a credit card attribute, the card company server 110 checks the credit rating of the customer who is issued the affiliate card, and then predetermined credit limit corresponding to the customer credit rating. It is preferable to set the amount of money to the card limit amount of money.

According to another embodiment of the present invention, when the affiliate card includes a check card / debit card attribute, the card company server 110 checks the customer account associated with the affiliate card, and stores the customer account balance on the card. It is preferable to set the limit amount.

In addition, the card company server 110 sets the permissible information for each limit including at least one or more merchant information (or merchant group information) to be settled through the set credit limit amount, and / or the set credit limit. Setting a per-approval target information that includes at least one payment amount per day or at least one daily / weekly / monthly payment amount, and / or when the affiliate card is processed through an online payment channel. It is recommended to set the subject-specific authorization information to allow the payment amount to be processed through the card limit amount or to process the payment amount through the card limit amount when the payment amount is processed through the offline payment channel. desirable.

According to another exemplary embodiment of the present invention, the card company server 110 allows the approval target information for each limit to be first subtracted from the card limit amount of the payment amount through the affiliate card regardless of the payment condition corresponding to the affiliate card. Or, it may be made to include information to first subtract from the usage amount registered in the affiliate server 100, whereby the present invention is not limited.

If the predetermined card limit amount information for the affiliated card and the approval target information for each limit on the card limit amount are set (1390), the card company server 110 may determine the card limit amount information and the card limit amount. The authorization target information for each limit is included in the affiliated card operation information and stored in the card information D / B 1190 (1395).

According to an embodiment of the present invention, the card information D / B 1190 is preferably provided in a DBMS on a predetermined financial system provided in the card issuing institution (or associated with the card issuing institution). The card information D / B 1190 may be a ledger D / B provided in a DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, whereby the present invention is not limited thereto. No.

According to another exemplary embodiment of the present invention, the card information D / B 1190 is an online payment system, and / or a WAP-based wireless payment system, and / or an IC chip provided in (or associated with) the card issuer. It is possible to be provided in the DBMS on at least one or more of the base wireless payment system, and / or the tele payment system, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the card information D / B 1190 is an internet banking system, and / or a telebanking system, and / or a wireless banking system provided (or associated with) the card issuing institution. It is possible to be provided in the DBMS on at least one banking system of, and / or a TV banking system, whereby the present invention is not limited.

Thereafter, the card company server 110 transmits the set card limit amount information and the authorization target information for each limit on the card limit amount to the server through the communication means (1397). The affiliated card issuance information stored in the medium 1165 further includes the card limit amount information and the authorization target information for each limit on the card limit amount (1399).

FIG. 14 is a diagram illustrating a card registration system for issuing an affiliate card in the form of a card applet (or IC chip storage information) through a batch lease of card numbers according to another exemplary embodiment of the present invention.

More specifically, FIG. 14 shows a card issuing affiliated institution by a customer who owns a wireless terminal equipped with a predetermined wireless IC chip (for example, a financial IC chip or a USIM (Universal Subscriber Identity Module)) through a predetermined card registration interface. By providing card registration application information for issuing an affiliate card through a predetermined card number lease, the card issuing affiliated agency provides a wireless IC chip provided to the customer to the customer based on the provided card registration application information. A system configuration for issuing an affiliate card in the form of a card applet (or IC chip storage information), specifically, a rental card number D / B 1485 for storing the rental card number is provided in the card issuing institution. The method is shown.

Those skilled in the art to which the present invention pertains can refer to and / or modify this drawing 14 to infer various implementation methods for the configuration of a card registration system for issuing an affiliated card through leasing the card number. However, the present invention includes all the implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

Hereinafter, the card applet (or IC chip) is a wireless IC chip provided in the customer wireless terminal based on the card registration application information provided from the customer through a predetermined card registration interface on the card registration system shown in FIG. At least one means for issuing an affiliated card in the form of stored information) and / or a component corresponding to a functional configuration is referred to as a “partner server 100” for convenience, and the card issuing affiliated agency provided with the affiliated server 100 It is preferable to include at least one of a mobile communication company, various wireless communication companies, various wire communication companies, portal operators and the like, which are affiliated with the card issuing organization.

Referring to FIG. 14 according to an embodiment of the present invention, a card registration system for issuing an affiliate card through leasing the card number may be used by an employee of an affiliated employee provided in at least one card issuer (or financial institution). And / or a client terminal including at least one wired terminal and / or a wireless terminal used by the customer when the card registration system supports a non-face-to-face card registration application. Characterized in that the employee terminal and / or client terminal is connected to the communication channel and the affiliate server 100 provided in the card issuing affiliate institution through a predetermined network means.

According to one embodiment of the present invention, the customer visits the card issuing agency to issue an affiliate card through the card number leasing and through the window provided at the card issuing institution (or through an affiliated employee). Fill out a predetermined card registration application for issuing an affiliate card through lease (e.g., a document with a form for filling in at least one information item for issuing an affiliate card through lease of the card number) and / or the affiliate An employee visits the customer and asks the customer to fill out a predetermined card registration application for issuing an affiliate card through leasing the card number), and submits the completed card registration application to the affiliated employee. Enter (or select) the information provided on the card registration application through the employee's terminal The employee terminal preferably transmits the input (or selected) information to the affiliate server 100 provided in the card issuing affiliate institution through the network means.

Here, preferably, the employee terminal includes an employee terminal used by an affiliated employee provided in the card issuing institution, and the affiliate server 100 connected to the employee terminal is the card issuing institution (or financial institution, or the And a server provided on a card issuing agency affiliated with a card issuing institution, wherein the network means for connecting the employee terminal and the affiliate server 100 is between the employee terminal and the affiliate server 100. It is preferable to include a communication network connecting the communication channel.

In the card registration system as described above, the card registration application created by the customer, the employee terminal used by the affiliated employee and the financial network connecting the employee terminal and the affiliated server 100, the customer rents the card number. It performs a function of a card registration interface for registering card registration application information for issuing an affiliate card through.

According to another exemplary embodiment of the present invention, when the card registration system supports a non-face-to-face card registration application, the customer is selected from a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network. Access the affiliate server 100 through at least one client terminal and input card registration application information for issuing an affiliate card through lease of the card number through at least one user interface provided by the affiliate server 100. (Or optional), the client terminal preferably transmits through the predetermined network means to the affiliate server 100 provided in the card issuing affiliate institution.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices connected to a TCP / IP based communication network, and a desktop computer and / or a notebook 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.

In addition, the wireless terminal connected to the wireless communication network is all terminal devices connected to a code division multiple access (CDMA) based mobile communication network, and / or all terminal devices connected to a high speed downlink packet access (HSDPA) based wireless communication network, and / Or all terminal devices connected to the IEEE 802.16x based mobile Internet, and / or all terminal devices connected to Motorola's DataTAC method and / or Erricson's Mobitex type wireless data communication network, and are personal communications connected to the CDMA based mobile communication network. Terminal (Personal Communication System; PCS) and / or Global System for Mobile communications (GSM) terminals and / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or personal information terminals (Personal Digital Assistant; PDA) and / or Smart Phone and / or Telematics, or High Speed Do at least one wireless communication terminal connected to a wireless communication network based on a wnlink packet access), a portable internet terminal connected to the IEEE 802.16x based mobile Internet, or a wireless data communication terminal connected to the DataTAC / Mobitex based wireless data communication network. It is preferable to make.

The client terminal may output at least one user interface provided by the affiliate server 100, input and / or select at least one information through the user interface, and transmit the same to the affiliate server 100. It is preferable that a function configuration (e.g., a browser program and a communication function, or a predetermined communication program and a communication function to communicate with the affiliate server 100) 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 and / or wireless terminals, and thus a detailed description thereof will be omitted for convenience. .

In the card registration system as described above, a client terminal including at least one wired terminal and / or a wireless terminal used by the customer, at least one wired communication network connecting the client terminal and the affiliate server 100 and / or Alternatively, the wireless communication network performs a function of a card registration interface for registering the card registration application information for the customer to issue an affiliated card through leasing the card number.

According to another embodiment of the present invention, when the card registration system supports a non-face-to-face card registration application, the card registration terminal, in addition to the employee terminal and / or client terminal, a predetermined financial network (eg, 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 a terminal) provided in at least one or more organizations affiliated with the card issuing organization, and / or further comprising a predetermined call terminal (not shown) connected to the card issuing organization. Bourbon) (which may further include a not illustrated), to which the present invention is not limited.

In the case of supporting a non-face-to-face card registration application as described above, when the card registration terminal is the financial automatic device (not shown), the financial automatic device (not shown) and the financial automatic device (not shown) And a financial network connecting the affiliate server 100 performs a function of a card registration interface for registering the card registration application information for the customer to issue an affiliate card through the lease of the card number, and / or the card registration. When the terminal is the call terminal (not shown), the wired telephone network and / or the wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the affiliate server 100 may be used by the customer. Performs a function of a card registration interface for registering card registration application information for issuing an affiliate card through number rental, and / or the card registration terminal In the case of a terminal (and / or server) (not shown) provided in an institution affiliated with the card issuing organization, the terminal (and / or server) (not shown) and the terminal (and / or server) (not shown) Network connecting the affiliate server 100 performs a function of a card registration interface for registering the card registration application information for issuing an affiliate card through the card number rental.

According to an embodiment of the present invention, the rental card number D / B 1485 provided to the card issuing organization is leased so that the card issuing institution is allocated to at least one or more affiliate cards registered through the card issuing affiliated institution. It is preferable to include one or more card numbers, it is preferable that the card issuance further comprises a card issuing affiliated information to lease the rental card number.

Here, the rental card number, including all 16-digit card number, or the nine-digit serial number of the 16-digit card number (for example, the first four digits corresponding to the card issuing agency number and corresponding to the card type number) The next 2 digits and the remaining 9 digit serial number except the last 1 digit corresponding to the check digit), preferably including a predetermined number area, and according to the intention of the person skilled in the art In addition, it may include a rental card number that follows the other card number system.

In addition, the card issuing affiliate information is information for identifying at least one or more card issuing affiliate institutions to lease at least one or more card numbers in the card issuing authority, the card issuing affiliate institution to lease at least one or more card numbers In this case, it is possible to omit and the present invention is not limited thereby.

The storage medium 1460 included in the card issuing affiliated institution issues a predetermined alliance card to the customer based on the card registration application information provided from the card registration terminal, and then the customer information according to the issuance of the alliance card. And affiliated card issuance information including at least one affiliated card information and card attribute information, wherein the affiliated card issuance information stored in the storage medium 1460 is for leasing the card number from a card issuing affiliated institution. It is used to provide affiliate card related services through.

According to another exemplary embodiment of the present invention, the storage medium 1460 is connected to a predetermined DBMS interoperating with a server (or device) that performs a predetermined information processing function using the affiliated card issuing information at the card issuing affiliated institution. In this case, the storage medium 1460 may be provided at various positions according to the intention of those skilled in the art, and the present invention is not limited thereto.

The affiliate server 100 provided in the card issuing affiliate institution is a generic term for the card issuing affiliate institution component connected to the card registration terminal 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 affiliate server 100 is provided with an interface unit 1400 (or interface means) for providing a predetermined card registration interface to the card registration terminal through the network means. do.

When the card registration terminal is an employee terminal connected to a predetermined financial network according to an exemplary embodiment of the present invention, the interface unit 1400 communicates with the employee terminal based on a protocol stack defined in the financial network. It is preferable to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in the card registration application program provided in the employee terminal.

According to another embodiment of the present invention, when the card registration terminal is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 1400 is based on the protocol stack defined in the wired communication 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 a browser program corresponding to a Hyper-Text Transfer Protocol (HTTP) protocol is provided in the client terminal, the interface unit 1400 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 a predetermined card registration application program provided by the affiliate server 100 is provided in the client terminal, the interface unit 1400 connects a communication channel with the client terminal based on the TCP / IP protocol. It 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 registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 1400 is based on a protocol stack defined in the wireless communication network. It is preferable to connect a predetermined communication channel with the client terminal, and to provide a communication interface for transmitting and receiving at least one or more 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 1400 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 registration application program provided by the affiliate server 100, the interface unit 1400 connects a communication channel with the client terminal based on the CDMA protocol, and the communication program Provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in.

Referring to FIG. 14, the affiliate server 100 is connected with the interface unit 1400 when a predetermined card registration terminal is connected to the affiliate server 100 through the interface unit 1400. An interface providing unit 1405 (or interface providing means) for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined card registration application information to the card registration terminal; An information receiving unit 1410 (or information receiving means) for receiving predetermined card registration application information inputted (or selected) and transmitted from the card registration terminal through the user interface in association with the interface unit 1400; Validation unit 1415 (or validity) for checking the validity of issuing the affiliate card to the customer based on the registered card registration application information Sex authentication means), and through the communication means to access the rental card number D / B (1485) provided in the card issuing agency to obtain a predetermined lease card number of the at least one lease card number to register the affiliated card A card number assignment unit 1425 (or card number assignment means) for allocating a predetermined affiliate card number to the card information generation unit 1430 for generating predetermined affiliate card information including the affiliate card number. Information generation means) and a usage setting unit 1435 (or usage degree) for setting a usage amount assigned to the customer by the card issuing affiliated institution and an approval object for each limit on the usage amount corresponding to the affiliated card. Setting means), an applet generating unit 1440 (or applet generating means) for generating a predetermined card applet (or IC chip storage information) including the association card information; A card issuing unit 1450 for issuing the alliance card by providing the card applet (or IC chip storage information) to the customer wireless terminal through a wireless communication network so as to record the information on the wireless IC chip provided in the customer wireless terminal. Or a card issuing means) and an information storage unit 1445 (or information storing means) for storing affiliated card issuance information corresponding to the affiliated card issued to the customer in the storage medium 1460. do.

In addition, the affiliate server 100 after the predetermined partnership card is issued through the card issuing unit 1450, and then through the predetermined communication means (for example, a dedicated communication network, or a secure communication network based on encrypted communication) The card company server 110 provided in the card issuing organization is characterized in that it comprises an information transmitting and receiving unit 1420 for transmitting the customer information, card information, and card attribute information corresponding to the partnership card.

In addition, the information transmitting and receiving unit 1420 is a lease card number D / B (1485) provided in the card issuing organization through the communication means for assigning a predetermined cooperation card number by the card number assignment unit 1425 ) Transmits predetermined card number request information to a DBMS (or DB server) managing the same, and receives a predetermined rental card number and provides the card number allocation unit 1425 to the card number allocating unit 1425 or the card. When the number assignment unit 1425 can access the DBMS (or DB server) managing the rental card number D / B 1485 provided in the card issuing authority through the communication means, the information transmission time unit is Transmission of the card number request information can be omitted, and the present invention is not limited thereby.

In addition, when a predetermined cooperation card number is assigned by the card number assignment unit 1425, the information transmitting and receiving unit 1420 sends the card to the card company server 110 provided in the card issuing organization through the communication means. The affiliate card number assigned by the number assignment unit 1425 is transmitted, and a card verification value (or verification code) corresponding to the affiliate card number from the card company server 110 (for example, a CVV (Card Verification) of a visa card. Value), CVC (Card Validation Code) of the master card, CID (Confidential Identifier Number or Card Identification Number) of the American Express card, and the like, and the card verification value (or verification code) in the rental card number ), The function of transmitting and receiving the card verification value (or verification code) for the affiliated card number may be omitted.

The interface providing unit 1405, when a predetermined card registration terminal is connected to the affiliate server 100 through the interface unit 1400, the card registration application information corresponding to the functional configuration provided in the card registration terminal Generate a predetermined user interface which can be input (or selected) and transmitted to the affiliate server 100 via the network means, and / or extracted from a predetermined database (not shown), and with the interface unit 1400 And providing the generated (or extracted) user interface to the card registration terminal through the network means.

Thereafter, the card registration terminal inputs (or selects) the card registration application information based on the user interface, and transmits the input (or selected) card registration application information to the affiliate server 100 through the network means. send.

When the card registration terminal is an employee terminal connected to a predetermined financial network according to an exemplary embodiment of the present invention, the interface providing unit 1405 may provide a predetermined user interface that can be provided by a card registration application program provided in the employee terminal. It is preferable to generate (or extract) and provide the created (or extracted) user interface to the employee terminal through the interface unit 1400.

According to another exemplary embodiment of the present invention, when the card registration terminal is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface providing unit 1405 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 1400.

According to another embodiment of the present invention, when the card registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 1405 is a browser program provided in the client terminal and / 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 1400.

When the information receiving unit 1410 inputs (or selects) predetermined card registration application information through the user interface from the card registration terminal and transmits the information through the network means, the card registration unit interlocks with the interface unit 1400 to register the card. And receiving the application information, and providing the received card registration application information to the validity authentication unit 1415.

According to an embodiment of the present invention, the card registration application information includes at least one or more card information of the card registration customer, customer wireless terminal information, and various card property information for setting card properties for the affiliated card. .

Here, the customer information is personal information of the card registered customer (for example, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.), and the customer has subscribed to the affiliate server 100. It is preferable to include at least one member information (eg, member ID information).

In addition, the customer wireless terminal information is unique information of the customer wireless terminal equipped with a wireless IC chip capable of recording a card applet (or IC chip storage information) (for example, wireless terminal telephone number, address information, or identification information, Or at least one of ID information, etc.), and a card applet corresponding to the affiliate card by a wireless terminal corresponding to the customer wireless terminal information for issuing a predetermined affiliate card through the card number rental. Or IC chip storage information).

Further, the card attribute information for the affiliate card may be assigned to a credit card attribute, a check card attribute, a debit card attribute, a cash card attribute, or a prepaid card firing. It is preferable to include at least one or more attribute setting information to be provided.

For example, when assigning a credit card attribute to the affiliate card, the card attribute information may include credit inquiry consent information for issuing the affiliate card, and assigns a check card / debit card / cash card attribute to the affiliate card. In the case of granting, the card attribute information may include customer account information associated with the affiliate card. When the prepaid card attribute is assigned to the affiliate card, the card attribute information may be set to the affiliate card. It may include a prepaid card charging information for charging.

According to another embodiment of the present invention, when the card attribute is fixed by the card issuing affiliate (or card issuing authority) or is set in a policy, the card attribute information may be omitted, thereby limiting the present invention. Not.

The validity authentication unit 1415 checks the validity of issuing the alliance card to the customer based on the customer information and the customer wireless terminal information included in the received card registration application information.

According to the implementation method of the present invention, the validity confirmation for issuing the alliance card to the customer, based on the customer name and resident registration number included in the customer information, a predetermined real name verification server (not shown) It is preferable to include a) to confirm the real name of the customer in conjunction with).

In addition, when the affiliated card includes a credit card attribute, the validity check for issuing the affiliated card to the customer is based on a predetermined communication means based on the customer information. It is preferable to include the check the credit information of the customer in conjunction with).

In addition, when the affiliate card includes a check card / debit card attribute, the validity check for issuing the affiliate card to the customer is performed based on the customer information. It is preferable that the customer account associated with the card is formed in connection with a financial institution server (not shown) opened and confirming whether the customer account is opened and normally operated.

In addition, validity confirmation for issuing the alliance card to the customer includes subscriber management means (for example, subscriber information D / B (not shown) and subscription management server (not shown)) on the wireless communication network corresponding to the customer wireless terminal information. Etc.), it is preferable to include checking whether the customer wireless terminal information is valid.

The card number allocating unit 1425 is provided from the rental card number D / B 1485 in association with a DBMS (or DB server) provided in the card issuing organization based on the card registration application information through the communication means. Identifying (or receiving) a predetermined lease card number to be assigned to the affiliated card, generating (or extracting) a predetermined affiliate card number including the lease card number, and assigning to the affiliated card.

According to an embodiment of the present invention, when the lease card number D / B 1485 is provided with a 16-digit lease card number, the card number allocator 1425 is a predetermined lease card number among the lease card numbers. It is preferable to extract by the affiliate card number.

According to another embodiment of the present invention, when the rental card number D / B 1485 is provided with a rental card number including a 9-digit serial number of the 16-digit card number, the card number assignment unit 1425 is It is preferable to generate a predetermined affiliate card number including a rental card number, a card issuing agency information number, a card type number, and a check digit corresponding to the nine-digit serial number.

If the person having ordinary knowledge in the technical field to which the present invention belongs, if the lease card number follows a card number system other than the 16-digit card number, the lease card number to the affiliated card number according to the card number system Various implementation methods may be inferred, and the present invention is characterized by including all implementation methods inferred.

According to the exemplary embodiment of the present invention, when a predetermined cooperation card number is assigned by the card number assignment unit 1425, the information transmission / reception unit 1420 may be provided with a card company server provided in the card issuer through the communication means. And transmits the affiliate card number assigned by the card number assignment unit 1425 to a card verification value (or verification code) corresponding to the affiliate card number from the card company server 110 (eg, a visa card). It is preferable to receive the CVV (Card Verification Value), Master Card CVC (Card Validation Code), American Express Card CID (Confidential Identifier Number or Card Identification Number), and the card verification value in the rental card number (Or verification code) or when the card number assignment unit 1425 is equipped with the function for generating the card verification value (or verification code), the information transmitting and receiving unit 1420 is damaged. The function of transmitting / receiving a card verification value (or verification code) for the existing affiliate card number may be omitted.

When the association card number is generated (or extracted) as described above, the card information generation unit 1430 may generate predetermined association card information including the association card number.

According to an embodiment of the present invention, the affiliate card information includes at least one affiliate card number, a card verification value (or verification code), the card expiration date (some may be omitted), and card issuer information (or code). It is preferable to make it.

For example, the card number (although some exceptions exist) preferably includes a four-digit card issuing organization number, a two-digit card type number, a nine-digit serial number, and a check digit.

The expiration date information is preferably made to include the period (or expiration date and time) that can be used for the affiliate card, it may be omitted if the expiration date does not exist in the affiliate card, thereby the present invention is not limited .

The card issuing organization information (or code) preferably comprises at least one or more unique numbers (or unique codes) assigned to the card issuing organization (or financial company) that issues the affiliate card to the customer.

When predetermined affiliated card information included in the affiliated card is generated by the card information generating unit 1430, the utilization setting unit 1435 sets a predetermined amount of money according to the utilization policy of the card issuing affiliated institution. Characterized in that the issuing affiliated institution is set to the usage amount that is assigned to the affiliated card.

Alternatively, the utilization setting unit 1435 may determine the customer grade set by the card issuing affiliate institution or the customer's loyalty to the card issuing affiliate institution based on the customer information included in the card registration application information. In consideration of the above, the predetermined amount is set as a usage amount which the card issuing affiliate institution gives to the affiliate card.

Alternatively, the utilization setting unit 1435 confirms the credit rating of the customer in association with at least one credit evaluation server (not shown) based on the customer information included in the card registration application information, and then corresponds to the credit rating. It is characterized in that the predetermined amount of money is set to the utilization amount that the card issuing affiliated organization gives to the affiliated card.

Alternatively, the utilization setting unit 1435 confirms the account balance of the customer in association with at least one financial company server (not shown) based on the customer information included in the card registration application information, and then corresponds to the account balance. It is characterized by setting a certain amount of money to the utilization amount that the card issuing affiliated organization gives to the affiliated card.

Alternatively, the utilization setting unit 1435 requests the credit card amount information of the customer from the card company server 110 provided in the card issuing agency based on the customer information included in the card registration application information. Characterized in that a certain percentage of the amount corresponding to the credit limit amount to be confirmed is characterized in that the card issuance affiliated institutions to set the amount of the usage amount that the affiliated card.

Those skilled in the art to which the present invention pertains, in addition to the usage setting method described above, it is possible to infer various implementation methods in which the card issuing affiliate institution gives a predetermined usage amount to the affiliate card. The invention is characterized in that it comprises all the methods of inference.

According to the exemplary embodiment of the present invention, the utilization setting unit 1435 may set approval target information for each limit including at least one or more affiliate store information (or affiliate store group information) to be paid and processed through the set utilization amount. And / or to set the per-approval target information including at least one or more one-time payment amount or daily / weekly / monthly payment amount to be processed through the set utilization amount, and / or the affiliate card is online. Limit to allow the payment amount to be processed through the utilization amount when the payment is made through the payment channel, or to process the payment amount through the utilization amount when the payment is processed through the offline payment channel. It is desirable to set the approval target information.

According to another exemplary embodiment of the present invention, the approval target information for each limit may include information for first subtracting the payment amount through the affiliate card from the usage amount regardless of the payment condition corresponding to the affiliate card. It is possible, and the invention is not limited thereby.

When predetermined affiliated card information included in the affiliated card is generated by the card information generator 1430, the applet generator 1440 stores a predetermined card applet (or IC chip storage information) including the associated card information. The card applet (or IC chip storage information) is recorded in a wireless IC chip provided in the customer wireless terminal and has a file structure operable on a chip operating system (COS) on the wireless IC chip. It is preferable to comprise.

When the card applet (or IC chip storage information) is generated by the applet generating unit 1440, the card issuing unit 1450 sends the card to the customer wireless terminal through a wireless communication network corresponding to the customer wireless terminal information. By sending an applet (or IC chip storage information), the customer wireless terminal records the card applet (or IC chip storage information) on a wireless IC chip provided in the wireless terminal to issue the affiliate card to the customer. It is characterized by.

Thereafter, the information storage unit 1445 stores the customer information included in the card registration application information received from the customer through the information receiving unit 1410, the generated affiliate card information, card attribute information of the affiliate card, Characterized in that the storage card 1460 is stored in the storage card 1460, the affiliated card issuance information including at least one of the usage amount information and the limit-specific approval target information for the affiliated card.

Here, the customer information included in the affiliated card issuance information includes personal information of the card registered customer (for example, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.), and the customer It is preferable to include at least one member information (for example, member ID information) subscribed to the affiliate server 100.

In addition, the card attribute information included in the affiliate card issuance information may be assigned to a credit card attribute, a check card attribute, a debit card attribute, a cash card attribute, or prepaid. At least one attribute setting information for imparting card firing is preferably included.

For example, when assigning a credit card attribute to the affiliate card, the card attribute information includes various attribute information (eg, credit limit, etc.) for use in payment through a credit card payment system for issuing the affiliate card. When the check card / debit card / cash card attribute is given to the affiliate card, the card attribute information may include customer account information associated with the affiliate card, and the prepaid card attribute is added to the affiliate card. In the case of granting, the card attribute information may include information on the amount of charge charged in the affiliate card.

Those skilled in the art will be able to infer various technical configurations of the card attribute information, so a detailed description thereof will be omitted.

In addition, the utilization amount information for the affiliated card is preferably made to include a predetermined amount of the limit given to the affiliated card by the card issuing affiliated institution, and then a part (or all) of the utilization amount is the card. It is preferable to deposit in the form of a customer allowance from the issuing affiliate institution to the card issuer.

According to an exemplary embodiment of the present invention, the approval target information for each limit includes at least one merchant information (or merchant group information), payment amount information, online / offline payment channel information, etc. to be paid and processed through the utilization amount. It is preferable to comprise at least one or more.

According to another exemplary embodiment of the present invention, the approval target information for each limit may include information for first subtracting the payment amount through the affiliate card from the usage amount regardless of the payment condition corresponding to the affiliate card. It is possible, and the invention is not limited thereby.

Referring to FIG. 14, the card company server 110 of the card issuing organization connected to the affiliate server 100 through a predetermined communication means receives a predetermined affiliate card number from the affiliate server 100 through the communication means. The information transmitting / receiving unit 1465 (or information receiving unit) that receives (or receives a card verification value (or verification code) request information) and the predetermined information from the affiliate server 100 through the information transmitting / receiving unit 1465. When receiving an affiliate card number (or when a card verification value (or verification code) is requested), the verification card information generation unit 1430 generating a predetermined card verification value (or verification code) corresponding to the affiliate card number. And the information transceiving unit 1465 (or information transmitting means) transmits a card verification value (or verification code) corresponding to the affiliate card number to the affiliate server 100. It is characterized by.

Those skilled in the art to which the present invention belongs, the verification card information generation unit 1430 is the CVV (Card Verification Value) of the visa card, CVC (Card Validation Code) of the master card, the American Express card Since you will be familiar with the technical features for generating a card verification value (or verification code) including at least one CID (Confidential Identifier Number or Card Identification Number), a detailed description thereof will be omitted for convenience.

Referring to FIG. 14, the card company server 110 of the card issuing organization connected to the affiliate server 100 through a predetermined communication means is connected to the issued affiliate card from the affiliate server 100 through the communication means. An information transmitting / receiving unit 1465 (or information receiving means) for receiving affiliate card issuance information including at least one corresponding customer information, affiliate card information, and card attribute information corresponding to the affiliate card; and the received customer. An information storage unit 1475 for storing affiliated card operation information obtained by linking information, affiliated card information, and card attribute information with the affiliated agency information corresponding to the card issuing affiliated institution in the predetermined card information D / B 1490; It is characterized by comprising.

Referring to FIG. 14, the card company server 110 of the card issuing organization, which is connected to the affiliate server 100 through a predetermined communication means, limits the predetermined card limit amount for the affiliate card and the card limit amount. The card limit setting unit 1480 (or card limit setting means) for setting an approval target for each card, and the card limit amount information and the approval target information for the limit on the card limit amount in the partnership card operation information. An information storage unit 1475 (or information storage means) stored in the information D / B 1490, and information on the card limit amount information and the authorization target information for each limit on the card limit amount through the communication means through the affiliate server ( It characterized in that it comprises an information transmitting and receiving unit 1465 (or information transmission means) for transmitting to 100.

If the affiliated card includes a credit card attribute, the card limit setting unit 1480 checks the credit level of the customer who is issued the affiliate card, and then sets a predetermined credit limit amount corresponding to the credit limit of the card. It characterized in that it is set to.

Alternatively, when the affiliated card includes a check card / debit card attribute, the card limit setting unit 1480 checks a customer account associated with the affiliated card and sets the customer account balance as the card limit amount. It is characterized by.

According to the exemplary embodiment of the present invention, the card limit setting unit 1480 may set approval target information for each limit including at least one or more affiliate store information (or affiliate store group information) to be processed for payment through the set credit limit amount. And / or to set a limit authorization information including at least one one-time payment amount or a daily / weekly / monthly payment amount to be processed through the set credit limit amount, and / or the affiliate card is online. Limit to allow payment through the card limit amount if the payment is made through the payment channel or to pay through the card limit amount if the payment is made through the offline payment channel. It is desirable to set the approval target information.

According to another exemplary embodiment of the present invention, the approval target information for each limit may be set to first subtract the payment amount through the affiliate card from the card limit amount, regardless of the payment condition corresponding to the affiliate card, or the affiliate server ( It is possible to include information to first subtract from the usage amount registered in 100), whereby the present invention is not limited.

Thereafter, the affiliated card operation information stored in the card information D / B 1490 is used by the card issuer to provide a payment service or various additional services in association with at least one affiliated store.

According to an embodiment of the present invention, the card information D / B 1490 is preferably provided in a DBMS on a predetermined financial system provided in the card issuing institution (or associated with the card issuing institution). The card information D / B 1490 may be a ledger D / B provided in a DBMS on the financial system and / or a predetermined database associated with the ledger D / B, whereby the present invention is not limited thereto. No.

According to another exemplary embodiment of the present invention, the card information D / B 1490 may be an on-line payment system, and / or a WAP-based wireless payment system, and / or an IC chip provided to (or associated with) the card issuer. It is possible to be provided in the DBMS on at least one or more of the base wireless payment system, and / or the tele payment system, whereby the present invention is not limited.

According to another embodiment of the present invention, the card information D / B 1490 is an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided (or associated with) the card issuer. It is possible to be provided in the DBMS on at least one banking system of, and / or a TV banking system, whereby the present invention is not limited.

15 is a diagram illustrating a card registration process for issuing an affiliate card through card number rental according to an embodiment of the present invention.

In more detail, in FIG. 15, in the card registration system shown in FIG. 14, a predetermined customer creates a predetermined card registration application through a face-to-face card registration interface (e.g., the card registration application, employee terminal, and network means). When the affiliated employee submits (or selects) the card registration application information corresponding to the card registration application through a predetermined card registration terminal and transmits it to the affiliated server 100, the affiliated server ( 100 shows a process of issuing a predetermined affiliate card through the card number rental to the customer based on the card registration application information, specifically, a rental card number D / B (1485) storing the rental card number. ) Shows an implementation method provided in the card issuing engine.

Those of ordinary skill in the art to which the present invention pertains can refer to various embodiments of the present invention to infer various methods of issuing the affiliated card for issuing the affiliated card through lease of the card number. However, the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

For example, FIG. 15 illustrates that the affiliate card is produced and provided (or delivered) to the customer, and then the affiliate card issuance information is stored in the storage medium 1460. The process of storing the predetermined affiliate card issuance information in the storage medium 1460 may be performed before the affiliate card is produced or before the affiliate card is produced (or delivered) to the customer. The present invention is not limited.

Hereinafter, in FIG. 15, the card registration terminal shown in FIG. 14 is referred to as a "terminal" for convenience, and the affiliate server 100 is referred to as a "server" for convenience.

Referring to FIG. 15, in order to issue the affiliated card for issuing an affiliated card through leasing the card number, the customer is prescribed through a face-to-face card registration interface (eg, the card registration application, employee terminal, and network means). When a card registration application (for example, a document having a form for filling in at least one information item for issuance of an affiliate card through lease of the card number) is completed and submitted to an affiliated employee, the terminal is connected by the affiliated employee. The card registration application information corresponding to the card registration application prepared by the customer is input (or selected) through a predetermined user interface (1500), and the card registration application information is transmitted to the server through the network means (1505). .

According to an embodiment of the present invention, the card registration application information includes customer information of the card registration customer and at least one or more kinds of card attribute information for setting card attributes for the affiliated card.

Here, the customer information is personal information of the card registered customer (for example, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.), and the customer has subscribed to the affiliate server 100. It is preferable to include at least one member information (eg, member ID information).

In addition, the customer wireless terminal information is unique information of the customer wireless terminal equipped with a wireless IC chip capable of recording a card applet (or IC chip storage information) (for example, wireless terminal telephone number, address information, or identification information, Or at least one of ID information, etc.), and a card applet corresponding to the affiliate card by a wireless terminal corresponding to the customer wireless terminal information for issuing a predetermined affiliate card through the card number rental. Or IC chip storage information).

Further, the card attribute information for the affiliate card may be assigned to a credit card attribute, a check card attribute, a debit card attribute, a cash card attribute, or a prepaid card firing. It is preferable that the at least one attribute setting information for granting a.

For example, when assigning a credit card attribute to the affiliate card, the card attribute information may include credit inquiry consent information for issuing the affiliate card, and assigns a check card / debit card / cash card attribute to the affiliate card. In the case of granting, the card attribute information may include customer account information associated with the affiliate card. When the prepaid card attribute is assigned to the affiliate card, the card attribute information may be set to the affiliate card. It may include a prepaid card charging information for charging.

According to another embodiment of the present invention, when the card attribute is fixed by the card issuing affiliate (or card issuing authority) or is set in a policy, the card attribute information may be omitted, thereby limiting the present invention. Not.

Thereafter, the server receives and reads the card registration request information from the terminal through the network means and issues the affiliated card through leasing the card number to the customer based on the customer information included in the card registration request information. The card registration validity for issuing the affiliate card is verified (1510).

According to the implementation method of the present invention, the validity confirmation for issuing the alliance card to the customer, based on the customer name and resident registration number included in the customer information, a predetermined real name verification server (not shown) It is preferable to include a) to confirm the real name of the customer in conjunction with).

In addition, when the affiliated card includes a credit card attribute, the validity check for issuing the affiliated card to the customer is based on a predetermined communication means based on the customer information. It is preferable to include the check the credit information of the customer in conjunction with).

In addition, when the affiliate card includes a check card / debit card attribute, the validity check for issuing the affiliate card to the customer is performed based on the customer information. It is preferable that the customer account associated with the card is formed in connection with a financial institution server (not shown) opened and confirming whether the customer account is opened and normally operated.

In addition, validity confirmation for issuing the alliance card to the customer includes subscriber management means (for example, subscriber information D / B (not shown) and subscription management server (not shown)) on the wireless communication network corresponding to the customer wireless terminal information. Etc.), it is preferable to include checking whether the customer wireless terminal information is valid.

If the validity to issue the affiliate card to the customer is not authenticated through the card registration application information (1515), the server provides card registration error information to the customer through the card registration interface (1520). Stop issuing the affiliate card to the customer.

On the other hand, if the validity for issuing the affiliate card to the customer is authenticated through the card registration application information (1515), the server is provided to the card issuer based on the card registration application information through the communication means. The lease card number D / B 1485 requests and receives a lease card number to be assigned to the affiliate card and assigns it to the affiliate card number (1525).

Thereafter, the server transmits the affiliate card number to the card company server 110 that has leased the lease card number through the communication means, and then a verification value (or verification code) corresponding to the affiliate card number to the card company server 110. Request a card verification value (or verification code) corresponding to the affiliate card number from the card company server 110 in response thereto (1530), and the affiliate card number and card verification value (or verification code). Predetermined affiliate card information is generated (1535).

Here, the affiliated card information may include a card number (eg, 16-digit card number) corresponding to the affiliated card, the received card verification value (or verification code), expiration date information (some may be omitted), and card issuer information ( Or code).

For example, the card number (although some exceptions exist) preferably includes a four-digit card issuing organization number, a two-digit card type number, a nine-digit serial number, and a check digit.

The expiration date information is preferably made to include the period (or expiration date and time) that can be used for the affiliate card, it may be omitted if the expiration date does not exist in the affiliate card, thereby the present invention is not limited .

The card issuing organization information (or code) preferably comprises at least one or more unique numbers (or unique codes) assigned to the card issuing organization (or financial company) that issues the affiliate card to the customer.

Thereafter, the server sets usage amount information including a predetermined limit amount assigned to the affiliate card by the card issuing affiliate institution and approval target information for each limit on the utilization amount (1540).

According to the implementation method of the present invention, the server preferably sets a certain amount of money to be used by the card issuing affiliate to the affiliated card according to the utilization policy of the card issuing affiliate.

Alternatively, the server may set the predetermined amount in consideration of the customer grade set by the card issuing affiliate institution or the loyalty of the customer to the card issuing affiliate institution based on the customer information included in the card registration application information. It is preferable that the card issuance affiliated institution set the usage amount to be assigned to the affiliated card.

Alternatively, the server checks the credit rating of the customer in connection with at least one credit rating server (not shown) based on the customer information included in the card registration application information, and then, the server determines a predetermined amount of money corresponding to the credit rating. It is preferable that the card issuance affiliated institution set the usage amount to be assigned to the affiliated card.

Alternatively, the server checks the account balance of the customer in connection with at least one financial company server (not shown) based on the customer information included in the card registration application information, and then sets a predetermined amount of money corresponding to the account balance. It is preferable that the card issuance affiliated institution set the usage amount to be assigned to the affiliated card.

Or, the server requests the credit limit amount information of the customer to the card company server 110 provided in the card issuing agency based on the customer information included in the card registration application information, and the credit limit amount to be confirmed It is preferable to set the corresponding fixed amount of money to the utilization amount that the card issuing affiliate institution gives to the affiliate card.

Those skilled in the art to which the present invention pertains, in addition to the usage setting method described above, it is possible to infer various implementation methods in which the card issuing affiliate institution gives a predetermined usage amount to the affiliate card. It is preferable that the invention includes all the methods of inferring the above.

According to an exemplary embodiment of the present invention, the server sets approval target information for each limit including at least one or more affiliate store information (or affiliate store group information) to be processed for payment through the set utilization amount, and / or the set Set per-approval authorization information that includes at least one one-time payment amount, or at least one daily / weekly / monthly payment amount through a usage amount; and / or the affiliate card processes payment through an online payment channel. Set the approval target information for each limit to allow the payment amount to be processed through the utilization amount or to process the payment amount through the utilization amount when the payment is processed through the offline payment channel. It is desirable to.

According to another exemplary embodiment of the present invention, the approval target information for each limit may include information for first subtracting the payment amount through the affiliate card from the usage amount regardless of the payment condition corresponding to the affiliate card. It is possible, and the invention is not limited thereby.

If the utilization amount information for the affiliate card and the approval target information for each limit on the utilization amount are set (1545), the server generates a predetermined card applet including the generated (or extracted) affiliate card information ( Or IC chip storage information) (1550), and the generated card applet (or IC chip storage information) is transferred to the customer wireless terminal through a wireless communication network corresponding to the customer wireless terminal information included in the card registration application information. Transmit (1555).

Here, the card applet (or IC chip storage information) preferably includes a file structure recorded on a wireless IC chip provided in the customer wireless terminal and operable on a chip operating system (COS) on the wireless IC chip.

According to an embodiment of the present invention, the server reads the customer wireless terminal information included in the card registration request information to identify a wireless communication network corresponding to the customer wireless terminal information, and a predetermined applet providing server connected to the wireless communication network. It is preferable to transmit the generated card applet (or IC chip storage information) to the customer wireless terminal through the 1455.

Those skilled in the art to which the present invention pertains, various methods of transmitting the card applet (or IC chip storage information) from the applet providing server 1455 to the customer wireless terminal (eg, wireless message and The card applet (or IC chip storage information) transmission using the callback URL) may be inferred, but the present invention is characterized by including all implementation methods inferred.

Thereafter, the customer wireless terminal records the received card applet (or IC chip storage information) on a wireless IC chip provided in the corresponding wireless terminal, thereby issuing an affiliate card corresponding to the card applet (or IC chip storage information). (1560).

Thereafter, the server issuing an affiliate card including at least one of customer information included in the card registration application information provided from the customer through the card registration interface, the generated affiliate card information, and card attribute information of the affiliate card. Information is stored in the storage medium 1460 (1565).

Here, the customer information included in the affiliated card issuance information includes personal information of the card registered customer (for example, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.), and the customer At least one member information (for example, member ID information) subscribed to the affiliate server 100 may be included.

In addition, the card attribute information included in the affiliate card issuance information may be assigned to a credit card attribute, a check card attribute, a debit card attribute, a cash card attribute, or prepaid. At least one attribute setting information for imparting card firing is preferably included.

For example, when assigning a credit card attribute to the affiliate card, the card attribute information includes various attribute information (eg, credit limit, etc.) for use in payment through a credit card payment system for issuing the affiliate card. When the check card / debit card / cash card attribute is given to the affiliate card, the card attribute information may include customer account information associated with the affiliate card, and the prepaid card attribute is added to the affiliate card. In the case of granting, the card attribute information may include information on the amount of charge charged in the affiliate card.

Those skilled in the art will be able to infer various technical configurations of the card attribute information, so a detailed description thereof will be omitted.

In addition, the utilization amount information for the affiliated card is preferably made to include a predetermined amount of the limit given to the affiliated card by the card issuing affiliated institution, and then a part (or all) of the utilization amount is the card. It is preferable to deposit in the form of a customer allowance from the issuing affiliate institution to the card issuer.

According to an exemplary embodiment of the present invention, the approval target information for each limit includes at least one merchant information (or merchant group information), payment amount information, online / offline payment channel information, etc. to be paid and processed through the utilization amount. It is preferable to comprise at least one or more.

According to another exemplary embodiment of the present invention, the approval target information for each limit may include information for first subtracting the payment amount through the affiliate card from the usage amount regardless of the payment condition corresponding to the affiliate card. It is possible, and the invention is not limited thereby.

Thereafter, the server issues the at least one affiliate card including at least one of customer information corresponding to the affiliate card, card information, and card attribute information to the card company server 110 through the communication means. In operation 1570, the card company server 110 stores affiliate card operation information, which further includes the card issuing affiliate information, in the card information D / B 1490. 1575).

In addition, the card company server 110 sets predetermined card limit amount information for the affiliated card and limit target approval information for the card limit amount (1580).

According to an embodiment of the present invention, when the affiliate card includes a credit card attribute, the card company server 110 checks the credit rating of the customer who is issued the affiliate card, and then predetermined credit limit corresponding to the customer credit rating. It is preferable to set the amount of money to the card limit amount of money.

According to another embodiment of the present invention, when the affiliate card includes a check card / debit card attribute, the card company server 110 checks the customer account associated with the affiliate card, and stores the customer account balance on the card. It is preferable to set the limit amount.

In addition, the card company server 110 sets the permissible information for each limit including at least one or more merchant information (or merchant group information) to be settled through the set credit limit amount, and / or the set credit limit. Setting a per-approval target information that includes at least one payment amount per day or at least one daily / weekly / monthly payment amount, and / or when the affiliate card is processed through an online payment channel. It is recommended to set the subject-specific authorization information to allow the payment amount to be processed through the card limit amount or to process the payment amount through the card limit amount when the payment amount is processed through the offline payment channel. desirable.

According to another exemplary embodiment of the present invention, the card company server 110 allows the approval target information for each limit to be first subtracted from the card limit amount of the payment amount through the affiliate card regardless of the payment condition corresponding to the affiliate card. Or, it may be made to include information to first subtract from the usage amount registered in the affiliate server 100, whereby the present invention is not limited.

If the predetermined card limit amount information for the affiliated card and the approval target information for each limit on the card limit amount are set (1585), the card company server 110 may determine the card limit amount information and the card limit amount. The authorization target information for each limit is included in the affiliated card operation information and stored in the card information D / B 1490 (1590).

According to an embodiment of the present invention, the card information D / B 1490 is preferably provided in a DBMS on a predetermined financial system provided in the card issuing institution (or associated with the card issuing institution). The card information D / B 1490 may be a ledger D / B provided in a DBMS on the financial system and / or a predetermined database associated with the ledger D / B, whereby the present invention is not limited thereto. No.

According to another exemplary embodiment of the present invention, the card information D / B 1490 may be an on-line payment system, and / or a WAP-based wireless payment system, and / or an IC chip provided to (or associated with) the card issuer. It is possible to be provided in the DBMS on at least one or more of the base wireless payment system, and / or the tele payment system, whereby the present invention is not limited.

According to another embodiment of the present invention, the card information D / B 1490 is an internet banking system, and / or a telebanking system, and / or a wireless banking system provided to (or associated with) the card issuing institution. It is possible to be provided in the DBMS on at least one banking system of, and / or a TV banking system, whereby the present invention is not limited.

Thereafter, the card company server 110 transmits the set card limit amount information and the authorization target information for each limit on the card limit amount to the server through the communication means (1595). The affiliated card issuance information stored in the medium 1460 further stores the card limit amount information and the authorization target information for each limit on the card limit amount (1599).

16 is a diagram illustrating a card registration process for issuing an affiliate card through card number rental according to another embodiment of the present invention.

More specifically, FIG. 16 shows a non-face-to-face card registration interface (e.g., client terminal and network means including at least one wired terminal and / or wireless terminal) in a card registration system shown in FIG. When accessing the affiliate server 100 through the input (or select) the predetermined card registration application information and transmits, the affiliate server 100 leases the card number to the customer based on the card registration application information As a process of issuing a predetermined affiliate card through, specifically, it illustrates an implementation method in which the rental card number D / B 1485 for storing the rental card number is provided in the card issuing institution.

Those of ordinary skill in the art to which the present invention pertains can refer to various embodiments of the present invention to infer various methods of issuing the affiliated card for issuing the affiliated card through lease of the card number. However, the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

For example, FIG. 16 illustrates that the affiliate card is produced and provided (or shipped) to the customer, and then the affiliate card issuance information is stored in the storage medium 1460. The process of storing the predetermined affiliate card issuance information in the storage medium 1460 may be performed before the affiliate card is produced or before the affiliate card is produced (or delivered) to the customer. The present invention is not limited.

Hereinafter, in FIG. 16, the card registration terminal shown in FIG. 14 is referred to as a "terminal" for convenience, and the affiliate server 100 is referred to as a "server" for convenience.

Referring to FIG. 16, the customer connects the communication channel for card registration application by accessing the server through a predetermined terminal, and the affiliate card for issuing an affiliate card through leasing the card number through the communication channel. The application is issued (1600), and correspondingly, the server generates (or extracts) a user interface for issuing the affiliate card and provides the terminal to the terminal through the communication channel (1605).

Thereafter, the terminal receives (or selects) the card registration application information through the user interface and transmits the input (or selected) card registration application information to the server through the communication channel (1610).

According to an embodiment of the present invention, the card registration application information includes customer information of the card registration customer and at least one or more kinds of card attribute information for setting card attributes for the affiliated card.

Here, the customer information is personal information of the card registered customer (for example, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.), and the customer has subscribed to the affiliate server 100. It is preferable to include at least one member information (eg, member ID information).

In addition, the customer wireless terminal information is unique information of the customer wireless terminal equipped with a wireless IC chip capable of recording a card applet (or IC chip storage information) (for example, wireless terminal telephone number, address information, or identification information, Or at least one of ID information, etc.), and a card applet corresponding to the affiliate card by a wireless terminal corresponding to the customer wireless terminal information for issuing a predetermined affiliate card through the card number rental. Or IC chip storage information).

Further, the card attribute information for the affiliate card may be assigned to a credit card attribute, a check card attribute, a debit card attribute, a cash card attribute, or a prepaid card firing. It is preferable to include at least one or more attribute setting information to be provided.

For example, when assigning a credit card attribute to the affiliate card, the card attribute information may include credit inquiry consent information for issuing the affiliate card, and assigns a check card / debit card / cash card attribute to the affiliate card. In the case of granting, the card attribute information may include customer account information associated with the affiliate card. When the prepaid card attribute is assigned to the affiliate card, the card attribute information may be set to the affiliate card. It may include a prepaid card charging information for charging.

According to another embodiment of the present invention, when the card attribute is fixed by the card issuing affiliate (or card issuing authority) or is set in a policy, the card attribute information may be omitted, thereby limiting the present invention. Not.

Thereafter, the server receives and reads the card registration request information from the terminal through the network means and issues the affiliated card through leasing the card number to the customer based on the customer information included in the card registration request information. The card registration validity for issuing the affiliate card is verified (1615).

According to the implementation method of the present invention, the validity confirmation for issuing the alliance card to the customer, based on the customer name and resident registration number included in the customer information, a predetermined real name verification server (not shown) It is preferable to include a) to confirm the real name of the customer in conjunction with).

In addition, when the affiliated card includes a credit card attribute, the validity check for issuing the affiliated card to the customer is based on a predetermined communication means based on the customer information. It is preferable to include the check the credit information of the customer in conjunction with).

In addition, when the affiliate card includes a check card / debit card attribute, the validity check for issuing the affiliate card to the customer is performed based on the customer information. It is preferable that the customer account associated with the card is formed in connection with a financial institution server (not shown) opened and confirming whether the customer account is opened and normally operated.

In addition, validity confirmation for issuing the alliance card to the customer includes subscriber management means (for example, subscriber information D / B (not shown) and subscription management server (not shown)) on the wireless communication network corresponding to the customer wireless terminal information. Etc.), it is preferable to include checking whether the customer wireless terminal information is valid.

If the validity to issue the affiliate card to the customer is not authenticated through the card registration application information (1620), the server provides card registration error information to the customer through the card registration interface (1625). Stop issuing the affiliate card to the customer.

On the other hand, if the validity for issuing the affiliate card to the customer is authenticated through the card registration application information (1620), the server is provided to the card issuing organization based on the card registration application information through the communication means. The lease card number D / B 1485 requests and receives a lease card number to be assigned to the affiliate card and assigns it to the affiliate card number (1630).

Thereafter, the server transmits the affiliate card number to the card company server 110 that has leased the lease card number through the communication means, and then a verification value (or verification code) corresponding to the affiliate card number to the card company server 110. Request a card verification value (or verification code) corresponding to the affiliate card number from the card company server 110 in response thereto (1635), and the affiliate card number and card verification value (or verification code). Predetermined affiliate card information is generated (1640).

Here, the affiliated card information may include a card number (eg, 16-digit card number) corresponding to the affiliated card, the received card verification value (or verification code), expiration date information (some may be omitted), and card issuer information ( Or code).

For example, the card number (although some exceptions exist) preferably includes a four-digit card issuing organization number, a two-digit card type number, a nine-digit serial number, and a check digit.

The expiration date information is preferably made to include the period (or expiration date and time) that can be used for the affiliate card, it may be omitted if the expiration date does not exist in the affiliate card, thereby the present invention is not limited .

The card issuing organization information (or code) preferably comprises at least one or more unique numbers (or unique codes) assigned to the card issuing organization (or financial company) that issues the affiliate card to the customer.

Thereafter, the server sets usage amount information including a predetermined limit amount assigned to the affiliate card by the card issuing affiliate institution and approval target information for each limit on the utilization amount (1645).

According to the implementation method of the present invention, the server preferably sets a certain amount of money to be used by the card issuing affiliate to the affiliated card according to the utilization policy of the card issuing affiliate.

Alternatively, the server may set the predetermined amount in consideration of the customer grade set by the card issuing affiliate institution or the loyalty of the customer to the card issuing affiliate institution based on the customer information included in the card registration application information. It is preferable that the card issuance affiliated institution set the usage amount to be assigned to the affiliated card.

Alternatively, the server checks the credit rating of the customer in connection with at least one credit rating server (not shown) based on the customer information included in the card registration application information, and then, the server determines a predetermined amount of money corresponding to the credit rating. It is preferable that the card issuance affiliated institution set the usage amount to be assigned to the affiliated card.

Alternatively, the server checks the account balance of the customer in connection with at least one financial company server (not shown) based on the customer information included in the card registration application information, and then sets a predetermined amount of money corresponding to the account balance. It is preferable that the card issuance affiliated institution set the usage amount to be assigned to the affiliated card.

Or, the server requests the credit limit amount information of the customer to the card company server 110 provided in the card issuing agency based on the customer information included in the card registration application information, and the credit limit amount to be confirmed It is preferable to set the corresponding fixed amount of money to the utilization amount that the card issuing affiliate institution gives to the affiliate card.

Those skilled in the art to which the present invention pertains, in addition to the usage setting method described above, it is possible to infer various implementation methods in which the card issuing affiliate institution gives a predetermined usage amount to the affiliate card. It is preferable that the invention includes all the methods of inferring the above.

According to an exemplary embodiment of the present invention, the server sets approval target information for each limit including at least one or more affiliate store information (or affiliate store group information) to be processed for payment through the set utilization amount, and / or the set Set per-approval authorization information that includes at least one one-time payment amount, or at least one daily / weekly / monthly payment amount through a usage amount; and / or the affiliate card processes payment through an online payment channel. Set the approval target information for each limit to allow the payment amount to be processed through the utilization amount or to process the payment amount through the utilization amount when the payment is processed through the offline payment channel. It is desirable to.

According to another exemplary embodiment of the present invention, the approval target information for each limit may include information for first subtracting the payment amount through the affiliate card from the usage amount regardless of the payment condition corresponding to the affiliate card. It is possible, and the invention is not limited thereby.

If the utilization amount information for the affiliate card and the authorization target information for each limit on the utilization amount are set (1650), the server may provide a predetermined card applet including the generated (or extracted) affiliate card information ( Or IC chip storage information) (1655), and the generated card applet (or IC chip storage information) is transferred to the customer wireless terminal through a wireless communication network corresponding to the customer wireless terminal information included in the card registration application information. Send (1660).

Here, the card applet (or IC chip storage information) preferably includes a file structure recorded on a wireless IC chip provided in the customer wireless terminal and operable on a chip operating system (COS) on the wireless IC chip.

According to an embodiment of the present invention, the server reads the customer wireless terminal information included in the card registration request information to identify a wireless communication network corresponding to the customer wireless terminal information, and a predetermined applet providing server connected to the wireless communication network. It is preferable to transmit the generated card applet (or IC chip storage information) to the customer wireless terminal through the 1455.

Those skilled in the art to which the present invention pertains, various methods of transmitting the card applet (or IC chip storage information) from the applet providing server 1455 to the customer wireless terminal (eg, wireless message and The card applet (or IC chip storage information) transmission using the callback URL) may be inferred, but the present invention is characterized by including all the inferred implementation methods.

Thereafter, the customer wireless terminal records the received card applet (or IC chip storage information) on a wireless IC chip provided in the corresponding wireless terminal, thereby issuing an affiliate card corresponding to the card applet (or IC chip storage information). (1665).

Thereafter, the server issuing an affiliate card including at least one of customer information included in the card registration application information provided from the customer through the card registration interface, the generated affiliate card information, and card attribute information of the affiliate card. Information is stored in the storage medium 1460 (1670).

Here, the customer information included in the affiliated card issuance information includes personal information of the card registered customer (for example, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.), and the customer It is preferable to include at least one member information (for example, member ID information) subscribed to the affiliate server 100.

In addition, the card attribute information included in the affiliate card issuance information may provide a credit card attribute, a check card attribute, a debit card attribute, a cash card attribute, or prepaid to the affiliate card. At least one attribute setting information for imparting card firing is preferably included.

For example, when assigning a credit card attribute to the affiliate card, the card attribute information includes various attribute information (eg, credit limit, etc.) for use in payment through a credit card payment system for issuing the affiliate card. When the check card / debit card / cash card attribute is given to the affiliate card, the card attribute information may include customer account information associated with the affiliate card, and the prepaid card attribute is added to the affiliate card. In the case of granting, the card attribute information may include information on the amount of charge charged in the affiliate card.

Those skilled in the art will be able to infer various technical configurations of the card attribute information, so a detailed description thereof will be omitted.

In addition, the utilization amount information for the affiliated card is preferably made to include a predetermined amount of the limit given to the affiliated card by the card issuing affiliated institution, and then a part (or all) of the utilization amount is the card. It is preferable to deposit in the form of a customer allowance from the issuing affiliate institution to the card issuer.

According to an exemplary embodiment of the present invention, the approval target information for each limit includes at least one merchant information (or merchant group information), payment amount information, online / offline payment channel information, etc. to be paid and processed through the utilization amount. It is preferable to comprise at least one or more.

According to another exemplary embodiment of the present invention, the approval target information for each limit may include information for first subtracting the payment amount through the affiliate card from the usage amount regardless of the payment condition corresponding to the affiliate card. It is possible, and the invention is not limited thereby.

Thereafter, the server issues the at least one affiliate card including at least one of customer information corresponding to the affiliate card, card information, and card attribute information to the card company server 110 through the communication means. Information is transmitted (1675), and the card company server 110 stores the affiliate card operation information further including the card issuing affiliate information in the affiliate card issuing information in a predetermined card information D / B 1490 ( 1680).

In addition, the card company server 110 sets predetermined credit limit amount information for the affiliate card and approval target information for each limit on the credit limit amount (1685).

According to an embodiment of the present invention, when the affiliate card includes a credit card attribute, the card company server 110 checks the credit rating of the customer who is issued the affiliate card, and then predetermined credit limit corresponding to the customer credit rating. It is preferable to set the amount of money to the card limit amount of money.

According to another embodiment of the present invention, when the affiliate card includes a check card / debit card attribute, the card company server 110 checks the customer account associated with the affiliate card, and stores the customer account balance on the card. It is preferable to set the limit amount.

In addition, the card company server 110 sets the permissible information for each limit including at least one or more merchant information (or merchant group information) to be settled through the set credit limit amount, and / or the set credit limit. Setting a per-approval target information that includes at least one payment amount per day or at least one daily / weekly / monthly payment amount, and / or when the affiliate card is processed through an online payment channel. It is recommended to set the subject-specific authorization information to allow the payment amount to be processed through the card limit amount or to process the payment amount through the card limit amount when the payment amount is processed through the offline payment channel. desirable.

According to another exemplary embodiment of the present invention, the card company server 110 allows the approval target information for each limit to be first subtracted from the card limit amount of the payment amount through the affiliate card regardless of the payment condition corresponding to the affiliate card. Or, it may be made to include information to first subtract from the usage amount registered in the affiliate server 100, whereby the present invention is not limited.

If the predetermined card limit amount information for the affiliated card and the authorization target information for each limit on the card limit amount are set (1690), the card company server 110 may determine the card limit amount information and the card limit amount. The authorization target information for each limit is included in the affiliate card operation information and stored in the card information D / B 1490 (1695).

According to an embodiment of the present invention, the card information D / B 1490 is preferably provided in a DBMS on a predetermined financial system provided in the card issuing institution (or associated with the card issuing institution). The card information D / B 1490 may be a ledger D / B provided in a DBMS on the financial system and / or a predetermined database associated with the ledger D / B, whereby the present invention is not limited thereto. No.

According to another exemplary embodiment of the present invention, the card information D / B 1490 may be an on-line payment system, and / or a WAP-based wireless payment system, and / or an IC chip provided to (or associated with) the card issuer. It is possible to be provided in the DBMS on at least one or more of the base wireless payment system, and / or the tele payment system, whereby the present invention is not limited.

According to another embodiment of the present invention, the card information D / B 1490 is an internet banking system, and / or a telebanking system, and / or a wireless banking system provided to (or associated with) the card issuing institution. It is possible to be provided in the DBMS on at least one banking system of, and / or a TV banking system, whereby the present invention is not limited.

Thereafter, the card company server 110 transmits the set card limit amount information and the authorization target information for each limit on the card limit amount to the server through the communication means (1697). The affiliated card issuance information stored in the medium 1460 further stores the card limit amount information and the authorization target information for each limit on the card limit amount (1699).

FIG. 17 is a diagram illustrating a card registration system for issuing an affiliate card in the form of a card applet (or IC chip storage information) through a batch lease of card numbers according to another embodiment of the present invention.

In more detail, FIG. 17 illustrates a card issuance partnership between a customer who owns a wireless terminal having a predetermined wireless IC chip (eg, a financial IC chip or a universal subscriber identity module (USIM)) through a predetermined card registration interface. When the card issuing card registration application information for issuing an affiliate card through the lease of a predetermined card number to the institution, the card issuing affiliated agency provides a wireless IC chip provided to the customer to the customer based on the provided card registration application information. As a system configuration for issuing an affiliate card in the form of a card applet (or IC chip storage information), specifically, a rental card number D / B 1760 for storing the rental card number is provided in the card issuing affiliated institution. And when the card issuing institution is also provided, synchronizing the rental card number D / B 1760 to register / issue the affiliate card. Shows.

Those skilled in the art to which the present invention pertains can refer to and / or modify this drawing 17 to infer various implementation methods for the configuration of a card registration system for issuing an affiliated card through leasing the card number. However, the present invention includes all the implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

Hereinafter, a card applet (or IC chip storage) is a wireless IC chip provided in the customer wireless terminal based on the card registration application information provided from the customer through a predetermined card registration interface on the card registration system shown in FIG. 17. Information corresponding to at least one or more means and / or functional configuration for issuing an affiliate card in the form of a &quot; partner server 100 &quot; for convenience, and the card issuing affiliated agency provided with the affiliate server 100 It is preferable to include at least one of a mobile communication company, various wireless communication companies, various wired communication companies, a portal service provider, etc., which are affiliated with a card issuer.

Referring to FIG. 17 according to an embodiment of the present invention, a card registration system for issuing an affiliate card through leasing the card number may be used by an employee of an affiliated employee provided at at least one card issuer (or financial institution). And / or a client terminal including at least one wired terminal and / or a wireless terminal used by the customer when the card registration system supports a non-face-to-face card registration application. Characterized in that the employee terminal and / or client terminal is connected to the communication channel and the affiliate server 100 provided in the card issuing affiliate institution through a predetermined network means.

According to one embodiment of the present invention, the customer visits the card issuing agency to issue an affiliate card through the card number leasing and through the window provided at the card issuing institution (or through an affiliated employee). Fill out a predetermined card registration application for issuing an affiliate card through lease (e.g., a document with a form for filling in at least one item of information for issuing an affiliate card through lease of the card number) and / or the affiliate employee Visit the customer and have the customer fill out a predetermined card registration application for issuing an affiliate card through leasing the card number), and submit the completed card registration application to the affiliated employee. Enter (or select) the information entered on the card registration application through the employee's terminal The employee terminal preferably transmits the input (or selected) information to the affiliate server 100 provided in the card issuing affiliate institution through the network means.

Here, preferably, the employee terminal includes an employee terminal used by an affiliated employee provided in the card issuing institution, and the affiliate server 100 connected to the employee terminal is the card issuing institution (or financial institution, or the And a server provided on a card issuing agency affiliated with a card issuing institution, wherein the network means for connecting the employee terminal and the affiliate server 100 is between the employee terminal and the affiliate server 100. It is preferable to include a communication network connecting the communication channel.

In the card registration system as described above, the card registration application created by the customer, the employee terminal used by the affiliated employee and the financial network connecting the employee terminal and the affiliated server 100, the customer rents the card number. It performs a function of a card registration interface for registering card registration application information for issuing an affiliate card through.

According to another exemplary embodiment of the present invention, when the card registration system supports a non-face-to-face card registration application, the customer is selected from a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network. Access the affiliate server 100 through at least one client terminal and input card registration application information for issuing an affiliate card through lease of the card number through at least one user interface provided by the affiliate server 100. (Or optional), the client terminal preferably transmits through the predetermined network means to the affiliate server 100 provided in the card issuing affiliate institution.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices connected to a TCP / IP based communication network, and a desktop computer and / or a notebook 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.

In addition, the wireless terminal connected to the wireless communication network is all terminal devices connected to a code division multiple access (CDMA) based mobile communication network, and / or all terminal devices connected to a high speed downlink packet access (HSDPA) based wireless communication network, and / Or all terminal devices connected to the IEEE 802.16x based mobile Internet, and / or all terminal devices connected to Motorola's DataTAC method and / or Erricson's Mobitex type wireless data communication network, and are personal communications connected to the CDMA based mobile communication network. Terminal (Personal Communication System; PCS) and / or Global System for Mobile communications (GSM) terminals and / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or personal information terminals (Personal Digital Assistant; PDA) and / or Smart Phone and / or Telematics, or High Speed Do at least one wireless communication terminal connected to a wireless communication network based on a wnlink packet access), a portable internet terminal connected to the IEEE 802.16x based mobile Internet, or a wireless data communication terminal connected to the DataTAC / Mobitex based wireless data communication network. It is preferable to make.

The client terminal may output at least one user interface provided by the affiliate server 100, input and / or select at least one information through the user interface, and transmit the same to the affiliate server 100. It is preferable that a function configuration (e.g., a browser program and a communication function, or a predetermined communication program and a communication function to communicate with the affiliate server 100) 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 wired terminal and / or wireless terminal, and thus the detailed description thereof is omitted for convenience. do.

In the card registration system as described above, a client terminal including at least one wired terminal and / or a wireless terminal used by the customer, at least one wired communication network connecting the client terminal and the affiliate server 100 and / or Alternatively, the wireless communication network performs a function of a card registration interface for registering the card registration application information for the customer to issue an affiliated card through leasing the card number.

According to another embodiment of the present invention, when the card registration system supports a non-face-to-face card registration application, the card registration terminal, in addition to the employee terminal and / or client terminal, a predetermined financial network (eg, 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. And a terminal (and / or standing) provided in at least one or more organizations affiliated with the card issuing organization, and / or further comprising a predetermined call terminal (not shown) connected to the card issuing organization. Burr (not shown) may be further included, whereby the present invention is not limited.

In the case of supporting a non-face-to-face card registration application as described above, when the card registration terminal is the financial automatic device (not shown), the financial automatic device (not shown) and the financial automatic device (not shown) And a financial network connecting the affiliate server 100 performs a function of a card registration interface for registering the card registration application information for the customer to issue an affiliate card through the lease of the card number, and / or the card registration. When the terminal is the call terminal (not shown), the wired telephone network and / or the wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the affiliate server 100 may be used by the customer. Performs a function of a card registration interface for registering card registration application information for issuing an affiliate card through number rental, and / or the card registration terminal In the case of a terminal (and / or server) (not shown) provided in an institution affiliated with the card issuing organization, the terminal (and / or server) (not shown) and the terminal (and / or server) (not shown) Network connecting the affiliate server 100 performs a function of a card registration interface for registering the card registration application information for issuing an affiliate card through the card number rental.

According to an embodiment of the present invention, the lease card number D / B 1760 provided to the card issuing affiliate institution is leased so that the card issuing institution is allocated to at least one affiliate card registered through the card issuing affiliate institution. It is preferable to include at least one or more card number, it is preferable that the card issuance further comprises card issue information leasing the lease card number.

Here, the rental card number, including all 16-digit card number, or the nine-digit serial number of the 16-digit card number (for example, the first four digits corresponding to the card issuing agency number and corresponding to the card type number) The next 2 digits and the remaining 9 digit serial number except the last 1 digit corresponding to the check digit), preferably including a predetermined number area, and according to the intention of the person skilled in the art In addition, it may include a rental card number that follows the other card number system.

In addition, the card issuing agency information is information for identifying at least one or more card issuing institutions that have leased the lease card number to the card issuing affiliate, and issuing at least one or more card numbers to the card issuing affiliate. If there is only one engine, it is possible to omit it and thereby the present invention is not limited.

In addition, the lease card number D / B (1760) that is provided to the card issuing agency in synchronization with the lease card number D / B (1760) provided in the card issuing affiliate institution is the card issuing affiliated agency It is preferably made to include at least one or more card numbers leased to be assigned to at least one or more affiliate cards registered through, it is preferable that the lease card number further comprises card issuing affiliated information to lease.

Here, the lease card number, preferably comprises the same information configuration as the lease card number D / B (1760) provided in the card issuing affiliate institution, the lease card number is predetermined in the affiliate server 100 When assigned to an affiliate card, it is preferable to synchronize with the rental card number D / B (1760) provided in the card issuing affiliate.

In addition, the card issuing affiliate information is information for identifying at least one or more card issuing affiliate institutions to lease at least one or more card numbers in the card issuing authority, the card issuing affiliate institution to lease at least one or more card numbers In this case, it is possible to omit and the present invention is not limited thereby.

The storage medium 1765 provided in the card issuing affiliate institution issues a predetermined alliance card to the customer based on the card registration application information provided from the card registration terminal, and then the customer information according to the issuance of the alliance card. And affiliated card issuance information including at least one affiliated card information and card attribute information, wherein the affiliated card issuance information stored in the storage medium 1765 is leased by the card issuing agency. It is used to provide affiliate card related services through.

According to another exemplary embodiment of the present invention, the storage medium 1765 may be connected to a predetermined DBMS interoperating with a server (or device) that performs a predetermined information processing function using the affiliated card issuing information in the card issuing affiliated institution. In this case, the storage medium 1765 may be provided at various positions according to the intention of those skilled in the art, and the present invention is not limited thereto.

The affiliate server 100 provided in the card issuing affiliate institution is a generic term for the card issuing affiliate institution component connected to the card registration terminal 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 affiliate server 100 is provided with an interface unit 1700 (or interface means) for providing a predetermined card registration interface to the card registration terminal through the network means. do.

When the card registration terminal is an employee terminal connected to a predetermined financial network according to an exemplary embodiment of the present invention, the interface unit 1700 communicates with the employee terminal based on a protocol stack defined in the financial network. It is desirable to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in the card registration application program provided in the employee terminal.

According to another embodiment of the present invention, when the card registration terminal is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 1700 is based on the protocol stack defined in the wired communication 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 provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 1700 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 a predetermined card registration application program provided by the affiliate server 100 is provided in the client terminal, the interface unit 1700 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 registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 1700 is based on a protocol stack defined in the wireless communication network. It is preferable to connect a predetermined communication channel with the client terminal, and to provide a communication interface for transmitting and receiving at least one or more 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 1700 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 registration application program provided by the affiliate server 100, the interface unit 1700 connects a communication channel with the client terminal based on the CDMA protocol, and the communication program Provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in.

Referring to FIG. 17, the affiliate server 100 is connected with the interface unit 1700 when a predetermined card registration terminal is connected to the affiliate server 100 through the interface unit 1700. An interface providing unit 1705 (or interface providing means) for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined card registration application information to the card registration terminal; An information receiving unit 1710 (or information receiving means) for receiving predetermined card registration application information transmitted (or selected) from the card registration terminal via the user interface in association with the interface unit 1700; Validation unit 1715 (or validity) for checking the validity of issuing the affiliate card to the customer based on the registered card registration application information Last name authentication means) and a card number assignment unit for allocating a predetermined rental card number among at least one rental card number provided in the rental card number D / B 1760 as an affiliate card number for the registered affiliate card ( 1725 (or card number assignment means), a card information generation unit 1730 (or information generation means) for generating predetermined affiliate card information including the affiliate card number, and the card issuance corresponding to the affiliate card. A predetermined card including a usage amount set to be assigned to the customer by the affiliated organization and an approval target for each of the usage amount limits (or usage set means); and a predetermined card including the affiliated card information. The applet generating unit 1740 (or applet generating means) for generating an applet (or IC chip storage information) and the card applet (or IC chip storage information) are transferred through a predetermined wireless communication network. A card issuing unit 1750 (or card issuing means) for issuing the alliance card by providing the card to a wireless IC chip provided to the customer wireless terminal and corresponding to the alliance card issued to the customer. And an information storage unit 1780 (or information storage means) for storing the association card issuance information in the storage medium 1765.

In addition, after the predetermined affiliate card is issued through the card issuing unit 1750, the affiliate server 100 may perform the predetermined communication means (for example, a dedicated communication network or a secure communication network based on encrypted communication). The card company server 110 provided in the card issuing organization is characterized in that it comprises an information transmitting and receiving unit 1720 for transmitting the customer information, card information, and card attribute information corresponding to the partnership card.

In addition, the information transmitting and receiving unit 1720 is a rental card number D / B (1760) provided to the card issuing organization through the communication means, when a predetermined cooperation card number is assigned by the card number assignment unit 1725 ) By sending the affiliate card number to a DBMS (or DB server) managing the lease card number D / B (1760) provided in the card issuing agency and the lease card number D / B provided in the card issuing affiliate Synchronizing (1760) is preferred.

In addition, when the predetermined partner card number is assigned by the card number assignment unit 1725, the information transmitting and receiving unit 1720, through the communication means to the card company server 110 provided in the card issuing agency the card The affiliate card number assigned by the number assignment unit 1725 is transmitted, and a card verification value (or verification code) corresponding to the affiliate card number from the card company server 110 (eg, a CVV (Card Verification) of a visa card. Value), CVC (Card Validation Code) of the master card, CID (Confidential Identifier Number or Card Identification Number) of the American Express card, and the like, and the card verification value (or verification code) in the rental card number ), The function of transmitting and receiving the card verification value (or verification code) for the association card number may be omitted.

The interface providing unit 1705 provides the card registration application information in response to a function configuration provided in the card registration terminal when a predetermined card registration terminal is connected to the affiliate server 100 through the interface unit 1700. Generate a predetermined user interface which can be input (or selected) and transmitted to the affiliate server 100 via the network means, and / or extracted from a predetermined database (not shown), and with the interface unit 1700 And providing the generated (or extracted) user interface to the card registration terminal through the network means.

Thereafter, the card registration terminal inputs (or selects) the card registration application information based on the user interface, and transmits the input (or selected) card registration application information to the affiliate server 100 through the network means. send.

When the card registration terminal is an employee terminal connected to a predetermined financial network according to an exemplary embodiment of the present invention, the interface providing unit 1705 may provide a predetermined user interface that can be provided by a card registration application program provided in the employee terminal. It is preferable to generate (or extract) and provide the user interface generated (or extracted) to the employee terminal through the interface unit 1700.

According to another exemplary embodiment of the present invention, when the card registration terminal is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface providing unit 1705 includes a browser program and / or provided in the client terminal. 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 1700.

According to another exemplary embodiment of the present invention, when the card registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 1705 includes 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 1700.

When the information receiving unit 1710 inputs (or selects) predetermined card registration application information through the user interface from the card registration terminal and transmits the information through the network means, the card registration unit interlocks with the interface unit 1700 to register the card. Characterized by receiving the application information, and provides the received card registration application information to the validity authentication unit 1715.

According to an embodiment of the present invention, the card registration application information includes at least one or more card information of the card registration customer, customer wireless terminal information, and various card property information for setting card properties for the affiliated card. .

Here, the customer information is personal information of the card registered customer (for example, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.), and the customer has subscribed to the affiliate server 100. It is preferable to include at least one member information (eg, member ID information).

In addition, the customer wireless terminal information is unique information of the customer wireless terminal equipped with a wireless IC chip capable of recording a card applet (or IC chip storage information) (for example, wireless terminal telephone number, address information, or identification information, Or at least one of ID information, etc.), and a card applet corresponding to the affiliate card by a wireless terminal corresponding to the customer wireless terminal information for issuing a predetermined affiliate card through the card number rental. Or IC chip storage information).

Further, the card attribute information for the affiliate card may be assigned to a credit card attribute, a check card attribute, a debit card attribute, a cash card attribute, or a prepaid card firing. It is preferable to include at least one or more attribute setting information to be provided.

For example, when assigning a credit card attribute to the affiliate card, the card attribute information may include credit inquiry consent information for issuing the affiliate card, and assigns a check card / debit card / cash card attribute to the affiliate card. In the case of granting, the card attribute information may include customer account information associated with the affiliate card. When the prepaid card attribute is assigned to the affiliate card, the card attribute information may be set to the affiliate card. It may include a prepaid card charging information for charging.

According to another embodiment of the present invention, when the card attribute is fixed by the card issuing affiliate (or card issuing authority) or is set in a policy, the card attribute information may be omitted, thereby limiting the present invention. Not.

The validity authentication unit 1715 checks the validity of issuing the alliance card to the customer based on the customer information and the customer wireless terminal information included in the received card registration application information.

According to the implementation method of the present invention, the validity confirmation for issuing the alliance card to the customer, based on the customer name and resident registration number included in the customer information, a predetermined real name verification server (not shown) It is preferable to include a) to confirm the real name of the customer in conjunction with).

In addition, when the affiliated card includes a credit card attribute, the validity check for issuing the affiliated card to the customer is based on a predetermined communication means based on the customer information. It is preferable to include the check the credit information of the customer in conjunction with).

In addition, when the affiliate card includes a check card / debit card attribute, the validity check for issuing the affiliate card to the customer is performed based on the customer information. It is preferable that the customer account linked to the debit card is linked to a financial institution server (not shown) that is opened to check whether the customer account is opened and normally operated.

In addition, validity confirmation for issuing the alliance card to the customer includes subscriber management means (for example, subscriber information D / B (not shown) and subscription management server (not shown)) on the wireless communication network corresponding to the customer wireless terminal information. Etc.), it is preferable to include checking whether the customer wireless terminal information is valid.

The card number allocator 1725 is configured to store at least one rental card number based on the card registration application information received through the information receiver 1710 from the lease card number D / B 1760. Identify a predetermined lease card number to be assigned to the card, generate (or extract) a predetermined affiliate card number including the lease card number, and assign the card to the affiliated card; 1720 transfers the card number assigned to the affiliated card number to a DBMS (or DB server) managing the lease card number D / B 1760 provided to the card issuing institution to lease provided to the card issuing affiliated institution. The card number D / B 1760 and the rental card number D / B 1760 provided in the card issuing institution are synchronized.

According to an embodiment of the present invention, when the lease card number D / B 1760 is provided with a 16-digit lease card number, the card number assignment unit 1725 uses a predetermined lease card number among the lease card numbers. It is preferable to extract the association card number.

According to another embodiment of the present invention, when the rental card number D / B 1760 is provided with a rental card number including a 9-digit serial number of the 16-digit card number, the card number assignment unit 1725 is It is preferable to generate a predetermined affiliate card number including a rental card number, a card issuing agency information number, a card type number, and a check digit corresponding to the nine-digit serial number.

If the person having ordinary knowledge in the technical field to which the present invention belongs, if the lease card number follows a card number system other than the 16-digit card number, the lease card number to the affiliated card number according to the card number system Various implementation methods may be inferred, and the present invention is characterized by including all implementation methods inferred.

According to the exemplary embodiment of the present invention, when a predetermined cooperation card number is assigned by the card number assignment unit 1725, the information transmission / reception unit 1720 is a card company server provided in the card issuer through the communication means ( The affiliate card number assigned by the card number assignment unit 1725 is transmitted to the card number assignment unit 1725, and a card verification value (or verification code) corresponding to the affiliate card number is transmitted from the card company server 110 (eg, a visa card). It is preferable to receive the CVV (Card Verification Value), Master Card CVC (Card Validation Code), American Express Card CID (Confidential Identifier Number or Card Identification Number), and the card verification value in the rental card number (Or verification code) or when the card number assignment unit 1725 includes the function for generating the card verification value (or verification code), the information transmitting / receiving unit 1720 may be damaged. The function of transmitting / receiving a card verification value (or verification code) for the existing affiliate card number may be omitted.

When the association card number is generated (or extracted) as described above, the card information generation unit 1730 generates predetermined association card information including the association card number.

According to an embodiment of the present invention, the affiliate card information includes at least one affiliate card number, a card verification value (or verification code), the card expiration date (some may be omitted), and card issuer information (or code). It is preferable to make it.

For example, the card number (although some exceptions exist) preferably includes a four-digit card issuing organization number, a two-digit card type number, a nine-digit serial number, and a check digit.

The expiration date information is preferably made to include the period (or expiration date and time) that can be used for the affiliate card, it may be omitted if the expiration date does not exist in the affiliate card, thereby the present invention is not limited .

The card issuing organization information (or code) preferably comprises at least one or more unique numbers (or unique codes) assigned to the card issuing organization (or financial company) that issues the affiliate card to the customer.

When predetermined affiliated card information included in the affiliated card is generated by the card information generating unit 1730, the utilization setting unit 1735 sets a predetermined amount of money according to the utilization policy of the card issuing affiliated institution. Characterized in that the issuing affiliated institution is set to the usage amount that is assigned to the affiliated card.

Alternatively, the utilization setting unit 1735 may determine the customer grade set by the card issuing affiliate institution or the loyalty of the customer to the card issuing affiliate institution based on the customer information included in the card registration application information. In consideration of the above, the predetermined amount is set as a usage amount which the card issuing affiliate institution gives to the affiliate card.

Alternatively, the utilization setting unit 1735 checks the credit level of the customer in association with at least one credit evaluation server (not shown) based on the customer information included in the card registration application information, and then corresponds to the credit level. It is characterized by setting a certain amount of money to the utilization amount that the card issuing affiliated organization gives to the affiliated card.

Alternatively, the utilization setting unit 1735 checks the account balance of the customer in connection with at least one financial company server (not shown) based on the customer information included in the card registration application information, and then corresponds to the account balance. It is characterized by setting a certain amount of money to the utilization amount that the card issuing affiliated organization gives to the affiliated card.

Alternatively, the utilization setting unit 1735 requests the credit limit amount information of the customer from the card company server 110 provided in the card issuing agency based on the customer information included in the card registration application information. Characterized in that a certain percentage of the amount corresponding to the credit limit amount to be confirmed is characterized in that the card issuance affiliated institutions to set the amount of the usage amount that the affiliated card.

Those skilled in the art to which the present invention pertains, in addition to the usage setting method described above, it is possible to infer various implementation methods in which the card issuing affiliate institution gives a predetermined usage amount to the affiliate card. The invention is characterized in that it comprises all the methods of inference.

According to the exemplary embodiment of the present invention, the utilization setting unit 1735 sets approval target information for each limit including at least one or more affiliate store information (or affiliate store group information) to be processed for payment through the set utilization amount. And / or to set the per-approval target information including at least one or more one-time payment amount or daily / weekly / monthly payment amount to be processed through the set utilization amount, and / or the affiliate card is online. Limit to allow the payment amount to be processed through the utilization amount when the payment is made through the payment channel, or to process the payment amount through the utilization amount when the payment is processed through the offline payment channel. It is desirable to set the approval target information.

According to another exemplary embodiment of the present invention, the approval target information for each limit may include information for first subtracting the payment amount through the affiliate card from the usage amount regardless of the payment condition corresponding to the affiliate card. It is possible, and the invention is not limited thereby.

When predetermined affiliated card information included in the affiliated card is generated by the card information generator 1730, the applet generator 1740 includes a predetermined card applet (or IC chip storage information) including the associated card information. The card applet (or IC chip storage information) is recorded in a wireless IC chip provided in the customer wireless terminal and is a file structure operable on a chip operating system (COS) on the wireless IC chip. It is preferable to comprise a.

When the card applet (or IC chip storage information) is generated by the applet generating unit 1740, the card issuing unit 1750 sends the card to the customer wireless terminal through a wireless communication network corresponding to the customer wireless terminal information. By sending an applet (or IC chip storage information), the customer wireless terminal records the card applet (or IC chip storage information) on a wireless IC chip provided in the wireless terminal to issue the affiliate card to the customer. It is characterized by.

Thereafter, the information storage unit 1745 stores the customer information included in the card registration application information received from the customer through the information receiving unit 1710, the generated affiliate card information, card attribute information for the affiliate card, Characterized in that the storage card 1765 stores the affiliate card issuance information including at least one of the usage amount information and the limit-specific approval target information for the affiliate card.

Here, the customer information included in the affiliated card issuance information includes personal information of the card registered customer (for example, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.), and the customer At least one member information (for example, member ID information) subscribed to the affiliate server 100 may be included.

In addition, the card attribute information included in the affiliate card issuance information may be assigned to a credit card attribute, a check card attribute, a debit card attribute, a cash card attribute, or prepaid. At least one attribute setting information for imparting card firing is preferably included.

For example, when assigning a credit card attribute to the affiliate card, the card attribute information includes various attribute information (eg, credit limit, etc.) for use in payment through a credit card payment system for issuing the affiliate card. When the check card / debit card / cash card attribute is given to the affiliate card, the card attribute information may include customer account information associated with the affiliate card, and the prepaid card attribute is added to the affiliate card. In the case of granting, the card attribute information may include information on the amount of charge charged in the affiliate card.

Those skilled in the art will be able to infer various technical configurations of the card attribute information, so a detailed description thereof will be omitted.

In addition, the utilization amount information for the affiliated card is preferably made to include a predetermined amount of the limit given to the affiliated card by the card issuing affiliated institution, and then a part (or all) of the utilization amount is the card. It is preferable to deposit in the form of a customer allowance from the issuing affiliate institution to the card issuer.

According to an exemplary embodiment of the present invention, the approval target information for each limit includes at least one merchant information (or merchant group information), payment amount information, online / offline payment channel information, etc. to be paid and processed through the utilization amount. It is preferable to comprise at least one or more.

According to another exemplary embodiment of the present invention, the approval target information for each limit may include information for first subtracting the payment amount through the affiliate card from the usage amount regardless of the payment condition corresponding to the affiliate card. It is possible, and the invention is not limited thereby.

Referring to FIG. 17, a card company server 110 of a card issuing organization connected to the affiliate server 100 through a predetermined communication means receives a predetermined affiliate card number from the affiliate server 100 through the communication means. An information transmitting / receiving unit 1770 (or an information receiving unit) that receives (or receives a card verification value (or verification code) request information) and the predetermined information from the affiliate server 100 through the information transmitting / receiving unit 1770. When receiving an affiliate card number (or when a card verification value (or verification code) is requested), a verification card information generation unit generating a predetermined card verification value (or verification code) corresponding to the affiliate card number ( 1730, wherein the information transmitting and receiving unit 1770 (or information transmitting means) transmits a card verification value (or verification code) corresponding to the affiliate card number to the affiliate server 100. It is characterized by.

In the technical field to which the present invention pertains, the verification card information generating unit 1730 is the CVV (Card Verification Value) of the Visa card, Master Card CVC (Card Validation Code), Since you will be familiar with the technical features for generating a card verification value (or verification code) including at least one CID (Confidential Identifier Number or Card Identification Number), a detailed description thereof will be omitted for convenience.

Referring to FIG. 17, a card company server 110 of a card issuing organization connected to the affiliate server 100 through a predetermined communication means is connected to the issued affiliate card from the affiliate server 100 through the communication means. An information sending / receiving unit 1770 (or information receiving means) for receiving affiliate card issuance information including at least one corresponding customer information, affiliate card information, and card attribute information corresponding to the affiliate card; and the received customer information. And an information storage unit 1780 for storing, in the predetermined card information D / B 1790, the affiliate card operation information in which the affiliated card information and the card attribute information are linked to the affiliated agency information corresponding to the card issuing affiliated institution. Characterized in that made.

Referring to FIG. 17, the card company server 110 of the card issuing organization connected to the affiliate server 100 through a predetermined communication means may limit the predetermined card limit amount and the card limit amount for the affiliate card. The card limit setting unit 1785 (or card limit setting means) for setting an approval target for each card, and the card limit amount information and the approval target information for each limit on the card limit amount in the partnership card operation information. An information storage unit 1780 (or information storage means) for storing in the information D / B 1790, and information about the target amount of approval of the card limit amount information and the limit value of the card limit amount through the communication means. Characterized in that it comprises an information transmitting and receiving unit 1770 (or information transmission means) for transmitting to (100).

When the affiliated card includes a credit card attribute, the card limit setting unit 1785 checks the credit level of the customer who is issued the affiliate card, and then sets a predetermined credit limit amount corresponding to the credit limit of the card. It characterized in that it is set to.

Alternatively, when the affiliated card includes a check card / debit card attribute, the card limit setting unit 1785 checks a customer account associated with the affiliated card and sets the customer account balance as the card limit amount. It is characterized by.

According to the exemplary embodiment of the present invention, the card limit setting unit 1785 may set approval target information for each limit including at least one or more affiliate store information (or affiliate store group information) to be processed for payment through the set credit limit amount. And / or to set a limit authorization information including at least one one-time payment amount or a daily / weekly / monthly payment amount to be processed through the set credit limit amount, and / or the affiliate card is online. Limit to allow payment through the card limit amount if the payment is made through the payment channel or to pay through the card limit amount if the payment is made through the offline payment channel. It is desirable to set the approval target information.

According to another exemplary embodiment of the present invention, the approval target information for each limit may be set to first subtract the payment amount through the affiliate card from the card limit amount, regardless of the payment condition corresponding to the affiliate card, or the affiliate server ( It is possible to include information to first subtract from the usage amount registered in 100), whereby the present invention is not limited.

Thereafter, the affiliated card management information stored in the card information D / B 1790 is used by the card issuing organization to provide a payment service or various additional services in association with at least one affiliated store.

According to an embodiment of the present invention, the card information D / B 1790 is preferably provided in a DBMS on a predetermined financial system provided in the card issuing institution (or associated with the card issuing institution). The card information D / B 1790 may be a ledger D / B provided in a DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, whereby the present invention is not limited thereto. No.

According to another exemplary embodiment of the present invention, the card information D / B 1790 may include an online payment system, and / or a WAP-based wireless payment system, and / or an IC chip provided in (or associated with) the card issuer. It is possible to be provided in the DBMS on at least one or more of the base wireless payment system, and / or the tele payment system, whereby the present invention is not limited.

According to another embodiment of the present invention, the card information D / B 1790 is an internet banking system, and / or a telebanking system, and / or a wireless banking system provided (or associated with) the card issuer. It is possible to be provided in the DBMS on at least one banking system of, and / or a TV banking system, whereby the present invention is not limited.

18 is a diagram illustrating a card registration process for issuing an affiliate card through card number rental according to an embodiment of the present invention.

In more detail, in FIG. 18, a predetermined customer creates a predetermined card registration application through a face-to-face card registration interface (e.g., the card registration application, employee terminal, and network means) in the card registration system shown in FIG. When the affiliated employee submits (or selects) the card registration application information corresponding to the card registration application through a predetermined card registration terminal and transmits it to the affiliated server 100, the affiliated server ( 100 shows a process of issuing a predetermined affiliate card through the card number rental to the customer based on the card registration application information, specifically, the rental card number D / B (1760) storing the rental card number. ) Is also provided to the card issuing affiliate institution, and is also provided to the card issuing agency, the rental card number D / B (176) FIG. 1 shows a method of registering / issuing the affiliate card by synchronizing 0).

Those skilled in the art to which the present invention pertains can refer to various drawings and / or modify this drawing 18 to infer various implementation methods for issuing the affiliate card for issuance of the affiliate card through lease of the card number. However, the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

For example, FIG. 18 illustrates that the affiliated card is produced and provided (or delivered) to the customer, and then the affiliated card issuance information is stored in the storage medium 1765. The process of storing the predetermined affiliate card issuance information in the storage medium 1765 may be performed before the affiliate card is produced or before the affiliate card is produced (or delivered) to the customer. The present invention is not limited.

Hereinafter, in FIG. 18, the card registration terminal shown in FIG. 17 is called "terminal" for convenience, and the affiliate server 100 is called "server" for convenience.

Referring to FIG. 18, in order to issue the affiliated card for issuing the affiliated card through leasing the card number, the customer is prescribed through a face-to-face card registration interface (eg, the card registration application and the employee terminal and network means). When a card registration application (for example, a document having a form for filling in at least one information item for issuance of an affiliate card through lease of the card number) is completed and submitted to an affiliated employee, the terminal is connected by the affiliated employee. The card registration application information corresponding to the card registration application prepared by the customer is input (or selected) through a predetermined user interface (1800), and the card registration application information is transmitted to the server through the network means (1805). .

According to an embodiment of the present invention, the card registration application information includes customer information of the card registration customer and at least one or more kinds of card attribute information for setting card attributes for the affiliated card.

Here, the customer information is personal information of the card registered customer (for example, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.), and the customer has subscribed to the affiliate server 100. It is preferable to include at least one member information (eg, member ID information).

In addition, the customer wireless terminal information is unique information of the customer wireless terminal equipped with a wireless IC chip capable of recording a card applet (or IC chip storage information) (for example, wireless terminal telephone number, address information, or identification information, Or at least one of ID information, etc.), and a card applet corresponding to the affiliate card by a wireless terminal corresponding to the customer wireless terminal information for issuing a predetermined affiliate card through the card number rental. Or IC chip storage information).

Further, the card attribute information for the affiliate card may be assigned to a credit card attribute, a check card attribute, a debit card attribute, a cash card attribute, or a prepaid card firing. It is preferable to include at least one or more attribute setting information to be provided.

For example, when assigning a credit card attribute to the affiliate card, the card attribute information may include credit inquiry consent information for issuing the affiliate card, and assigns a check card / debit card / cash card attribute to the affiliate card. In the case of granting, the card attribute information may include customer account information associated with the affiliate card. When the prepaid card attribute is assigned to the affiliate card, the card attribute information may be set to the affiliate card. It may include a prepaid card charging information for charging.

According to another embodiment of the present invention, when the card attribute is fixed by the card issuing affiliate (or card issuing authority) or is set in a policy, the card attribute information may be omitted, thereby limiting the present invention. Not.

Thereafter, the server receives and reads the card registration request information from the terminal through the network means and issues the affiliated card through leasing the card number to the customer based on the customer information included in the card registration request information. The card registration validity for issuing the affiliate card is verified (1810).

According to the method of the present invention, the validity confirmation for issuing the affiliate card to the customer, based on the customer name and resident registration number included in the customer information, a predetermined real name verification server (shown through the communication means) And confirming the real name of the customer.

In addition, when the affiliated card includes a credit card attribute, the validity check for issuing the affiliated card to the customer is based on a predetermined communication means based on the customer information. It is preferable to include the check the credit information of the customer in conjunction with).

In addition, when the affiliate card includes a check card / debit card attribute, the validity check for issuing the affiliate card to the customer is performed based on the customer information. It is preferable that the customer account associated with the card is formed in connection with a financial institution server (not shown) opened and confirming whether the customer account is opened and normally operated.

In addition, validity confirmation for issuing the alliance card to the customer includes subscriber management means (for example, subscriber information D / B (not shown) and subscription management server (not shown)) on the wireless communication network corresponding to the customer wireless terminal information. Etc.), it is preferable to include checking whether the customer wireless terminal information is valid.

If the validity to issue the affiliate card to the customer is not authenticated through the card registration application information (1815), the server provides card registration error information to the customer through the card registration interface (1820). Stop issuing the affiliate card to the customer.

On the other hand, if the validity for issuing the affiliate card to the customer is authenticated through the card registration application information (1815), the server stores the at least one rental card number based on the card registration application information. Extract the lease card number to be assigned to the affiliate card from the D / B 1760 and assign it to the affiliate card number, and assign the card number assigned to the affiliate card number based on the card registration application information through the communication means. The lease card number D / B (1760) provided in the card issuing agency and the lease card number D / B (1760) provided in the card issuing agency and the card issuing agency The number D / B 1760 is synchronized (1825).

Thereafter, the server transmits the affiliate card number to the card company server 110 that has leased the lease card number through the communication means, and then a verification value (or verification code) corresponding to the affiliate card number to the card company server 110. Request a card verification value (or verification code) corresponding to the affiliate card number from the card company server 110 (or 1830), and the affiliate card number and card verification value (or verification code). Predetermined affiliate card information is generated (1835).

Here, the affiliated card information may include a card number (eg, 16-digit card number) corresponding to the affiliated card, the received card verification value (or verification code), expiration date information (some may be omitted), and card issuer information ( Or code).

For example, the card number (although some exceptions exist) preferably includes a four-digit card issuing organization number, a two-digit card type number, a nine-digit serial number, and a check digit.

The expiration date information is preferably made to include the period (or expiration date and time) that can be used for the affiliate card, it may be omitted if the expiration date does not exist in the affiliate card, thereby the present invention is not limited .

The card issuing organization information (or code) preferably comprises at least one or more unique numbers (or unique codes) assigned to the card issuing organization (or financial company) that issues the affiliate card to the customer.

Thereafter, the server sets usage amount information including a predetermined limit amount assigned to the affiliate card by the card issuing affiliate institution and approval target information for each limit on the utilization amount (1840).

According to the implementation method of the present invention, the server preferably sets a certain amount of money to be used by the card issuing affiliate to the affiliated card according to the utilization policy of the card issuing affiliate.

Alternatively, the server may set the predetermined amount in consideration of the customer grade set by the card issuing affiliate institution or the loyalty of the customer to the card issuing affiliate institution based on the customer information included in the card registration application information. It is preferable that the card issuance affiliated institution set the usage amount to be assigned to the affiliated card.

Alternatively, the server checks the credit rating of the customer in connection with at least one credit rating server (not shown) based on the customer information included in the card registration application information, and then, the server determines a predetermined amount of money corresponding to the credit rating. It is preferable that the card issuance affiliated institution set the usage amount to be assigned to the affiliated card.

Alternatively, the server checks the account balance of the customer in connection with at least one financial company server (not shown) based on the customer information included in the card registration application information, and then sets a predetermined amount of money corresponding to the account balance. It is preferable that the card issuance affiliated institution set the usage amount to be assigned to the affiliated card.

Or, the server requests the credit limit amount information of the customer to the card company server 110 provided in the card issuing agency based on the customer information included in the card registration application information, and the credit limit amount to be confirmed It is preferable to set the corresponding fixed amount of money to the utilization amount that the card issuing affiliate institution gives to the affiliate card.

Those skilled in the art to which the present invention pertains, in addition to the usage setting method described above, it is possible to infer various implementation methods in which the card issuing affiliate institution gives a predetermined usage amount to the affiliate card. It is preferable that the invention includes all the methods of inferring the above.

According to an exemplary embodiment of the present invention, the server sets approval target information for each limit including at least one or more affiliate store information (or affiliate store group information) to be processed for payment through the set utilization amount, and / or the set Set per-approval authorization information that includes at least one one-time payment amount, or at least one daily / weekly / monthly payment amount through a usage amount; and / or the affiliate card processes payment through an online payment channel. If the payment amount is processed through the utilization amount, or if the payment is processed through the offline payment channel, the approval target information for each limit to allow the payment amount to be processed through the utilization amount. It is preferable to set.

According to another exemplary embodiment of the present invention, the approval target information for each limit may include information for first subtracting the payment amount through the affiliate card from the usage amount regardless of the payment condition corresponding to the affiliate card. It is possible, and the invention is not limited thereby.

If the utilization amount information for the affiliate card and the authorization target information for each limit on the utilization amount are set (1845), the server may include a predetermined card applet including the generated (or extracted) affiliate card information ( Or IC chip storage information) (1850), and the generated card applet (or IC chip storage information) to the customer wireless terminal through a wireless communication network corresponding to the customer wireless terminal information included in the card registration application information. Transmit (1855).

Here, the card applet (or IC chip storage information) preferably includes a file structure recorded on a wireless IC chip provided in the customer wireless terminal and operable on a chip operating system (COS) on the wireless IC chip.

According to an embodiment of the present invention, the server reads the customer wireless terminal information included in the card registration application information to check a wireless communication network corresponding to the customer wireless terminal information, and provides a predetermined applet connected to the wireless communication network. It is preferable to transmit the generated card applet (or IC chip storage information) to the customer wireless terminal through the server 1755.

Those skilled in the art to which the present invention pertains, various methods of transmitting the card applet (or IC chip storage information) from the applet providing server 1755 to the customer wireless terminal (eg, wireless message and The card applet (or IC chip storage information) transmission using the callback URL) may be inferred, but the present invention is characterized by including all implementation methods inferred.

Thereafter, the customer wireless terminal records the received card applet (or IC chip storage information) on a wireless IC chip provided in the corresponding wireless terminal, thereby issuing an affiliate card corresponding to the card applet (or IC chip storage information). (1860).

Thereafter, the server issuing an affiliate card including at least one of customer information included in the card registration application information provided from the customer through the card registration interface, the generated affiliate card information, and card attribute information of the affiliate card. Information is stored in the storage medium 1765 (1865).

Here, the customer information included in the affiliated card issuance information may include personal information (for example, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.) of the card registration customer, and the customer. It is preferable to include at least one member information (for example, member ID information) subscribed to the affiliate server 100.

In addition, the card attribute information included in the affiliate card issuance information may be assigned to a credit card attribute, a check card attribute, a debit card attribute, a cash card attribute, or prepaid. At least one attribute setting information for imparting card firing is preferably included.

For example, when assigning a credit card attribute to the affiliate card, the card attribute information includes various attribute information (eg, credit limit, etc.) for use in payment through a credit card payment system for issuing the affiliate card. When the check card / debit card / cash card attribute is given to the affiliate card, the card attribute information may include customer account information associated with the affiliate card, and the prepaid card attribute is added to the affiliate card. In the case of granting, the card attribute information may include information on the amount of charge charged in the affiliate card.

Those skilled in the art will be able to infer various technical configurations for the card attribute information, so a detailed description thereof will be omitted.

In addition, the utilization amount information for the affiliated card is preferably made to include a predetermined amount of the limit given to the affiliated card by the card issuing affiliated institution, and then a part (or all) of the utilization amount is the card. It is preferable to deposit in the form of a customer allowance from the issuing affiliate institution to the card issuer.

According to an exemplary embodiment of the present invention, the approval target information for each limit includes at least one merchant information (or merchant group information), payment amount information, online / offline payment channel information, etc. to be paid and processed through the utilization amount. It is preferable to comprise at least one or more.

According to another exemplary embodiment of the present invention, the approval target information for each limit may include information for first subtracting the payment amount through the affiliate card from the usage amount regardless of the payment condition corresponding to the affiliate card. It is possible, and the invention is not limited thereby.

Thereafter, the server issues the at least one affiliate card including at least one of customer information corresponding to the affiliate card, card information, and card attribute information to the card company server 110 through the communication means. The card company server 110 transmits the information (1870), and stores the affiliate card operation information, which further includes the card issuing affiliate information, in the predetermined card information D / B 1790. (1875).

In addition, the card company server 110 sets predetermined card limit amount information for the affiliated card and approval target information for each limit on the card limit amount (1880).

According to an embodiment of the present invention, when the affiliate card includes a credit card attribute, the card company server 110 checks the credit rating of the customer who is issued the affiliate card, and then predetermined credit limit corresponding to the customer credit rating. It is preferable to set the amount of money to the card limit amount of money.

According to another embodiment of the present invention, when the affiliate card includes a check card / debit card attribute, the card company server 110 checks the customer account associated with the affiliate card, and stores the customer account balance on the card. It is preferable to set the limit amount.

In addition, the card company server 110 sets the permissible information for each limit including at least one or more merchant information (or merchant group information) to be settled through the set credit limit amount, and / or the set credit limit. Setting a per-approval target information that includes at least one payment amount per day or at least one daily / weekly / monthly payment amount, and / or the affiliate card is processed through an online payment channel. If the payment amount is processed through the card limit amount, or if the payment is processed through the offline payment channel, setting the target information for each limit to allow the payment amount to be processed through the card limit amount. It is preferable.

According to another exemplary embodiment of the present invention, the card company server 110 allows the approval target information for each limit to be first subtracted from the card limit amount of the payment amount through the affiliate card regardless of the payment condition corresponding to the affiliate card. Or, it may be made to include information to first subtract from the usage amount registered in the affiliate server 100, whereby the present invention is not limited.

If the predetermined card limit amount information for the affiliated card and the approval target information for each limit on the card limit amount are set (1885), the card company server 110 may determine the card limit amount information and the card limit amount. The authorization target information for each limit is included in the affiliated card operation information and stored in the card information D / B 1790 (1890).

According to an embodiment of the present invention, the card information D / B 1790 is preferably provided in a DBMS on a predetermined financial system provided in the card issuing institution (or associated with the card issuing institution). The card information D / B 1790 may be a ledger D / B provided in a DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, thereby limiting the present invention. Not.

According to another exemplary embodiment of the present invention, the card information D / B 1790 may include an online payment system, and / or a WAP-based wireless payment system, and / or an IC chip provided in (or associated with) the card issuer. It is possible to be provided in the DBMS on at least one or more of the base wireless payment system, and / or the tele payment system, whereby the present invention is not limited.

According to another embodiment of the present invention, the card information D / B 1790 is an internet banking system, and / or a telebanking system, and / or a wireless banking system provided (or associated with) the card issuer. It is possible to be provided in the DBMS on at least one banking system of, and / or a TV banking system, whereby the present invention is not limited.

Thereafter, the card company server 110 transmits the set card limit amount information and the authorization target information for each limit on the card limit amount to the server through the communication means (1895). The affiliated card issuance information stored in the medium 1765 further stores the card limit amount information and the authorization target information for each limit on the card limit amount (1899).

19 is a diagram illustrating a card registration process for issuing an affiliate card through card number rental according to another embodiment of the present invention.

In more detail, FIG. 19 shows a non-face-to-face card registration interface (eg, client terminal and network means including at least one of a wired terminal and / or a wireless terminal) in which a predetermined customer in the card registration system shown in FIG. When accessing the affiliate server 100 through the input (or select) the predetermined card registration application information and transmits, the affiliate server 100 leases the card number to the customer based on the card registration application information As a process for issuing a predetermined affiliate card through the above, specifically, the rental card number D / B 1760 for storing the rental card number is provided in the card issuing affiliate institution and is also provided in the card issuing institution. The method of registering / issuing the affiliated card by synchronizing the rental card number D / B 1760 is illustrated.

Those of ordinary skill in the art to which the present invention pertains can deduce various implementation methods for issuing the alliance card for issuance of the alliance card through the lease of the card number by referring to and / or modifying the drawing 19. However, the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

For example, FIG. 19 illustrates that the affiliated card is produced and provided (or shipped) to the customer, and then the affiliated card issuance information is stored in the storage medium 1765. The process of storing the predetermined affiliate card issuance information in the storage medium 1765 may be performed before the affiliate card is produced or before the affiliate card is produced (or delivered) to the customer. The present invention is not limited.

Hereinafter, in FIG. 19, the card registration terminal shown in FIG. 17 is referred to as a "terminal" for convenience, and the affiliate server 100 is referred to as a "server" for convenience.

Referring to FIG. 19, the customer accesses the server through a predetermined terminal to connect a communication channel for card registration application, and the affiliate card for issuing an affiliate card through leasing the card number through the communication channel. The application is issued (1900), and in response, the server generates (or extracts) a user interface for issuing the alliance card and provides it to the terminal through the communication channel (1905).

Thereafter, the terminal receives (or selects) the card registration request information through the user interface and transmits the input (or select) the card registration request information to the server through the communication channel (1910).

According to an embodiment of the present invention, the card registration application information includes customer information of the card registration customer and at least one or more kinds of card attribute information for setting card attributes for the affiliated card.

Here, the customer information is personal information of the card registered customer (for example, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.), and the customer has subscribed to the affiliate server 100. It is preferable to include at least one member information (eg, member ID information).

In addition, the customer wireless terminal information is unique information of the customer wireless terminal equipped with a wireless IC chip capable of recording a card applet (or IC chip storage information) (for example, wireless terminal telephone number, address information, or identification information, Or at least one of ID information, etc.), and a card applet corresponding to the affiliate card by a wireless terminal corresponding to the customer wireless terminal information for issuing a predetermined affiliate card through the card number rental. Or IC chip storage information).

Further, the card attribute information for the affiliate card may be assigned to a credit card attribute, a check card attribute, a debit card attribute, a cash card attribute, or a prepaid card firing. It is preferable to include at least one or more attribute setting information to be provided.

For example, when assigning a credit card attribute to the affiliate card, the card attribute information may include credit inquiry consent information for issuing the affiliate card, and assigns a check card / debit card / cash card attribute to the affiliate card. In the case of granting, the card attribute information may include customer account information associated with the affiliate card. When the prepaid card attribute is assigned to the affiliate card, the card attribute information may be set to the affiliate card. It may include a prepaid card charging information for charging.

According to another embodiment of the present invention, when the card attribute is fixed by the card issuing affiliate (or card issuing authority) or is set in a policy, the card attribute information may be omitted, thereby limiting the present invention. Not.

Thereafter, the server receives and reads the card registration request information from the terminal through the network means and issues the affiliated card through leasing the card number to the customer based on the customer information included in the card registration request information. The card registration validity for issuing the affiliate card is verified (1915).

According to the implementation method of the present invention, the validity confirmation for issuing the alliance card to the customer, based on the customer name and resident registration number included in the customer information, a predetermined real name verification server (not shown) It is preferable to include a) to confirm the real name of the customer in conjunction with).

In addition, when the affiliated card includes a credit card attribute, the validity check for issuing the affiliated card to the customer is based on a predetermined communication means based on the customer information. It is preferable to include the check the credit information of the customer in conjunction with).

In addition, when the affiliate card includes a check card / debit card attribute, the validity check for issuing the affiliate card to the customer is performed based on the customer information. It is preferable that the customer account associated with the card is formed in connection with a financial institution server (not shown) opened and confirming whether the customer account is opened and normally operated.

In addition, validity confirmation for issuing the alliance card to the customer includes subscriber management means (for example, subscriber information D / B (not shown) and subscription management server (not shown)) on the wireless communication network corresponding to the customer wireless terminal information. Etc.), it is preferable to include checking whether the customer wireless terminal information is valid.

If the validity to issue the affiliate card to the customer is not authenticated through the card registration application information (1920), the server provides card registration error information to the customer through the card registration interface (1925). Stop issuing the affiliate card to the customer.

On the other hand, if the validity for issuing the affiliate card to the customer is authenticated through the card registration application information (1920), the server stores at least one rental card number based on the card registration application information. Extract the lease card number to be assigned to the affiliate card from the D / B 1760 and assign it to the affiliate card number, and assign the card number assigned to the affiliate card number based on the card registration application information through the communication means. The lease card number D / B (1760) provided in the card issuing agency and the lease card number D / B (1760) provided in the card issuing agency and the card issuing agency The number D / B 1760 is synchronized (1930).

Thereafter, the server transmits the affiliate card number to the card company server 110 that has leased the lease card number through the communication means, and then a verification value (or verification code) corresponding to the affiliate card number to the card company server 110. Request a card verification value (or verification code) corresponding to the affiliate card number from the card company server 110 (1935), and the affiliate card number and card verification value (or verification code). Generates a predetermined affiliate card information including (1940).

Here, the affiliated card information may include a card number (eg, 16-digit card number) corresponding to the affiliated card, the received card verification value (or verification code), expiration date information (some may be omitted), and card issuer information ( Or code).

For example, the card number (although some exceptions exist) preferably includes a four-digit card issuing organization number, a two-digit card type number, a nine-digit serial number, and a check digit.

The expiration date information is preferably made to include the period (or expiration date and time) that can be used for the affiliate card, it may be omitted if the expiration date does not exist in the affiliate card, thereby the present invention is not limited .

The card issuing organization information (or code) preferably comprises at least one or more unique numbers (or unique codes) assigned to the card issuing organization (or financial company) that issues the affiliate card to the customer.

Thereafter, the server sets usage amount information including a predetermined limit amount assigned to the affiliate card by the card issuing affiliate institution and approval target information for each limit on the usage amount (1945).

According to the implementation method of the present invention, the server preferably sets a certain amount of money to be used by the card issuing affiliate to the affiliated card according to the utilization policy of the card issuing affiliate.

Alternatively, the server may set the predetermined amount in consideration of the customer grade set by the card issuing affiliate institution or the loyalty of the customer to the card issuing affiliate institution based on the customer information included in the card registration application information. It is preferable that the card issuance affiliated institution set the usage amount to be assigned to the affiliated card.

Alternatively, the server checks the credit rating of the customer in connection with at least one credit rating server (not shown) based on the customer information included in the card registration application information, and then, the server determines a predetermined amount of money corresponding to the credit rating. It is preferable that the card issuance affiliated institution set the usage amount to be assigned to the affiliated card.

Alternatively, the server checks the account balance of the customer in connection with at least one financial company server (not shown) based on the customer information included in the card registration application information, and then sets a predetermined amount of money corresponding to the account balance. It is preferable that the card issuance affiliated institution set the usage amount to be assigned to the affiliated card.

Or, the server requests the credit limit amount information of the customer to the card company server 110 provided in the card issuing agency based on the customer information included in the card registration application information, and the credit limit amount to be confirmed It is preferable to set the corresponding fixed amount of money to the utilization amount that the card issuing affiliate institution gives to the affiliate card.

Those skilled in the art to which the present invention pertains, in addition to the usage setting method described above, it is possible to infer various implementation methods in which the card issuing affiliate institution gives a predetermined usage amount to the affiliate card. It is preferable that the invention includes all the methods of inferring the above.

According to an exemplary embodiment of the present invention, the server sets approval target information for each limit including at least one or more affiliate store information (or affiliate store group information) to be processed for payment through the set utilization amount, and / or the set Set per-approval authorization information that includes at least one one-time payment amount, or at least one daily / weekly / monthly payment amount through a usage amount; and / or the affiliate card processes payment through an online payment channel. If the payment amount is processed through the utilization amount, or if the payment is processed through the offline payment channel, the approval target information for each limit to allow the payment amount to be processed through the utilization amount It is preferable to set.

According to another exemplary embodiment of the present invention, the approval target information for each limit may include information for first subtracting the payment amount through the affiliate card from the usage amount regardless of the payment condition corresponding to the affiliate card. It is possible, and the invention is not limited thereby.

If the utilization amount information for the affiliate card and the approval target information for each limit on the utilization amount are set (1950), the server may include a predetermined card applet including the generated (or extracted) affiliate card information ( Or IC chip storage information) (1955), and the generated card applet (or IC chip storage information) is transferred to the customer wireless terminal through a wireless communication network corresponding to the customer wireless terminal information included in the card registration application information. Send (1960).

Here, the card applet (or IC chip storage information) preferably includes a file structure recorded on a wireless IC chip provided in the customer wireless terminal and operable on a chip operating system (COS) on the wireless IC chip.

According to an embodiment of the present invention, the server reads the customer wireless terminal information included in the card registration request information to identify a wireless communication network corresponding to the customer wireless terminal information, and a predetermined applet providing server connected to the wireless communication network. It is preferable to transmit the generated card applet (or IC chip storage information) to the customer wireless terminal through 1755.

Those skilled in the art to which the present invention pertains, various methods of transmitting the card applet (or IC chip storage information) from the applet providing server 1755 to the customer wireless terminal (eg, wireless message and The card applet (or IC chip storage information) transmission using the callback URL) may be inferred, but the present invention is characterized by including all implementation methods inferred.

Thereafter, the customer wireless terminal records the received card applet (or IC chip storage information) on a wireless IC chip provided in the corresponding wireless terminal, thereby issuing an affiliate card corresponding to the card applet (or IC chip storage information). (1965).

Thereafter, the server issuing an affiliate card including at least one of customer information included in the card registration application information provided from the customer through the card registration interface, the generated affiliate card information, and card attribute information of the affiliate card. Information is stored in the storage medium 1765 (1970).

Here, the customer information included in the affiliated card issuance information includes personal information of the card registered customer (for example, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.), and the customer It is preferable to include at least one member information (for example, member ID information) subscribed to the affiliate server 100.

In addition, the card attribute information included in the affiliate card issuance information may be assigned to a credit card attribute, a check card attribute, a debit card attribute, a cash card attribute, or prepaid. At least one attribute setting information for imparting card firing is preferably included.

For example, when assigning a credit card attribute to the affiliate card, the card attribute information includes various attribute information (eg, credit limit, etc.) for use in payment through a credit card payment system for issuing the affiliate card. When the check card / debit card / cash card attribute is given to the affiliate card, the card attribute information may include customer account information associated with the affiliate card, and the prepaid card attribute is added to the affiliate card. In the case of granting, the card attribute information may include information on the amount of charge charged in the affiliate card.

Those skilled in the art to which the present invention pertains will be able to infer a variety of technical configurations for the card attribute information, a detailed description thereof will be omitted for convenience.

In addition, the utilization amount information for the affiliated card is preferably made to include a predetermined amount of the limit given to the affiliated card by the card issuing affiliated institution, and then a part (or all) of the utilization amount is the card. It is preferable to deposit in the form of a customer allowance from the issuing affiliate institution to the card issuer.

According to an exemplary embodiment of the present invention, the approval target information for each limit includes at least one merchant information (or merchant group information), payment amount information, online / offline payment channel information, etc. to be paid and processed through the utilization amount. It is preferable to comprise at least one or more.

According to another exemplary embodiment of the present invention, the approval target information for each limit may include information for first subtracting the payment amount through the affiliate card from the usage amount regardless of the payment condition corresponding to the affiliate card. It is possible, and the invention is not limited thereby.

Thereafter, the server issues the at least one affiliate card including at least one of customer information corresponding to the affiliate card, card information, and card attribute information to the card company server 110 through the communication means. In step 1975, the card company server 110 stores the affiliate card operation information, which further includes the card issuing affiliate information, in the card information D / B 1790, in the affiliate card issuing information ( 1980).

In addition, the card company server 110 sets predetermined credit limit amount information for the affiliate card and approval target information for each limit on the card limit amount (1985).

According to an embodiment of the present invention, when the affiliate card includes a credit card attribute, the card company server 110 checks the credit rating of the customer who is issued the affiliate card, and then predetermined credit limit corresponding to the customer credit rating. It is preferable to set the amount of money to the card limit amount of money.

According to another embodiment of the present invention, when the affiliate card includes a check card / debit card attribute, the card company server 110 checks the customer account associated with the affiliate card, and stores the customer account balance on the card. It is preferable to set the limit amount.

In addition, the card company server 110 sets the permissible information for each limit including at least one or more merchant information (or merchant group information) to be settled through the set credit limit amount, and / or the set credit limit. Setting a per-approval target information that includes at least one payment amount or at least one daily / weekly / monthly payment amount to be paid through the amount, and / or when the affiliate card is processed through the online payment channel. It is recommended to set the subject-specific authorization information to allow the payment amount to be processed through the card limit amount or to process the payment amount through the card limit amount when the payment amount is processed through the offline payment channel. desirable.

According to another exemplary embodiment of the present invention, the card company server 110 allows the approval target information for each limit to be first subtracted from the card limit amount of the payment amount through the affiliate card regardless of the payment condition corresponding to the affiliate card. Or, it may be made to include information to first subtract from the usage amount registered in the affiliate server 100, whereby the present invention is not limited.

If the predetermined card limit amount information for the affiliated card and the approval target information for each limit on the card limit amount are set (1990), the card company server 110 may determine the card limit amount information and the card limit amount. The target information for each limit is included in the affiliated card management information and stored in the card information D / B 1790 (1995).

According to an embodiment of the present invention, the card information D / B 1790 is preferably provided in a DBMS on a predetermined financial system provided in the card issuing institution (or associated with the card issuing institution). The card information D / B 1790 may be a ledger D / B provided in a DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, whereby the present invention is not limited thereto. No.

According to another exemplary embodiment of the present invention, the card information D / B 1790 may include an online payment system, and / or a WAP-based wireless payment system, and / or an IC chip provided in (or associated with) the card issuer. It is possible to be provided in the DBMS on at least one or more of the base wireless payment system, and / or the tele payment system, whereby the present invention is not limited.

According to another embodiment of the present invention, the card information D / B 1790 is an internet banking system, and / or a telebanking system, and / or a wireless banking system provided (or associated with) the card issuer. It is possible to be provided in the DBMS on at least one banking system of, and / or a TV banking system, whereby the present invention is not limited.

Thereafter, the card company server 110 transmits the set card limit amount information and the authorization target information for each limit on the card limit amount to the server through the communication means (1997). The affiliated card issuance information stored in the medium 1765 further stores the card limit amount information and the authorization target information for each limit on the card limit amount (1999).

20 is a diagram illustrating a card registration system for issuing an affiliate card in the form of MS / IC through real-time lease (or numbering) of card numbers according to an embodiment of the present invention.

In more detail, in FIG. 20, when a predetermined customer provides card registration application information for issuing an affiliate card through leasing a predetermined card number to a card issuing affiliate institution through a predetermined card registration interface, the card issuing affiliate institution is configured to provide the card registration application information. It is a system configuration for issuing an affiliate card in the form of a predetermined MS (Magnetic Stripe) card or IC (Integrated Circuit) card to the customer based on the provided card registration application information, specifically, a rental card for storing the rental card number A number D / B 2030 is provided in the card issuing institution, and when the card issuing agency requests a predetermined card number from the card issuing institution, the card issuing institution is corresponding to the rental card number D / B. Extract a predetermined rental card number from 2030 and provide it to the card issuing affiliate institution, and the card issuing affiliate A method for allocating the rental card number to a predetermined affiliated card is shown in an institution.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 20 to infer various implementation methods for the configuration of a card registration system for issuing an affiliated card through leasing the card number. However, the present invention includes all the implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

Hereinafter, at least one means and / or function of issuing a predetermined affiliate card to the customer based on the card registration application information provided from the customer through a predetermined card registration interface on the card registration system shown in FIG. 20. Components corresponding to the configuration are referred to as "affiliate server 100" for convenience, and the card issuing agency provided with the affiliate server 100 may be a mobile communication company affiliated with the card issuing institution, various wireless communication companies, various wired communication companies, It is preferable to include at least one or more portal operators.

Referring to FIG. 20 according to an embodiment of the present invention, a card registration system for issuing an affiliate card through leasing the card number may be used by an employee of an affiliated employee provided in at least one card issuer (or financial institution). And / or a client terminal including at least one wired terminal and / or a wireless terminal used by the customer when the card registration system supports a non-face-to-face card registration application. Characterized in that the employee terminal and / or client terminal is connected to the communication channel and the affiliate server 100 provided in the card issuing affiliate institution through a predetermined network means.

According to one embodiment of the present invention, the customer visits the card issuing agency to issue an affiliate card through the card number leasing and through the window provided at the card issuing institution (or through an affiliated employee). Fill out a predetermined card registration application for issuing an affiliate card through lease (e.g., a document with a form for filling in at least one item of information for issuing an affiliate card through lease of the card number) and / or the affiliate employee Visit the customer and have the customer fill out a predetermined card registration application for issuing an affiliate card through leasing the card number), and submit the completed card registration application to the affiliated employee. Enter (or select) the information entered in the card registration application through the employee's terminal, The employee terminal preferably transmits the input (or selected) information to the affiliate server 100 provided in the card issuing affiliate institution through the network means.

Here, preferably, the employee terminal includes an employee terminal used by an affiliated employee provided in the card issuing institution, and the affiliate server 100 connected to the employee terminal is the card issuing institution (or financial institution, or the And a server provided on a card issuing agency affiliated with a card issuing institution, wherein the network means for connecting the employee terminal and the affiliate server 100 is between the employee terminal and the affiliate server 100. It is preferable to include a communication network connecting the communication channel.

In the card registration system as described above, the card registration application created by the customer, the employee terminal used by the affiliated employee and the financial network connecting the employee terminal and the affiliated server 100, the customer rents the card number. It performs a function of a card registration interface for registering card registration application information for issuing an affiliate card through.

According to another exemplary embodiment of the present invention, when the card registration system supports a non-face-to-face card registration application, the customer is selected from a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network. Access the affiliate server 100 through at least one client terminal and input card registration application information for issuing an affiliate card through lease of the card number through at least one user interface provided by the affiliate server 100. (Or optional), the client terminal preferably transmits through the predetermined network means to the affiliate server 100 provided in the card issuing affiliate institution.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices connected to a TCP / IP based communication network, and a desktop computer and / or a notebook 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.

In addition, the wireless terminal connected to the wireless communication network is all terminal devices connected to a code division multiple access (CDMA) based mobile communication network, and / or all terminal devices connected to a high speed downlink packet access (HSDPA) based wireless communication network, and / Or all terminal devices connected to the IEEE 802.16x based mobile Internet, and / or all terminal devices connected to Motorola's DataTAC method and / or Erricson's Mobitex type wireless data communication network, and are personal communications connected to the CDMA based mobile communication network. Terminal (Personal Communication System; PCS) and / or Global System for Mobile communications (GSM) terminals and / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or personal information terminals (Personal Digital Assistant; PDA) and / or Smart Phone and / or Telematics, or HSDPA (High Speed Dow) and at least one wireless communication terminal connected to an nlink packet access) based wireless communication network, a portable internet terminal connected to the IEEE 802.16x based portable internet, or a wireless data communication terminal connected to the DataTAC / Mobitex based wireless data communication network. It is preferable to make.

The client terminal may output at least one user interface provided by the affiliate server 100, input and / or select at least one information through the user interface, and transmit the same to the affiliate server 100. It is preferable that a function configuration (e.g., a browser program and a communication function, or a predetermined communication program and a communication function to communicate with the affiliate server 100) 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 and / or wireless terminals, and thus a detailed description thereof will be omitted for convenience. .

In the card registration system as described above, a client terminal including at least one wired terminal and / or a wireless terminal used by the customer, at least one wired communication network connecting the client terminal and the affiliate server 100 and / or Alternatively, the wireless communication network performs a function of a card registration interface for registering the card registration application information for the customer to issue an affiliated card through leasing the card number.

According to another embodiment of the present invention, when the card registration system supports a non-face-to-face card registration application, the card registration terminal, in addition to the employee terminal and / or client terminal, a predetermined financial network (eg, 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 a terminal) provided in at least one or more organizations affiliated with the card issuing organization, and / or further comprising a predetermined call terminal (not shown) connected to the card issuing organization. Bourbon) (which may further include a not illustrated), to which the present invention is not limited.

In the case of supporting a non-face-to-face card registration application as described above, when the card registration terminal is the financial automatic device (not shown), the financial automatic device (not shown) and the financial automatic device (not shown) And a financial network connecting the affiliate server 100 performs a function of a card registration interface for registering the card registration application information for the customer to issue an affiliate card through the lease of the card number, and / or the card registration. When the terminal is the call terminal (not shown), the wired telephone network and / or the wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the affiliate server 100 may be used by the customer. Performs a function of a card registration interface for registering card registration application information for issuing an affiliate card through number rental, and / or the card registration terminal In the case of a terminal (and / or server) (not shown) provided in an institution affiliated with the card issuing organization, the terminal (and / or server) (not shown) and the terminal (and / or server) (not shown) The network connecting the affiliate server 100 and the affiliate server 100 performs a function of a card registration interface for registering the card registration application information for the customer to issue an affiliate card through the lease of the card number.

The storage medium 2050 provided in the card issuing affiliate institution issues a predetermined alliance card to the customer based on the card registration application information provided from the card registration terminal, and then the customer information according to the issuance of the alliance card. And affiliated card issuance information including at least one affiliated card information and at least one card attribute information. The affiliated card issuance information stored in the storage medium 2050 may be rented by the card issuing agency. It is used to provide affiliate card related services through.

According to another exemplary embodiment of the present invention, the storage medium 2050 may be connected to a predetermined DBMS interoperating with a server (or device) that performs a predetermined information processing function by using the affiliated card issuing information at the card issuing affiliate. In this case, the storage medium 2050 may be provided at various positions according to the intention of those skilled in the art, and the present invention is not limited thereto.

The affiliate server 100 provided in the card issuing affiliate institution is a generic term for the card issuing affiliate institution side components connected to the card registration terminal 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 affiliate server 100 may be provided with an interface unit 2000 (or interface means) for providing a predetermined card registration interface to the card registration terminal through the network means. do.

According to an exemplary embodiment of the present invention, when the card registration terminal is an employee terminal connected to a predetermined financial network, the interface unit 2000 communicates with the employee terminal based on a protocol stack defined in the financial network. It is preferable to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in the card registration application program provided in the employee terminal.

According to another exemplary embodiment of the present invention, when the card registration terminal is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 2000 is based on the protocol stack defined in the wired communication network. It is desirable to provide a communication interface for connecting at least one communication channel with a client terminal and transmitting and receiving at least one or more 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 Hyper-Text Transfer Protocol (HTTP) protocol is provided in the client terminal, the interface unit 2000 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 a predetermined card registration application program provided by the affiliate server 100 is provided in the client terminal, the interface unit 2000 connects a communication channel with the client terminal based on the TCP / IP protocol. It 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 registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 2000 is based on a protocol stack defined in the wireless communication network. It is preferable to connect a predetermined communication channel with the client terminal, and to provide a communication interface for transmitting and receiving at least one or more 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 2000 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 registration application program provided by the affiliate server 100, the interface unit 2000 connects a communication channel with the client terminal based on the CDMA protocol, and the communication program. Provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in.

Referring to FIG. 20, when a predetermined card registration terminal is connected to the affiliate server 100 through the interface unit 2000, the affiliate server 100 interoperates with the interface unit 2000 and the card registration terminal. An interface providing unit 2005 (or interface providing means) for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined card registration application information to the card registration terminal; An information receiving unit 2010 (or information receiving means) for receiving predetermined card registration application information which is input (or selected) and transmitted from the card registration terminal through the user interface in association with the interface unit 2000; Validation authentication unit (2015) (or check the validity of issuing the affiliate card to the customer based on the registered card registration application information) And a predetermined card number to be assigned to the affiliated card by the card company server 110 based on the card registration application information through the communication means, and correspondingly, the card company server 110 requests a predetermined card number from the card company server 110. Receiving a rental card number of the card number assignment unit 2025 (or card number assignment means) for assigning to the affiliate card number of the registered affiliate card and generating the predetermined affiliate card information including the affiliate card number A card information generation unit 2030 (or information generating means) and a usage amount for setting authorization amounts to be applied to the customer by the card issuing affiliated institution and the limit of the usage amount corresponding to the cooperation card. A card for issuing a predetermined affiliate card including the affiliated card information through the setting unit 2035 (or utilization setting means) and a predetermined card registration device. Issuing unit 2045 (card issuing means), and an information storage unit 2040 (or information storing means) for storing predetermined association card issuance information corresponding to the affiliate card issued to the customer in the storage medium 2050. It characterized by comprising a.

In addition, after the predetermined affiliate card is issued through the card issuing unit 2045, the affiliate server 100 receives a predetermined communication means (for example, a dedicated communication network or a secure communication network based on encrypted communication). The card company server 110 provided in the card issuing organization comprises an information transmitting and receiving unit 2020 for transmitting customer information, card information, and card attribute information corresponding to the affiliated card.

In addition, the information transceiving unit 2020 is applied to the card registration through the communication means in association with the card number assignment unit 2025 in order to assign a predetermined cooperation card number by the card number assignment unit 2025 The card company server 110 requests a predetermined card number based on the information (or transmits card number request information), and correspondingly receives the predetermined card number from the card company server 110 to allocate the card number. It is possible to provide the part 2025, whereby the present invention is not limited.

In addition, when the predetermined partner card number is assigned by the card number allocator 2025, the information transmitting and receiving unit 2020 sends the card to the card company server 110 provided in the card issuing organization through the communication means. The affiliate card number assigned by the number assignment unit 2025 is transmitted, and a card verification value (or verification code) corresponding to the affiliate card number from the card company server 110 (eg, a CVV (Card Verification) of a visa card. Value), CVC (Card Validation Code) of the master card, CID (Confidential Identifier Number or Card Identification Number) of the American Express card), and the like, and the card company server 110 for allocating the affiliated card number. When the rental card number received from the card includes a predetermined card verification value (or verification code), the information transmitting and receiving unit 2020 is a card verification value (or The function of transmitting / receiving verification code) may be omitted.

The interface providing unit 2005, when a predetermined card registration terminal is connected to the affiliate server 100 through the interface unit 2000, the card registration application information corresponding to the functional configuration provided in the card registration terminal; Generate a predetermined user interface which can be input (or selected) and transmitted to the affiliate server 100 via the network means, and / or extracted from a predetermined database (not shown), and the interface unit 2000 And providing the generated (or extracted) user interface to the card registration terminal through the network means.

Thereafter, the card registration terminal inputs (or selects) the card registration application information based on the user interface, and transmits the input (or selected) card registration application information to the affiliate server 100 through the network means. send.

According to an embodiment of the present invention, when the card registration terminal is an employee terminal connected to a predetermined financial network, the interface providing unit 2005 provides a predetermined user interface that can be provided by a card registration application program included in the employee terminal. It is preferable to generate (or extract) and provide the user interface generated (or extracted) to the employee terminal through the interface unit 2000.

According to another exemplary embodiment of the present invention, when the card registration terminal is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface providing unit 2005 may include a browser program and / or provided in the client terminal. 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 2000.

According to another exemplary embodiment of the present invention, when the card registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 2005 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 2000.

When the information receiving unit 2010 inputs (or selects) predetermined card registration application information through the user interface from the card registration terminal and transmits the information through the network means, the card registration unit interlocks with the interface unit 2000 to register the card. Characterized in that it receives the application information, and provides the received card registration application information to the validity authentication unit (2015).

According to an embodiment of the present invention, the card registration application information includes customer information of the card registration customer and at least one or more kinds of card attribute information for setting card attributes for the affiliated card.

Here, the customer information is personal information of the card registered customer (for example, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.), and the customer has subscribed to the affiliate server 100. It is preferable to include at least one member information (eg, member ID information).

Further, the card attribute information for the affiliate card may be assigned to a credit card attribute, a check card attribute, a debit card attribute, a cash card attribute, or a prepaid card firing. It is preferable to include at least one or more attribute setting information to be provided.

For example, when assigning a credit card attribute to the affiliate card, the card attribute information may include credit inquiry consent information for issuing the affiliate card, and assigns a check card / debit card / cash card attribute to the affiliate card. In the case of granting, the card attribute information may include customer account information associated with the affiliate card. When the prepaid card attribute is assigned to the affiliate card, the card attribute information may be set to the affiliate card. It may include a prepaid card charging information for charging.

According to another embodiment of the present invention, when the card attribute is fixed by the card issuing affiliate (or card issuing authority) or is set in a policy, the card attribute information may be omitted, thereby limiting the present invention. Not.

According to the embodiment of the present invention, the card registration application information may further include predetermined utilization application information including a predetermined utilization request amount, in which case the utilization setting unit 2035 may be configured as described above. It is possible to set the utilization amount for the affiliated card based on the utilization request amount included in the utilization application information, whereby the present invention is not limited.

The validity authentication unit 2015 checks the validity of issuing the alliance card to the customer based on the customer information included in the received card registration application information.

According to the implementation method of the present invention, the validity confirmation for issuing the alliance card to the customer, based on the customer name and resident registration number included in the customer information, a predetermined real name verification server (not shown) It is preferable to include a) to confirm the real name of the customer in conjunction with).

In addition, when the affiliated card includes a credit card attribute, the validity check for issuing the affiliated card to the customer is based on a predetermined communication means based on the customer information. It is preferable to include the check the credit information of the customer in conjunction with).

In addition, when the affiliate card includes a check card / debit card attribute, the validity check for issuing the affiliate card to the customer is performed based on the customer information. It is preferable that the customer account associated with the card is formed in connection with a financial institution server (not shown) opened and confirming whether the customer account is opened and normally operated.

The card number assigning unit 2025 is a card company server provided to the card issuer based on the card registration application information through the communication means (or through the communication means in association with the information transmitting and receiving unit 2020). Request a predetermined card number to be assigned to the affiliate card (or transmit card number request information), and confirm (or receive) a predetermined rental card number to be assigned to the affiliate card from the card company server 110; And generating (or extracting) a predetermined affiliate card number including the lease card number and assigning it to the affiliate card.

According to an embodiment of the present invention, when the lease card number received from the card company server 110 includes a 16-digit lease card number, the card number allocator 2025 uses the lease card number as the affiliate card number. It is preferable to extract.

According to another embodiment of the present invention, when the lease card number received from the card company server 110 includes the 9-digit serial number of the 16-digit card number, the card number allocator 2025 is the 9-digit serial. It is preferable to generate a predetermined affiliate card number including a lease card number, a card issuing agency information number, a card type number, and a check digit corresponding to the number.

If the person having ordinary knowledge in the technical field to which the present invention belongs, if the lease card number follows a card number system other than the 16-digit card number, the lease card number to the affiliated card number according to the card number system Various implementation methods may be inferred, and the present invention is characterized by including all implementation methods inferred.

According to the method of the present invention, when a predetermined cooperation card number is assigned by the card number assignment unit 2025, the information transmitting and receiving unit 2020 is a card company server provided in the card issuing organization through the communication means ( And transmits the affiliate card number assigned by the card number allocator 2025 to a card verification value (or verification code) corresponding to the affiliate card number from the card company server 110 (eg, a visa). It is preferable to receive a CVV (Card Verification Value) of a card, a Card Validation Code (CVC) of a master card, a CID (Confidential Identifier Number or Card Identification Number) of an American Express card, and the like, received from the card company server 110. The card verification value (or verification code) is included in the leased card number, or the card verification value (or verification code) generation function is provided in the card number assignment unit 2025. The function of transmitting and receiving the card verification value (or verification code) for the association card number by the information transmitting and receiving unit 2020 may be omitted.

When the association card number is generated (or extracted) as described above, the card information generation unit 2030 may generate predetermined association card information including the association card number.

According to an embodiment of the present invention, the affiliate card information includes at least one affiliate card number, a card verification value (or verification code), the card expiration date (some may be omitted), and card issuer information (or code). It is preferable to make it.

For example, the card number (although some exceptions exist) preferably includes a four-digit card issuer number, a two-digit card type number, a nine-digit serial number, and a check digit.

The expiration date information is preferably made to include the period (or expiration date and time) that can be used for the affiliate card, it may be omitted if the expiration date does not exist in the affiliate card, thereby the present invention is not limited .

The card issuing organization information (or code) preferably comprises at least one or more unique numbers (or unique codes) assigned to the card issuing organization (or financial company) that issues the affiliate card to the customer.

When predetermined affiliated card information included in the affiliated card is generated by the card information generating unit 2030, the utilization setting unit 2035 receives a predetermined amount of money according to the utilization policy of the card issuing affiliated institution. Characterized in that the issuing affiliated institution is set to the usage amount that is assigned to the affiliated card.

Alternatively, the utilization setting unit 2035 may determine the customer grade set by the card issuing affiliate institution or the loyalty of the customer to the card issuing affiliate institution based on the customer information included in the card registration application information. In consideration of the above, the predetermined amount is set as a usage amount which the card issuing affiliate institution gives to the affiliate card.

Alternatively, the utilization setting unit 2035 checks the credit rating of the customer in connection with at least one credit evaluation server (not shown) based on the customer information included in the card registration application information, and then corresponds to the credit rating. It is characterized in that the predetermined amount of money is set to the utilization amount that the card issuing affiliated organization gives to the affiliated card.

Alternatively, the utilization setting unit 2035 checks the account balance of the customer in association with at least one financial company server (not shown) based on the customer information included in the card registration application information, and then corresponds to the account balance. It is characterized by setting a certain amount of money to the utilization amount that the card issuing affiliated organization gives to the affiliated card.

Alternatively, the utilization setting unit 2035 requests the credit limit amount information of the customer from the card company server 110 provided in the card issuing agency based on the customer information included in the card registration application information. Characterized in that a certain percentage of the amount corresponding to the credit limit amount to be confirmed is characterized in that the card issuance affiliated institutions to set the amount of the usage amount that the affiliated card.

Those skilled in the art to which the present invention pertains, in addition to the usage setting method described above, it is possible to infer various implementation methods in which the card issuing affiliate institution gives a predetermined usage amount to the affiliate card. The invention is characterized in that it comprises all the methods of inference.

According to an embodiment of the present invention, the utilization setting unit 2035 may set the approval target information for each limit including at least one or more affiliate store information (or affiliate store group information) to be paid and processed through the set utilization amount. And / or to set the per-approval target information including at least one or more one-time payment amount or daily / weekly / monthly payment amount to be processed through the set utilization amount, and / or the affiliate card is online. Limit to allow the payment amount to be processed through the utilization amount when the payment is made through the payment channel, or to process the payment amount through the utilization amount when the payment is processed through the offline payment channel. It is desirable to set the approval target information.

According to another exemplary embodiment of the present invention, the approval target information for each limit may include information for first subtracting the payment amount through the affiliate card from the usage amount regardless of the payment condition corresponding to the affiliate card. It is possible, and the invention is not limited thereby.

When predetermined affiliated card information included in the affiliated card is generated by the card information generating unit 2030, the card issuing unit 2045 generates an affiliated card including the affiliated card information through a predetermined card registration device. And (or having the affiliate card information included in the affiliate card), the affiliate card is provided (or delivered) to the customer.

If the affiliate card is an MS (Magnetic Stripe) card, the card registration device records the affiliate card information on at least one MS track (eg, track I, track II, track III) included in the affiliate card. In this case, the card information generation unit 2030 generates an association card information in a data structure that can be recorded in at least one or more MS tracks, and the card issuing unit 2045 cooperates with the card registration device. By recording card information in at least one or more MS tracks, a predetermined affiliate card to be issued to the customer is issued.

Alternatively, if the affiliated card is an IC (Integrated Circuit) card, the card registration device comprises a device for recording the affiliated card information in a memory provided in the IC chip of the affiliated card, wherein the card information generation The unit 2030 generates the affiliate card information in a file structure operable through a COS (Chip Operating System) provided in the IC chip, and the card issuing unit 2045 generates the affiliate card information through the card registration device. Is recorded in the memory of the IC chip, and a predetermined partnership card to be issued to the customer is issued.

The affiliated card produced as described above is provided to the customer and / or delivered to the customer according to a predetermined card providing procedure, and the customer then uses the affiliated card through the card issuing affiliated agency.

Thereafter, the information storage unit 2015 includes the customer information included in the card registration application information received from the customer through the information receiving unit 2010, the generated affiliate card information, card attribute information for the affiliate card, And storing the affiliated card issuance information including at least one usage amount information of the affiliated card and at least one approval target information for each affiliated card in the storage medium 2050.

Here, the customer information included in the affiliated card issuance information includes personal information of the card registered customer (for example, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.), and the customer It is preferable to include at least one member information (for example, member ID information) subscribed to the affiliate server 100.

In addition, the card attribute information included in the affiliate card issuance information may be assigned to a credit card attribute, a check card attribute, a debit card attribute, a cash card attribute, or prepaid. At least one attribute setting information for imparting card firing is preferably included.

For example, when assigning a credit card attribute to the affiliate card, the card attribute information includes various attribute information (eg, credit limit, etc.) for use in payment through a credit card payment system for issuing the affiliate card. When the check card / debit card / cash card attribute is given to the affiliate card, the card attribute information may include customer account information associated with the affiliate card, and the prepaid card attribute is added to the affiliate card. In the case of granting, the card attribute information may include information on the amount of charge charged in the affiliate card.

Those skilled in the art will be able to infer various technical configurations of the card attribute information, so a detailed description thereof will be omitted.

In addition, the utilization amount information for the affiliated card is preferably made to include a predetermined amount of the limit given to the affiliated card by the card issuing affiliated institution, and then a part (or all) of the utilization amount is the card. It is preferable to deposit in the form of a customer allowance from the issuing affiliate institution to the card issuer.

According to an exemplary embodiment of the present invention, the approval target information for each limit may include at least one merchant information (or merchant group information), payment amount information, online / offline payment channel information, etc. to be paid and processed through the used amount. It is preferable to comprise at least one or more.

According to another exemplary embodiment of the present invention, the approval target information for each limit may include information for first subtracting the payment amount through the affiliate card from the usage amount regardless of the payment condition corresponding to the affiliate card. It is possible, and the invention is not limited thereby.

According to an embodiment of the present invention, the rental card number D / B 2030 provided to the card issuing organization is leased to be assigned to at least one or more affiliate cards registered through the card issuing affiliate at the card issuing institution. It is preferable to include one or more card numbers, it is preferable that the card issuance further comprises a card issuing affiliated information to lease the rental card number.

Here, the rental card number, including all 16-digit card number, or the nine-digit serial number of the 16-digit card number (for example, the first four digits corresponding to the card issuing agency number and corresponding to the card type number) The next 2 digits and the remaining 9 digit serial number except the last 1 digit corresponding to the check digit), preferably including a predetermined number area, and 16 digit card according to the intention of those skilled in the art. In addition to the numbers, lease card numbers that follow a different card number system may be included.

In addition, the card issuing affiliate information is information for identifying at least one or more card issuing affiliate institutions to lease at least one or more card numbers in the card issuing authority, the card issuing affiliate institution to lease at least one or more card numbers In this case, it is possible to omit and the present invention is not limited thereby.

Referring to FIG. 20, the card company server 110 of the card issuing organization connected to the affiliate server 100 through a predetermined communication means receives predetermined card number request information from the affiliate server 100 through the communication means. When the card number request information is received from the affiliate server 100 through the information transmitting and receiving unit 2055 (or information receiving means) and the information transmitting and receiving unit 2055, the rental card number D / B ( And a card number extracting unit 2020 (or a card number extracting means) for extracting a predetermined rental card number to be assigned to the affiliated card from 2030. The information transmitting and receiving unit 2055 (or information) is provided. Transmission means) characterized in that for transmitting the lease card number to the affiliate server 100.

According to the present invention, when the card number extraction unit 2020 extracts a predetermined rental card number from the rental card number D / B 2030, a predetermined card verification value corresponding to the extracted card number (or And a verification card information generating unit 2030 for generating a verification code. In this case, the information transmitting / receiving unit 2055 (or information transmitting means) may include the rental card number and the card verification value (or Verification code) is characterized in that for transmitting to the affiliate server (100).

Here, the rental card number, including all 16-digit card number, or the nine-digit serial number of the 16-digit card number (for example, the first four digits corresponding to the card issuing agency number and corresponding to the card type number) And the next two digits, and the remaining nine digits except the last one corresponding to the check digit).

Those skilled in the art to which the present invention belongs, the verification card information generation unit 2030 is the CVV (Card Verification Value) of the visa card, CVC (Card Validation Code) of the master card, American Express card of Since you will be familiar with the technical features for generating a card verification value (or verification code) including at least one CID (Confidential Identifier Number or Card Identification Number), a detailed description thereof will be omitted for convenience.

According to the present invention, the card company server 110 of the card issuing organization connected to the affiliate server 100 through a predetermined communication means may receive a predetermined card verification value from the affiliate server 100 through the communication means. Or verification code) an information transmitting / receiving unit 2055 (or an information receiving unit) for receiving request information, and a predetermined affiliate card number received from the affiliate server 100 through the information transmitting / receiving unit 2055 (or And a verification card information generation unit 2030 for generating a predetermined card verification value (or verification code) corresponding to the affiliated card number when a card verification value (or verification code) is requested. The information transmitting and receiving unit 2055 (or information transmitting means) transmits a card verification value (or verification code) corresponding to the affiliate card number to the affiliate server 100.

According to the present invention, the card company server 110 of the card issuing organization connected to the affiliate server 100 through a predetermined communication means corresponds to the issued affiliate card from the affiliate server 100 through the communication means. An information transmitting / receiving unit 2055 (or an information receiving means) for receiving affiliate card issuance information including at least one of customer information, affiliate card information, and card attribute information corresponding to the affiliate card; And an information storage unit 2040 for storing, in the predetermined card information D / B 2035, the affiliate card operation information in which the affiliate card information and the card attribute information are linked to the affiliated agency information corresponding to the card issuing affiliated institution. Characterized in that made.

Referring to FIG. 20, the card company server 110 of the card issuing organization connected to the affiliate server 100 through a predetermined communication means may be configured to determine a predetermined card limit amount and the card limit amount for the affiliate card. The card limit setting unit 2025 (or card limit setting means) for setting an approval target for each limit, and the card limit amount information and the limit target approval information for the card limit amount are included in the cooperation card operation information. The information storage unit 2040 (or information storage means) stored in the card information D / B (2035), the limit information of the card limit amount information and the limit information for the limit for the card limit amount through the communication means through the affiliate Characterized in that it comprises an information transmitting and receiving unit 2055 (or information transmission means) for transmitting to the server 100.

If the affiliated card includes a credit card attribute, the card limit setting unit 2025 checks the credit level of the customer who is issued the affiliate card, and then sets a predetermined credit limit amount corresponding to the credit limit of the customer. It characterized in that it is set to.

Alternatively, when the affiliated card includes a check card / debit card attribute, the card limit setting unit 2025 checks a customer account associated with the affiliated card, and then sets the customer account balance as the card limit amount. It is characterized by.

According to the exemplary embodiment of the present invention, the card limit setting unit 2025 may set approval target information for each limit including at least one or more affiliate store information (or affiliate store group information) to be processed for payment through the set credit limit amount. And / or set authorization target information for each limit including at least one one-time payment amount or daily / weekly / monthly payment amount to be processed through the set credit limit amount, and / or the affiliate card is If the payment is processed through the online payment channel, the payment amount is processed through the card limit amount, or if the payment is processed through the offline payment channel, the payment amount is processed through the card limit amount. It is desirable to set approval target information for each limit.

According to another exemplary embodiment of the present invention, the approval target information for each limit may be set to first subtract the payment amount through the affiliate card from the card limit amount, regardless of the payment condition corresponding to the affiliate card, or the affiliate server ( It is possible to include information to first subtract from the usage amount registered in 100), whereby the present invention is not limited.

Thereafter, the affiliated card operation information stored in the card information D / B 2035 is used by the card issuing organization to provide a payment service or various additional services in association with at least one affiliated store.

According to an embodiment of the present invention, the card information D / B 2035 is preferably provided in a DBMS on a predetermined financial system provided in the card issuing institution (or associated with the card issuing institution). The card information D / B 2035 may be a ledger D / B provided in a DBMS on the financial system and / or a predetermined database associated with the ledger D / B, thereby limiting the present invention. Not.

According to another exemplary embodiment of the present invention, the card information D / B 2035 may include an online payment system, and / or a WAP-based wireless payment system, and / or an IC chip provided in (or associated with) the card issuer. It is possible to be provided in the DBMS on at least one or more of the base wireless payment system, and / or the tele payment system, whereby the present invention is not limited.

According to another embodiment of the present invention, the card information D / B 2035 is an internet banking system, and / or a telebanking system, and / or a wireless banking system provided to (or associated with) the card issuing institution. It is possible to be provided in the DBMS on at least one banking system of, and / or a TV banking system, whereby the present invention is not limited.

21 is a diagram illustrating a card registration process for issuing an affiliate card through card number rental according to an embodiment of the present invention.

In more detail, in FIG. 21, in the card registration system shown in FIG. 20, a predetermined customer creates a predetermined card registration application through a face-to-face card registration interface (for example, the card registration application, an employee terminal, and a network means). When the affiliated employee submits (or selects) the card registration application information corresponding to the card registration application through a predetermined card registration terminal and transmits it to the affiliated server 100, the affiliated server ( 100 illustrates a process of issuing a predetermined affiliate card through the card number rental to the customer based on the card registration application information, specifically, a rental card number D / B for storing the rental card number (2030). ) Is provided in the card issuing agency, and the predetermined card number is transferred from the card issuing agency to the card issuing institution. In response to the request, the card issuing agency extracts a predetermined lease card number from the lease card number D / B 2030 and provides the card issuing agency to the card issuing affiliate, and the card issuing agency is providing the lease card number. Shows an implementation method for assigning a to an affiliate card.

Those of ordinary skill in the art to which the present invention pertains can deduce various implementation methods for issuing the affiliated card for issuing the affiliated card through leasing the card number by referring to and / or modifying the drawing 21. However, the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

For example, FIG. 21 illustrates that the affiliate card is produced and provided (or shipped) to the customer, and then the affiliate card issuance information is stored in the storage medium 2050. The process of storing the predetermined affiliate card issuance information in the storage medium 2050 may be performed before the affiliate card is produced or before the affiliate card is produced (or delivered) to the customer. The present invention is not limited.

Hereinafter, in FIG. 21, the card registration terminal shown in FIG. 20 is referred to as a "terminal" for convenience, and the affiliate server 100 is referred to as a "server" for convenience.

Referring to FIG. 21, in order to issue the affiliated card for issuing an affiliated card through leasing of the card number, the customer is prescribed through a face-to-face card registration interface (eg, the card registration application, employee terminal, and network means). When a card registration application (for example, a document having a form for filling in at least one information item for issuance of an affiliate card through lease of the card number) is completed and submitted to an affiliated employee, the terminal is connected by the affiliated employee. The card registration application information corresponding to the card registration application prepared by the customer is input (or selected) through a predetermined user interface (2100), and the card registration application information is transmitted to the server through the network means (2105). .

According to an embodiment of the present invention, the card registration application information includes customer information of the card registration customer and at least one or more kinds of card attribute information for setting card attributes for the affiliated card.

Here, the customer information is personal information of the card registered customer (for example, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.), and the customer has subscribed to the affiliate server 100. It is preferable to include at least one member information (eg, member ID information).

Further, the card attribute information for the affiliate card may be assigned to a credit card attribute, a check card attribute, a debit card attribute, a cash card attribute, or a prepaid card firing. It is preferable to include at least one or more attribute setting information to be provided.

For example, when assigning a credit card attribute to the affiliate card, the card attribute information may include credit inquiry consent information for issuing the affiliate card, and assigns a check card / debit card / cash card attribute to the affiliate card. In the case of granting, the card attribute information may include customer account information associated with the affiliate card. When the prepaid card attribute is assigned to the affiliate card, the card attribute information may be set to the affiliate card. It may include a prepaid card charging information for charging.

According to another embodiment of the present invention, when the card attribute is fixed by the card issuing affiliate (or card issuing authority) or is set in a policy, the card attribute information may be omitted, thereby limiting the present invention. Not.

Thereafter, the server receives and reads the card registration request information from the terminal through the network means and issues the affiliated card through leasing the card number to the customer based on the customer information included in the card registration request information. The card registration validity for issuing the affiliate card is checked (2110).

According to the implementation method of the present invention, the validity confirmation for issuing the alliance card to the customer, based on the customer name and resident registration number included in the customer information, a predetermined real name verification server (not shown) It is preferable to include a) to confirm the real name of the customer in conjunction with).

In addition, when the affiliated card includes a credit card attribute, the validity check for issuing the affiliated card to the customer is based on a predetermined communication means based on the customer information. It is preferable to include the check the credit information of the customer in conjunction with).

In addition, when the alliance card includes a check card / debit card attribute, the validity check for issuing the alliance card to the customer is based on the customer information. It is preferable that the customer account linked to the debit card is linked to a financial institution server (not shown) that is opened to check whether the customer account is opened and normally operated.

If the validity to issue the affiliate card to the customer is not authenticated through the card registration application information (2115), the server provides card registration error information to the customer through the card registration interface (2120). Stop issuing the affiliate card to the customer.

On the other hand, if the validity for issuing the affiliate card to the customer is authenticated through the card registration application information (2115), the server sends the card to the card company server 110 based on the card registration application information through the communication means. The card company server 110 transmits the number request information (2125), and correspondingly, the card company server 110 extracts a predetermined card number rented from the rental card number D / B 2030 to the card issuing affiliate institution (2130), The extracted card number is transmitted to the server through the communication means (2135).

When the predetermined card number to be assigned to the affiliated card is received as described above, the server transmits verification value (or verification code) request information for the card number to the card company server 110 through the communication means, and the In response, the card company server 110 receives a card verification value (or verification code) corresponding to the card number (2140).

According to another exemplary embodiment of the present invention, the card company server 110 extracts the card number from the rental card number D / B 2030 in response to the card number request information, and corresponds to the extracted card number. After generating a predetermined card verification value (or verification code), the card number and the card verification value (or verification code) may be transmitted to the server, and the present invention is not limited thereto.

When the card number and the card verification value (or verification code) are received from the card company server 110 as described above, the server receives predetermined affiliate card information including the affiliate card number and the card verification value (or verification code). Create (2145).

Here, the affiliated card information may include a card number (eg, 16-digit card number) corresponding to the affiliated card, the received card verification value (or verification code), expiration date information (some may be omitted), and card issuer information ( Or code).

For example, the card number (although some exceptions exist) preferably includes a four-digit card issuing organization number, a two-digit card type number, a nine-digit serial number, and a check digit.

The expiration date information is preferably made to include the period (or expiration date and time) that can be used for the affiliate card, it may be omitted if the expiration date does not exist in the affiliate card, thereby the present invention is not limited .

The card issuing organization information (or code) preferably comprises at least one or more unique numbers (or unique codes) assigned to the card issuing organization (or financial company) that issues the affiliate card to the customer.

According to an embodiment of the present invention, if the affiliate card is an MS card, the generated affiliate card information preferably includes a data structure recordable on at least one or more MS tracks provided in the MS card.

According to another exemplary embodiment of the present invention, if the affiliate card is an IC card, the generated affiliate card information may include a file structure operable through a chip operating system (COS) provided in the IC chip.

Thereafter, the server sets usage amount information including a predetermined limit amount assigned to the affiliate card by the card issuing affiliate institution and approval target information for each limit on the usage amount (2150).

According to the implementation method of the present invention, the server preferably sets a certain amount of money to be used by the card issuing affiliate to the affiliated card according to the utilization policy of the card issuing affiliate.

Alternatively, the server may set the predetermined amount in consideration of the customer grade set by the card issuing affiliate institution or the loyalty of the customer to the card issuing affiliate institution based on the customer information included in the card registration application information. It is preferable that the card issuance affiliated institution set the usage amount to be assigned to the affiliated card.

Alternatively, the server checks the credit rating of the customer in connection with at least one credit rating server (not shown) based on the customer information included in the card registration application information, and then, the server determines a predetermined amount of money corresponding to the credit rating. It is preferable that the card issuance affiliated institution set the usage amount to be assigned to the affiliated card.

Alternatively, the server checks the account balance of the customer in connection with at least one financial company server (not shown) based on the customer information included in the card registration application information, and then sets a predetermined amount of money corresponding to the account balance. It is preferable that the card issuance affiliated institution set the usage amount to be assigned to the affiliated card.

Or, the server requests the credit limit amount information of the customer to the card company server 110 provided in the card issuing agency based on the customer information included in the card registration application information, and the credit limit amount to be confirmed It is preferable to set the corresponding fixed amount of money to the utilization amount that the card issuing affiliate institution gives to the affiliate card.

Those skilled in the art to which the present invention pertains, in addition to the usage setting method described above, it is possible to infer various implementation methods in which the card issuing affiliate institution gives a predetermined usage amount to the affiliate card. It is preferable that the invention includes all the methods of inferring the above.

According to an exemplary embodiment of the present invention, the server sets approval target information for each limit including at least one or more affiliate store information (or affiliate store group information) to be processed for payment through the set utilization amount, and / or the set Set per-approval authorization information that includes at least one one-time payment amount, or at least one daily / weekly / monthly payment amount through a usage amount; and / or the affiliate card processes payment through an online payment channel. Set the approval target information for each limit to allow the payment amount to be processed through the utilization amount or to process the payment amount through the utilization amount when the payment is processed through the offline payment channel. It is desirable to.

According to another exemplary embodiment of the present invention, the approval target information for each limit may include information for first subtracting the payment amount through the affiliate card from the usage amount regardless of the payment condition corresponding to the affiliate card. It is possible, and the invention is not limited thereby.

If the utilization amount information for the affiliate card and the approval target information for each limit on the utilization amount are set (2155), the server provides a predetermined affiliate card with the affiliate card information through a predetermined card registration device. Produce (or deliver) to the customer to produce (2160).

According to an exemplary embodiment of the present invention, if the affiliate card is an MS card, the card registration apparatus may provide the affiliate card information to at least one or more MS tracks (eg, track I, track II, and track III) included in the affiliate card. It is preferable to include an apparatus for recording.

According to another embodiment of the present invention, if the association card is an IC card, the card registration device preferably includes an apparatus for recording the association card information in a memory provided in the IC chip of the association card.

Thereafter, the server issuing an affiliate card including at least one of customer information included in the card registration application information provided from the customer through the card registration interface, the generated affiliate card information, and card attribute information of the affiliate card. Information is stored in the storage medium 2050 (2165).

Here, the customer information included in the affiliated card issuance information includes personal information of the card registered customer (for example, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.), and the customer It is preferable to include at least one member information (for example, member ID information) subscribed to the affiliate server 100.

In addition, the card attribute information included in the affiliate card issuance information may be assigned to a credit card attribute, a check card attribute, a debit card attribute, a cash card attribute, or prepaid. At least one attribute setting information for imparting card firing is preferably included.

For example, when assigning a credit card attribute to the affiliate card, the card attribute information includes various attribute information (eg, credit limit, etc.) for use in payment through a credit card payment system for issuing the affiliate card. When the check card / debit card / cash card attribute is given to the affiliate card, the card attribute information may include customer account information associated with the affiliate card, and the prepaid card attribute is added to the affiliate card. In the case of granting, the card attribute information may include information on the amount of charge charged in the affiliate card.

Those skilled in the art will be able to infer various technical configurations of the card attribute information, so a detailed description thereof will be omitted.

In addition, the utilization amount information for the affiliated card is preferably made to include a predetermined amount of the limit given to the affiliated card by the card issuing affiliated institution, and then a part (or all) of the utilization amount is the card. It is preferable to deposit in the form of a customer allowance from the issuing affiliate institution to the card issuer.

According to an exemplary embodiment of the present invention, the approval target information for each limit includes at least one merchant information (or merchant group information), payment amount information, online / offline payment channel information, etc. to be paid and processed through the utilization amount. It is preferable to comprise at least one or more.

According to another exemplary embodiment of the present invention, the approval target information for each limit may include information for first subtracting the payment amount through the affiliate card from the usage amount regardless of the payment condition corresponding to the affiliate card. It is possible, and the invention is not limited thereby.

Thereafter, the server issues the at least one affiliate card including at least one of customer information corresponding to the affiliate card, card information, and card attribute information to the card company server 110 through the communication means. In operation 2170, the card company server 110 stores the affiliate card operation information further including the card issuing affiliate information in the affiliate card issuing information in a predetermined card information D / B 2035 ( 2175).

In addition, the card company server 110 sets predetermined credit limit amount information for the affiliated card and approval target information for each limit on the card limit amount (2180).

According to an embodiment of the present invention, when the affiliate card includes a credit card attribute, the card company server 110 checks the credit rating of the customer who is issued the affiliate card, and then predetermined credit limit corresponding to the customer credit rating. It is preferable to set the amount of money to the card limit amount of money.

According to another embodiment of the present invention, when the affiliate card includes a check card / debit card attribute, the card company server 110 checks the customer account associated with the affiliate card, and stores the customer account balance on the card. It is preferable to set the limit amount.

In addition, the card company server 110 sets the permissible information for each limit including at least one or more merchant information (or merchant group information) to be settled through the set credit limit amount, and / or the set credit limit. Setting a per-approval target information that includes at least one payment amount per day or at least one daily / weekly / monthly payment amount, and / or when the affiliate card is processed through an online payment channel. It is recommended to set the subject-specific authorization information to allow the payment amount to be processed through the card limit amount or to process the payment amount through the card limit amount when the payment amount is processed through the offline payment channel. desirable.

According to another exemplary embodiment of the present invention, the card company server 110 allows the approval target information for each limit to be first subtracted from the card limit amount of the payment amount through the affiliate card regardless of the payment condition corresponding to the affiliate card. Or, it may be made to include information to first subtract from the usage amount registered in the affiliate server 100, whereby the present invention is not limited.

If the predetermined card limit amount information for the affiliated card and the authorization target information for each limit on the card limit amount are set (2185), the card company server 110 may determine the card limit amount information and the card limit amount. The authorization target information for each limit is included in the affiliated card operation information and stored in the card information D / B 2035 (2190).

According to an embodiment of the present invention, the card information D / B 2035 is preferably provided in a DBMS on a predetermined financial system provided in the card issuing institution (or associated with the card issuing institution). The card information D / B 2035 may be a ledger D / B provided in a DBMS on the financial system and / or a predetermined database associated with the ledger D / B, whereby the present invention is not limited thereto. No.

According to another exemplary embodiment of the present invention, the card information D / B 2035 may include an online payment system, and / or a WAP-based wireless payment system, and / or an IC chip provided in (or associated with) the card issuer. It is possible to be provided in the DBMS on at least one or more of the base wireless payment system, and / or the tele payment system, whereby the present invention is not limited.

According to another embodiment of the present invention, the card information D / B 2035 is an internet banking system, and / or a telebanking system, and / or a wireless banking system provided to (or associated with) the card issuing institution. It is possible to be provided in the DBMS on at least one banking system of, and / or a TV banking system, whereby the present invention is not limited.

Thereafter, the card company server 110 transmits the set card limit amount information and the authorization target information for each limit on the card limit amount to the server through the communication means (2195). The affiliated card issuance information stored in the medium 2050 further stores the card limit amount information and the authorization target information for each limit on the card limit amount (2199).

22 is a diagram illustrating a card registration process for issuing an affiliate card through card number rental according to another embodiment of the present invention.

More specifically, FIG. 22 shows a non-face-to-face card registration interface (e.g., client terminal and network means including at least one wired terminal and / or wireless terminal) in a card registration system shown in FIG. When accessing the affiliate server 100 through the input (or select) the predetermined card registration application information and transmits, the affiliate server 100 leases the card number to the customer based on the card registration application information As a process of issuing a predetermined affiliate card through the above, specifically, a rental card number D / B 2030 for storing the rental card number is provided in the card issuing institution, and the card issuing partner issuing the card issuance. When a predetermined card number is requested to the institution, the card issuing institution corresponding to the predetermined card number from the rental card number D / B 2030. Extracting a definition rental card number to provide to the card-issuing partners, and from the card-issuing partners shows a exemplary method for allocating the rental card number to a predetermined affiliated card.

Those skilled in the art to which the present invention pertains can refer to this drawing 22 and / or modified to infer various implementation methods for issuing the affiliate card for issuance of the affiliate card through lease of the card number. However, the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

For example, FIG. 22 illustrates that the affiliate card is produced and provided (or delivered) to the customer, and then the affiliate card issuance information is stored in the storage medium 2050. The process of storing the predetermined affiliate card issuance information in the storage medium 2050 may be performed before the affiliate card is produced or before the affiliate card is produced (or delivered) to the customer. The present invention is not limited.

Hereinafter, in FIG. 22, the card registration terminal shown in FIG. 20 is referred to as a "terminal" for convenience, and the affiliate server 100 is referred to as a "server" for convenience.

Referring to FIG. 22, the customer accesses the server through a predetermined terminal to connect a communication channel for card registration application, and the affiliate card for issuing an affiliate card through leasing the card number through the communication channel. The application is issued (2200), and correspondingly, the server generates (or extracts) a user interface for issuing the alliance card and provides it to the terminal through the communication channel (2205).

Thereafter, the terminal receives (or selects) the card registration request information through the user interface and transmits the card registration request information (or selected) to the server through the communication channel (2210).

According to an embodiment of the present invention, the card registration application information includes customer information of the card registration customer and at least one or more kinds of card attribute information for setting card attributes for the affiliated card.

Here, the customer information is personal information of the card registered customer (for example, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.), and the customer has subscribed to the affiliate server 100. It is preferable to include at least one member information (eg, member ID information).

Further, the card attribute information for the affiliate card may be assigned to a credit card attribute, a check card attribute, a debit card attribute, a cash card attribute, or a prepaid card firing. It is preferable that the at least one attribute setting information for granting a.

For example, when assigning a credit card attribute to the affiliate card, the card attribute information may include credit inquiry consent information for issuing the affiliate card, and assigns a check card / debit card / cash card attribute to the affiliate card. In the case of granting, the card attribute information may include customer account information associated with the affiliate card. When the prepaid card attribute is assigned to the affiliate card, the card attribute information may be set to the affiliate card. It may include a prepaid card charging information for charging.

According to another embodiment of the present invention, when the card attribute is fixed by the card issuing affiliate (or card issuing authority) or is set in a policy, the card attribute information may be omitted, thereby limiting the present invention. Not.

Thereafter, the server receives and reads the card registration request information from the terminal through the network means and issues the affiliated card through leasing the card number to the customer based on the customer information included in the card registration request information. The card registration validity of issuing the affiliate card is verified (2215).

According to the implementation method of the present invention, the validity confirmation for issuing the alliance card to the customer, based on the customer name and resident registration number included in the customer information, a predetermined real name verification server (not shown) It is preferable to include a) to confirm the real name of the customer in conjunction with).

In addition, when the affiliated card includes a credit card attribute, the validity check for issuing the affiliated card to the customer is based on a predetermined communication means based on the customer information. It is preferable to include the check the credit information of the customer in conjunction with).

In addition, when the affiliate card includes a check card / debit card attribute, the validity check for issuing the affiliate card to the customer is performed based on the customer information. It is preferable that the customer account associated with the card is formed in connection with a financial institution server (not shown) opened and confirming whether the customer account is opened and normally operated.

If the validity to issue the affiliate card to the customer is not authenticated through the card registration application information (2220), the server provides card registration error information to the customer through the card registration interface (2225). Stop issuing the affiliate card to the customer.

On the other hand, if the validity for issuing the affiliate card to the customer is authenticated through the card registration application information (2220), the server sends the card to the card company server 110 based on the card registration application information through the communication means. Transmitting the number request information (2230), and correspondingly, the card company server 110 extracts a predetermined card number leased from the lease card number D / B (2030) to the card issuing affiliated agency, and the extracted After generating a predetermined card verification value (or verification code) corresponding to the card number (2235), and transmits the extracted card number and the card verification value (or verification code) to the server through the communication means (2240) ).

According to another exemplary embodiment of the present invention, the card company server 110 extracts the card number from the rental card number D / B 2030 in response to the card number request information and transmits the card number to the server. If the predetermined card verification value (or verification code) request information corresponding to the card number is received from the card number, the predetermined card verification value (or verification code) corresponding to the card number may be generated and transmitted to the server. The present invention is not limited thereby.

When the card number and the card verification value (or verification code) are received from the card company server 110 as described above, the server receives predetermined affiliate card information including the affiliate card number and the card verification value (or verification code). Create (2245).

Here, the affiliated card information may include a card number (eg, 16-digit card number) corresponding to the affiliated card, the received card verification value (or verification code), expiration date information (some may be omitted), and card issuer information ( Or code).

For example, the card number (although some exceptions exist) preferably includes a four-digit card issuing organization number, a two-digit card type number, a nine-digit serial number, and a check digit.

The expiration date information is preferably made to include the period (or expiration date and time) that can be used for the affiliate card, it may be omitted if the expiration date does not exist in the affiliate card, thereby the present invention is not limited .

The card issuing organization information (or code) preferably comprises at least one or more unique numbers (or unique codes) assigned to the card issuing organization (or financial company) that issues the affiliate card to the customer.

According to an embodiment of the present invention, if the affiliate card is an MS card, the generated affiliate card information preferably includes a data structure recordable on at least one or more MS tracks provided in the MS card.

According to another exemplary embodiment of the present invention, if the affiliate card is an IC card, the generated affiliate card information may include a file structure operable through a chip operating system (COS) provided in the IC chip.

Thereafter, the server sets usage amount information including a predetermined limit amount assigned to the affiliate card by the card issuing affiliate institution and approval target information for each limit on the usage amount (2250).

According to the implementation method of the present invention, the server preferably sets a certain amount of money to be used by the card issuing affiliate to the affiliated card according to the utilization policy of the card issuing affiliate.

Alternatively, the server may set the predetermined amount in consideration of the customer grade set by the card issuing affiliate institution or the loyalty of the customer to the card issuing affiliate institution based on the customer information included in the card registration application information. It is preferable that the card issuance affiliated institution set the usage amount to be assigned to the affiliated card.

Alternatively, the server checks the credit rating of the customer in connection with at least one credit rating server (not shown) based on the customer information included in the card registration application information, and then, the server determines a predetermined amount of money corresponding to the credit rating. It is preferable that the card issuance affiliated institution set the usage amount to be assigned to the affiliated card.

Alternatively, the server checks the account balance of the customer in connection with at least one financial company server (not shown) based on the customer information included in the card registration application information, and then sets a predetermined amount of money corresponding to the account balance. It is preferable that the card issuance affiliated institution set the usage amount to be assigned to the affiliated card.

Or, the server requests the credit limit amount information of the customer to the card company server 110 provided in the card issuing agency based on the customer information included in the card registration application information, and the credit limit amount to be confirmed It is preferable to set the corresponding fixed amount of money to the utilization amount that the card issuing affiliate institution gives to the affiliate card.

Those skilled in the art to which the present invention pertains, in addition to the usage setting method described above, it is possible to infer various implementation methods in which the card issuing affiliate institution gives a predetermined usage amount to the affiliate card. It is preferable that the invention includes all the methods of inferring the above.

According to an exemplary embodiment of the present invention, the server sets approval target information for each limit including at least one or more affiliate store information (or affiliate store group information) to be processed for payment through the set utilization amount, and / or the set Set per-approval authorization information that includes at least one one-time payment amount, or at least one daily / weekly / monthly payment amount through a usage amount; and / or the affiliate card processes payment through an online payment channel. Set the approval target information for each limit to allow the payment amount to be processed through the utilization amount or to process the payment amount through the utilization amount when the payment is processed through the offline payment channel. It is desirable to.

According to another exemplary embodiment of the present invention, the approval target information for each limit may include information for first subtracting the payment amount through the affiliate card from the usage amount regardless of the payment condition corresponding to the affiliate card. It is possible, and the invention is not limited thereby.

If utilization amount information for the affiliate card and approval target information for each limit on the utilization amount are set (2255), the server provides a predetermined affiliate card with the affiliate card information through a predetermined card registration device. Produce and provide (or deliver) to the customer (2260).

According to an exemplary embodiment of the present invention, if the affiliate card is an MS card, the card registration apparatus may provide the affiliate card information to at least one or more MS tracks (eg, track I, track II, and track III) included in the affiliate card. It is preferable to include an apparatus for recording.

According to another embodiment of the present invention, if the association card is an IC card, the card registration device preferably includes an apparatus for recording the association card information in a memory provided in the IC chip of the association card.

Thereafter, the server issuing an affiliate card including at least one of customer information included in the card registration application information provided from the customer through the card registration interface, the generated affiliate card information, and card attribute information of the affiliate card. Information is stored in the storage medium 2050 (2265).

Here, the customer information included in the affiliated card issuance information includes personal information of the card registered customer (for example, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.), and the customer It is preferable to include at least one member information (for example, member ID information) subscribed to the affiliate server 100.

In addition, the card attribute information included in the affiliate card issuance information may be assigned to a credit card attribute, a check card attribute, a debit card attribute, a cash card attribute, or prepaid. At least one attribute setting information for imparting card firing is preferably included.

For example, when assigning a credit card attribute to the affiliate card, the card attribute information includes various attribute information (eg, credit limit, etc.) for use in payment through a credit card payment system for issuing the affiliate card. When the check card / debit card / cash card attribute is given to the affiliate card, the card attribute information may include customer account information associated with the affiliate card, and the prepaid card attribute is added to the affiliate card. In the case of granting, the card attribute information may include information on the amount of charge charged in the affiliate card.

Those skilled in the art will be able to infer various technical configurations of the card attribute information, so a detailed description thereof will be omitted.

In addition, the utilization amount information for the affiliated card is preferably made to include a predetermined amount of the limit given to the affiliated card by the card issuing affiliated institution, and then a part (or all) of the utilization amount is the card. It is preferable to deposit in the form of a customer allowance from the issuing affiliate institution to the card issuer.

According to an exemplary embodiment of the present invention, the approval target information for each limit includes at least one merchant information (or merchant group information), payment amount information, online / offline payment channel information, etc. to be paid and processed through the utilization amount. It is preferable to comprise at least one or more.

According to another exemplary embodiment of the present invention, the approval target information for each limit may include information for first subtracting the payment amount through the affiliate card from the usage amount regardless of the payment condition corresponding to the affiliate card. It is possible, and the invention is not limited thereby.

Thereafter, the server issues the at least one affiliate card including at least one of customer information corresponding to the affiliate card, card information, and card attribute information to the card company server 110 through the communication means. In operation 2270, the card company server 110 stores the affiliate card operation information further including the card issuing affiliate information in the affiliate card issuing information in a predetermined card information D / B 2035 ( 2275).

In addition, the card company server 110 sets predetermined credit limit amount information for the affiliate card and approval target information for each limit on the card limit amount (2280).

According to an embodiment of the present invention, when the affiliate card includes a credit card attribute, the card company server 110 checks the credit rating of the customer who is issued the affiliate card, and then predetermined credit limit corresponding to the customer credit rating. It is preferable to set the amount of money to the card limit amount of money.

According to another embodiment of the present invention, when the affiliate card includes a check card / debit card attribute, the card company server 110 checks the customer account associated with the affiliate card, and stores the customer account balance on the card. It is preferable to set the limit amount.

In addition, the card company server 110 sets the permissible information for each limit including at least one or more merchant information (or merchant group information) to be settled through the set credit limit amount, and / or the set credit limit. Setting a per-approval target information that includes at least one payment amount per day or at least one daily / weekly / monthly payment amount, and / or when the affiliate card is processed through an online payment channel. It is recommended to set the subject-specific authorization information to allow the payment amount to be processed through the card limit amount or to process the payment amount through the card limit amount when the payment amount is processed through the offline payment channel. desirable.

According to another exemplary embodiment of the present invention, the card company server 110 allows the approval target information for each limit to be first subtracted from the card limit amount of the payment amount through the affiliate card regardless of the payment condition corresponding to the affiliate card. Or, it may be made to include information to first subtract from the usage amount registered in the affiliate server 100, whereby the present invention is not limited.

If the predetermined card limit amount information for the affiliated card and the approval target information for each limit on the card limit amount are set (2285), the card company server 110 may determine the card limit amount information and the card limit amount. The authorization target information for each limit is included in the affiliated card operation information and stored in the card information D / B 2035 (2290).

According to an embodiment of the present invention, the card information D / B 2035 is preferably provided in a DBMS on a predetermined financial system provided in the card issuing institution (or associated with the card issuing institution). The card information D / B 2035 may be a ledger D / B provided in a DBMS on the financial system and / or a predetermined database associated with the ledger D / B, whereby the present invention is not limited thereto. No.

According to another exemplary embodiment of the present invention, the card information D / B 2035 may include an online payment system, and / or a WAP-based wireless payment system, and / or IC provided in the card issuer. It is possible to be provided in the DBMS on at least one or more of the chip-based wireless payment system, and / or the tele payment system, whereby the present invention is not limited.

According to another embodiment of the present invention, the card information D / B 2035 is an internet banking system, and / or a telebanking system, and / or a wireless banking system provided to (or associated with) the card issuing institution. It is possible to be provided in the DBMS on at least one banking system of, and / or a TV banking system, whereby the present invention is not limited.

Thereafter, the card company server 110 transmits the set card limit amount information and the authorization target information for each limit on the card limit amount to the server through the communication means (2295). The affiliated card issuance information stored in the medium 2050 further stores the card limit amount information and the authorization target information for each limit on the card limit amount (2299).

FIG. 23 is a diagram illustrating a card registration system for issuing an affiliate card in MS / IC form through real-time lease (or numbering) of card numbers according to another embodiment of the present invention.

In more detail, FIG. 23 shows that when a predetermined customer provides card registration application information for issuing an affiliate card through leasing a predetermined card number to a card issuing affiliate institution through a predetermined card registration interface, the card issuing affiliate institution is configured to provide the card registration application information. A system configuration for issuing an affiliate card in the form of a predetermined MS (Magnetic Stripe) card or IC (Integrated Circuit) card to the customer based on the card registration application information provided, and specifically, the card issuance partner issuing the card. When an institution requests a predetermined card number to be assigned to the affiliated card, the card issuing agency generates a rental card number and provides the card issuing agency to the card issuing affiliate institution in response to the request. A method of assigning to a predetermined affiliated card is shown.

Those skilled in the art to which the present invention pertains can refer to this drawing 23 and / or modify it to infer various implementation methods for the configuration of a card registration system for issuing an affiliate card through leasing the card number. However, the present invention includes all the implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

Hereinafter, at least one means and / or function for issuing a predetermined affiliate card to the customer based on the card registration application information provided from the customer through a predetermined card registration interface on the card registration system shown in FIG. 23. Components corresponding to the configuration are referred to as "affiliate server 100" for convenience, and the card issuing agency provided with the affiliate server 100 may be a mobile communication company affiliated with the card issuing institution, various wireless communication companies, various wired communication companies, It is preferable to include at least one or more portal operators.

Referring to this figure 23 according to the embodiment of the present invention, the card registration system for issuing an affiliate card through the lease of the card number, an employee terminal used by an affiliated employee provided in at least one card issuer (or financial institution) And / or a client terminal including at least one wired terminal and / or a wireless terminal used by the customer when the card registration system supports a non-face-to-face card registration application. Characterized in that the employee terminal and / or client terminal is connected to the communication channel and the affiliate server 100 provided in the card issuing affiliate institution through a predetermined network means.

According to one embodiment of the present invention, the customer visits the card issuing agency to issue an affiliate card through the card number leasing and through the window provided at the card issuing institution (or through an affiliated employee). Fill out a predetermined card registration application for issuing an affiliate card through lease (e.g., a document with a form for filling in at least one item of information for issuing an affiliate card through lease of the card number) and / or the affiliate employee Visit the customer and have the customer fill out a predetermined card registration application for issuing an affiliate card through leasing the card number), and submit the completed card registration application to the affiliated employee. Enter (or select) the information entered on the card registration application through the employee's terminal The employee terminal preferably transmits the input (or selected) information to the affiliate server 100 provided in the card issuing affiliate institution through the network means.

Here, preferably, the employee terminal includes an employee terminal used by an affiliated employee provided in the card issuing institution, and the affiliate server 100 connected to the employee terminal is the card issuing institution (or financial institution, or the And a server provided on a card issuing agency affiliated with a card issuing institution, wherein the network means for connecting the employee terminal and the affiliate server 100 is between the employee terminal and the affiliate server 100. It is preferable to include a communication network connecting the communication channel.

In the card registration system as described above, the card registration application created by the customer, the employee terminal used by the affiliated employee and the financial network connecting the employee terminal and the affiliated server 100, the customer rents the card number. It performs a function of a card registration interface for registering card registration application information for issuing an affiliate card through.

According to another exemplary embodiment of the present invention, when the card registration system supports a non-face-to-face card registration application, the customer is selected from a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network. Access the affiliate server 100 through at least one client terminal and input card registration application information for issuing an affiliate card through lease of the card number through at least one user interface provided by the affiliate server 100. (Or optional), the client terminal preferably transmits through the predetermined network means to the affiliate server 100 provided in the card issuing affiliate institution.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices connected to a TCP / IP based communication network, and a desktop computer and / or a notebook 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.

In addition, the wireless terminal connected to the wireless communication network is all terminal devices connected to a code division multiple access (CDMA) based mobile communication network, and / or all terminal devices connected to a high speed downlink packet access (HSDPA) based wireless communication network, and / Or all terminal devices connected to the IEEE 802.16x based mobile Internet, and / or all terminal devices connected to Motorola's DataTAC method and / or Erricson's Mobitex type wireless data communication network, and are personal communications connected to the CDMA based mobile communication network. Terminal (Personal Communication System; PCS) and / or Global System for Mobile communications (GSM) terminals and / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or personal information terminals (Personal Digital Assistant; PDA) and / or Smart Phone and / or Telematics, or High Speed Do at least one wireless communication terminal connected to a wireless communication network based on a wnlink packet access), a portable internet terminal connected to the IEEE 802.16x based mobile Internet, or a wireless data communication terminal connected to the DataTAC / Mobitex based wireless data communication network. It is preferable to make.

The client terminal may output at least one user interface provided by the affiliate server 100, input and / or select at least one information through the user interface, and transmit the same to the affiliate server 100. It is preferable that a function configuration (e.g., a browser program and a communication function, or a predetermined communication program and a communication function to communicate with the affiliate server 100) 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 and / or wireless terminals, and thus a detailed description thereof will be omitted for convenience. .

In the card registration system as described above, a client terminal including at least one wired terminal and / or a wireless terminal used by the customer, at least one wired communication network connecting the client terminal and the affiliate server 100 and / or Alternatively, the wireless communication network performs a function of a card registration interface for registering the card registration application information for the customer to issue an affiliated card through leasing the card number.

According to another embodiment of the present invention, when the card registration system supports a non-face-to-face card registration application, the card registration terminal, in addition to the employee terminal and / or client terminal, a predetermined financial network (eg, 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. And a terminal (and / or standing) provided in at least one or more organizations affiliated with the card issuing organization, and / or further comprising a predetermined call terminal (not shown) connected to the card issuing organization. Burr (not shown) may be further included, whereby the present invention is not limited.

In the case of supporting a non-face-to-face card registration application as described above, when the card registration terminal is the financial automatic device (not shown), the financial automatic device (not shown) and the financial automatic device (not shown) And a financial network connecting the affiliate server 100 performs a function of a card registration interface for registering the card registration application information for the customer to issue an affiliate card through the lease of the card number, and / or the card registration. When the terminal is the call terminal (not shown), the wired telephone network and / or the wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the affiliate server 100 may be used by the customer. Performs a function of a card registration interface for registering card registration application information for issuing an affiliate card through number rental, and / or the card registration terminal In the case of a terminal (and / or server) (not shown) provided in an institution affiliated with the card issuing organization, the terminal (and / or server) (not shown) and the terminal (and / or server) (not shown) Network connecting the affiliate server 100 performs a function of a card registration interface for registering the card registration application information for issuing an affiliate card through the card number rental.

The storage medium 2350 provided in the card issuing affiliate institution issues a predetermined alliance card to the customer based on the card registration application information provided from the card registration terminal, and then the customer information according to the issuance of the alliance card. And affiliated card issuance information including at least one affiliated card information and card attribute information, wherein the affiliated card issuance information stored in the storage medium 2350 is used to lease the card number from a card issuing affiliated institution. It is used to provide affiliate card related services through.

According to another exemplary embodiment of the present invention, the storage medium 2350 may be connected to a predetermined DBMS interoperating with a server (or device) that performs a predetermined information processing function by using the affiliated card issuing information at the card issuing affiliate. Preferably, the storage medium 2350 may be provided at various positions according to the intention of those skilled in the art, and the present invention is not limited thereto.

The affiliate server 100 provided in the card issuing affiliate institution is a generic term for the card issuing affiliate institution component connected to the card registration terminal 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 affiliate server 100 is provided with an interface unit 2300 (or interface means) for providing a predetermined card registration interface to the card registration terminal through the network means. do.

According to an embodiment of the present invention, when the card registration terminal is an employee terminal connected to a predetermined financial network, the interface unit 2300 communicates with the employee terminal based on a protocol stack defined in the financial network. It is preferable to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in the card registration application program provided in the employee terminal.

According to another exemplary embodiment of the present invention, when the card registration terminal is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 2300 is based on the protocol stack defined in the wired communication 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 a browser program corresponding to a Hyper-Text Transfer Protocol (HTTP) protocol is provided in the client terminal, the interface unit 2300 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 a predetermined card registration application program provided by the affiliate server 100 is provided in the client terminal, the interface unit 2300 connects a communication channel with the client terminal based on the TCP / IP protocol. It provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another embodiment of the present invention, when the card registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 2300 is based on a protocol stack defined in the wireless communication network. It is preferable to connect a predetermined communication channel with the client terminal, and to provide a communication interface for transmitting and receiving at least one or more 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 2300 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 registration application program provided by the affiliate server 100, the interface unit 2300 connects a communication channel with the client terminal based on the CDMA protocol, and the communication program Provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in.

Referring to FIG. 23, the affiliate server 100 is connected with the interface unit 2300 when a predetermined card registration terminal is connected to the affiliate server 100 through the interface unit 2300. An interface providing unit 2305 (or interface providing means) for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined card registration application information to the card registration terminal; An information receiving unit 2310 (or information receiving means) for receiving predetermined card registration application information which is input (or selected) and transmitted from the card registration terminal through the user interface in association with the interface unit 2300; Validation unit 2315 (or validity) for checking the validity of issuing the affiliate card to the customer based on the registered card registration application information And a predetermined card number to be assigned to the affiliated card by the card company server 110 based on the card registration application information through the communication means, and correspondingly, the card company server 110 requests a predetermined card number from the card company server 110. A card number assignment unit (2325) (or card number assignment means) for receiving the rental card number of the card and assigning the card number to the affiliate card number of the registered affiliate card, and generating predetermined affiliate card information including the affiliate card number. The card information generating unit 2330 (or information generating means) and the credit card issuing partner for setting the usage amount granted to the customer and the approval target for each limit on the usage amount corresponding to the cooperation card are used. A card for issuing a predetermined affiliate card including the affiliated card information through the figure setting unit 2335 (or the usage degree setting means) and a predetermined card registration device. Issuing unit 2345 (card issuing means), and an information storage unit 2340 (or information storing means) for storing the predetermined affiliated card issuing information corresponding to the affiliated card issued to the customer in the storage medium 2350. It characterized by comprising a.

In addition, the affiliate server 100 after the predetermined partnership card is issued through the card issuing unit 2345, the predetermined through the communication means (for example, a dedicated communication network, or a secure communication network based on encrypted communication) The card company server 110 provided in the card issuing organization is characterized in that it comprises an information transmitting and receiving unit 2320 for transmitting the customer information, card information, and card attribute information corresponding to the partnership card.

In addition, the information transmitting and receiving unit 2320 is the card number assignment unit 2325 in order to allocate a predetermined cooperation card number, in connection with the card number assignment unit 2325 through the communication means to apply for the card registration Request a predetermined card number (or transmit card number request information) to the card company server 110 based on the information, and correspondingly receive the predetermined card number from the card company server 110 to receive the card number. It is possible to provide to the allocating unit 2325, whereby the present invention is not limited.

In addition, when the predetermined partner card number is assigned by the card number assignment unit 2325, the information transmitting and receiving unit 2320 is the card company server 110 provided to the card issuer through the communication means to the card company The affiliate card number assigned by the number assignment unit 2325 is transmitted, and a card verification value (or verification code) corresponding to the affiliate card number from the card company server 110 (eg, a CVV (Card Verification) of a visa card. Value), CVC (Card Validation Code) of the master card, CID (Confidential Identifier Number or Card Identification Number) of the American Express card), and the like, and the card company server 110 for allocating the affiliated card number. When the lease card number received from the card includes a predetermined card verification value (or verification code), the information transmitting and receiving unit 2320 is a card verification value (or verification) for the affiliated card number The function of transmitting / receiving verification code) may be omitted.

The interface providing unit 2305, when a predetermined card registration terminal is connected to the affiliate server 100 through the interface unit 2300, the card registration application information corresponding to the functional configuration provided in the card registration terminal Generate a predetermined user interface that can be input (or selected) and transmitted to the affiliate server 100 via the network means, and / or extract from a predetermined database (not shown), and the interface unit 2300 And providing the generated (or extracted) user interface to the card registration terminal through the network means.

Thereafter, the card registration terminal inputs (or selects) the card registration application information based on the user interface, and transmits the input (or selected) card registration application information to the affiliate server 100 through the network means. send.

According to an embodiment of the present invention, when the card registration terminal is an employee terminal connected to a predetermined financial network, the interface providing unit 2305 is a predetermined user interface that can be provided by a card registration application program provided in the employee terminal. It is preferable to generate (or extract) and provide the user interface generated (or extracted) to the employee terminal through the interface unit 2300.

According to another exemplary embodiment of the present invention, when the card registration terminal is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface providing unit 2305 may include a browser program and / or provided in the client terminal. 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 2300.

According to another embodiment of the present invention, when the card registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 2305 is a browser program provided in the client terminal and / 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 2300.

When the information receiving unit 2310 inputs (or selects) predetermined card registration application information through the user interface from the card registration terminal and transmits the information through the network means, the card registration unit interlocks with the interface unit 2300 to register the card. And receiving the application information, and provides the received card registration application information to the validity authentication unit 2315.

According to an embodiment of the present invention, the card registration application information includes customer information of the card registration customer and at least one or more kinds of card attribute information for setting card attributes for the affiliated card.

Here, the customer information is personal information of the card registered customer (for example, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.), and the customer has subscribed to the affiliate server 100. It is preferable to include at least one member information (eg, member ID information).

Further, the card attribute information for the affiliate card may be assigned to a credit card attribute, a check card attribute, a debit card attribute, a cash card attribute, or a prepaid card firing. It is preferable to include at least one or more attribute setting information to be provided.

For example, when assigning a credit card attribute to the affiliate card, the card attribute information may include credit inquiry consent information for issuing the affiliate card, and assigns a check card / debit card / cash card attribute to the affiliate card. In the case of granting, the card attribute information may include customer account information associated with the affiliate card. When the prepaid card attribute is assigned to the affiliate card, the card attribute information may be set to the affiliate card. It may include a prepaid card charging information for charging.

According to another embodiment of the present invention, when the card attribute is fixed by the card issuing affiliate (or card issuing authority) or is set in a policy, the card attribute information may be omitted, thereby limiting the present invention. Not.

According to the embodiment of the present invention, the card registration request information may further include predetermined utilization request information including a predetermined utilization request amount. In this case, the utilization setting unit 2335 may be configured as described above. It is possible to set the utilization amount for the affiliated card based on the utilization request amount included in the utilization application information, whereby the present invention is not limited.

The validity authentication unit 2315 may verify the validity of issuing the affiliate card to the customer based on the customer information included in the received card registration application information.

According to the implementation method of the present invention, the validity confirmation for issuing the alliance card to the customer, based on the customer name and resident registration number included in the customer information, a predetermined real name verification server (not shown) It is preferable to include a) to confirm the real name of the customer in conjunction with).

In addition, when the affiliated card includes a credit card attribute, the validity check for issuing the affiliated card to the customer is based on a predetermined communication means based on the customer information. It is preferable to include the check the credit information of the customer in conjunction with).

In addition, when the affiliate card includes a check card / debit card attribute, the validity check for issuing the affiliate card to the customer is performed based on the customer information. It is preferable that the customer account associated with the card is formed in connection with a financial institution server (not shown) opened and confirming whether the customer account is opened and normally operated.

The card number allocating unit 2325 is a card company server provided in the card issuing organization based on the card registration application information through the communication means (or through the communication means in association with the information transmitting and receiving unit 2320). Request a predetermined card number to be assigned to the affiliate card (or transmit card number request information), and confirm (or receive) a predetermined rental card number to be assigned to the affiliate card from the card company server 110; And generating (or extracting) a predetermined affiliate card number including the lease card number and assigning it to the affiliate card.

According to an embodiment of the present invention, when the lease card number received from the card company server 110 includes a 16-digit lease card number, the card number assignment unit 2325 uses the lease card number as the affiliate card number. It is preferable to extract.

According to another embodiment of the present invention, when the lease card number received from the card company server 110 includes the 9-digit serial number of the 16-digit card number, the card number allocator 2325 is the 9-digit number. It is preferable to generate a predetermined affiliate card number including a rental card number corresponding to the serial number, a card issuer information number, a card type number, and a check digit.

If the person having ordinary knowledge in the technical field to which the present invention belongs, if the lease card number follows a card number system other than the 16-digit card number, the lease card number to the affiliated card number according to the card number system Various implementation methods may be inferred, and the present invention is characterized by including all implementation methods inferred.

According to the exemplary embodiment of the present invention, when a predetermined cooperative card number is assigned by the card number assignment unit 2325, the information transmission / reception unit 2320 is a card company server provided in the card issuing organization through the communication means. And transmits the affiliate card number assigned by the card number assignment unit 2325 to a card verification value (or verification code) corresponding to the affiliate card number from the card company server 110 (eg, a visa card). It is preferable to receive the CVV (Card Verification Value), Master Card CVC (Card Validation Code), American Express card CID (Confidential Identifier Number or Card Identification Number), etc., received from the card company server 110 When the card verification value (or verification code) is included in the rental card number, or the card verification value (or verification code) generation function is provided in the card number assignment unit 2325, The function of transmitting and receiving the card verification value (or verification code) for the association card number may be omitted.

When the affiliate card number is generated (or extracted) as described above, the card information generator 2330 may generate predetermined affiliate card information including the affiliate card number.

According to an embodiment of the present invention, the affiliate card information includes at least one affiliate card number, a card verification value (or verification code), the card expiration date (some may be omitted), and card issuer information (or code). It is preferable to make it.

For example, the card number (although some exceptions exist) preferably includes a four-digit card issuing organization number, a two-digit card type number, a nine-digit serial number, and a check digit.

The expiration date information is preferably made to include the period (or expiration date and time) that can be used for the affiliate card, it may be omitted if the expiration date does not exist in the affiliate card, thereby the present invention is not limited .

The card issuing organization information (or code) preferably includes at least one or more unique numbers (or unique codes) assigned to the card issuing institution (or financial company) that issues the affiliated card to the customer.

When predetermined affiliated card information included in the affiliated card is generated by the card information generator 2330, the utilization setting unit 2335 may set a predetermined amount of money according to the utilization policy of the card issuing affiliated institution. Characterized in that the issuing affiliated institution is set to the usage amount that is assigned to the affiliated card.

Alternatively, the utilization setting unit 2335 may determine the customer grade set by the card issuing affiliate institution or the customer's loyalty to the card issuing affiliate institution based on the customer information included in the card registration application information. In consideration of the above, the predetermined amount is set as a usage amount which the card issuing affiliate institution gives to the affiliate card.

Alternatively, the utilization setting unit 2335 checks the credit rating of the customer in association with at least one credit rating server (not shown) based on the customer information included in the card registration application information, and then corresponds to the credit rating. It is characterized in that the predetermined amount of money is set to the utilization amount that the card issuing affiliated organization gives to the affiliated card.

Alternatively, the utilization setting unit 2335 checks the account balance of the customer in association with at least one financial company server (not shown) based on the customer information included in the card registration application information, and then corresponds to the account balance. It is characterized by setting a certain amount of money to the utilization amount that the card issuing affiliated organization gives to the affiliated card.

Alternatively, the utilization setting unit 2335 requests the credit limit amount information of the customer from the card company server 110 provided in the card issuing agency based on the customer information included in the card registration application information. Characterized in that a certain percentage of the amount corresponding to the credit limit amount to be confirmed is characterized in that the card issuance affiliated institutions to set the amount of the usage amount that the affiliated card.

Those skilled in the art to which the present invention pertains, in addition to the usage setting method described above, it is possible to infer various implementation methods in which the card issuing affiliate institution gives a predetermined usage amount to the affiliate card. The invention is characterized in that it comprises all the methods of inference.

According to the exemplary embodiment of the present invention, the utilization setting unit 2335 may set the approval target information for each limit including at least one or more affiliate store information (or affiliate store group information) to be processed for payment through the set utilization amount. And / or to set authorization target information for each limit including at least one one-time payment amount or daily / weekly / monthly payment amount to be settled through the use amount set above, and / or When the payment is processed through the online payment channel, the payment amount is processed through the utilization amount, or when the payment is processed through the offline payment channel, the payment amount is processed through the utilization amount. It is desirable to set approval target information for each limit.

According to another exemplary embodiment of the present invention, the approval target information for each limit may include information for first subtracting the payment amount through the affiliate card from the usage amount regardless of the payment condition corresponding to the affiliate card. It is possible, and the invention is not limited thereby.

When predetermined affiliated card information included in the affiliated card is generated by the card information generator 2330, the card issuing unit 2345 generates an affiliated card including the affiliated card information through a predetermined card registration device. And (or having the affiliate card information included in the affiliate card), the affiliate card is provided (or delivered) to the customer.

If the affiliate card is an MS (Magnetic Stripe) card, the card registration apparatus records the affiliate card information on at least one MS track (eg, track I, track II, track III) included in the affiliate card. In this case, the card information generation unit 2330 generates affiliate card information in a data structure recordable in at least one or more MS tracks, and the card issuing unit 2345 uses the card registration device. By recording the affiliate card information in at least one MS track, a predetermined affiliate card to be issued to the customer is issued.

Alternatively, if the affiliated card is an IC (Integrated Circuit) card, the card registration device comprises a device for recording the affiliated card information in a memory provided in the IC chip of the affiliated card, wherein the card information generation The unit 2330 generates the affiliate card information in a file structure operable through a COS (Chip Operating System) provided in the IC chip, and the card issuing unit 2345 performs the affiliate card information through the card registration device. Is recorded in the memory of the IC chip, and a predetermined partnership card to be issued to the customer is issued.

The affiliated card produced as described above is provided to the customer and / or delivered to the customer according to a predetermined card providing procedure, and the customer then uses the affiliated card through the card issuing affiliated agency.

Thereafter, the information storage unit 2340 may include the customer information included in the card registration application information received from the customer through the information receiving unit 2310, the generated affiliate card information, card attribute information of the affiliate card, and the like. Characterized in that the storage card 2350 is stored in the storage card (2350), the affiliated card issuance information including at least one of the usage amount information and the limit-specific approval target information for the partnership card.

Here, the customer information included in the affiliated card issuance information includes personal information of the card registered customer (for example, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.), and the customer It is preferable to include at least one member information (for example, member ID information) subscribed to the affiliate server 100.

In addition, the card attribute information included in the affiliate card issuance information may be assigned to a credit card attribute, a check card attribute, a debit card attribute, a cash card attribute, or prepaid. At least one attribute setting information for imparting card firing is preferably included.

For example, when assigning a credit card attribute to the affiliate card, the card attribute information includes various attribute information (eg, credit limit, etc.) for use in payment through a credit card payment system for issuing the affiliate card. When the check card / debit card / cash card attribute is given to the affiliate card, the card attribute information may include customer account information associated with the affiliate card, and the prepaid card attribute on the affiliate card. In the case of granting the credit card information, the card property information may include information on the amount of charge charged in the affiliated card.

Those skilled in the art will be able to infer various technical configurations of the card attribute information, so a detailed description thereof will be omitted.

In addition, the utilization amount information for the affiliated card is preferably made to include a predetermined amount of the limit given to the affiliated card by the card issuing affiliated institution, and then a part (or all) of the utilization amount is the card. It is preferable to deposit in the form of a customer allowance from the issuing affiliate institution to the card issuer.

According to an exemplary embodiment of the present invention, the approval target information for each limit includes at least one merchant information (or merchant group information), payment amount information, online / offline payment channel information, etc. to be paid and processed through the utilization amount. It is preferable to comprise at least one or more.

According to another exemplary embodiment of the present invention, the approval target information for each limit may include information for first subtracting the payment amount through the affiliate card from the usage amount regardless of the payment condition corresponding to the affiliate card. It is possible, and the invention is not limited thereby.

Referring to FIG. 23, the card company server 110 of the card issuing organization connected to the affiliate server 100 through a predetermined communication means may request predetermined card number request information from the affiliate server 100 through the communication means. When the card number request information is received from the affiliate server 100 through the information transmitting and receiving unit 2355 (or information receiving means) and the information transmitting and receiving unit 2355, the card number request information And a card number generation unit 2370 for generating a predetermined lease card number to be assigned to the affiliated card. The information transmitting / receiving unit 2355 (or information transmitting means) may use the lease card number. Characterized in that the transmission to the affiliate server (100).

According to the present invention, when the card number generation unit 2370 generates a predetermined rental card number, a verification card information generation unit generating a predetermined card verification value (or verification code) corresponding to the generated card number. And 2330, wherein the information transmitting and receiving unit 2355 (or information transmitting means) sends the lease card number and the card verification value (or verification code) to the affiliate server 100. Characterized in that the transmission.

Here, the rental card number, including all 16-digit card number, or nine-digit serial number of the 16-digit card number (for example, the first four digits corresponding to the card issuing agency number and correspond to the card type number) 2 digits, and the remaining 9 digit serial number except the last 1 digit corresponding to the check digit), and according to the intention of those skilled in the art It may be produced.

Those skilled in the art to which the present invention pertains, the verification card information generation unit 2330 is the CVV (Card Verification Value) of the Visa card, CVC (Card Validation Code) of the master card, the American Express card Since you will be familiar with the technical features for generating a card verification value (or verification code) including at least one CID (Confidential Identifier Number or Card Identification Number), a detailed description thereof will be omitted for convenience.

According to the present invention, the card company server 110 of the card issuing organization connected to the affiliate server 100 through a predetermined communication means may receive a predetermined card verification value from the affiliate server 100 through the communication means (or Verification code) When a predetermined affiliated card number is received from the affiliate server 100 through the information transmitting and receiving unit 2355 (or information receiving means) and the information transmitting and receiving unit 2355 for receiving the request information (or the card). And a verification card information generation unit 2330 for generating a predetermined verification value (or verification code) corresponding to the affiliated card number. The information transmitting and receiving unit 2355 (or information transmitting means) transmits a card verification value (or verification code) corresponding to the affiliate card number to the affiliate server 100.

According to the present invention, the card company server 110 of the card issuing organization connected to the affiliate server 100 through a predetermined communication means corresponds to the issued affiliate card from the affiliate server 100 through the communication means. An information transmitting / receiving unit 2355 (or information receiving means) for receiving affiliate card issuance information including at least one of customer information, affiliate card information, and card attribute information corresponding to the affiliate card; And an information storage unit 2365 for storing, in the predetermined card information D / B 2380, the affiliate card operation information in which the affiliate card information and the card attribute information are linked to the affiliated agency information corresponding to the card issuing affiliated institution. Characterized in that made.

Referring to FIG. 23, the card company server 110 of the card issuing organization connected to the affiliate server 100 through a predetermined communication means may limit the predetermined card limit amount and the card limit amount for the affiliate card. The card limit setting unit 2375 (or card limit setting means) for setting the target of approval for each card, and the card limit amount information and the approval target information for the limit on the card limit amount in the partnership card operation information. An information storage unit (2365) (or information storage means) for storing in the information D / B (2380), and the approval target information for each limit on the card limit amount information and the card limit amount amount through the communication means through the affiliate server It is characterized by comprising an information transmitting and receiving unit 2355 (or information transmitting means) for transmitting to (100).

If the affiliated card includes a credit card attribute, the card limit setting unit 2375 checks the credit level of the customer who is issued the affiliate card, and then sets a predetermined credit limit amount corresponding to the credit limit of the card. It characterized in that it is set to.

Alternatively, when the affiliated card includes a check card / debit card attribute, the card limit setting unit 2375 checks a customer account associated with the affiliated card, and sets the customer account balance as the card limit amount. It is characterized by.

According to the exemplary embodiment of the present invention, the card limit setting unit 2375 sets approval target information for each limit including at least one or more affiliate store information (or affiliate store group information) to be processed for payment through the set credit limit amount. And / or to set a limit authorization information including at least one one-time payment amount or a daily / weekly / monthly payment amount to be processed through the set credit limit amount, and / or the affiliate card is online. Limit to allow the payment amount to be processed through the card limit amount if the payment is made through the payment channel, or to process the payment amount through the card limit amount if the payment is processed through the offline payment channel. It is desirable to set the approval target information.

According to another exemplary embodiment of the present invention, the approval target information for each limit may be set to first subtract the payment amount through the affiliate card from the card limit amount, regardless of the payment condition corresponding to the affiliate card, or the affiliate server ( It is possible to include information to first subtract from the usage amount registered in 100), whereby the present invention is not limited.

Thereafter, the affiliated card management information stored in the card information D / B 2380 is used by the card issuing organization to provide a payment service or various additional services in association with at least one affiliated store.

According to one embodiment of the present invention, the card information D / B 2380 is preferably provided in a DBMS on a predetermined financial system provided in the card issuing institution (or associated with the card issuing institution). The card information D / B 2380 may be a ledger D / B provided in a DBMS on the financial system and / or a predetermined database associated with the ledger D / B, whereby the present invention is not limited thereto. No.

According to another exemplary embodiment of the present invention, the card information D / B 2380 is an online payment system provided in the card issuer (or associated with) and / or a WAP-based wireless payment system, and / or an IC. It is possible to be provided in the DBMS on at least one or more of the chip-based wireless payment system, and / or the tele payment system, whereby the present invention is not limited.

According to another embodiment of the present invention, the card information D / B 2380 is an internet banking system, and / or a telebanking system, and / or a wireless banking system provided to (or associated with) the card issuing institution. It is possible to be provided in the DBMS on at least one banking system of, and / or a TV banking system, whereby the present invention is not limited.

24 is a diagram illustrating a card registration process for issuing an affiliate card through card number rental according to an embodiment of the present invention.

More specifically, in FIG. 24, a predetermined customer creates a predetermined card registration application through a face-to-face card registration interface (e.g., the card registration application, employee terminal, and network means) in the card registration system shown in FIG. When the affiliated employee submits (or selects) the card registration application information corresponding to the card registration application through a predetermined card registration terminal and transmits it to the affiliated server 100, the affiliated server ( 100 shows a process of issuing a predetermined affiliate card by renting the card number to the customer based on the card registration application information, specifically, the card issuing agency from the card issuing agency to the card issuing agency. When requesting a predetermined card number to be allocated, the card issuing agency correspondingly rents a card. Generating a call to service by the card-issuing partners, and from the card-issuing partners shows a exemplary method for allocating the rental card number to a predetermined affiliated card.

Those of ordinary skill in the art to which the present invention pertains can refer to various embodiments of the present invention to infer various methods of issuing the affiliated card for issuing the affiliated card through lease of the card number. However, the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

For example, FIG. 24 illustrates that the affiliated card is produced and provided (or shipped) to the customer, and then the affiliated card issuance information is stored in the storage medium 2350. The process of storing the predetermined affiliate card issuance information in the storage medium 2350 may be performed before the affiliate card is produced or before the affiliate card is produced (or delivered) to the customer. The present invention is not limited.

Hereinafter, in FIG. 24, the card registration terminal shown in FIG. 23 is called "terminal" for convenience, and the affiliate server 100 is called "server" for convenience.

Referring to FIG. 24, in order to issue the affiliated card for issuing an affiliated card through leasing the card number, the customer is prescribed through a face-to-face card registration interface (eg, the card registration application, employee terminal, and network means). When a card registration application (for example, a document having a form for filling in at least one information item for issuance of an affiliate card through lease of the card number) is completed and submitted to an affiliated employee, the terminal is connected by the affiliated employee. The card registration application information corresponding to the card registration application prepared by the customer is input (or selected) through a predetermined user interface (2400), and the card registration application information is transmitted to the server through the network means (2405). .

According to an embodiment of the present invention, the card registration application information includes customer information of the card registration customer and at least one or more kinds of card attribute information for setting card attributes for the affiliated card.

Here, the customer information is personal information of the card registered customer (for example, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.), and the customer has subscribed to the affiliate server 100. It is preferable to include at least one member information (eg, member ID information).

Further, the card attribute information for the affiliate card may be assigned to a credit card attribute, a check card attribute, a debit card attribute, a cash card attribute, or a prepaid card firing. It is preferable to include at least one or more attribute setting information to be provided.

For example, when assigning a credit card attribute to the affiliate card, the card attribute information may include credit inquiry consent information for issuing the affiliate card, and assigns a check card / debit card / cash card attribute to the affiliate card. In the case of granting, the card attribute information may include customer account information associated with the affiliate card. When the prepaid card attribute is assigned to the affiliate card, the card attribute information may be set to the affiliate card. It may include a prepaid card charging information for charging.

According to another embodiment of the present invention, when the card attribute is fixed by the card issuing affiliate (or card issuing authority) or is set in a policy, the card attribute information may be omitted, thereby limiting the present invention. Not.

Thereafter, the server receives and reads the card registration request information from the terminal through the network means and issues the affiliated card through leasing the card number to the customer based on the customer information included in the card registration request information. The card registration validity for issuing the affiliate card is checked (2410).

According to the implementation method of the present invention, the validity confirmation for issuing the alliance card to the customer, based on the customer name and resident registration number included in the customer information, a predetermined real name verification server (not shown) It is preferable to include a) to confirm the real name of the customer in conjunction with).

In addition, when the affiliated card includes a credit card attribute, the validity check for issuing the affiliated card to the customer is based on a predetermined communication means based on the customer information. It is preferable to include the check the credit information of the customer in conjunction with).

In addition, when the affiliate card includes a check card / debit card attribute, the validity check for issuing the affiliate card to the customer is performed based on the customer information. It is preferable that the customer account associated with the card is formed in connection with a financial institution server (not shown) opened and confirming whether the customer account is opened and normally operated.

If the validity to issue the affiliate card to the customer through the card registration application information is not authenticated (2415), the server provides card registration error information to the customer through the card registration interface (2420). Stop issuing the affiliate card to the customer.

On the other hand, if the validity for issuing the affiliate card to the customer is authenticated through the card registration application information (2415), the server sends the card to the card company server 110 based on the card registration application information through the communication means. Transmitting the number request information (2425), and correspondingly the card company server 110 generates a predetermined card number to be rented to the card issuing affiliate (2430), and the generated card number through the communication means Send to the server (2435).

When the predetermined card number to be assigned to the affiliated card is received as described above, the server transmits verification value (or verification code) request information for the card number to the card company server 110 through the communication means, and the In response, the card company server 110 receives a card verification value (or verification code) corresponding to the card number (2440).

According to another embodiment of the present invention, the card company server 110 generates the rental card number in response to the card number request information, and a predetermined card verification value (or verification code) corresponding to the generated card number. After generating, the card number and the card verification value (or verification code) may be transmitted to the server, whereby the present invention is not limited.

When the card number and the card verification value (or verification code) are received from the card company server 110 as described above, the server receives predetermined affiliate card information including the affiliate card number and the card verification value (or verification code). Create (2445).

Here, the affiliated card information may include a card number (eg, 16-digit card number) corresponding to the affiliated card, the received card verification value (or verification code), expiration date information (some may be omitted), and card issuer information ( Or code).

For example, the card number (although some exceptions exist) preferably includes a four-digit card issuing organization number, a two-digit card type number, a nine-digit serial number, and a check digit.

The expiration date information is preferably made to include the period (or expiration date and time) that can be used for the affiliate card, it may be omitted if the expiration date does not exist in the affiliate card, thereby the present invention is not limited .

The card issuing organization information (or code) preferably includes at least one or more unique numbers (or unique codes) assigned to the card issuing institution (or financial company) that issues the affiliated card to the customer.

According to an embodiment of the present invention, if the affiliate card is an MS card, the generated affiliate card information preferably includes a data structure recordable on at least one or more MS tracks provided in the MS card.

According to another exemplary embodiment of the present invention, if the affiliate card is an IC card, the generated affiliate card information may include a file structure operable through a chip operating system (COS) provided in the IC chip.

Thereafter, the server sets usage amount information including a predetermined limit amount assigned to the affiliate card by the card issuing affiliate institution and approval target information for each limit on the usage amount (2450).

According to the implementation method of the present invention, the server preferably sets a certain amount of money to be used by the card issuing affiliate to the affiliated card according to the utilization policy of the card issuing affiliate.

Alternatively, the server may set the predetermined amount in consideration of the customer grade set by the card issuing affiliate institution or the loyalty of the customer to the card issuing affiliate institution based on the customer information included in the card registration application information. It is preferable that the card issuance affiliated institution set the usage amount to be assigned to the affiliated card.

Alternatively, the server checks the credit rating of the customer in connection with at least one credit rating server (not shown) based on the customer information included in the card registration application information, and then, the server determines a predetermined amount of money corresponding to the credit rating. It is preferable that the card issuance affiliated institution set the usage amount to be assigned to the affiliated card.

Alternatively, the server checks the account balance of the customer in connection with at least one financial company server (not shown) based on the customer information included in the card registration application information, and then sets a predetermined amount of money corresponding to the account balance. It is preferable that the card issuance affiliated institution set the usage amount to be assigned to the affiliated card.

Or, the server requests the credit limit amount information of the customer to the card company server 110 provided in the card issuing agency based on the customer information included in the card registration application information, and the credit limit amount to be confirmed It is preferable to set the corresponding fixed amount of money to the utilization amount that the card issuing affiliate institution gives to the affiliate card.

Those skilled in the art to which the present invention pertains, in addition to the usage setting method described above, it is possible to infer various implementation methods in which the card issuing affiliate institution gives a predetermined usage amount to the affiliate card. It is preferable that the invention includes all the methods of inferring the above.

According to an exemplary embodiment of the present invention, the server sets approval target information for each limit including at least one or more affiliate store information (or affiliate store group information) to be processed for payment through the set utilization amount, and / or the set Set per-approval authorization information that includes at least one one-time payment amount, or at least one daily / weekly / monthly payment amount through a usage amount; and / or the affiliate card processes payment through an online payment channel. Set the approval target information for each limit to allow the payment amount to be processed through the utilization amount or to process the payment amount through the utilization amount when the payment is processed through the offline payment channel. It is desirable to.

According to another exemplary embodiment of the present invention, the approval target information for each limit may include information for first subtracting the payment amount through the affiliate card from the usage amount regardless of the payment condition corresponding to the affiliate card. It is possible, and the invention is not limited thereby.

If the utilization amount information for the affiliated card and the approval target information for the limit for the used amount are set (2455), the server provides a predetermined affiliated card with the affiliated card information through a predetermined card registration device. Produce (or deliver) to the customer to produce (2460).

According to an exemplary embodiment of the present invention, if the affiliate card is an MS card, the card registration apparatus may provide the affiliate card information to at least one or more MS tracks (eg, track I, track II, and track III) included in the affiliate card. It is preferable to include an apparatus for recording.

According to another embodiment of the present invention, if the association card is an IC card, the card registration device preferably includes an apparatus for recording the association card information in a memory provided in the IC chip of the association card.

Thereafter, the server issuing an affiliate card including at least one of customer information included in the card registration application information provided from the customer through the card registration interface, the generated affiliate card information, and card attribute information of the affiliate card. Information is stored in the storage medium 2350 (2465).

Here, the customer information included in the affiliated card issuance information may include personal information (for example, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.) of the card registration customer, and the customer. It is preferable to include at least one member information (for example, member ID information) subscribed to the affiliate server 100.

In addition, the card attribute information included in the affiliate card issuance information may be assigned to a credit card attribute, a check card attribute, a debit card attribute, a cash card attribute, or prepaid. At least one attribute setting information for imparting card firing is preferably included.

For example, when assigning a credit card attribute to the affiliate card, the card attribute information includes various attribute information (eg, credit limit, etc.) for use in payment through a credit card payment system for issuing the affiliate card. When the check card / debit card / cash card attribute is given to the affiliate card, the card attribute information may include customer account information associated with the affiliate card, and the prepaid card attribute is added to the affiliate card. In the case of granting, the card attribute information may include information on the amount of charge charged in the affiliate card.

Those skilled in the art will be able to infer various technical configurations for the card attribute information, so a detailed description thereof will be omitted.

In addition, the utilization amount information for the affiliated card is preferably made to include a predetermined amount of the limit given to the affiliated card by the card issuing affiliated institution, and then a part (or all) of the utilization amount is the card. It is preferable to deposit in the form of a customer allowance from the issuing affiliate institution to the card issuer.

According to an exemplary embodiment of the present invention, the approval target information for each limit includes at least one merchant information (or merchant group information), payment amount information, online / offline payment channel information, etc. to be paid and processed through the utilization amount. It is preferable to comprise at least one or more.

According to another exemplary embodiment of the present invention, the approval target information for each limit may include information for first subtracting the payment amount through the affiliate card from the usage amount regardless of the payment condition corresponding to the affiliate card. It is possible, and the invention is not limited thereby.

Thereafter, the server issues the at least one affiliate card including at least one of customer information corresponding to the affiliate card, card information, and card attribute information to the card company server 110 through the communication means. The card company server 110 stores the affiliated card operation information further including the card issuing affiliate information in the affiliated card issuing information in the predetermined card information D / B 2380. (2475).

In addition, the card company server 110 sets predetermined credit limit amount information for the affiliated card and approval target information for each limit on the card limit amount (2480).

According to an embodiment of the present invention, when the affiliate card includes a credit card attribute, the card company server 110 checks the credit rating of the customer who is issued the affiliate card, and then predetermined credit limit corresponding to the customer credit rating. It is preferable to set the amount of money to the card limit amount of money.

According to another embodiment of the present invention, when the affiliate card includes a check card / debit card attribute, the card company server 110 checks the customer account associated with the affiliate card, and stores the customer account balance on the card. It is preferable to set the limit amount.

In addition, the card company server 110 sets the permissible information for each limit including at least one or more merchant information (or merchant group information) to be settled through the set credit limit amount, and / or the set credit limit. Setting a per-approval target information that includes at least one payment amount per day or at least one daily / weekly / monthly payment amount, and / or the affiliate card is processed through an online payment channel. If the payment amount is processed through the card limit amount, or if the payment is processed through the offline payment channel, setting the target information for each limit to allow the payment amount to be processed through the card limit amount. It is preferable.

According to another exemplary embodiment of the present invention, the card company server 110 allows the approval target information for each limit to be first subtracted from the card limit amount of the payment amount through the affiliate card regardless of the payment condition corresponding to the affiliate card. Or, it may be made to include information to first subtract from the usage amount registered in the affiliate server 100, whereby the present invention is not limited.

If the predetermined card limit amount information for the affiliated card and the approval target information for each limit on the card limit amount are set (2485), the card company server 110 checks the card limit amount information and the card limit amount. The authorization target information for each limit is included in the affiliated card operation information and stored in the card information D / B 2380 (2490).

According to one embodiment of the present invention, the card information D / B 2380 is preferably provided in a DBMS on a predetermined financial system provided in the card issuing institution (or associated with the card issuing institution). The card information D / B 2380 may be a ledger D / B provided in a DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, thereby limiting the present invention. Not.

According to another exemplary embodiment of the present invention, the card information D / B 2380 may include an online payment system, and / or a WAP-based wireless payment system, and / or an IC chip provided in (or associated with) the card issuer. It is possible to be provided in the DBMS on at least one or more of the base wireless payment system, and / or the tele payment system, whereby the present invention is not limited.

According to another embodiment of the present invention, the card information D / B 2380 is an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided (or associated with) the card issuing organization. It is possible to be provided in the DBMS on at least one banking system of, and / or a TV banking system, whereby the present invention is not limited.

Thereafter, the card company server 110 transmits the set card limit amount information and the authorization target information for each limit on the card limit amount to the server through the communication means (2495). The affiliated card issuance information stored in the medium 2350 further stores the card limit amount information and the authorization target information for each limit on the card limit amount (2499).

25 is a diagram illustrating a card registration process for issuing an affiliate card through card number rental according to another embodiment of the present invention.

More specifically, FIG. 25 shows a non-face-to-face card registration interface (e.g., client terminal and network means including at least one wired terminal and / or wireless terminal) in a card registration system shown in FIG. When accessing the affiliate server 100 through the input (or select) the predetermined card registration application information and transmits, the affiliate server 100 leases the card number to the customer based on the card registration application information As a process of issuing a predetermined affiliate card through a card, specifically, when the card issuing agency requests a predetermined card number to be assigned to the affiliated card from the card issuing institution, the card issuing institution rents the card. Generate a card number and provide it to the card issuing affiliate institution. Is a number, the rental card showing the exemplary method of allocating a given affiliated card.

Those skilled in the art to which the present invention pertains can refer to this drawing 25 and / or modified to infer various implementation methods for issuing the alliance card for issuing the alliance card through lease of the card number. However, the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

For example, FIG. 25 illustrates that the affiliated card is produced and provided (or shipped) to the customer, and then the affiliated card issuance information is stored in the storage medium 2350. The process of storing the predetermined affiliate card issuance information in the storage medium 2350 may be performed before the affiliate card is produced or before the affiliate card is produced (or delivered) to the customer. The present invention is not limited.

Hereinafter, in FIG. 25, the card registration terminal shown in FIG. 23 is referred to as a "terminal" for convenience, and the affiliate server 100 is referred to as a "server" for convenience.

Referring to FIG. 25, the customer accesses the server through a predetermined terminal to connect a communication channel for card registration application, and the affiliate card for issuing an affiliate card through leasing the card number through the communication channel. The application is issued (2500), and in response, the server generates (or extracts) a user interface for issuing the affiliate card and provides the terminal to the terminal through the communication channel (2505).

Thereafter, the terminal receives (or selects) the card registration request information through the user interface and transmits the card registration request information (or selected) to the server through the communication channel (2510).

According to an embodiment of the present invention, the card registration application information includes customer information of the card registration customer and at least one or more kinds of card attribute information for setting card attributes for the affiliated card.

Here, the customer information is personal information of the card registered customer (for example, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.), and the customer has subscribed to the affiliate server 100. It is preferable to include at least one member information (eg, member ID information).

Further, the card attribute information for the affiliate card may be assigned to a credit card attribute, a check card attribute, a debit card attribute, a cash card attribute, or a prepaid card firing. It is preferable to include at least one or more attribute setting information to be provided.

For example, when assigning a credit card attribute to the affiliate card, the card attribute information may include credit inquiry consent information for issuing the affiliate card, and assigns a check card / debit card / cash card attribute to the affiliate card. In the case of granting, the card attribute information may include customer account information associated with the affiliate card. When the prepaid card attribute is assigned to the affiliate card, the card attribute information is a predetermined amount to the affiliate card. It may be made by including prepaid card charging information for charging.

According to another embodiment of the present invention, when the card attribute is fixed by the card issuing affiliate (or card issuing authority) or is set in a policy, the card attribute information may be omitted, thereby limiting the present invention. Not.

Thereafter, the server receives and reads the card registration request information from the terminal through the network means and issues the affiliated card through leasing the card number to the customer based on the customer information included in the card registration request information. The card registration validity for issuing the affiliate card is verified (2515).

According to the implementation method of the present invention, the validity confirmation for issuing the alliance card to the customer, based on the customer name and resident registration number included in the customer information, a predetermined real name verification server (not shown) It is preferable to include a) to confirm the real name of the customer in conjunction with).

In addition, when the affiliated card includes a credit card attribute, the validity check for issuing the affiliated card to the customer is based on a predetermined communication means based on the customer information. It is preferable to include the check the credit information of the customer in conjunction with).

In addition, when the affiliate card includes a check card / debit card attribute, the validity check for issuing the affiliate card to the customer is performed based on the customer information. It is preferable that the customer account associated with the card is formed in connection with a financial institution server (not shown) opened and confirming whether the customer account is opened and normally operated.

If the validity to issue the affiliate card to the customer is not authenticated through the card registration application information (2520), the server provides card registration error information to the customer through the card registration interface (2525). Stop issuing the affiliate card to the customer.

On the other hand, if the validity for issuing the affiliate card to the customer is authenticated through the card registration application information (2520), the server sends the card to the card company server 110 based on the card registration application information through the communication means. Sending the number request information (2530), and correspondingly, the card company server 110 generates a predetermined card number to be leased to the card issuing affiliated authority, and a predetermined card verification value corresponding to the generated card number ( Or a verification code) (2535), and transmits the generated card number and the card verification value (or verification code) to the server through the communication means (2540).

According to another exemplary embodiment of the present invention, the card company server 110 generates the rental card number in response to the card number request information and transmits the rental card number to the server, and then a predetermined card corresponding to the card number from the server. When the verification value (or verification code) request information is received, a predetermined card verification value (or verification code) corresponding to the card number may be generated and transmitted to the server, and the present invention is not limited thereto.

When the card number and the card verification value (or verification code) are received from the card company server 110 as described above, the server receives predetermined affiliate card information including the affiliate card number and the card verification value (or verification code). Create (2545).

Here, the affiliated card information may include a card number (eg, 16-digit card number) corresponding to the affiliated card, the received card verification value (or verification code), expiration date information (some may be omitted), and card issuer information ( Or code).

For example, the card number (although some exceptions exist) preferably includes a four-digit card issuer number, a two-digit card type number, a nine-digit serial number, and a check digit.

The expiration date information is preferably made to include the period (or expiration date and time) that can be used for the affiliate card, it may be omitted if the expiration date does not exist in the affiliate card, thereby the present invention is not limited .

The card issuing organization information (or code) preferably comprises at least one or more unique numbers (or unique codes) assigned to the card issuing organization (or financial company) that issues the affiliate card to the customer.

According to an embodiment of the present invention, if the affiliate card is an MS card, the generated affiliate card information preferably includes a data structure recordable on at least one or more MS tracks provided in the MS card.

According to another exemplary embodiment of the present invention, if the affiliate card is an IC card, the generated affiliate card information may include a file structure operable through a chip operating system (COS) provided in the IC chip.

Thereafter, the server sets usage amount information including a predetermined limit amount assigned to the affiliate card by the card issuing affiliate institution and approval target information for each limit on the usage amount (2550).

According to the implementation method of the present invention, the server preferably sets a certain amount of money to be used by the card issuing affiliate to the affiliated card according to the utilization policy of the card issuing affiliate.

Alternatively, the server may set the predetermined amount in consideration of the customer grade set by the card issuing affiliate institution or the loyalty of the customer to the card issuing affiliate institution based on the customer information included in the card registration application information. It is preferable that the card issuance affiliated institution set the usage amount to be assigned to the affiliated card.

Alternatively, the server checks the credit rating of the customer in connection with at least one credit rating server (not shown) based on the customer information included in the card registration application information, and then, the server determines a predetermined amount of money corresponding to the credit rating. It is preferable that the card issuance affiliated institution set the usage amount to be assigned to the affiliated card.

Alternatively, the server checks the account balance of the customer in connection with at least one financial company server (not shown) based on the customer information included in the card registration application information, and then sets a predetermined amount of money corresponding to the account balance. It is preferable that the card issuance affiliated institution set the usage amount to be assigned to the affiliated card.

Or, the server requests the credit limit amount information of the customer to the card company server 110 provided in the card issuing agency based on the customer information included in the card registration application information, and the credit limit amount to be confirmed It is preferable to set the corresponding fixed amount of money to the utilization amount that the card issuing affiliate institution gives to the affiliate card.

Those skilled in the art to which the present invention pertains, in addition to the usage setting method described above, it is possible to infer various implementation methods in which the card issuing affiliate institution gives a predetermined usage amount to the affiliate card. It is preferable that the invention includes all the methods of inferring the above.

According to an exemplary embodiment of the present invention, the server sets approval target information for each limit including at least one or more affiliate store information (or affiliate store group information) to be processed for payment through the set utilization amount, and / or the set Set per-approval authorization information that includes at least one one-time payment amount, or at least one daily / weekly / monthly payment amount through a usage amount; and / or the affiliate card processes payment through an online payment channel. If the payment amount is processed through the utilization amount, or if the payment is processed through the offline payment channel, the approval target information for each limit to allow the payment amount to be processed through the utilization amount. It is preferable to set.

According to another exemplary embodiment of the present invention, the approval target information for each limit may include information for first subtracting the payment amount through the affiliate card from the usage amount regardless of the payment condition corresponding to the affiliate card. It is possible, and the invention is not limited thereby.

If the utilization amount information for the affiliate card and the approval target information for each limit on the utilization amount are set (2555), the server provides a predetermined affiliate card with the affiliate card information through a predetermined card registration device. Produce and provide (or deliver) to the customer (2560).

According to an exemplary embodiment of the present invention, if the affiliate card is an MS card, the card registration apparatus may provide the affiliate card information to at least one or more MS tracks (eg, track I, track II, and track III) included in the affiliate card. It is preferable to include an apparatus for recording.

According to another embodiment of the present invention, if the association card is an IC card, the card registration device preferably includes an apparatus for recording the association card information in a memory provided in the IC chip of the association card.

Thereafter, the server issuing an affiliate card including at least one of customer information included in the card registration application information provided from the customer through the card registration interface, the generated affiliate card information, and card attribute information of the affiliate card. Information is stored in the storage medium 2350 (2565).

Here, the customer information included in the affiliated card issuance information includes personal information of the card registered customer (for example, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.), and the customer It is preferable to include at least one member information (for example, member ID information) subscribed to the affiliate server 100.

In addition, the card attribute information included in the affiliate card issuance information may be assigned to a credit card attribute, a check card attribute, a debit card attribute, a cash card attribute, or prepaid. At least one attribute setting information for imparting card firing is preferably included.

For example, when assigning a credit card attribute to the affiliate card, the card attribute information includes various attribute information (eg, credit limit, etc.) for use in payment through a credit card payment system for issuing the affiliate card. When the check card / debit card / cash card attribute is assigned to the affiliated card, the card attribute information may include customer account information associated with the affiliate card. In the case of granting the credit card information, the card property information may include information on the amount of charge charged in the affiliated card.

Those skilled in the art will be able to infer various technical configurations of the card attribute information, so a detailed description thereof will be omitted.

In addition, the utilization amount information for the affiliated card is preferably made to include a predetermined amount of the limit given to the affiliated card by the card issuing affiliated institution, and then a part (or all) of the utilization amount is the card. It is preferable to deposit in the form of a customer allowance from the issuing affiliate institution to the card issuer.

According to an exemplary embodiment of the present invention, the approval target information for each limit includes at least one merchant information (or merchant group information), payment amount information, online / offline payment channel information, etc. to be paid and processed through the utilization amount. It is preferable to comprise at least one or more.

According to another exemplary embodiment of the present invention, the approval target information for each limit includes information for first subtracting the payment amount through the affiliate card from the utilization amount regardless of the payment condition corresponding to the partnership card. It is possible that the present invention is not limited thereby.

Thereafter, the server issues the at least one affiliate card including at least one of customer information corresponding to the affiliate card, card information, and card attribute information to the card company server 110 through the communication means. In operation 2570, the card company server 110 stores affiliate card operation information, which further includes the card issuing affiliate information, in the card information D / B 2380. 2575).

In addition, the card company server 110 sets predetermined credit limit amount information for the affiliated card and approval target information for each limit on the card limit amount (2580).

According to an embodiment of the present invention, when the affiliate card includes a credit card attribute, the card company server 110 checks the credit rating of the customer who is issued the affiliate card, and then predetermined credit limit corresponding to the customer credit rating. It is preferable to set the amount of money to the card limit amount of money.

According to another exemplary embodiment of the present invention, when the affiliate card includes a check card / debit card attribute, the card company server 110 checks a customer account associated with the affiliate card, and stores the customer account balance. It is preferable to set the card limit amount.

In addition, the card company server 110 sets the permissible information for each limit including at least one or more merchant information (or merchant group information) to be settled through the set credit limit amount, and / or the set credit limit. Setting a per-approval target information that includes at least one payment amount per day or at least one daily / weekly / monthly payment amount, and / or when the affiliate card is processed through an online payment channel. It is recommended to set the subject-specific authorization information to allow the payment amount to be processed through the card limit amount or to process the payment amount through the card limit amount when the payment amount is processed through the offline payment channel. desirable.

According to another exemplary embodiment of the present invention, the card company server 110 allows the approval target information for each limit to be first subtracted from the card limit amount of the payment amount through the affiliate card regardless of the payment condition corresponding to the affiliate card. Or, it may be made to include information to first subtract from the usage amount registered in the affiliate server 100, whereby the present invention is not limited.

If predetermined card limit amount information for the affiliated card and limit target approval information for the card limit amount are set (2585), the card company server 110 may be configured to the card limit amount information and the card limit amount. The authorization target information for each limit is included in the affiliated card operation information and stored in the card information D / B 2380 (2590).

According to one embodiment of the present invention, the card information D / B 2380 is preferably provided in a DBMS on a predetermined financial system provided in the card issuing institution (or associated with the card issuing institution). The card information D / B 2380 may be a ledger D / B provided in a DBMS on the financial system and / or a predetermined database associated with the ledger D / B, whereby the present invention is not limited thereto. No.

According to another exemplary embodiment of the present invention, the card information D / B 2380 may include an online payment system, and / or a WAP-based wireless payment system, and / or an IC chip provided in (or associated with) the card issuer. It is possible to be provided in the DBMS on at least one or more of the base wireless payment system, and / or the tele payment system, whereby the present invention is not limited.

According to another embodiment of the present invention, the card information D / B 2380 is an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided (or associated with) the card issuing organization. It is possible to be provided in the DBMS on at least one or more banking system, and / or TV banking system, whereby the present invention is not limited.

Thereafter, the card company server 110 transmits the set card limit amount information and the authorization target information for each limit on the card limit amount to the server through the communication means (2595). The affiliated card issuance information stored in the medium 2350 further stores the card limit amount information and the authorization target information for each limit on the card limit amount (2599).

FIG. 26 illustrates a card registration system for issuing an affiliate card in the form of a card applet (or IC chip storage information) through real-time lease (or numbering) of card numbers according to an exemplary embodiment of the present invention.

In more detail, Fig. 26 shows a card issuing affiliated institution by a customer who owns a wireless terminal equipped with a predetermined wireless IC chip (eg, a financial IC chip or a universal subscriber identity module (USIM)) through a predetermined card registration interface. By providing card registration application information for issuing an affiliate card through a predetermined card number lease, the card issuing affiliated agency provides a wireless IC chip provided to the customer to the customer based on the provided card registration application information. A system configuration for issuing an affiliate card in the form of a card applet (or IC chip storage information), specifically, a rental card number D / B 2690 for storing the rental card number is provided in the card issuing institution. When a card issuing agency requests a predetermined card number from the card issuing institution, the card issuing institution is assigned the corresponding card number. A method for extracting a predetermined rental card number from a large card number D / B 2690 to the card issuing affiliate institution and assigning the lease card number to a predetermined affiliate card at the card issuing affiliate institution is shown. will be.

Those skilled in the art to which the present invention pertains can refer to and / or modify this drawing 26 to infer various implementation methods for the configuration of a card registration system for issuing an affiliated card through leasing the card number. However, the present invention includes all the implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

Hereinafter, a card applet (or IC chip storage) is a wireless IC chip provided in the customer wireless terminal based on the card registration application information provided from the customer through a predetermined card registration interface on the card registration system shown in FIG. 26. Information corresponding to at least one or more means and / or functional configuration for issuing an affiliate card in the form of a &quot; partner server 100 &quot; for convenience, and the card issuing affiliated agency provided with the affiliate server 100 can It is preferable to include at least one of a mobile communication company, various wireless communication companies, various wired communication companies, a portal service provider, etc., which are affiliated with a card issuer.

Referring to FIG. 26 according to an embodiment of the present invention, a card registration system for issuing an affiliate card through leasing the card number may be used by an employee of an affiliated employee provided in at least one card issuer (or financial institution). And / or a client terminal including at least one wired terminal and / or a wireless terminal used by the customer when the card registration system supports a non-face-to-face card registration application. Characterized in that the employee terminal and / or client terminal is connected to the communication channel and the affiliate server 100 provided in the card issuing affiliate institution through a predetermined network means.

According to one embodiment of the present invention, the customer visits the card issuing agency to issue an affiliate card through the card number leasing and through the window provided at the card issuing institution (or through an affiliated employee). Fill out a predetermined card registration application for issuing an affiliate card through lease (e.g., a document with a form for filling in at least one item of information for issuing an affiliate card through lease of the card number) and / or the affiliate employee Visit the customer and have the customer fill out a predetermined card registration application for issuing an affiliate card through leasing the card number), and submit the completed card registration application to the affiliated employee. Enter (or select) the information entered in the card registration application through the employee's terminal, The employee terminal preferably transmits the input (or selected) information to the affiliate server 100 provided in the card issuing affiliate institution through the network means.

Here, preferably, the employee terminal includes an employee terminal used by an affiliated employee provided in the card issuing institution, and the affiliate server 100 connected to the employee terminal is the card issuing institution (or financial institution, or the And a server provided on a card issuing agency affiliated with a card issuing institution, wherein the network means for connecting the employee terminal and the affiliate server 100 is between the employee terminal and the affiliate server 100. It is preferable to include a communication network connecting the communication channel.

In the card registration system as described above, the card registration application created by the customer, the employee terminal used by the affiliated employee and the financial network connecting the employee terminal and the affiliated server 100, the customer rents the card number. It performs a function of a card registration interface for registering card registration application information for issuing an affiliate card through.

According to another exemplary embodiment of the present invention, when the card registration system supports a non-face-to-face card registration application, the customer is selected from a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network. Access the affiliate server 100 through at least one client terminal and input card registration application information for issuing an affiliate card through lease of the card number through at least one user interface provided by the affiliate server 100. (Or optional), the client terminal preferably transmits through the predetermined network means to the affiliate server 100 provided in the card issuing affiliate institution.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices connected to a TCP / IP based communication network, and a desktop computer and / or a notebook 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.

In addition, the wireless terminal connected to the wireless communication network is all terminal devices connected to a code division multiple access (CDMA) based mobile communication network, and / or all terminal devices connected to a high speed downlink packet access (HSDPA) based wireless communication network, and / Or all terminal devices connected to the IEEE 802.16x based mobile Internet, and / or all terminal devices connected to Motorola's DataTAC method and / or Erricson's Mobitex type wireless data communication network, and are personal communications connected to the CDMA based mobile communication network. Terminal (Personal Communication System; PCS) and / or Global System for Mobile communications (GSM) terminals and / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or personal information terminals (Personal Digital Assistant; PDA) and / or Smart Phone and / or Telematics, or High Speed Do at least one wireless communication terminal connected to a wireless communication network based on a wnlink packet access), a portable internet terminal connected to the IEEE 802.16x based mobile Internet, or a wireless data communication terminal connected to the DataTAC / Mobitex based wireless data communication network. It is preferable to make.

The client terminal may output at least one user interface provided by the affiliate server 100, input and / or select at least one information through the user interface, and transmit the same to the affiliate server 100. It is preferable that a function configuration (e.g., a browser program and a communication function, or a predetermined communication program and a communication function to communicate with the affiliate server 100) 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 and / or wireless terminals, and thus a detailed description thereof will be omitted for convenience. .

In the card registration system as described above, a client terminal including at least one wired terminal and / or a wireless terminal used by the customer, at least one wired communication network connecting the client terminal and the affiliate server 100 and / or Alternatively, the wireless communication network performs a function of a card registration interface for registering the card registration application information for the customer to issue an affiliated card through leasing the card number.

According to another embodiment of the present invention, when the card registration system supports a non-face-to-face card registration application, the card registration terminal, in addition to the employee terminal and / or client terminal, a predetermined financial network (eg, 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. And a terminal (and / or standing) provided in at least one or more organizations affiliated with the card issuing organization, and / or further comprising a predetermined call terminal (not shown) connected to the card issuing organization. Burr (not shown) may be further included, whereby the present invention is not limited.

In the case of supporting the non-face-to-face card registration application as described above, when the card registration terminal is the financial automatic device (not shown), the financial automatic device (not shown) and the financial automatic device (not shown) ) And the financial network connecting the affiliate server 100 performs a function of a card registration interface for registering a card registration application information for the customer to issue an affiliate card through leasing the card number, and / or the card. When the registration terminal is the call terminal (not shown), the wired telephone network and / or wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the affiliate server 100 may be used by the customer. Performs a function of a card registration interface for registering card registration application information for issuing an affiliate card through card number rental, and / or the card registration step In the case of a terminal (and / or server) (not shown) provided in an institution affiliated with the card issuing organization, the terminal (and / or server) (not shown) and the terminal (and / or server) (not shown) Network connecting the affiliate server 100 performs a function of a card registration interface for registering the card registration application information for issuing an affiliate card through the card number rental.

The storage medium 2660 provided in the card issuing affiliate institution issues a predetermined alliance card to the customer based on the card registration application information provided from the card registration terminal, and then the customer information according to the issuance of the alliance card. And affiliated card issuance information including at least one affiliated card information and card attribute information, wherein the affiliated card issuance information stored in the storage medium 2660 is leased by the card issuing agency. It is used to provide affiliate card related services through.

According to another exemplary embodiment of the present invention, the storage medium 2660 may be connected to a predetermined DBMS linked to a server (or device) that performs a predetermined information processing function by using the affiliated card issuing information at the card issuing affiliate. In this case, the storage medium 2660 may be provided at various positions according to the intention of those skilled in the art, and the present invention is not limited thereto.

The affiliate server 100 provided in the card issuing affiliate institution is a generic term for the card issuing affiliate institution component connected to the card registration terminal 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 affiliate server 100 is provided with an interface unit 2600 (or interface means) for providing a predetermined card registration interface to the card registration terminal through the network means. do.

According to an embodiment of the present invention, when the card registration terminal is an employee terminal connected to a predetermined financial network, the interface unit 2600 communicates with the employee terminal based on a protocol stack defined in the financial network. It is desirable to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in the card registration application program provided in the employee terminal.

According to another embodiment of the present invention, when the card registration terminal is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 2600 is based on the protocol stack defined in the wired communication 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 a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol is provided in the client terminal, the interface unit 2600 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 a predetermined card registration application program provided by the affiliate server 100 is provided in the client terminal, the interface unit 2600 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 embodiment of the present invention, when the card registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 2600 is based on a protocol stack defined in the wireless communication network. It is preferable to connect a predetermined communication channel with the client terminal, and to provide a communication interface for transmitting and receiving at least one or more 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 2600 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 registration application program provided by the affiliate server 100, the interface unit 2600 connects a communication channel with the client terminal based on the CDMA protocol, and the communication program. Provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in.

Referring to FIG. 26, the affiliate server 100 is connected with the interface unit 2600 when a predetermined card registration terminal is connected to the affiliate server 100 through the interface unit 2600. An interface providing unit 2605 (or interface providing means) for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined card registration application information to the card registration terminal; An information receiving unit 2610 (or information receiving means) for receiving predetermined card registration application information transmitted (or selected) from the card registration terminal through the user interface in association with the interface unit 2600; Validation authentication unit 2615 (or validity) for checking the validity of issuing the affiliate card to the customer based on the registered card registration application information And a predetermined card number to be assigned to the affiliated card by the card company server 110 based on the card registration application information through the communication means, and correspondingly, the card company server 110 requests a predetermined card number from the card company server 110. Receiving a rental card number of the card number assignment unit (2625) (or card number assignment means) for assigning to the affiliate card number of the registered affiliate card and generating the predetermined affiliate card information including the affiliate card number A card information generation unit 2630 (or information generating means) and a usage amount for setting authorization amounts to be applied to the customer by the card issuing affiliated institution and the limit of the usage amount corresponding to the cooperation card. Generating an applet which generates a setting unit 2635 (or utilization setting means) and a predetermined card applet (or IC chip storage information) including the association card information. (2640) (or applet generating means) and the card applet (or IC chip storage information) to the customer wireless terminal through a predetermined wireless communication network to be recorded on the wireless IC chip provided in the customer wireless terminal A card issuing unit 2650 (or card issuing means) for issuing an alliance card, and an information storage unit 2645 storing the alliance card issue information corresponding to the alliance card issued to the customer in the storage medium 2660 ( Or information storage means).

In addition, the affiliate server 100 after the predetermined partnership card is issued through the card issuing unit 2650, the predetermined through the communication means (for example, a dedicated communication network, or a secure communication network based on encrypted communication) It is characterized in that the card company server 110 provided in the card issuing organization comprises an information transmitting and receiving unit 2620 for transmitting customer information, card information, and card attribute information corresponding to the affiliated card.

In addition, the information transmitting and receiving unit 2620 is applied to the card registration through the communication means in association with the card number assignment unit 2625 in order to assign a predetermined cooperation card number by the card number assignment unit 2625 Request a predetermined card number (or transmit card number request information) to the card company server 110 based on the information, and correspondingly receive a predetermined rental card number from the card company server 110 to receive the card number. It is possible to provide to the allocating unit 2625, whereby the present invention is not limited.

In addition, when a predetermined cooperation card number is assigned by the card number assignment unit 2625, the information transmitting and receiving unit 2620 sends the card to the card company server 110 provided in the card issuing institution through the communication means. The affiliate card number assigned by the number assignment unit 2625 is transmitted, and a card verification value (or verification code) corresponding to the affiliate card number from the card company server 110 (eg, a CVV (Card Verification) of a visa card. Value), CVC (Card Validation Code) of the master card, CID (Confidential Identifier Number or Card Identification Number) of the American Express card), and the like, and the card company server 110 for allocating the affiliated card number. If the rental card number received from the card includes a predetermined card verification value (or verification code), the information transmitting and receiving unit 2620 is a card verification value (or The function of transmitting / receiving verification code) may be omitted.

The interface providing unit 2605, when a predetermined card registration terminal is connected to the affiliate server 100 via the interface unit 2600, the card registration application information corresponding to the functional configuration provided in the card registration terminal; Generate a predetermined user interface which can be input (or selected) and transmitted to the affiliate server 100 via the network means, and / or extracted from a predetermined database (not shown), and the interface unit 2600 And providing the generated (or extracted) user interface to the card registration terminal through the network means.

Thereafter, the card registration terminal inputs (or selects) the card registration application information based on the user interface, and transmits the input (or selected) card registration application information to the affiliate server 100 through the network means. send.

When the card registration terminal is an employee terminal connected to a predetermined financial network according to an exemplary embodiment of the present invention, the interface providing unit 2605 may provide a predetermined user interface that can be provided by a card registration application program provided in the employee terminal. It is preferable to generate (or extract) and provide the user interface generated (or extracted) through the interface unit 2600 to the employee terminal.

According to another embodiment of the present invention, when the card registration terminal is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface providing unit 2605 may include a browser program and / or provided in the client terminal. 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 2600.

According to another exemplary embodiment of the present invention, when the card registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 2605 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 2600.

When the information receiving unit 2610 inputs (or selects) predetermined card registration application information through the user interface from the card registration terminal and transmits the information through the network means, the card registration unit works with the interface unit 2600 to register the card. And receiving the application information, and providing the received card registration application information to the validity authentication unit 2615.

According to an embodiment of the present invention, the card registration application information includes at least one or more card information of the card registration customer, customer wireless terminal information, and various card property information for setting card properties for the affiliated card. .

Here, the customer information is personal information of the card registered customer (for example, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.), and the customer has subscribed to the affiliate server 100. It is preferable to include at least one member information (eg, member ID information).

In addition, the customer wireless terminal information is unique information of the customer wireless terminal equipped with a wireless IC chip capable of recording a card applet (or IC chip storage information) (for example, wireless terminal telephone number, address information, or identification information, Or at least one of ID information, etc.), and a card applet corresponding to the affiliate card by a wireless terminal corresponding to the customer wireless terminal information for issuing a predetermined affiliate card through the card number rental. Or IC chip storage information).

Further, the card attribute information for the affiliate card may be assigned to a credit card attribute, a check card attribute, a debit card attribute, a cash card attribute, or a prepaid card firing. It is preferable to include at least one or more attribute setting information to be provided.

For example, when assigning a credit card attribute to the affiliate card, the card attribute information may include credit inquiry consent information for issuing the affiliate card, and assigns a check card / debit card / cash card attribute to the affiliate card. In the case of granting, the card attribute information may include customer account information associated with the affiliate card. When the prepaid card attribute is assigned to the affiliate card, the card attribute information may be set to the affiliate card. It may be made by including prepaid card charging information for charging.

According to another embodiment of the present invention, when the card attribute is fixed by the card issuing affiliate (or card issuing authority) or is set in a policy, the card attribute information may be omitted, thereby limiting the present invention. Not.

According to the embodiment of the present invention, the card registration application information may further include predetermined utilization application information including a predetermined utilization request amount. In this case, the utilization setting unit 2635 may be used. It is possible to set the utilization amount for the affiliated card based on the utilization request amount included in the utilization application information, whereby the present invention is not limited.

The validity authentication unit 2615 checks the validity of issuing the alliance card to the customer based on the customer information and the customer wireless terminal information included in the received card registration application information.

According to the implementation method of the present invention, the validity confirmation for issuing the alliance card to the customer, based on the customer name and resident registration number included in the customer information, a predetermined real name verification server (not shown) It is preferable to include a) to confirm the real name of the customer in conjunction with).

In addition, when the affiliated card includes a credit card attribute, the validity check for issuing the affiliated card to the customer is based on a predetermined communication means based on the customer information. It is preferable to include the check the credit information of the customer in conjunction with).

In addition, when the affiliate card includes a check card / debit card attribute, the validity check for issuing the affiliate card to the customer is performed based on the customer information. It is preferable that the customer account associated with the card is formed in connection with a financial institution server (not shown) opened and confirming whether the customer account is opened and normally operated.

In addition, validity confirmation for issuing the alliance card to the customer includes subscriber management means (for example, subscriber information D / B (not shown) and subscription management server (not shown)) on the wireless communication network corresponding to the customer wireless terminal information. Etc.), it is preferable to include checking whether the customer wireless terminal information is valid.

The card number assignment unit 2625 is a card company server provided in the card issuing organization based on the card registration application information through the communication means (or through the communication means in association with the information transmitting and receiving unit 2620). Request a predetermined card number to be assigned to the affiliate card (or transmit card number request information), and confirm (or receive) a predetermined rental card number to be assigned to the affiliate card from the card company server 110; And generating (or extracting) a predetermined affiliate card number including the lease card number and assigning it to the affiliate card.

When the lease card number received from the card company server 110 includes a 16-digit lease card number according to an exemplary embodiment of the present invention, the card number allocator 2625 uses the lease card number as the affiliate card number. It is preferable to extract.

According to another embodiment of the present invention, when the lease card number received from the card company server 110 includes the 9-digit serial number of the 16-digit card number, the card number allocator 2625 is the 9-digit serial number. It is preferable to generate a predetermined affiliate card number including a lease card number, a card issuing agency information number, a card type number, and a check digit corresponding to the number.

If the person having ordinary knowledge in the technical field to which the present invention belongs, if the lease card number follows a card number system other than the 16-digit card number, the lease card number to the affiliated card number according to the card number system Various implementation methods may be inferred, and the present invention is characterized by including all implementation methods inferred.

According to the exemplary embodiment of the present invention, when a predetermined cooperative card number is assigned by the card number assignment unit 2625, the information transmitting and receiving unit 2620 is a card company server provided in the card issuing organization through the communication means. Transmits the affiliate card number assigned by the card number allocator 2625 to the card number assignment unit 2625 and a card verification value (or verification code) corresponding to the affiliate card number from the card company server 110 (eg, a visa card). It is preferable to receive the CVV (Card Verification Value), Master Card CVC (Card Validation Code), American Express card CID (Confidential Identifier Number or Card Identification Number), etc., received from the card company server 110 When the card verification value (or verification code) is included in the rental card number, or the card verification value (or verification code) generation function is provided in the card number assignment unit 2625, The function of transmitting and receiving the card verification value (or verification code) for the association card number by the information transmitting and receiving unit 2620 may be omitted.

When the association card number is generated (or extracted) as described above, the card information generation unit 2630 may generate predetermined association card information including the association card number.

According to an embodiment of the present invention, the affiliated card information may include at least one of the affiliated card number, the card verification value (or verification code), the card expiration date (some may be omitted), and the card issuer information (or code). It is preferable to comprise.

For example, the card number (although some exceptions exist) preferably includes a four-digit card issuing organization number, a two-digit card type number, a nine-digit serial number, and a check digit.

The expiration date information is preferably made to include the period (or expiration date and time) that can be used for the affiliate card, it may be omitted if the expiration date does not exist in the affiliate card, thereby the present invention is not limited .

The card issuing organization information (or code) preferably comprises at least one or more unique numbers (or unique codes) assigned to the card issuing organization (or financial company) that issues the affiliate card to the customer.

When predetermined affiliated card information included in the affiliated card is generated by the card information generating unit 2630, the utilization setting unit 2635 sets a predetermined amount of money according to the utilization policy of the card issuing affiliated institution. Characterized in that the issuing affiliated institution is set to the usage amount that is assigned to the affiliated card.

Alternatively, the utilization setting unit 2635 is based on the customer information included in the card registration application information, the customer grade set by the card issuing affiliate institution, or the loyalty of the customer to the card issuing affiliate institution, etc. In consideration of the above, the predetermined amount of money is set to a utilization amount that the card issuing affiliated organization gives to the affiliated card.

Alternatively, the utilization setting unit 2635 confirms the credit rating of the customer in association with at least one credit evaluation server (not shown) based on the customer information included in the card registration application information, and then corresponds to the credit rating. It is characterized in that the predetermined amount of money is set to the utilization amount that the card issuing affiliated organization gives to the affiliated card.

Alternatively, the utilization setting unit 2635 confirms the account balance of the customer in association with at least one financial company server (not shown) based on the customer information included in the card registration application information, and then corresponds to the account balance. It is characterized by setting a certain amount of money to the utilization amount that the card issuing affiliated organization gives to the affiliated card.

Alternatively, the utilization setting unit 2635 requests the credit limit amount information of the customer from the card company server 110 provided in the card issuing agency based on the customer information included in the card registration application information, Characterized in that a certain percentage of the amount corresponding to the credit limit amount to be confirmed is characterized in that the card issuing affiliated institutions to set the amount of the usage amount assigned to the affiliated card.

Those skilled in the art to which the present invention pertains, in addition to the usage setting method described above, it is possible to infer various implementation methods in which the card issuing affiliate institution gives a predetermined usage amount to the affiliate card. The invention is characterized in that it comprises all the methods of inference.

According to the exemplary embodiment of the present invention, the utilization setting unit 2635 may set approval target information for each limit including at least one or more affiliate store information (or affiliate store group information) to be processed for payment through the set utilization amount. And / or to set the per-approval target information including at least one or more one-time payment amount or daily / weekly / monthly payment amount to be processed through the set utilization amount, and / or the affiliate card is online. Limit to allow the payment amount to be processed through the utilization amount when the payment is made through the payment channel, or to process the payment amount through the utilization amount when the payment is processed through the offline payment channel. It is desirable to set the approval target information.

According to another exemplary embodiment of the present invention, the approval target information for each limit may include information for first subtracting the payment amount through the affiliate card from the usage amount regardless of the payment condition corresponding to the affiliate card. It is possible, and the invention is not limited thereby.

When predetermined affiliate card information included in the affiliate card is generated by the card information generator 2630, the applet generator 2640 may store a predetermined card applet (or IC chip storage information) including the affiliate card information. The card applet (or IC chip storage information) is recorded in a wireless IC chip provided in the customer wireless terminal and has a file structure operable on a chip operating system (COS) on the wireless IC chip. It is preferable to comprise.

When the card applet (or IC chip storage information) is generated by the applet generating unit 2640, the card issuing unit 2650 sends the card to the customer wireless terminal through a wireless communication network corresponding to the customer wireless terminal information. By sending an applet (or IC chip storage information), the customer wireless terminal records the card applet (or IC chip storage information) on a wireless IC chip provided in the wireless terminal to issue the affiliate card to the customer. It is characterized by.

Thereafter, the information storage unit 2645 may include customer information included in the card registration request information received from the customer through the information receiving unit 2610, the generated affiliate card information, card attribute information of the affiliate card, and the like. Characterized in the storage medium (2660) is stored in the storage card (2660), the affiliated card issuance information including at least one of the spending amount information and the limit-specific approval target information for the partnership card.

Here, the customer information included in the affiliated card issuance information includes personal information of the card registered customer (for example, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.), and the customer It is preferable to include at least one member information (for example, member ID information) subscribed to the affiliate server 100.

In addition, the card attribute information included in the affiliate card issuance information may be assigned to a credit card attribute, a check card attribute, a debit card attribute, a cash card attribute, or prepaid. At least one attribute setting information for imparting card firing is preferably included.

For example, when assigning a credit card attribute to the affiliate card, the card attribute information includes various attribute information (eg, credit limit, etc.) for use in payment through a credit card payment system for issuing the affiliate card. When the check card / debit card / cash card attribute is given to the affiliate card, the card attribute information may include customer account information associated with the affiliate card, and the prepaid card attribute is added to the affiliate card. In the case of granting, the card attribute information may include information on the amount of charge charged in the affiliate card.

Those skilled in the art will be able to infer various technical configurations of the card attribute information, so a detailed description thereof will be omitted.

In addition, the utilization amount information for the affiliated card is preferably made to include a predetermined amount of the limit given to the affiliated card by the card issuing affiliated institution, and then a part (or all) of the utilization amount is the card. It is preferable to deposit in the form of a customer allowance from the issuing affiliate institution to the card issuer.

According to an exemplary embodiment of the present invention, the approval target information for each limit includes at least one merchant information (or merchant group information), payment amount information, online / offline payment channel information, etc. to be paid and processed through the utilization amount. It is preferable to comprise at least one or more.

According to another exemplary embodiment of the present invention, the approval target information for each limit may include information for first subtracting the payment amount through the affiliate card from the usage amount regardless of the payment condition corresponding to the affiliate card. It is possible, and the invention is not limited thereby.

The rental card number D / B 2690 provided to the card issuing institution according to the embodiment of the present invention is at least rented to be assigned to the at least one affiliate card registered through the card issuing affiliate at the card issuing institution. It is preferable to include one or more card numbers, it is preferable that the card issuance further comprises a card issuing affiliated information to lease the rental card number.

Here, the rental card number, including all 16-digit card number, or the nine-digit serial number of the 16-digit card number (for example, the first four digits corresponding to the card issuing agency number and corresponding to the card type number) The next 2 digits and the remaining 9 digit serial number except the last 1 digit corresponding to the check digit), preferably including a predetermined number area, and according to the intention of the person skilled in the art In addition, it may include a rental card number that follows the other card number system.

In addition, the card issuing affiliate information is information for identifying at least one or more card issuing affiliate institutions to lease at least one or more card numbers in the card issuing authority, the card issuing affiliate institution to lease at least one or more card numbers In this case, it is possible to omit and the present invention is not limited thereby.

Referring to FIG. 26, the card company server 110 of the card issuing organization connected to the affiliate server 100 through a predetermined communication means receives predetermined card number request information from the affiliate server 100 through the communication means. When the card number request information is received from the affiliate server 100 through the information transmitting and receiving unit 2665 (or information receiving means) and the information transmitting and receiving unit 2665, the rental card number D / B ( And a card number extracting unit 2680 (or card number extracting means) for extracting a predetermined rental card number to be assigned to the affiliated card from 2690. The information transmitting and receiving unit 2665 (or information) is provided. Transmission means) characterized in that for transmitting the lease card number to the affiliate server 100.

According to the present invention, when the card number extraction unit 2680 extracts a predetermined rental card number from the rental card number D / B 2690, a predetermined card verification value (or verification) corresponding to the extracted card number And a verification card information generating unit 2630 for generating a code. In this case, the information transmitting / receiving unit 2665 (or information transmitting means) is the rental card number and the card verification value (or verification). Code) is transmitted to the affiliate server 100.

Here, the rental card number, including all 16-digit card number, or the nine-digit serial number of the 16-digit card number (for example, the first four digits corresponding to the card issuing agency number and corresponding to the card type number) And the next two digits, and the remaining nine digits except the last one corresponding to the check digit).

Those skilled in the art to which the present invention pertains, the verification card information generation unit 2630 is the CVV (Card Verification Value) of the Visa card, CVC (Card Validation Code) of the master card, the American Express card Since you will be familiar with the technical features for generating a card verification value (or verification code) including at least one CID (Confidential Identifier Number or Card Identification Number), a detailed description thereof will be omitted for convenience.

According to the present invention, the card company server 110 of the card issuing organization connected to the affiliate server 100 through a predetermined communication means may receive a predetermined card verification value from the affiliate server 100 through the communication means (or Verification code) When a predetermined affiliated card number is received from the affiliate server 100 through the information transmitting and receiving unit 2665 (or information receiving means) for receiving the request information and the information transmitting and receiving unit 2665 (or the card). And a verification card information generation unit 2630 for generating a verification card (or verification code) corresponding to the affiliated card number when a verification value (or verification code) is requested), The information transmitting and receiving unit 2665 (or information transmitting means) transmits a card verification value (or verification code) corresponding to the affiliate card number to the affiliate server 100.

According to the present invention, the card company server 110 of the card issuing organization connected to the affiliate server 100 through a predetermined communication means corresponds to the issued affiliate card from the affiliate server 100 through the communication means. An information transmitting / receiving unit 2665 (or an information receiving means) for receiving affiliate card issuance information including at least one of customer information, affiliate card information, and card attribute information corresponding to the affiliate card; And an information storage unit 2675 for storing, in the predetermined card information D / B 2695, the affiliate card operation information in which the affiliate card information and the card attribute information are linked to the affiliated agency information corresponding to the card issuing affiliated institution. Characterized in that made.

Referring to FIG. 26, the card company server 110 of the card issuing agency connected to the affiliate server 100 through a predetermined communication means may limit the predetermined card limit amount and the card limit amount for the affiliate card. The card limit setting unit 2685 (or card limit setting means) for setting an approval target for each card, and the card limit amount information and the approval target information for the limit on the card limit amount in the partnership card operation information. An information storage unit 2675 (or information storage means) stored in the information D / B 2695, and information on the target amount of approval of the card limit amount information and the limit value of the card limit amount through the communication means through the affiliate server; And an information transmitting and receiving unit 2665 (or information transmitting means) for transmitting to 100.

When the affiliated card includes a credit card attribute, the card limit setting unit 2685 checks the credit level of the customer who is issued the affiliate card, and then sets a predetermined credit limit amount corresponding to the credit limit. It characterized in that it is set to.

Alternatively, when the affiliated card includes a check card / debit card attribute, the card limit setting unit 2685 checks a customer account associated with the affiliated card, and sets the customer account balance as the card limit amount. It is characterized by.

According to the exemplary embodiment of the present invention, the card limit setting unit 2685 may set approval target information for each limit including at least one or more affiliate store information (or affiliate store group information) to be processed for payment through the set credit limit amount. And / or to set a limit authorization information including at least one one-time payment amount or a daily / weekly / monthly payment amount to be processed through the set credit limit amount, and / or the affiliate card is online. Limit to allow payment through the card limit amount if the payment is made through the payment channel or to pay through the card limit amount if the payment is made through the offline payment channel. It is desirable to set the approval target information.

According to another exemplary embodiment of the present invention, the approval target information for each limit may be configured to first subtract the payment amount through the affiliate card from the card limit amount regardless of the payment condition corresponding to the partnership card, or the affiliate server. It is possible to include information to first subtract from the usage amount registered at 100, thereby the present invention is not limited.

Thereafter, the affiliated card operation information stored in the card information D / B 2695 is used by the card issuer to provide a payment service or various additional services in association with at least one affiliated store.

According to one embodiment of the present invention, the card information D / B 2695 is preferably provided in a DBMS on a predetermined financial system provided in the card issuing institution (or associated with the card issuing institution). The card information D / B 2695 may be a ledger D / B provided in a DBMS on the financial system and / or a predetermined database associated with the ledger D / B, whereby the present invention is not limited thereto. No.

According to another exemplary embodiment of the present invention, the card information D / B 2695 may be an online payment system, and / or a WAP-based wireless payment system, and / or an IC chip provided in (or associated with) the card issuer. It is possible to be provided in the DBMS on at least one or more of the base wireless payment system, and / or the tele payment system, whereby the present invention is not limited.

According to another embodiment of the present invention, the card information D / B 2695 is an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided (or associated with) the card issuer. It is possible to be provided in the DBMS on at least one banking system of, and / or a TV banking system, whereby the present invention is not limited.

27 is a diagram illustrating a card registration process for issuing an affiliate card through card number rental according to an embodiment of the present invention.

In more detail, in FIG. 27, a predetermined customer creates a predetermined card registration application through a face-to-face card registration interface (e.g., the card registration application, employee terminal, and network means) in the card registration system shown in FIG. When the affiliated employee submits (or selects) the card registration application information corresponding to the card registration application through a predetermined card registration terminal and transmits it to the affiliated server 100, the affiliated server ( 100 shows a process of issuing a predetermined affiliate card through the card number rental to the customer based on the card registration application information, specifically, a rental card number D / B (2690) storing the rental card number. ) Is provided in the card issuing institution, and a predetermined card number from the card issuing agency to the card issuing institution. In response to the request, the card issuing agency extracts a predetermined lease card number from the lease card number D / B 2690 and provides the card issuing agency to the card issuing affiliate, and the card issuing agency is providing the leasing card number. Shows an implementation method for assigning a to an affiliate card.

Those skilled in the art to which the present invention pertains can deduce various implementation methods for issuing the alliance card for issuance of the alliance card by leasing the card number by referring to and / or modifying the drawing 27. However, the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

For example, FIG. 27 illustrates that the affiliated card is produced and provided (or shipped) to the customer, and then the affiliated card issuance information is stored in the storage medium 2660. The process of storing the predetermined affiliate card issuance information in the storage medium 2660 may be performed before the affiliate card is produced or before the affiliate card is produced (or delivered) to the customer. The present invention is not limited.

Hereinafter, in FIG. 27, the card registration terminal shown in FIG. 26 is called "terminal" for convenience, and the affiliate server 100 is called "server" for convenience.

Referring to FIG. 27, in order to issue the affiliated card for issuing the affiliated card through lease of the card number, the customer is prescribed through a face-to-face card registration interface (eg, the card registration application, employee terminal, and network means). When a card registration application (for example, a document having a form for filling in at least one information item for issuance of an affiliate card through lease of the card number) is completed and submitted to an affiliated employee, the terminal is connected by the affiliated employee. The card registration application information corresponding to the card registration application prepared by the customer is input (or selected) through a predetermined user interface (2700), and the card registration application information is transmitted to the server through the network means (2705). .

According to an embodiment of the present invention, the card registration application information includes customer information of the card registration customer and at least one or more kinds of card attribute information for setting card attributes for the affiliated card.

Here, the customer information is personal information of the card registered customer (for example, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.), and the customer has subscribed to the affiliate server 100. It is preferable to include at least one member information (eg, member ID information).

In addition, the customer wireless terminal information is unique information of the customer wireless terminal equipped with a wireless IC chip capable of recording a card applet (or IC chip storage information) (for example, wireless terminal telephone number, address information, or identification information, Or at least one of ID information, etc.), and a card applet corresponding to the affiliate card by a wireless terminal corresponding to the customer wireless terminal information for issuing a predetermined affiliate card through the card number rental. Or IC chip storage information).

Further, the card attribute information for the affiliate card may be assigned to a credit card attribute, a check card attribute, a debit card attribute, a cash card attribute, or a prepaid card firing. It is preferable to include at least one or more attribute setting information to be provided.

For example, when assigning a credit card attribute to the affiliate card, the card attribute information may include credit inquiry consent information for issuing the affiliate card, and assigns a check card / debit card / cash card attribute to the affiliate card. In the case of granting, the card attribute information may include customer account information associated with the affiliate card. When the prepaid card attribute is assigned to the affiliate card, the card attribute information may be set to the affiliate card. It may include a prepaid card charging information for charging.

According to another embodiment of the present invention, when the card attribute is fixed by the card issuing affiliate institution (or card issuing authority) or is set in a policy, the card attribute information may be omitted, whereby the present invention It is not limited.

Thereafter, the server receives and reads the card registration request information from the terminal through the network means and issues the affiliated card through leasing the card number to the customer based on the customer information included in the card registration request information. The card registration validity for issuing the affiliate card is verified (2710).

According to the implementation method of the present invention, the validity confirmation for issuing the alliance card to the customer, based on the customer name and resident registration number included in the customer information, a predetermined real name verification server (not shown) It is preferable to include a) to confirm the real name of the customer in conjunction with).

In addition, when the affiliated card includes a credit card attribute, the validity check for issuing the affiliated card to the customer is based on a predetermined communication means based on the customer information. It is preferable to include the check the credit information of the customer in conjunction with).

In addition, when the affiliate card includes a check card / debit card attribute, the validity check for issuing the affiliate card to the customer is performed based on the customer information. It is preferable that the customer account linked to the debit card is linked to a financial institution server (not shown) that is opened to check whether the customer account is opened and normally operated.

In addition, validity confirmation for issuing the alliance card to the customer includes subscriber management means (for example, subscriber information D / B (not shown) and subscription management server (not shown)) on the wireless communication network corresponding to the customer wireless terminal information. Etc.), it is preferable to include checking whether the customer wireless terminal information is valid.

If the validity to issue the affiliate card to the customer is not authenticated through the card registration application information (2715), the server provides card registration error information to the customer through the card registration interface (2720). Stop issuing the affiliate card to the customer.

On the other hand, if the validity to issue the affiliate card to the customer is authenticated through the card registration application information (2715), the server sends the card to the card company server 110 based on the card registration application information through the communication means. The number request information is transmitted (2725), and correspondingly, the card company server 110 extracts a predetermined card number leased from the lease card number D / B 2690 to the card issuing affiliate institution, and extracts the extracted card number. After generating a predetermined card verification value (or verification code) corresponding to the card number (2730), the extracted card number and the card verification value (or verification code) is transmitted to the server through the communication means (2735) ).

According to another exemplary embodiment of the present invention, the card company server 110 extracts the card number from the rental card number D / B 2690 in response to the card number request information and transmits the card number to the server. If the predetermined card verification value (or verification code) request information corresponding to the card number is received from the card number, the predetermined card verification value (or verification code) corresponding to the card number may be generated and transmitted to the server. The present invention is not limited thereby.

When the card number and the card verification value (or verification code) are received from the card company server 110 as described above, the server receives predetermined affiliate card information including the affiliate card number and the card verification value (or verification code). Create (2740).

Here, the affiliated card information may include a card number (eg, 16-digit card number) corresponding to the affiliated card, the received card verification value (or verification code), expiration date information (some may be omitted), and card issuer information ( Or code).

For example, the card number (although some exceptions exist) preferably includes a four-digit card issuing organization number, a two-digit card type number, a nine-digit serial number, and a check digit.

The expiration date information is preferably made to include the period (or expiration date and time) that can be used for the affiliate card, it may be omitted if the expiration date does not exist in the affiliate card, thereby the present invention is not limited .

The card issuing organization information (or code) preferably comprises at least one or more unique numbers (or unique codes) assigned to the card issuing organization (or financial company) that issues the affiliate card to the customer.

Thereafter, the server sets usage amount information including a predetermined limit amount assigned to the affiliate card by the card issuing affiliate institution and approval target information for each limit on the usage amount (2745).

According to the implementation method of the present invention, the server preferably sets a certain amount of money to be used by the card issuing affiliate to the affiliated card according to the utilization policy of the card issuing affiliate.

Alternatively, the server may set the predetermined amount in consideration of the customer grade set by the card issuing affiliate institution or the loyalty of the customer to the card issuing affiliate institution based on the customer information included in the card registration application information. It is preferable that the card issuance affiliated institution set the usage amount to be assigned to the affiliated card.

Alternatively, the server checks the credit rating of the customer in connection with at least one credit rating server (not shown) based on the customer information included in the card registration application information, and then, the server determines a predetermined amount of money corresponding to the credit rating. It is preferable that the card issuance affiliated institution set the usage amount to be assigned to the affiliated card.

Alternatively, the server checks the account balance of the customer in connection with at least one financial company server (not shown) based on the customer information included in the card registration application information, and then sets a predetermined amount of money corresponding to the account balance. It is preferable that the card issuance affiliated institution set the usage amount to be assigned to the affiliated card.

Or, the server requests the credit limit amount information of the customer to the card company server 110 provided in the card issuing agency based on the customer information included in the card registration application information, and the credit limit amount to be confirmed It is preferable to set the corresponding fixed amount of money to the utilization amount that the card issuing affiliate institution gives to the affiliate card.

Those skilled in the art to which the present invention pertains, in addition to the usage setting method described above, it is possible to infer various implementation methods in which the card issuing affiliate institution gives a predetermined usage amount to the affiliate card. It is preferable that the invention includes all the methods of inferring the above.

According to an exemplary embodiment of the present invention, the server sets approval target information for each limit including at least one or more affiliate store information (or affiliate store group information) to be processed for payment through the set utilization amount, and / or the set Set per-approval authorization information that includes at least one one-time payment amount, or at least one daily / weekly / monthly payment amount through a usage amount; and / or the affiliate card processes payment through an online payment channel. Set the approval target information for each limit to allow the payment amount to be processed through the utilization amount or to process the payment amount through the utilization amount when the payment is processed through the offline payment channel. It is desirable to.

According to another exemplary embodiment of the present invention, the approval target information for each limit may include information for first subtracting the payment amount through the affiliate card from the usage amount regardless of the payment condition corresponding to the affiliate card. It is possible, and the invention is not limited thereby.

If the utilization amount information for the affiliate card and the authorization target information for each limit on the utilization amount are set (2750), the server may provide a predetermined card applet including the generated (or extracted) affiliate card information ( Or IC chip storage information) (2755), and the generated card applet (or IC chip storage information) to the customer wireless terminal through a wireless communication network corresponding to the customer wireless terminal information included in the card registration application information. Transmit (2760).

Here, the card applet (or IC chip storage information) preferably includes a file structure recorded on a wireless IC chip provided in the customer wireless terminal and operable on a chip operating system (COS) on the wireless IC chip.

According to an embodiment of the present invention, the server reads the customer wireless terminal information included in the card registration request information to identify a wireless communication network corresponding to the customer wireless terminal information, and a predetermined applet providing server connected to the wireless communication network. It is preferable to transmit the generated card applet (or IC chip storage information) to the customer wireless terminal through 2655.

Those skilled in the art to which the present invention pertains, various methods of transmitting the card applet (or IC chip storage information) from the applet providing server 2655 to the customer wireless terminal (eg, wireless message and The card applet (or IC chip storage information) transmission using the callback URL) may be inferred, but the present invention is characterized by including all the inferred implementation methods.

Thereafter, the customer wireless terminal records the received card applet (or IC chip storage information) on a wireless IC chip provided in the corresponding wireless terminal, thereby issuing an affiliate card corresponding to the card applet (or IC chip storage information). (2765).

Thereafter, the server issuing an affiliate card including at least one of customer information included in the card registration application information provided from the customer through the card registration interface, the generated affiliate card information, and card attribute information of the affiliate card. Information is stored in the storage medium 2660 (2770).

Here, the customer information included in the affiliated card issuance information includes personal information of the card registered customer (for example, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.), and the customer It is preferable to include at least one member information (for example, member ID information) subscribed to the affiliate server 100.

In addition, the card attribute information included in the affiliate card issuance information may provide a credit card attribute, a check card attribute, a debit card attribute, a cash card attribute, or prepaid to the affiliate card. At least one attribute setting information for imparting card firing is preferably included.

For example, when assigning a credit card attribute to the affiliate card, the card attribute information includes various attribute information (eg, credit limit, etc.) for use in payment through a credit card payment system for issuing the affiliate card. When the check card / debit card / cash card attribute is given to the affiliate card, the card attribute information may include customer account information associated with the affiliate card, and the prepaid card attribute is added to the affiliate card. In the case of granting, the card attribute information may include information on the amount of charge charged in the affiliate card.

Those skilled in the art will be able to infer various technical configurations of the card attribute information, so a detailed description thereof will be omitted.

In addition, the utilization amount information for the affiliated card is preferably made to include a predetermined amount of the limit given to the affiliated card by the card issuing affiliated institution, and then a part (or all) of the utilization amount is the card. It is preferable to deposit in the form of a customer allowance from the issuing affiliate institution to the card issuer.

According to an exemplary embodiment of the present invention, the approval target information for each limit includes at least one merchant information (or merchant group information), payment amount information, online / offline payment channel information, etc. to be paid and processed through the utilization amount. It is preferable to comprise at least one or more.

According to another exemplary embodiment of the present invention, the approval target information for each limit may include information for first subtracting the payment amount through the affiliate card from the usage amount regardless of the payment condition corresponding to the affiliate card. It is possible, and the invention is not limited thereby.

Thereafter, the server issues the at least one affiliate card including at least one of customer information corresponding to the affiliate card, card information, and card attribute information to the card company server 110 through the communication means. In operation 275, the card company server 110 stores the affiliate card operation information further including the card issuing affiliate information in the affiliate card issuing information in a predetermined card information D / B 2695. 2780).

In addition, the card company server 110 sets predetermined card limit amount information for the affiliated card and approval target information for each limit on the card limit amount (2785).

According to an embodiment of the present invention, when the affiliate card includes a credit card attribute, the card company server 110 checks the credit rating of the customer who is issued the affiliate card, and then predetermined credit limit corresponding to the customer credit rating. It is preferable to set the amount of money to the card limit amount of money.

According to another embodiment of the present invention, when the affiliate card includes a check card / debit card attribute, the card company server 110 checks the customer account associated with the affiliate card, and stores the customer account balance on the card. It is preferable to set the limit amount.

In addition, the card company server 110 sets the permissible information for each limit including at least one or more merchant information (or merchant group information) to be settled through the set credit limit amount, and / or the set credit limit. Setting a per-approval target information that includes at least one payment amount per day or at least one daily / weekly / monthly payment amount, and / or when the affiliate card is processed through an online payment channel. It is recommended to set the subject-specific authorization information to allow the payment amount to be processed through the card limit amount or to process the payment amount through the card limit amount when the payment amount is processed through the offline payment channel. desirable.

According to another exemplary embodiment of the present invention, the card company server 110 allows the approval target information for each limit to be first subtracted from the card limit amount of the payment amount through the affiliate card regardless of the payment condition corresponding to the affiliate card. Or, it may be made to include information to first subtract from the usage amount registered in the affiliate server 100, whereby the present invention is not limited.

If the predetermined card limit amount information for the affiliated card and the approval target information for each limit on the card limit amount are set (2790), the card company server 110 may determine the card limit amount information and the card limit amount. The authorization target information for each limit is included in the affiliated card operation information and stored in the card information D / B 2695 (2795).

According to one embodiment of the present invention, the card information D / B 2695 is preferably provided in a DBMS on a predetermined financial system provided in the card issuing institution (or associated with the card issuing institution). The card information D / B 2695 may be a ledger D / B provided in a DBMS on the financial system and / or a predetermined database associated with the ledger D / B, whereby the present invention is not limited thereto. No.

According to another exemplary embodiment of the present invention, the card information D / B 2695 may be an online payment system, and / or a WAP-based wireless payment system, and / or an IC chip provided in (or associated with) the card issuer. It is possible to be provided in the DBMS on at least one or more of the base wireless payment system, and / or the tele payment system, whereby the present invention is not limited.

According to another embodiment of the present invention, the card information D / B 2695 is an internet banking system, and / or a telebanking system, and / or a wireless banking system provided to (or associated with) the card issuer. It is possible to be provided in the DBMS on at least one banking system of, and / or a TV banking system, whereby the present invention is not limited.

Thereafter, the card company server 110 transmits the set card limit amount information and the authorization target information for each limit on the card limit amount to the server through the communication means (2797). The affiliated card issuance information stored in the medium 2660 further stores the card limit amount information and the authorization target information for each limit on the card limit amount (2799).

28 is a diagram illustrating a card registration process for issuing an affiliate card through card number rental according to another embodiment of the present invention.

More specifically, FIG. 28 shows a non-face-to-face card registration interface (eg, client terminal and network means including at least one of a wired terminal and / or a wireless terminal) in which a predetermined customer in the card registration system shown in FIG. When the third party server 100 accesses the third party server 100 and inputs (or selects) predetermined card registration application information, the affiliate server 100 rents the card number to the customer based on the card registration application information. As a process for issuing a predetermined affiliate card through the above, specifically, a rental card number D / B 2690 for storing the rental card number is provided in the card issuing institution, and the card issuing partner institution is the card. When a predetermined card number is requested to the issuing authority, the card issuing agency requests the card number from the rental card number D / B 2690 in response thereto. Extracting a definition rental card number to provide to the card-issuing partners, and from the card-issuing partners shows a exemplary method for allocating the rental card number to a predetermined affiliated card.

Those skilled in the art to which the present invention pertains can deduce various implementation methods for issuing the affiliated card for issuing the affiliated card through leasing the card number by referring to and / or modifying the drawing 28. However, the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

For example, FIG. 28 illustrates that the affiliated card is produced and provided (or shipped) to the customer, and then the affiliated card issuance information is stored in the storage medium 2660. The process of storing the predetermined affiliate card issuance information in the storage medium 2660 may be performed before the affiliate card is produced or before the affiliate card is produced (or delivered) to the customer. The present invention is not limited.

Hereinafter, in FIG. 28, the card registration terminal shown in FIG. 26 is referred to as a "terminal" for convenience, and the affiliate server 100 is referred to as a "server" for convenience.

Referring to FIG. 28, the customer accesses the server through a predetermined terminal to connect a communication channel for card registration application, and the affiliate card for issuing an affiliate card through leasing the card number through the communication channel. The application is issued (2800), and in response, the server generates (or extracts) a user interface for issuing the affiliate card and provides the terminal to the terminal through the communication channel (2805).

Thereafter, the terminal receives (or selects) the card registration request information through the user interface and transmits the input (or select) the card registration request information to the server through the communication channel (2810).

According to an embodiment of the present invention, the card registration application information includes customer information of the card registration customer and at least one or more kinds of card attribute information for setting card attributes for the affiliated card.

Here, the customer information is personal information of the card registered customer (for example, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.), and the customer has subscribed to the affiliate server 100. It is preferable to include at least one member information (eg, member ID information).

In addition, the customer wireless terminal information is unique information of the customer wireless terminal equipped with a wireless IC chip capable of recording a card applet (or IC chip storage information) (for example, wireless terminal telephone number, address information, or identification information, Or at least one of ID information, etc.), and a card applet corresponding to the affiliate card by a wireless terminal corresponding to the customer wireless terminal information for issuing a predetermined affiliate card through the card number rental. Or IC chip storage information).

Further, the card attribute information for the affiliate card may be assigned to a credit card attribute, a check card attribute, a debit card attribute, a cash card attribute, or a prepaid card firing. It is preferable to include at least one or more attribute setting information to be provided.

For example, when assigning a credit card attribute to the affiliate card, the card attribute information may include credit inquiry consent information for issuing the affiliate card, and assigns a check card / debit card / cash card attribute to the affiliate card. In the case of granting, the card attribute information may include customer account information associated with the affiliate card. When the prepaid card attribute is assigned to the affiliate card, the card attribute information is a predetermined amount of money to the affiliate card. It may be made by including prepaid card charging information for charging.

According to another embodiment of the present invention, when the card attribute is fixed by the card issuing affiliate (or card issuing authority) or is set in a policy, the card attribute information may be omitted, thereby limiting the present invention. Not.

Thereafter, the server receives and reads the card registration request information from the terminal through the network means and issues the affiliated card through leasing the card number to the customer based on the customer information included in the card registration request information. The card registration validity for issuing the affiliate card is verified (2815).

According to the implementation method of the present invention, the validity confirmation for issuing the alliance card to the customer, based on the customer name and resident registration number included in the customer information, a predetermined real name verification server (not shown) It is preferable to include a) to confirm the real name of the customer in conjunction with).

In addition, when the affiliated card includes a credit card attribute, the validity check for issuing the affiliated card to the customer is based on a predetermined communication means based on the customer information. It is preferable to include the check the credit information of the customer in conjunction with).

In addition, when the affiliate card includes a check card / debit card attribute, the validity check for issuing the affiliate card to the customer is performed based on the customer information. It is preferable that the customer account associated with the card is formed in connection with a financial institution server (not shown) opened and confirming whether the customer account is opened and normally operated.

In addition, validity confirmation for issuing the alliance card to the customer includes subscriber management means (for example, subscriber information D / B (not shown) and subscription management server (not shown)) on the wireless communication network corresponding to the customer wireless terminal information. Etc.), it is preferable to include checking whether the customer wireless terminal information is valid.

If the validity to issue the affiliate card to the customer is not authenticated through the card registration application information (2820), the server provides card registration error information to the customer through the card registration interface (2825). Stop issuing the affiliate card to the customer.

On the other hand, if the validity to issue the affiliate card to the customer through the card registration application information is authenticated (2820), the server to the card company server 110 based on the card registration application information through the communication means The card company server 110 transmits the number request information (2830), and correspondingly, the card company server 110 extracts a predetermined card number leased from the lease card number D / B 2690 to the card issuing affiliate institution, and extracts the extracted card number. After generating a predetermined card verification value (or verification code) corresponding to the card number (2835), the extracted card number and the card verification value (or verification code) are transmitted to the server through the communication means (2840). ).

According to another exemplary embodiment of the present invention, the card company server 110 extracts the card number from the rental card number D / B 2690 in response to the card number request information and transmits the card number to the server. If the predetermined card verification value (or verification code) request information corresponding to the card number is received from the card number, the predetermined card verification value (or verification code) corresponding to the card number may be generated and transmitted to the server. The present invention is not limited thereby.

When the card number and the card verification value (or verification code) are received from the card company server 110 as described above, the server receives predetermined affiliate card information including the affiliate card number and the card verification value (or verification code). Create (2845).

Here, the affiliated card information may include a card number (eg, 16-digit card number) corresponding to the affiliated card, the received card verification value (or verification code), expiration date information (some may be omitted), and card issuer information ( Or code).

For example, the card number (although some exceptions exist) preferably includes a four-digit card issuing organization number, a two-digit card type number, a nine-digit serial number, and a check digit.

The expiration date information is preferably made to include the period (or expiration date and time) that can be used for the affiliate card, it may be omitted if the expiration date does not exist in the affiliate card, thereby the present invention is not limited .

The card issuing organization information (or code) preferably comprises at least one or more unique numbers (or unique codes) assigned to the card issuing organization (or financial company) that issues the affiliate card to the customer.

Thereafter, the server sets usage amount information including a predetermined limit amount assigned to the affiliate card by the card issuing affiliate institution and approval target information for each limit on the usage amount (2850).

According to the implementation method of the present invention, the server preferably sets a certain amount of money to be used by the card issuing affiliate to the affiliated card according to the utilization policy of the card issuing affiliate.

Alternatively, the server may set the predetermined amount in consideration of the customer grade set by the card issuing affiliate institution or the loyalty of the customer to the card issuing affiliate institution based on the customer information included in the card registration application information. It is preferable that the card issuance affiliated institution set the usage amount to be assigned to the affiliated card.

Alternatively, the server checks the credit rating of the customer in connection with at least one credit rating server (not shown) based on the customer information included in the card registration application information, and then, the server determines a predetermined amount of money corresponding to the credit rating. It is preferable that the card issuance affiliated institution set the usage amount to be assigned to the affiliated card.

Alternatively, the server checks the account balance of the customer in connection with at least one financial company server (not shown) based on the customer information included in the card registration application information, and then sets a predetermined amount of money corresponding to the account balance. It is preferable that the card issuance affiliated institution set the usage amount to be assigned to the affiliated card.

Or, the server requests the credit limit amount information of the customer to the card company server 110 provided in the card issuing agency based on the customer information included in the card registration application information, and the credit limit amount to be confirmed It is preferable to set the corresponding fixed amount of money to the utilization amount that the card issuing affiliate institution gives to the affiliate card.

Those skilled in the art to which the present invention pertains, in addition to the usage setting method described above, it is possible to infer various implementation methods in which the card issuing affiliate institution gives a predetermined usage amount to the affiliate card. It is preferable that the invention includes all the methods of inferring the above.

According to an exemplary embodiment of the present invention, the server sets approval target information for each limit including at least one or more affiliate store information (or affiliate store group information) to be processed for payment through the set utilization amount, and / or the set Set per-approval authorization information that includes at least one one-time payment amount, or at least one daily / weekly / monthly payment amount through a usage amount; and / or the affiliate card processes payment through an online payment channel. Set the approval target information for each limit to allow the payment amount to be processed through the utilization amount or to process the payment amount through the utilization amount when the payment is processed through the offline payment channel. It is desirable to.

According to another exemplary embodiment of the present invention, the approval target information for each limit may include information for first subtracting the payment amount through the affiliate card from the usage amount regardless of the payment condition corresponding to the affiliate card. It is possible, and the invention is not limited thereby.

If the utilization amount information for the affiliate card and the authorization target information for each limit on the utilization amount are set (2855), the server may provide a predetermined card applet including the generated (or extracted) affiliate card information ( Or IC chip storage information) (2860), and the generated card applet (or IC chip storage information) to the customer wireless terminal through a wireless communication network corresponding to the customer wireless terminal information included in the card registration application information. Send (2865).

Here, the card applet (or IC chip storage information) preferably includes a file structure recorded on a wireless IC chip provided in the customer wireless terminal and operable on a chip operating system (COS) on the wireless IC chip.

According to an embodiment of the present invention, the server reads the customer wireless terminal information included in the card registration request information to identify a wireless communication network corresponding to the customer wireless terminal information, and a predetermined applet providing server connected to the wireless communication network. It is preferable to transmit the generated card applet (or IC chip storage information) to the customer wireless terminal through 2655.

Those skilled in the art to which the present invention pertains, various methods of transmitting the card applet (or IC chip storage information) from the applet providing server 2655 to the customer wireless terminal (eg, wireless message and The card applet (or IC chip storage information) transmission using the callback URL) may be inferred, but the present invention is characterized by including all implementation methods inferred.

Thereafter, the customer wireless terminal records the received card applet (or IC chip storage information) on a wireless IC chip provided in the corresponding wireless terminal, thereby issuing an affiliate card corresponding to the card applet (or IC chip storage information). (2870).

Thereafter, the server issuing an affiliate card including at least one of customer information included in the card registration application information provided from the customer through the card registration interface, the generated affiliate card information, and card attribute information of the affiliate card. Information is stored in the storage medium 2660 (2875).

Here, the customer information included in the affiliated card issuance information includes personal information of the card registered customer (for example, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.), and the customer It is preferable to include at least one member information (for example, member ID information) subscribed to the affiliate server 100.

In addition, the card attribute information included in the affiliate card issuance information may be assigned to a credit card attribute, a check card attribute, a debit card attribute, a cash card attribute, or prepaid. At least one attribute setting information for imparting card firing is preferably included.

For example, when assigning a credit card attribute to the affiliate card, the card attribute information includes various attribute information (eg, credit limit, etc.) for use in payment through a credit card payment system for issuing the affiliate card. When the check card / debit card / cash card attribute is given to the affiliate card, the card attribute information may include customer account information associated with the affiliate card, and the prepaid card attribute is added to the affiliate card. In the case of granting, the card attribute information may include information on the amount of charge charged in the affiliate card.

Those skilled in the art will be able to infer various technical configurations of the card attribute information, so a detailed description thereof will be omitted.

In addition, the utilization amount information for the affiliated card is preferably made to include a predetermined amount of the limit given to the affiliated card by the card issuing affiliated institution, and then a part (or all) of the utilization amount is the card. It is preferable to deposit in the form of a customer allowance from the issuing affiliate institution to the card issuer.

According to an exemplary embodiment of the present invention, the approval target information for each limit includes at least one merchant information (or merchant group information), payment amount information, online / offline payment channel information, etc. to be paid and processed through the utilization amount. It is preferable to comprise at least one or more.

According to another exemplary embodiment of the present invention, the approval target information for each limit may include information for first subtracting the payment amount through the affiliate card from the usage amount regardless of the payment condition corresponding to the affiliate card. It is possible, and the invention is not limited thereby.

Thereafter, the server issues the at least one affiliate card including at least one of customer information corresponding to the affiliate card, card information, and card attribute information to the card company server 110 through the communication means. The card company server 110 stores the affiliated card operation information further including the card issuing affiliated agency information in the affiliated card issuing information in a predetermined card information D / B 2695. (2885).

In addition, the card company server 110 sets predetermined credit limit amount information for the affiliated card and approval target information for each limit on the card limit amount (2890).

According to an embodiment of the present invention, when the affiliate card includes a credit card attribute, the card company server 110 checks the credit rating of the customer who is issued the affiliate card, and then predetermined credit limit corresponding to the customer credit rating. It is preferable to set the amount of money to the card limit amount of money.

According to another embodiment of the present invention, when the affiliate card includes a check card / debit card attribute, the card company server 110 checks the customer account associated with the affiliate card, and stores the customer account balance on the card. It is preferable to set the limit amount.

In addition, the card company server 110 sets the permissible information for each limit including at least one or more merchant information (or merchant group information) to be settled through the set credit limit amount, and / or the set credit limit. Setting a per-approval target information that includes at least one payment amount per day or at least one daily / weekly / monthly payment amount, and / or the affiliate card is processed through an online payment channel. If the payment amount is processed through the card limit amount, or if the payment is processed through the offline payment channel, setting the target information for each limit to allow the payment amount to be processed through the card limit amount. It is preferable.

According to another exemplary embodiment of the present invention, the card company server 110 allows the approval target information for each limit to be first subtracted from the card limit amount of the payment amount through the affiliate card regardless of the payment condition corresponding to the affiliate card. Or, it may be made to include information to first subtract from the usage amount registered in the affiliate server 100, whereby the present invention is not limited.

If the predetermined card limit amount information for the affiliated card and the approval target information for each limit on the card limit amount are set (2892), the card company server 110 checks the card limit amount information and the card limit amount. The authorization target information for each limit is included in the affiliated card operation information and stored in the card information D / B 2695 (2894).

According to one embodiment of the present invention, the card information D / B 2695 is preferably provided in a DBMS on a predetermined financial system provided in the card issuing institution (or associated with the card issuing institution). The card information D / B 2695 may be a ledger D / B provided in a DBMS on the financial system and / or a predetermined database associated with the ledger D / B, thereby limiting the present invention. Not.

According to another exemplary embodiment of the present invention, the card information D / B 2695 may be an online payment system, and / or a WAP-based wireless payment system, and / or an IC chip provided in (or associated with) the card issuer. It is possible to be provided in the DBMS on at least one or more of the base wireless payment system, and / or the tele payment system, whereby the present invention is not limited.

According to another embodiment of the present invention, the card information D / B 2695 is an internet banking system, and / or a telebanking system, and / or a wireless banking system provided to (or associated with) the card issuer. It is possible to be provided in the DBMS on at least one banking system of, and / or a TV banking system, whereby the present invention is not limited.

Thereafter, the card company server 110 transmits the set card limit amount information and the authorization target information for each limit on the card limit amount to the server through the communication means (2896). The affiliated card issuance information stored in the medium 2660 further stores the card limit amount information and the authorization target information for each limit on the card limit amount (2898).

29 is a diagram illustrating a card registration system for issuing an affiliate card in the form of a card applet (or IC chip storage information) through real-time lease (or numbering) of card numbers according to another embodiment of the present invention.

In more detail, Fig. 29 shows a card issuing affiliated institution by a customer who owns a wireless terminal equipped with a predetermined wireless IC chip (eg, a financial IC chip or a universal subscriber identity module (USIM)) through a predetermined card registration interface. By providing card registration application information for issuing an affiliate card through a predetermined card number lease, the card issuing affiliated agency provides a wireless IC chip provided to the customer to the customer based on the provided card registration application information. A system configuration for issuing an affiliate card in the form of a card applet (or IC chip storage information). Specifically, when the card issuing agency requests a predetermined card number to be assigned to the affiliate card from the card issuing agency, In response, the card issuing institution generates a rental card number and provides the card issuing partner to the card issuing agency. A method for allocating the rental card number to a predetermined affiliated card is shown in a card issuing affiliated institution.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 29 to infer various implementation methods for the configuration of a card registration system for issuing an affiliated card through leasing the card number. However, the present invention includes all the implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

Hereinafter, a card applet (or IC chip storage) using a wireless IC chip provided in the customer wireless terminal based on the card registration application information provided from the customer through a predetermined card registration interface on the card registration system shown in FIG. 29. Information corresponding to at least one or more means and / or functional configuration for issuing an affiliate card in the form of a &quot; partner server 100 &quot; for convenience, and the card issuing affiliated agency provided with the affiliate server 100 can It is preferable to include at least one of a mobile communication company, various wireless communication companies, various wired communication companies, a portal service provider, etc., which are affiliated with a card issuer.

Referring to this figure 29 according to the embodiment of the present invention, the card registration system for issuing an affiliate card through the lease of the card number, an employee terminal used by an affiliated employee provided in at least one card issuer (or financial institution) And / or a client terminal including at least one wired terminal and / or a wireless terminal used by the customer when the card registration system supports a non-face-to-face card registration application. Characterized in that the employee terminal and / or client terminal is connected to the communication channel and the affiliate server 100 provided in the card issuing affiliate institution through a predetermined network means.

According to one embodiment of the present invention, the customer visits the card issuing agency to issue an affiliate card through the card number leasing and through the window provided at the card issuing institution (or through an affiliated employee). Fill out a predetermined card registration application for issuing an affiliate card through lease (e.g., a document with a form for filling in at least one item of information for issuing an affiliate card through lease of the card number) and / or the affiliate employee Visit the customer and have the customer fill out a predetermined card registration application for issuing an affiliate card through leasing the card number), and submit the completed card registration application to the affiliated employee. Enter (or select) the information entered in the card registration application through the employee's terminal, The employee terminal preferably transmits the input (or selected) information to the affiliate server 100 provided in the card issuing affiliate institution through the network means.

Here, preferably, the employee terminal includes an employee terminal used by an affiliated employee provided in the card issuing institution, and the affiliate server 100 connected to the employee terminal is the card issuing institution (or financial institution, or the And a server provided on a card issuing agency affiliated with a card issuing institution, wherein the network means for connecting the employee terminal and the affiliate server 100 is between the employee terminal and the affiliate server 100. It is preferable to include a communication network connecting the communication channel.

In the card registration system as described above, the card registration application created by the customer, the employee terminal used by the affiliated employee and the financial network connecting the employee terminal and the affiliated server 100, the customer rents the card number. It performs a function of a card registration interface for registering card registration application information for issuing an affiliate card through.

According to another exemplary embodiment of the present invention, when the card registration system supports a non-face-to-face card registration application, the customer is selected from a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network. Access the affiliate server 100 through at least one client terminal and input card registration application information for issuing an affiliate card through lease of the card number through at least one user interface provided by the affiliate server 100. (Or optional), the client terminal preferably transmits through the predetermined network means to the affiliate server 100 provided in the card issuing affiliate institution.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices connected to a TCP / IP based communication network, and a desktop computer and / or a notebook 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.

In addition, the wireless terminal connected to the wireless communication network is all terminal devices connected to a code division multiple access (CDMA) based mobile communication network, and / or all terminal devices connected to a high speed downlink packet access (HSDPA) based wireless communication network, and / Or all terminal devices connected to the IEEE 802.16x based mobile Internet, and / or all terminal devices connected to Motorola's DataTAC method and / or Erricson's Mobitex type wireless data communication network, and are personal communications connected to the CDMA based mobile communication network. Terminal (Personal Communication System; PCS) and / or Global System for Mobile communications (GSM) terminals and / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or personal information terminals (Personal Digital Assistant; PDA) and / or Smart Phone and / or Telematics, or HSDPA (High Speed Dow) and at least one wireless communication terminal connected to an nlink packet access) based wireless communication network, a portable internet terminal connected to the IEEE 802.16x based portable internet, or a wireless data communication terminal connected to the DataTAC / Mobitex based wireless data communication network. It is preferable to make.

The client terminal may output at least one user interface provided by the affiliate server 100, input and / or select at least one information through the user interface, and transmit the same to the affiliate server 100. It is preferable that a function configuration (e.g., a browser program and a communication function, or a predetermined communication program and a communication function to communicate with the affiliate server 100) 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 and / or wireless terminals, and thus a detailed description thereof will be omitted for convenience. .

In the card registration system as described above, a client terminal including at least one wired terminal and / or a wireless terminal used by the customer, at least one wired communication network connecting the client terminal and the affiliate server 100 and / or Alternatively, the wireless communication network performs a function of a card registration interface for registering the card registration application information for the customer to issue an affiliated card through leasing the card number.

According to another embodiment of the present invention, when the card registration system supports a non-face-to-face card registration application, the card registration terminal, in addition to the employee terminal and / or client terminal, a predetermined financial network (eg, 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 a terminal) provided in at least one or more organizations affiliated with the card issuing organization, and / or further comprising a predetermined call terminal (not shown) connected to the card issuing organization. Bourbon) (which may further include a not illustrated), to which the present invention is not limited.

In the case of supporting a non-face-to-face card registration application as described above, when the card registration terminal is the financial automatic device (not shown), the financial automatic device (not shown) and the financial automatic device (not shown) And a financial network connecting the affiliate server 100 performs a function of a card registration interface for registering the card registration application information for the customer to issue an affiliate card through the lease of the card number, and / or the card registration. When the terminal is the call terminal (not shown), the wired telephone network and / or the wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the affiliate server 100 may be used by the customer. Performs a function of a card registration interface for registering card registration application information for issuing an affiliate card through number rental, and / or the card registration terminal In the case of a terminal (and / or server) (not shown) provided in an institution affiliated with the card issuing organization, the terminal (and / or server) (not shown) and the terminal (and / or server) (not shown) The network connecting the affiliate server 100 and the affiliate server 100 performs a function of a card registration interface for registering the card registration application information for the customer to issue an affiliate card through the lease of the card number.

The storage medium 2960 provided in the card issuing affiliate institution issues a predetermined alliance card to the customer based on the card registration application information provided from the card registration terminal, and then the customer information according to the issuance of the alliance card. And affiliated card issuance information including at least one affiliated card information and at least one card attribute information. The affiliated card issuance information stored in the storage medium 2960 may be leased by the card issuer. It is used to provide affiliate card related services through.

According to another exemplary embodiment of the present invention, the storage medium 2960 may be connected to a predetermined DBMS interoperating with a server (or device) that performs a predetermined information processing function using the affiliated card issuing information at the card issuing affiliate. In this case, the storage medium 2960 may be provided at various positions according to the intention of those skilled in the art, and the present invention is not limited thereto.

The affiliate server 100 provided in the card issuing affiliate institution is a generic term for the card issuing affiliate institution side components connected to the card registration terminal 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 affiliate server 100 is provided with an interface unit 2900 (or interface means) for providing a predetermined card registration interface to the card registration terminal through the network means. do.

According to an embodiment of the present invention, when the card registration terminal is an employee terminal connected to a predetermined financial network, the interface unit 2900 communicates with the employee terminal based on a protocol stack defined in the financial network. It is preferable to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in the card registration application program provided in the employee terminal.

According to another exemplary embodiment of the present invention, when the card registration terminal is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 2900 is based on the protocol stack defined in the wired communication network. It is desirable to provide a communication interface for connecting at least one communication channel with a client terminal and transmitting and receiving at least one or more 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 Hyper-Text Transfer Protocol (HTTP) protocol is provided in the client terminal, the interface unit 2900 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 a predetermined card registration application program provided by the affiliate server 100 is provided in the client terminal, the interface unit 2900 connects a communication channel with the client terminal based on the TCP / IP protocol. It 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 registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 2900 is based on a protocol stack defined in the wireless communication network. It is preferable to connect a predetermined communication channel with the client terminal, and to provide a communication interface for transmitting and receiving at least one or more 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 2900 may communicate 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 registration application program provided by the affiliate server 100, the interface unit 2900 connects a communication channel with the client terminal based on the CDMA protocol, and the communication program Provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in.

Referring to FIG. 29, when a predetermined card registration terminal is connected to the affiliate server 100 through the interface unit 2900, the affiliate server 100 interoperates with the interface unit 2900 and the card registration terminal. An interface providing unit 2905 (or interface providing means) for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined card registration application information to the card registration terminal; An information receiving unit 2910 (or information receiving means) for receiving predetermined card registration application information transmitted (or selected) from the card registration terminal through the user interface in association with the interface unit 2900; A validity authentication unit 2915 (or a validity check unit) for checking the validity of issuing the affiliate card to the customer based on the registered card registration application information And a predetermined card number to be assigned to the affiliated card by the card company server 110 based on the card registration application information through the communication means, and correspondingly, the card company server 110 requests a predetermined card number from the card company server 110. A card number assignment unit 2525 (or card number assignment means) for receiving a rental card number of the affiliate card and assigning the card number to the affiliate card number of the registered affiliate card and generating predetermined affiliate card information including the affiliate card number; A card information generation unit 2930 (or information generating means) and a usage amount for setting authorization amounts to be applied to the customer by the card issuing affiliated institution and the limit of the usage amount in correspondence with the partnership card. Generating an applet for generating a predetermined card applet (or IC chip storage information) including the setting unit 2937 (or the utilization setting means) and the association card information. 2940 (or applet generating means) and the card applet (or IC chip storage information) through the predetermined wireless communication network to the customer wireless terminal for recording on the wireless IC chip provided in the customer wireless terminal. A card issuing unit 2950 (or card issuing means) for issuing an alliance card, and an information storage unit 2945 for storing the alliance card issuance information corresponding to the alliance card issued to the customer in the storage medium 2960 ( Or information storage means).

In addition, after the predetermined affiliate card is issued through the card issuing unit 2950, the affiliate server 100 receives the predetermined affiliated card through a predetermined communication means (for example, a dedicated communication network or a secure communication network based on encrypted communication). The card company server 110 provided in the card issuing organization is characterized in that it comprises an information transmitting and receiving unit 2920 for transmitting the customer information, the card information, and the card attribute information corresponding to the partnership card.

In addition, the information transmitting and receiving unit 2920 is applied to the card registration through the communication means in association with the card number assignment unit 2925 to assign a predetermined cooperation card number by the card number assignment unit 2925 The card company server 110 requests a predetermined card number based on the information (or transmits card number request information), and correspondingly receives the predetermined card number from the card company server 110 to allocate the card number. It is possible to provide the part 2925, and the present invention is not limited thereby.

In addition, when the predetermined partner card number is assigned by the card number assignment unit 2925, the information transmitting and receiving unit 2920, through the communication means to the card company server 110 provided in the card issuing agency the card The affiliate card number assigned by the number assignment unit 2925 is transmitted, and a card verification value (or verification code) corresponding to the affiliate card number from the card company server 110 (eg, a CVV (Card Verification) of a visa card. Value), CVC (Card Validation Code) of the master card, CID (Confidential Identifier Number or Card Identification Number) of the American Express card), and the like, and the card company server 110 for allocating the affiliated card number. When the rental card number received from the card includes a predetermined card verification value (or verification code), the information transmitting and receiving unit 2920 is the card verification value (or the verification card for the affiliated card number) The function of transmitting / receiving verification code) may be omitted.

The interface providing unit 2905 provides the card registration application information in response to a function configuration provided in the card registration terminal when a predetermined card registration terminal is connected to the affiliate server 100 through the interface unit 2900. Generate a predetermined user interface which can be input (or selected) and transmitted to the affiliate server 100 via the network means, and / or extract from a predetermined database (not shown), and with the interface unit 2900 And providing the generated (or extracted) user interface to the card registration terminal through the network means.

Thereafter, the card registration terminal inputs (or selects) the card registration application information based on the user interface, and transmits the input (or selected) card registration application information to the affiliate server 100 through the network means. send.

When the card registration terminal is an employee terminal connected to a predetermined financial network according to an exemplary embodiment of the present invention, the interface providing unit 2905 may provide a predetermined user interface that can be provided by a card registration application program provided in the employee terminal. It is preferable to generate (or extract) and to provide the user terminal with the generated (or extracted) user interface via the interface unit 2900.

According to another embodiment of the present invention, when the card registration terminal is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface providing unit 2905 may include a browser program and / or provided in the client terminal. 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 2900.

According to another exemplary embodiment of the present invention, when the card registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 2905 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 2900.

When the information receiving unit 2910 inputs (or selects) predetermined card registration application information through the user interface from the card registration terminal and transmits the information through the network means, the card registration unit interlocks with the interface unit 2900 to register the card. Characterized in that the application information is received, and provides the received card registration application information to the validity authentication unit (2915).

According to an embodiment of the present invention, the card registration application information includes at least one or more card information of the card registration customer, customer wireless terminal information, and various card property information for setting card properties for the affiliated card. .

Here, the customer information is personal information of the card registered customer (for example, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.), and the customer has subscribed to the affiliate server 100. It is preferable to include at least one member information (eg, member ID information).

In addition, the customer wireless terminal information is unique information of the customer wireless terminal equipped with a wireless IC chip capable of recording a card applet (or IC chip storage information) (for example, wireless terminal telephone number, address information, or identification information, Or at least one of ID information, etc.), and a card applet corresponding to the affiliate card by a wireless terminal corresponding to the customer wireless terminal information for issuing a predetermined affiliate card through the card number rental. Or IC chip storage information).

Further, the card attribute information for the affiliate card may be assigned to a credit card attribute, a check card attribute, a debit card attribute, a cash card attribute, or a prepaid card firing. It is preferable to include at least one or more attribute setting information to be provided.

For example, when assigning a credit card attribute to the affiliate card, the card attribute information may include credit inquiry consent information for issuing the affiliate card, and assigns a check card / debit card / cash card attribute to the affiliate card. In the case of granting, the card attribute information may include customer account information associated with the affiliate card. When the prepaid card attribute is assigned to the affiliate card, the card attribute information may be set to the affiliate card. It may include a prepaid card charging information for charging.

According to another embodiment of the present invention, when the card attribute is fixed by the card issuing affiliate (or card issuing authority) or is set in a policy, the card attribute information may be omitted, thereby limiting the present invention. Not.

According to the embodiment of the present invention, the card registration application information may further include predetermined utilization application information including a predetermined utilization request amount. In this case, the utilization setting unit 2935 may include It is possible to set the utilization amount for the affiliated card based on the utilization request amount included in the utilization application information, thereby not limiting the present invention.

The validity authentication unit 2915 checks the validity of issuing the alliance card to the customer based on the customer information and the customer wireless terminal information included in the received card registration application information.

According to the implementation method of the present invention, the validity confirmation for issuing the alliance card to the customer, based on the customer name and resident registration number included in the customer information, a predetermined real name verification server (not shown) It is preferable to include a) to confirm the real name of the customer in conjunction with).

In addition, when the affiliated card includes a credit card attribute, the validity check for issuing the affiliated card to the customer is based on a predetermined communication means based on the customer information. It is preferable to include the check the credit information of the customer in conjunction with).

In addition, when the affiliate card includes a check card / debit card attribute, the validity check for issuing the affiliate card to the customer is performed based on the customer information. It is preferable that the customer account associated with the card is opened in connection with a financial institution server (not shown) to check whether the customer account is opened and normally operated.

In addition, validity confirmation for issuing the alliance card to the customer includes subscriber management means (for example, subscriber information D / B (not shown) and subscription management server (not shown)) on the wireless communication network corresponding to the customer wireless terminal information. Etc.), it is preferable to include checking whether the customer wireless terminal information is valid.

The card number assignment unit 2925 is a card company server provided in the card issuing organization based on the card registration application information through the communication means (or through the communication means in association with the information transmitting and receiving unit 2920) ( Request a predetermined card number to be assigned to the affiliate card (or transmit card number request information), and confirm (or receive) a predetermined rental card number to be assigned to the affiliate card from the card company server 110; And generating (or extracting) a predetermined affiliate card number including the lease card number and assigning it to the affiliate card.

According to an embodiment of the present invention, when the lease card number received from the card company server 110 includes a 16-digit lease card number, the card number allocator 2925 uses the lease card number as the affiliate card number. It is preferable to extract.

According to another embodiment of the present invention, if the lease card number received from the card company server 110 includes the 9-digit serial number of the 16-digit card number, the card number allocator 2925 is the 9-digit serial It is preferable to generate a predetermined affiliate card number including a lease card number, a card issuing agency information number, a card type number, and a check digit corresponding to the number.

If the person having ordinary knowledge in the technical field to which the present invention belongs, if the lease card number follows a card number system other than the 16-digit card number, the lease card number to the affiliated card number according to the card number system Various implementation methods may be inferred, and the present invention is characterized by including all implementation methods inferred.

According to an embodiment of the present invention, when a predetermined affiliated card number is assigned by the card number assignment unit 2925, the information transmission / reception unit 2920 is a card company server provided in the card issuer through the communication means ( And transmits the affiliate card number assigned by the card number assignment unit 2925 to a card verification value (or verification code) corresponding to the affiliate card number from the card company server 110 (eg, a visa card). It is preferable to receive the CVV (Card Verification Value), Master Card CVC (Card Validation Code), American Express card CID (Confidential Identifier Number or Card Identification Number), etc., received from the card company server 110 The card verification value (or verification code) is included in the rental card number, or the card verification value (or verification code) generation function is provided in the card number assignment unit 2925. The function of transmitting / receiving a card verification value (or verification code) for the affiliated card number by the information transmitting and receiving unit 2920 may be omitted.

When the association card number is generated (or extracted) as described above, the card information generation unit 2930 may generate predetermined association card information including the association card number.

According to an embodiment of the present invention, the affiliate card information includes at least one affiliate card number, a card verification value (or verification code), the card expiration date (some may be omitted), and card issuer information (or code). It is preferable to make it.

For example, the card number (although some exceptions exist) preferably includes a four-digit card issuing organization number, a two-digit card type number, a nine-digit serial number, and a check digit.

The expiration date information is preferably made to include the period (or expiration date and time) that can be used for the affiliate card, it may be omitted if the expiration date does not exist in the affiliate card, thereby the present invention is not limited .

The card issuing organization information (or code) preferably comprises at least one or more unique numbers (or unique codes) assigned to the card issuing organization (or financial company) that issues the affiliate card to the customer.

When predetermined affiliated card information included in the affiliated card is generated by the card information generating unit 2930, the utilization setting unit 2935 sets a predetermined amount of money according to the utilization policy of the card issuing affiliated institution. Characterized in that the issuing affiliated institution is set to the usage amount that is assigned to the affiliated card.

Alternatively, the utilization setting unit 2937 may determine the customer grade set by the card issuing affiliate institution or the loyalty of the customer to the card issuing affiliate institution based on the customer information included in the card registration application information. In consideration of the above, the predetermined amount is set as a usage amount which the card issuing affiliate institution gives to the affiliate card.

Alternatively, the utilization setting unit 2935 checks the credit rating of the customer in connection with at least one credit evaluation server (not shown) based on the customer information included in the card registration application information, and then corresponds to the credit rating. Characterized in that a certain amount of money is set to the utilization amount that the card issuing affiliated organization gives to the affiliated card.

Alternatively, the utilization setting unit 2935 identifies the account balance of the customer in connection with at least one financial company server (not shown) based on the customer information included in the card registration application information, and then corresponds to the account balance. It is characterized by setting a certain amount of money to the utilization amount that the card issuing affiliated organization gives to the affiliated card.

Alternatively, the utilization setting unit 2935 requests the credit limit amount information of the customer to the card company server 110 provided in the card issuing agency based on the customer information included in the card registration application information, Characterized in that a certain percentage of the amount corresponding to the credit limit amount to be confirmed is characterized in that the card issuance affiliated institutions to set the amount of the usage amount that the affiliated card.

Those skilled in the art to which the present invention pertains, in addition to the usage setting method described above, it is possible to infer various implementation methods in which the card issuing affiliate institution gives a predetermined usage amount to the affiliate card. The invention is characterized in that it comprises all the methods of inference.

According to the exemplary embodiment of the present invention, the utilization setting unit 2937 sets approval target information for each limit including at least one or more affiliate store information (or affiliate store group information) to be processed for payment through the set utilization amount. And / or to set the per-approval target information including at least one or more one-time payment amount or daily / weekly / monthly payment amount to be processed through the set utilization amount, and / or the affiliate card is online. Limit to allow the payment amount to be processed through the utilization amount when the payment is made through the payment channel, or to process the payment amount through the utilization amount when the payment is processed through the offline payment channel. It is desirable to set the approval target information.

According to another exemplary embodiment of the present invention, the approval target information for each limit may include information for first subtracting the payment amount through the affiliate card from the usage amount regardless of the payment condition corresponding to the affiliate card. It is possible, and the invention is not limited thereby.

When predetermined affiliated card information included in the affiliated card is generated by the card information generator 2930, the applet generator 2940 includes a predetermined card applet (or IC chip storage information) including the affiliated card information. The card applet (or IC chip storage information) is recorded in a wireless IC chip provided in the customer wireless terminal and has a file structure operable on a chip operating system (COS) on the wireless IC chip. It is preferable to comprise.

When the card applet (or IC chip storage information) is generated by the applet generating unit 2940, the card issuing unit 2950 sends the card to the customer wireless terminal through a wireless communication network corresponding to the customer wireless terminal information. By sending an applet (or IC chip storage information), the customer wireless terminal records the card applet (or IC chip storage information) on a wireless IC chip provided in the wireless terminal to issue the affiliate card to the customer. It is characterized by.

Thereafter, the information storage unit 2945 may include customer information included in the card registration application information received from the customer through the information receiving unit 2910, the generated affiliate card information, card attribute information of the affiliate card, and the like. Characterized in that the storage card (2960) is stored in the storage card (2960), the affiliate card issuance information including at least one of the usage amount information and the limit-specific approval target information for the alliance card.

Here, the customer information included in the affiliated card issuance information includes personal information of the card registered customer (for example, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.), and the customer It is preferable to include at least one member information (for example, member ID information) subscribed to the affiliate server 100.

In addition, the card attribute information included in the affiliate card issuance information may be assigned to a credit card attribute, a check card attribute, a debit card attribute, a cash card attribute, or prepaid. At least one attribute setting information for imparting card firing is preferably included.

For example, when assigning a credit card attribute to the affiliate card, the card attribute information includes various attribute information (eg, credit limit, etc.) for use in payment through a credit card payment system for issuing the affiliate card. When the check card / debit card / cash card attribute is given to the affiliate card, the card attribute information may include customer account information associated with the affiliate card, and the prepaid card attribute is added to the affiliate card. In the case of granting, the card attribute information may include information on the amount of charge charged in the affiliate card.

Those skilled in the art will be able to infer various technical configurations of the card attribute information, so a detailed description thereof will be omitted.

In addition, the utilization amount information for the affiliated card is preferably made to include a predetermined amount of the limit given to the affiliated card by the card issuing affiliated institution, and then a part (or all) of the utilization amount is the card. It is preferable to deposit in the form of a customer allowance from the issuing affiliate institution to the card issuer.

According to an exemplary embodiment of the present invention, the approval target information for each limit includes at least one merchant information (or merchant group information), payment amount information, online / offline payment channel information, etc. to be paid and processed through the utilization amount. It is preferable to comprise at least one or more.

According to another exemplary embodiment of the present invention, the approval target information for each limit may include information for first subtracting the payment amount through the affiliate card from the usage amount regardless of the payment condition corresponding to the affiliate card. It is possible, and the invention is not limited thereby.

Referring to FIG. 29, the card company server 110 of the card issuing organization connected to the affiliate server 100 through a predetermined communication means receives predetermined card number request information from the affiliate server 100 through the communication means. When the card number request information is received from the affiliate server 100 through the information transmitting and receiving unit 2965 (or information receiving means) and the information transmitting and receiving unit 2965, And a card number generation unit 2680 for generating a predetermined lease card number to be assigned to the affiliated card. The information transmitting / receiving unit 2965 (or an information transmitting means) converts the lease card number into the card. Characterized in that the transmission to the affiliate server (100).

According to the present invention, when the card number generation unit 2680 generates a predetermined rental card number, a verification card information generation unit generating a predetermined card verification value (or verification code) corresponding to the generated card number. And 2930, wherein the information transmission / reception unit 2965 (or information transmission means) sends the rental card number and the card verification value (or verification code) to the affiliate server 100. Characterized in that the transmission.

Here, the rental card number, including all 16-digit card number, or the nine-digit serial number of the 16-digit card number (for example, the first four digits corresponding to the card issuing agency number and corresponding to the card type number) The next 2 digits and the remaining 9 digits of the serial number except the last 1 digit corresponding to the check digit). You may.

Those skilled in the art to which the present invention belongs, the verification card information generation unit 2930 is the CVV (Card Verification Value) of the visa card, CVC (Card Validation Code) of the master card, American Express card Since you will be familiar with the technical features for generating a card verification value (or verification code) including at least one CID (Confidential Identifier Number or Card Identification Number), a detailed description thereof will be omitted for convenience.

According to the present invention, the card company server 110 of the card issuing organization connected to the affiliate server 100 through a predetermined communication means may receive a predetermined card verification value from the affiliate server 100 through the communication means (or Verification code) When a predetermined affiliated card number is received from the affiliate server 100 through the information transceiver 2965 (or the information receiving means) for receiving the request information and the information transceiver 2965 (or the card). And a verification card information generation unit 2930 for generating a predetermined card verification value (or verification code) corresponding to the affiliated card number, when a verification value (or verification code) is requested), The information transmitting / receiving unit 2965 (or information transmitting means) transmits a card verification value (or verification code) corresponding to the affiliate card number to the affiliate server 100.

According to the present invention, the card company server 110 of the card issuing organization connected to the affiliate server 100 through a predetermined communication means corresponds to the issued affiliate card from the affiliate server 100 through the communication means. An information transmitting / receiving unit (2965) (or information receiving means) for receiving affiliate card issuance information including at least one of customer information, affiliate card information, and card attribute information corresponding to the affiliate card; And an information storage unit 2675 for storing, in the predetermined card information D / B 2690, the affiliate card operation information in which the affiliate card information and the card attribute information are linked to the affiliated agency information corresponding to the card issuing affiliated institution. Characterized in that made.

Referring to FIG. 29, the card company server 110 of the card issuing organization connected to the affiliate server 100 through a predetermined communication means may limit the predetermined card limit amount and the card limit amount for the affiliate card. The card limit setting unit 2685 (or card limit setting means) for setting an approval target for each card, and the card limit amount information and the approval target information for the limit on the card limit amount in the partnership card operation information. An information storage unit (2675) (or information storage means) stored in the information D / B 2690, and the affiliated server through the communication means for approval target information for each limit on the card limit amount information and the card limit amount. An information transmitting / receiving unit 2965 (or information transmitting means) for transmitting to 100 is provided.

When the affiliated card includes a credit card attribute, the card limit setting unit 2685 checks the credit level of the customer who is issued the affiliate card, and then sets a predetermined credit limit amount corresponding to the credit limit. It characterized in that it is set to.

Alternatively, when the affiliated card includes a check card / debit card attribute, the card limit setting unit 2685 checks a customer account associated with the affiliated card and sets the customer account balance as the card limit amount. It is characterized by.

According to the exemplary embodiment of the present invention, the card limit setting unit 2685 may set approval target information for each limit including at least one or more affiliate store information (or affiliate store group information) to be processed for payment through the set credit limit amount. And / or to set a limit authorization information including at least one one-time payment amount or a daily / weekly / monthly payment amount to be processed through the set credit limit amount, and / or the affiliate card is online. Limit to allow payment through the card limit amount if the payment is made through the payment channel or to pay through the card limit amount if the payment is made through the offline payment channel. It is desirable to set the approval target information.

According to another exemplary embodiment of the present invention, the approval target information for each limit may be set to first subtract the payment amount through the affiliate card from the card limit amount, regardless of the payment condition corresponding to the affiliate card, or the affiliate server ( It is possible to include information to first subtract from the usage amount registered in 100), whereby the present invention is not limited.

Thereafter, the affiliated card management information stored in the card information D / B 2690 is used by the card issuing institution to provide a payment service or various additional services in association with at least one affiliated store.

According to one embodiment of the present invention, the card information D / B 2690 is preferably provided in a DBMS on a predetermined financial system provided in the card issuing institution (or associated with the card issuing institution). The card information D / B 2690 may be a ledger D / B provided in a DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, whereby the present invention is not limited thereto. No.

According to another exemplary embodiment of the present invention, the card information D / B 2690 is an online payment system provided in the card issuing institution (or associated), and / or a WAP-based wireless payment system, and / or an IC chip. It is possible to be provided in the DBMS on at least one or more of the base wireless payment system, and / or the tele payment system, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the card information D / B 2690 is an internet banking system, and / or a telebanking system, and / or a wireless banking system provided to (or associated with) the card issuing institution. It is possible to be provided in the DBMS on at least one banking system of, and / or a TV banking system, whereby the present invention is not limited.

30 is a diagram illustrating a card registration process for issuing an affiliate card through card number rental according to an embodiment of the present invention.

More specifically, in FIG. 30, a predetermined customer creates a predetermined card registration application through a face-to-face card registration interface (for example, the card registration application, employee terminal, and network means) in the card registration system shown in FIG. When the affiliated employee submits (or selects) the card registration application information corresponding to the card registration application through a predetermined card registration terminal and transmits it to the affiliated server 100, the affiliated server ( 100 shows a process of issuing a predetermined affiliate card by renting the card number to the customer based on the card registration application information, and specifically, from the card issuing affiliate institution to the card issuing institution to the affiliate card. When requesting a predetermined card number to be allocated, the card issuing agency correspondingly rents a card. Generating a call to service by the card-issuing partners, and from the card-issuing partners shows a exemplary method for allocating the rental card number to a predetermined affiliated card.

Those skilled in the art to which the present invention pertains can refer to this drawing 30 and / or modified to infer various implementation methods for issuing the affiliate card for issuance of the affiliate card through lease of the card number. However, the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

For example, FIG. 30 illustrates that the affiliated card is produced and provided (or shipped) to the customer, and then the affiliated card issuance information is stored in the storage medium 2960. The process of storing the predetermined affiliate card issuance information in the storage medium 2960 may be performed before the affiliate card is produced or before the affiliate card is produced (or delivered) to the customer. The present invention is not limited.

Hereinafter, in FIG. 30, the card registration terminal shown in FIG. 29 is referred to as a "terminal" for convenience, and the affiliate server 100 is referred to as a "server" for convenience.

Referring to FIG. 30, in order to issue the affiliated card for issuing an affiliated card through lease of the card number, the customer is prescribed through a face-to-face card registration interface (eg, the card registration application, employee terminal, and network means). When a card registration application (for example, a document having a form for filling in at least one information item for issuance of an affiliate card through lease of the card number) is completed and submitted to an affiliated employee, the terminal is connected by the affiliated employee. The card registration application information corresponding to the card registration application prepared by the customer is input (or selected) through a predetermined user interface (3000), and the card registration application information is transmitted to the server through the network means (3005). .

According to an embodiment of the present invention, the card registration application information includes customer information of the card registration customer and at least one or more kinds of card attribute information for setting card attributes for the affiliated card.

Here, the customer information is personal information of the card registered customer (for example, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.), and the customer has subscribed to the affiliate server 100. It is preferable to include at least one member information (eg, member ID information).

In addition, the customer wireless terminal information is unique information of the customer wireless terminal equipped with a wireless IC chip capable of recording a card applet (or IC chip storage information) (for example, wireless terminal telephone number, address information, or identification information, Or at least one of ID information, etc.), and a card applet corresponding to the affiliate card by a wireless terminal corresponding to the customer wireless terminal information for issuing a predetermined affiliate card through the card number rental. Or IC chip storage information).

Further, the card attribute information for the affiliate card may be assigned to a credit card attribute, a check card attribute, a debit card attribute, a cash card attribute, or a prepaid card firing. It is preferable that the at least one attribute setting information for granting a.

For example, when assigning a credit card attribute to the affiliate card, the card attribute information may include credit inquiry consent information for issuing the affiliate card, and assigns a check card / debit card / cash card attribute to the affiliate card. In the case of granting, the card attribute information may include customer account information associated with the affiliate card. When the prepaid card attribute is assigned to the affiliate card, the card attribute information may be set to the affiliate card. It may include a prepaid card charging information for charging.

According to another embodiment of the present invention, when the card attribute is fixed by the card issuing affiliate (or card issuing authority) or is set in a policy, the card attribute information may be omitted, thereby limiting the present invention. Not.

Thereafter, the server receives and reads the card registration request information from the terminal through the network means and issues the affiliated card through leasing the card number to the customer based on the customer information included in the card registration request information. The card registration validity for issuing the affiliate card is verified (3010).

According to the implementation method of the present invention, the validity confirmation for issuing the alliance card to the customer, based on the customer name and resident registration number included in the customer information, a predetermined real name verification server (not shown) It is preferable to include a) to confirm the real name of the customer in conjunction with).

In addition, when the affiliated card includes a credit card attribute, the validity check for issuing the affiliated card to the customer is based on a predetermined communication means based on the customer information. It is preferable to include the check the credit information of the customer in conjunction with).

In addition, when the affiliate card includes a check card / debit card attribute, the validity check for issuing the affiliate card to the customer is performed based on the customer information. It is preferable that the customer account associated with the card is formed in connection with a financial institution server (not shown) opened and confirming whether the customer account is opened and normally operated.

In addition, validity confirmation for issuing the alliance card to the customer includes subscriber management means (for example, subscriber information D / B (not shown) and subscription management server (not shown)) on the wireless communication network corresponding to the customer wireless terminal information. Etc.), it is preferable to include checking whether the customer wireless terminal information is valid.

If the validity to issue the affiliate card to the customer is not authenticated through the card registration application information (3015), the server provides card registration error information to the customer through the card registration interface (3020). Stop issuing the affiliate card to the customer.

On the other hand, if the validity for issuing the affiliate card to the customer is authenticated through the card registration application information (3015), the server sends the card to the card company server 110 based on the card registration application information through the communication means. Sending the number request information (3025), and correspondingly, the card company server 110 generates a predetermined card number to be leased to the card issuing affiliate institution, and the predetermined card verification value corresponding to the generated card number ( Or after generating the verification code (3030), and transmits the generated card number and the card verification value (or verification code) to the server through the communication means (3035).

According to another exemplary embodiment of the present invention, the card company server 110 generates the rental card number in response to the card number request information and transmits the rental card number to the server, and then a predetermined card corresponding to the card number from the server. When the verification value (or verification code) request information is received, a predetermined card verification value (or verification code) corresponding to the card number may be generated and transmitted to the server, and the present invention is not limited thereto.

When the card number and the card verification value (or verification code) are received from the card company server 110 as described above, the server receives predetermined affiliate card information including the affiliate card number and the card verification value (or verification code). Create (3040).

Here, the affiliated card information may include a card number (eg, 16-digit card number) corresponding to the affiliated card, the received card verification value (or verification code), expiration date information (some may be omitted), and card issuer information ( Or code).

For example, the card number (although some exceptions exist) preferably includes a four-digit card issuing organization number, a two-digit card type number, a nine-digit serial number, and a check digit.

The expiration date information is preferably made to include the period (or expiration date and time) that can be used for the affiliate card, it may be omitted if the expiration date does not exist in the affiliate card, thereby the present invention is not limited .

The card issuing organization information (or code) preferably comprises at least one or more unique numbers (or unique codes) assigned to the card issuing organization (or financial company) that issues the affiliate card to the customer.

Thereafter, the server sets usage amount information including a predetermined limit amount assigned to the affiliate card by the card issuing affiliate institution and approval target information for each limit on the usage amount (3045).

According to the implementation method of the present invention, the server preferably sets a certain amount of money to be used by the card issuing affiliate to the affiliated card according to the utilization policy of the card issuing affiliate.

Alternatively, the server may set the predetermined amount in consideration of the customer grade set by the card issuing affiliate institution or the loyalty of the customer to the card issuing affiliate institution based on the customer information included in the card registration application information. It is preferable that the card issuance affiliated institution set the usage amount to be assigned to the affiliated card.

Alternatively, the server checks the credit rating of the customer in connection with at least one credit rating server (not shown) based on the customer information included in the card registration application information, and then, the server determines a predetermined amount of money corresponding to the credit rating. It is preferable that the card issuance affiliated institution set the usage amount to be assigned to the affiliated card.

Alternatively, the server checks the account balance of the customer in connection with at least one financial company server (not shown) based on the customer information included in the card registration application information, and then sets a predetermined amount of money corresponding to the account balance. It is preferable that the card issuance affiliated institution set the usage amount to be assigned to the affiliated card.

Or, the server requests the credit limit amount information of the customer to the card company server 110 provided in the card issuing agency based on the customer information included in the card registration application information, and the credit limit amount to be confirmed It is preferable to set the corresponding fixed amount of money to the utilization amount that the card issuing affiliate institution gives to the affiliate card.

Those skilled in the art to which the present invention pertains, in addition to the usage setting method described above, it is possible to infer various implementation methods in which the card issuing affiliate institution gives a predetermined usage amount to the affiliate card. It is preferable that the invention includes all the methods of inferring the above.

According to an exemplary embodiment of the present invention, the server sets approval target information for each limit including at least one or more affiliate store information (or affiliate store group information) to be processed for payment through the set utilization amount, and / or the set Set up a per-approval target information that includes at least one one-time payment, or at least one daily / weekly / monthly payment amount through a usage amount; and / or the affiliate card pays through an online payment channel If the payment is processed through the utilization amount, or if the payment process through the offline payment channel, the approval target information for each limit to allow the payment amount to be processed through the utilization amount. It is preferable to set.

According to another exemplary embodiment of the present invention, the approval target information for each limit may include information for first subtracting the payment amount through the affiliate card from the usage amount regardless of the payment condition corresponding to the affiliate card. It is possible, and the invention is not limited thereby.

If the utilization amount information for the affiliate card and the authorization target information for each limit on the utilization amount are set (3050), the server generates a predetermined card applet including the generated (or extracted) affiliate card information ( Or IC chip storage information) (3055), and the generated card applet (or IC chip storage information) is transferred to the customer wireless terminal through a wireless communication network corresponding to the customer wireless terminal information included in the card registration application information. Send (3060).

Here, the card applet (or IC chip storage information) preferably includes a file structure recorded on a wireless IC chip provided in the customer wireless terminal and operable on a chip operating system (COS) on the wireless IC chip. Do.

According to an embodiment of the present invention, the server reads the customer wireless terminal information included in the card registration request information to identify a wireless communication network corresponding to the customer wireless terminal information, and a predetermined applet providing server connected to the wireless communication network. It is desirable to transmit the generated card applet (or IC chip storage information) to the customer wireless terminal through 2955.

Those skilled in the art to which the present invention pertains, various methods of transmitting the card applet (or IC chip storage information) from the applet providing server (2955) to the customer wireless terminal (for example, wireless messages and The card applet (or IC chip storage information) transmission using the callback URL) may be inferred, but the present invention is characterized by including all implementation methods inferred.

Thereafter, the customer wireless terminal records the received card applet (or IC chip storage information) on a wireless IC chip provided in the corresponding wireless terminal, thereby issuing an affiliate card corresponding to the card applet (or IC chip storage information). (3065).

Thereafter, the server issuing an affiliate card including at least one of customer information included in the card registration application information provided from the customer through the card registration interface, the generated affiliate card information, and card attribute information of the affiliate card. Information is stored in the storage medium 2960 (3070).

Here, the customer information included in the affiliated card issuance information includes personal information of the card registered customer (for example, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.), and the customer It is preferable to include at least one member information (for example, member ID information) subscribed to the affiliate server 100.

In addition, the card attribute information included in the affiliate card issuance information may be assigned to a credit card attribute, a check card attribute, a debit card attribute, a cash card attribute, or prepaid. At least one attribute setting information for imparting card firing is preferably included.

For example, when assigning a credit card attribute to the affiliate card, the card attribute information includes various attribute information (eg, credit limit, etc.) for use in payment through a credit card payment system for issuing the affiliate card. When the check card / debit card / cash card attribute is given to the affiliate card, the card attribute information may include customer account information associated with the affiliate card, and the prepaid card attribute is added to the affiliate card. In the case of granting, the card attribute information may include information on the amount of charge charged in the affiliate card.

Those skilled in the art will be able to infer various technical configurations of the card attribute information, so a detailed description thereof will be omitted.

In addition, the utilization amount information for the affiliated card is preferably made to include a predetermined amount of the limit given to the affiliated card by the card issuing affiliated institution, and then a part (or all) of the utilization amount is the card. It is preferable to deposit in the form of a customer allowance from the issuing affiliate institution to the card issuer.

According to an exemplary embodiment of the present invention, the approval target information for each limit includes at least one merchant information (or merchant group information), payment amount information, online / offline payment channel information, etc. to be paid and processed through the utilization amount. It is preferable to comprise at least one or more.

According to another exemplary embodiment of the present invention, the approval target information for each limit may include information for first subtracting the payment amount through the affiliate card from the usage amount regardless of the payment condition corresponding to the affiliate card. It is possible, and the invention is not limited thereby.

Thereafter, the server issues the at least one affiliate card including at least one of customer information corresponding to the affiliate card, card information, and card attribute information to the card company server 110 through the communication means. In operation 3075, the card company server 110 stores the affiliate card operation information further including the card issuing affiliate information in the affiliate card issuing information in a predetermined card information D / B 2690 ( 3080).

In addition, the card company server 110 sets predetermined credit limit amount information for the affiliated card and approval target information for each limit on the credit limit amount (3085).

According to an embodiment of the present invention, when the affiliate card includes a credit card attribute, the card company server 110 checks the credit rating of the customer who is issued the affiliate card, and then predetermined credit limit corresponding to the customer credit rating. It is preferable to set the amount of money to the card limit amount of money.

According to another embodiment of the present invention, when the affiliate card includes a check card / debit card attribute, the card company server 110 checks the customer account associated with the affiliate card, and stores the customer account balance on the card. It is preferable to set the limit amount.

In addition, the card company server 110 sets the permissible information for each limit including at least one or more merchant information (or merchant group information) to be settled through the set credit limit amount, and / or the set credit limit. Setting a per-approval target information that includes at least one payment amount per day or at least one daily / weekly / monthly payment amount, and / or when the affiliate card is processed through an online payment channel. It is recommended to set the subject-specific authorization information to allow the payment amount to be processed through the card limit amount or to process the payment amount through the card limit amount when the payment amount is processed through the offline payment channel. desirable.

According to another exemplary embodiment of the present invention, the card company server 110 allows the approval target information for each limit to be first subtracted from the card limit amount of the payment amount through the affiliate card regardless of the payment condition corresponding to the affiliate card. Or, it may be made to include information to first subtract from the usage amount registered in the affiliate server 100, whereby the present invention is not limited.

If the predetermined card limit amount information for the affiliated card and the approval target information for each limit on the card limit amount are set (3090), the card company server 110 may determine the card limit amount information and the card limit amount. The authorization target information for each limit is included in the affiliate card operation information and stored in the card information D / B 2690 (3095).

According to one embodiment of the present invention, the card information D / B 2690 is preferably provided in a DBMS on a predetermined financial system provided in the card issuing institution (or associated with the card issuing institution). The card information D / B 2690 may be a ledger D / B provided in a DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, whereby the present invention is not limited thereto. No.

According to another exemplary embodiment of the present invention, the card information D / B 2690 is an online payment system provided in the card issuing institution (or associated), and / or a WAP-based wireless payment system, and / or an IC chip. It is possible to be provided in the DBMS on at least one or more of the base wireless payment system, and / or the tele payment system, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the card information D / B 2690 is an internet banking system, and / or a telebanking system, and / or a wireless banking system provided to (or associated with) the card issuing institution. It is possible to be provided in the DBMS on at least one banking system of, and / or a TV banking system, whereby the present invention is not limited.

Thereafter, the card company server 110 transmits the set card limit amount information and the approval target information for each limit on the card limit amount to the server through the communication means (3097). The affiliated card issuance information stored in the storage medium 2960 further includes the card limit amount information and the limit target approval information for the card limit amount (3099).

31 is a diagram illustrating a card registration process for issuing an affiliate card through card number rental according to another embodiment of the present invention.

More specifically, Figure 31 shows a non-face-to-face card registration interface (e.g., client terminal and network means including at least one wired terminal and / or wireless terminal) in a card registration system shown in Figure 29. When accessing the affiliate server 100 through the input (or select) the predetermined card registration application information and transmits, the affiliate server 100 leases the card number to the customer based on the card registration application information As a process of issuing a predetermined affiliate card through a card, specifically, when the card issuing agency requests a predetermined card number to be assigned to the affiliated card from the card issuing institution, the card issuing institution rents the card. Generate a card number and provide it to the card issuing affiliate institution. Is a number, the rental card showing the exemplary method of allocating a given affiliated card.

Those skilled in the art to which the present invention pertains can deduce various implementation methods for issuing the alliance card for issuing the alliance card through lease of the card number by referring to and / or modifying the drawing 31. However, the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

For example, FIG. 31 illustrates that the affiliated card is produced and provided (or delivered) to the customer, and then the affiliated card issuance information is stored in the storage medium 2960. The process of storing the predetermined affiliate card issuance information in the storage medium 2960 may be performed before the affiliate card is produced or before the affiliate card is produced (or delivered) to the customer. The present invention is not limited.

Hereinafter, in FIG. 31, the card registration terminal shown in FIG. 29 is called "terminal" for convenience, and the affiliate server 100 is called "server" for convenience.

Referring to FIG. 31, the customer accesses the server through a predetermined terminal to connect a communication channel for card registration application, and the affiliate card for issuing an affiliate card through leasing the card number through the communication channel. In response to the issuance (3100), the server generates (or extracts) a user interface for issuing the alliance card and provides it to the terminal through the communication channel (3105).

Thereafter, the terminal receives (or selects) the card registration request information through the user interface and transmits the input (or select) the card registration request information to the server through the communication channel (3110).

According to an embodiment of the present invention, the card registration application information includes customer information of the card registration customer and at least one or more kinds of card attribute information for setting card attributes for the affiliated card.

Here, the customer information is personal information of the card registered customer (for example, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.), and the customer has subscribed to the affiliate server 100. It is preferable to include at least one member information (eg, member ID information).

In addition, the customer wireless terminal information is unique information of the customer wireless terminal equipped with a wireless IC chip capable of recording a card applet (or IC chip storage information) (for example, wireless terminal telephone number, address information, or identification information, Or at least one of ID information, etc.), and a card applet corresponding to the affiliate card by a wireless terminal corresponding to the customer wireless terminal information for issuing a predetermined affiliate card through the card number rental. Or IC chip storage information).

Further, the card attribute information for the affiliate card may be assigned to a credit card attribute, a check card attribute, a debit card attribute, a cash card attribute, or a prepaid card firing. It is preferable to include at least one or more attribute setting information to be provided.

For example, when assigning a credit card attribute to the affiliate card, the card attribute information may include credit inquiry consent information for issuing the affiliate card, and assigns a check card / debit card / cash card attribute to the affiliate card. In the case of granting, the card attribute information may include customer account information associated with the affiliate card. When the prepaid card attribute is assigned to the affiliate card, the card attribute information may be set to the affiliate card. It may include a prepaid card charging information for charging.

According to another embodiment of the present invention, when the card attribute is fixed by the card issuing affiliate (or card issuing authority) or is set in a policy, the card attribute information may be omitted, thereby limiting the present invention. Not.

Thereafter, the server receives and reads the card registration request information from the terminal through the network means, and issues an affiliated card through leasing the card number to the customer based on the customer information included in the card registration request information. The card registration validity for issuing the affiliate card is verified (3115).

According to the implementation method of the present invention, the validity confirmation for issuing the alliance card to the customer, based on the customer name and resident registration number included in the customer information, a predetermined real name verification server (not shown) It is preferable to include a) to confirm the real name of the customer in conjunction with).

In addition, when the affiliated card includes a credit card attribute, the validity check for issuing the affiliated card to the customer is based on a predetermined communication means based on the customer information. It is preferable to include the check the credit information of the customer in conjunction with).

In addition, when the affiliate card includes a check card / debit card attribute, the validity check for issuing the affiliate card to the customer is performed based on the customer information. It is preferable that the customer account associated with the card is formed in connection with a financial institution server (not shown) opened and confirming whether the customer account is opened and normally operated.

In addition, validity confirmation for issuing the alliance card to the customer includes subscriber management means (for example, subscriber information D / B (not shown) and subscription management server (not shown)) on the wireless communication network corresponding to the customer wireless terminal information. Etc.), it is preferable to include checking whether the customer wireless terminal information is valid.

If the validity to issue the affiliate card to the customer is not authenticated through the card registration application information (3120), the server provides card registration error information to the customer through the card registration interface (3125). Stop issuing the affiliate card to the customer.

On the other hand, if the validity to issue the affiliate card to the customer through the card registration application information is authenticated (3120), the server to the card company server 110 based on the card registration application information through the communication means Sending the number request information (3130), and correspondingly, the card company server 110 generates a predetermined card number to be leased to the card issuing affiliate institution, and a predetermined card verification value corresponding to the generated card number ( Or a verification code) (3135), and transmits the generated card number and the card verification value (or verification code) to the server through the communication means (3140).

According to another exemplary embodiment of the present invention, the card company server 110 generates the rental card number in response to the card number request information and transmits the rental card number to the server, and then a predetermined card corresponding to the card number from the server. When the verification value (or verification code) request information is received, a predetermined card verification value (or verification code) corresponding to the card number may be generated and transmitted to the server, and the present invention is not limited thereto.

When the card number and the card verification value (or verification code) are received from the card company server 110 as described above, the server receives predetermined affiliate card information including the affiliate card number and the card verification value (or verification code). Create (3145).

Here, the affiliated card information may include a card number (eg, 16-digit card number) corresponding to the affiliated card, the received card verification value (or verification code), expiration date information (some may be omitted), and card issuer information ( Or code).

For example, the card number (although some exceptions exist) preferably includes a four-digit card issuing organization number, a two-digit card type number, a nine-digit serial number, and a check digit.

The validity period information is preferably made to include the period (or expiration date and time) that can use the affiliate card, it may be omitted if there is no valid period in the affiliate card, thereby limiting the present invention No.

The card issuing organization information (or code) preferably comprises at least one or more unique numbers (or unique codes) assigned to the card issuing organization (or financial company) that issues the affiliate card to the customer.

Thereafter, the server sets usage amount information including a predetermined limit amount assigned to the affiliate card by the card issuing affiliate institution and approval target information for each limit on the usage amount (3150).

According to the implementation method of the present invention, the server preferably sets a certain amount of money to be used by the card issuing affiliate to the affiliated card according to the utilization policy of the card issuing affiliate.

Alternatively, the server may set the predetermined amount in consideration of the customer grade set by the card issuing affiliate institution or the loyalty of the customer to the card issuing affiliate institution based on the customer information included in the card registration application information. It is preferable that the card issuance affiliated institution set the usage amount to be assigned to the affiliated card.

Alternatively, the server checks the credit rating of the customer in connection with at least one credit rating server (not shown) based on the customer information included in the card registration application information, and then, the server determines a predetermined amount of money corresponding to the credit rating. It is preferable that the card issuance affiliated institution set the usage amount to be assigned to the affiliated card.

Alternatively, the server checks the account balance of the customer in connection with at least one financial company server (not shown) based on the customer information included in the card registration application information, and then sets a predetermined amount of money corresponding to the account balance. It is preferable that the card issuance affiliated institution set the usage amount to be assigned to the affiliated card.

Or, the server requests the credit limit amount information of the customer to the card company server 110 provided in the card issuing agency based on the customer information included in the card registration application information, and the credit limit amount to be confirmed It is preferable to set the corresponding fixed amount of money to the utilization amount that the card issuing affiliate institution gives to the affiliate card.

Those skilled in the art to which the present invention pertains, in addition to the usage setting method described above, it is possible to infer various implementation methods in which the card issuing affiliate institution gives a predetermined usage amount to the affiliate card. It is preferable that the invention includes all the methods of inferring the above.

According to an exemplary embodiment of the present invention, the server sets approval target information for each limit including at least one or more affiliate store information (or affiliate store group information) to be processed for payment through the set utilization amount, and / or the set Set per-approval authorization information that includes at least one one-time payment amount, or at least one daily / weekly / monthly payment amount through a usage amount; and / or the affiliate card processes payment through an online payment channel. Set the approval target information for each limit to allow the payment amount to be processed through the utilization amount or to process the payment amount through the utilization amount when the payment is processed through the offline payment channel. It is desirable to.

According to another exemplary embodiment of the present invention, the approval target information for each limit may include information for first subtracting the payment amount through the affiliate card from the usage amount regardless of the payment condition corresponding to the affiliate card. It is possible, and the invention is not limited thereby.

If the utilization amount information for the affiliate card and the authorization target information for each limit on the utilization amount are set (3155), the server generates a predetermined card applet including the generated (or extracted) affiliate card information ( Or IC chip storage information) (3160), and the generated card applet (or IC chip storage information) is transferred to the customer wireless terminal through a wireless communication network corresponding to the customer wireless terminal information included in the card registration application information. Transmit (3165).

Here, the card applet (or IC chip storage information) preferably includes a file structure recorded on a wireless IC chip provided in the customer wireless terminal and operable on a chip operating system (COS) on the wireless IC chip.

According to an embodiment of the present invention, the server reads the customer wireless terminal information included in the card registration request information to identify a wireless communication network corresponding to the customer wireless terminal information, and a predetermined applet providing server connected to the wireless communication network. It is desirable to transmit the generated card applet (or IC chip storage information) to the customer wireless terminal through 2955.

Those skilled in the art to which the present invention pertains, various methods of transmitting the card applet (or IC chip storage information) from the applet providing server (2955) to the customer wireless terminal (for example, wireless messages and The card applet (or IC chip storage information) transmission using the callback URL) may be inferred, but the present invention is characterized by including all implementation methods inferred.

Thereafter, the customer wireless terminal records the received card applet (or IC chip storage information) on a wireless IC chip provided in the wireless terminal, thereby issuing an affiliate card corresponding to the card applet (or IC chip storage information). (3170).

Thereafter, the server issuing an affiliate card including at least one of customer information included in the card registration application information provided from the customer through the card registration interface, the generated affiliate card information, and card attribute information of the affiliate card. Information is stored in the storage medium 2960 (3175).

Here, the customer information included in the affiliated card issuance information includes personal information of the card registered customer (for example, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.), and the customer It is preferable to include at least one member information (for example, member ID information) subscribed to the affiliate server 100.

In addition, the card attribute information included in the affiliate card issuance information may be assigned to a credit card attribute, a check card attribute, a debit card attribute, a cash card attribute, or prepaid. At least one attribute setting information for imparting card firing is preferably included.

For example, when assigning a credit card attribute to the affiliate card, the card attribute information includes various attribute information (eg, credit limit, etc.) for use in payment through a credit card payment system for issuing the affiliate card. When the check card / debit card / cash card attribute is given to the affiliate card, the card attribute information may include customer account information associated with the affiliate card, and the prepaid card attribute is added to the affiliate card. In the case of granting, the card attribute information may include information on the amount of charge charged in the affiliate card.

Those skilled in the art will be able to infer various technical configurations of the card attribute information, so a detailed description thereof will be omitted.

In addition, the utilization amount information for the affiliated card is preferably made to include a predetermined amount of the limit given to the affiliated card by the card issuing affiliated institution, and then a part (or all) of the utilization amount is the card. It is preferable to deposit in the form of a customer allowance from the issuing affiliate institution to the card issuer.

According to an exemplary embodiment of the present invention, the approval target information for each limit includes at least one merchant information (or merchant group information), payment amount information, online / offline payment channel information, etc. to be paid and processed through the utilization amount. It is preferable to comprise at least one or more.

According to another exemplary embodiment of the present invention, the approval target information for each limit may include information for first subtracting the payment amount through the affiliate card from the usage amount regardless of the payment condition corresponding to the affiliate card. It is possible, and the invention is not limited thereby.

Thereafter, the server issues the at least one affiliate card including at least one of customer information corresponding to the affiliate card, card information, and card attribute information to the card company server 110 through the communication means. In operation 3180, the card company server 110 stores the affiliate card operation information further including the card issuing affiliate information in the affiliate card issuing information in a predetermined card information D / B 2690 ( 3185).

In addition, the card company server 110 sets predetermined credit limit amount information for the affiliated card and approval target information for each limit on the card limit amount (3190).

According to an embodiment of the present invention, when the affiliate card includes a credit card attribute, the card company server 110 checks the credit rating of the customer who is issued the affiliate card, and then predetermined credit limit corresponding to the customer credit rating. It is preferable to set the amount of money to the card limit amount of money.

According to another embodiment of the present invention, when the affiliate card includes a check card / debit card attribute, the card company server 110 checks the customer account associated with the affiliate card, and stores the customer account balance on the card. It is preferable to set the limit amount.

In addition, the card company server 110 sets the permissible information for each limit including at least one or more merchant information (or merchant group information) to be settled through the set credit limit amount, and / or the set credit limit. Setting a per-approval target information that includes at least one payment amount per day or at least one daily / weekly / monthly payment amount, and / or when the affiliate card is processed through an online payment channel. It is recommended to set the subject-specific authorization information to allow the payment amount to be processed through the card limit amount or to process the payment amount through the card limit amount when the payment amount is processed through the offline payment channel. desirable.

According to another exemplary embodiment of the present invention, the card company server 110 allows the approval target information for each limit to be first subtracted from the card limit amount of the payment amount through the affiliate card regardless of the payment condition corresponding to the affiliate card. Or, it may be made to include information to first subtract from the usage amount registered in the affiliate server 100, whereby the present invention is not limited.

If the predetermined card limit amount information for the affiliated card and the approval target information for each limit on the card limit amount are set (3192), the card company server 110 may determine the card limit amount information and the card limit amount. The authorization target information for each limit is included in the association card operation information and stored in the card information D / B 2690 (3194).

According to one embodiment of the present invention, the card information D / B 2690 is preferably provided in a DBMS on a predetermined financial system provided in the card issuing institution (or associated with the card issuing institution). The card information D / B 2690 may be a ledger D / B provided in a DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, whereby the present invention is not limited thereto. No.

According to another exemplary embodiment of the present invention, the card information D / B 2690 is an online payment system provided in the card issuing institution (or associated), and / or a WAP-based wireless payment system, and / or an IC chip. It is possible to be provided in the DBMS on at least one or more of the base wireless payment system, and / or the tele payment system, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the card information D / B 2690 is an internet banking system, and / or a telebanking system, and / or a wireless banking system provided to (or associated with) the card issuing institution. It is possible to be provided in the DBMS on at least one banking system of, and / or a TV banking system, whereby the present invention is not limited.

Thereafter, the card company server 110 transmits the set card limit amount information and the authorization target information for each limit on the card limit amount to the server through the communication means (3196). The affiliated card issuance information stored in the medium 2960 further includes the card limit amount information and the authorization target information for each limit on the card limit amount (3198).

32 is a diagram showing a provision deposit system for depositing a provision for an affiliated card to a card issuing agency according to an embodiment of the present invention.

More specifically, Figure 32 is a view of Figures 2 and / or 5 and / or Figure 8 and / or Figure 11 and / or Figure 14 and / or Figure 17 and / or Figure 20 and / or Figure 23 and / or Figure 26. And / or upon registration (or after registration) of a predetermined affiliate card through the card registration system shown in FIG. 29, the predetermined affiliate financial account information, allowance information, transaction authentication information and card company in the affiliate server 100 on the card registration system. When provision of reserve information request information including at least one or more financial account information (or reserve account information), the affiliated financial account information, allowance information and transaction authentication information included in the provision of the reserve request information provided by the allowance deposit system; System for providing financial transactions for depositing the allowance for the affiliated card to the card issuing institution by using the financial information of the credit card company and the card company. For those of ordinary skill in the art to which the present invention pertains, various implementations of a provision for depositing a reserve system for depositing a provision for an affiliated card to a card issuing institution by referring to and / or modifying the drawing of FIG. The method may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Hereinafter, the figures 2 and / or 5 and / or 8 and / or 11 and / or 14 and / or 17 and / or 20 and / or 23 on the allowance deposit system shown in FIG. And / or provide a financial transaction for depositing a provision for the affiliated card to a card issuing agency using the provision of deposit request information in a card issuing affiliate institution on the card registration system shown in FIGS. 26 and / or 29. Components corresponding to one or more means and / or functional configurations are referred to as " financial transaction server 3200 " for convenience, and the financial transaction server 3200 in FIG. 32 providing the face-to-face financial transaction service is at least one. It is preferable to include the account system on the financial system connected through the above terminal and predetermined communication means. Although the financial transaction server 3200 is illustrated as a ledger server between the counter terminal and the account system for convenience, the present invention is not limited thereto.

Referring to this figure 32 in accordance with the method of the present invention, the allowance deposit system for depositing the allowance for the affiliated card to the card issuing agency, the figures 2 and / or 5 and / or 8 and / or Affiliate server 100 provided in the card issuing affiliated organization on the card registration system shown in FIGS. 11 and / or 14 and / or 17 and / or 20 and / or 23 and / or 26 and / or 29 ), A financial transaction server 3200 connected to the affiliate server 100 through a predetermined communication means to process a financial transaction for depositing a provision for the affiliate card as a card issuing institution, and the affiliated financial account is opened. It is characterized by including the financial system.

The financial system that processes at least one financial transaction service through the affiliate financial account in connection with the financial transaction server 3200 may include at least one window terminal provided at a branch (and / or a branch) of the financial institution. It characterized in that the connection through the communication means (eg, our network), and provides a face-to-face financial transaction services to at least one financial transaction customer through the window terminal.

The financial system may also include at least one financial terminal including a cash dispenser / automatic teller machine (CD / ATM) provided at a branch (and / or branch) of the financial institution, and / or at least affiliated with the financial institution. At least one financial terminal provided at one or more other financial institutions (and / or other financial institution branches), and / or at least one financial terminal provided in a public place and a predetermined means of communication (e.g., a CD common network). It is characterized in that connected through, through the financial terminal provides a non-face-to-face financial transaction service for at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined Internet banking server, a network (eg, wired Internet, and / or IEEE 802.11x-based WLAN, connected to a TCP / IP-based backbone network through the Internet banking server, And / or at least one client terminal (e.g., a personal computer (PC) equipped with the wired Internet access and browsing function) and / or a laptop connected to the IEEE 802.16x-based portable Internet, etc., the wireless LAN / portable Internet A non-face-to-face financial transaction service is provided to at least one or more financial transaction customers through a laptop and / or mobile terminal equipped with access and browsing functions.

In addition, the financial system is characterized in that associated with a predetermined wireless banking server, a predetermined wireless network (eg, CDMA (Code Division Multiple Access) based mobile communication network, and / or IEEE 802.16x through the wireless banking server) At least one wireless terminal (e.g., a personal communication system (PCS) and / or a global communication system (GSM) equipped with a connection and browsing function connected to the mobile communication network) Provide a non-face-to-face financial transaction service to at least one financial transaction customer through a System for Mobile terminal and / or a Personal Digital Assistant (PDA) and / or a Smart Phone and / or Telematics). do.

In addition, the financial system is characterized in that associated with a predetermined IC chip-based wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based mobile communication network, through the IC chip-based wireless banking server, And / or at least one financial transaction customer via at least one wireless terminal (e.g., a wireless terminal with a financial IC chip) connected to the IEEE 802.16x based portable Internet and / or a DataTAC / Mobitex based wireless data communication network. IC chip-based non-face-to-face financial transaction services.

In addition, the financial system is characterized in that associated with a predetermined telebanking server, at least one or more connected to a predetermined wired voice call network (eg, Public Switched Telephone Network (PSTN)) through the telebanking server At least one wireless communication terminal (e.g., a PCS and / or GSM terminal) connected to a fixed line communication terminal (e.g., a telephone) and / or a predetermined wireless voice communication network (e.g., a code division multiple access (CDMA) based mobile communication network) And / or a smartphone or the like) to provide a non-face-to-face financial transaction service to at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined home banking server, at least one or more home appliances (eg, digital TV and / or refrigerator connected to a home network, etc.) connected to a predetermined home network through the home banking server ) Provide non-face-to-face financial transaction services to at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined TV banking server, at least one or more digital TV (for example, two-way digital TV, satellite DMB terminal) connected to a predetermined return channel (Return Channel) through the TV banking server And non-face-to-face financial transaction services to at least one financial transaction customer through a terrestrial DMB terminal).

Referring to FIG. 32, 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 / Or an external system that provides various financial transaction interfaces through at least one common network (eg, a CD common network, a financial common network), and the financial system includes interfacing between components in the financial system. Interface module corresponding to the middleware platform for providing a predetermined information, and predetermined information (eg, ledger information, and / or customer information, and / or management information required for each function in the components in the financial system) Etc.) and a DBMS (DataBase Management System) including at least one database for storing and managing the same.

In addition, the financial system is a foreign exchange module according to the intention of the skilled person and / or the type (eg, commercial bank, savings bank, trust bank) of each financial institution equipped with the financial system and the purpose and characteristics of the financial system. It is possible that at least one or more components, such as (not shown), investment finance module (not shown), international module (not shown) may be further included, and those skilled in the art to which the present invention pertains, Since you will be familiar with the technical details of the financial system, a detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

According to the present invention, the DBMS provided in the financial system is for the financial institution to open at least one financial account to at least one financial transaction customer, and to provide at least one financial transaction service based on the financial account And at least one ledger D / B for storing at least one ledger, wherein the ledger D / B is at least one ledger information for processing at least one financial transaction to be provided to the financial transaction customer by the financial institution. (Eg, customer ledger, ledger, collateral ledger, etc.) and at least one ledger additional information corresponding to each ledger information (e.g., to further refine and / or supplement each ledger's attributes / functions). And stored in a linked process, and the ledger information is the affiliated financial account. And a predetermined account ledger corresponding to the card company financial account.

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 32, the affiliate server 100, the Figure 2 and / or Figure 5 and / or Figure 8 and / or Figure 11 and / or Figure 14 and / or Figure 17 and / or Figure 20 and / or Based on the utilization value information stored in the storage medium 3230 shown in the card registration system shown in FIGS. 23 and / or 26 and / or 29, the predetermined amount to be deposited to the card issuing institution corresponding to the registered affiliated card Provision allowance confirmation unit 3240 for confirming the provisions information of the information generating unit 3245 for generating allowance deposit request information including the allowance information and the provision of the reserve request information through the predetermined communication means the financial transaction It is characterized in that it is provided with a provision depositing unit 3250 for transmitting to the server 3200 the deposits from the affiliated financial account to the credit card company financial account.

In addition, when the affiliate server 100 receives predetermined allowance deposit result information from the financial transaction server 3200, the affiliate server 100 transmits the allotted allowance deposit result information and the affiliated card information corresponding to the allowance deposit result. It is characterized in that it further comprises an information transmitting and receiving unit 3255 for transmitting to the card company server 110 through, so that the credit card company server (110) used for the affiliate card corresponding to the affiliate card information Payment processing for can be processed normally.

The allowance confirmation unit 3240 is the drawings 2 and / or 5 and / or 8 and / or 11 and / or 14 and / or 17 and / or 20 and / or 23 and / or drawing. The card issuing affiliated institution among the affiliated cards registered through the card issuing affiliated institution by confirming at least one usage value information stored in the storage medium 3230 shown in the card registration system shown in FIG. 26 and / or FIG. 29. Checks the total utilization amount information assigned to the affiliated card, and transfers a predetermined ratio (for example, the total amount or a partial amount of the total utilization amount) from the card issuing affiliate to the card issuing institution. Characterized in that the reserve to be deposited.

Alternatively, the allowance checking unit 3240 may be the drawings 2 and / or 5 and / or 8 and / or 11 and / or 14 and / or 17 and / or 20 and / or 23 and / or FIGS. Or check at least one or more utilization amount information stored in the storage medium 3230 shown in the card registration system shown in FIGS. 26 and / or 29, and a predetermined ratio (eg, each utilization amount) The total amount or partial amount of the province amount is determined by the allowance for each affiliate card to be deposited with the card issuing institution, and the allowance for each identified affiliate card is added to be deposited from the card issuing affiliate institution to the card issuing institution. Characterized by the provisions.

According to the implementation method of the present invention, the allowance ratio for the utilization amount information is determined in consultation with the card issuing affiliate and the card issuing agency within 100%, and the present invention is not limited by the specific allowance ratio.

According to another exemplary embodiment of the present invention, the allowance check unit 3240 may include the drawings 2 and / or 5 and / or 8 and / or 11 and / or 14 and / or 17 and / or 20. And / or confirm the number of affiliate cards registered in the card registration system shown in FIGS. 23 and / or 26 and / or 29, and multiply the number of affiliate cards by a certain amount of allowances per card for the card issuance affiliated card. It is possible to confirm with the allowance to be deposited with the issuing authority, and the present invention is not limited thereby.

When the allowance information to be deposited from the card issuing agency to the card issuing agency is confirmed, the information generator 3245 may include at least one of the provisions of the affiliated financial account information, the provisions information, the transaction authentication information, and the card company financial account information. And generating request information.

The affiliated financial account information is characterized by including the account number (or financial account alias, etc.) for the financial account in the name of the card issuing affiliated institution, customer information (for example, the name of the account holder, or the Customer's CIF (Customer Information File) number corresponding to the affiliated financial account, etc., financial institution information (eg, bank name, or bank code), branch information (eg, branch code), contact information (eg, the affiliated financial account) It may include at least one or more) and the name of the person responsible for opening and in charge.

The allowance information includes a financial transaction amount withdrawn from the affiliate financial account in order to deposit the allowance for the affiliate card to the card issuing institution, and the allowance is the balance deposited in the affiliate financial account. It is characterized by not exceeding.

The transaction authentication information validates at least one of confidentiality, authentication, integrity, and nonrepudiation of the financial transaction for depositing a provision for the affiliate card to a card issuer. Information to be secured, characterized in that it comprises at least one password corresponding to the affiliated financial account, or a password corresponding to the financial transaction.

In addition, the financial transaction system shown in Figure 32, characterized in that the financial transaction for depositing the allowance for the alliance card to the card issuing agency through a non-face-to-face channel, the transaction authentication information is the affiliated financial account Further comprising at least one or more security code information provided in the security card provided to the customer in the opening process, and / or further comprises an OTP code generated through the One Tome Password (OTP) generator provided to the customer It is preferable.

In addition, in the characteristic of the financial transaction system shown in Figure 32, characterized in that the financial transaction for depositing the allowance for the alliance card to the card issuing agency through a non-face-to-face channel, the transaction authentication information is the affiliate server ( 100) (or at least one or more authentication certificate information included in the IC card of the card issuing affiliated institution interlocked through an integrated circuit (IC) card reader provided in the affiliate server 100, or at least one included in the certificate) Preferably, the financial transaction request information is further encrypted based on an encryption key, or the electronic signature of the customer is attached to the financial transaction request information.

The card company financial account information is characterized by including the account number (or financial account alias, etc.) for the financial account in the name of the card issuing institution, and according to the intention of the person skilled in the art, the account holder information, finance corresponding to the card issuing institution It is preferable that the information further includes institution information (for example, bank name or bank code).

When the allowance deposit request information is generated, the allowance deposit unit 3250 transmits the allowance deposit request information to the financial transaction server 3200 through a predetermined communication means to transfer the allowance from the affiliate financial account to the card company finance. Request to deposit into an account.

The financial transaction server 3200 provided on the allowance deposit system according to the present invention is a generic term for the provision of the allowance deposit system side connected to the affiliate server 100 through a predetermined communication means, and includes at least one server ( Or an apparatus) and / or at least one or more programs recorded on a recording medium provided in a predetermined server (or apparatus), and the present invention is not limited thereto.

According to an embodiment of the present invention, the financial transaction server 3200 is a ledger server provided on a financial system connected to the teller terminal through a predetermined communication means, and / or a server provided on an external system on the financial system. (Or a device), and / or a program included in the external world on the financial system, and the present invention is not limited thereto.

According to the method of the present invention, the financial transaction server 3200 is characterized by comprising an interface unit 3205 for connecting and managing a predetermined communication channel with the affiliate server 100 through the communication means. .

According to an embodiment of the present invention, the interface unit 3205 connects the window terminal to a predetermined communication channel based on the protocol stack defined in the communication means, and defines the financial transaction related program provided in the window terminal. It is desirable to provide a communication interface for transmitting and receiving at least one or more information (or data) using the established communication protocol.

Referring to FIG. 32, the financial transaction server 3200 includes at least one of the affiliate financial account information, the allowance information, the transaction authentication information, and the credit card financial account information transmitted from the affiliate server 100 through the communication means. An information receiving unit 3210 which receives the reserve provision request information in association with the interface unit 3205, and the affiliated financial account information, the allowance information, the transaction authentication information, and the credit card company finance included in the received reserve request information; A validity checking unit 3220 for checking the validity of the account information, and a financial transaction for depositing the allowance for the affiliated card to a card issuing agency based on the allowance deposit request information verified in association with the financial system; The affiliated card in association with the financial transaction processing unit 3225 and the financial transaction processing unit 3225 Generates provision information for the provision of the reserve for the financial transaction for depositing the allowance for the card issuance agency, and transmits the information to the partner server 100 to transmit the provisions deposit result information in connection with the interface unit 3205 It is characterized by comprising a part 3215.

The affiliate server 100 generates allowance deposit request information including at least one of the affiliate financial account information, the allowance information, the transaction authentication information, and the card company financial account information to the financial transaction server 3200 through the communication means. Characterized in that the transmission.

The information receiving unit 3210 generates a reserve deposit request information including at least one or more of the affiliated financial account information, the allowance information, the transaction authentication information, and the card company financial account information from the affiliate server 100 and transmits it through the communication means. In this case, the provision of the reserve request information is received in conjunction with the interface unit 3205, and provides the received reserve request information to the validity check unit 3220.

The validity confirming unit 3220 may verify whether the provision for deposit request information received from the affiliate server 100 satisfies the validity for depositing a provision for the affiliate card with the card issuer.

According to an embodiment of the present invention, the validity of the provision of the reserve request information may be determined by the account ledger (or the account ledger for the financial account corresponding to the affiliated financial account information included in the provision of the reserve request information in the ledger D / B on the financial system). And checking whether the customer ledger corresponding to the affiliated financial account is provided, and when the account ledger (or the customer ledger corresponding to the affiliated financial account) is provided, It is desirable that the validity be authenticated.

In addition, the validity check for the provision of the reserve request information is the amount deposited in the affiliated financial account (for example, the account ledger provided in the ledger D / B on the financial system corresponding to the affiliated financial account) the provision of the reserve request information It is preferable to include whether to include more than the allowance included in, and if the balance of the affiliate financial account is more than the allowance, it is preferable that the validity of the allowance deposit request information is authenticated.

In addition, the validation of the reserve request information is confirmed in the account ledger provided in the ledger D / B on the financial system in response to various passwords corresponding to the transaction authentication information included in the reserve request information and the affiliated financial account And comparing and verifying various passwords corresponding to the transaction authentication information, and comparing various passwords corresponding to the transaction authentication information. It is desirable that the validity of the reserve deposit request information is authenticated.

In addition, the validity check on the provision of the reserve request information, if the security code information or OTP code is further included in the reserve request information, security code information or matching the OTP code or security code information included in the provision request information or And extracting (or generating) and comparing the OTP code, and checking whether the security code information or the OTP code is matched, and validity of the provision deposit request information is authenticated.

In addition, the validity check on the provision of the reserve request information is preferably made, if the provision of the reserve request information is encrypted, including decrypting the encrypted provision of reserve request information.

In addition, the validity check on the provision of the reserve request information is preferably made to include checking the electronic signature of the card issuing affiliate institution when the provision of the reserve request information includes the electronic signature of the card issuing affiliate.

When the validity of the allowance deposit request information is confirmed, the financial transaction processing unit 3225 is linked with a financial system equipped with an account ledger corresponding to the affiliated financial account and the partner financial account information included in the allowance deposit request information; A financial transaction for depositing a provision for the affiliated card as a card issuing agency is based on provisions information, transaction authentication information and credit card financial account information.

According to an embodiment of the present invention, the financial transaction processing unit 3225 processes a withdrawal amount corresponding to the allowance information from the account ledger corresponding to the affiliated financial account information included in the allowance deposit request information in association with the financial system. And, it is preferable to transfer the withdrawn money to a financial account corresponding to the card company financial account information included in the provision of the reserve request information.

When the financial transaction for depositing the allowance for the affiliate card to the card issuing agency is processed by the financial transaction processor 3225, the information transmission unit 3215 is linked to the affiliated card in cooperation with the financial transaction processor 3225. Generate a financial transaction processing history including any of financial transaction approval details or financial transaction error details for a financial transaction for depositing a provision for a card issuance agency, and process the financial transaction in connection with the interface unit 3205; Appropriation deposit result information including the details characterized in that for transmitting to the affiliate server 100 through the communication means.

Here, the transaction details of the financial transaction is characterized in that it comprises the affiliated financial account information, provisions information and the card company financial account information, characterized in that it further comprises an authorization code (or error code) for the financial transaction. It is done.

The allowance deposit result information may include a protocol structure for transmitting the generated financial transaction processing history to the affiliate server 100 through the communication means.

33 is a diagram illustrating a process of processing a financial transaction for depositing a provision for an affiliated card to a card issuing agency according to an embodiment of the present invention.

In more detail, Figure 33 shows the Figures 2 and / or 5 and / or Figure 8 and / or Figure 11 and / or Figure 14 and / or Figure 17 and / or Figure 20 and / or Figure 23 and / or Figure 26 And / or upon registration (or after registration) of a predetermined affiliate card through the card registration system shown in FIG. 29, the predetermined affiliate financial account information, allowance information and transaction authentication information in the affiliate server 100 shown in FIG. And provision of reserve request information including at least one card company financial account information to the financial transaction server 3200, the affiliated financial account information and the provisions included in the provision of the reserve request information provided by the financial transaction server 3200; The present invention relates to a process of providing a financial transaction for depositing a provision for the affiliated card to a card issuing institution using information, transaction authentication information, and credit card financial account information. Those skilled in the art may refer to and / or modify this drawing 33 to infer various implementation methods for the process of processing a financial transaction depositing a provision for the affiliated card as a card issuer. As will be appreciated, the present invention includes all implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

Referring to FIG. 33, the affiliate server 100 shown in FIG. 32 is the above-described FIG. 2 and / or 5 and / or 8 and / or 11 and / or 14 and / or 17 and / or FIG. 20 and / or the affiliated card system shown in FIGS. 23 and / or 26 and / or 29 associated with a storage medium 3230 for storing affiliate card issuance information corresponding to at least one affiliate card registered. Check the provision information corresponding to the card (3300).

According to one embodiment of the invention, the affiliate server 100 is the Figure 2 and / or Figure 5 and / or Figure 8 and / or Figure 11 and / or Figure 14 and / or Figure 17 and / or Figure 20 and And / or by confirming at least one usage value information stored in the storage medium 3230 shown in the card registration system shown in FIGS. 23 and / or 26 and / or 29, the card issuing agency Check the total utilization amount information assigned to the affiliate card by the card issuing affiliate institution among the alliance cards, and determine a certain ratio (eg, the total amount or partial amount of the total utilization amount) of the total utilization amount. It is characterized in that the issuance of affiliates to check the allowance to be deposited to the card issuing agency.

According to another exemplary embodiment of the present invention, the affiliate server 100 may include the drawings 2 and / or 5 and / or 8 and / or 11 and / or 14 and / or 17 and / or 20. And / or confirm at least one utilization amount information stored in the storage medium 3230 shown in the card registration system shown in FIGS. 23 and / or 26 and / or 29, and A certain ratio (e.g., the total amount or partial amount of each utilization amount) is confirmed as the allowance for each affiliate card to be deposited with the card issuing institution, and the allowance for each confirmed affiliate card is added to the card issuing affiliate institution. In the card issuance agency is characterized in that the reserve to be deposited.

Here, the allowance ratio for the utilization amount information is determined in consultation with the card issuing affiliate and the card issuing agency within 100%, and the present invention is not limited by the specific allowance ratio.

According to another exemplary embodiment of the present invention, the affiliate server 100 may include the drawings 2 and / or 5 and / or 8 and / or 11 and / or 14 and / or 17 and / or 20 and Check the number of affiliate cards registered in the card registration system shown in FIGS. 23 and / or 26 and / or 29, and multiply the number of affiliate cards by a certain amount of allowances per card. It is possible to identify with the allowance to be deposited by the institution, thereby the present invention is not limited.

Thereafter, the affiliate server 100 generates predetermined allowance deposit request information including the confirmed allowance information (3305).

According to the method of the present invention, the provision of the reserve request information preferably comprises at least one or more of the affiliate financial account information, provisions information, transaction authentication information and card company financial account information.

Here, the affiliated financial account information is characterized by including the account number (or financial account alias, etc.) for the financial account in the name of the card issuing affiliate institution, customer information (for example, the name of the account holder, Or a customer information file (CIF) number of a customer corresponding to the affiliate financial account), financial institution information (eg, bank name, or bank code), branch information (eg, branch code), contact information (eg, the affiliate company) Name of the person in charge of opening and in charge of the financial account, a person in charge code, etc.).

The allowance information includes a financial transaction amount withdrawn from the affiliate financial account in order to deposit the allowance for the affiliate card to the card issuing institution, and the allowance is the balance deposited in the affiliate financial account. It is characterized by not exceeding.

The transaction authentication information validates at least one of confidentiality, authentication, integrity, and nonrepudiation of the financial transaction for depositing a provision for the affiliate card to a card issuer. Information to be secured, characterized in that it comprises at least one password corresponding to the affiliated financial account, or a password corresponding to the financial transaction.

In addition, the financial transaction system shown in Figure 32, characterized in that the financial transaction for depositing the allowance for the alliance card to the card issuing agency through a non-face-to-face channel, the transaction authentication information is the affiliated financial account Further comprising at least one or more security code information provided in the security card provided to the customer in the opening process, and / or further comprising an OTP code generated through the One Tome Password (OTP) generator provided to the customer It is preferable to make.

In addition, in the characteristic of the financial transaction system shown in Figure 32, characterized in that the financial transaction for depositing the allowance for the alliance card to the card issuing agency through a non-face-to-face channel, the transaction authentication information is the affiliate server ( 100) (or at least one or more authentication certificate information included in the IC card of the card issuing affiliated institution interlocked through an integrated circuit (IC) card reader provided in the affiliate server 100, or at least one included in the certificate) Preferably, the method further comprises encrypting the financial transaction request information based on an encryption key or attaching the electronic signature of the customer to the financial transaction request information.

The card company financial account information is characterized by including the account number (or financial account alias, etc.) for the financial account in the name of the card issuing institution, and according to the intention of the person skilled in the art, the account holder information, finance corresponding to the card issuing institution It is preferable that the information further includes institution information (for example, bank name or bank code).

If the provision of reserve information is normally generated (3310), the affiliate server 100 includes at least one of the provision of the affiliated financial account information, provisions information, transaction authentication information and card company financial account information through the communication means; The request information is transmitted to the financial transaction server 3200 (3315).

Thereafter, the financial transaction server 3200 receives and reads allowance deposit request information including at least one of the affiliated financial account information, the allowance information, the transaction authentication information, and the card company financial account information through the communication means. The validity of the request information is checked (3320).

According to an embodiment of the present invention, the validity of the provision of the reserve request information may be determined by the account ledger (or the account ledger for the financial account corresponding to the affiliated financial account information included in the provision of the reserve request information in the ledger D / B on the financial system). And checking whether the customer ledger corresponding to the affiliated financial account is provided, and when the account ledger (or the customer ledger corresponding to the affiliated financial account) is provided, It is desirable that the validity be authenticated.

In addition, the validity check for the provision of the reserve request information is the amount deposited in the affiliated financial account (for example, the account ledger provided in the ledger D / B on the financial system corresponding to the affiliated financial account) the provision of the reserve request information It is preferable to include whether to include more than the allowance included in, and if the balance of the affiliated financial account is more than the allowance, it is preferable that the validity of the allowance deposit request information is authenticated.

In addition, the validation of the reserve request information is confirmed in the account ledger provided in the ledger D / B on the financial system in response to various passwords corresponding to the transaction authentication information included in the reserve request information and the affiliated financial account And comparing and verifying various passwords corresponding to the transaction authentication information, and comparing various passwords corresponding to the transaction authentication information. It is desirable that the validity of the reserve deposit request information is authenticated.

In addition, the validity check on the provision of the reserve request information, if the security code information or OTP code is further included in the reserve request information, security code information or matching the OTP code or security code information included in the provision request information or And extracting (or generating) and comparing the OTP code, and checking whether the security code information or the OTP code is matched, and validity of the provision deposit request information is authenticated.

In addition, the validity check on the provision of the reserve request information is preferably made, if the provision of the reserve request information is encrypted, including decrypting the encrypted provision of reserve request information.

In addition, the validity check on the provision of the reserve request information is preferably made to include checking the electronic signature of the card issuing affiliate institution when the provision of the reserve request information includes the electronic signature of the card issuing affiliate.

If the validity of the allowance deposit request information is not authenticated (3325), the financial transaction server 3200 generates a financial transaction processing history including predetermined financial transaction error information corresponding to the validity error information (3330). ), The provisions deposit result information including the financial transaction processing history is transmitted to the affiliate server 100 (3350) through the communication means, and in response thereto, the affiliate server 100 transmits the provisions deposit result information; The card company transmits to the server 110 (3355).

On the other hand, if the validity of the provision of the reserve request information is authenticated (3325), the financial transaction server 3200 is affiliated with the provision of the reserve request information in connection with a financial system equipped with an account ledger corresponding to the affiliated financial account Based on the financial account information, the provisions information, the transaction authentication information and the card company financial account information to process the financial transaction for depositing the allowance for the affiliated card to the card issuer (3335).

According to an embodiment of the present invention, the financial transaction server 3200 processes the withdrawal amount corresponding to the allowance information from the account ledger corresponding to the affiliated financial account information included in the allowance deposit request information in association with the financial system. And, it is preferable to transfer the withdrawn money to a financial account corresponding to the card company financial account information included in the provision of the reserve request information.

If the financial transaction corresponding to the allowance deposit request information is processed (3340), the server generates a financial transaction processing history including any one of predetermined financial transaction approval information or financial transaction error information according to the financial transaction processing result. In operation 3345, the allowance deposit result information including the financial transaction processing history is transmitted to the affiliate server 100 through the communication means (3350), and in response thereto, the affiliate server 100 transmits the allowance deposit result. Information and the affiliate card information corresponding to the allowance deposit result are transmitted to the card company server 110 (3355), whereby the card company server 110 uses the amount of money for the affiliate card corresponding to the affiliate card information. Payment processing can be processed normally.

34 illustrates a provision management system for adjusting a provision for an affiliated card according to an embodiment of the present invention.

More specifically, Figure 34 shows Figure 2 and / or Figure 5 and / or Figure 8 and / or Figure 11 and / or Figure 14 and / or Figure 17 and / or Figure 20 and / or Figure 23 and / or Figure 26 And / or upon registration (or after registration) of a predetermined affiliate card through the card registration system shown in FIG. 29, after depositing a predetermined allowance corresponding to the utilization amount in the affiliate server 100 to the card issuing institution. When the affiliate server 100 checks whether the utilization is adjusted by referring to the transaction history corresponding to the online payment channel and / or the offline payment channel using the affiliate card, and when the utilization is adjusted, A system configuration for providing a financial transaction for depositing a provision corresponding to the renewed utilization amount to the card issuing institution, which is generally in the technical field to which the present invention pertains. Those skilled in the art may refer to and / or modify this drawing 34 to infer various implementation methods for the provision of a provision deposit system for depositing a provision for an affiliated card to a card issuing agency. The present invention includes all implementation methods, and is not limited to the implementation method shown in FIG.

Hereinafter, the figures 2 and / or 5 and / or 8 and / or 11 and / or 14 and / or 17 and / or 20 and / or 23 on the allowance deposit system shown in FIG. And / or provide a financial transaction for depositing a provision for the affiliated card to a card issuing agency using the provision of deposit request information in a card issuing affiliate institution on the card registration system shown in FIGS. 26 and / or 29. Components corresponding to one or more means and / or functional configurations are referred to as " financial transaction server 3400 " for convenience, and the financial transaction server 3400 in FIG. 34 providing the face-to-face financial transaction service is at least one. It is preferable to include the account system on the financial system connected through the above terminal and predetermined communication means. But showing a financial transaction server 3400 as a ledger server between the window terminal and convenience gyejeonggye, to which the present invention is not limited.

Referring to this figure 34 in accordance with an embodiment of the present invention, a provision deposit system for depositing a provision for the affiliated card to a card issuing agency, the figures 2 and / or 5 and / or 8 and / or Figures. Affiliate server 100 provided in the card issuing affiliated organization on the card registration system shown in FIGS. 11 and / or 14 and / or 17 and / or 20 and / or 23 and / or 26 and / or 29. A financial transaction server 3400 connected to the affiliate server 100 through a predetermined communication means to process a financial transaction for depositing a provision for the affiliate card as a card issuing institution, and the affiliated financial account opened; It comprises a system.

The financial system that processes the at least one financial transaction service through the affiliate financial account in connection with the financial transaction server 3400 may include at least one window terminal provided at a branch (and / or a branch) of the financial institution. It characterized in that the connection through the communication means (eg, our network), and provides a face-to-face financial transaction services to at least one financial transaction customer through the window terminal.

The financial system may also include at least one financial terminal including a cash dispenser / automatic teller machine (CD / ATM) provided at a branch (and / or branch) of the financial institution, and / or at least affiliated with the financial institution. At least one financial terminal provided at one or more other financial institutions (and / or other financial institution branches), and / or at least one financial terminal provided in a public place and a predetermined means of communication (e.g., a CD common network). It is characterized in that connected through, through the financial terminal provides a non-face-to-face financial transaction service for at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined Internet banking server, a network (eg, wired Internet, and / or IEEE 802.11x-based WLAN, connected to a TCP / IP-based backbone network through the Internet banking server, And / or at least one client terminal (e.g., a personal computer (PC) equipped with the wired Internet access and browsing function) and / or a laptop connected to the IEEE 802.16x-based portable Internet, etc., the wireless LAN / portable Internet A non-face-to-face financial transaction service is provided to at least one or more financial transaction customers through a laptop and / or mobile terminal equipped with access and browsing functions.

In addition, the financial system is characterized in that associated with a predetermined wireless banking server, a predetermined wireless network (eg, CDMA (Code Division Multiple Access) based mobile communication network, and / or IEEE 802.16x through the wireless banking server) At least one wireless terminal (e.g., a personal communication system (PCS) and / or a global communication system (GSM) equipped with a connection and browsing function connected to the mobile communication network) Provide a non-face-to-face financial transaction service to at least one financial transaction customer through a System for Mobile terminal and / or a Personal Digital Assistant (PDA) and / or a Smart Phone and / or Telematics). do.

In addition, the financial system is characterized in that associated with a predetermined IC chip-based wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based mobile communication network, through the IC chip-based wireless banking server, And / or at least one financial transaction customer via at least one wireless terminal (e.g., a wireless terminal with a financial IC chip) connected to the IEEE 802.16x based portable Internet and / or a DataTAC / Mobitex based wireless data communication network. IC chip-based non-face-to-face financial transaction services.

In addition, the financial system is characterized in that associated with a predetermined telebanking server, at least one or more connected to a predetermined wired voice call network (eg, Public Switched Telephone Network (PSTN)) through the telebanking server At least one wireless communication terminal (e.g., a PCS and / or GSM terminal) connected to a fixed line communication terminal (e.g., a telephone) and / or a predetermined wireless voice communication network (e.g., a code division multiple access (CDMA) based mobile communication network) And / or a smartphone or the like) to provide a non-face-to-face financial transaction service to at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined home banking server, at least one or more home appliances (eg, digital TV and / or refrigerator connected to a home network, etc.) connected to a predetermined home network through the home banking server ) Provides non-face-to-face financial transaction services to at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined TV banking server, at least one or more digital TV (for example, two-way digital TV, satellite DMB terminal) connected to a predetermined return channel (Return Channel) through the TV banking server And non-face-to-face financial transaction services to at least one financial transaction customer through a terrestrial DMB terminal).

Referring to FIG. 34, 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. An accounting system for processing a window service such as credit or receiving or trust or foreign exchange occurring at at least one branch (or teller), an information system for processing a headquarters business and for supporting branch information and managing customer information; Interconnection between the financial 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 chips) provided in at least one or more external communication networks. 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 common network (eg, CD common network, financial common network). An interface module corresponding to a middleware platform that provides interfacing, and predetermined information (e.g., ledger information, and / or customer information, and / or management) required for each function in a component in the financial system. And a DBMS (DataBase Management System) including at least one database for storing and managing information.

In addition, the financial system is a foreign exchange module according to the intention of the skilled person and / or the type (eg, commercial bank, savings bank, trust bank) of each financial institution equipped with the financial system and the purpose and characteristics of the financial system. It is possible that at least one or more components, such as (not shown), investment finance module (not shown), international module (not shown) may be further included, and those skilled in the art to which the present invention pertains, Since you will be familiar with the technical details of the financial system, a detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

According to the present invention, the DBMS provided in the financial system is for the financial institution to open at least one financial account to at least one financial transaction customer, and to provide at least one financial transaction service based on the financial account And at least one ledger D / B for storing at least one ledger, wherein the ledger D / B is at least one ledger information for processing at least one financial transaction to be provided to the financial transaction customer by the financial institution. (Eg, customer ledger, ledger, collateral ledger, etc.) and at least one ledger additional information corresponding to each ledger information (e.g., to further refine and / or supplement each ledger's attributes / functions). Characterized in that the link is processed and stored, the ledger information is the affiliated financial account Including predetermined account ledger corresponding to the financial account issuer characterized in that formed.

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 a detailed description thereof will be omitted for convenience.

Referring to Figure 34, the affiliate server 100, the Figure 2 and / or Figure 5 and / or Figure 8 and / or Figure 11 and / or Figure 14 and / or Figure 17 and / or Figure 20 and / or Affiliate card transactions prepaid based on the utilization amount by the affiliate based on the affiliate card information stored in the storage medium 3430 shown in the card registration system shown in FIGS. 23 and / or 26 and / or 29 Or a utilization checking unit 3440 for checking whether to adjust the utilization amount of the affiliate card by referring to the affiliate card transaction history provided in the card, and when the utilization amount is adjusted, the adjusted utilization amount A provision allowance confirming unit 3445 for confirming predetermined allowance information to be deposited to a card issuing agency corresponding to the affiliated card based on the information, and generating allowance deposit request information including the allowance information; An allowance processing unit 3455 for transmitting the allowance deposit request information to the financial transaction server 3400 through a predetermined communication means and depositing the allowance from the affiliate financial account to the card company financial account. It characterized by comprising a.

In addition, when the affiliate server 100 receives predetermined allowance deposit result information from the financial transaction server 3400, the affiliate server 100 transmits the allotted allowance deposit result information and the affiliated card information corresponding to the allowance deposit result. It is characterized in that it further comprises an information transmitting and receiving unit 3460 for transmitting to the card company server 110 through, so that the card company server 110, the utilization amount for the affiliate card corresponding to the affiliate card information You will be able to adjust your payment upwards to process your payment.

According to the present invention, it is confirmed that the utilization amount for the affiliated card is down-regulated as a result of the confirmation of the utilization confirmation unit 3440, and the allowance corresponding to the down-adjusted amount by the allowance confirmation unit 3445 When the replacement amount is confirmed, the allowance processing unit 3455 may replace the allowance replacement with the allowance of another affiliate card, and the information transmission / reception unit 3460 replaces the allowance replacement with the allowance of another affiliate card. Provision for substitute information (for example, at least one or more other affiliate card information, etc. for the provision is processed through the provision of the allowance replacement) including the substitute is characterized in that for transmitting to the card company server 110, As a result, the card company server 110 may process payment for another affiliated card in which the allowance is replaced.

According to an exemplary embodiment of the present invention, the affiliate server 100 and / or the card company server 110 may include at least one client terminal connected to a predetermined communication network and a payment request provided at an online affiliated store connected to the client terminal through the communication network. In connection with an online payment channel including at least one server 115 and a communication network to which the online payment protocol is applied, the payment terminal provides the payment service through the affiliate card, or a payment terminal provided in a predetermined offline affiliated store and the payment terminal It is preferable to interwork with an offline payment channel including a connected communication network (eg, a Value Added Network (VAN)), and during the payment settlement process using the online payment channel and / or offline payment channel, the payment processing. Affiliate card transaction history including the history information is assigned to predetermined transaction history D / B ( To store during the drawings) and administration is preferred.

The utilization checking unit 3440 may be the drawings 2 and / or 5 and / or 8 and / or 11 and / or 14 and / or 17 and / or 20 and / or 23 and / or FIG. Based on the affiliate card information stored in the storage medium 3430 shown in the card registration system shown in FIGS. 26 and / or 29, the affiliate card transaction history prepaid based on the utilization amount, or on the card It is characterized by checking whether to increase the utilization amount of the affiliate card with reference to the affiliate card transaction history provided.

According to the implementation method of the present invention, when the payment amount using the affiliate card is confirmed that the payment amount using the affiliate card is processed more than a certain amount for a predetermined period, and / or there is no late payment for the payment amount, the utilization check The unit 3440 preferably checks to increase the utilization amount of the affiliate card.

According to the implementation method of the present invention, when the payment amount using the affiliated card payment processing is a certain amount or less for a certain period of time, and / or if the delinquency of the payment amount occurs, the utilization amount Confirmation unit 3440 preferably confirms to lower the utilization amount of the cooperation card.

According to an embodiment of the present invention, when it is confirmed that the utilization amount is adjusted upward, the allowance checking unit 3445 confirms at least one utilization amount information adjusted in association with the storage medium 3430. And checking the upwardly revised total utilization amount information (amount subtracted from the utilization amount before the upward adjustment from the utilization amount after the upward adjustment), and a predetermined ratio of the total utilization amount (for example, of the total utilization amount) Total amount, or part of the amount) is characterized in that the card issuance partner to confirm the allowance to be deposited to the card issuing institution.

Alternatively, when it is determined that the utilization amount is increased upward, the allowance checking unit 3445 confirms at least one utilization amount information that has been raised in association with the storage medium 3430, and the adjusted total amount. Each amount to deposit a certain percentage of the utilization amount information (the amount of usage amount after upward adjustment minus the amount of utilization before the upward adjustment) (e.g., the total amount or partial amount of each utilization amount) to the card issuer The allowance for each affiliate card is checked, and the allowance for each affiliate card is confirmed, and the allowance to be deposited from the card issuing affiliate institution to the card issuing institution is confirmed.

According to the implementation method of the present invention, the allowance ratio for the increased utilization amount is determined in consultation with the card issuing affiliate and the card issuing agency within 100%, and the present invention is not limited by the specific allowance ratio. .

When it is confirmed that the utilization amount is adjusted downward according to another exemplary embodiment of the present invention, the allowance checking unit 3445 confirms at least one utilization amount information adjusted downward in connection with the storage medium 3430. By doing so, the downlinked total utilization amount information information (amount subtracted from the utilization amount before the down adjustment is determined by subtracting the utilization amount after the adjustment), and a certain ratio (eg, the total utilization amount of the total utilization amount) The total amount, or a portion of the amount) is confirmed as a provision replacement, the allowance processing unit 3455 is characterized in that for replacing the identified allowance replacement with the allowance of another affiliate card.

Alternatively, when it is determined that the utilization amount is lowered, the allowance confirmation unit 3445 confirms at least one utilization amount information adjusted downwardly in association with the storage medium 3430, and the adjusted total amount is adjusted. Each amount to deposit a certain percentage of the utilization amount information (the amount of the utilization amount before the downward adjustment minus the utilization amount after the downward adjustment) (for example, the total amount or a partial amount of each utilization amount) to the card issuer. Checking the allowance for each affiliate card, adding the confirmed allowance for each affiliate card, and confirming the allowance, and the allowance processing unit 3455 may replace the confirmed allowance replacement with the allowance of another affiliate card. It is done.

According to the implementation method of the present invention, the allowance replacement rate for the down-adjusted utilization amount is determined in consultation with the card issuing affiliate and the card issuing agency within 100%, and the present invention is not limited by the specific allowance rate. No.

According to an exemplary embodiment of the present invention, the allowance processing unit 3455 may include at least one of the allowance amount used by the allowance checking unit 3445 to be replaced by the allowance of another affiliate card. Confirm the above other affiliate card information and the allowance information required by the affiliate card, or the figures 2 and / or 5 and / or 8 and / or 11 and / or 14 and / or 17 and / or FIG. 20 and / or at least one of the affiliated cards registered through the card registration system shown in FIGS. 23 and / or 26 and / or 29 for which a predetermined allowance has not yet been deposited through the allowance deposit system shown in FIG. The other alliance card information and the allowance information required by the affiliated card are checked. Characterized in that assigned to the necessary provisioning information.

If the utilization amount is increased and the allowance information to be deposited from the card issuing agency to the card issuing institution is confirmed, the information generating unit 3450 is affiliated with the financial account information, allowance information, transaction authentication information and card company finance Provision for provision of reserve information including at least one or more account information.

The affiliated financial account information is characterized by including the account number (or financial account alias, etc.) for the financial account in the name of the card issuing affiliated institution, customer information (for example, the name of the account holder, or the Customer's CIF (Customer Information File) number corresponding to the affiliated financial account, etc., financial institution information (eg, bank name, or bank code), branch information (eg, branch code), contact information (eg, the affiliated financial account) It may include at least one or more) and the name of the person responsible for opening and in charge.

The allowance information includes a financial transaction amount withdrawn from the affiliate financial account in order to deposit the allowance for the affiliate card to the card issuing institution, and the allowance is the balance deposited in the affiliate financial account. It is characterized by not exceeding.

The transaction authentication information validates at least one of confidentiality, authentication, integrity, and nonrepudiation of the financial transaction for depositing a provision for the affiliate card to a card issuer. Information to be secured, characterized in that it comprises at least one password corresponding to the affiliated financial account, or a password corresponding to the financial transaction.

In addition, the financial transaction system shown in Figure 34, characterized in that the financial transaction for depositing the allowance for the alliance card to the card issuing agency through a non-face-to-face channel, the transaction authentication information is the affiliated financial account Further comprising at least one or more security code information provided in the security card provided to the customer in the opening process, and / or further comprises an OTP code generated through the One Tome Password (OTP) generator provided to the customer It is preferable.

In addition, the transaction authentication information is characterized in that the financial transaction for depositing the allowance for the alliance card to the card issuing agency through a non-face-to-face channel, the transaction authentication information is the affiliate server ( 100) (or at least one or more authentication certificate information included in the IC card of the card issuing affiliated institution interlocked through an integrated circuit (IC) card reader provided in the affiliate server 100, or at least one included in the certificate) Preferably, the method further comprises encrypting the financial transaction request information based on an encryption key or attaching the electronic signature of the customer to the financial transaction request information.

The card company financial account information is characterized by including the account number (or financial account alias, etc.) for the financial account in the name of the card issuing institution, and according to the intention of the person skilled in the art, the account holder information, finance corresponding to the card issuing institution It is preferable that the information further includes institution information (for example, bank name or bank code).

When the allowance deposit request information is generated, the allowance processing unit 3455 transmits the allowance deposit request information to the financial transaction server 3400 through a predetermined communication means to transfer the allowance from the affiliate financial account to the card company financial account. Characterized in that request to deposit.

The financial transaction server 3400 provided on the allowance deposit system according to the present invention is a generic term for the provision of the allowance deposit system side connected to the affiliate server 100 through a predetermined communication means, and includes at least one server ( Or an apparatus) and / or at least one or more programs recorded on a recording medium provided in a predetermined server (or apparatus), and the present invention is not limited thereto.

According to an embodiment of the present invention, the financial transaction server 3400 is a ledger server provided on a financial system connected to the teller terminal through a predetermined communication means, and / or is provided in an external system on the financial system. It may be a server (or a device), and / or a program provided in the external world on the financial system, whereby the present invention is not limited.

According to the method of the present invention, the financial transaction server 3400 is characterized by comprising an interface unit 3405 for connecting and managing a predetermined communication channel with the affiliate server 100 through the communication means. .

According to an embodiment of the present invention, the interface unit 3405 connects the window terminal and a predetermined communication channel based on the protocol stack defined in the communication means, and defines the financial transaction related program provided in the window terminal. It is desirable to provide a communication interface for transmitting and receiving at least one or more information (or data) using the established communication protocol.

Referring to FIG. 34, the financial transaction server 3400 includes at least one of the affiliate financial account information, the allowance information, the transaction authentication information, and the credit card financial account information transmitted from the affiliate server 100 through the communication means. An information receiving unit 3410 which receives the reserve provision request information in association with the interface unit 3405, and the affiliated financial account information, the allowance information, the transaction authentication information, and the card company financial account included in the received reserve request information; A validity checking unit 3420 for checking the validity of the information, and a financial transaction for depositing the allowance for the affiliated card to a card issuing agency based on the provision of the allowance deposit request information confirmed in association with the financial system; The partnership card in connection with the financial transaction processing unit 3425 and the financial transaction processing unit 3425 to process Generates provision information for preliminary provisions for financial transactions for depositing a provision for a card issuance agency, and transmits the provisions deposit result information to the affiliate server 100 in connection with the interface unit 3405. It is characterized by comprising a part (3415).

The affiliate server 100 generates provision request information including at least one or more of the affiliate financial account information, allowance information, transaction authentication information and card company financial account information to the financial transaction server 3400 through the communication means. Characterized in that the transmission.

The information receiving unit 3410 generates a reserve deposit request information including at least one of the affiliated financial account information, the allowance information, the transaction authentication information, and the card company financial account information in the affiliate server 100, and transmits it through the communication means. In this case, the provision of the reserve request information is received in conjunction with the interface unit 3405, and provides the received allowance deposit request information to the validity check unit 3420.

The validity confirming unit 3420 is configured to check whether the allowance deposit request information received from the affiliate server 100 satisfies the validity for depositing the allowance for the affiliate card with the card issuing institution.

According to an embodiment of the present invention, the validity of the provision of the reserve request information may be determined by the account ledger (or the account ledger for the financial account corresponding to the affiliated financial account information included in the provision of the reserve request information in the ledger D / B on the financial system). And checking whether the customer ledger corresponding to the affiliated financial account is provided, and when the account ledger (or the customer ledger corresponding to the affiliated financial account) is provided, It is desirable that the validity be authenticated.

In addition, the validity check for the provision of the reserve request information is the amount deposited in the affiliated financial account (for example, the account ledger provided in the ledger D / B on the financial system corresponding to the affiliated financial account) the provision of the reserve request information It is preferable to include whether to include more than the allowance included in, and if the balance of the affiliated financial account is more than the allowance, it is preferable that the validity of the allowance deposit request information is authenticated.

In addition, the validation of the reserve request information is confirmed in the account ledger provided in the ledger D / B on the financial system in response to various passwords corresponding to the transaction authentication information included in the reserve request information and the affiliated financial account And comparing and verifying various passwords corresponding to the transaction authentication information, and comparing various passwords corresponding to the transaction authentication information. It is desirable that the validity of the reserve deposit request information is authenticated.

In addition, the validity check on the provision of the reserve request information, if the security code information or OTP code is further included in the reserve request information, security code information or matching the OTP code or security code information included in the provision request information or And extracting (or generating) and comparing the OTP code, and checking whether the security code information or the OTP code is matched, and validity of the provision deposit request information is authenticated.

In addition, the validity check on the provision of the reserve request information is preferably made, if the provision of the reserve request information is encrypted, including decrypting the encrypted provision of reserve request information.

In addition, the validity check on the provision of the reserve request information is preferably made to include checking the electronic signature of the card issuing affiliate institution when the provision of the reserve request information includes the electronic signature of the card issuing affiliate.

When the validity of the allowance deposit request information is confirmed, the financial transaction processing unit 3425 and the affiliated financial account information included in the allowance deposit request information are linked to a financial system equipped with an account ledger corresponding to the affiliated financial account. A financial transaction for depositing a provision for the affiliated card as a card issuing agency is based on provisions information, transaction authentication information and credit card financial account information.

According to the implementation method of the present invention, the financial transaction processing unit 3425 processes the withdrawal processing of the amount corresponding to the allowance information from the account ledger corresponding to the affiliated financial account information included in the allowance deposit request information in connection with the financial system. And, it is preferable to transfer the withdrawn money to a financial account corresponding to the card company financial account information included in the provision of the reserve request information.

When the financial transaction for depositing the allowance for the affiliated card by the financial transaction processing unit 3425 to the card issuing agency is processed, the information transmission unit 3415 is connected to the financial transaction processing unit 3425 to the affiliated card. Generate a financial transaction processing history including any of financial transaction approval history or financial transaction error history for the financial transaction for depositing a provision for the card issuance agency, and process the financial transaction in connection with the interface unit 3405; Appropriation deposit result information including the details characterized in that for transmitting to the affiliate server 100 through the communication means.

Here, the transaction details of the financial transaction is characterized in that it comprises the affiliated financial account information, provisions information and the card company financial account information, characterized in that it further comprises an authorization code (or error code) for the financial transaction. It is done.

The allowance deposit result information may include a protocol structure for transmitting the generated financial transaction processing history to the affiliate server 100 through the communication means.

35 is a diagram illustrating a process of adjusting a allowance corresponding to a utilization amount for an affiliated card according to one embodiment of the present invention.

More specifically, Figure 35 shows the Figures 2 and / or 5 and / or Figure 8 and / or Figure 11 and / or Figure 14 and / or Figure 17 and / or Figure 20 and / or Figure 23 and / or Figure 26 And / or upon registration (or after registration) of a predetermined affiliate card through the card registration system shown in FIG. 29, after depositing a predetermined allowance corresponding to the utilization amount in the affiliate server 100 to the card issuing institution. Check whether the utilization amount of the affiliate card is increased by referring to the transaction history corresponding to the online payment channel using the affiliate card and / or the transaction history corresponding to the offline payment channel at the affiliate server 100; The present invention relates to a process of providing a financial transaction for depositing a provision corresponding to the raised utilization amount to the card issuing institution when the utilization amount is increased. Those skilled in the art may refer to and / or modify this drawing 35 to infer various implementation methods for the process of processing financial transactions for depositing provisions for the affiliate cards with card issuers. As will be appreciated, the present invention includes all implementation methods inferred above and is not limited to the implementation method illustrated in FIG.

Referring to FIG. 35, the affiliate server 100 illustrated in FIG. 34 may be the above-described FIGS. 2 and / or 5 and / or 8 and / or 11 and / or 14 and / or 17 and / or FIG. 20 and / or at least one card registration system shown in FIGS. 23 and / or 26 and / or 29 in association with a storage medium 3430 that stores affiliate card issuance information corresponding to at least one affiliate card registered. Confirming the affiliate card information above and referring to the affiliate card transaction history prepaid based on the utilization amount by the affiliate based on the confirmed affiliate card information, or the affiliate card transaction history provided in the card; Check if the utilization amount of the card is adjusted (3500).

According to an exemplary embodiment of the present invention, the affiliate server 100 and / or the card company server 110 may include at least one client terminal connected to a predetermined communication network and an online merchant connected to the client terminal through the communication network. In connection with an online payment channel including at least one requesting server 115 and at least one communication network to which an online payment protocol is applied, the payment terminal may provide a payment service through the affiliate card, or a payment terminal provided at a predetermined offline affiliated store and the payment terminal It is preferable to interwork with an offline payment channel including the connected communication network (eg, Value Added Network (VAN)), and during the payment settlement process using the online payment channel and / or offline payment channel, the payment processing. Affiliate card transaction history including the history information is assigned to predetermined transaction history D / B ( To store during the drawings) and administration is preferred.

According to the method of the present invention, if the payment amount using the affiliate card payment process for a predetermined amount or more, and / or there is no late payment for the payment amount, the affiliate server ( 100) It is preferable to check to increase the utilization amount of the affiliate card.

According to an embodiment of the present invention, if the payment amount using the affiliated card is processed for a predetermined amount or less for a predetermined period of time, and / or a delinquency of the payment amount occurs, the affiliate server It is preferable that the 100 confirms that the utilization amount of the affiliate card is adjusted downward.

If it is confirmed that the utilization amount of the alliance card is increased (3505), the affiliate server 100 issues a card corresponding to the alliance card based on the increased utilization amount information. The predetermined allowance information to be deposited to the institution is confirmed (3510).

When it is confirmed that the utilization amount is increased in accordance with the method of the present invention, the affiliate server 100 confirms at least one utilization amount information adjusted in association with the storage medium 3430, thereby Check the upwardly used total amount amount information (the amount after the upward adjustment, the amount less the utilization amount before the increase), and a certain ratio of the total amount of utilization (for example, the total amount of the total amount of utilization) , Or a partial amount) is confirmed as a allowance to be deposited from the card issuing agency to the card issuing institution.

Alternatively, when it is determined that the utilization amount is increased upward, the affiliate server 100 confirms at least one utilization amount information increased in association with the storage medium 3430, and uses the adjusted total usage amount. Affiliation to deposit a certain percentage (e.g., all or part of each usage amount) of the province amount information (utilization amount after upward adjustment minus usage amount before upward adjustment) to the card issuer The allowance for each card is confirmed, and the allowance for each affiliated card is summed up to confirm the allowance to be deposited from the card issuing affiliated institution to the card issuing institution.

According to the implementation method of the present invention, the allowance ratio for the increased utilization amount is determined in consultation with the card issuing affiliate and the card issuing agency within 100%, and the present invention is not limited by the specific allowance ratio. .

Thereafter, the affiliate server 100 generates predetermined allowance deposit request information including the checked allowance information (3515).

According to the method of the present invention, the provision of the reserve request information preferably comprises at least one or more of the affiliate financial account information, provisions information, transaction authentication information and card company financial account information.

Here, the affiliated financial account information is characterized by including the account number (or financial account alias, etc.) for the financial account in the name of the card issuing affiliate institution, customer information (for example, the name of the account holder, Or a customer information file (CIF) number of a customer corresponding to the affiliate financial account), financial institution information (eg, bank name, or bank code), branch information (eg, branch code), contact information (eg, the affiliate company) Name of the person in charge of opening and in charge of the financial account, a person in charge code, etc.).

The allowance information includes a financial transaction amount withdrawn from the affiliate financial account in order to deposit the allowance for the affiliate card to the card issuing institution, and the allowance is the balance deposited in the affiliate financial account. It is characterized by not exceeding.

The transaction authentication information validates at least one of confidentiality, authentication, integrity, and nonrepudiation of the financial transaction for depositing a provision for the affiliate card to a card issuer. Information to be secured, characterized in that it comprises at least one password corresponding to the affiliated financial account, or a password corresponding to the financial transaction.

In addition, the financial transaction system shown in Figure 34, characterized in that the financial transaction for depositing the allowance for the alliance card to the card issuing agency through a non-face-to-face channel, the transaction authentication information is the affiliated financial account Further comprising at least one or more security code information provided in the security card provided to the customer in the opening process, and / or further comprises an OTP code generated through the One Tome Password (OTP) generator provided to the customer It is preferable.

In addition, the transaction authentication information is characterized in that the financial transaction for depositing the allowance for the alliance card to the card issuing agency through a non-face-to-face channel, the transaction authentication information is the affiliate server ( 100) (or at least one or more authentication certificate information included in the IC card of the card issuing affiliated institution interlocked through an integrated circuit (IC) card reader provided in the affiliate server 100, or at least one included in the certificate) Preferably, the method further comprises encrypting the financial transaction request information based on an encryption key or attaching the electronic signature of the customer to the financial transaction request information.

The card company financial account information is characterized by including the account number (or financial account alias, etc.) for the financial account in the name of the card issuing institution, and according to the intention of the person skilled in the art, the account holder information, finance corresponding to the card issuing institution It is preferable that the information further includes institution information (for example, bank name or bank code).

If the allowance deposit information is normally generated (3520), the affiliate server 100 includes the at least one reserve deposit information including at least one of the affiliate financial account information, the allowance information, the transaction authentication information, and the card company financial account information through the communication means. The request information is transmitted to the financial transaction server 3400 (3525).

Subsequently, the financial transaction server 3400 receives and reads provisions for deposit request information including at least one of the affiliated financial account information, the provisions information, the transaction authentication information, and the credit card financial account information through the communication means. The validity of the request information is checked (3530).

According to an embodiment of the present invention, the validity of the provision of the reserve request information may be determined by the account ledger (or the account ledger for the financial account corresponding to the affiliated financial account information included in the provision of the reserve request information in the ledger D / B on the financial system). And checking whether the customer ledger corresponding to the affiliated financial account is provided, and when the account ledger (or the customer ledger corresponding to the affiliated financial account) is provided, It is desirable that the validity be authenticated.

In addition, the validity check for the provision of the reserve request information is the amount deposited in the affiliated financial account (for example, the account ledger provided in the ledger D / B on the financial system corresponding to the affiliated financial account) the provision of the reserve request information It is preferable to include whether to include more than the allowance included in, and if the balance of the affiliated financial account is more than the allowance, it is preferable that the validity of the allowance deposit request information is authenticated.

In addition, the validation of the reserve request information is confirmed in the account ledger provided in the ledger D / B on the financial system in response to various passwords corresponding to the transaction authentication information included in the reserve request information and the affiliated financial account And comparing and verifying various passwords corresponding to the transaction authentication information, and comparing various passwords corresponding to the transaction authentication information. It is desirable that the validity of the reserve deposit request information is authenticated.

In addition, the validity check on the provision of the reserve request information, if the security code information or OTP code is further included in the reserve request information, security code information or matching the OTP code or security code information included in the provision request information or And extracting (or generating) and comparing the OTP code, and checking whether the security code information or the OTP code is matched, and validity of the provision deposit request information is authenticated.

In addition, the validity check on the provision of the reserve request information is preferably made, if the provision of the reserve request information is encrypted, including decrypting the encrypted provision of reserve request information.

In addition, the validity check on the provision of the reserve request information is preferably made to include checking the electronic signature of the card issuing affiliate institution when the provision of the reserve request information includes the electronic signature of the card issuing affiliate.

If the validity of the allowance deposit request information is not authenticated (3535), the financial transaction server 3400 generates a financial transaction processing history including predetermined financial transaction error information corresponding to the validity error information (3540). ), The provisions deposit result information including the financial transaction processing history is transmitted to the affiliate server 100 (3560), and in response thereto, the affiliate server 100 transmits the provisions deposit result information; The card company transmits to the server 110 (3565).

On the other hand, if the validity of the provision of the reserve request information is authenticated (3535), the financial transaction server 3400 is affiliated with the provision of the reserve request information in connection with a financial system equipped with an account ledger corresponding to the affiliated financial account Based on the financial account information, the provisions information, the transaction authentication information and the card company financial account information to process the financial transaction for depositing the allowance for the affiliated card to the card issuer (3545).

According to the implementation method of the present invention, the financial transaction server 3400 processes the withdrawal amount corresponding to the allowance information from the account ledger corresponding to the affiliated financial account information included in the allowance deposit request information in association with the financial system. And, it is preferable to transfer the withdrawal amount to a financial account corresponding to the card company financial account information included in the provision of the reserve request information.

If the financial transaction corresponding to the allowance deposit request information is processed (3550), the server generates a financial transaction processing history including any one of predetermined financial transaction approval information or financial transaction error information according to the financial transaction processing result. (3555), the provisions deposit result information including the financial transaction processing history is transmitted to the affiliate server 100 through the communication means (3560), and in response thereto, the affiliate server 100 transmits the allowance deposit result. Information and the affiliate card information corresponding to the allowance deposit result are transmitted to the card company server 110 (3565), whereby the credit card company server 110 uses the utilization amount for the affiliate card corresponding to the affiliate card information. It can be adjusted upward to process payments.

36 is a diagram illustrating a process of adjusting a allowance corresponding to a utilization amount for an affiliated card according to another embodiment of the present invention.

More specifically, Figure 36 shows the Figures 2 and / or 5 and / or Figure 8 and / or Figure 11 and / or Figure 14 and / or Figure 17 and / or Figure 20 and / or Figure 23 and / or Figure 26 And / or upon registration (or after registration) of a predetermined affiliate card through the card registration system shown in FIG. 29, after depositing a predetermined allowance corresponding to the utilization amount in the affiliate server 100 to the card issuing institution. The affiliate server 100 checks whether the utilization amount of the affiliate card is lowered by referring to the transaction history corresponding to the online payment channel and / or the offline payment channel using the affiliate card. In the case of the downward adjustment of the utilization amount, the process for replacing the provision replacement amount corresponding to the lowered utilization amount with the allowance of another affiliate card, the present invention belongs to Those skilled in the art will be able to infer various implementation methods for depositing the allowance for the affiliated card with the card issuing organization by referring to and / or modifying the drawing 36. It includes all the implementation methods inferred and is not limited to the implementation method shown in FIG.

Referring to FIG. 36, the affiliate server 100 illustrated in FIG. 34 may be the above-described FIGS. 2 and / or 5 and / or 8 and / or 11 and / or 14 and / or 17 and / or FIG. 20 and / or at least one card registration system shown in FIGS. 23 and / or 26 and / or 29 in association with a storage medium 3430 that stores affiliate card issuance information corresponding to at least one affiliate card registered. Confirming the affiliate card information above and referring to the affiliate card transaction history prepaid based on the utilization amount by the affiliate based on the confirmed affiliate card information, or the affiliate card transaction history provided in the card; Check whether the utilization amount of the card is adjusted (3600).

According to an embodiment of the present invention, the affiliate server 100 and / or the card company server 110 may include at least one client terminal connected to a predetermined communication network and an online merchant connected to the client terminal through the communication network. In connection with an online payment channel including at least one requesting server 115 and at least one communication network to which an online payment protocol is applied, the payment terminal may provide a payment service through the affiliate card, or a payment terminal provided at a predetermined offline affiliated store and the payment terminal. It is preferable to interwork with an offline payment channel including the connected communication network (eg, Value Added Network (VAN)), and during the payment settlement process using the online payment channel and / or offline payment channel, the payment processing. Affiliate card transaction history including the history information is assigned to predetermined transaction history D / B ( To store during the drawings) and administration is preferred.

According to the method of the present invention, if the payment amount using the affiliate card payment process for a predetermined amount or more, and / or there is no late payment for the payment amount, the affiliate server ( 100) It is preferable to check to increase the utilization amount of the affiliate card.

According to an embodiment of the present invention, if the payment amount using the affiliated card is processed for a predetermined amount or less for a predetermined period of time, and / or a delinquency of the payment amount occurs, the affiliate server It is preferable that the 100 confirms that the utilization amount of the affiliate card is adjusted downward.

If it is confirmed that the utilization amount of the affiliate card has been lowered (3605), the affiliate server 100 responds to the affiliate card based on the reduced utilization amount information. After confirming the predetermined allowance replacement information to be deposited (3610), replacing the identified allowance replacement with the allowance of another affiliate card (3615), and the allowance for replacing the allowance replacement with the allowance of another affiliate card The replacement information is generated and transmitted to the card company server 110 (3620).

When it is confirmed that the utilization amount is adjusted downward according to the method of the present invention, the affiliate server 100 confirms the at least one utilization amount information adjusted downward in connection with the storage medium 3430, Check the downgraded total utilization amount information (the amount after utilization is subtracted from the utilization amount before down adjustment), and a certain ratio of the total utilization amount (for example, the total amount of the total utilization amount) , Or a part of the amount) is confirmed as a provision replacement, and the identified allowance replacement is replaced with a provision of another affiliate card.

Alternatively, when it is determined that the utilization amount is lowered, the affiliate server 100 confirms at least one utilization amount information adjusted downwardly in association with the storage medium 3430, and uses the adjusted total usage amount. Affiliation to deposit a certain percentage (e.g., the total amount or partial amount of each utilization amount) of the province amount information (the amount of usage amount before the downward adjustment minus the amount of usage after the downward adjustment) to the card issuer Checking the allowance for each card, the sum of the identified allowances for each affiliate card is confirmed as a provision replacement, characterized in that for replacing the identified allowance replacement with the allowance of another affiliate card.

According to the implementation method of the present invention, the allowance replacement rate for the down-adjusted utilization amount is determined in consultation with the card issuing affiliate and the card issuing agency within 100%, and the present invention is not limited by the specific allowance rate. No.

37 is a diagram showing the configuration of an online payment system through an affiliate card according to an embodiment of the present invention.

More specifically, Figure 37 shows the Figures 2 and / or 5 and / or Figure 8 and / or Figure 11 and / or Figure 14 and / or Figure 17 and / or Figure 20 and / or Figure 23 and / or Figure 26 And / or after the predetermined allowance is deposited in the affiliate card registered through the card registration system shown in FIG. 29 through the allowance deposit system shown in FIG. 32 or the allowance operating system shown in FIG. Based on at least one online payment channel of the online payment channel using a wired communication network and / or an online payment channel using a wireless communication network based on the payment, the online payment based on the affiliate card in the affiliate server 100 The preliminary approval of the payment amount requested for payment approval through the channel is pre-executed, and the provisional approval D / B 3765 provided in (or associated with) the affiliate server 100 is added to the approval. As an online payment system for storing the personal information, if the person of ordinary skill in the art to which the present invention pertains, referring to and / or modified this figure 37 to configure the offline card payment system through the affiliate card Various implementation methods may be inferred, but the present invention includes all the implementation methods inferred, and the technical features are not limited to the implementation method shown in FIG.

Referring to FIG. 37, the online payment system using the affiliate card includes at least one or more wired terminals connected to a predetermined wired communication network, and / or at least one or more wireless terminals connected to a predetermined wireless communication network. And the utilization amount information when the payment approval request using the payment request server 3780 and the affiliated card provided in the online merchant including at least one wired merchant and / or a wireless merchant connected to the client terminal through the communication network. It is characterized in that it comprises a partner server 100 for processing the approval of the payment amount based on the card company server 110 for processing the post-approval for the payment amount.

Here, the payment request server 3780 on the online payment system is a server provided in an online merchant including at least one wired merchant and / or a wireless merchant for the affiliate card, and performs online payment through the affiliate card. Generic term for all requesting servers.

According to the exemplary embodiment of the present invention, the payment request server 3780 includes at least one Internet shopping mall server, a content providing server, a messenger server, a portal server, a mail server, and the like, which requests online payment through the affiliate card. Or, the Internet shopping mall server, content providing server, messenger server, portal server, mail server, etc. It is preferable to include at least one or more payment gateway (PG) server.

Those skilled in the art to which the present invention pertains can infer various payment request servers 3780 for requesting online payment through the affiliated card in addition to the payment request server 3780 described above. Is characterized in that it comprises all kinds of inferred payment request server 3780.

In addition, the client terminal on the online payment system is connected to the payment request server 3780 through a predetermined communication network to purchase the tangible / intangible goods, and the corresponding purchase price payment processing through the affiliate card As a generic term for a terminal device, a wired terminal including at least one or more desktop computers and / or laptops connected to a predetermined wired communication network, or a personal communication system (PCS) and / or GSM (connected to a predetermined wireless communication network). Global System for Mobile communications terminal and / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminal and / or Personal Digital Assistant (PDA) and / or smartphone ( Smart phones) and / or telematics and / or wireless data communication terminals and / or portable internet terminals. Even including the wireless terminal, or various kiosk (KIOSK) device and the IA terminal (e.g., IPTV, and so on) to at least one comprising at least one characterized in that formed.

In addition, the affiliate server 100 on the online payment system, the affiliated card-based payment-related server (or operated by the card issuing affiliated agency) provided to the card issuing affiliated agency to process payment approval for the affiliated card ( Or device) may be configured as the same server as the payment request server 3780 or may be configured as a separate server from the payment request server 3780, and the present invention is not limited thereto.

According to one embodiment of the present invention, the affiliate server 100 receives predetermined payment request information (for example, payment amount and merchant information and client terminal information) from the payment request server 3780, and from the client terminal. After receiving the card information for the affiliate card, check the utilization amount for the affiliate card in association with the storage medium based on the card information, and the payment through the affiliate card based on the utilization amount Characterized in that the payment amount contained in the request information.

According to another exemplary embodiment of the present invention, the affiliate server 100 may provide predetermined payment request information (for example, payment amount and merchant information provided by the payment request server 3780 to the client terminal) from the client terminal. After receiving the card information for the affiliate card, check the utilization amount for the affiliate card in association with the storage medium based on the card information, and the payment through the affiliate card based on the utilization amount Characterized in that the payment amount contained in the request information.

According to an embodiment of the present invention, the communication network connecting the client terminal, the payment request server 3780 and the affiliate server 100 in the online payment system, at least one or more for securely transmitting and receiving the payment request information and card information It is characterized by providing an online payment protocol (eg, secure protocol).

Referring to FIG. 37, according to an embodiment of the present invention, the affiliate server 100 may include the payment request server 3780 and / or the client terminal and the online payment through a communication network equipped with at least one online payment protocol. An interface unit 3710 connecting and managing a communication channel for transmitting and receiving information (or data) corresponding to a protocol, and the payment request server 3780 in accordance with the online payment protocol in connection with the interface unit 3710. An information receiving unit 3705 for receiving predetermined payment request information (for example, payment amount and merchant information and client terminal information) from the terminal, or receiving card information corresponding to the affiliated card from the client terminal according to the online payment protocol; (Or information receiving means), characterized in that the payment request server When the payment request information is received from 3780, an interface for providing a payment interface for inputting card information corresponding to an affiliate card to the client terminal through client terminal information included in the payment request information according to the online payment protocol. It is characterized by further comprising a providing unit 3710.

In addition, the affiliate server 100 is linked to the interface unit 3700, the predetermined payment result information including the payment processing history corresponding to the payment request information to the payment request server 3780 in accordance with the online payment protocol. Or an information transmission unit 3715 (or information transmission means) for transmitting predetermined payment result information including payment processing details through the card information to the client terminal according to the online payment protocol. It is characterized by.

According to an embodiment of the present invention, the interface unit 3700 receives the payment request information according to a communication protocol defined with the payment request server 3780 and transmits payment result information corresponding to the payment request information. It is desirable to provide a communication interface for connecting and managing a communication channel.

According to an embodiment of the present invention, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 3700 may be connected to the client terminal based on the TCP / IP protocol. Connect a communication channel, output an online payment window corresponding to the online payment protocol based on the HTPP protocol defined in the browser program, and receive card information corresponding to an affiliate card input (or selected) through the online payment window. In addition, it is desirable to provide a communication interface for connecting and managing a communication channel for transmitting payment result information corresponding to the card information.

When the payment request server 3780 transmits the payment request information to the affiliate server 100 according to the online payment protocol, the information receiving unit 3705 is connected to the interface unit and the payment request according to the online payment protocol. And receiving the information, and then the interface provider 3710 sends the card information corresponding to the affiliate card to the client terminal according to the online payment protocol based on the client terminal information included in the payment request information. And providing a payment interface (eg, an online payment window) for inputting (or selecting) and outputting the payment interface.

Thereafter, when the client terminal inputs (or selects) card information corresponding to the affiliated card through the payment interface and transmits the information, the information receiver 3705 connects to the online payment protocol in cooperation with the interface 3700. Accordingly, the card information is received.

If the affiliate server 100 completes the payment approval procedure through the payment request information and the card information and generates payment result information including a predetermined payment processing history, the information transmission unit 3715 may include the interface unit ( In connection with 3700, the payment result information is transmitted to the payment request server 3780 and a client terminal.

Those skilled in the art of the present invention will be familiar with the technical features for transmitting and receiving the payment request information, card information and payment result information according to the online payment protocol, the detailed description thereof is for convenience. Omit.

Referring to FIG. 37 according to another embodiment of the present invention, the affiliate server 100 may provide information (or data) corresponding to the client terminal and the online payment protocol through a communication network equipped with at least one online payment protocol. Interface unit 3700 connecting and managing a communication channel for transmitting / receiving) and predetermined payment request information (eg, payment amount and merchant) from the client terminal in accordance with the online payment protocol in connection with the interface unit 3700. Information) and an information receiving unit 3705 (or information receiving means) for receiving card information corresponding to the association card.

In addition, the affiliate server 100 transmits predetermined payment result information including payment processing details through the card information to the client terminal in accordance with the online payment protocol in connection with the interface unit. (Or information transmission means).

According to an embodiment of the present invention, the interface unit 3700 receives the payment request information and the card information corresponding to the affiliated card according to the communication protocol defined with the client terminal, and the payment request information and the card information. It is desirable to provide a communication interface for connecting and managing a communication channel for transmitting corresponding payment result information.

According to an embodiment of the present invention, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit may establish a communication channel with the client terminal based on the TCP / IP protocol. Connect to, output an online payment window corresponding to the online payment protocol based on the HTPP protocol defined in the browser program, receive card information corresponding to an affiliate card input (or selected) through the online payment window, and It is desirable to provide a communication interface for connecting and managing a communication channel for transmitting payment result information corresponding to card information.

When the client terminal transmits the payment request information and the card information corresponding to the affiliated card to the affiliate server 100 according to the online payment protocol, the information receiving unit 3705 is connected with the interface unit to make the online payment. The payment request information and the affiliated card information may be received according to a protocol.

If the affiliate server 100 completes the payment approval procedure through the payment request information and the card information and generates payment result information including a predetermined payment processing history, the information transmission unit 3715 may include the interface unit ( In connection with 3700, the payment result information is transmitted to the client terminal.

Those skilled in the art of the present invention will be familiar with the technical features for transmitting and receiving the payment request information, card information and payment result information according to the online payment protocol, the detailed description thereof is for convenience. Omit it.

Referring to FIG. 37, when the affiliate server 100 receives predetermined payment request information and card information corresponding to the affiliated card through the information receiver 3705, the affiliated server 100 stores the affiliated card information. 3760 and a card information checking unit 3720 (or card information checking means) for checking whether the received card information matches the affiliate card information, and the received card information matches the affiliate card information. A utilization checking unit 3720 (or utilization checking means) for confirming a utilization amount associated with the card information in association with the storage medium 3760, and a payment amount and the utilization amount included in the payment request information; Comparing an amount of money and approving the payment through the affiliate card approval (3730) (or an authorization processing means), the approved authorization card information, the authorization amount information and merchant information and And an information storage unit 3735 (or information storage means) for storing the approval approval history information including at least one approval date and time information in the predetermined approval history D / B 3765. Payment approval request unit (3740) for requesting the post-approval by batch transmission (or batch transmission) of at least one or more approval history information stored in the approval history D / B (3765) through a communication means of the card company server (110) It is characterized in that it further comprises a).

When predetermined payment request information and card information corresponding to the affiliated card are received through the information receiving unit 3705, the card information checking unit 3720 may perform the drawings 2 and / or 5 and / or 8 and / or FIG. Or storing for storing the affiliate card information registered through the card registration system shown in FIGS. 11 and / or 14 and / or 17 and / or 20 and / or 23 and / or 26 and / or 29 In connection with the medium 3760, it is determined whether the received card information matches the affiliate card information.

If the received card information matches card information corresponding to the affiliated card as a result of the card information confirming unit 3720, the utilization checking unit 3725 determines that the affiliated card information is stored from the storage medium 3760. It is characterized by checking the associated utilization amount.

The approval processing unit 3730 compares the payment amount included in the payment request information received through the information receiving unit 3705 and the utilization amount confirmed through the utilization checking unit 3725, and comparing the result When the payment amount is less than or equal to the utilization amount, the payment approval for the payment amount is characterized in that the approval.

In addition, when the approval of the payment amount is processed, the approval approval processing unit 3730 includes at least one or more of the approved authorization card information, the approved authorization amount information, the merchant information and the approval date and time information In this case, the information transmission unit 3715 may generate payment result information including the payment processing details and transmit the generated payment result information to the client terminal.

In addition, when the authorization for the payment amount is processed, the information storage unit 3735 subtracts and stores the authorization amount from the utilization amount stored in the storage medium 3760, thereby making payment through the affiliated card amount. The utilization amount is updated until the settlement is processed. When the approval amount is settled, the utilization amount is set as the drawing 2 and / or the drawing 5 and / or the drawing 8 and / or the drawing. It is preferable to restore the card registration system shown in Fig. 11 and / or Fig. 14 and / or Fig. 17 and / or Fig. 20 and / or Fig. 23 and / or Fig. 26 and / or Fig. 29 to the registered utilization amount.

On the other hand, if the payment amount is greater than the utilization amount as a result of the comparison, the payment approval request unit 3740 transmits the card information, payment amount information and merchant information to the card company server 110 through a predetermined communication means. Characterized in that the request for the actual approval process.

Alternatively, when the payment amount is larger than the utilization amount as a result of the comparison, the approval processing unit 3730 may generate a payment processing history including payment error information for the payment card corresponding to the card information. In this case, the information transmitter 3715 may generate payment result information including the payment processing details and transmit the generated payment result information to the client terminal.

When the payment approval for the payment amount is approved by the approval processing unit 3730, the information storage unit 3735 may assign the approved affiliate card information, the approval amount information, the affiliate store information, and the approval date and time. Characterized in the predetermined approval information D / B (3765) is stored in the predetermined approval information including at least one information.

After the approval history information is stored in the approval history D / B 3765 by the information storage unit 3735, the payment approval request unit 3740 is configured to perform at least a request from the approval history D / B 3765. Extract one or more approval information (eg, approval information including at least one of affiliate card information, approval amount information, merchant information, and approval date and time information); and the extracted approval approval history through the communication means. By transmitting the information to the card company server 110, the card company server 110, characterized in that for requesting the post-approval for the approval information.

In addition, the payment approval request unit 3740 is the payment processing history information (for example, card information and payment amount information and corresponding to the result of the post-approval of the approval information from the card company server 110 through the communication means; Merchant information, payment approval date and time, payment approval information, etc.).

When the payment processing history information is received from the card company server 110, the information storage unit 3735 processes predetermined payment approval information included in the payment processing history as post approval information for the approval information. Characterized in that the approval history information further characterized in that the storage.

Referring to FIG. 37, the card company server 110 may include at least one or more affiliated card information, approved amount information, affiliated store information, and approved date and time information through a predetermined communication means from the affiliate server 100. An information transmitting / receiving unit 3545 (or information receiving means) for receiving the details of the person's details, and the affiliated card information included in the received approval information, the payment approval request card information, and the payment amount information Payment approval processing unit (3750) (or payment approval processing means) for processing the payment approval by processing the amount, the card information, payment amount information, merchant information, payment approval date information and payment approval information ( For example, the information storage unit 3555 (or information storage) for storing payment processing history information including at least one payment approval number in a predetermined transaction history D / B 3475. Group), and characterized in that obtained by having the said information transmitting and receiving unit (3745) is characterized in that for transmitting the communication to the partner server 100, the settlement processing history information.

The information transceiving unit 3545 may include at least one or more affiliated card information, approved amount information, affiliated store information, and approved date and time information from the affiliate server 100 periodically through predetermined communication means. Characterized in that the approval approval information is received, and provides the received approval approval information to the payment approval processing unit 3750.

When the approval approval information is received through the information transmission / reception unit 3545, the payment approval processing unit 3750 processes the affiliate card information included in the approval approval information as payment approval request card information and the approval. After processing the amount information as the payment amount, the card information D / B (3770) for storing the affiliate card operation information for the affiliate card information is processed in association with the affiliate card information to confirm the stored usage amount, The amount of money (or amount of payment) is compared with the amount of usage, and if the approved amount (or amount of payment) is less than or equal to the amount of usage, the approval of payment for the amount of payment is approved. Characterized in that.

If the result of the comparison is that the approved amount (or payment amount) is greater than the utilization amount, the payment approval processing unit 3750 generates post-approval error information on the approved details information and transmits the information through the communication means. It is preferable to transmit to the affiliate server 100.

According to another exemplary embodiment of the present invention, when the approval result (or payment amount) is greater than the utilization amount, the payment approval processing unit 3750 may provide affiliate card operation information on the affiliate card information. Check the card limit amount stored in connection with the affiliated card information from the card information D / B 3770 to be stored, and compare the approved amount (or payment amount) with the card limit amount, and the result of the comparison When the amount of phosphorus (or the amount of payment) is less than or equal to the amount of the card limit, it is possible to approve payment approval for the amount of payment, and the present invention is not limited thereto.

Alternatively, when the approved amount (or settlement amount) is greater than the utilization amount, and the approved amount (or settlement amount) is greater than the card limit amount, the payment approval processing unit 3750 determines that It is preferable to generate the post-approval error information for the approval information and transmit the information to the affiliate server 100 through the communication means.

When the payment approval processing unit 3750 post-approves the approval information, the information storage unit 3575 may store card information and payment amount (or approval amount) information and merchant corresponding to the payment approval result. And payment processing history information including at least one information, payment approval date and time information, and at least one predetermined payment approval information (eg, payment approval number) in the predetermined transaction history D / B 3475. The transmission and reception unit 3475 is characterized in that for transmitting the payment processing history information to the affiliate server 100 by the communication means.

According to an embodiment of the present invention, in the information storage unit 3555 storing the payment processing history information in the transaction history D / B 3475, the affiliated agency information that approves the payment amount to the payment processing history. It is preferable to further include the storage.

According to another exemplary embodiment of the present invention, when the affiliate server 100 transmits the card information, the payment amount information, and the affiliated store information to the card company server 110 to perform a real approval process, the information transmitting / receiving unit 3475 Characterized in that the card information, payment amount information and merchant information received from the affiliate server 100 through a predetermined communication means.

In the above method, the payment approval processing unit 3750 compares the payment amount with the card limit amount (or the total limit amount of the sum of the card limit amount and the utilization limit amount) based on the received card information. Characterized in that the payment approval process, the information storage unit 3555 is the card information, payment amount information, merchant information, payment approval date and payment approval information (e.g. payment approval number) corresponding to the payment approval result The payment processing history information including at least one of the at least one transaction history D / B (3775), characterized in that for storing, the information transmitting and receiving unit (3745) the communication means to the payment processing history information to the affiliate server Characterized in that the transmission to (100).

38 is a diagram illustrating an online payment approval process through an affiliate card according to an embodiment of the present invention.

In more detail, Figure 38 is a view of Figures 2 and / or 5 and / or Figure 8 and / or Figure 11 and / or Figure 14 and / or Figure 17 and / or Figure 20 and / or Figure 23 and / or Figure 26. And / or after the predetermined allowance is deposited in the affiliate card registered through the card registration system shown in FIG. 29 through the allowance deposit system shown in FIG. 32 or the allowance operating system shown in FIG. Based on at least one online payment channel of the online payment channel using a wired communication network and / or an online payment channel using a wireless communication network based on the payment, the online payment based on the affiliate card in the affiliate server 100 The preliminary approval for the payment amount requested for payment approval through the channel is pre-executed, and the approval is granted to the approval authorization D / B 3765 provided in (or associated with) the affiliate server 100. As an online payment approval process for storing the personal information, payment request information including the payment amount and merchant information is received from the payment request server 3780 to the affiliate server 100 and the affiliate card. Information about the online payment process is received from the client terminal to the affiliate server 100.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 38 to infer various implementation methods for the online payment approval process through the affiliate card. It is made to include all the inferred implementation methods, the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 38, the payment request server 3780 on the online card payment system shown in FIG. 37 transmits a predetermined payment amount, merchant information, and the like to the affiliate server 100 through a communication network equipped with a predetermined online payment protocol. When the payment request information including the client terminal information is transmitted (3800), the affiliate server 100 transmits predetermined information to the client terminal according to the online payment protocol based on the client terminal information included in the payment request information. A payment interface is provided and output (3805).

Thereafter, the client terminal inputs (or selects) card information corresponding to the customer payment means through the payment interface (3810), and sends the card information corresponding to the customer payment means according to the online payment protocol to the affiliate server. And transmits to 100 (3815).

Those skilled in the art to which the present invention pertains receive the payment request information from the payment request server 3780 at the affiliate server 100 in response to the online payment protocol, and from the client terminal. Since you will be familiar with the process of receiving the card information corresponding to the customer payment method, a detailed description thereof will be omitted for convenience.

Thereafter, the affiliate server 100 determines that the card information received in association with the storage medium is the FIGS. 2 and / or 5 and / or 8 and / or 11 and / or 14 and / or 17 and / or FIG. Alternatively, it is checked whether the card information matches the affiliate card information registered through the card registration system shown in FIGS. 20 and / or 23 and / or 26 and / or 29 (3820).

If the received card information does not match the affiliate card information as a result of the check (3825), the affiliate server 100 cannot approve the payment amount based on the utilization amount, so that the card information and Generate a payment processing history including payment error information for the payment amount (3830), and generates payment result information including the generated payment processing history and transmits it to the payment request server 3780 and the client terminal (3865). ).

On the other hand, if it is determined that the received card information matches the affiliate card information (3825), the affiliate server 100 uses the utilization amount information associated with the affiliate card information in association with the storage medium. In operation 3840, the payment amount is compared with the utilization amount to approve the payment amount (3840).

If approval for the payment amount is not processed (3845), the affiliate server 100 transmits the affiliate card information, the payment amount, and the affiliated store information to the card company server 110 through the communication means. In response to the request (3850), the card company server 110 corresponds to the card limit amount (or the total limit amount of the sum of the card limit amount and the utilization amount) for the affiliated card. Process the approval, generate payment processing details corresponding to the actual approval result (3855), transmit the payment processing details to the affiliate server 100 through the communication means (3860), and the affiliate server 100 ) Generates payment result information including the payment processing details and transmits the generated payment result information to the payment request server 3780 and the client terminal (3865).

On the other hand, if the approval for the payment amount is processed (3845), the affiliate server 100 generates the authorization information including the affiliated card information, the approved amount (or payment amount) and merchant information (3870) In operation 3875, payment result information including the generated approval information is generated and transmitted to the payment request server 3780 and the client terminal.

Thereafter, the affiliate server 100 stores the approval history information in a predetermined approval history D / B (3880), and updates by subtracting the approval amount from the utilization amount stored in the storage medium (3885). ).

39 is a diagram illustrating an online payment approval process through an affiliate card according to another embodiment of the present invention.

More specifically, Figure 39 is a view of Figures 2 and / or 5 and / or Figure 8 and / or Figure 11 and / or Figure 14 and / or Figure 17 and / or Figure 20 and / or Figure 23 and / or Figure 26. And / or after the predetermined allowance is deposited in the affiliate card registered through the card registration system shown in FIG. 29 through the allowance deposit system shown in FIG. 32 or the allowance operating system shown in FIG. Based on at least one online payment channel of the online payment channel using a wired communication network and / or an online payment channel using a wireless communication network based on the payment, the online payment based on the affiliate card in the affiliate server 100 As an online payment approval process for pre-approval of payment amount requested for payment approval through a channel, specifically, to the client terminal. Emitter is for the affiliate and merchant card information and payment information to process online payments are received by the affiliate server 100.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 39 to infer various implementation methods for the online payment approval process through the affiliate card. It is made to include all the inferred implementation method, the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 39, when the client terminal on the online card payment system illustrated in FIG. 37 transmits predetermined card information, payment amount information, and merchant information to the affiliate server 100 through the online payment channel (3900). In addition, the affiliate server 100 is a card information received in association with the storage medium is the Figure 2 and / or Figure 5 and / or Figure 8 and / or Figure 11 and / or Figure 14 and / or Figure 17 and / or It is checked whether it matches with the affiliated card information registered through the card registration system shown in FIGS. 20 and / or 23 and / or 26 and / or 29 (3905).

If the received card information does not match the affiliate card information as a result of the checking (3910), the affiliate server 100 cannot approve the payment amount based on the utilization amount, so that the card information and A payment processing history including payment error information about a payment amount is generated (3915), and payment result information including the generated payment processing details is generated and transmitted to the payment request server 3780 and the client terminal (3950). ).

On the other hand, if it is determined that the received card information is matched with the affiliate card information (3910), the affiliate server 100 is associated with the storage card 3760 utilization amount information associated with the affiliate card information Confirm (3920), and compare the payment amount and the utilization amount to process the approval of the payment amount (3925).

If approval for the payment amount is not processed (3930), the affiliate server 100 transmits the affiliate card information, the payment amount and the affiliate information to the card company server 110 through the communication means for real approval. In response to the request (3935), the card company server 110 in response to the actual amount for the payment amount by referring to the card limit amount (or the total limit amount sum of the card limit amount and the utilization amount) for the affiliated card. Process the approval, generate payment processing details corresponding to the actual approval result (3940), transmit the payment processing details to the affiliate server 100 through the communication means (3945), and the affiliate server 100 ) Generates payment result information including the payment processing details and transmits the generated payment result information to the payment request server 3780 and the client terminal (3950).

On the other hand, if the authorization for the payment amount is processed (3930), the affiliate server 100 generates the authorization information including the affiliate card information, the authorization amount (or payment amount) and merchant information (3955) In operation 3960, payment result information including the generated approval information is generated and transmitted to the payment request server 3780 and the client terminal.

Thereafter, the affiliate server 100 stores the approval history information in a predetermined approval history D / B (3965), and updates the approved approval amount by subtracting the approved amount from the utilization amount stored in the storage medium (3965). 3970).

40 is a diagram illustrating a post-approval process through an affiliate card according to an embodiment of the present invention.

In more detail, FIG. 40 illustrates a preliminary approval of a payment amount through the affiliate card through the online payment approval process shown in FIGS. 38 and / or 39, and a corresponding sanction. In the case of storing the details of the history, the card company server (110) for the online payment approval process for performing the post-approval of the payment amount through the approval approval history, having a general knowledge in the technical field to which the present invention belongs Growing up, it is possible to infer various implementation methods for the online payment approval process through the affiliate card by referring to and / or modifying this figure 40, but the present invention includes all the implementation methods inferred above, The technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 40, through the online payment approval process shown in FIG. 38 and / or FIG. 39, the affiliate server 100 preemptively approves the amount of payment through the affiliate card, and authorizes the affiliate card information and the authorization. In the case of generating approval authorization information including at least one person (or payment amount) and at least one affiliate information, and storing in the approval approval history D / B 3765, the affiliate server 100 may request the approval approval history D. Extract at least one approval information from the B / B 3765 (4000), and transmit the extracted approval information to the card company server 110 through the communication means, Request approval (4005).

Thereafter, the card company server 110 extracts the affiliate card information included in the approval history information (4010), and the affiliate card from the card information D / B 3770 based on the extracted affiliate card information. Check the utilization amount associated with the information (4015).

If the utilization amount corresponding to the affiliated card information included in the approval details information is confirmed (4025), the card company server 110 may determine the approved amount (or payment amount) included in the approval details information. In operation 4020, the terminal approves the approved amount (or settlement amount) by comparing the utilization amount with the used amount.

According to the exemplary embodiment of the present invention, when the approved amount (or settlement amount) included in the approved details information is smaller than the utilization amount, the approved amount (or settlement amount) is processed as being post-approved. In the online payment approval process shown in FIGS. 38 and / or 39, the approved amount (or payment amount) approved in the online payment approval process is mostly post-approved in the card company server 110.

If post-approval for the approved amount (or payment amount) is processed (4025), the card company server 110 is the affiliated card information, payment amount information, merchant information and payment approval information (e.g., payment approval number) Generate a payment processing history including a (4030), and further includes information on the affiliated organizations that approved the payment amount in the payment processing history and stores in the transaction history D / B (3775) (4035).

Thereafter, the card company server 110 transmits the payment processing history to the affiliate server 100 through the communication means (4040), and correspondingly, the affiliate server 100 transmits the payment included in the payment processing history. The approval information is processed as post-approval information on the approval details and stored in addition to the approval details (4045).

41 is a diagram showing the configuration of an online payment system through an affiliate card according to another embodiment of the present invention.

More specifically, Figure 41 is a view of Figures 2 and / or 5 and / or Figure 8 and / or Figure 11 and / or Figure 14 and / or Figure 17 and / or Figure 20 and / or Figure 23 and / or Figure 26. And / or after the predetermined allowance is deposited in the affiliate card registered through the card registration system shown in FIG. 29 through the allowance deposit system shown in FIG. 32 or the allowance operating system shown in FIG. In the payment processing based on at least one or more online payment channels of the online payment channel using a wired communication network and / or an online payment channel using a wireless communication network, based on the affiliate card in the affiliate server 100 The preliminary approval of the payment amount requested for payment approval through the payment channel is pre-executed, and the provisional approval D / B 4165 provided in the card company server 110 (or associated) As the online payment system for storing the history information, and those of ordinary skill in the art to which the present invention pertains, referring to and / or modified this figure 41 for the configuration of the offline card payment system through the affiliate card Various implementation methods may be inferred, but the present invention includes all the implementation methods inferred, and the technical features are not limited to the implementation method shown in FIG.

Referring to FIG. 41, the online payment system through the affiliate card includes at least one or more wired terminals connected to a predetermined wired communication network, and / or at least one or more wireless terminals connected to a predetermined wireless communication network. And the utilization amount information when the payment approval request using the payment request server 3780 and the affiliated card provided in the online merchant including at least one wired merchant and / or a wireless merchant connected to the client terminal through the communication network. It is characterized in that it comprises a partner server 100 for processing the approval of the payment amount based on the card company server 110 for processing the post-approval for the payment amount.

Here, the payment request server 3780 on the online payment system is a server provided in an online merchant including at least one wired merchant and / or a wireless merchant for the affiliate card, and performs online payment through the affiliate card. Generic term for all requesting servers.

According to the exemplary embodiment of the present invention, the payment request server 3780 includes at least one Internet shopping mall server, a content providing server, a messenger server, a portal server, a mail server, and the like, which requests online payment through the affiliate card. Or, the Internet shopping mall server, content providing server, messenger server, portal server, mail server, etc. It is preferable to include at least one or more payment gateway (PG) server.

Those skilled in the art to which the present invention pertains can infer various payment request servers 3780 for requesting online payment through the affiliated card in addition to the payment request server 3780 described above. Is characterized in that it comprises all kinds of inferred payment request server 3780.

In addition, the client terminal on the online payment system is connected to the payment request server 3780 through a predetermined communication network to purchase the tangible / intangible goods, and the corresponding purchase price payment processing through the affiliate card As a generic term for a terminal device, a wired terminal including at least one or more desktop computers and / or laptops connected to a predetermined wired communication network, or a personal communication system (PCS) and / or GSM connected to a predetermined wireless communication network. (Global System for Mobile communications) terminal and / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminal and / or Personal Digital Assistant (PDA) and / or smartphone (Smart Phone) and / or Telematics and / or wireless data communication terminal and / or portable internet terminal Even including the wireless terminal, or various kiosk (KIOSK) device and the IA terminal (e.g., IPTV, and so on) to at least one comprising at least one characterized in that formed.

In addition, the affiliate server 100 on the online payment system, the affiliated card-based payment-related server (or operated by the card issuing affiliated agency) provided to the card issuing affiliated agency to process payment approval for the affiliated card ( Or device) may be configured as the same server as the payment request server 3780 or may be configured as a separate server from the payment request server 3780, and the present invention is not limited thereto.

According to an exemplary embodiment of the present invention, the affiliate server 100 receives predetermined payment request information (eg, payment amount and merchant information and client terminal information) from the payment request server 3780, and the client terminal. After receiving the card information for the affiliated card from the, based on the card information to check the utilization amount for the affiliated card in conjunction with the storage medium (4160), based on the utilization amount the affiliated card Through the approval of the payment amount included in the payment request information, characterized in that the processing.

According to another exemplary embodiment of the present invention, the affiliate server 100 may provide predetermined payment request information (for example, payment amount and merchant information provided by the payment request server 3780 to the client terminal) from the client terminal. After receiving the card information for the affiliate card, check the utilization amount for the affiliate card in association with the storage medium based on the card information, and the payment through the affiliate card based on the utilization amount Characterized in that the payment amount contained in the request information.

According to an embodiment of the present invention, the communication network connecting the client terminal, the payment request server 3780 and the affiliate server 100 in the online payment system, at least one or more for securely transmitting and receiving the payment request information and card information It is characterized by providing an online payment protocol (eg, secure protocol).

Referring to FIG. 41, according to an embodiment of the present invention, the affiliate server 100 may include the payment request server 3780 and / or the client terminal and the online terminal through a communication network equipped with at least one online payment protocol. An interface unit 4100 for connecting and managing a communication channel for transmitting and receiving information (or data) corresponding to a payment protocol, and the payment request server 3780 according to the online payment protocol in connection with the interface unit 4100. An information receiving unit 4105 for receiving predetermined payment request information (for example, payment amount and merchant information and client terminal information) from the terminal, or receiving card information corresponding to the affiliated card from the client terminal according to the online payment protocol (Or information receiving means), characterized in that the payment request server When the payment request information is received from 3780, an interface for providing a payment interface for inputting card information corresponding to an affiliate card to the client terminal through client terminal information included in the payment request information according to the online payment protocol. It is characterized by further comprising a providing unit 4110.

In addition, the affiliate server 100 is linked to the interface unit 4100 predetermined payment result information including a payment processing history corresponding to the payment request information to the payment request server 3780 in accordance with the online payment protocol. Or an information transmission unit 4115 (or information transmission means) for transmitting predetermined payment result information including payment processing details through the card information to the client terminal according to the online payment protocol. It is characterized by.

According to the exemplary embodiment of the present invention, the interface unit 4100 receives the payment request information according to the communication protocol defined with the payment request server 3780 and transmits the payment result information corresponding to the payment request information. It is desirable to provide a communication interface for connecting and managing a communication channel.

According to an embodiment of the present invention, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit connects a communication channel with the client terminal based on the TCP / IP protocol. And outputting an online payment window corresponding to the online payment protocol based on the HTPP protocol defined in the browser program, receiving card information corresponding to an affiliate card input (or selected) through the online payment window, and receiving the card. It is desirable to provide a communication interface for connecting and managing a communication channel for transmitting payment result information corresponding to the information.

When the payment request server 3780 transmits the payment request information to the affiliate server 100 according to the online payment protocol, the information receiving unit 4105 is connected with the interface unit 4100 according to the online payment protocol. And receiving the payment request information. Subsequently, the interface provider 4110 responds to the affiliate card to the client terminal according to the online payment protocol based on the client terminal information included in the payment request information. And providing a payment interface (eg, an online payment window) for inputting (or selecting) card information.

Thereafter, when the client terminal inputs (or selects) card information corresponding to the affiliated card through the payment interface and transmits the information, the information receiver 4105 connects to the online payment protocol in association with the interface 4100. Accordingly, the card information is received.

If the affiliate server 100 completes the payment approval procedure through the payment request information and the card information and generates payment result information including a predetermined payment processing history, the information transmission unit 4115 may include the interface unit ( In connection with 4100, the payment result information is transmitted to the payment request server 3780 and a client terminal.

Those skilled in the art of the present invention will be familiar with the technical features for transmitting and receiving the payment request information, card information and payment result information according to the online payment protocol, the detailed description thereof is for convenience. Omit.

Referring to FIG. 41 according to another embodiment of the present invention, the affiliate server 100 may provide information (or data) corresponding to the client terminal and the online payment protocol through a communication network equipped with at least one online payment protocol. Interface unit 4100 for connecting and managing a communication channel for transmitting / receiving) and predetermined payment request information (e.g., payment amount and affiliate store) from the client terminal according to the online payment protocol in connection with the interface unit 4100. Information) and an information receiving unit 4105 (or information receiving means) for receiving card information corresponding to the association card.

In addition, the affiliate server 100 is an information transmission unit for transmitting the predetermined payment result information including the payment processing history through the card information to the client terminal in accordance with the online payment protocol in connection with the interface unit 4100. (4115) (or information transmission means) characterized in that it comprises.

According to the exemplary embodiment of the present invention, the interface unit 4100 receives the payment request information and the card information corresponding to the affiliated card according to the communication protocol defined with the client terminal, and the payment request information and the card information. It is desirable to provide a communication interface for connecting and managing a communication channel for transmitting corresponding payment result information.

According to an embodiment of the present invention, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit connects a communication channel with the client terminal based on the TCP / IP protocol. And outputting an online payment window corresponding to the online payment protocol based on the HTPP protocol defined in the browser program, receiving card information corresponding to an affiliate card input (or selected) through the online payment window, and receiving the card. It is desirable to provide a communication interface for connecting and managing a communication channel for transmitting payment result information corresponding to the information.

When the client terminal transmits the payment request information and the card information corresponding to the affiliated card to the affiliate server 100 according to the online payment protocol in, the information receiver 4105 is connected with the interface unit 4100. And receiving the payment request information and the affiliated card information according to the online payment protocol.

If the affiliate server 100 completes the payment approval procedure through the payment request information and the card information and generates payment result information including a predetermined payment processing history, the information transmission unit 4115 may include the interface unit ( In connection with 4100, the payment result information is transmitted to the client terminal.

Those skilled in the art of the present invention will be familiar with the technical features for transmitting and receiving the payment request information, card information and payment result information according to the online payment protocol, the detailed description thereof is for convenience. Omit.

Referring to FIG. 41, when the affiliate server 100 receives predetermined payment request information and card information corresponding to the affiliated card through the information receiving unit 4105, a storage medium storing the affiliated card information ( If the card information check unit 4120 (or card information checking means) for checking whether the received card information matches the affiliate card information in association with 4160, and the received card information matches the affiliate card information, A utilization checking unit 4125 (or a utilization checking unit) for checking a utilization amount associated with the card information in association with the storage medium 4160, and a payment amount and the utilization amount included in the payment request information; Comparing an amount of money and approving the payment through the affiliated card (or approval processing means), the approved authorization card information and the authorization amount information, merchant information and authorization And the gaseung the history information to the date and time information that have at least one of characterized in that formed by an information provider (4135) provided to the card company server 110 through the predetermined communication means (or information providing means).

When predetermined payment request information and card information corresponding to the affiliated card are received through the information receiving unit 4105, the card information checking unit 4120 may perform the above-described drawings 2 and / or 5 and / or 8 and / or. Or storing for storing the affiliate card information registered through the card registration system shown in FIGS. 11 and / or 14 and / or 17 and / or 20 and / or 23 and / or 26 and / or 29 The card 4160 may be connected with the medium 4160 to determine whether the received card information matches the affiliate card information.

When the received card information is matched with card information corresponding to the affiliated card as a result of the card information confirming unit 4120, the utilization checking unit 4125 is connected to the affiliated card information from the storage medium 4160. It is characterized by checking the associated utilization amount.

The approval processing unit 4130 compares the payment amount included in the payment request information received through the information receiving unit 4105 with the utilization amount confirmed through the utilization checking unit 4125, and the comparison result When the payment amount is less than or equal to the utilization amount, the payment approval for the payment amount is characterized in that the approval process.

In addition, when the approval of the payment amount is processed, the approval processing unit 4130, the approval information including at least one or more of the approved authorization card information, the authorization amount information, the merchant information and the approval date and time information In this case, the information transmission unit 4115 preferably generates payment result information including the payment processing details and transmits the generated payment result information to the client terminal.

On the other hand, if the payment result is greater than the utilization amount, the information providing unit 4135 provides the card company server, payment amount information and merchant information to the card company server 110 through a predetermined communication means; It is characterized in that for requesting that the payment amount to be approved.

Alternatively, when the payment amount is greater than the utilization amount as a result of the comparison, the approval processing unit 4130 may generate a payment processing history including payment error information for the payment card corresponding to the card information. In this case, the information transmitter 4115 may generate payment result information including the payment processing details and transmit the generated payment result information to the client terminal.

When the payment approval for the payment amount is approved by the approval processing unit 4130, the information providing unit 4135 may provide the approved affiliate card information, the approval amount information, the affiliate store information, and the approval date and time. Characterized by the approval information including at least one information characterized in that for transmitting to the card company server 110 through the communication means.

Referring to FIG. 41, the card company server 110 may include at least one of the affiliated card information, the approved amount of money information, the affiliated store information, and the approved date and time information through a predetermined communication means from the affiliated server 100. An information transmitting / receiving unit 4140 (or an information receiving unit) for receiving stamp information, and an information storage unit 4155 (or storing the received approval information) in a predetermined approval history D / B 4165 (or Information storage means).

The information transceiving unit 4140 may include at least one or more affiliate card information, authorization amount information, affiliate store information, and approval date and time information periodically from the affiliate server 100 through a predetermined communication means. And receiving approval information, and providing the received approval information to the information storage unit 4155.

When the approval history information is received through the information transceiving unit 4140, the information storage unit 4155 includes at least one of the received affiliate card information, authorization amount information, affiliate store information, and approval date and time information. It is characterized in that to store the approval authorization information to the predetermined approval history D / B (4165).

Referring to FIG. 41, the card company server 110 periodically checks the approval approval D / B 4165 to confirm at least one approval information for approval of at least one post-approval target (4145) ( Or payment approval confirmation means) and the affiliated card information included in the confirmed approval information, the payment approval request card information, and the payment approval processing unit processing the approval by processing the approval amount information as the payment amount 4150 (or payment approval processing means), and at least one of card information, payment amount information, merchant information, payment approval date and payment approval information (eg, payment approval number) corresponding to the payment approval result. And an information storage unit 4155 (or information storage means) for storing payment processing history information in a predetermined transaction history D / B 4175. Bride is characterized in that for transmitting the communication to the partner server 100, the settlement processing history information.

The payment approval confirmation unit 4145 periodically checks the approval details D / B 4165 to confirm at least one approval information for approval after approval, wherein the approval approval details are for approval afterwards. The information preferably includes all of the provisional approval history information that does not include the predetermined post-approval information.

The payment approval processing unit processes the affiliate card information included in the approval authorization information as payment approval request card information, processes the approval amount information as a payment amount, and then executes the affiliate card operation information for the affiliate card information. From the stored card information D / B (4170) is confirmed in connection with the affiliated card information and the stored usage amount, and compared with the authorization amount (or payment amount) and the utilization amount, and the comparison result If the phosphorus amount (or settlement amount) is less than or equal to the utilization amount, payment approval for the settlement amount is approved.

If the result of the comparison indicates that the approved amount (or payment amount) is greater than the utilization amount, the payment approval processing unit 4150 generates post-approval error information on the approved details information and transmits the information through the communication means. It is preferable to transmit to the affiliate server 100.

According to another exemplary embodiment of the present invention, when the approval result (or payment amount) is greater than the utilization amount, the payment approval processing unit 4150 may provide affiliate card operation information for the affiliate card information. The card limit amount stored in the card information D / B 4170 is linked to the affiliated card information, and the card limit amount is stored, and the approved amount (or payment amount) is compared with the card limit amount. When the amount of phosphorus (or the amount of payment) is less than or equal to the amount of the card limit, it is possible to approve payment approval for the amount of payment, and the present invention is not limited thereto.

Alternatively, when the approved amount (or settlement amount) is greater than the utilization amount and the approved amount (or settlement amount) is greater than the card limit amount, the payment approval processing unit 4150 may perform the comparison. It is preferable to generate the post-approval error information for the approval information and transmit the information to the affiliated server 100 through the communication means.

When the payment approval processing unit post-approves the approval information, the information storage unit 4155 may provide card information, payment amount (or approval amount) information, merchant information, and payment corresponding to the payment approval result. And payment processing history information including at least one or more approval date information and predetermined payment approval information (for example, payment approval number) in a predetermined transaction history D / B 4175, wherein the information transmission / reception unit ( 4140 is characterized in that for transmitting the payment processing history information to the affiliate server 100 by the communication means.

According to an embodiment of the present invention, the information storage unit 4155 stores the payment processing history information in the transaction history D / B 4175, and the affiliated agency information that approves the payment amount to the payment processing history. It is preferable to further include the storage.

According to another exemplary embodiment of the present invention, when the affiliate server 100 transmits the card information, the payment amount information, and the affiliated store information to the card company server 110 to request a real approval process, the information transmitting and receiving unit 4140. Characterized in that the card information, payment amount information and merchant information received from the affiliate server 100 through a predetermined communication means.

In the embodiment, the payment approval processing unit compares the payment amount and the card limit amount (or the total limit amount of the sum of the card limit amount and the utilization amount) based on the received card information, and approves the payment for the payment amount. The information storage unit 4155 may include at least one of card information, payment amount information, merchant information, payment approval date and payment approval information (eg, payment approval number) corresponding to the payment approval result. And the payment processing history information including the above information in a predetermined transaction history D / B 745, wherein the information transmitting and receiving unit 4140 stores the payment processing history information in the affiliate server 100. It characterized in that the transmission to.

42 is a diagram illustrating an online payment approval process through an affiliate card according to an embodiment of the present invention.

More specifically, Figure 42 shows the Figures 2 and / or 5 and / or Figure 8 and / or Figure 11 and / or Figure 14 and / or Figure 17 and / or Figure 20 and / or Figure 23 and / or Figure 26 And / or after the predetermined allowance is deposited in the affiliate card registered through the card registration system shown in FIG. 29 through the allowance deposit system shown in FIG. 32 or the allowance operating system shown in FIG. Based on at least one online payment channel of the online payment channel using a wired communication network and / or an online payment channel using a wireless communication network based on the payment, the online payment based on the affiliate card in the affiliate server 100 The preliminary approval of the payment amount requested for payment approval through the channel is pre-executed, and the approval for the approval approval D / B provided in the card company server 110 (or linked). An online payment approval process for storing station information. Specifically, payment request information including the payment amount and merchant information is received from the payment request server 3780 to the affiliate server 100 and the affiliate card information. Is for the online payment process received from the client terminal to the affiliate server 100.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 42 to infer various implementation methods for the online payment approval process through the affiliate card. It is made to include all the inferred implementation method, the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 42, a predetermined payment amount, merchant information, and a payment amount from a payment request server 3780 on the online card payment system illustrated in FIG. 41 to the affiliate server 100 through a communication network equipped with a predetermined online payment protocol. When the payment request information including the client terminal information is transmitted (4200), the affiliate server 100 transmits predetermined information to the client terminal according to the online payment protocol based on the client terminal information included in the payment request information. A payment interface is provided and output (4205).

Thereafter, the client terminal inputs (or selects) card information corresponding to the customer payment means through the payment interface (4210), and sends the card information corresponding to the customer payment means according to the online payment protocol to the affiliate server. And transmits to 100 (4215).

Those skilled in the art to which the present invention pertains receive the payment request information from the payment request server 3780 at the affiliate server 100 in response to the online payment protocol, and from the client terminal. Since you will be familiar with the process of receiving the card information corresponding to the customer payment method, a detailed description thereof will be omitted for convenience.

Thereafter, the affiliate server 100 determines that the card information received in association with the storage medium is the FIGS. 2 and / or 5 and / or 8 and / or 11 and / or 14 and / or 17 and / or FIG. Alternatively, it is checked whether the card information matches the affiliated card information registered through the card registration system illustrated in FIGS. 20 and / or 23 and / or 26 and / or 29 (4220).

If the received card information does not match the affiliate card information as a result of the check (4225), the affiliate server 100 cannot approve the payment amount based on the utilization amount, so that the card information and Generate a payment processing history including payment error information about the payment amount (4230), and generate payment result information including the generated payment processing history and transmits it to the payment request server 3780 and the client terminal (4265). ).

On the other hand, if it is determined that the received card information matches the affiliate card information (4225), the affiliate server 100 checks the utilization amount information associated with the affiliate card information in association with the storage medium. In operation 4240, the payment amount is compared with the utilization amount to approve the payment amount (4240).

If approval for the payment amount is not processed (4245), the affiliate server 100 transmits the affiliate card information, the payment amount, and the affiliated store information to the card company server 110 through the communication means. In response to the request (4250), in response, the card company server 110 refers to the card limit amount (or the total limit amount of the sum of the card limit amount and the utilization amount) for the affiliated card. Process the approval, generate a payment processing history corresponding to the actual approval result (4255), and transmits the payment processing history to the affiliate server 100 through the communication means (4260), the affiliate server 100 ) Generates payment result information including the payment processing details and transmits the generated payment result information to the payment request server 3780 and the client terminal (4265).

On the other hand, if the approval for the payment amount is processed (4245), the affiliate server 100 generates the authorization information including the affiliated card information, the approved amount (or payment amount) and merchant information (4270). In operation 4275, payment result information including the generated approval information is generated and transmitted to the payment request server 3780 and the client terminal.

Thereafter, the affiliate server 100 transmits the approval history information to the card company server 110 through a predetermined communication means (4280), and the card company server 110 transmits the predetermined approval history D / B to the card company server 110. The received approval information is stored (4285).

43 is a diagram illustrating an online payment approval process through an affiliate card according to another embodiment of the present invention.

More specifically, Figure 43 shows the Figures 2 and / or 5 and / or Figure 8 and / or Figure 11 and / or Figure 14 and / or Figure 17 and / or Figure 20 and / or Figure 23 and / or Figure 26 And / or after the predetermined allowance is deposited in the affiliate card registered through the card registration system shown in FIG. 29 through the allowance deposit system shown in FIG. 32 or the allowance operating system shown in FIG. Based on at least one online payment channel of the online payment channel using a wired communication network and / or an online payment channel using a wireless communication network based on the payment, the online payment based on the affiliate card in the affiliate server 100 The preliminary approval for the payment amount requested for payment approval through the channel is pre-executed, and the provisional approval D / B 4165 provided in the card company server 110 (or associated) As a history of on-line payment authorization process, which stores information, but specifically for the client terminal from the affiliate and merchant card information and payment information to process online payments are received by the affiliate server 100.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 43 to infer various implementation methods for the online payment approval process through the affiliate card. It is made to include all the inferred implementation methods, the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 43, when the client terminal on the online card payment system illustrated in FIG. 41 transmits predetermined card information, payment amount information, and merchant information to the affiliate server 100 through the online payment channel (4300). In addition, the affiliate server 100 may receive the card information received in association with the storage medium 4160 in FIGS. 2 and / or 5 and / or 8 and / or 11 and / or 14 and / or 17. And / or match the affiliate card information registered through the card registration system shown in FIGS. 20 and / or 23 and / or 26 and / or 29 (4305).

If the received card information does not match the affiliate card information as a result of the check (4310), the affiliate server 100 cannot approve the payment amount based on the utilization amount, so that the card information and Generate payment processing details including payment error information for the payment amount (4315), and generate payment result information including the generated payment processing history and transmits to the payment request server 3780 and the client terminal (4350). ).

On the other hand, if it is confirmed that the received card information is matched with the affiliate card information (4310), the affiliate server 100 is associated with the storage card 4160 utilization amount information associated with the affiliate card information Check (4320), and compare the payment amount and the utilization amount to process the approval of the payment amount (4325).

If approval for the payment amount is not processed (4330), the affiliate server 100 transmits the affiliate card information, the payment amount and the affiliated store information to the card company server 110 through the communication means for real approval. In response to the request (4335), the card company server 110 in response to the actual amount of the payment amount by referring to the card limit amount (or the total limit amount sum of the card limit amount and the utilization amount) for the affiliated card. Process the approval, generate payment processing details corresponding to the actual approval result (4340), transmit the payment processing details to the affiliate server 100 through the communication means (4345), and the affiliate server 100 ) Generates payment result information including the payment processing details and transmits the generated payment result information to the payment request server 3780 and the client terminal (4350).

On the other hand, if the approval of the payment amount is processed (4330), the affiliate server 100 generates the authorization information including the affiliated card information, the approved amount (or payment amount) and merchant information (4355) In operation 4360, the payment result information including the generated approval information is generated and transmitted to the payment request server 3780 and the client terminal.

Thereafter, the affiliate server 100 transmits the approval history information to the card company server 110 through predetermined communication means (4365), and the card company server 110 receives the predetermined approval. The received permission approval information is stored in the login details D / B 4165 (4370).

44 is a diagram illustrating a post-approval process through an affiliate card according to an embodiment of the present invention.

In more detail, FIG. 44 is a preliminary approval of the payment amount through the affiliate card in the affiliate server 100 through the online payment approval process shown in FIGS. In the case of storing the details of the history, the card company server (110) for the online payment approval process for performing the post-approval of the payment amount through the approval approval history, having a general knowledge in the technical field to which the present invention belongs If it grows, it will be able to infer various implementation methods for the online payment approval process through the affiliate card by referring to and / or modifying this drawing 44, the present invention comprises all the inferred implementation methods, The technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 44, through the online payment approval process shown in FIGS. 42 and / or 43, the affiliate server 100 preemptively approves the payment amount through the affiliate card, and the affiliate card information and the authorization In the case of generating approval information including at least one person (or payment amount) and at least one merchant information, and storing the approval information D / B 4165, the card company server 110 may request the approval information D. Confirm at least one post-approval target approval information from the / B 4165 (4400), and if at least one post-approval target approval information is confirmed (4405), the card company server 110 determines the approval Extracting the affiliated card information included in the at least one confirmed post-approval target approval information from the user history D / B 4165 (4410), and displaying the car based on the extracted affiliated card information. The utilization amount associated with the affiliated card information is checked from the card information D / B 4170 (4415).

If the utilization amount corresponding to the affiliated card information included in the approval history information is confirmed (4425), the card company server 110 determines the approved amount (or payment amount) included in the approval history information. After comparing the utilization amount and the authorization amount (or payment amount) to process the post-approval (4420).

According to the exemplary embodiment of the present invention, when the approved amount (or settlement amount) included in the approved details information is smaller than the utilization amount, the approved amount (or settlement amount) is processed as being post-approved. In the online payment approval process shown in FIGS. 42 and / or 43, the approved amount (or payment amount) approved in the online payment approval process is mostly post-approved in the card company server 110.

If post-approval for the approved amount (or payment amount) is processed (4425), the card company server 110 the affiliated card information, payment amount information, merchant information and payment approval information (e.g., payment approval number) Generate a payment processing history including a (4430), and further includes information on the affiliated organizations that approved the payment amount in the payment processing history and stores in the transaction history D / B (4175) (4435).

Thereafter, the card company server 110 transmits the payment processing history to the affiliate server 100 through the communication means (4440), and correspondingly, the affiliate server 100 transmits the payment included in the payment processing history. The approval information is processed as post-approval information on the approval details and stored in addition to the approval details (4445).

According to the present invention, at least one or more card issuing institutions leases a predetermined amount of card numbers from a predetermined card issuing affiliate to a predetermined lease method, or leases by a real-time lease (or real time signing) method to the card issuing affiliate. There is an advantage of reducing the time required for issuing an affiliate card for each of a plurality of card companies.

According to the present invention, the card issuing affiliated agency affiliated with the card issuing affiliated agency by insisting that the card issuing affiliated agency is responsible for a part of the card issuing procedure through the collective leasing method of the card number or a real-time leaseed (or real time signing) method. There is an advantage of greatly reducing the amount of work associated with the affiliated card among the work of the issuing organization.

According to the present invention, in the process of issuing a predetermined affiliate card through the collective leasing method of the card number or a real-time lease (or real-time sequencing) method, the card issuing affiliated institution sets the utilization amount for the affiliated card. Thereafter, when making an online payment using a wired communication network or a wireless communication network, the affiliate company approves and approves a predetermined payment amount within the use amount and periodically approves the approved amount. There is an advantage.

Claims (5)

Setting the utilization amount information assigned to the affiliate card by the affiliate at a predetermined utilization setting means when registering the predetermined affiliate card at a predetermined affiliate company; When the wired payment (or wireless payment) request is made using a merchant affiliate card, confirming the utilization amount information of the affiliate card by a predetermined utilization checking means; Comparing the utilization amount with the settlement amount using the affiliate card in a predetermined approval processing means and approving the wired settlement (or wireless settlement) if the settlement amount is less than or equal to the utilization amount; Storing at least one permission information on the predetermined storage medium by the predetermined information storage means; And And requesting a post-approval by transmitting at least one approval information on the approval of the payment medium in connection with the storage medium (or the storage medium operating means) to a card company server in a predetermined payment approval requesting means. How to pay by affiliate card. Setting the utilization amount information assigned to the affiliate card by the affiliate at a predetermined utilization setting means when registering the predetermined affiliate card at a predetermined affiliate company; When the wired payment (or wireless payment) request is made using a merchant affiliate card, confirming the utilization amount information of the affiliate card by a predetermined utilization checking means; Comparing the utilization amount with the settlement amount using the affiliate card in a predetermined approval processing means and approving the wired settlement (or wireless settlement) if the settlement amount is less than or equal to the utilization amount; Storing at least one permission information on the predetermined storage medium by the predetermined information storage means; And Confirming a post-approval process for at least one approval information in association with the storage medium (or storage medium operation means) in a predetermined payment approval confirmation means; Card payment method. The method of claim 1, When the post-approval processing for the merchant affiliate card, the information storage means further comprises the step of storing the payment approval information corresponding to the post-approval processing in the storage approval medium information on the storage medium; Affiliate card payment method using an authorization. A recording medium comprising a program for executing the method of claim 1 or 2. Utilization setting means for setting the utilization amount information assigned to the affiliate card by the affiliate when registering a given affiliate card at a given affiliate; Utilization checking means for checking the utilization amount information for the affiliate card when a wired settlement (or wireless settlement) request is made using a merchant affiliate card; Approving and processing means for approving the wired settlement (or wireless settlement) when the settlement amount is less than or equal to the utilization amount by comparing the utilization amount with the settlement amount using the affiliate card; Information storage means for storing at least one piece of approval information on a predetermined storage medium; And Affiliation card using a temporary approval, characterized in that it comprises a; payment approval request means for requesting the post-approval by transmitting at least one or more approval history information in connection with the storage medium (or storage medium operating means) to the card company server Payment system.
KR1020070028375A 2007-03-23 2007-03-23 System and method for payment of affiliated card by using temporary approval and program recording medium KR20090000705A (en)

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