KR20090000793A - Method and system for providing credit service based on mobile devices for minority and program recording medium - Google Patents

Abstract

A method and a system offering a minor object wireless terminal base credit loan service and a recording medium therefor are provided to allow the minor to be offered a credit loan, based on a monthly call charge, a data communication charge or arrear information about the communication charge, within the limits. A system offering a minor object wireless terminal base credit loan service comprises one or more card issue institution including a staff terminal in which a staff in charge of issuing the card users, a client terminal including one or more wireless terminal or wire terminal which the client uses if a card issuing system supports card issue request of the non-facing mode and a card issuing server(100), belonging to a communication company, connecting a communication channel and the client terminal or the staff terminal through network.

Description

Method and system for providing wireless terminal-based credit service for minors and recording medium therefor {Method and System for Providing Credit Service Based on Mobile Devices for Minority and Program Recording Medium}

1 is a diagram illustrating a card issuing system for a wireless terminal based credit service for minors according to an embodiment of the present invention.

2 is a diagram illustrating a card issuing process for a wireless terminal-based credit service for minors according to an embodiment of the present invention.

3 is a diagram illustrating a card issuing process for a wireless terminal based credit service for minors according to another embodiment of the present invention.

4 is a diagram illustrating a credit limit amount setting process for a wireless terminal-based credit service for minors according to an embodiment of the present invention.

5 is a diagram illustrating a card issuing system for a wireless terminal based credit service for minors according to another embodiment of the present invention.

6 is a diagram illustrating a card issuing process for a wireless terminal based credit service for minors according to an embodiment of the present invention.

7 is a diagram illustrating a card issuing process for a wireless terminal based credit service for minors according to another embodiment of the present invention.

8 is a diagram illustrating a credit limit amount setting process for a wireless terminal based credit service for minors according to another embodiment of the present invention.

9 is a diagram illustrating a credit terminal operating system for minors according to an embodiment of the present invention.

FIG. 10 is a diagram illustrating a charging method of a credit terminal based credit amount for minors according to an embodiment of the present invention.

FIG. 11 is a diagram illustrating a method of updating a credit terminal based credit limit amount for a minor according to an embodiment of the present invention.

12 is a diagram illustrating a method of limiting a credit limit amount for a wireless terminal based on a minor according to an embodiment of the present invention.

13 is a diagram illustrating a method of blocking a credit terminal based credit service for minors according to an embodiment of the present invention.

<Description of main parts of drawing>

100: card issuing server 105: interface unit

110: interface providing unit 115: information receiving unit

120: validation unit 125: information verification unit

130: information generating unit 135: card issuing unit

140: information calculation unit 145: information storage unit

150: card issuing unit 1 155: storage medium

160: card issuing device 165: card issuing terminal

170: communication company server 175: financial company server

The present invention provides the customer information (or minor information), the wireless terminal information of the customer (or minor), the credit limit amount information for the customer (or minor) and the parental consent information for the credit service in a predetermined information storage means. Linking and storing in a predetermined storage medium, and checking a credit limit including at least one or more of monthly call charges, data communication charges, and communication charge delinquency information for a predetermined period of time for the customer (or minor) in a predetermined information checking means; Confirming the information, calculating a new credit limit amount corresponding to the credit limit confirmation information based on the parental consent information in a predetermined information calculating means, and calculating the new credit limit calculated in the predetermined limit amount updating means. A wireless terminal for minors comprising updating and storing an amount in the storage medium It relates to loans based service delivery.

As the wireless communication infrastructure is expanded, minors often have a wireless terminal such as a mobile phone, and in this case, the communication fee payment account of the minor wireless terminal is mostly the parent (or parent) of the minor.

On the other hand, in order to facilitate economic activity through the wireless terminal can be issued a card associated with the wireless terminal, in this case, if the wireless terminal linked card is a credit card, the customer through the credit card various credits Loan services such as loan services can be provided.

However, in the wireless terminal-based credit service as described above, the minor who does not have economic capacity is included. However, if the minor's communication fee payment account is the minor's parent (or parent), the minor's economic capability is You may be dependent on the parent (or parent).

SUMMARY OF THE INVENTION An object of the present invention for solving the problem is to provide predetermined customer information (or minor information), wireless terminal information of the customer (or minor), credit limit amount information for the customer (or minor), and the credit service. Credit limit including at least one information storage means for storing in a predetermined storage medium in association with the parental consent information, and at least one monthly call fee, data communication fee and communication fee delinquent information for the customer (or minor) Updating the storage medium with information checking means for confirming confirmation information, information calculating means for calculating a new credit limit amount corresponding to the credit limit checking information based on the parental consent information, and the calculated new credit limit amount on the storage medium; Limit amount updating means for storing the information and the customer included in the credit limit amount In the case of confirming the credit service for the aged), a wireless terminal-based credit service providing system for minors is provided with a billing processing means for charging the credit amount to the communication fee of the customer (or minor).

In accordance with the present invention, a method for providing a wireless terminal-based credit service for a minor may include customer information (or minor information), wireless terminal information of the customer (or minor), and a credit limit for the customer (or minor) in a predetermined information storage means. Storing the amount information and the parental consent information for the credit service in a predetermined storage medium, and a monthly call fee, data communication fee and communication fee for a predetermined period of time for the customer (or minor) in a predetermined information checking means. Confirming credit limit confirmation information including at least one or more delinquent information; calculating a new credit limit amount corresponding to the credit limit confirmation information based on the parental consent information in a predetermined information calculating means; The new credit limit amount calculated by the limit amount updating means of the storage medium; It characterized by comprising the step of storing the update.

According to the present invention, a method for providing a wireless terminal based credit service for a minor may include a credit for the customer (or minor) included in the credit limit amount in connection with the storage medium (or storage medium operating means) in the information checking means. And checking the amount of money and charging the credit amount to the communication fee of the customer (or minor) in a predetermined billing processing unit.

On the other hand, the present invention includes a recording medium characterized by recording a program for executing the above-described method for providing a wireless terminal based credit service for minors.

Meanwhile, the wireless terminal-based credit service providing system for minors includes predetermined customer information (or minor information), wireless terminal information of the customer (or minor), credit limit amount information for the customer (or minor), and the credit service. Credit storage means for storing information stored in a predetermined storage medium in association with the parental consent information for the customer, and at least one or more of monthly call charges, data communication charges, and communication charge delinquency information for a predetermined period of time for the customer (or minor) Information confirmation means for confirming limit confirmation information, information calculation means for calculating a new credit limit amount corresponding to the credit limit confirmation information based on the parental consent information, and the calculated new credit limit amount to the storage medium. Limit amount updating means for updating and storing and said credit included in said credit limit amount When confirming the credit service for the customer (or minor), characterized in that it comprises a billing processing means for charging by charging the credit amount to the communication fee of the customer (or minor).

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.

1 is a diagram illustrating a card issuing system for a wireless terminal based credit service for minors according to an embodiment of the present invention.

In more detail, FIG. 1 illustrates that when a predetermined customer provides card issuance application information for a wireless terminal-based credit service for a given minor to a telecommunication company (or a card issuing agency) through a predetermined card issuing interface, the carrier (or card) is provided. Issuing organization) is a system configuration for issuing a wireless terminal linked card in the form of a predetermined MS (Magnetic Stripe) card or IC (Integrated Circuit) card to the customer based on the provided card issuance application information, the present invention belongs to Those skilled in the art will be able to infer various implementation methods for the card issuance system configuration for the wireless terminal based credit service for minors by referring to and / or modifying the present invention. It includes all the implementation methods inferred, and is not limited to the implementation method shown in FIG. do.

Hereinafter, at least one means for issuing a predetermined wireless terminal linked card to the customer based on the card issuance application information provided from the customer through a predetermined card issuing interface on the card issuing system shown in FIG. Or a component corresponding to the functional configuration is referred to as "card issuing server 100" for convenience.

Referring to FIG. 1 according to an embodiment of the present invention, the card issuing system for the wireless terminal-based credit service for minors may be used by a card issuing staff provided in at least one card issuing institution (or financial institution). And a staff terminal, and / or a client terminal including at least one wired terminal and / or a wireless terminal used by the customer when the card issuing system supports a non-face-to-face card issuing application. The employee terminal and / or client terminal is connected to the card issuance server 100 provided on the communication company (or card issuing organization) through a predetermined network means is connected to the communication channel.

According to one embodiment of the present invention, the customer visits the card issuing institution (or financial institution) for the wireless terminal-based credit service for the minor and through a window provided in the card issuing institution (or financial institution) ( Or a document for providing a predetermined card issuance application (eg, at least one information item for the wireless terminal-based credit service for minors) through the card issuing staff. (Or the card issuer visits the customer and asks the customer to fill out a predetermined card issuance application for the wireless terminal based credit service for the minor), and the card issuance application issuance Upon submission to the responsible staff member, the card issuing staff member will be The employee terminal inputs (or selects) information written in the card issuance application through the employee terminal, and the employee terminal is provided on the communication company (or card issuer) through the network means. It is preferable to transmit to the card issuing server 100.

Here, the employee terminal preferably comprises an employee terminal used by the card issuing staff provided in the card issuing institution (or financial institution), the card issuing server 100 connected to the employee terminal is the card issuance Preferably it comprises a server provided on an institution (or a financial institution, or a card issuing partner affiliated with the card issuing agency), the network means for connecting the employee terminal and the card issuing server 100 is It is preferable to include a communication network connecting the communication channel between the employee terminal and the card issuing server 100.

In the card issuing system as described above, a card issuance application created by the customer, an employee terminal used by the card issuing staff, and a communication network connecting the employee terminal and the card issuing server 100 are used by the customer. It performs a function of the card issuing interface for registering the card issuing application information for the target wireless terminal-based credit service.

According to another exemplary embodiment of the present invention, when the card issuing system supports a non-face-to-face card issuing 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 to the card issuing server 100 through at least one client terminal, and the card issuing application information for the wireless terminal-based credit service for the minor through at least one user interface provided by the card issuing server 100 If input (or selected), it is preferable to transmit from the client terminal to the card issuing server 100 provided on the communication company (or card issuer) 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, 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.

In addition, the client terminal outputs at least one user interface provided by the card issuing server 100, inputs and / or selects at least one or more information through the user interface, and transmits the same to the card issuing server 100. It is preferable that a function configuration (for example, a browser program and a communication function or a predetermined communication program and communication function to communicate with the card issuing server 100, etc.) is provided.

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

In the card issuing system, a client terminal including at least one or more wired terminals and / or wireless terminals used by the customer, at least one wired communication network connecting the client terminal and the card issuing server 100 and And / or the wireless communication network performs a function of a card issuing interface for the customer to register card issuing application information for the wireless terminal-based credit service for the minor.

According to another exemplary embodiment of the present invention, when the card issuing system supports a non-face-to-face card issuing application, the card issuing terminal 160, in addition to the employee terminal and / or client terminal, a predetermined communication network ( For example, it further comprises a financial automated machine (not shown) including an automatic teller machine (ATM), a cash dispenser (CD) connected to a financial common network, and / or a predetermined 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 mobile communication network, a wireless VoIP network, It further comprises a predetermined call terminal (not shown) connected to the wireless telephone network, and / or is provided in at least one or more institutions affiliated with the card issuer (or financial institution) Terminal (and / or server) (not shown) may be further included, whereby the present invention is not limited.

In the case of supporting a non-face-to-face card issuance application as described above, when the card issuing terminal 160 is the financial automated device (not shown), the financial automated device (not shown) and the financial automated device ( The communication network connecting the card issuing server 100 performs a function of a card issuing interface for the customer to register card issuing application information for the wireless terminal-based credit service for the minor, and / or the When the card issuing terminal 160 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 card issuing server 100. Performs a function of a card issuing interface for the customer to register card issuance application information for the mobile terminal based credit service for the minor, and / or When the card issuing terminal 160 is a terminal (and / or server) (not shown) provided in an institution affiliated with the card issuing institution (or financial institution), the terminal (and / or server) (not shown) And a network for connecting the terminal (and / or server) (not shown) to the card issuing server 100 so that the customer registers card issuance application information for the wireless terminal-based credit service for the minor. Perform the function of

The storage medium 150 provided on a communication company (or card issuer) according to the present invention provides a predetermined wireless terminal link card to the customer based on the card issuance application information provided from the card issuing terminal 160. After issuing, customer information (or minor information), parental consent information, wireless terminal information, customer account information, card information and credit limit amount for the wireless terminal linked card issued to the customer And store and store wireless terminal linked card issuance information including at least one information.

The customer information (or minor information) is customer personal information about a minor (or a prohibited person, or a limited amount), which cannot be used for credit services among telecommunication company customers who want to issue the wireless terminal link card among the telecommunication company users. For example, customer name, social security number, address, telephone number, e-mail address, etc.) and customer member information (eg, member ID information, etc.) are preferably included.

The parental authority consent information includes parental authority information corresponding to the legal representative of the customer (or minor), and the parental authority issues the wireless terminal link card to the customer (or minor), or a credit service through the wireless terminal link card. Preferably, the parental authority identification information confirms consent of the parental guardian for providing the parental guardian information, wherein the parental guardian information of the customer (or minor) (eg, the name of the parental authority, social security number, address, telephone number, email address) Etc.) and at least one parent member member information (e.g., member ID information, etc.), and the parental authority consent information is based on the parental authority consent process provided in the carrier (or card issuer). Card issuing institution).

According to an embodiment of the present invention, the parental authority consent information for issuing the wireless terminal linking card to the customer (or minor) includes the parental authority information and the parental authority for the wireless terminal linking card to the customer (or minor). It is desirable to include parental identification information agreeing to issue.

In addition, parental consent information for providing a credit service through the wireless terminal link card (or wireless terminal) to the customer (or minor), the parental authority information and the parental authority to the customer (or minor) wireless terminal link card (Or wireless terminal) It is preferable to include the paternity identification information that agrees to provide a credit service.

The wireless terminal information is unique information (eg, address information, identification code) for the wireless terminal owned (or possessed) by the telecommunications company to provide a wireless communication service to the customer (or minor), Or at least one or more unique numbers (eg, telephone numbers, identification numbers, or serial numbers (ESN), etc.).

The customer account information is associated with the wireless terminal when the wireless terminal linked card is associated with a predetermined financial account (for example, when the wireless terminal linked card includes any one of a check card, a debit card, and a cash card). As financial account information associated with a card, the customer account information may include a communication fee direct debit financial account information for the wireless terminal, real account information of the name of the customer (or minor), online account information, or virtual account information. At least one or more, or comprises at least one of the real account information, online account information, or virtual account information in the name of the parental authority, the wireless terminal link card is not associated with a predetermined financial account If not, it may be omitted.

The card information is payment means information (for example, credit card payment means information, check card payment means information, debit card payment means information, cash card issued to the customer (or minor) through the card issuing system shown in FIG. 1). Payment means information, prepaid card payment means information, etc.), the card number, card issuing institution code, the expiration date (some may be omitted), etc. preferably comprises at least one, predetermined limit amount information according to the intention of those skilled in the art It is preferred to further comprise a.

The credit limit amount information is a limit for providing a credit service of a predetermined amount per month to a wireless terminal linked card (or the wireless terminal) issued to the customer (or minor) through the card issuing system shown in FIG. Preferably, the credit limit amount information is set by the telecommunication company based on monthly call charges, data communication charges, and communication charge delinquency information for the customer (or minor). .

According to an embodiment of the present invention, the storage medium 150 is provided in a predetermined DBMS provided (or linked) in the communication company, or in a predetermined financial system provided (or linked) in the card issuer. Preferably, the storage medium 150 is a subscriber D / B provided to the DBMS of the telecommunication company, or a ledger D / B provided to the DBMS on the financial system, and / or the It may be a predetermined database associated with the ledger D / B, whereby the present invention is not limited.

According to another embodiment of the present invention, the storage medium 150 is an online payment system, and / or WAP-based wireless payment system, and / or provided on the carrier (or card issuer) It is possible to be provided in the DBMS on at least one or more of the IC chip-based wireless payment system, and / or tele payment system, whereby the present invention is not limited.

According to another embodiment of the present invention, the storage medium 150 is an Internet banking system, and / or a telebanking system provided on the carrier (or card issuer), and / or wireless. It is possible to be provided in a DBMS on at least one banking system, and / or a TV banking system, and the present invention is not limited thereby.

According to another embodiment of the present invention, the storage medium 150 is the customer information (or minor information), parental consent information, wireless terminal information, customer account information and the customer on the carrier (or card issuer) A predetermined DBMS interoperating with a server (or device) that performs a predetermined information processing function using the wireless terminal linked card issuance information including at least one of card information and credit limit amount information of the wireless terminal linked card issued to the user. It is preferable to be provided at this time, and the position where the storage medium 150 is provided may be variously performed according to the intention of those skilled in the art, whereby the present invention is not limited.

The card issuing server 100 provided on the telecommunication company (or card issuing organization) according to the present invention is a component of the communication company (or card issuing institution) side connected to the card issuing terminal 160 and a predetermined network means. Collectively, may be implemented by including at least one server (or device), and / or by at least one program recorded on a recording medium provided in a predetermined server (or device), whereby the present invention This is not limited.

According to an embodiment of the present invention, the card issuing server 100 includes an interface unit 105 (or interface means) for providing a predetermined card issuing interface to the card issuing terminal 160 through the network means. Characterized in that made.

According to an embodiment of the present invention, when the card issuing terminal 160 is an employee terminal connected to a predetermined communication network, the interface unit 105 is assigned to the employee terminal based on the protocol stack defined in the communication 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 issuance application program provided in the employee terminal.

According to another exemplary embodiment of the present invention, when the card issuing terminal 160 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 105 implements a protocol stack defined in the wired communication network. It is preferable to provide a communication interface for connecting at least one communication channel with the client terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 105 connects a communication channel with the client terminal based on the TCP / IP protocol. By using the HTPP protocol defined in the browser program, it provides a communication interface for transmitting and receiving web pages (eg, Hyper-Text Markup Language (HTML) compatible web pages) and / or information.

Alternatively, when the client terminal is provided with a predetermined card issuing application program provided by the card issuing server 100, the interface unit 105 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 issuing terminal 160 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 105 is a protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal and connecting a predetermined communication channel with 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 105 communicates with the client terminal based on the CDMA protocol. And a communication interface for transmitting and receiving web pages (e.g., WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information using the WAP / ME protocol defined in the browser program. .

Or, if the client terminal is provided with a card issuance application program provided by the card issuance server 100, the interface unit 105 connects a communication channel with the client terminal based on the CDMA protocol, the communication Provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the program.

Referring to FIG. 1, the card issuing server 100 interworks with the interface unit 105 when a predetermined card issuing terminal 160 is connected to the card issuing server 100 through the interface unit 105. Interface providing unit for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined card issuing application information from the card issuing terminal 160 to the card issuing terminal 160. 110 (or an interface providing means) and information for receiving predetermined card issuing application information input (or selected) and transmitted from the card issuing terminal 160 through the user interface in association with the interface unit 105. Issuing the wireless terminal linked card to the customer (or minor) based on the receiving unit 115 (or information receiving means) and the received card issuance application information, and / or the non- It characterized by comprising a terminal provided with a card associated validity authentication unit 120 to verify the validity of the credit service provider for (or mobile station) (or validity authentication means).

The interface providing unit 110 corresponds to a functional configuration provided in the card issuing terminal 160 when a predetermined card issuing terminal 160 is connected to the card issuing server 100 through the interface unit 105. Generate (or select) the card issuing application information and generate a predetermined user interface which can be transmitted to the card issuing server 100 via the network means, and / or is extracted from a predetermined database (not shown). And provide the user interface generated (or extracted) in cooperation with the interface unit 105 to the card issuing terminal 160 through the network means.

Thereafter, the card issuing terminal 160 inputs (or selects) the card issuing application information based on the user interface, and the card issuing server information is input (or selected) through the network means. Send to 100.

According to an embodiment of the present invention, when the card issuing terminal 160 is an employee terminal connected to a predetermined communication network, the interface providing unit 110 may provide a predetermined card issuing application program provided in the employee terminal. It is preferable to generate (or extract) a user interface and provide the created (or extracted) user interface to the employee terminal through the interface unit 105.

According to another exemplary embodiment of the present invention, when the card issuing terminal 160 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface providing unit 110 is a browser program provided in the client terminal. And / or generate (or extract) a predetermined user interface that can be provided to the communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 105.

According to another exemplary embodiment of the present invention, when the card issuing terminal 160 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 110 is a browser provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided by a program and / or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 105.

The information receiving unit 115 inputs (or selects) predetermined card issuing application information from the card issuing terminal 160 through the user interface and transmits the same through the network means. Characterized in that it receives the card issuing application information, and provides the received card issuing application information to the validity authentication unit 120 or information generation unit 130.

According to an embodiment of the present invention, the card issuance application information includes at least one of customer information (or minor information), parental consent information, wireless terminal information, and customer account information.

Here, the customer information (or minor information) is a customer individual for a minor (or a prohibited person, or a limited amount, etc.) whose credit service is not available among telecommunication company customers who want to issue the wireless terminal link card among the telecommunication company users. It is preferable to include information (eg, customer name, social security number, address, telephone number, e-mail address, etc.) and at least one or more customer member information (eg, member ID information).

The parental authority consent information includes parental authority information corresponding to the legal representative of the customer (or minor), and the parental authority issues the wireless terminal link card to the customer (or minor), or a credit service through the wireless terminal link card. Preferably, the parental authority identification information confirms consent of the parental guardian for providing the parental guardian information, wherein the parental guardian information of the customer (or minor) (eg, the name of the parental authority, social security number, address, telephone number, email address) Etc.) and at least one parent member member information (e.g., member ID information, etc.), and the parental authority consent information is based on the parental authority consent process provided in the carrier (or card issuer). Card issuing institution).

According to an embodiment of the present invention, the parental authority consent information for issuing the wireless terminal linking card to the customer (or minor) includes the parental authority information and the parental authority for the wireless terminal linking card to the customer (or minor). It is desirable to include parental identification information agreeing to issue.

In addition, parental consent information for providing a credit service through the wireless terminal link card (or wireless terminal) to the customer (or minor), the parental authority information and the parental authority to the customer (or minor) wireless terminal link card (Or wireless terminal) It is preferable to include the paternity identification information that agrees to provide a credit service.

The wireless terminal information is unique information (eg, address information, identification code) for the wireless terminal owned (or possessed) by the telecommunications company to provide a wireless communication service to the customer (or minor), Or a unique number (eg, a telephone number, an identification number, or an serial number (ESN), etc.).

The customer account information is the wireless terminal linked card when the wireless terminal linked card is associated with a predetermined financial account (for example, the wireless terminal linked card includes any one of a check card, debit card, cash card), the wireless terminal linked card Financial account information associated with, wherein the customer account information is at least a communication charge direct debit financial account information for the wireless terminal, real account information of the customer (or minor) name, or online account information, or virtual account information It is preferable to include one or more, or to include at least one of the real account information, online account information, or virtual account information of the parental authority name, wherein the wireless terminal link card is not associated with a predetermined financial account In this case, it may be omitted.

The validity authentication unit 120 issues the wireless terminal link card to the customer (or minor) based on the received card issuance application information, and / or a credit service for the wireless terminal link card (or wireless terminal). It is characterized by checking the validity of the offer.

According to an embodiment of the present invention, the validity check for issuing the wireless terminal linked card to the customer (or minor) and / or providing a credit service for the wireless terminal linked card (or the wireless terminal) may be performed. Based on the customer information (or minor information) included in the application information, the customer (or minor) is connected to the predetermined communication company server 170 having the carrier subscriber D / B through a predetermined communication means. It is preferable to include checking whether it is a customer.

In addition, the validity check for issuing the wireless terminal linked card to the customer (or minor) and / or providing a credit service for the wireless terminal linked card (or wireless terminal) may be included in the card issuance application information. It is preferable to include checking whether the consent information (eg, parental authority information, or parental authority identification information) is valid. It is preferable to comprise.

In addition, validity of issuing the wireless terminal linked card to the customer (or minor) and / or providing a credit service for the wireless terminal linked card (or wireless terminal) may be included in the card issuance application information. Based on the terminal information, whether the customer (or a minor) is using a wireless terminal corresponding to the wireless terminal information in connection with a predetermined carrier server 170 having the carrier subscriber D / B through a predetermined communication means. It is preferable to include checking.

In addition, validity of issuing the wireless terminal linked card to the customer (or minor) and / or providing a credit service for the wireless terminal linked card (or wireless terminal) may be included in the card issuance application information. In the case where the information is included, it is preferable to include checking whether the customer account is a valid financial account in association with the financial company server 175 corresponding to the customer account.

Referring to FIG. 1, the card issuing server 100 checks the validity of the card issuing application information, and the parental authority agreement information included in the card issuing application information is linked to the wireless terminal to the customer (or minor). If you agree to issue the card, the information generating unit 130 (or information) for generating (or extracting) predetermined card information corresponding to the wireless terminal linked card to be issued to the customer based on the received card issuance application information. Generating means), a card issuing unit 135 (card issuing means) for issuing a predetermined wireless terminal linked card including the card information through a predetermined card issuing device 155, and a wireless terminal issued to the customer. And an information storage unit 145 (or information storage means) for storing the wireless terminal linked card issuance information corresponding to the linked card in the storage medium 150. The.

The information generating unit 130 generates (or extracts) predetermined card information to be provided in the wireless terminal link card to the customer based on the card issuing application information received through the information receiving unit 115. The card information includes at least one card number (eg, 16-digit card number), expiration date information (some may be omitted), and card issuer information (or code) corresponding to the wireless terminal linked card. .

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.

Preferably, the expiration date information includes a period (or an expiration date and time) in which the radio terminal link card can be used, and may be omitted when an expiration date does not exist in the radio terminal link card. This is not limited.

The card issuer information (or code) preferably comprises at least one unique number (or unique code) assigned to the card issuer (or financial company) that issues the wireless terminal linked card to the customer.

When the predetermined card information included in the wireless terminal link card is generated by the information generating unit 130, the card issuing unit 135 includes the card information through a predetermined card issuing device 155. A terminal linking card is produced (or the card information is included in the radio linking card), wherein the radio linking card is provided (or delivered) to the customer.

If the wireless terminal link card is an MS (Magnetic Stripe) card, the card issuing device 155 is configured to include at least one MS track (eg, track I, track II, track III) included in the wireless terminal link card. And an apparatus for recording card information, wherein the information generating unit 130 generates (or extracts) card information in a data structure recordable in at least one or more MS tracks, and the card issuing unit 135. The card issuer 155 records card information in at least one or more MS tracks to issue a predetermined wireless terminal link card to be issued to the customer.

Alternatively, if the wireless terminal link card is an IC (Integrated Circuit) card, the card issuing device 155 comprises a device for recording the card information in a memory provided in the IC chip of the wireless terminal link card, In this case, the information generation unit 130 generates (or extracts) the card information in a file structure operable through a COS (Chip Operating System) provided in the IC chip, and the card issuing unit 135 performs the card The card information is recorded in the memory of the IC chip through the issuing device 155 to issue a predetermined wireless terminal link card to be issued to the customer.

The wireless terminal link card manufactured as described above is provided to the customer and / or is delivered to the customer according to a predetermined card providing procedure, after which the customer is provided through a communication company (or a card issuer) according to the present invention. The wireless terminal link card is used.

Thereafter, the information storage unit 145 stores customer information (or minor information), parental authority agreement information, wireless terminal information, and customer account information included in the card issuance application information received from the customer through the information receiving unit 115. And storing the wireless terminal linked card issuing information including at least one card information on the wireless terminal linked card issued to the customer in the storage medium 150.

Here, the customer information (or minor information) is a customer individual for a minor (or a prohibited person, or a limited amount, etc.) whose credit service is not available among telecommunication company customers who want to issue the wireless terminal link card among the telecommunication company users. It is preferable to include information (eg, customer name, social security number, address, telephone number, e-mail address, etc.) and at least one or more customer member information (eg, member ID information).

The parental authority consent information includes parental authority information corresponding to the legal representative of the customer (or minor), and the parental authority issues the wireless terminal link card to the customer (or minor), or a credit service through the wireless terminal link card. Preferably, the parental authority identification information confirms consent of the parental guardian for providing the parental guardian information, wherein the parental guardian information of the customer (or minor) (eg, the name of the parental authority, social security number, address, telephone number, email address) Etc.) and at least one parent member member information (e.g., member ID information, etc.), and the parental authority consent information is based on the parental authority consent process provided in the carrier (or card issuer). Card issuing institution).

According to an embodiment of the present invention, the parental authority consent information for issuing the wireless terminal linking card to the customer (or minor) includes the parental authority information and the parental authority for the wireless terminal linking card to the customer (or minor). It is desirable to include parental identification information agreeing to issue.

In addition, parental consent information for providing a credit service through the wireless terminal link card (or wireless terminal) to the customer (or minor), the parental authority information and the parental authority to the customer (or minor) wireless terminal link card (Or wireless terminal) It is preferable to include the paternity identification information that agrees to provide a credit service.

The wireless terminal information is unique information (eg, address information, identification code) for a wireless terminal owned (or possessed) by the customer to provide a wireless communication service to the customer (or minor) by the telecommunication company, Or at least one or more unique numbers (eg, telephone numbers, identification numbers, or serial numbers (ESN), etc.).

The customer account information is the wireless terminal linked card when the wireless terminal linked card is associated with a predetermined financial account (for example, the wireless terminal linked card includes any one of a check card, debit card, cash card), the wireless terminal linked card Financial account information associated with, wherein the customer account information is at least a communication charge direct debit financial account information for the wireless terminal, real account information of the customer (or minor) name, or online account information, or virtual account information It is preferable to include one or more, or to include at least one of the real account information, online account information, or virtual account information of the parental authority name, wherein the wireless terminal link card is not associated with a predetermined financial account In this case, it may be omitted.

The card information is payment means information (for example, credit card payment means information, check card payment means information, debit card payment means information, cash card issued to the customer (or minor) through the card issuing system shown in FIG. 1). Payment means information, prepaid card payment means information, etc.), the card number, card issuing institution code, the expiration date (some may be omitted), etc. preferably comprises at least one, predetermined limit amount information according to the intention of those skilled in the art It is preferred to further comprise a.

Referring to FIG. 1, the card issuing server 100 checks the validity of the card issuing application information, and the parental authority agreement information included in the card issuing application information is linked to the wireless terminal to the customer (or minor). In case of agreeing to provide credit service for card (or wireless terminal), monthly call fee, data communication fee and communication for a certain period of time for the customer (or minor) in connection with the communication company server 170 through a predetermined communication means Information checking unit for checking the credit limit confirmation information including at least one charge overdue information and the like, and reading the credit limit confirmation information to determine whether a credit limit amount of a certain amount or more can be given to the customer (or minor) ( 125) (or information confirmation means), and the monthly currency included in the credit limit confirmation information when confirming the credit limit amount grant And an information calculating unit 140 (or information calculating means) for reading credit, data communication charges, and communication charge delinquent information, and calculating credit limit amount information for the customer (or minor). The information storage unit 145 further stores the credit limit amount information in the wireless terminal linked card issuance information.

According to another embodiment of the present invention, the credit limit amount registration process for the wireless terminal linked card (or wireless terminal) is to provide a credit service for the wireless terminal linked card (or wireless terminal) to the customer (or minor). When consenting parental consent information is registered through a separate information registration procedure in addition to the card issuing procedure, the parental consent information may be performed at the time of registration of the parental consent information, and the present invention is not limited thereto.

The information confirmation unit 125 confirms predetermined credit limit confirmation information including monthly call charges for a predetermined period of time for the customer (or minor) in connection with the communication company server 170 through a predetermined communication means, When the monthly call charge for the predetermined period is more than a certain amount, it is characterized in that the predetermined credit limit amount is given to the customer (or minor).

In addition, the information confirmation unit 125 confirms predetermined credit limit confirmation information including monthly data communication fee for a predetermined period of time for the customer (or minor) in connection with the communication company server 170 through a predetermined communication means. And, if the monthly data communication fee for the identified period of time is more than a certain amount, characterized in that it is confirmed that a predetermined credit limit amount is given to the customer (or minor).

In addition, the information checking unit 125 is connected to the communication company server 170 via a predetermined communication means for obtaining predetermined credit limit confirmation information including communication fee delinquency information for a predetermined period of time for the customer (or minor). When the communication fee is not overdue for the identified period of time, it is confirmed that a predetermined credit limit is given to the customer (or minor).

The information calculating unit 140 calculates predetermined credit limit amount information corresponding to the monthly call fee when the monthly call charge for the predetermined period included in the confirmed credit limit checking information is equal to or greater than a predetermined amount. It features.

In addition, when the monthly data communication fee for a predetermined period included in the confirmed credit limit confirmation information is determined to be equal to or greater than the amount, the information calculating unit 140 obtains predetermined credit limit amount information corresponding to the monthly data communication fee. It is characterized by calculating.

In addition, the information calculating unit 140 calculates predetermined credit limit amount information corresponding to the communication fee delinquency information when the communication fee delinquency for the predetermined period included in the confirmed credit limit confirmation information is not present during the period. Characterized in that.

When the predetermined credit limit amount information is calculated by the information calculating unit 140, the information storage unit 145 further stores the credit limit amount information in the wireless terminal linked card issuance information. .

Here, the credit limit amount information provides a credit service of a certain amount per month to a wireless terminal linked card (or the wireless terminal) issued to the customer (or minor) through the card issuing system shown in FIG. It is preferable that the limit amount information is included.

2 is a diagram illustrating a card issuing process for a wireless terminal based credit service for minors according to an embodiment of the present invention.

In more detail, in FIG. 2, in the card issuing system shown in FIG. 1, a predetermined customer prepares a predetermined card issuing application through a face-to-face card issuing interface (eg, the card issuing application, employee terminal, and network means). When the card issuance officer submits to the card issuing staff, the card issuing staff enters (or selects) card issuing application information corresponding to the card issuing application through a predetermined card issuing terminal 160 and the card issuing server 100. In this case, the card issuing server 100 illustrates a process of issuing a wireless terminal linked card for the wireless terminal-based credit service for the minor to the customer based on the card issuing application information. If one of ordinary skill in the art, refer to and / or modified the present invention Figure 2 wireless to the minor For the horse based credit service would be able to infer a variety of exemplary ways to issue the wireless terminal associated card, the present invention includes all of the exemplary method of the inference, not limited to the exemplary method shown in the figure 2.

For example, although FIG. 2 illustrates that the wireless terminal linked card is produced and provided to the customer (or shipped), the wireless medium linked card issuance information is stored in the storage medium 150. According to the intention of the process of storing the predetermined card information issued by the wireless terminal in the storage medium 150 is provided to the customer before manufacturing the wireless terminal card, or after the wireless terminal card is produced (or Before delivery), and the present invention is not limited thereto.

Hereinafter, in FIG. 2, the card issuing terminal 160 shown in FIG. 1 is referred to as a "terminal" for convenience, and the card issuing server 100 is referred to as a "server" for convenience.

Referring to Figure 2, the customer is issued through the face-to-face card issuance interface (for example, the card issuance application, employee terminal and network means) to issue the wireless terminal linked card for the wireless terminal based credit service for the minor When a predetermined card issuance application (for example, a document having a form for filling in at least one information item for the wireless terminal-based credit service for minors) is completed and submitted to the card issuing staff, the card issuing staff The terminal receives (or selects) card issuance application information corresponding to the card issuance application written by the customer through a predetermined user interface (200), and transmits the card issuance application information to the server through the network means. (205).

According to an embodiment of the present invention, the card issuance application information includes at least one of customer information (or minor information), parental consent information, wireless terminal information, and customer account information.

Here, the customer information (or minor information) is a customer individual for a minor (or a prohibited person, or a limited amount, etc.) whose credit service is not available among telecommunication company customers who want to issue the wireless terminal link card among the telecommunication company users. It is preferable to include information (eg, customer name, social security number, address, telephone number, e-mail address, etc.) and at least one or more customer member information (eg, member ID information).

The parental authority consent information includes parental authority information corresponding to the legal representative of the customer (or minor), and the parental authority issues the wireless terminal link card to the customer (or minor), or a credit service through the wireless terminal link card. Preferably, the parental authority identification information confirms consent of the parental guardian for providing the parental guardian information, wherein the parental guardian information of the customer (or minor) (eg, the name of the parental authority, social security number, address, telephone number, email address) Etc.) and at least one parent member member information (e.g., member ID information, etc.), and the parental authority consent information is based on the parental authority consent process provided in the carrier (or card issuer). Card issuing institution).

According to an embodiment of the present invention, the parental authority consent information for issuing the wireless terminal linking card to the customer (or minor) includes the parental authority information and the parental authority for the wireless terminal linking card to the customer (or minor). It is desirable to include parental identification information agreeing to issue.

In addition, parental consent information for providing a credit service through the wireless terminal link card (or wireless terminal) to the customer (or minor), the parental authority information and the parental authority to the customer (or minor) wireless terminal link card (Or wireless terminal) It is preferable to include the paternity identification information that agrees to provide a credit service.

The wireless terminal information is unique information (eg, address information, identification code) for the wireless terminal owned (or possessed) by the telecommunications company to provide a wireless communication service to the customer (or minor), Or at least one or more unique numbers (eg, telephone numbers, identification numbers, or serial numbers (ESN), etc.).

The customer account information is associated with the wireless terminal when the wireless terminal linked card is associated with a predetermined financial account (for example, when the wireless terminal linked card includes any one of a check card, a debit card, and a cash card). As financial account information associated with a card, the customer account information may include a communication fee direct debit financial account information for the wireless terminal, real account information of the name of the customer (or minor), online account information, or virtual account information. At least one or more, or comprises at least one of the real account information, online account information, or virtual account information in the name of the parental authority, the wireless terminal link card is not associated with a predetermined financial account If not, it may be omitted.

Thereafter, the server receives and reads the card issuing application information from the terminal through the network means to verify the validity of issuing the wireless terminal linked card to the customer (or minor) based on the card issuing application information. (210).

According to an embodiment of the present invention, the validity confirmation for issuing the wireless terminal linked card to the customer (or minor) is based on predetermined communication means based on the customer information (or minor information) included in the card issuance application information. In connection with a predetermined carrier server 170 having the carrier subscriber D / B through it is preferable to include whether the customer (or minor) is the carrier customer.

In addition, the validity confirmation for issuing the wireless terminal linked card to the customer (or minor) is to confirm that the parental authority consent information (eg, parental authority information or parental authority identification information) included in the card issuance application information is valid. Preferably, the verification of the validity of the parental authority consent information includes a parental authority verification procedure provided in the communication company (or card issuer).

In addition, the validity confirmation for issuing the wireless terminal linked card to the customer (or minor) is provided with the carrier subscriber D / B through a predetermined communication means based on the wireless terminal information included in the card issuance application information. In connection with a predetermined communication company server 170, it is preferable to include whether the customer (or minor) is using a wireless terminal corresponding to the wireless terminal information.

In addition, the validity check for issuing the wireless terminal linked card to the customer (or minor) is linked with the financial company server 175 corresponding to the customer account when the card issue application information includes the customer account information. It is preferable to include a check that the customer account is a valid financial account.

If the validity to issue the wireless terminal linked card to the customer is not authenticated through the card issuing application information (215), the server provides the card issuing error information to the customer through the card issuing interface; 220), issuing the wireless terminal linked card to the customer.

On the other hand, if the validity for issuing the wireless terminal linked card to the customer is authenticated through the card issuing application information (215), the server corresponds to the wireless terminal linked card to be issued to the customer based on the card issuance application information. Generate (or extract) predetermined card information (225), and the card information includes a card number (eg, 16-digit card number), an expiration date information (some may be omitted), and a card issuance corresponding to the wireless terminal linked card. It includes at least one or more agency 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.

Preferably, the expiration date information includes a period (or an expiration date and time) in which the radio terminal link card can be used, and may be omitted when an expiration date does not exist in the radio terminal link card. This is not limited.

The card issuer information (or code) preferably comprises at least one or more unique numbers (or unique codes) assigned to the card issuer (or financial company) that issues the wireless terminal linked card to the customer.

According to an embodiment of the present invention, if the wireless terminal link card is an MS card, the generated card information preferably includes a data structure that can be recorded in at least one or more MS tracks provided in the MS card.

According to another embodiment of the present invention, if the wireless terminal link card is an IC card, the generated card information preferably includes a file structure operable through a chip operating system (COS) provided in the IC chip. .

Thereafter, the server prepares a predetermined wireless terminal link card with the card information through a predetermined card issuing device 155 and provides (or delivers) the card to the customer (230).

According to an embodiment of the present invention, if the wireless terminal associated card is an MS card, the card issuing device 155 may include at least one or more MS tracks (eg, track I, track II, and track III included in the wireless terminal linked card). Preferably includes a device for recording the card information.

According to another embodiment of the present invention, if the wireless terminal link card is an IC card, the card issuing device 155 includes an apparatus for recording the card information in a memory provided in the IC chip of the wireless terminal link card. It is preferable to make.

Thereafter, the server receives customer information (or minor information), parental consent information, wireless terminal information, customer account information, and wireless terminal issued to the customer included in the card issuing application information provided from the customer through the card issuing interface. The wireless terminal linked card issuance information including at least one card information for the linked card is stored in the storage medium 150 (235).

Here, the customer information (or minor information) is a customer individual for a minor (or a prohibited person, or a limited amount, etc.) whose credit service is not available among telecommunication company customers who want to issue the wireless terminal link card among the telecommunication company users. It is preferable to include information (eg, customer name, social security number, address, telephone number, e-mail address, etc.) and at least one or more customer member information (eg, member ID information).

The parental authority consent information includes parental authority information corresponding to the legal representative of the customer (or minor), and the parental authority issues the wireless terminal link card to the customer (or minor), or a credit service through the wireless terminal link card. Preferably, the parental authority identification information confirms consent of the parental guardian for providing the parental guardian information. Etc.) and at least one parent member member information (e.g., member ID information, etc.), and the parental authority consent information is based on the parental authority consent process provided in the carrier (or card issuer). Card issuing institution).

According to an embodiment of the present invention, the parental authority consent information for issuing the wireless terminal linking card to the customer (or minor) includes the parental authority information and the parental authority for the wireless terminal linking card to the customer (or minor). It is desirable to include parental identification information agreeing to issue.

In addition, parental consent information for providing a credit service through the wireless terminal link card (or wireless terminal) to the customer (or minor), the parental authority information and the parental authority to the customer (or minor) wireless terminal link card (Or wireless terminal) It is preferable to include the paternity identification information that agrees to provide a credit service.

The wireless terminal information is unique information (eg, address information, identification code) for the wireless terminal owned (or possessed) by the customer to provide a wireless communication service to the customer (or minor) by the telecommunication company, Or at least one or more unique numbers (eg, telephone numbers, identification numbers, or serial numbers (ESN), etc.).

The customer account information is the wireless terminal linked card when the wireless terminal linked card is associated with a predetermined financial account (for example, the wireless terminal linked card includes any one of a check card, debit card, cash card), the wireless terminal linked card Financial account information associated with, wherein the customer account information is at least a communication charge direct debit financial account information for the wireless terminal, real account information of the customer (or minor) name, or online account information, or virtual account information It is preferable to include one or more, or to include at least one of the real account information, online account information, or virtual account information of the parental authority name, wherein the wireless terminal link card is not associated with a predetermined financial account In this case, it may be omitted.

The card information is payment means information (for example, credit card payment means information, check card payment means information, debit card payment means information, cash card issued to the customer (or minor) through the card issuing system shown in FIG. 1). Payment means information, prepaid card payment means information, etc.), and preferably includes at least one or more of the card number, card issuer code, expiration date (some may be omitted), and according to the intention of the skilled person It is preferred to further comprise a.

According to an embodiment of the present invention, the storage medium 150 is provided in a predetermined DBMS provided (or linked) in the communication company, or in a predetermined financial system provided (or linked) in the card issuer. Preferably, the storage medium 150 is a subscriber D / B provided to the DBMS of the telecommunication company, or a ledger D / B provided to the DBMS on the financial system, and / or the It may be a predetermined database associated with the ledger D / B, whereby the present invention is not limited.

According to another embodiment of the present invention, the storage medium 150 is an online payment system, and / or WAP-based wireless payment system, and / or provided on the carrier (or card issuer) It is possible to be provided in the DBMS on at least one or more of the IC chip-based wireless payment system, and / or tele payment system, whereby the present invention is not limited.

According to another embodiment of the present invention, the storage medium 150 is an Internet banking system, and / or a telebanking system provided on the carrier (or card issuer), and / or wireless. It is possible to be provided in a DBMS on at least one banking system of a banking system, and / or a TV banking system, whereby the present invention is not limited.

3 is a diagram illustrating a card issuing process for a wireless terminal based credit service for minors according to another embodiment of the present invention.

In more detail, FIG. 3 shows a non-face-to-face card issuing interface (e.g., client terminal and network means including at least one of a wired terminal and / or a wireless terminal) by a predetermined customer in the card issuing system shown in FIG. When the card issuing server 100 is connected to the card issuing application information through input (or selection), the card issuing server 100 targets the minor to the customer based on the card issuing application information. A process of issuing a wireless terminal link card for a wireless terminal based credit service, and a person of ordinary skill in the art to which the present invention pertains, refer to and / or modify the drawing 3 and the wireless terminal for minors. It is possible to infer various implementation methods for issuing the wireless terminal link card for the base credit service. 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 wireless terminal linked card is produced and provided (or shipped) to the customer, and then the wireless terminal linked card issuance information is stored in the storage medium 150. According to the intention, the process of storing predetermined wireless terminal linked card issuance information in the storage medium 150 is provided to the customer before manufacturing the wireless terminal linked card or after the wireless terminal linked card is manufactured (or shipped). It may be carried out before), whereby the present invention is not limited.

Hereinafter, in FIG. 3, the card issuing terminal 160 shown in FIG. 1 is referred to as a "terminal" for convenience, and the card issuing server 100 is referred to as a "server" for convenience.

Referring to FIG. 3, the customer connects the communication channel for card issuance application by accessing the server through a predetermined terminal, and the wireless terminal connection card for the wireless terminal-based credit service for the minor through the communication channel. Apply for issuing (300), and correspondingly, the server generates (or extracts) a user interface for issuing the wireless terminal linked card and provides the terminal to the terminal through the communication channel (305).

Thereafter, the terminal receives (or selects) the card issuing application information through the user interface and transmits the card issuing application information (or selected) to the server through the communication channel (310).

According to an embodiment of the present invention, the card issuance application information includes at least one of customer information (or minor information), parental consent information, wireless terminal information, and customer account information.

Here, the customer information (or minor information) is a customer individual for a minor (or a prohibited person, or a limited amount, etc.) whose credit service is not available among telecommunication company customers who want to issue the wireless terminal link card among the telecommunication company users. It is preferable to include information (eg, customer name, social security number, address, telephone number, e-mail address, etc.) and at least one or more customer member information (eg, member ID information).

The parental authority consent information includes parental authority information corresponding to the legal representative of the customer (or minor), and the parental authority issues the wireless terminal link card to the customer (or minor), or a credit service through the wireless terminal link card. Preferably, the parental authority identification information confirms consent of the parental guardian for providing the parental guardian information, wherein the parental guardian information of the customer (or minor) (eg, the name of the parental authority, social security number, address, telephone number, e-mail address). Etc.) and at least one parent member member information (e.g., member ID information, etc.), and the parental authority consent information is based on the parental authority consent process provided in the carrier (or card issuer). Card issuing institution).

According to an embodiment of the present invention, the parental authority consent information for issuing the wireless terminal linking card to the customer (or minor) includes the parental authority information and the parental authority for the wireless terminal linking card to the customer (or minor). It is desirable to include parental identification information agreeing to issue.

In addition, parental consent information for providing a credit service through the wireless terminal link card (or wireless terminal) to the customer (or minor), the parental authority information and the parental authority to the customer (or minor) wireless terminal link card (Or wireless terminal) It is preferable to include the paternity identification information that agrees to provide a credit service.

The wireless terminal information is unique information (eg, address information, identification code) for the wireless terminal owned (or possessed) by the telecommunications company to provide a wireless communication service to the customer (or minor), Or at least one or more unique numbers (eg, telephone numbers, identification numbers, or serial numbers (ESN), etc.).

The customer account information is associated with the wireless terminal when the wireless terminal linked card is associated with a predetermined financial account (for example, when the wireless terminal linked card includes any one of a check card, a debit card, and a cash card). As financial account information associated with a card, the customer account information may include a communication fee direct debit financial account information for the wireless terminal, real account information of the name of the customer (or minor), online account information, or virtual account information. At least one or more, or comprises at least one of the real account information, online account information, or virtual account information in the name of the parental authority, the wireless terminal link card is not associated with a predetermined financial account If not, it may be omitted.

Thereafter, the server receives and reads the card issuing application information from the terminal through the network means to verify the validity of issuing the wireless terminal linked card to the customer (or minor) based on the card issuing application information. (315).

According to an embodiment of the present invention, the validity confirmation for issuing the wireless terminal linked card to the customer (or minor) is based on predetermined communication means based on the customer information (or minor information) included in the card issuance application information. In connection with a predetermined carrier server 170 having the carrier subscriber D / B through it is preferable to include whether the customer (or minor) is the carrier customer.

In addition, the validity confirmation of issuing the wireless terminal linked card to the customer (or minor) is to check whether the parental authority consent information (eg, parental authority information or parental authority identification information) included in the card issuance application information is valid. It is preferable to include a, it is preferable that the verification of the validity of the parental authority consent information includes a parental authority identification procedure provided in the communication company (or card issuer).

In addition, the validity confirmation for issuing the wireless terminal linked card to the customer (or minor) is provided with the carrier subscriber D / B through a predetermined communication means based on the wireless terminal information included in the card issuance application information. In connection with a predetermined communication company server 170, it is preferable to include whether the customer (or minor) is using a wireless terminal corresponding to the wireless terminal information.

In addition, the validity check for issuing the wireless terminal linked card to the customer (or minor) is linked with the financial company server 175 corresponding to the customer account when the card issue application information includes the customer account information. It is preferable to include a check that the customer account is a valid financial account.

If the validity to issue the wireless terminal linked card to the customer is not authenticated through the card issuing application information (320), the server provides the card issuing error information to the customer through the card issuing interface; 325) stop issuing the wireless terminal link card to the customer.

On the other hand, if the validity to issue the wireless terminal linked card to the customer is authenticated through the card issuing application information (320), the server corresponds to the wireless terminal linked card to be issued to the customer based on the card issuance application information. Generates (or extracts) predetermined card information (330), and the card information includes a card number (for example, a 16-digit card number), an expiration date information (some may be omitted), and a card issue corresponding to the wireless terminal linked card. It includes at least one or more agency 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.

Preferably, the expiration date information includes a period (or an expiration date and time) in which the radio terminal link card can be used, and may be omitted when an expiration date does not exist in the radio terminal link card. This is not limited.

The card issuer information (or code) preferably comprises at least one or more unique numbers (or unique codes) assigned to the card issuer (or financial company) that issues the wireless terminal linked card to the customer.

According to an embodiment of the present invention, if the wireless terminal link card is an MS card, the generated card information preferably includes a data structure that can be recorded in at least one or more MS tracks provided in the MS card.

According to another embodiment of the present invention, if the wireless terminal link card is an IC card, the generated card information preferably includes a file structure operable through a chip operating system (COS) provided in the IC chip. .

Thereafter, the server generates a predetermined wireless terminal link card with the card information through a predetermined card issuing device 155 and provides (or delivers) the card to the customer (335).

According to an embodiment of the present invention, if the wireless terminal associated card is an MS card, the card issuing device 155 may include at least one or more MS tracks (eg, track I, track II, and track III included in the wireless terminal linked card). Preferably includes a device for recording the card information.

According to another embodiment of the present invention, if the wireless terminal link card is an IC card, the card issuing device 155 includes an apparatus for recording the card information in a memory provided in the IC chip of the wireless terminal link card. It is preferable to make it.

Thereafter, the server receives customer information (or minor information), parental consent information, wireless terminal information, customer account information, and wireless terminal issued to the customer included in the card issuing application information provided from the customer through the card issuing interface. The wireless terminal linked card issuance information including at least one card information for the linked card is stored in the storage medium 150 (340).

Here, the customer information (or minor information) is a customer individual for a minor (or a prohibited person, or a limited amount, etc.) whose credit service is not available among telecommunication company customers who want to issue the wireless terminal link card among the telecommunication company users. It is preferable to include information (eg, customer name, social security number, address, telephone number, e-mail address, etc.) and at least one or more customer member information (eg, member ID information).

The parental authority consent information includes parental authority information corresponding to the legal representative of the customer (or minor), and the parental authority issues the wireless terminal link card to the customer (or minor), or a credit service through the wireless terminal link card. Preferably, the parental authority identification information confirms consent of the parental guardian for providing the parental guardian information, wherein the parental guardian information of the customer (or minor) (eg, the name of the parental authority, social security number, address, telephone number, email address) Etc.) and at least one parent member member information (e.g., member ID information, etc.), and the parental authority consent information is based on the parental authority consent process provided in the carrier (or card issuer). Card issuing institution).

According to an embodiment of the present invention, the parental authority consent information for issuing the wireless terminal linking card to the customer (or minor) includes the parental authority information and the parental authority for the wireless terminal linking card to the customer (or minor). It is desirable to include parental identification information agreeing to issue.

In addition, parental consent information for providing a credit service through the wireless terminal link card (or wireless terminal) to the customer (or minor), the parental authority information and the parental authority to the customer (or minor) wireless terminal link card (Or wireless terminal) It is preferable to include the paternity identification information that agrees to provide a credit service.

The wireless terminal information is unique information (eg, address information, identification code) for a wireless terminal owned (or possessed) by the customer to provide a wireless communication service to the customer (or minor) by the telecommunication company, Or at least one or more unique numbers (eg, telephone numbers, identification numbers, or serial numbers (ESN), etc.).

The customer account information is the wireless terminal linked card when the wireless terminal linked card is associated with a predetermined financial account (for example, the wireless terminal linked card includes any one of a check card, debit card, cash card), the wireless terminal linked card Financial account information associated with, wherein the customer account information is at least a communication charge direct debit financial account information for the wireless terminal, real account information of the customer (or minor) name, or online account information, or virtual account information It is preferable to include one or more, or to include at least one of the real account information, online account information, or virtual account information of the parental authority name, wherein the wireless terminal link card is not associated with a predetermined financial account In this case, it may be omitted.

The card information is payment means information (for example, credit card payment means information, check card payment means information, debit card payment means information, cash card issued to the customer (or minor) through the card issuing system shown in FIG. 1). Payment means information, prepaid card payment means information, etc.), the card number, card issuing institution code, the expiration date (some may be omitted), etc. preferably comprises at least one, predetermined limit amount information according to the intention of those skilled in the art It is preferred to further comprise a.

According to an embodiment of the present invention, the storage medium 150 is provided in a predetermined DBMS provided (or linked) in the communication company, or in a predetermined financial system provided (or linked) in the card issuer. Preferably, the storage medium 150 is a subscriber D / B provided to the DBMS of the telecommunication company, or a ledger D / B provided to the DBMS on the financial system, and / or the It may be a predetermined database associated with the ledger D / B, whereby the present invention is not limited.

According to another embodiment of the present invention, the storage medium 150 is an online payment system, and / or WAP-based wireless payment system, and / or provided on the carrier (or card issuer) It is possible to be provided in the DBMS on at least one or more of the IC chip-based wireless payment system, and / or tele payment system, whereby the present invention is not limited.

According to another embodiment of the present invention, the storage medium 150 is an Internet banking system, and / or a telebanking system provided on the carrier (or card issuer), and / or wireless. It is possible to be provided in a DBMS on at least one banking system of a banking system, and / or a TV banking system, whereby the present invention is not limited.

4 is a diagram illustrating a credit limit amount setting process for a wireless terminal-based credit service for minors according to an embodiment of the present invention.

In more detail, FIG. 4 illustrates a process of issuing a predetermined wireless terminal link card to the customer (or minor) through the card issuing system shown in FIG. 1, wherein the card issuance request information is sent to the customer (or minor). If parental consent information is included that agrees to provide a credit service through a wireless terminal link card (or wireless terminal), the customer (or minor) is based on monthly call charges, data communication charges, and communication charge delinquency information of the customer (or minor). Or a minor), which is a process of setting a predetermined credit limit amount, and a person having ordinary knowledge in the technical field to which the present invention pertains, refer to and / or modify the drawing 4, and the wireless terminal-based credit service for the minor Although it may be possible to infer various implementation methods for the credit limit amount setting process for the present invention, Is made, including any exemplary method of inference, to which the technical feature that is not limited to the exemplary method shown in the figure 4.

For example, a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawing 4 to inform the client (or minor) from the parental authority through the card issuance process and a separate information registration procedure. Receive parental consent information that agrees to provide credit service through a wireless terminal link card (or wireless terminal) and based on the monthly call charges, data communication charges and communication charge delinquency information of the customer (or minor); It would be possible to infer a process of setting a predetermined credit limit amount to a minor), but the present invention is characterized in that it includes all the implementation methods inferred, and the technical features are only shown in the implementation method shown in FIG. It is not limited.

Hereinafter, in FIG. 4, the card issuing terminal 160 shown in FIG. 1 is referred to as a "terminal" for convenience, and the card issuing server 100 is referred to as a "server" for convenience.

Referring to FIG. 4, the customer information (or minor information), parental consent information, wireless terminal information, and the like are transmitted to the server in the wireless terminal linked card issuing process through the card issuing process shown in FIGS. 2 and / or 3. After receiving the card issuing application information including at least one customer account information, the server reads the card issuing application information to the customer (or minor) credit service for the wireless terminal link card (or wireless terminal) Validate the provision (400).

According to the method of the present invention, the validity check for providing the credit service for the wireless terminal linked card (or wireless terminal) to the customer (or minor), customer information (or minor information included in the card issuance application information) It is preferably made in connection with a predetermined carrier server 170 having the carrier subscriber D / B through a predetermined communication means to determine whether the customer (or minor) is the carrier customer. .

In addition, the validity confirmation for the credit service provision for the wireless terminal linked card (or wireless terminal) to the customer (or minor), the parental authority consent information (for example, parental authority information, or parental authority confirmation included in the card issuance application information) Information) is preferably included, and the validity verification of the parental authority consent information includes a parental authority verification procedure provided in the communication company (or card issuer).

In addition, the validity check for the credit service provision for the wireless terminal linked card (or wireless terminal) to the customer (or minor), through a predetermined communication means based on the wireless terminal information included in the card issuance application information. In connection with a predetermined carrier server 170 having the carrier subscriber D / B, it is preferable to include whether the customer (or minor) is using a radio terminal corresponding to the radio terminal information.

In addition, checking the validity of the credit service provision for the wireless terminal linked card (or wireless terminal) to the customer (or minor) corresponds to the customer account when the card issuance application information includes the customer account information. In connection with the financial company server 175 is preferably made comprising a check whether the customer account is a valid financial account.

If the validity of the credit service provision for the wireless terminal linked card (or wireless terminal) is confirmed to the customer (or minor) (405), the server is based on the card issuing application information. Credit limit confirmation information including at least one or more monthly call charges, data communication charges, and communication charge delinquency information for a predetermined period of time for the customer (or minor) in connection with a predetermined communication company server 170 that provides a wireless communication service to a customer. Check (410), and read the credit limit confirmation information to determine whether the credit limit amount of a certain amount or more can be given to the customer (or minor) (415).

According to an exemplary embodiment of the present invention, the server receives predetermined credit limit confirmation information including monthly call charges for a predetermined period of time for the customer (or minor) in connection with the communication company server 170 through a predetermined communication means. If it is confirmed that the monthly call charge for the predetermined period is more than a certain amount, it is preferable to confirm that a predetermined credit limit amount is given to the customer (or minor).

In addition, the server confirms predetermined credit limit confirmation information including monthly data communication fee for a predetermined period of time for the customer (or minor) in connection with the communication company server 170 through a predetermined communication means, and the confirmed When the monthly data communication fee for a certain period is more than a certain amount, it is preferable to confirm that a predetermined credit limit amount is given to the customer (or minor).

In addition, the server confirms predetermined credit limit confirmation information including communication charge delinquency information for a predetermined period of time for the customer (or minor) in connection with the communication company server 170 through a predetermined communication means, and the confirmation If there is no overdue communication fee for a predetermined period of time, it is preferable to confirm that a predetermined credit limit amount is given to the customer (or minor).

If it is determined that the credit limit amount more than a predetermined amount cannot be given to the customer (or minor) (420), the server generates predetermined credit limit error information and transmits it to the terminal (425).

On the other hand, if it is possible to assign the credit limit amount more than a certain amount to the customer (or minor) (420), the server may limit the number of credit limits to be assigned to the customer (or minor) from the confirmed credit limit confirmation information. The amount of money information is calculated (430).

According to the method of the present invention, if the monthly call charge for the predetermined period included in the confirmed credit limit check information is determined to be a predetermined amount or more, predetermined credit limit amount information corresponding to the monthly call charge It is preferable to calculate.

In addition, when the monthly data communication fee for a certain period included in the confirmed credit limit confirmation information is determined to be equal to or greater than the amount, it is preferable that the server calculates predetermined credit limit amount information corresponding to the monthly data communication fee. .

In addition, when there is no communication fee delinquency for a predetermined period included in the confirmed credit limit confirmation information during the period, the server preferably calculates predetermined credit limit amount information corresponding to the communication fee delinquency information.

Thereafter, the server issuing a wireless terminal linked card including at least one of the customer information (or minor information), parental consent information, wireless terminal information, customer account information, and card information for the wireless terminal linked card issued to the customer. The credit limit amount information is further included in the information and stored in the storage medium 150 (435), and the calculated credit limit amount information is transmitted to the terminal (440).

5 is a diagram illustrating a card issuing system for a wireless terminal based credit service for minors according to another embodiment of the present invention.

In more detail, FIG. 5 illustrates a card issuance for a wireless terminal-based credit service for a given minor to a telecommunication company (or a card issuing agency) by a customer having a wireless terminal with a predetermined wireless IC chip through a predetermined card issuing interface. When the application information is provided, a card applet (or IC chip storage information) is provided to the customer by a wireless IC chip provided in the customer wireless terminal 560 based on the card issuance application information provided by the telecommunication company (or card issuer). As a system configuration for issuing a wireless terminal linked card of the type, a person having ordinary skill in the art to which the present invention pertains refers to and / or modifyes the present invention for the wireless terminal based credit service for the minor. Various implementation methods for the card issuing system may be inferred, but the present invention is inferred by all implementations inferred from the above. Law, and the present invention is not limited to the implementation method shown in FIG.

Hereinafter, a card applet (or a wireless IC chip provided in the customer wireless terminal 560 based on the card issuing application information provided from the customer through a predetermined card issuing interface on the card issuing system shown in FIG. 5). At least one means for issuing a wireless terminal linked card in the form of IC chip storage information) and / or a component corresponding to a functional configuration is referred to as a "card issuing server 500" for convenience.

Referring to FIG. 5 according to an embodiment of the present invention, the card issuing system for the wireless terminal-based credit service for minors is used by a card issuing staff provided in at least one card issuing institution (or financial institution). And a staff terminal, and / or a client terminal including at least one wired terminal and / or a wireless terminal used by the customer when the card issuing system supports a non-face-to-face card issuing application. The employee terminal and / or client terminal is connected to the card issuing server 500 provided on the communication company (or card issuing organization) through a predetermined network means is connected to the communication channel.

According to one embodiment of the present invention, the customer visits the card issuing institution (or financial institution) for the wireless terminal-based credit service for the minor and through a window provided in the card issuing institution (or financial institution) ( Or a document for providing a predetermined card issuance application (eg, at least one information item for the wireless terminal-based credit service for minors) through the card issuing staff. (Or the card issuer visits the customer and asks the customer to fill out a predetermined card issuance application for the wireless terminal based credit service for the minor), and the card issuance application issuance Upon submission to the responsible staff member, the card issuing staff member will be The employee terminal inputs (or selects) information written in the card issuance application through the employee terminal, and the employee terminal is provided on the communication company (or card issuer) through the network means. It is preferable to transmit to the card issuing server 500.

Here, the employee terminal preferably comprises an employee terminal used by the card issuing staff provided in the card issuing institution (or financial institution), the card issuing server 500 connected to the employee terminal is the card issuance Preferably it comprises a server provided on an institution (or a financial institution, or a card issuing partner affiliated with the card issuing agency), the network means for connecting the employee terminal and the card issuing server 500 is It is preferable to include a communication network connecting the communication channel between the employee terminal and the card issuing server 500.

In the card issuing system as described above, a card issuance application prepared by the customer, an employee terminal used by the card issuing staff, and a communication network connecting the employee terminal and the card issuing server 500 are used by the customer. It performs a function of the card issuing interface for registering the card issuing application information for the target wireless terminal-based credit service.

According to another exemplary embodiment of the present invention, when the card issuing system supports a non-face-to-face card issuing 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 to the card issuing server 500 through at least one client terminal, and through the at least one user interface provided by the card issuing server 500, the card issuing application information for the wireless terminal-based credit service for the minors. If input (or selected), it is preferable to transmit from the client terminal to the card issuing server 500 provided on the communication company (or card issuer) 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, 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.

In addition, the client terminal outputs at least one user interface provided by the card issuing server 500, and inputs and / or selects at least one or more information through the user interface to the card issuing server 500. It is preferable that a function configuration (for example, a browser program and a communication function or a predetermined communication program and communication function to communicate with the card issuing server 500, etc.) is provided.

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

In the card issuing system, a client terminal including at least one or more wired terminals and / or wireless terminals used by the customer, at least one wired communication network connecting the client terminal and the card issuing server 500 and And / or the wireless communication network performs a function of a card issuing interface for the customer to register card issuing application information for the wireless terminal-based credit service for the minor.

According to another exemplary embodiment of the present invention, when the card issuing system supports a non-face-to-face card issuing application, the card issuing terminal 160, in addition to the employee terminal and / or client terminal, a predetermined communication network ( For example, it further comprises a financial automated machine (not shown) including an automatic teller machine (ATM), a cash dispenser (CD) connected to a financial common network, and / or a predetermined 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 mobile communication network, a wireless VoIP network, It further comprises a predetermined call terminal (not shown) connected to the wireless telephone network, and / or is provided in at least one or more institutions affiliated with the card issuer (or financial institution) Terminal (and / or server) (not shown) may be further included, whereby the present invention is not limited.

In the case of supporting a non-face-to-face card issuance application as described above, when the card issuing terminal 160 is the financial automated device (not shown), the financial automated device (not shown) and the financial automated device ( The communication network connecting the card issuing server 500 performs a function of a card issuing interface for the customer to register card issuing application information for the wireless terminal-based credit service for the minor, and / or the When the card issuing terminal 160 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 card issuing server 500. Performs a function of a card issuing interface for the customer to register card issuance application information for the mobile terminal based credit service for the minor, and / or When the card issuing terminal 160 is a terminal (and / or server) (not shown) provided in an institution affiliated with the card issuing institution (or financial institution), the terminal (and / or server) (not shown) And a network for connecting the terminal (and / or server) (not shown) and the card issuing server 500 to allow the customer to register card issuance application information for the wireless terminal-based credit service for the minor. Perform the function of

The storage medium 150 provided on a communication company (or card issuer) according to the present invention provides a predetermined wireless terminal link card to the customer based on the card issuance application information provided from the card issuing terminal 160. After issuing, customer information (or minor information), parental consent information, wireless terminal information, customer account information, card information and credit limit amount for the wireless terminal linked card issued to the customer And store and store wireless terminal linked card issuance information including at least one information.

The customer information (or minor information) is customer personal information about a minor (or a prohibited person, or a limited amount), which cannot be used for credit services among telecommunication company customers who want to issue the wireless terminal link card among the telecommunication company users. For example, customer name, social security number, address, telephone number, e-mail address, etc.) and customer member information (eg, member ID information, etc.) are preferably included.

The parental authority consent information includes parental authority information corresponding to the legal representative of the customer (or minor), and the parental authority issues the wireless terminal link card to the customer (or minor), or a credit service through the wireless terminal link card. Preferably, the parental authority identification information confirms consent of the parental guardian for providing the parental guardian information, wherein the parental guardian information of the customer (or minor) (eg, the name of the parental authority, social security number, address, telephone number, email address) Etc.) and at least one parent member member information (e.g., member ID information, etc.), and the parental authority consent information is based on the parental authority consent process provided in the carrier (or card issuer). Card issuing institution).

According to an embodiment of the present invention, the parental authority consent information for issuing the wireless terminal linking card to the customer (or minor) includes the parental authority information and the parental authority for the wireless terminal linking card to the customer (or minor). It is desirable to include parental identification information agreeing to issue.

In addition, parental consent information for providing a credit service through the wireless terminal link card (or wireless terminal) to the customer (or minor), the parental authority information and the parental authority to the customer (or minor) wireless terminal link card (Or wireless terminal) It is preferable to include the paternity identification information that agrees to provide a credit service.

The wireless terminal information is unique information (eg, address information, identification code) for the wireless terminal owned (or possessed) by the telecommunications company to provide a wireless communication service to the customer (or minor), Or at least one or more unique numbers (eg, telephone numbers, identification numbers, or serial numbers (ESN), etc.).

The customer account information is associated with the wireless terminal when the wireless terminal linked card is associated with a predetermined financial account (for example, when the wireless terminal linked card includes any one of a check card, a debit card, and a cash card). As financial account information associated with a card, the customer account information may include a communication fee direct debit financial account information for the wireless terminal, real account information of the name of the customer (or minor), online account information, or virtual account information. At least one or more, or comprises at least one of the real account information, online account information, or virtual account information in the name of the parental authority, the wireless terminal link card is not associated with a predetermined financial account If not, it may be omitted.

The card information is payment means information (eg, credit card payment means information, check card payment means information, debit card payment means information, cash card issued to the customer (or minor) through the card issuing system shown in FIG. 5). Payment means information, prepaid card payment means information, etc.), the card number, card issuing institution code, the expiration date (some may be omitted), etc. preferably comprises at least one, predetermined limit amount information according to the intention of those skilled in the art It is preferred to further comprise a.

The credit limit amount information is a limit for providing a credit service of a predetermined amount per month to a wireless terminal linked card (or the wireless terminal) issued to the customer (or minor) through the card issuing system shown in FIG. Preferably, the credit limit amount information is set by the telecommunication company based on monthly call charges, data communication charges, and communication charge delinquency information for the customer (or minor). .

According to an embodiment of the present invention, the storage medium 150 is provided in a predetermined DBMS provided (or linked) in the communication company, or in a predetermined financial system provided (or linked) in the card issuer. Preferably, the storage medium 150 is a subscriber D / B provided to the DBMS of the telecommunication company, or a ledger D / B provided to the DBMS on the financial system, and / or the It may be a predetermined database associated with the ledger D / B, whereby the present invention is not limited.

According to another embodiment of the present invention, the storage medium 150 is an online payment system, and / or WAP-based wireless payment system, and / or provided on the carrier (or card issuer) It is possible to be provided in the DBMS on at least one or more of the IC chip-based wireless payment system, and / or tele payment system, whereby the present invention is not limited.

According to another embodiment of the present invention, the storage medium 150 is an Internet banking system, and / or a telebanking system provided on the carrier (or card issuer), and / or wireless. It is possible to be provided in a DBMS on at least one banking system, and / or a TV banking system, and the present invention is not limited thereby.

According to another embodiment of the present invention, the storage medium 150 is the customer information (or minor information), parental consent information, wireless terminal information, customer account information and the customer on the carrier (or card issuer) A predetermined DBMS interoperating with a server (or device) that performs a predetermined information processing function using the wireless terminal linked card issuance information including at least one of card information and credit limit amount information of the wireless terminal linked card issued to the user. It is preferable to be provided at this time, and the position where the storage medium 150 is provided may be variously performed according to the intention of those skilled in the art, whereby the present invention is not limited.

The card issuing server 500 provided on a communication company (or card issuing organization) according to the present invention is a component of the communication company (or card issuing organization) side connected to the card issuing terminal 160 through a predetermined network means. Collectively, may be implemented by including at least one server (or device), and / or by at least one program recorded on a recording medium provided in a predetermined server (or device), whereby the present invention This is not limited.

According to an embodiment of the present invention, the card issuing server 500 includes an interface unit 505 (or interface means) for providing a predetermined card issuing interface to the card issuing terminal 160 through the network means. Characterized in that made.

According to an embodiment of the present invention, when the card issuing terminal 160 is an employee terminal connected to a predetermined communication network, the interface unit 505 may be assigned to the employee terminal based on the protocol stack defined in the communication 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 issuance application program provided in the employee terminal.

According to another exemplary embodiment of the present invention, when the card issuing terminal 160 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 505 uses a protocol stack defined in the wired communication network. It is preferable to provide a communication interface for connecting at least one communication channel with the client terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 505 connects a communication channel with the client terminal based on the TCP / IP protocol. By using the HTPP protocol defined in the browser program, a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) and / or information is provided.

Alternatively, when the client terminal is provided with a predetermined card issuance application program provided by the card issuing server 500, the interface unit 505 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 issuing terminal 160 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 505 is a protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal and connecting a predetermined communication channel with 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 505 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 issuance application program provided by the card issuing server 500, the interface unit 505 connects a communication channel with the client terminal based on the CDMA protocol, and the communication Provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the program.

Referring to FIG. 5, the card issuing server 500 interworks with the interface unit 505 when a predetermined card issuing terminal 160 is connected to the card issuing server 500 through the interface unit 505. Interface providing unit for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined card issuing application information from the card issuing terminal 160 to the card issuing terminal 160. 510 (or interface providing means) and information for receiving predetermined card issuing application information transmitted from the card issuing terminal 160 through the user interface (or selected) in association with the interface unit 505. Issuing the wireless terminal linked card to the customer (or minor) based on the receiving unit 515 (or information receiving means) and the received card issuance application information, and / or the non- It characterized by comprising a terminal provided with a card associated validity authentication unit 520 to verify the validity of the credit service provider for (or mobile station) (or validity authentication means).

The interface providing unit 510 corresponds to a functional configuration provided in the card issuing terminal 160 when a predetermined card issuing terminal 160 is connected to the card issuing server 500 through the interface unit 505. Generate (or select) the card issuing application information and generate a predetermined user interface that can be transmitted to the card issuing server 500 through the network means, and / or is extracted from a predetermined database (not shown). And provide the user interface generated (or extracted) in cooperation with the interface unit 505 to the card issuing terminal 160 through the network means.

Thereafter, the card issuing terminal 160 inputs (or selects) the card issuing application information based on the user interface, and the card issuing server information is input (or selected) through the network means. Send to 500.

According to an embodiment of the present invention, when the card issuing terminal 160 is an employee terminal connected to a predetermined communication network, the interface providing unit 510 may provide a predetermined card issuing application program provided in the employee terminal. It is preferable to generate (or extract) a user interface, and provide the generated (or extracted) user interface to the employee terminal through the interface unit 505.

According to another exemplary embodiment of the present invention, when the card issuing terminal 160 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface providing unit 510 is a browser program provided in the client terminal. And / or generate (or extract) a predetermined user interface that can be provided to a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 505.

According to another exemplary embodiment of the present invention, when the card issuing terminal 160 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 510 is a browser provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided by a program and / or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 505.

The information receiving unit 515 inputs (or selects) predetermined card issuing application information from the card issuing terminal 160 through the user interface and transmits the same through the network means. Characterized in that the card issuance request information is received, and provides the received card issuance application information to the validity authentication unit 520 or the information generating unit 530.

According to an embodiment of the present invention, the card issuance application information includes at least one of customer information (or minor information), parental consent information, wireless terminal information, and customer account information.

Here, the customer information (or minor information) is a customer individual for a minor (or a prohibited person, or a limited amount, etc.) whose credit service is not available among telecommunication company customers who want to issue the wireless terminal link card among the telecommunication company users. It is preferable to include information (eg, customer name, social security number, address, telephone number, e-mail address, etc.) and at least one or more customer member information (eg, member ID information).

The parental authority consent information includes parental authority information corresponding to the legal representative of the customer (or minor), and the parental authority issues the wireless terminal link card to the customer (or minor), or a credit service through the wireless terminal link card. Preferably, the parental authority identification information confirms consent of the parental guardian for providing the parental guardian information, wherein the parental guardian information of the customer (or minor) (eg, the name of the parental authority, social security number, address, telephone number, email address) Etc.) and at least one parent member member information (e.g., member ID information, etc.), and the parental authority consent information is based on the parental authority consent process provided in the carrier (or card issuer). Card issuing institution).

According to an embodiment of the present invention, the parental authority consent information for issuing the wireless terminal linking card to the customer (or minor) includes the parental authority information and the parental authority for the wireless terminal linking card to the customer (or minor). It is desirable to include parental identification information agreeing to issue.

In addition, parental consent information for providing a credit service through the wireless terminal link card (or wireless terminal) to the customer (or minor), the parental authority information and the parental authority to the customer (or minor) wireless terminal link card (Or wireless terminal) It is preferable to include the paternity identification information that agrees to provide a credit service.

The wireless terminal information is unique information (eg, address information, identification code) for the wireless terminal owned (or possessed) by the telecommunications company to provide a wireless communication service to the customer (or minor), Or a unique number (eg, a telephone number, an identification number, or an serial number (ESN), etc.).

The customer account information is the wireless terminal linked card when the wireless terminal linked card is associated with a predetermined financial account (for example, the wireless terminal linked card includes any one of a check card, debit card, cash card), the wireless terminal linked card Financial account information associated with, wherein the customer account information is at least a communication charge direct debit financial account information for the wireless terminal, real account information of the customer (or minor) name, or online account information, or virtual account information It is preferable to include one or more, or to include at least one of the real account information, online account information, or virtual account information of the parental authority name, wherein the wireless terminal link card is not associated with a predetermined financial account In this case, it may be omitted.

The validity authentication unit 520 issues the wireless terminal link card to the customer (or minor) based on the received card issuance application information, and / or a credit service for the wireless terminal link card (or wireless terminal). It is characterized by checking the validity of the offer.

According to an embodiment of the present invention, the validity check for issuing the wireless terminal linked card to the customer (or minor) and / or providing a credit service for the wireless terminal linked card (or the wireless terminal) may be performed. Based on the customer information (or minor information) included in the application information, the customer (or minor) is connected to the predetermined communication company server 170 having the carrier subscriber D / B through a predetermined communication means. It is preferable to include checking whether it is a customer.

In addition, the validity check for issuing the wireless terminal linked card to the customer (or minor) and / or providing a credit service for the wireless terminal linked card (or wireless terminal) may be included in the card issuance application information. It is preferable to include checking whether the consent information (eg, parental authority information, or parental authority identification information) is valid. It is preferable to comprise.

In addition, validity of issuing the wireless terminal linked card to the customer (or minor) and / or providing a credit service for the wireless terminal linked card (or wireless terminal) may be included in the card issuance application information. Based on the terminal information, whether the customer (or a minor) is using a wireless terminal corresponding to the wireless terminal information in connection with a predetermined carrier server 170 having the carrier subscriber D / B through a predetermined communication means. It is preferable to include checking.

In addition, validity of issuing the wireless terminal linked card to the customer (or minor) and / or providing a credit service for the wireless terminal linked card (or wireless terminal) may be included in the card issuance application information. In the case where the information is included, it is preferable to include checking whether the customer account is a valid financial account in association with the financial company server 175 corresponding to the customer account.

Referring to FIG. 5, the card issuing server 500 checks the validity of the card issuing application information, and the parental authority consent information included in the card issuing application information is linked to the wireless terminal to the customer (or minor). If you agree to issue the card, the information generating unit 530 (or information) for generating (or extracting) predetermined card information corresponding to the wireless terminal linked card to be issued to the customer based on the received card issuance application information. Generating means), an applet generating unit 535 (or applet generating means) for generating a predetermined card applet (or IC chip storage information) including the card information, and the card applet (or IC chip storage information) is provided to the customer wireless terminal 560 and recorded on the wireless IC chip provided in the customer wireless terminal 560 to generate the wireless terminal link card. An information storage unit 545 for storing, in the storage medium 150, the card issuing unit 550 (or card issuing means) and the wireless terminal linked card issuance information corresponding to the wireless terminal linked card issued to the customer; Or information storage means).

The information generating unit 530 generates (or extracts) predetermined card information to be provided in the wireless terminal link card to the customer based on the card issuing application information received through the information receiving unit 515. The card information may include at least one card number (eg, 16-digit card number), expiration date information (some may be omitted), and card issuer information (or code) corresponding to the wireless terminal linked card. Is done.

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.

Preferably, the expiration date information includes a period (or an expiration date and time) in which the radio terminal link card can be used, and may be omitted when an expiration date does not exist in the radio terminal link card. This is not limited.

The card issuer information (or code) preferably comprises at least one unique number (or unique code) assigned to the card issuer (or financial company) that issues the wireless terminal linked card to the customer.

When the predetermined card information included in the wireless terminal link card is generated by the information generating unit 530, the applet generating unit 535 generates a predetermined card applet (or IC chip storage information) including the card information. The card applet (or IC chip storage information) can be recorded on a wireless IC chip provided in the customer wireless terminal 560 and operated on a chip operating system (COS) on the wireless IC chip. It is preferable to include a file structure.

When the card applet (or IC chip storage information) is generated by the applet generating unit 535, the card issuing unit 550 uses the customer wireless terminal through a wireless communication network corresponding to the customer wireless terminal 560 information. By transmitting the card applet (or IC chip storage information) to the 560, the customer wireless terminal 560 to record the card applet (or IC chip storage information) to the wireless IC chip provided in the wireless terminal Characterizing the wireless terminal linked card to the customer.

Thereafter, the information storage unit 545 stores customer information (or minor information), parental consent information, wireless terminal information, and customer account information included in the card issuance application information received from the customer through the information receiving unit 515. And storing the wireless terminal linked card issuing information including at least one card information on the wireless terminal linked card issued to the customer in the storage medium 150.

Here, the customer information (or minor information) is a customer for a minor (or a prohibited person, a limited amount of money, etc.) who cannot use the credit service among the telecommunication company customers who want to issue the wireless terminal link card among the telecommunication company users. It is preferable that the personal information (eg, customer name, social security number, address, telephone number, e-mail address, etc.) and at least one or more customer member information (eg, member ID information, etc.) are included.

The parental authority consent information includes parental authority information corresponding to the legal representative of the customer (or minor), and the parental authority issues the wireless terminal link card to the customer (or minor), or a credit service through the wireless terminal link card. Preferably, the parental authority identification information confirms consent of the parental guardian for providing the parental guardian information, wherein the parental guardian information of the customer (or minor) (eg, the name of the parental authority, social security number, address, telephone number, e-mail address). Etc.) and at least one parent member member information (e.g., member ID information, etc.), and the parental authority consent information is based on the parental authority consent process provided in the carrier (or card issuer). Card issuing institution).

According to an embodiment of the present invention, the parental authority consent information for issuing the wireless terminal linking card to the customer (or minor) includes the parental authority information and the parental authority for the wireless terminal linking card to the customer (or minor). It is desirable to include parental identification information agreeing to issue.

In addition, parental consent information for providing a credit service through the wireless terminal link card (or wireless terminal) to the customer (or minor), the parental authority information and the parental authority to the customer (or minor) wireless terminal link card (Or wireless terminal) It is preferable to include the paternity identification information that agrees to provide a credit service.

The wireless terminal information is unique information (eg, address information, identification code) for the wireless terminal owned (or possessed) by the telecommunications company to provide a wireless communication service to the customer (or minor), Or at least one or more unique numbers (eg, telephone numbers, identification numbers, or serial numbers (ESN), etc.).

The customer account information is the wireless terminal linked card when the wireless terminal linked card is associated with a predetermined financial account (for example, the wireless terminal linked card includes any one of a check card, debit card, cash card), the wireless terminal linked card Financial account information associated with, wherein the customer account information is at least a communication charge direct debit financial account information for the wireless terminal, real account information of the customer (or minor) name, or online account information, or virtual account information It is preferable to include one or more, or to include at least one of the real account information, online account information, or virtual account information of the parental authority name, wherein the wireless terminal link card is not associated with a predetermined financial account In this case, it may be omitted.

The card information is payment means information (eg, credit card payment means information, check card payment means information, debit card payment means information, cash card issued to the customer (or minor) through the card issuing system shown in FIG. 5). Payment means information, prepaid card payment means information, etc.), the card number, card issuing institution code, the expiration date (some may be omitted), etc. preferably comprises at least one, predetermined limit amount information according to the intention of those skilled in the art It is preferred to further comprise a.

Referring to FIG. 5, the card issuing server 500 checks the validity of the card issuing application information, and the parental authority consent information included in the card issuing application information is linked to the wireless terminal to the customer (or minor). In case of agreeing to provide credit service for card (or wireless terminal), monthly call fee, data communication fee and communication for a certain period of time for the customer (or minor) in connection with the communication company server 170 through a predetermined communication means Information checking unit for checking the credit limit confirmation information including at least one charge overdue information and the like, and reading the credit limit confirmation information to determine whether a credit limit amount of a certain amount or more can be given to the customer (or minor) ( 525) (or information confirmation means) and the monthly communication included in the credit limit confirmation information when confirming the credit limit amount granting. And an information calculating unit 540 (or information calculating means) for reading credit, data communication fee, and communication charge delinquent information, and calculating credit limit amount information for the customer (or minor). The information storage unit 545 further stores the credit limit amount information in the wireless terminal linked card issuance information.

According to another embodiment of the present invention, the credit limit amount registration process for the wireless terminal linked card (or wireless terminal) is to provide a credit service for the wireless terminal linked card (or wireless terminal) to the customer (or minor). When consenting parental consent information is registered through a separate information registration procedure in addition to the card issuing procedure, the parental guardian consent information may be performed at the time of registration, and the present invention is not limited thereto.

The information checking unit 525 confirms predetermined credit limit confirmation information including monthly call charges for a predetermined period of time for the customer (or minor) in connection with the communication company server 170 through a predetermined communication means, When the monthly call charge for the predetermined period is more than a certain amount, it is characterized in that the predetermined credit limit amount is given to the customer (or minor).

In addition, the information confirmation unit 525 confirms predetermined credit limit confirmation information including monthly data communication charges for a predetermined period of time for the customer (or minor) in connection with the communication company server 170 through a predetermined communication means. And, if the monthly data communication fee for the identified period of time is more than a certain amount, characterized in that it is confirmed that a predetermined credit limit amount is given to the customer (or minor).

In addition, the information checking unit 525 is connected to the communication company server 170 via a predetermined communication means to obtain predetermined credit limit confirmation information including communication charge delinquent information for a predetermined period of time for the customer (or minor). When the communication fee is not overdue for the identified period of time, it is confirmed that a predetermined credit limit is given to the customer (or minor).

The information calculating unit 540 calculates predetermined credit limit amount information corresponding to the monthly call charges when the monthly call charges for the predetermined period included in the confirmed credit limit check information are determined to be higher than a predetermined amount. It features.

In addition, the information calculating unit 540, when it is confirmed that the monthly data communication fee for a predetermined period included in the confirmed credit limit confirmation information is equal to or greater than the amount, the predetermined credit limit amount information corresponding to the monthly data communication fee It is characterized by calculating.

In addition, the information calculating unit 540 calculates predetermined credit limit amount information corresponding to the communication fee delinquency information when there is no communication fee delinquency for a predetermined period included in the confirmed credit limit confirmation information during the period. Characterized in that.

When the predetermined credit limit amount information is calculated by the information calculating unit 540, the information storage unit 545 further stores the credit limit amount information in the wireless terminal linked card issuance information. .

Here, the credit limit amount information is to provide a credit service of a certain amount of monthly payment to the wireless terminal linked card (or the wireless terminal) issued to the customer (or minor) through the card issuing system shown in FIG. It is preferable to include the limit amount information for.

6 is a diagram illustrating a card issuing process for a wireless terminal based credit service for minors according to an embodiment of the present invention.

In more detail, in FIG. 6, in the card issuing system shown in FIG. 5, a predetermined customer prepares a predetermined card issuing application through a face-to-face card issuing interface (e.g., the card issuing application, employee terminal, and network means). When the card issuing staff is submitted to the card issuing staff, the card issuing staff enters (or selects) the card issuing application information corresponding to the card issuing application through a predetermined card issuing terminal 160 and the card issuing server 500 In this case, the card issuing server 500 illustrates a process of issuing a wireless terminal linked card for the wireless terminal-based credit service for the minor to the customer based on the card issuing application information. Those of ordinary skill in the art may refer to and / or modify the present invention in order to provide a wireless Various implementation methods for issuing the wireless terminal link card for a terminal-based credit service may be inferred, but 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 wireless terminal linked card is produced and provided (or shipped) to the customer, and then the wireless terminal linked card issuance information is stored in the storage medium 150. According to the intention, the process of storing predetermined wireless terminal linked card issuance information in the storage medium 150 is provided to the customer before manufacturing the wireless terminal linked card or after the wireless terminal linked card is made (or shipped). It may be carried out before), whereby the present invention is not limited.

Hereinafter, in FIG. 6, the card issuing terminal 160 shown in FIG. 5 is referred to as a "terminal" for convenience, and the card issuing server 500 is referred to as a "server" for convenience.

Referring to Figure 6, the customer is issued through the face-to-face card issuance interface (for example, the card issuance application, employee terminal and network means) to issue the wireless terminal linked card for the wireless terminal based credit service for the minor When a predetermined card issuance application (for example, a document having a form for filling in at least one information item for the wireless terminal-based credit service for minors) is completed and submitted to the card issuing staff, the card issuing staff The terminal receives (or selects) the card issuance application information corresponding to the card issuance application written by the customer through a predetermined user interface (600), and transmits the card issuance application information to the server through the network means. (605).

According to an embodiment of the present invention, the card issuance application information includes at least one of customer information (or minor information), parental consent information, wireless terminal information, and customer account information.

Here, the customer information (or minor information) is a customer individual for a minor (or a prohibited person, or a limited amount, etc.) whose credit service is not available among telecommunication company customers who want to issue the wireless terminal link card among the telecommunication company users. It is preferable to include information (eg, customer name, social security number, address, telephone number, e-mail address, etc.) and at least one or more customer member information (eg, member ID information).

The parental authority consent information includes parental authority information corresponding to the legal representative of the customer (or minor), and the parental authority issues the wireless terminal link card to the customer (or minor), or a credit service through the wireless terminal link card. Preferably, the parental authority identification information confirms consent of the parental guardian for providing the parental guardian information, wherein the parental guardian information of the customer (or minor) (eg, the name of the parental authority, social security number, address, telephone number, e-mail address). Etc.) and at least one parent member member information (e.g., member ID information, etc.), and the parental authority consent information is based on the parental authority consent process provided in the carrier (or card issuer). Card issuing institution).

According to an embodiment of the present invention, the parental authority consent information for issuing the wireless terminal linking card to the customer (or minor) includes the parental authority information and the parental authority for the wireless terminal linking card to the customer (or minor). It is desirable to include parental identification information agreeing to issue.

In addition, parental consent information for providing a credit service through the wireless terminal link card (or wireless terminal) to the customer (or minor), the parental authority information and the parental authority to the customer (or minor) wireless terminal link card (Or wireless terminal) It is preferable to include the paternity identification information that agrees to provide credit services through.

The wireless terminal information is unique information (eg, address information, identification code) for the wireless terminal owned (or possessed) by the telecommunications company to provide a wireless communication service to the customer (or minor), Or at least one or more unique numbers (eg, telephone numbers, identification numbers, or serial numbers (ESN), etc.).

The customer account information is the wireless terminal linked card when the wireless terminal linked card is associated with a predetermined financial account (for example, the wireless terminal linked card includes any one of a check card, debit card, cash card), the wireless terminal linked card Financial account information associated with, wherein the customer account information is at least a communication charge direct debit financial account information for the wireless terminal, real account information of the customer (or minor) name, or online account information, or virtual account information It is preferable to include one or more, or to include at least one of the real account information, online account information, or virtual account information of the parental authority name, wherein the wireless terminal link card is not associated with a predetermined financial account In this case, it may be omitted.

Thereafter, the server receives and reads the card issuing application information from the terminal through the network means, and confirms the validity of issuing the wireless terminal linked card to the customer (or minor) based on the card issuing application information. 610.

According to an embodiment of the present invention, the validity confirmation for issuing the wireless terminal linked card to the customer (or minor) is based on predetermined communication means based on the customer information (or minor information) included in the card issuance application information. In connection with a predetermined carrier server 170 having the carrier subscriber D / B through it is preferable to include whether the customer (or minor) is the carrier customer.

In addition, the validity confirmation for issuing the wireless terminal linked card to the customer (or minor) is to confirm that the parental authority consent information (eg, parental authority information or parental authority identification information) included in the card issuance application information is valid. Preferably, the verification of the validity of the parental authority consent information includes a parental authority verification procedure provided in the communication company (or card issuer).

In addition, the validity confirmation for issuing the wireless terminal linked card to the customer (or minor) is provided with the carrier subscriber D / B through a predetermined communication means based on the wireless terminal information included in the card issuance application information. In connection with a predetermined communication company server 170, it is preferable to include whether the customer (or minor) is using a wireless terminal corresponding to the wireless terminal information.

In addition, the validity check for issuing the wireless terminal linked card to the customer (or minor) is linked with the financial company server 175 corresponding to the customer account when the card issue application information includes the customer account information. It is preferable to include a check that the customer account is a valid financial account.

If the validity to issue the wireless terminal linked card to the customer is not authenticated through the card issuing application information (615), the server provides the card issuing error information to the customer through the card issuing interface; 620, stop issuing the wireless terminal link card to the customer.

On the other hand, if the validity to issue the wireless terminal linked card to the customer is authenticated through the card issuing application information (615), the server corresponds to the wireless terminal linked card to issue to the customer based on the card issuance application information. Generate (or extract) predetermined card information (625), and the card information includes a card number (eg, 16-digit card number), an expiration date information (some may be omitted), and a card issue corresponding to the wireless terminal linked card. It includes at least one or more agency 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.

Preferably, the expiration date information includes a period (or an expiration date and time) in which the radio terminal link card can be used, and may be omitted when an expiration date does not exist in the radio terminal link card. This is not limited.

The card issuer information (or code) preferably comprises at least one unique number (or unique code) assigned to the card issuer (or financial company) that issues the wireless terminal linked card to the customer.

Thereafter, the server generates a predetermined card applet (or IC chip storage information) including the generated (or extracted) card information (630), and generates the card applet (or IC chip storage information). In operation 635, the client wireless terminal 560 is transmitted to the customer wireless terminal 560 through a wireless communication network corresponding to the customer wireless terminal 560 information included in the issuance application information.

Here, the card applet (or IC chip storage information) includes a file structure recorded on a wireless IC chip provided in the customer wireless terminal 560 and operable on a chip operating system (COS) on the wireless IC chip. desirable.

According to the method of the present invention, the server reads the customer wireless terminal 560 information included in the card issuing application information to identify a wireless communication network corresponding to the customer wireless terminal 560 information, and the wireless communication network and It is preferable to transmit the generated card applet (or IC chip storage information) to the customer wireless terminal 560 through a predetermined applet providing server 555 connected.

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 555 to the customer wireless terminal 560 (for example, The card applet (or IC chip storage information) transmission using a wireless message and a callback URL) may be inferred, but the present invention is characterized by including all the inferred implementation methods.

Thereafter, the customer wireless terminal 560 records the received card applet (or IC chip storage information) on a wireless IC chip provided in the corresponding wireless terminal, thereby wirelessly corresponding to the card applet (or IC chip storage information). Issuing terminal connection card (640).

Thereafter, the server receives customer information (or minor information), parental consent information, wireless terminal information, customer account information, and wireless terminal issued to the customer included in the card issuing application information provided from the customer through the card issuing interface. The wireless terminal linked card issuance information including at least one card information for the linked card is stored in the storage medium 150 (635).

Here, the customer information (or minor information) is a customer individual for a minor (or a prohibited person, or a limited amount, etc.) whose credit service is not available among telecommunication company customers who want to issue the wireless terminal link card among the telecommunication company users. It is preferable to include information (eg, customer name, social security number, address, telephone number, e-mail address, etc.) and at least one or more customer member information (eg, member ID information).

The parental authority consent information includes parental authority information corresponding to the legal representative of the customer (or minor), and the parental authority issues the wireless terminal link card to the customer (or minor), or a credit service through the wireless terminal link card. Preferably, the parental authority identification information confirms consent of the parental guardian for providing the parental guardian information, wherein the parental guardian information of the customer (or minor) (eg, the name of the parental authority, social security number, address, telephone number, email address) Etc.) and at least one parent member member information (e.g., member ID information, etc.), and the parental authority consent information is based on the parental authority consent process provided in the carrier (or card issuer). Card issuing institution).

According to an embodiment of the present invention, the parental authority consent information for issuing the wireless terminal linking card to the customer (or minor) includes the parental authority information and the parental authority for the wireless terminal linking card to the customer (or minor). It is desirable to include parental identification information agreeing to issue.

In addition, parental consent information for providing a credit service through the wireless terminal link card (or wireless terminal) to the customer (or minor), the parental authority information and the parental authority to the customer (or minor) wireless terminal link card (Or wireless terminal) It is preferable to include the paternity identification information that agrees to provide a credit service.

The wireless terminal information is unique information (eg, address information, identification code) for the wireless terminal owned (or possessed) by the telecommunications company to provide a wireless communication service to the customer (or minor), Or at least one or more unique numbers (eg, telephone numbers, identification numbers, or serial numbers (ESN), etc.).

The customer account information is associated with the wireless terminal when the wireless terminal linked card is associated with a predetermined financial account (for example, when the wireless terminal linked card includes any one of a check card, a debit card, and a cash card). As financial account information associated with a card, the customer account information may include a communication fee direct debit financial account information for the wireless terminal, real account information of the name of the customer (or minor), online account information, or virtual account information. At least one or more, or comprises at least one of the real account information, online account information, or virtual account information in the name of the parental authority, the wireless terminal link card is not associated with a predetermined financial account If not, it may be omitted.

The card information is payment means information (eg, credit card payment means information, check card payment means information, debit card payment means information, cash card issued to the customer (or minor) through the card issuing system shown in FIG. 5). Payment means information, prepaid card payment means information, etc.), the card number, card issuing institution code, the expiration date (some may be omitted), etc. preferably comprises at least one, predetermined limit amount information according to the intention of those skilled in the art It is preferred to further comprise a.

According to an embodiment of the present invention, the storage medium 150 is provided in a predetermined DBMS provided (or linked) in the communication company, or in a predetermined financial system provided (or linked) in the card issuer. Preferably, the storage medium 150 is a subscriber D / B provided in the DBMS of the telecommunication company, or a ledger D / B provided in the DBMS on the financial system. It may be a predetermined database associated with the ledger D / B, whereby the present invention is not limited.

According to another embodiment of the present invention, the storage medium 150 is an online payment system, and / or WAP-based wireless payment system, and / or provided on the carrier (or card issuer) It is possible to be provided in the DBMS on at least one or more of the IC chip-based wireless payment system, and / or tele payment system, whereby the present invention is not limited.

According to another embodiment of the present invention, the storage medium 150 is an Internet banking system, and / or a telebanking system provided on the carrier (or card issuer), and / or wireless. It is possible to be provided in a DBMS on at least one banking system of a banking system, and / or a TV banking system, whereby the present invention is not limited.

7 is a diagram illustrating a card issuing process for a wireless terminal based credit service for minors according to another embodiment of the present invention.

In more detail, FIG. 7 illustrates a non-face-to-face card issuing interface (e.g., client terminal and network means including at least one of a wired terminal and / or a wireless terminal) by a predetermined customer in the card issuing system shown in FIG. When the card issuing server 500 is accessed through inputting (or selecting) predetermined card issuing application information and transmitting the same, the card issuing server 500 targets the minor to the customer based on the card issuing application information. A process of issuing a wireless terminal link card for a wireless terminal-based credit service, and a person of ordinary skill in the art to which the present invention pertains, refers to and / or modifyes the drawing of FIG. It is possible to infer various implementation methods for issuing the wireless terminal link card for the base credit service. I, the present invention includes all the embodiments in which the inference method, not limited to the exemplary method shown in the figure 7.

For example, FIG. 7 illustrates that the wireless terminal linked card is produced and provided (or shipped) to the customer, and then the wireless terminal linked card issuance information is stored in the storage medium 150. According to the intention, the process of storing predetermined wireless terminal linked card issuance information in the storage medium 150 is provided to the customer before manufacturing the wireless terminal linked card or after the wireless terminal linked card is made (or shipped). It may be carried out before), whereby the present invention is not limited.

Hereinafter, in FIG. 7, the card issuing terminal 160 shown in FIG. 5 is referred to as a "terminal" for convenience, and the card issuing server 500 is referred to as a "server" for convenience.

Referring to FIG. 7, the customer connects the communication channel for card issuance application by accessing the server through a predetermined terminal, and the wireless terminal connection card for the wireless terminal-based credit service for the minor through the communication channel. Apply for issuing (700), and in response, the server generates (or extracts) a user interface for issuing the wireless terminal link card and provides it to the terminal through the communication channel (705).

Thereafter, the terminal receives (or selects) the card issuing application information through the user interface and transmits the input (or selection) of the card issuing application information to the server through the communication channel (710).

According to an embodiment of the present invention, the card issuance application information includes at least one of customer information (or minor information), parental consent information, wireless terminal information, and customer account information.

Here, the customer information (or minor information) is a customer individual for a minor (or a prohibited person, or a limited amount, etc.) whose credit service is not available among telecommunication company customers who want to issue the wireless terminal link card among the telecommunication company users. It is preferable to include information (eg, customer name, social security number, address, telephone number, e-mail address, etc.) and at least one or more customer member information (eg, member ID information).

The parental authority consent information includes parental authority information corresponding to the legal representative of the customer (or minor), and the parental authority issues the wireless terminal link card to the customer (or minor), or a credit service through the wireless terminal link card. Preferably, the parental authority identification information confirms consent of the parental guardian for providing the parental guardian information, wherein the parental guardian information of the customer (or minor) (eg, the name of the parental authority, social security number, address, telephone number, e-mail address). Etc.) and at least one parent member member information (e.g., member ID information, etc.), and the parental authority consent information is based on the parental authority consent process provided in the carrier (or card issuer). Card issuing institution).

According to an embodiment of the present invention, the parental authority consent information for issuing the wireless terminal linking card to the customer (or minor) includes the parental authority information and the parental authority for the wireless terminal linking card to the customer (or minor). It is desirable to include parental identification information agreeing to issue.

In addition, parental consent information for providing a credit service through the wireless terminal link card (or wireless terminal) to the customer (or minor), the parental authority information and the parental authority to the customer (or minor) wireless terminal link card (Or wireless terminal) It is preferable to include the paternity identification information that agrees to provide a credit service.

The wireless terminal information is unique information (eg, address information, identification code) for the wireless terminal owned (or possessed) by the telecommunications company to provide a wireless communication service to the customer (or minor), Or at least one or more unique numbers (eg, telephone numbers, identification numbers, or serial numbers (ESN), etc.).

The customer account information is the wireless terminal linked card when the wireless terminal linked card is associated with a predetermined financial account (for example, the wireless terminal linked card includes any one of a check card, debit card, cash card), the wireless terminal linked card Financial account information associated with, wherein the customer account information is at least a communication charge direct debit financial account information for the wireless terminal, real account information of the customer (or minor) name, or online account information, or virtual account information It is preferable to include one or more, or to include at least one of the real account information, online account information, or virtual account information of the parental authority name, the wireless terminal link card is not associated with a predetermined financial account If not, it may be omitted.

Thereafter, the server receives and reads the card issuing application information from the terminal through the network means to verify the validity of issuing the wireless terminal linked card to the customer (or minor) based on the card issuing application information. (715).

According to an embodiment of the present invention, the validity confirmation for issuing the wireless terminal linked card to the customer (or minor) is based on predetermined communication means based on the customer information (or minor information) included in the card issuance application information. In connection with a predetermined carrier server 170 having the carrier subscriber D / B through it is preferable to include whether the customer (or minor) is the carrier customer.

In addition, the validity confirmation for issuing the wireless terminal linked card to the customer (or minor) is to confirm that the parental authority consent information (eg, parental authority information or parental authority identification information) included in the card issuance application information is valid. Preferably, the verification of the validity of the parental authority consent information includes a parental authority verification procedure provided in the communication company (or card issuer).

In addition, the validity confirmation for issuing the wireless terminal linked card to the customer (or minor) is provided with the carrier subscriber D / B through a predetermined communication means based on the wireless terminal information included in the card issuance application information. In connection with a predetermined communication company server 170, it is preferable to include whether the customer (or minor) is using a wireless terminal corresponding to the wireless terminal information.

In addition, the validity check for issuing the wireless terminal linked card to the customer (or minor) is linked with the financial company server 175 corresponding to the customer account when the card issue application information includes the customer account information. It is preferable to include a check that the customer account is a valid financial account.

If the validity to issue the wireless terminal linked card to the customer is not authenticated through the card issuing application information (720), the server provides the card issuing error information to the customer through the card issuing interface; 725) stop issuing the wireless terminal link card to the customer.

On the other hand, if the validity of issuing the wireless terminal linked card to the customer through the card issuance application information is authenticated (720), the server corresponds to the wireless terminal linked card to issue to the customer based on the card issuance application information. And generating (or extracting) predetermined card information (730), wherein the card information includes a card number (eg, 16-digit card number), an expiration date information (some may be omitted), and a card issue corresponding to the wireless terminal linked card. It includes at least one or more agency 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.

Preferably, the expiration date information includes a period (or an expiration date and time) in which the radio terminal link card can be used, and may be omitted when an expiration date does not exist in the radio terminal link card. This is not limited.

The card issuer information (or code) preferably comprises at least one unique number (or unique code) assigned to the card issuer (or financial company) that issues the wireless terminal linked card to the customer.

Thereafter, the server generates a predetermined card applet (or IC chip storage information) including the generated (or extracted) card information (735), and generates the generated card applet (or IC chip storage information) to the card. In operation 740, the client wireless terminal 560 is transmitted to the customer wireless terminal 560 through a wireless communication network corresponding to the customer wireless terminal 560 information included in the issuance application information.

Here, the card applet (or IC chip storage information) includes a file structure recorded on a wireless IC chip provided in the customer wireless terminal 560 and operable on a chip operating system (COS) on the wireless IC chip. desirable.

According to the method of the present invention, the server reads the customer wireless terminal 560 information included in the card issuing application information to identify a wireless communication network corresponding to the customer wireless terminal 560 information, and the wireless communication network and It is preferable to transmit the generated card applet (or IC chip storage information) to the customer wireless terminal 560 through a predetermined applet providing server 555 connected.

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 555 to the customer wireless terminal 560 (for example, The card applet (or IC chip storage information) transmission using a wireless message and a callback URL) may be inferred, but the present invention is characterized by including all the inferred implementation methods.

Thereafter, the customer wireless terminal 560 records the received card applet (or IC chip storage information) on a wireless IC chip provided in the corresponding wireless terminal, thereby wirelessly corresponding to the card applet (or IC chip storage information). Issue a terminal link card (745).

Thereafter, the server receives customer information (or minor information), parental consent information, wireless terminal information, customer account information, and wireless terminal issued to the customer included in the card issuing application information provided from the customer through the card issuing interface. The wireless terminal linked card issuance information including at least one card information for the linked card is stored in the storage medium 150 (750).

Here, the customer information (or minor information) is a customer individual for a minor (or a prohibited person, or a limited amount, etc.) whose credit service is not available among telecommunication company customers who want to issue the wireless terminal link card among the telecommunication company users. It is preferable to include information (eg, customer name, social security number, address, telephone number, e-mail address, etc.) and at least one or more customer member information (eg, member ID information).

The parental authority consent information includes parental authority information corresponding to the legal representative of the customer (or minor), and the parental authority issues the wireless terminal link card to the customer (or minor), or a credit service through the wireless terminal link card. Preferably, the parental authority identification information confirms consent of the parental guardian for providing the parental guardian information, wherein the parental guardian information of the customer (or minor) (eg, the name of the parental authority, social security number, address, telephone number, email address) Etc.) and at least one parent member member information (e.g., member ID information, etc.), and the parental authority consent information is based on the parental authority consent process provided in the carrier (or card issuer). Card issuing institution).

According to an embodiment of the present invention, the parental authority consent information for issuing the wireless terminal linking card to the customer (or minor) includes the parental authority information and the parental authority for the wireless terminal linking card to the customer (or minor). It is desirable to include parental identification information agreeing to issue.

In addition, parental consent information for providing a credit service through the wireless terminal link card (or wireless terminal) to the customer (or minor), the parental authority information and the parental authority to the customer (or minor) wireless terminal link card (Or wireless terminal) It is preferable to include the paternity identification information that agrees to provide a credit service.

The wireless terminal information is unique information (eg, address information, identification code) for the wireless terminal owned (or possessed) by the telecommunications company to provide a wireless communication service to the customer (or minor), Or a unique number (eg, a telephone number, an identification number, or an serial number (ESN), etc.).

The customer account information is the wireless terminal linked card when the wireless terminal linked card is associated with a predetermined financial account (for example, the wireless terminal linked card includes any one of a check card, debit card, cash card), the wireless terminal linked card Financial account information associated with, wherein the customer account information is at least a communication charge direct debit financial account information for the wireless terminal, real account information of the customer (or minor) name, or online account information, or virtual account information It is preferable to include one or more, or to include at least one of the real account information, online account information, or virtual account information of the parental authority name, wherein the wireless terminal link card is not associated with a predetermined financial account In this case, it may be omitted.

The card information is payment means information (eg, credit card payment means information, check card payment means information, debit card payment means information, cash card issued to the customer (or minor) through the card issuing system shown in FIG. 5). Payment means information, prepaid card payment means information, etc.), the card number, card issuing institution code, the expiration date (some may be omitted), etc. preferably comprises at least one, predetermined limit amount information according to the intention of those skilled in the art It is preferred to further comprise a.

According to an embodiment of the present invention, the storage medium 150 is provided in a predetermined DBMS provided (or linked) with the telecommunications company, or provided with a predetermined finance provided in the card issuing institution (or linked). Preferably, the storage medium 150 is a subscriber D / B provided to the telecommunication company's DBMS, or the ledger D / B provided to the DBMS on the financial system, and / or It may be a predetermined database associated with the ledger D / B, whereby the present invention is not limited.

According to another embodiment of the present invention, the storage medium 150 is an online payment system, and / or WAP-based wireless payment system, and / or provided on the carrier (or card issuer) It is possible to be provided in the DBMS on at least one or more of the IC chip-based wireless payment system, and / or tele payment system, whereby the present invention is not limited.

According to another embodiment of the present invention, the storage medium 150 is an Internet banking system, and / or a telebanking system provided on the carrier (or card issuer), and / or wireless. It is possible to be provided in a DBMS on at least one banking system of a banking system, and / or a TV banking system, whereby the present invention is not limited.

8 is a diagram illustrating a credit limit amount setting process for a wireless terminal based credit service for minors according to another embodiment of the present invention.

In more detail, FIG. 8 illustrates a process of issuing a predetermined wireless terminal linked card to the customer (or minor) through the card issuing system shown in FIG. 5, wherein the card issuance request information is sent to the customer (or minor). If parental consent information is included that agrees to provide a credit service through a wireless terminal link card (or wireless terminal), the customer (or minor) is based on monthly call charges, data communication charges, and communication charge delinquency information of the customer (or minor). Or a minor) to set a predetermined credit limit amount, and a person having ordinary knowledge in the technical field to which the present invention belongs, refer to and / or modify the drawing 8, and the wireless terminal-based credit service for the minor Although it may be possible to infer various implementation methods for the credit limit amount setting process for the present invention, Is made, including any exemplary method of inference, to which the technical feature that is not limited to the exemplary method shown in the figure 8.

For example, a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 8 to the customer (or minor) from the parental authority through the card issuance process and a separate information registration procedure. Receiving parental consent information agreeing to provide credit service through a wireless terminal linked card (or wireless terminal), the customer (or minor) based on the monthly call fee, data communication fee and telecommunication fee delinquency information of the customer (or minor) It can be inferred that the process of setting a predetermined credit limit amount to the), but the present invention is characterized in that it comprises all the implementation methods inferred, and the technical features only by the implementation method shown in FIG. It is not limited.

Hereinafter, in FIG. 8, the card issuing terminal 160 shown in FIG. 5 is referred to as a "terminal" for convenience, and the card issuing server 500 is referred to as a "server" for convenience.

Referring to FIG. 8, the customer information (or minor information), parental consent information, wireless terminal information, and the like are transmitted to the server in the process of issuing the wireless terminal linked card through the card issuing process shown in FIGS. 6 and / or 7. After receiving the card issuing application information including at least one customer account information, the server reads the card issuing application information to the customer (or minor) credit service for the wireless terminal link card (or wireless terminal) Check the validity of the offer (800).

According to the method of the present invention, the validity check for providing the credit service for the wireless terminal linked card (or wireless terminal) to the customer (or minor), customer information (or minor information included in the card issuance application information) It is preferable to include whether the customer (or minor) is the carrier customer in connection with a predetermined carrier server 170 having the carrier subscriber D / B through a predetermined communication means.

In addition, the validity confirmation for the credit service provision for the wireless terminal linked card (or wireless terminal) to the customer (or minor), the parental authority consent information (for example, parental authority information, or parental authority confirmation included in the card issuance application information) Information) is preferably included, and the validity verification of the parental authority consent information includes a parental authority verification procedure provided in the communication company (or card issuer).

In addition, the validity check for the credit service provision for the wireless terminal linked card (or wireless terminal) to the customer (or minor), through a predetermined communication means based on the wireless terminal information included in the card issuance application information. In connection with a predetermined carrier server 170 having the carrier subscriber D / B, it is preferable to include whether the customer (or minor) is using a radio terminal corresponding to the radio terminal information.

In addition, checking the validity of the credit service provision for the wireless terminal linked card (or wireless terminal) to the customer (or minor) corresponds to the customer account when the card issuance application information includes the customer account information. In connection with the financial company server 175 is preferably made comprising a check whether the customer account is a valid financial account.

If the validity of the credit service provision for the wireless terminal link card (or wireless terminal) is confirmed to the customer (or minor) (805), the server is based on the card issuance application information, the server (or minor). Credit limit confirmation information including at least one or more monthly call charges, data communication charges, and communication charge delinquency information for a predetermined period of time for the customer (or minor) in connection with a predetermined communication company server 170 that provides a wireless communication service to a customer. In operation 815, the credit limit confirmation information may be read to determine whether the customer (or minor) can be given a credit limit amount of a predetermined amount or more (815).

According to an exemplary embodiment of the present invention, the server receives predetermined credit limit confirmation information including monthly call charges for a predetermined period of time for the customer (or minor) in connection with the communication company server 170 through a predetermined communication means. If it is confirmed that the monthly call charge for the predetermined period is more than a certain amount, it is preferable to confirm that a predetermined credit limit amount is given to the customer (or minor).

In addition, the server confirms predetermined credit limit confirmation information including monthly data communication fee for a predetermined period of time for the customer (or minor) in connection with the communication company server 170 through a predetermined communication means, and the confirmed When the monthly data communication fee for a certain period is a certain amount or more, it is preferable to confirm that a predetermined credit limit amount is given to the customer (or minor).

In addition, the server confirms predetermined credit limit confirmation information including communication charge delinquency information for a predetermined period of time for the customer (or minor) in connection with the communication company server 170 through a predetermined communication means, and the confirmation If there is no overdue communication fee for a predetermined period of time, it is preferable to confirm that a predetermined credit limit amount is given to the customer (or minor).

If it is determined that the credit limit amount more than a predetermined amount cannot be given to the customer (or minor) (820), the server generates predetermined credit limit error information and transmits it to the terminal (825).

On the other hand, if it is possible to grant the customer (or minor) a credit limit amount more than a certain amount (820), the server may limit the number of credit limits that can be granted to the customer (or minor) from the confirmed credit limit confirmation information. The amount of money information is calculated (830).

According to an exemplary embodiment of the present invention, when the monthly call charge for the predetermined period included in the confirmed credit limit confirmation information is determined to be equal to or greater than a predetermined amount, the server receives predetermined credit limit amount information corresponding to the monthly call charge. It is desirable to calculate.

In addition, when the monthly data communication fee for a certain period included in the confirmed credit limit confirmation information is determined to be equal to or greater than the amount, it is preferable that the server calculates predetermined credit limit amount information corresponding to the monthly data communication fee. .

In addition, when there is no communication fee delinquency for a predetermined period included in the confirmed credit limit confirmation information during the period, the server preferably calculates predetermined credit limit amount information corresponding to the communication fee delinquency information.

Thereafter, the server issuing a wireless terminal linked card including at least one of the customer information (or minor information), parental consent information, wireless terminal information, customer account information, and card information for the wireless terminal linked card issued to the customer. The credit limit amount information is further included in the information and stored in the storage medium 150 (835), and the calculated credit limit amount information is transmitted to the terminal (840).

9 is a view showing a wireless terminal based credit management system for minors according to an embodiment of the present invention.

In more detail, FIG. 9 is a storage medium by performing a credit limit amount setting process shown in FIGS. 4 and / or 8 through a card issuing system or a separate information registration system in FIGS. 1 and / or 5. After the wireless terminal linked card issuance information is stored in 150, the customer (or the user in association with a communication company server 170 that provides a credit service for the wireless terminal linked card (or wireless terminal) through a predetermined communication means). Check the credit amount provided to the minor, and charge the communication fee of the customer (or minor), or check the credit limit confirmation information for the customer (or minor) periodically to check the credit amount of the customer (or minor). FIG. 9 illustrates a system configuration for periodically updating the credit limit amount, and a person of ordinary skill in the art to which the present invention pertains to FIG. Although various implementation methods for the construction of the wireless terminal-based credit operation system for minors may be inferred by reference and / or modification, the present invention includes all the implementation methods inferred, and is illustrated in FIG. 9. The technical features are not limited only by the method.

The minor wireless terminal based credit management system according to the embodiment of the present invention, the storage medium for storing the wireless terminal linked card issuance information and the credit service for the wireless terminal linked card (or wireless terminal) Check the credit amount provided to the customer (or minor) in connection with the providing carrier server 170, and charge the communication fee of the customer (or minor), or credit limit for the customer (or minor) A credit management server 900 periodically checking the confirmation information and periodically updating the credit limit amount of the customer (or minor); and a parental authority terminal 950 for limiting the credit limit amount of the customer (or minor); And a customer terminal 955 which blocks the credit service to the customer (or minor).

In FIG. 9, for convenience, the credit management server 900 is illustrated as being implemented as a separate server. However, according to the intention of a person skilled in the art, the credit management server 900 is included in the communication company server 170 or implemented. Alternatively, at least two or more server systems may be implemented, and the present invention is not limited thereto.

The storage medium 150 is the customer information (or minor information), parental consent information, wireless terminal information, customer account information and the customer through the card issuing system, or a separate information registration system in Figure 1 and / or Figure 5 Characterized in that the card information and credit limit information issued for the wireless terminal linked card issued to the wireless terminal linked card issuing information comprising at least one.

The customer information (or minor information) is customer personal information about a minor (or a prohibited person, or a limited amount), which cannot be used for credit services among telecommunication company customers who want to issue the wireless terminal link card among the telecommunication company users. For example, customer name, social security number, address, telephone number, e-mail address, etc.) and customer member information (eg, member ID information, etc.) is preferably included at least one or more.

The parental authority consent information includes parental authority information corresponding to the legal representative of the customer (or minor), and the parental authority issues the wireless terminal link card to the customer (or minor), or a credit service through the wireless terminal link card. Preferably, the parental authority identification information confirms consent of the parental guardian for providing the parental guardian information, wherein the parental guardian information of the customer (or minor) (eg, the name of the parental authority, social security number, address, telephone number, e-mail address). Etc.) and at least one parent member member information (e.g., member ID information, etc.), and the parental authority consent information is based on the parental authority consent process provided in the carrier (or card issuer). Card issuing institution).

According to an embodiment of the present invention, the parental authority consent information for issuing the wireless terminal linking card to the customer (or minor) includes the parental authority information and the parental authority for the wireless terminal linking card to the customer (or minor). It is desirable to include parental identification information agreeing to issue.

In addition, parental consent information for providing a credit service through the wireless terminal link card (or wireless terminal) to the customer (or minor), the parental authority information and the parental authority to the customer (or minor) wireless terminal link card (Or wireless terminal) It is preferable to include the paternity identification information that agrees to provide a credit service.

The wireless terminal information is unique information (eg, address information, identification code) for the wireless terminal owned (or possessed) by the telecommunications company to provide a wireless communication service to the customer (or minor), Or at least one or more unique numbers (eg, telephone numbers, identification numbers, or serial numbers (ESN), etc.).

The customer account information is the wireless terminal linked card when the wireless terminal linked card is associated with a predetermined financial account (for example, the wireless terminal linked card includes any one of a check card, debit card, cash card), the wireless terminal linked card Financial account information associated with, wherein the customer account information is at least a communication charge direct debit financial account information for the wireless terminal, real account information of the customer (or minor) name, or online account information, or virtual account information It is preferable to include one or more, or to include at least one of the real account information, online account information, or virtual account information of the parental authority name, wherein the wireless terminal link card is not associated with a predetermined financial account In this case, it may be omitted.

The card information is payment means information (for example, credit card payment means information, check card payment means information, debit card payment means information, cash card issued to the customer (or minor) through the card issuing system shown in FIG. Payment means information, prepaid card payment means information, etc.), the card number, card issuing institution code, the expiration date (some may be omitted), etc. preferably comprises at least one, predetermined limit amount information according to the intention of those skilled in the art It is preferred to further comprise a.

The credit limit amount information is a limit for providing a credit service for a certain amount of monthly payment to a wireless terminal linked card (or the wireless terminal) issued to the customer (or minor) through the card issuing system shown in FIG. Preferably, the credit limit amount information is set by the telecommunication company based on monthly call charges, data communication charges, and communication charge delinquency information for the customer (or minor). .

The parental rights terminal 950 is a generic term for a terminal device used by a parental authority corresponding to parental consent information stored in the storage medium 150 and includes at least a wired terminal connected to a predetermined wired communication network or a wireless terminal connected to a predetermined wireless communication network. Characterized in that it comprises one or more.

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.

In addition, the parental authority terminal 950 outputs at least one or more user interfaces provided by the credit management server 900, and inputs and / or selects at least one or more information through the user interface to provide the credit management server 900. It is preferable that a function configuration (for example, a browser program and a communication function, or a predetermined communication program and communication function to communicate with the credit operation server 900, etc.) for transmission to the mobile phone 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. .

The customer terminal 955 is a generic term for a terminal device used by a customer (or a minor) corresponding to customer information (or minor information) stored in the storage medium 150, and is a wired terminal connected to a predetermined wired communication network or a predetermined terminal. Characterized in that it comprises at least one or more wireless terminals connected to a wireless communication network.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network, and includes a desktop computer and / or connected to the TCP / IP based communication network. At least one notebook or a home appliance terminal (eg, a set-top-box) connected to the TCP / IP-based communication network or a kiosk connected to the TCP / IP-based communication network It is preferable to make.

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.

In addition, the customer terminal 955 outputs at least one or more user interfaces provided by the credit management server 900, and inputs and / or selects at least one or more information through the user interface to provide the credit management server 900. It is preferable that a function configuration (for example, a browser program and a communication function, or a predetermined communication program and communication function to communicate with the credit operation server 900, etc.) for transmission to the mobile phone 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. .

Referring to FIG. 9, the credit management server 900 is linked with a communication company server 170 that provides a credit service for the wireless terminal link card (or wireless terminal) through a predetermined communication means. Information confirmation unit 905 (or information confirmation means) for confirming the amount of credit provided to the user; and in connection with the billing server provided in the communication company, the confirmed credit amount is charged to the communication fee of the customer (or minor) It is characterized by comprising a charging processing unit 910 (or charging processing means) for charging.

The information checking unit 905 requests the customer (or minor) to the communication company in connection with a communication company server 170 that provides a credit service for the wireless terminal link card (or wireless terminal) through a predetermined communication means. It is characterized in that for checking the predetermined credit amount received.

According to another exemplary embodiment of the present invention, when the credit service for the wireless terminal link card is provided by the card company that issued the wireless terminal link card, the information checking unit 905 connects the wireless terminal through the communication means. In connection with a card company server (not shown) that provides a credit service for a card, the customer (or minor) requests the credit card company to check a predetermined credit amount, and the present invention is not limited thereto. No.

According to another exemplary embodiment of the present invention, when the credit service for the wireless terminal linked card is provided by a financial institution in which a customer account associated with the wireless terminal linked card is opened, the information checking unit 905 is configured to communicate with the communication means. Through the connection with the financial company server 175 (not shown) providing a credit service for the wireless terminal linked card through the customer (or minor) to check the predetermined credit amount loaned to the financial company by requesting the financial company; The present invention is not limited thereto.

When the credit amount for the customer (or minor) is confirmed by the information confirming unit 905, the billing processing unit 910 is connected to the billing server provided in the communication company through a predetermined communication means to confirm the credit. It is characterized in that the charge is charged to the communication fee of the customer (or minor).

According to one embodiment of the invention, the credit amount is preferably charged to the communication fee of the customer (or minor) in the form of an additional fee of the communication fee.

According to another exemplary embodiment of the present invention, the credit amount is preferably added to the communication fee of the customer (or minor) by adding a predetermined credit amount item to the communication fee.

Referring to FIG. 9, the credit management server 900 is linked with a communication company server 170 that provides a communication service for a wireless terminal used by the customer (or minor) through a predetermined communication means. Information confirmation unit 905 (or information confirmation means) for confirming credit limit confirmation information including at least one or more of monthly call charges, data communication charges, and communication charge delinquency information for a predetermined period of time; An information calculating unit 915 (or information calculating means) for reading the monthly call charges, data communication charges, and communication charge delinquency information included in the to calculate credit limit amount information for the customer (or minor); and the calculated credit By comparing the limit amount information and the credit limit amount information stored in the storage medium 150 and storing the calculated credit limit amount information and the storage medium 150 If the credit limit amount information is different, a limit amount updating unit 920 (or limit amount updating means) for updating the calculated credit limit amount information to the credit limit amount information stored in the storage medium 150 is provided. It features.

The information checking unit 905 is connected to a communication company server 170 that provides a communication service for a wireless terminal used by the customer (or minor) through a predetermined communication means for a predetermined period of time for the customer (or minor). Confirm a predetermined credit limit check information including a monthly call fee of a predetermined credit limit, and / or a predetermined credit limit including a monthly data communication fee for a predetermined period of time for the customer (or minor) in connection with the telecommunication company server 170; Confirm the confirmation information, and / or confirm the predetermined credit limit confirmation information including the communication fee delinquency information for a predetermined period of time for the customer (or minor) in connection with the communication company server 170. .

The information calculating unit 915 calculates predetermined credit limit amount information corresponding to the monthly call fee when the monthly call charge for the predetermined period included in the confirmed credit limit checking information is equal to or greater than a predetermined amount; And / or when the monthly data communication fee for a predetermined period included in the confirmed credit limit confirmation information is determined to be equal to or greater than the amount, calculating predetermined credit limit amount information corresponding to the monthly data communication fee, and / or the When there is no communication fee delinquency for a certain period included in the confirmed credit limit confirmation information, the predetermined credit limit amount information corresponding to the communication fee delinquency information is calculated.

When the credit limit amount information is calculated by the information calculating unit 915, the limit amount updating unit 920 is processed in association with the calculated credit limit amount information and the customer information (or minor information) to store the storage medium. The credit limit amount information stored in 150 may be compared to determine whether the calculated credit limit amount information is different from the credit limit amount information stored in the storage medium 150.

If the check result is different from the credit limit amount information, the limit amount update unit 920 may update the calculated credit limit amount information to the credit limit amount information stored in the storage medium 150.

Referring to FIG. 9, the credit management server 900 connects a communication channel for limiting the credit limit amount in connection with the parental authority terminal 950 through a predetermined network means (interface means). And the card issuing terminal by generating (or extracting) a predetermined user interface for inputting (or selecting) predetermined credit limit restriction information from the parental rights terminal 950 in cooperation with the interface unit 925. An interface providing unit 930 (or an interface providing unit) provided to the 160 and the interface unit 925 interoperate with the interface unit 925 to input (or select) and transmit the data through the user interface. An information receiving unit 935 (or information receiving means) for receiving predetermined credit limit restriction information, and a validity checking unit 9 for checking the validity of the credit limit restriction information. 40 (or a validity confirming means) and an information storage unit 945 for limiting and storing the credit limit amount information of the customer (or minor) in response to the credit limit restriction information when checking the validity of the credit limit restriction information. (Or information storage means).

According to an embodiment of the present invention, when the parental rights terminal 950 includes a wired terminal connected to a predetermined wired communication network, the interface unit 925 is based on the protocol stack defined in the wired communication network. It is preferable to connect a communication channel 950 with a predetermined communication channel and provide a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the parental rights terminal 950. .

For example, when a browser program corresponding to a Hyper-Text Transfer Protocol (HTTP) protocol is provided in the parental authority terminal 950, the interface unit 925 may be connected to the parental authority terminal 950 based on the TCP / IP protocol. It connects a communication channel and provides a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) and / or information using the HTPP protocol defined in the browser program.

Alternatively, when the parental authority terminal 950 is provided with a predetermined card issuance application program provided by the card issuing server, the interface unit 925 communicates with the parental authority terminal 950 based on the TCP / IP protocol. It connects a channel and 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 parental authority terminal 950 includes a wireless terminal connected to a predetermined wireless communication network, the interface unit 925 may be configured to execute the parental authority based on the protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for connecting at least one communication channel with a terminal 950 and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program included in the parental rights terminal 950. Do.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol is provided in the parental rights terminal 950, the interface unit 925 may be configured to execute the parental rights terminal based on the CDMA protocol. 950 and a communication channel, and a web page (eg, a WML (Wireless Markup Language) compatible web page, or an HTML compatible web page) and / or information transmission and reception using a WAP / ME protocol defined in the browser program. Provides a communication interface for

Alternatively, when the parental rights terminal 950 is provided with a card issuance application program provided by the card issuing server, the interface unit 925 connects a communication channel with the parental rights terminal 950 based on the CDMA protocol. It provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

The interface providing unit 930 limits the credit limit in response to a functional configuration provided in the parental authority terminal 950 when a predetermined parental authority terminal 950 is connected to the card issuing server through the interface unit 925. Generate a predetermined user interface capable of inputting (or selecting) information to be transmitted to the card issuing server via the network means, and / or extracting from a predetermined database (not shown), and the interface unit 925; And providing the generated (or extracted) user interface to the parental authority terminal 950 via the network means.

Thereafter, the parental authority terminal 950 inputs (or selects) the credit limit restriction information based on the user interface, and sends the input (or selected) credit limit restriction information to the card issuing server through the network means. send.

According to an embodiment of the present invention, when the parental rights terminal 950 includes a wired terminal connected to a predetermined wired communication network, the interface providing unit 930 may include a browser program provided in the parental rights terminal 950. And / or 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 parental authority terminal 950 through the interface unit 925.

According to another exemplary embodiment of the present invention, when the parental rights terminal 950 includes a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 930 is a browser program provided in the parental rights terminal 950. And / or generate (or extract) a predetermined user interface that can be provided to a communication program, and provide the generated (or extracted) user interface to the parental authority terminal 950 through the interface unit 925. .

The information receiver 935 inputs (or selects) predetermined credit limit restriction information through the user interface in the parental authority terminal 950, and transmits the same through the network means. Characterized in that it receives the credit limit restriction information, and provides the received credit limit restriction information to the validity verification unit 940.

According to the method of the present invention, the credit limit restriction information includes the parental authority information and the credit limit restriction amount information.

Here, the parental authority information included in the credit limit information is information matching the parental authority information included in the parental authority consent information stored in the storage medium 150, and the personal authority of the parental authority (for example, name of the parental authority, social security number, address). , A phone number, an e-mail address, and the like, and at least one parent member member information (eg, member ID information).

The credit limit restriction amount information included in the credit limit restriction information is equal to or less than a certain amount of credit limit amount of the customer (or minor) regardless of at least one or more credit limit confirmation information confirmed from the communication company server 170. It is preferable to include the amount of money information to be limited.

The validity checker 940 compares and authenticates the parental authority information included in the credit limit restriction information with the parental authority information included in the parental authority consent information stored in the storage medium 150, and transmits the credit limit restriction information. It is characterized by checking whether the valid parent of the customer (or minor).

When validating the credit limit restriction information by the validity checking unit 940, the information storage unit 945 stores the credit limit amount information of the customer (or minor) in response to the credit limit restriction information. Characterized in that.

According to an exemplary embodiment of the present invention, the information storage unit 945 may store the credit limit amount information of the customer (or minor) so as not to exceed the credit limit limit amount information. If the credit limit amount calculated by the information calculating unit 915 is smaller than the credit limit amount information limited by the credit limit restriction information, the limit amount updating unit 920 adjusts the credit limit amount of the customer (or minor). It is preferable to update to the calculated credit limit amount.

According to another exemplary embodiment of the present invention, the information storage unit 945 restricts the sum of the conventional communication fee and the credit amount from the communication fee of the customer (or minor) not to exceed the credit limit limit amount information. Preferably, the limit amount update unit 920 may use the credit limit so that the sum of the conventional communication rate and the credit amount does not exceed the credit limit limit amount information in the communication rate of the customer (or minor). It is preferable to update the amount information.

9, the credit management server 900 connects a communication channel for limiting the credit limit amount in connection with the parental rights terminal 950 (or the customer terminal 955) through a predetermined network means. In response to the interface unit 925 (interface means) and the interface unit 925, the parental rights terminal 950 (or the customer terminal 955) inputs (or selects) predetermined credit blocking request information and transmits the same. An interface providing unit 930 (or interface providing means) for generating (or extracting) a predetermined user interface and providing the card issuing terminal 160 to the card issuing terminal 160 and the parent-child terminal 950 in cooperation with the interface unit 925. Information receiving unit 935 (or information receiving means) for receiving predetermined credit blocking request information inputted (or selected) and transmitted through the user interface (or the customer terminal 955); Validation unit 940 (or validity verification means) for checking the validity of the block request information, and when the validity of the credit block request information, in response to the credit block request information for the customer (or minor) And an information storage unit 945 (or information storage means) for changing and storing the credit limit amount information so as to block the credit service provision.

According to an embodiment of the present invention, when the parental authority terminal 950 (or the customer terminal 955) includes a wired terminal connected to a predetermined wired communication network, the interface unit 925 is defined in the wired communication network. It connects a predetermined communication channel with the parental authority terminal 950 (or customer terminal 955) based on a protocol stack, and is defined in a communication program provided in the parental authority terminal 950 (or customer terminal 955). It is desirable to provide a communication interface for transmitting and receiving at least one information (or data) using a communication protocol.

For example, when the parent program terminal 950 (or the customer terminal 955) is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 925 is based on the TCP / IP protocol. Connects the communication channel with the parental authority terminal 950 (or the customer terminal 955), and uses a HTPP protocol defined in the browser program, for example, a web page (e.g., a Hyper-Text Markup Language (HTML) compatible web page). And / or a communication interface for transmitting and receiving information.

Alternatively, when the parental authority terminal 950 (or the customer terminal 955) is provided with a predetermined card issuing application program provided by the card issuing server, the interface unit 925 is based on the TCP / IP protocol. It connects the communication channel with the parental authority terminal 950 (or the customer terminal 955), and 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 parental authority terminal 950 (or the customer terminal 955) includes a wireless terminal connected to a predetermined wireless communication network, the interface unit 925 is defined in the wireless communication network. Connected to the parental authority terminal 950 (or customer terminal 955) and a predetermined communication channel based on the established protocol stack, and defined in the communication program provided in the parental authority terminal 950 (or customer terminal 955) 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.

For example, when the parent program terminal 950 (or the customer terminal 955) is provided with a browser program corresponding to the WAP (Wireless Application Protocol) and / or Mobile Explorer (ME) protocol, the interface unit 925 The communication channel is connected to the parental authority terminal 950 (or the customer terminal 955) based on the CDMA protocol, and a web page (eg, WML (Wireless Markup Language) using the WAP / ME protocol defined in the browser program). Compatible web page, or HTML compatible web page) and / or communication interface for transmitting and receiving information.

Alternatively, when the card issuing application program provided by the card issuing server is provided in the parental authority terminal 950 (or the customer terminal 955), the interface unit 925 is based on the CDMA protocol. 950 (or a customer terminal 955) and a communication channel, and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

The interface providing unit 930 is a parental authority terminal 950 (or customer terminal 955) is connected to the card issuing server through the interface unit 925, the parental authority terminal 950 (or customer terminal) In response to the functional configuration provided at 955), a predetermined user interface capable of inputting (or selecting) the credit blocking request information and transmitting the credit blocking request information to the card issuing server through the network means, and / or A user interface extracted from a database (not shown) and linked with the interface unit 925 to the parental authority terminal 950 (or customer terminal 955) through the network means. It is characterized by providing.

Thereafter, the parental authority terminal 950 (or the client terminal 955) inputs (or selects) the credit blocking request information based on the user interface, and transmits the input (or selected) credit blocking request information to the network. Send to the card issuing server through the means.

According to an embodiment of the present invention, when the parental authority terminal 950 (or the customer terminal 955) includes a wired terminal connected to a predetermined wired communication network, the interface providing unit 930 is the parental authority terminal 950 (Or extract) a predetermined user interface that can be provided by a browser program and / or a communication program included in the client terminal 955 (or the customer terminal 955), and the user (generated or extracted) through the interface unit 925 It is preferable to provide an interface to the parental authority terminal 950 (or customer terminal 955).

According to another exemplary embodiment of the present invention, when the parental authority terminal 950 (or the customer terminal 955) includes a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 930 is the parental authority terminal. Generate (or extract) a predetermined user interface that can be provided to a browser program and / or a communication program included in the 950 (or the customer terminal 955), and generate (or extract) the interface through the interface unit 925. It is preferable to provide the user interface to the parental authority terminal 950 (or the customer terminal 955).

The information receiving unit 935 inputs (or selects) predetermined credit block request information through the user interface through the user interface in the parental authority terminal 950 (or the customer terminal 955), and transmits the information through the network means. The credit blocking request information is received in connection with the unit 925, and the received credit blocking request information is provided to the validity check unit 940.

According to the embodiment of the present invention, the credit blocking request information includes the parental authority information or the customer information (or minor information) according to the terminal transmitting the credit blocking request information.

Here, the parental authority information included in the credit blocking request information is information matching the parental authority information included in the parental authority consent information stored in the storage medium 150, and the personal authority of the parental authority (for example, name of the parental authority, resident registration number, address). , A phone number, an e-mail address, and the like, and at least one parent member member information (eg, member ID information).

The customer information (or minor information) included in the credit blocking request information is information matched with customer information (or minor information) stored in the storage medium 150, and customer personal information (for example, customer name, social security number, Address, telephone number, e-mail address, etc.) and customer member information (e.g., member ID information, etc.) are preferably included.

The validity checker 940 compares and authenticates the parental authority information included in the credit blocking request information and the parental authority information included in the parental authority consent information stored in the storage medium 150, and transmits the credit blocking request information. It is characterized in that whether the valid parental rights that can block the credit service for the customer (or minor).

Alternatively, the validity checker 940 compares and authenticates the customer information (or minor information) included in the credit blocking request information and the customer information (or minor information) stored in the storage medium 150, and blocks the credit. Characterized by confirming whether the parental authority that transmitted the request information is a valid customer (or minor) that can block the credit service to the customer (or minor).

Upon checking the validity of the credit blocking request information by the validity checking unit 940, the information storage unit 945 blocks the credit service to the customer (or minor) in response to the credit blocking request information. The credit limit amount information is changed and stored.

According to an exemplary embodiment of the present disclosure, the information storage unit 945 may delete credit limit amount information associated with the customer information (or minor information) in response to the credit blocking request information.

According to one embodiment of the invention, the information storage unit 945 initializes the credit limit amount information associated with the customer information (or minor information) to '0' in response to the credit blocking request information, and the credit It is preferable to deactivate the limit amount information.

FIG. 10 is a diagram illustrating a charging method of a credit terminal based credit amount for minors according to an embodiment of the present invention.

More specifically, Figure 10 confirms the credit amount for the customer (or minor) in the wireless terminal-based credit management system for minors shown in Figure 9, and the credit amount to the communication fee of the customer (or minor) As a process of charging and charging, if a person having ordinary knowledge in the technical field to which the present invention pertains, various implementations of the charging method of the wireless terminal-based credit amount for the minor by referring to and / or modifying the drawing 10. The method may be inferred, but the present invention comprises all the inferred implementation methods, and the technical features are not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 10, the credit management server 900 shown in FIG. 9 is referred to as a "server" for convenience.

Referring to FIG. 10, the server on the minor target wireless terminal-based credit operating system illustrated in FIG. 9 may provide a credit service for the wireless terminal link card (or wireless terminal) through a predetermined communication means. Check the credit amount provided to the customer (or minor) in connection with (1000).

According to another exemplary embodiment of the present invention, when a credit service for the wireless terminal linked card is provided by a card company that has issued the wireless terminal linked card, the server provides a credit service for the wireless terminal linked card through the communication means. In connection with a card company server (not shown) that provides a customer (or minor) it is possible to check the predetermined credit amount loaned to the card company requested by the card company, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the credit service for the wireless terminal linked card is provided by a financial institution in which a customer account associated with the wireless terminal linked card is opened, the server may communicate with the wireless terminal through the communication means. In connection with the financial company server 175 (not shown) that provides a credit service for a linked card, it is possible for the customer (or minor) to check the predetermined credit amount borrowed by requesting the financial company. This is not limited.

If the credit amount provided to the customer (or minor) is confirmed (1005), the server charges the customer (or minor) a predetermined communication fee through a predetermined communication means in connection with the billing server that charges the credit. An amount is charged to the communication fee of the customer (or a minor) (1010), and correspondingly, the billing server charges the customer a communication fee including the credit amount (1015).

According to one embodiment of the invention, the credit amount is preferably charged to the communication fee of the customer (or minor) in the form of an additional fee of the communication fee.

According to another exemplary embodiment of the present invention, the credit amount is preferably added to the communication fee of the customer (or minor) by adding a predetermined credit amount item to the communication fee.

FIG. 11 is a diagram illustrating a method of updating a credit limit amount based on a wireless terminal for a minor according to an embodiment of the present invention.

More specifically, FIG. 11 is a credit limit check that includes at least one or more monthly call charges, data communication charges, and communication charge delinquency information for the customer (or minor) in the wireless terminal-based credit operation system for minors shown in FIG. The process of checking the information and updating the minor wireless terminal-based credit limit amount based on the credit limit check information, and if the person of ordinary skill in the art to which the present invention pertains, refer to FIG. And / or may be modified to infer various implementation methods for updating the wireless terminal based credit limit amount for minors, but the present invention includes all the implementation methods inferred, as shown in FIG. The technical features are not limited only to the implemented method.

Hereinafter, in FIG. 11, the credit management server 900 shown in FIG. 9 is referred to as "server" for convenience.

Referring to FIG. 11, the server on the wireless terminal based credit management system for minors shown in FIG. 9 is a telecommunication company server 170 which provides a communication service for a wireless terminal used by the customer (or minor) through a predetermined communication means. Check credit limit information including at least one or more monthly call charges, data communication charges, and communication charge delinquency information for a predetermined period of time for the customer (or minor) (1100).

According to the embodiment of the present invention, the server is connected to the communication server server 170 that provides a communication service for the wireless terminal used by the customer (or minor) through a predetermined communication means for the customer (or minor) Confirm certain credit limit confirmation information including monthly call charges for a certain period of time, and / or include a monthly data communication fee for a period of time for the customer (or minor) in connection with the telecommunication company server 170. Confirming the credit limit confirmation information of and / or confirming predetermined credit limit confirmation information including communication fee delinquency information for a predetermined period of time for the customer (or minor) in connection with the communication company server 170. desirable.

If the credit limit confirmation information for the customer (or minor) is confirmed (1105), the server calculates new credit limit amount information for the customer from the credit limit confirmation information (1110).

According to an exemplary embodiment of the present invention, when the monthly call charge for the predetermined period included in the confirmed credit limit confirmation information is determined to be equal to or greater than a predetermined amount, the server receives predetermined credit limit amount information corresponding to the monthly call charge. Calculating and / or calculating predetermined credit limit amount information corresponding to the monthly data communication fee when the monthly data communication fee for a predetermined period included in the confirmed credit limit checking information is equal to or greater than the amount; And / or when there is no communication fee delinquency for a predetermined period included in the confirmed credit limit confirmation information during the period, it is preferable to calculate predetermined credit limit amount information corresponding to the communication fee delinquency information.

Thereafter, the server checks whether the credit limit amount information is different by comparing the credit limit amount information stored in the storage medium 150 by linking the calculated credit limit amount information with the customer information (or minor information). It is checked whether the credit limit amount information is updated (1115).

According to the exemplary embodiment of the present invention, when the calculated credit limit amount information and the credit limit amount information stored in the storage medium 150 are different, it is preferable that the credit limit amount information is updated.

If it is determined that the credit limit amount information is to be updated (1120), the server updates the calculated credit limit amount information to the credit limit amount information stored in the storage medium 150 (1125).

FIG. 12 is a diagram illustrating a method for limiting a credit terminal plating solution based on a minor according to an embodiment of the present invention.

In more detail, FIG. 12 illustrates the use of the mobile terminal-based credit limit for minors in a minor amount in connection with the parental terminal 950 of the customer (or minor) in the wireless terminal-based credit operating system for minors shown in FIG. 9. As to the process of limiting to the present invention, those skilled in the art to which the present invention pertains, various implementations of the method for limiting the wireless terminal-based credit limit amount for the minor by referring to and / or modified in this drawing 12 The method may be inferred, but the present invention includes all the inferred implementation methods, and the technical features are not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 12, the parental rights terminal 950 shown in FIG. 9 is referred to as a “terminal” for convenience, and the credit management server 900 is referred to as a “server” for convenience.

Referring to FIG. 12, a terminal on the minor target wireless terminal-based credit management system shown in FIG. 9 accesses the server through a predetermined network means, connects a communication channel, and the customer (or minor) through the communication channel. Request a limit on the credit limit amount for the credit limit (1200), and correspondingly, the server generates (or extracts) a user interface for limiting the credit limit amount for the customer (or minor) and transmits the user terminal through the communication channel. Provided by (1205).

Thereafter, the terminal receives (or selects) the credit limit restriction information through the user interface, and transmits the credit limit restriction information input (or selected) to the server through the communication channel (1210).

According to the method of the present invention, the credit limit restriction information includes the parental authority information and the credit limit restriction amount information.

Here, the parental authority information included in the credit limit information is information matching the parental authority information included in the parental authority consent information stored in the storage medium 150, and the personal authority of the parental authority (for example, name of the parental authority, social security number, address). , A phone number, an e-mail address, and the like, and at least one parent member member information (eg, member ID information).

The credit limit restriction amount information included in the credit limit restriction information is equal to or less than a certain amount of credit limit amount of the customer (or minor) regardless of at least one or more credit limit confirmation information confirmed from the communication company server 170. It is preferable to include the amount of money information to be limited.

Thereafter, the server receives and reads the credit limit restriction information from the terminal through the network means to confirm validity of the credit limit restriction (1215).

According to an exemplary embodiment of the present invention, the validity check on the credit limit restriction is performed by comparing and authenticating the parental authority information included in the credit limit restriction information and the parental authority information included in the parental authority consent information stored in the storage medium 150. It is preferable to include checking whether the parental authority that transmitted the credit limit information is a valid parental authority of the customer (or minor).

If the validity of the credit limit restriction is not authenticated (1220), the server generates predetermined credit limit error information and transmits it to the terminal through the communication channel (1225).

On the other hand, if the validity of the credit limit restriction is authenticated (1220), the server stores and stores the credit limit amount information of the customer (or minor) below the credit limit limit amount in response to the credit limit restriction information (1230). In operation 1235, predetermined credit limit restriction confirmation information is generated and transmitted to the terminal through the communication channel.

13 is a diagram illustrating a method of blocking a credit terminal based credit service for minors according to an embodiment of the present invention.

More specifically, FIG. 13 is connected to the parental terminal 950 of the customer (or minor) (or the customer terminal 955 of the customer (or minor)) in the wireless terminal-based credit management system for the minor shown in FIG. As a process for blocking the credit service for the customer (or minor), if the person having ordinary knowledge in the technical field to which the present invention belongs, reference to and / or modified this figure 13 based on the wireless terminal for the minor Various implementation methods for the method of blocking the credit service 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.

In FIG. 13, the parental rights terminal 950 (or the customer terminal 955) shown in FIG. 9 is referred to as a "terminal" for convenience, and the credit management server 900 is referred to as a "server" for convenience.

Referring to FIG. 13, a terminal on a minor target wireless terminal-based credit management system shown in FIG. 9 connects to a communication channel by connecting to the server through a predetermined network means, and connects a communication channel to the customer (or minor) through the communication channel. (1300), the server generates (or extracts) a user interface for limiting the credit limit amount for the customer (or a minor), and responds to the terminal through the communication channel. Provided by (1305).

Thereafter, the terminal receives (or selects) the credit blocking request information through the user interface and transmits the input (or selected) credit blocking request information to the server through the communication channel (1310).

According to the embodiment of the present invention, the credit blocking request information includes the parental authority information or the customer information (or minor information) according to the terminal transmitting the credit blocking request information.

Here, the parental authority information included in the credit blocking request information is information matching the parental authority information included in the parental authority consent information stored in the storage medium 150, and the personal authority of the parental authority (for example, name of the parental authority, resident registration number, address). , A phone number, an e-mail address, and the like, and at least one parent member member information (eg, member ID information).

The customer information (or minor information) included in the credit blocking request information is information matched with customer information (or minor information) stored in the storage medium 150, and customer personal information (for example, customer name, social security number, Address, telephone number, e-mail address, etc.) and customer member information (e.g., member ID information, etc.) are preferably included.

Thereafter, the server receives and reads the credit blocking request information from the terminal through the network means and checks the validity of blocking the credit service to the customer (or minor) (1315).

When the parental guardian information is included in the credit blocking request information according to an embodiment of the present invention, the server may include parental guardian information included in the credit blocking request information and parental guardian consent information stored in the storage medium 150. Comparing and authenticating parental authority information, it is preferable to check whether the parental authority that has transmitted the credit blocking request information is a valid parental authority capable of blocking the credit service to the customer (or minor).

According to another exemplary embodiment of the present invention, when the customer blocking information includes the customer information (or minor information), the server includes the customer information (or minor information) included in the credit blocking request information and the storage medium. Comparing and authenticating the customer information (or minor information) stored in the 150, and confirms that the parental authority that transmitted the credit blocking request information is a valid customer (or minor) who can block the credit service for the customer (or minor). It is desirable to.

If the validity of the credit service blocking is not authenticated (1320), the server generates predetermined credit blocking error information and transmits it to the terminal through the communication channel (1325).

On the other hand, if the validity of the credit service blocking is authenticated (1320), the server blocks the credit service providing to the customer (or minor) in response to the credit blocking request information (1330), and predetermined credit blocking confirmation information Generate and transmit to the terminal through the communication channel (1335).

According to an exemplary embodiment of the present invention, the server may delete credit limit amount information associated with the customer information (or minor information) in response to the credit blocking request information.

According to another exemplary embodiment of the present invention, the server initializes the credit limit amount information associated with the customer information (or minor information) to '0' in response to the credit blocking request information, and resets the credit limit amount information. It is desirable to deactivate it.

According to the present invention, there is an advantage of providing a credit service to a minor within a certain amount of money based on monthly call charges, data communication charges, and communication charge delinquency information for a certain period for a wireless terminal of a minor.

According to the present invention, there is an advantage of providing a predetermined credit service for a card linked to a wireless terminal of a minor within a certain limit amount based on monthly call charges, data communication charges, and communication charge delinquency information for a certain period of the minor. .

According to the present invention, when providing a credit service for a wireless terminal of a minor, by having the parent (or parent) of the minor to limit the credit limit amount, there is an advantage to limit the indiscriminate credit service of the minor.

Claims (4)

In a predetermined information storage means, predetermined information is obtained by linking customer information (or minor information), wireless terminal information of the customer (or minor), credit limit amount information for the customer (or minor), and parental consent information for the credit service. Storing in a storage medium of the; Confirming credit limit confirmation information including at least one or more monthly call charges, data communication charges, and communication charge delinquency information for a predetermined period of time for the customer (or minor) in a predetermined information checking means; Calculating a new credit limit amount corresponding to the credit limit confirmation information based on the parental consent information in a predetermined information calculating means; And And updating and storing the calculated new credit limit amount in the storage medium by a predetermined limit amount updating means. The method of claim 1, Confirming a credit amount for the customer (or minor) included in the credit limit amount in association with the storage medium (or storage medium operating means) in the information checking means; And Charging by charging the credit amount to the communication fee of the customer (or minor) in a predetermined billing processing unit; and a wireless terminal based credit service for minors. A recording medium comprising a program for executing the method of claim 1 or 2. Links predetermined customer information (or minor information), wireless terminal information of the customer (or minor), credit limit amount information for the customer (or minor), and parental consent information for the credit service to a predetermined storage medium. Information storage means for storing; Information confirmation means for confirming credit limit confirmation information including at least one or more of monthly call charges, data communication charges, and communication charge delinquency information for the customer (or minor); Information calculating means for calculating a new credit limit amount corresponding to the credit limit confirmation information based on the parental consent information; Limit amount updating means for updating and storing the calculated new credit limit amount in the storage medium; And And billing processing means for charging the credit amount to the communication fee of the customer (or minor) when checking the credit service for the customer (or minor) included in the credit limit amount. Wireless terminal-based credit service provision system for minors.

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