KR20090018760A

KR20090018760A - System and method for issuing check card and program recording medium

Info

Publication number: KR20090018760A
Application number: KR1020070083107A
Authority: KR
Inventors: 김태선
Original assignee: 주식회사 신한은행
Priority date: 2007-08-18
Filing date: 2007-08-18
Publication date: 2009-02-23

Abstract

The present invention relates to a method and a system for issuing a check card and a recording medium therefor, the method for issuing a check card according to the present invention comprises the steps of: receiving check card issuing application information transmitted from a card issuing terminal in a predetermined information receiving means; Checking whether the received check card issuance application information includes payment account information associated with the check card to be issued by a predetermined information checking means; and the check card to be issued at the received check card issuing application information. If the payment account information associated with is not included, the virtual account opening application information for opening a payment account to be linked with the check card to a predetermined virtual account using the financial company account as a mother account in a predetermined account opening application means. And responding to the generated virtual account opening application information in a predetermined virtual account opening means. In the W phase and the predetermined card issuing means for opening the virtual account to the financial institution account to parent account includes the step of processing the debit card issued to the said opening of the virtual account to a payment account.

Description

System and Method for Issuing Check Card and Program Recording Medium}

1 illustrates a configuration of a virtual account check card issuing system in which a real account of a bank is used as a parent account when issuing an affiliated check card offline according to an embodiment of the present invention.

2 is a diagram illustrating a card issuing system for issuing a virtual account check card using a real account of a bank as a parent account when issuing an affiliate check card offline according to an exemplary embodiment of the present invention.

3 is a diagram illustrating a card issuing process for issuing a virtual account check card using a real account of a bank as a parent account when issuing an affiliated check card offline according to an exemplary embodiment of the present invention.

4 is a diagram illustrating a check card issuing system for issuing a virtual account check card using a real account of a bank as a parent account when issuing an affiliated check card offline according to another embodiment of the present invention.

5 is a diagram illustrating a card issuing process for issuing a virtual account check card using a real account of a bank as a parent account when issuing an affiliate check card offline according to an exemplary embodiment of the present invention.

6 is a diagram illustrating a card issuing system for issuing a virtual account check card using a real account of a bank as a parent account when issuing an affiliated check card offline according to another exemplary embodiment of the present invention.

7 is a diagram illustrating a card issuing process for issuing a virtual account check card using a real account of a bank as a parent account when issuing an affiliated check card offline according to an exemplary embodiment of the present invention.

8 is a diagram illustrating a virtual account opening system for issuing a virtual account check card according to an exemplary embodiment of the present invention.

9 is a view showing the configuration of a virtual account ledger for issuing a virtual account check card according to an embodiment of the present invention.

10 is a diagram illustrating a virtual account opening process for issuing a virtual account check card according to an exemplary embodiment of the present invention.

200, 400, 600: card issuing server 260, 460: card issuing device

800: virtual account opening server

The present invention comprises the steps of receiving the check card issuing application information transmitted from the card issuing terminal in a predetermined information receiving means, and payment associated with the check card to be issued to the received check card issuing application information in a predetermined information checking means; Checking whether the account information is included; and if the received check card issuing information does not include payment account information associated with the check card to be issued, a predetermined account opening application means is associated with the check card. Generating virtual account opening application information for opening a payment account to be a predetermined virtual account having a financial account as a parent account; and in response to the virtual account opening application information generated by a predetermined virtual account opening means, Opening a virtual account serving as a mother account; and establishing the opened virtual account in a predetermined card issuing means. It relates to a check card issuing method comprising the step of processing the issue of a check card with a payment account as the account.

According to the current method of issuing a check card, a customer who wants to issue a check card must visit a counter in person and present a bank account in his / her name with personal information to receive a check card.

However, if a customer who wants to issue a check card does not have an account with a specific financial institution, the check card issuing method may visit a financial institution directly, open an account, and then visit a card issuer again. There is a discomfort to present.

In addition, even if the customer already has an account opened in his name, if there is no account information at the time of the check card issuance request, there was a need to open an account in the unnecessary name again.

An object of the present invention for solving the above problems is that when the application for issuing a check card issuance, a customer who applies for a check card is not the account opened by a check card payment financial company (bank, securities company, etc.) as a check card payment account, A virtual account opening means for opening a predetermined virtual account using the account of the check card settlement financial company (bank, securities company, etc.) as a payment account associated with the check card to be issued in response to the customer's application for issuing the check card; The present invention provides a check card issuing system including a card issuing means for processing issuance of a check card using the opened virtual account as a payment account.

The check card issuing method according to the present invention comprises the steps of: receiving check card issuing application information transmitted from a card issuing terminal in a predetermined information receiving means; and issuing the check card issuing application information received at a predetermined information checking means. Checking whether the payment account information associated with the check card is to be included; and if the received check card issuing request information does not include the payment account information associated with the check card to be issued, a predetermined account is opened. Generating virtual account opening application information for opening a payment account to be linked with the check card in a predetermined virtual account using a financial account as a parent account in the application means; and opening the generated virtual account in the predetermined virtual account opening means. In response to the application information, opening a virtual account using a financial account as the parent account and issuing a predetermined card In stage it is characterized in that comprises the step of processing the debit card issued to a payment account of the virtual account opened.

Check card issuing method according to the invention, the predetermined information storage means for linking the customer information, payment account information, check card information, check card limit information corresponding to the issued check card to store in a predetermined storage medium Characterized in that further comprises a step.

And a computer readable recording medium having recorded thereon a program for executing the above-mentioned check card issuing method.

On the other hand, the check card issuing system according to the present invention, when the application for issuing a check card, when the customer applying for a check card does not have an account opened by a check card payment financial company (bank, securities company, etc.) as a check card payment account And a virtual account opening means for opening a predetermined virtual account using the account of the check card payment financial company (bank, securities company, etc.) as a payment account associated with the check card to be issued according to the customer's check card issuance application information. And a card issuing means for processing the issuance of a check card using the opened virtual account as a payment account.

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, the preferred embodiment of the present invention to be carried out below is provided in each of the radio terminal functional configuration in order to efficiently describe the technical components constituting the present invention, or a radio commonly provided in the technical field to which the present invention belongs Terminal function configuration is omitted as possible, it will be described mainly for the functional configuration to be additionally provided for the present invention. If those skilled in the art to which the present invention pertains, it will be able to easily understand the function of the components that are conventionally used among the omitted functional configuration not shown below, and also the configuration omitted as described above The relationship between the elements and the components added for the present invention will also be clearly understood.

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

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

Figure 1 illustrates the configuration of a virtual account check card issuing system that uses a real account of a bank as a parent account when issuing an affiliated check card offline according to an embodiment of the present invention.

In more detail, Figure 1 is a virtual account that uses the customer's customer information as the parent account (or the real account of the card company) to the customer who fails to present the account information when the affiliated check card is issued offline. To establish a virtual account check card issuing (operation) issuing a virtual account check card by setting the virtual account as a payment account, if you have a general knowledge in the technical field to which the present invention belongs, Referring to or modifying the virtual account check card issuing system configuration shown in FIG. 1, when issuing an affiliated check card on the offline, a virtual account for issuing a virtual account check card using a real account of a bank (or a real account of a card company) as a parent account Various implementation methods for the configuration of the account check card issuing system may be inferred, but the present invention may be inferred from all the inferences. It characterized by comprising a method and is not limited to the virtual account check card issuance system configuration shown in the figure 1.

Referring to FIG. 1 according to an embodiment of the present invention, the virtual account check card issuing system includes: a card issuing server (or virtual account opening means) 200 for receiving predetermined customer information and issuing a virtual account check card. 400, 600), a virtual account opening server for opening a virtual account using customer information of a customer who has not opened a virtual account in the virtual account check card issuing process, and the card issuing server (200, 400, 600) A credit rating server that provides credit rating information for the process of issuing the virtual account check card, and a ledger for storing the virtual account information when the virtual account opening server opens a virtual account for issuing the virtual account check card. At least one D / B, a card issuing device for issuing the virtual account check card to the customer, and a financial system for providing the parent account of the virtual account. Characterized in that it comprises a phase.

The card issuing server (200, 400, 600), when a predetermined customer is issued a partnership check card on a predetermined offline to a virtual account card issuing system through a predetermined card issuing interface, the actual account of the bank (or real account of the card company) When providing customer information for issuing a virtual account check card as a parent account, the virtual account card issuing system provides an integrated circuit (IC) card or an MS (Magnetic Stripe) card or the like to the customer based on the provided customer information. Issuing a virtual account check card in the form of an IC (Integrated Circuit) card or a virtual account card applet (or IC chip storage information), the card issuance system including the card issuing server (200, 400, 600) Preferred embodiments of the present invention will be described in detail with reference to FIG.

The virtual account opening server (or virtual account opening means) 800 requests that the card issuing server 200, 400, or 600 transmit customer information through a network means to open a virtual account for issuing a virtual account check card. In the virtual account opening system according to the present invention, a virtual account having a bank account opened in the name of a predetermined financial institution (for example, a bank) as a parent account is included, and the virtual account opening server 800 is included. A preferred implementation method for the virtual account opening system to be described in detail with reference to FIG.

The credit rating server, in connection with the card issuance server (200, 400, 600), checks the customer information transmitted from the card issuance server (200, 400, 600), and the credit information corresponding to the customer information By providing to the card issuing server (200, 400, 600), the card issuing server (200, 400, 600) is characterized in that it is possible to determine whether the issuance of the virtual account check card for the customer information is valid. .

The financial system stores and operates ledger information corresponding to the virtual account generated by the virtual account opening server 800, that is, a bank account that is a parent account, and is generated in at least one branch (or window). An accounting system that handles window services such as credit or receiving or trust or foreign exchange; an information system that processes headquarters operations, branch office information support and customer information management; and the financial system and at least one other financial system (or payment system) Interconnection, or access to the financial system from at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based wireless banking, tele banking, TV banking, etc.) provided on at least one external communication network. , Or various financial transactions through at least one common network (eg CD common network, financial common network) And an external system that provides an interface, and the financial system includes an interface module corresponding to a middleware platform that provides interfacing between components in the financial system, and components in the financial system. Is provided with a DBMS (DataBase Management System) including at least one or more databases for storing and managing predetermined information (eg, ledger information, customer information, or management information, etc.) required for each function. It is characterized by.

In FIG. 1, the virtual account check card issuing system is illustrated and described as a card issuing server, a virtual account opening server 800, a credit rating server, and a financial system, but the present invention is not limited thereto. The virtual account check card issuing system may be composed of one server (or device) or at least two or more servers (or devices). Clearly, it can be implemented as a separate server for each component.

2 is a diagram illustrating a card issuing system for issuing a virtual account check card using a real account of a bank as a parent account when issuing an affiliated check card offline according to an exemplary embodiment of the present invention.

In more detail, Figure 2 shows a virtual account of a bank account (or a real account of a card company) as a parent account when a predetermined customer issues an affiliated check card with a check card issuing system through a predetermined card issuing interface. When providing customer information for issuing a check card, the system for issuing a virtual account check card in the form of an IC (Integrated Circuit) card to the customer based on the provided customer information in the check card issuing system, the present invention For those skilled in the art, a virtual account check card that uses a real account of a bank (or a real account of a card company) as a parent account when issuing an affiliated check card by referring to or modifying the drawing of FIG. Various implementation methods for the card issuance system configuration for issuance can be inferred, but the present invention Includes all exemplary method inferred group, it shall not be limited to the exemplary method shown in the figure 2.

Hereinafter, at least one means or function configuration for issuing a predetermined virtual account check card to the customer based on the customer information provided from the customer through a predetermined card issuing interface on the card issuing system shown in FIG. The corresponding component is called "card issuing server (or card issuing means) 200" for convenience.

Referring to FIG. 2 according to an embodiment of the present invention, a card issuing system for issuing a virtual account check card using a real account of a bank (or a real account of a card company) when issuing an affiliated check card on the offline, And a staff terminal used by a card issuing staff provided in at least one card issuing institution (or financial institution), wherein the staff terminal is provided on the check card issuing system through a predetermined network means. The card issuing server 200 and a communication channel are connected.

According to an exemplary embodiment of the present invention, the customer visits the card issuing institution (or financial institution) for issuing a virtual account check card using a real account of a bank (or a real account of a card company) as a parent account. Issuance of a virtual account check card using the bank's real account (or the card company's real account) when issuing an affiliated check card offline at the counter (or through the card issuing staff) provided at an institution (or financial institution). For issuing at least one or more information items for issuing a virtual account check card using a bank account's real account (or a card company's real account) when issuing an affiliated check card on the offline; A document with a form) (or the card issuer visits the customer and asks the customer to When issuing an affiliated check card on the bank, please fill out the prescribed card issuance application for issuing a virtual account check card that uses the bank's real account (or the card company's real account) as the parent account. The card issuing officer inputs (or selects) the information entered in the card issuance application through a predetermined employee terminal, and the employee terminal issues a check card with the input (or selected) information. Switching to the application information is preferably transmitted to the card issuing server 200 provided on the check card issuing system through the network means.

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 200 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 200 is It is preferable to include a communication network connecting the communication channel between the employee terminal and the card issuing server 200.

In the check card issuing system as described above, the card issuance application and the card issuance application information based on the card issuance application that the customer writes, the employee terminal used by the card issuing staff and the employee terminal and the card issuance The financial network connecting the server 200 registers predetermined customer information for issuing a virtual account check card using a real account of a bank (or a real account of a card company) when the customer issues an affiliate check card on the offline. It performs the function of card issuing interface.

The storage medium 255 provided on the check card issuing system according to the present invention has a predetermined virtual account check card to the customer based on the customer information included in the check card issuing application information provided from the card issuing terminal. After issuing, characterized in that for storing the customer information, payment account information, check card information, check card limit information according to the virtual account check card issuance, the customer information stored in the storage medium 255, payment account The information, the check card information, and the check card limit information are used for issuing a virtual account check card using a real account of a bank (or a real account of a card company) when issuing an affiliated check card offline on the check card issuing system.

According to one embodiment of the invention, the storage medium 255 is preferably provided in a DBMS on a predetermined financial system provided on the check card issuing system (or associated with the check card issuing system). At this time, the storage medium 255 may be a ledger D / B provided in the DBMS on the financial system, or a predetermined database associated with the ledger D / B, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 255 performs a predetermined information processing function using the customer information, payment account information, check card information, and check card limit information on the check card issuing system. It is preferable to be provided in a predetermined DBMS interoperating with the server (or device), wherein the location where the storage medium 255 is provided may be variously implemented according to the intention of those skilled in the art, thereby limiting the present invention. Not.

The card issuing server 200 provided on the check card issuing system according to the present invention is a generic term for the check card issuing system side component connected to the card issuing terminal and a predetermined network means, and includes at least one server ( Or an apparatus) or at least one or more programs recorded on a recording medium provided in a predetermined server (or apparatus), and the present invention is not limited thereto.

According to the embodiment of the present invention, the card issuing server 200 is provided with an interface unit 205 (or interface means) for providing a predetermined card issuing interface to the card issuing terminal through the network means. It is done.

According to an embodiment of the present invention, when the card issuing terminal is an employee terminal connected to a predetermined financial network, the interface unit 205 communicates with the employee terminal based on a protocol stack defined in the financial network. It is preferable to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in the card issuance application program provided in the employee terminal.

Referring to FIG. 2, the card issuing server 200 is connected to the card issuing server 200 through the interface unit 205 when a predetermined card issuing terminal 200 is interlocked with the interface unit 205 for the card. Interface providing unit 210 for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting the check card issuing application information including predetermined customer information to the card issuing terminal. (Or an interface providing means) and the check card issuing application information including the customer information inputted (or selected) and transmitted from the card issuing terminal through the user interface in cooperation with the interface unit 205. Issuing the virtual account check card to the customer based on the information receiving unit 215 (or information receiving means) and the received customer information Validation unit 220 (or validity authentication means) for checking the validity of the thing, in conjunction with the virtual account opening server 800 and the financial system, the validation unit 220 (or validity authentication means), In connection with the virtual account opening server 800 and the financial system, the virtual account confirmation unit 230 for reading the virtual account information corresponding to the customer information authenticated by the validity confirmation unit 220, and the validity confirmation unit If the customer information checked in 220 does not hold the virtual account information corresponding to the customer information, information transmission for transmitting the customer information to the virtual account opening server for generating a virtual account corresponding to the customer information. And generating (or extracting) predetermined customer information, expiration date information, and card issuer information corresponding to the virtual account check card to be issued to the customer based on the received customer information. An information generating unit 235 (or information generating means), a payment account processing unit 240 for processing virtual account information corresponding to the customer information as payment account information of the virtual account check card, and a predetermined card issuing device ( A card issuing unit 245 (card issuing means) for issuing a predetermined virtual account check card including the customer information, the expiration date information, and the card issuing agency information through 260, and a virtual account check card issued to the customer. And an information storage unit 250 (or information storage means) for storing customer information, payment account information, check card information, and check card limit information corresponding to the storage medium 255.

The interface providing unit 210 inputs the customer information in response to a functional configuration provided in the card issuing terminal when a predetermined card issuing terminal is connected to the card issuing server 200 through the interface unit 205. (Or select) to generate a predetermined user interface that can be transmitted to the card issuing server 200 through the network means, or to extract from a predetermined database (not shown), and in conjunction with the interface unit 205 And providing the generated (or extracted) user interface to the card issuing terminal through the network means.

Thereafter, the card issuing terminal inputs (or selects) the customer information based on the user interface, and transmits the input (or selected) customer information to the card issuing server 200 through the network means.

According to an embodiment of the present invention, when the card issuing terminal is an employee terminal connected to a predetermined financial network, the interface providing unit 210 may provide a predetermined user interface that can be provided by a card issuing application program included in the employee terminal. It is preferable to generate (or extract) and provide the generated (or extracted) user interface to the employee terminal through the interface unit 205.

The information receiving unit 215 inputs (or selects) predetermined customer information through the user interface at the card issuing terminal and transmits the information through the network means, and includes the customer information in association with the interface unit 205. Characterized in that it receives the check card issuing application information, and provides the customer information included in the received check card issuing application information to the validity verification unit 220 or information generation unit 235.

According to an embodiment of the present invention, the customer information includes personal information of the card issuing customer (for example, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.), and the customer issuing the card. It is preferable to include at least one member information (for example, member ID information) subscribed to the server 200.

The validity verification unit 220 is characterized in that the validity of issuing the virtual account check card to the customer based on the customer information included in the received customer information.

According to an embodiment of the present invention, the validity check for issuing the virtual account check card to the customer is based on a predetermined real name verification server through a predetermined communication means based on the customer name and social security number included in the customer information ( It is preferable to include confirming the real name of the customer in conjunction with (not shown).

In addition, if the virtual account check card comprises a credit card, the validity check for issuing the virtual account check card to the customer, based on the customer information predetermined credit rating server through a predetermined communication means Preferably in conjunction with verifying the credit information of the customer.

In addition, the validity check for issuing the virtual account check card is based on the customer information, the virtual company of the customer in connection with the financial company server opened a virtual account of the customer associated with the check card through a predetermined communication means It is desirable to include opening an account and checking whether it is operating normally.

When there is no virtual account information corresponding to the customer information confirmed by the validity confirming unit 220, the virtual account checking unit 230 receives the customer information received by the information receiving unit 215 through the communication network Characterized in that the transmission to the virtual account opening server.

For example, the virtual account opening server 800 confirming the customer information transmitted by the information transmitting unit 225 generates an artificially assigned virtual account based on the customer information, thereby creating a virtual account check card of the customer. Characterized in that it provides the basic information to create a payment account that can pay the amount used.

The virtual account confirmation unit 230 confirms the virtual account information opened by the virtual account opening server 800 based on the customer information, and the virtual account information from the financial system associated with the virtual account opening server. It is characterized by reading.

For example, the virtual account checking unit 230 is connected to the virtual account opening server 800, the virtual account opening server reads the virtual account information created and opened by using a bank account as a parent account, the card Issuing server 200 is characterized in that for generating a payment account that can pay the amount of use of the virtual account check card of the customer.

The information generator 235 generates predetermined customer information, expiration date information, and card issuer information to be provided in the virtual account check card to the customer based on the customer information received through the information receiver 215. (Or extract), wherein the customer information, expiration date information, and card issuer information include a card number (eg, 16-digit card number) and expiration date information (some may be omitted) corresponding to the virtual account check card. And at least one card issuer information (or code).

For example, the card number information (although some exceptions exist) preferably includes a 4-digit card issuer number, a 2-digit card type number, a 9-digit serial number, and a check digit.

Preferably, the validity period information includes a period (or an expiration date and time) in which the virtual account check card can be used, and may be omitted when the valid period does not exist in the virtual account check card. This is not limited.

The card issuer information (or code) preferably includes at least one or more unique numbers (or unique codes) assigned to the card issuer (or financial company) that issues the virtual account check card to the customer.

The check card limit information includes information on a limit amount that can be paid by the virtual account check card, the card number information generated by the information generating unit 235, the effective institution information, and the card issuer information. It is stored in the storage medium 255 separately from the check card information including at least one.

For example, according to the embodiment of the present invention, the virtual account check card limit recorded in the check card limit information may be limited to a maximum of 500,000 won.

In addition, the check card limit information may be included in the check card information and stored in the storage medium 255 according to the intention of a person skilled in the art, but is not limited thereto.

The payment account processor 240 reads the virtual account information corresponding to the customer information that the virtual account opening server 800 applied for the virtual account check card in association with the virtual account opening server and the financial system, The read virtual account information is characterized in that the designation as the payment account information corresponding to the virtual account check card.

Check card information, check card limit information, and payment, including at least one of predetermined card number information, expiration date information, and card issuing agency information provided in the virtual account check card by the information generating unit 235; When the payment account information is generated from the account processor 240, the card issuing unit 245 checks at least one of the customer information, the expiration date information, and the card issuer information through a predetermined card issuing device 260. Produce a virtual account check card including card information and check card limit information (or virtual account check card and check card information including at least one of the customer information, expiration date information, and card issuer information in the virtual account check card). And check card limit information), wherein the virtual account check card is provided (or delivered) to the customer.

Here, the card issuing device 260 comprises a device for recording the customer information, expiration date information, card issuing organization information in the memory provided on the IC chip of the virtual account check card, wherein the information generation The unit 235 generates (or extracts) the customer information, expiration date information, and card issuer information in a file structure operable through a COS (Chip Operating System) provided in the IC chip, and the card issuing unit 245 ) Records the customer information, expiration date information, and card issuing agency information in the memory of the IC chip through the card issuing device 260 to issue a predetermined virtual account check card to be issued to the customer.

The virtual account check card produced as described above is provided to the customer or delivered to the customer according to a predetermined card providing procedure, after which the customer checks the virtual account check card through the check card issuing system according to the present invention. Will be used.

Thereafter, the information storage unit 250 includes at least one of customer information included in the customer information received from the customer through the information receiving unit 215, the generated customer information, expiration date information, and card issuer information. Characterized by the customer information, payment account information, check card information, the check card limit information characterized in that the storage medium 255 is stored.

Here, the customer information included in the customer information, payment account information, check card information, check card limit information is the personal information of the card issuing customer (for example, customer name, resident registration number, address, wireless terminal information (or mobile number)) , E-mail address, etc.) and at least one member information (eg, member ID information) that the customer has subscribed to the card issuing server 200.

3 is a diagram illustrating a card issuing process for issuing a virtual account check card using a real account of a bank as a parent account when issuing an affiliated check card offline according to an embodiment of the present invention.

In more detail, in FIG. 3, in the card issuing system shown in FIG. 2, 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 issuance officer submits to the card issuing staff, the card issuing staff enters (or selects) the customer information corresponding to the card issuance application through a predetermined card issuing terminal, and transmits it to the card issuing server 200. Checking a virtual account for issuing a virtual account check card using a real account of a bank (or a real account of a card company) when issuing an affiliated check card on the offline to the customer based on the customer information in the card issuing server 200. As a process of issuing a card, a person of ordinary skill in the art to which the present invention pertains may By referring to or modifying 3, it is inferred that various implementation methods for issuing the virtual account check card for issuing the virtual account check card using the real account of the bank (or the real account of the card company) as the parent account when the affiliated check card is issued offline. It should be noted that the present invention encompasses all the inferred implementation methods and is not limited to the implementation method shown in FIG.

For example, in FIG. 3, the virtual account check card is produced and provided (or delivered) to the customer, and the customer information, payment account information, check card information, and check card limit information are stored in the storage medium 255. FIG. Although described as shown, the process of storing the predetermined customer information, payment account information, check card information, check card limit information in the storage medium 255 according to the intention of those skilled in the art before producing the virtual account check card Or, it may be performed after the virtual account check card is made before being provided (or shipped) to the customer, whereby the present invention is not limited.

Hereinafter, in FIG. 3, the card issuing terminal shown in FIG. 2 is referred to as "terminal" for convenience, and the card issuing server 200 is referred to as "server" for convenience.

Referring to FIG. 3, when the affiliated check card is issued offline, the virtual account check card for issuing a virtual account check card having a real account of a bank (or a real account of a card company) (or a real account of a card company) as a parent account. When the customer issues a predetermined card issuance application (e.g., when issuing an affiliated check card on the offline) through a face-to-face card issuance interface (e.g., the card issuance application, employee terminal and network means), Or a document having a form for filling in at least one information item for issuing a virtual account check card with the parent account of the card company) and submitting it to the card issuing staff. The terminal corresponds to a card issuance application prepared by the customer through a predetermined user interface. The customer information is input (or selected) (300), and the customer information is transmitted to the server through the network means (305).

Thereafter, the server receives and reads the customer information from the terminal through the network means, and when the affiliated check card is issued to the customer on the offline based on the customer information included in the customer information, a real account of the bank (or It is to verify whether the virtual account is opened and the validity of the customer information for issuing a virtual account check card with the parent account of the card company as the parent account.

In addition, when the virtual account check card comprises a check card, the validity check for issuing the virtual account check card to the customer, based on the customer information and the check card through a predetermined communication means It is preferable that the virtual account of the linked customer is made in connection with the established financial company server, including checking whether the customer's opening and normal operation of the virtual account.

If the server fails to check the virtual account corresponding to the customer information (315), the server transmits the customer information received from the terminal to the virtual account opening server (320), the server is the terminal Along with the validity authentication for the customer information received from the, the process of checking whether the virtual account corresponding to the customer information is opened (310) is repeated.

On the other hand, if the server checks the virtual account corresponding to the customer information (315), the server checks the validity of the customer information received from the terminal (325), if the virtual information to the customer through the customer information If the validity to issue an account check card is not authenticated (325), the server provides card issuance error information to the customer through the card issuing interface (330), and issues the virtual account check card to the customer. Stop doing it.

On the other hand, if the validity to issue the virtual account check card to the customer through the customer information is authenticated (325), the server is a predetermined customer corresponding to the virtual account check card to issue to the customer based on the customer information Check card information including information, expiration date information, card issuing agency information, and check card limit information is generated (or extracted) (335). And at least one card number (eg, 16-digit card number) corresponding to the account check card, expiration date information (some may be omitted), and card issuer information (or code).

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

Here, the generated customer information, expiration date information, and card issuer information include a file structure operable through a chip operating system (COS) provided in the IC chip.

Thereafter, the server generates a predetermined virtual account check card having the check card information including the customer information, the expiration date information, the card issuing agency information, and the check card limit information through a predetermined card issuing device 260. To provide (or deliver) the customer (340).

Here, the card issuing device 260 records the check card information including the customer information, the expiration date information, the card issuing agency information, and the check card limit information in a memory provided in the IC chip of the virtual account check card. It is preferable to include an apparatus.

Thereafter, the server includes at least one of customer information included in the customer information provided from the customer, the generated check card information, and check card limit information through the card issuing interface. The card information and the check card limit information are stored in the storage medium 255 (345).

4 is a diagram illustrating a check card issuing system for issuing a virtual account check card using a real account of a bank (or a real account of a card company) when issuing an affiliated check card offline according to another embodiment of the present invention. to be.

In more detail, Figure 4 shows that when a predetermined customer issues an affiliated check card with a check card issuing system through a predetermined card issuing interface, the customer cannot present account information to be used as a payment account of the check card. When a predetermined customer information is provided for issuing a virtual account check card using a real account of a bank (or a real account of a card company) as the parent account, the check card issuing system is connected to a financial system based on the customer information provided above. After generating a virtual account corresponding to the customer information, and set the generated virtual account as the payment account of the customer, based on this to the customer in the form of a predetermined MS (Magnetic Stripe) card or IC (Integrated Circuit) card As a system configuration for issuing a virtual account check card, general knowledge in the technical field to which the present invention pertains. If the pendulum is to refer to or modify this figure 4 when issuing an affiliated check card on the offline, a check card issuing system for issuing a virtual account check card issuing a virtual account (or real account of the bank) as the parent account Various implementation methods may be inferred, but the present invention includes all implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

Hereinafter, at least one means or functional configuration for issuing a predetermined virtual account check card to the customer based on the customer information provided from the customer through a predetermined card issuing interface on the check card issuing system shown in FIG. Components corresponding to the above are referred to as "card issuing server 400" for convenience.

Referring to FIG. 4 according to an embodiment of the present invention, when issuing an affiliated check card on the offline, a check card issuing system for issuing a virtual account check card using a real account of a bank (or a real account of a card company) as a parent account And an employee terminal used by a card issuing employee provided in at least one card issuing institution (or financial institution), wherein the employee terminal is provided on the check card issuing system through a predetermined communication network. The card issuing server 400 and the communication channel is connected.

According to an exemplary embodiment of the present invention, the customer visits the card issuing institution (or financial institution) to issue a virtual account check card using the real account of the bank (or the real account of the card company) as the parent account. When issuing an affiliated check card offline at the counter (or through a card issuing staff) provided at a bank (or financial institution), a virtual account check card issuance is issued using the bank's real account (or the card company's real account) as the parent account. A form for filling in at least one information item for issuing a virtual account check card for which a predetermined account issuance application (for example, when the affiliated check card is issued offline, a real account of a bank (or a real account of a card company)) is used as a parent account. The document) (or the card issuing staff visits the customer and allows the customer to When issuing an affiliated check card on the bank, please fill out the prescribed card issuance application for issuing a virtual account check card that uses the bank's real account (or the card company's real account) as the parent account. The card issuing clerk enters (or selects) the information entered in the card issuing application through a predetermined employee terminal, and the employee terminal transmits the input (or selected) information through the network means. It is preferable to transmit to the card issuing server 400 provided on the check card issuing system.

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 400 connected to the employee terminal is the card issuing 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 400 is It is preferable to include a communication network connecting the communication channel between the employee terminal and the card issuing server 400.

In the check card issuing system as described above, the card issuance application written by the customer, the employee terminal used by the card issuing staff and the financial network connecting the employee terminal and the card issuing server 400 is the customer When issuing an affiliate check card on the offline, it performs a function of a card issuing interface for registering customer information for issuing a virtual account check card using a real account of a bank (or a real account of a card company) as a parent account.

The storage medium 455 provided on the check card issuing system according to the present invention issues a predetermined virtual account check card to the customer based on the customer information provided from the card issuing terminal, and then checks the virtual account. And customer information, payment account information, check card information, and check card limit information according to card issuance, wherein the customer information, payment account information, and check card stored in the storage medium 455 are stored. The information and the check card limit information are used for issuing a virtual account check card using a real account of a bank (or a real account of a card company) when issuing an affiliated check card in the offline state on a check card issuing system.

According to one embodiment of the invention, the storage medium 455 is preferably provided in a DBMS on a predetermined financial system provided on the check card issuing system (or associated with the check card issuing system). When the storage medium 455 is a ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, thereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 455 processes predetermined information by using the customer information, payment account information, check card information, and check card limit information on the check card issuing system. It is preferable to be provided in a predetermined DBMS interoperating with a server (or device) that performs a function. In this case, the location where the storage medium 455 is provided may be variously performed according to the intention of those skilled in the art. The invention is not limited.

The card issuing server 400 provided on the check card issuing system according to the present invention is a generic term for the check card issuing system side component connected to the card issuing terminal through a predetermined communication network, and includes at least one server (or Device) or at least one program recorded on a recording medium provided in a predetermined server (or device), and the present invention is not limited thereto.

According to the embodiment of the present invention, the card issuing server 400 is provided with an interface unit 405 (or interface means) for providing a predetermined card issuing interface to the card issuing terminal through the communication network. do.

According to an embodiment of the present invention, when the card issuing terminal is an employee terminal connected to a predetermined financial network, the interface unit 405 communicates with the employee terminal based on a protocol stack defined in the financial network. It is preferable to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in the card issuance application program provided in the employee terminal.

Referring to FIG. 4, when the card issuing terminal 400 is connected to the card issuing server 400 through the interface unit 405, the card issuing server 400 works in conjunction with the interface unit 405. An interface providing unit 410 (or interface providing means) for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined customer information from the issuing terminal to the card issuing terminal; An information receiving unit 415 (or information receiving means) for receiving predetermined customer information input (or selected) and transmitted from the card issuing terminal through the user interface in association with the interface unit 405 and the received customer; A validity authentication unit 420 (or validity authentication means) for confirming validity of issuing the virtual account check card to the customer based on the information; The virtual account checking unit 430 for checking and reading the virtual account information corresponding to the customer information authenticated by the validity authentication unit 420 in association with the account opening server 800 and the financial system, and the validity authentication Information for transmitting the customer information to the virtual account opening server to create a virtual account corresponding to the customer information, if the customer information confirmed in the unit 420 does not have the virtual account information corresponding to the customer information. Check card information including at least one of the transmission unit 425, predetermined card number information, expiration date information, card issuer information corresponding to the virtual account check card to be issued to the customer based on the received customer information Information generating unit 435 (or information generating means) for generating (or extracting) and virtual account information corresponding to the customer information as payment account information of the virtual account check card. Receiving check account information consisting of at least one or more of the card number information, expiration date information, card issuer information through the payment account processor 440 and a predetermined card issuing device 460 corresponding to the customer information A card issuing unit 445 (card issuing means) for issuing a predetermined virtual account check card, customer information corresponding to the virtual account check card issued to the customer, payment account information, check card information, and check card And an information storage unit 450 (or information storage means) for storing the limit information in the storage medium 455.

The interface providing unit 410 inputs the customer information in response to a functional configuration provided in the card issuing terminal when a predetermined card issuing terminal is connected to the card issuing server 400 through the interface unit 405. (Or select) to generate a predetermined user interface that can be transmitted to the card issuing server 400 through the communication network, or to extract from a predetermined database (not shown), and in conjunction with the interface unit 405 And providing the generated (or extracted) user interface to the card issuing terminal through the communication network.

Thereafter, the card issuing terminal inputs (or selects) the customer information based on the user interface, and transmits the input (or selected) customer information to the card issuing server 400 through the communication network.

According to an embodiment of the present invention, when the card issuing terminal is an employee terminal connected to a predetermined financial network, the interface providing unit 410 is a predetermined user interface that can be provided by a card issuing application program provided in the employee terminal. It is preferable to generate (or extract) and provide the generated (or extracted) user interface to the employee terminal through the interface unit 405.

The information receiving unit 415 receives the customer information in cooperation with the interface unit 405 when the card issuing terminal inputs (or selects) predetermined customer information through the user interface and transmits it through the communication network. The received customer information is provided to the validity authentication unit 420 or the information generating unit 435.

According to an embodiment of the present invention, the customer information includes personal information of the card issuing customer (for example, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.), and the customer issuing the card. It is preferable to include at least one member information (for example, member ID information) subscribed to the server 400.

The validity authentication unit 420 checks the validity of issuing the virtual account check card to the customer based on the customer information included in the received customer information.

In addition, the validity check for issuing the virtual account check card, the customer in connection with the financial company server opened the virtual account of the customer associated with the virtual account check card through a predetermined communication means based on the customer information It is preferable to include the establishment of a virtual account of the operation and checking whether or not normal operation.

When there is no virtual account information corresponding to the customer information checked by the validity confirming unit 220, the information transmitting unit 425 receives the information received by the information receiving unit 415. The customer information is transmitted to the virtual account opening server through the communication network.

For example, the virtual account opening server 800 confirming the customer information transmitted by the information transmitting unit 425 generates a virtual account artificially assigned based on the customer information, and thus the virtual account check card of the customer. Characterized in that it provides the basic information to create a payment account that can pay the amount used.

The virtual account confirmation unit 430, the virtual account establishment server 800 confirms the virtual account information opened based on the customer information, and the virtual account information from the financial system associated with the virtual account establishment server It is characterized by reading.

For example, the virtual account checking unit 430 connects to the virtual account opening server 800, and reads the virtual account information generated and opened by the virtual account opening server using the bank account as the parent account. Issuing server 400 is characterized in that for generating a payment account that can pay the amount of use of the customer's virtual account check card.

The information generation unit 435 provides the customer with predetermined card number information, expiration date information, and card issuer information to be provided in the virtual account check card based on the customer information received through the information receiving unit 415. And generating (or extracting) at least one check card information and at least one check card limit information, wherein the card number information, expiration date information, card issuer information, and check card limit information are checked in the virtual account. And at least one card number (eg, 16-digit card number) corresponding to the card, expiration date information (some may be omitted), and card issuer information (or code).

The check card limit information includes information on a limit amount that can be paid by the virtual account check card, the card number information generated by the information generating unit 435, the effective institution information, and the card issuer information. It is characterized in that it is stored in the storage medium 455 separately from the check card information containing at least one or more.

In addition, the check card limit information may be included in the check card information and stored in the storage medium 455 according to the intention of a person skilled in the art, but is not limited thereto.

The payment account processor 440 reads the virtual account information corresponding to the customer information that the virtual account opening server 800 applied for the virtual account check card in association with the virtual account opening server and the financial system, The read virtual account information is characterized in that the designation as the payment account information corresponding to the virtual account check card.

Check card information, check card limit information, and payment, including at least one of predetermined card number information, expiration date information, and card issuing agency information provided in the virtual account check card by the information generating unit 435; When the payment account information is generated from the account processing unit 440, the card issuing unit 445 includes at least one of the card number information, expiration date information, card issuer information through a predetermined card issuing device 460 Produce a virtual account check card including check card information and check card limit information (or check card information and check card limit including the card number information, expiration date information and card issuer information in the virtual account check card). Information), and the virtual account check card is provided (or shipped) to the customer.

If the virtual account check card is an MS (Magnetic Stripe) card, the card issuing device 460 is assigned to at least one or more MS tracks (eg, track I, track II, track III) included in the virtual account check card. Check card information including at least one or more card number information, expiration date information, card issuing agency information, and the device for recording the check card limit information, wherein the information generation unit 435 and the payment account processing unit 440 generates (or extracts) check card information including at least one of card number information, expiration date information, and card issuer information, and check card limit information as a data structure recordable in at least one or more MS tracks; The card issuing unit 445 includes at least one check card information including at least one card number information, expiration date information, card issuing organization information through the card issuing device 460, By recording the size card limit information on at least one track, MS, and issues a predetermined virtual account debit card to be issued to the customer.

Or, if the virtual account check card is an IC (Integrated Circuit) card, the card issuing device 460 is the card number information, expiration date information, card issuing organization information in the memory provided on the IC chip of the virtual account check card It comprises a check card information and at least one device for recording the check card limit information, wherein the information generation unit 435 is operated through a chip operating system (COS) provided in the IC chip The card issuer 445 generates (or extracts) check card information including at least one of the card number information, the expiration date information, and the card issuer information, and the check card limit information in a possible file structure. Check card information including at least one of the card number information, the expiration date information, and the card issuing agency information through the issuing device 460, and the check card limit information is stored in the memory of the IC chip. By recording and issuing a predetermined virtual account debit cards to be issued to the customer.

The virtual account check card produced as described above is provided to the customer or delivered to the customer according to a predetermined card providing procedure, after which the customer checks the virtual account through a check card issuing system according to the present invention. The card is used.

Thereafter, the information storage unit 450 includes at least one of customer information included in the customer information received from the customer through the information receiving unit 415, the generated card number information, expiration date information, and card issuer information. The check card information, the customer information, the payment account information, and the check card limit information included above are stored in the storage medium 455.

Here, the customer information included in the customer information, payment account information, check card information, and check card limit information may include personal information of the card issuing customer (for example, customer name, social security number, address, wireless terminal information (or Mobile phone number, e-mail address, etc.) and at least one member information (eg, member ID information) that the customer has subscribed to the card issuing server 400.

5 is a diagram illustrating a card issuing process for issuing a virtual account check card using a real account of a bank as a parent account when issuing an affiliated check card offline according to an exemplary embodiment of the present invention.

In more detail, in FIG. 5, in the check card issuing system shown in FIG. 4, 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 communication network). When the card issuance officer submits to the card issuing staff, the card issuing staff enters (or selects) the customer information corresponding to the card issuance application through a predetermined card issuing terminal, and transmits it to the card issuing server 400. Checking a virtual account for issuing a virtual account check card issuing a real account of a bank (or a real account of a card company) when issuing an affiliated check card on the offline to the customer based on the customer information in the card issuing server 400. As a process of issuing a card, a person having ordinary skill in the art to which the present invention pertains may view the present invention. When issuing an affiliated check card on the offline by referring to or modifying, various implementation methods for issuing the virtual account check card for issuing a virtual account check card using a real account of a bank (or a real account of a card company) as a parent account can be inferred. As will be appreciated, the invention includes all the inferred implementation methods, and is not limited to the implementation method illustrated in FIG.

For example, in FIG. 5, after the virtual account check card is manufactured and provided (or shipped) to the customer, the storage information 455 includes the customer information, payment account information, check card information, and check card limit. Although illustrated as storing information, the process of storing predetermined customer information, payment account information, check card information, and check card limit information in the storage medium 455 according to the intention of the skilled person. It may be performed before the check card is manufactured or before the virtual account check card is produced (or delivered) to the customer, and the present invention is not limited thereto.

Hereinafter, in FIG. 5, the card issuing terminal shown in FIG. 4 is referred to as "terminal" for convenience, and the card issuing server 400 is referred to as "server" for convenience.

Referring to FIG. 5, when the affiliated check card is issued offline, the customer faces the virtual account check card for issuing a virtual account check card for which a real account of the bank (or the real account of the card company) is the parent account. Through a card issuing interface (e.g., the card issuance application, employee terminal and communication network), a predetermined card issuance application (e.g., when the affiliated check card is issued offline, the real account of the bank (or real account of the card company)) A document having a form for filling out at least one information item for issuing a virtual account check card) and submitting it to a card issuing staff, the card issuing staff by the card issuing staff Receive (or select) customer information corresponding to the card issuance application prepared by the customer through (5) 00) The customer information is transmitted to the server through the network means (505).

Subsequently, the server receives and reads the customer information from the terminal through the communication network, and when the affiliated check card is issued to the customer on the offline based on the customer information included in the customer information, a real account (or card company) of a bank. The card issuance validity for issuing the virtual account check card for issuing the virtual account check card with the parent account as the parent account is checked (510).

In addition, when the virtual account check card comprises a debit card, the validity check for issuing the virtual account check card to the customer is linked with the debit card through a predetermined communication means based on the customer information. It is preferable that the connection is made with a financial institution server in which the customer's virtual account is opened, and checking whether the customer's virtual account is opened and normally operated.

If the server fails to identify the virtual account corresponding to the customer information (515), the server transmits the customer information received from the terminal to the virtual account opening server (520), the server Along with validity authentication for the customer information received from the terminal, the process of checking whether the virtual account corresponding to the customer information is opened (510) is repeated.

On the other hand, when the server checks the virtual account corresponding to the customer information (515), the server checks the validity of the customer information received from the terminal (525), if the virtual information to the customer through the customer information If the validity to issue an account check card is not authenticated (525), the server provides card issue error information to the customer through the card issuing interface (530), and issues the virtual account check card to the customer. Stop doing it.

On the other hand, if the validity to issue the virtual account check card to the customer through the customer information is authenticated (525), the server is a predetermined customer corresponding to the virtual account check card to issue to the customer based on the customer information Check card information including information, expiration date information, and card issuing agency information, and check card limit information is generated (or extracted) (535). For reference, the customer information, expiration date information, and card issuing agency information are virtual. And at least one card number (eg, 16-digit card number) corresponding to the account check card, expiration date information (some may be omitted), and card issuer information (or code).

According to an embodiment of the present invention, if the virtual account check card is an MS card, check card information including the generated card number information, expiration date information, card issuer information, and check card limit information is stored in the MS card. It is preferable to include a data structure recordable in at least one or more MS tracks provided.

According to another embodiment of the present invention, if the virtual account check card is an IC card, check card information including the generated card number information, expiration date information, card issuing agency information, and check card limit information is the IC chip. It is preferred to include a file structure operable through the COS (Chip Operating S5 system) provided in.

Thereafter, the server uses the predetermined card issuing device 460 to check the card information including the card number information, the expiration date information, and the card issuing agency information, and the predetermined virtual account check card including the check card limit information. Produced (or delivered) to the customer (540).

According to an embodiment of the present invention, if the virtual account check card is an MS card, the card issuing device 460 may include at least one or more MS tracks (eg, track I, track II, and track III included in the virtual account check card). ), The card number information, the expiration date information, and the card issuing organization information.

According to another embodiment of the present invention, if the virtual account check card is an IC card, the card issuing device 460 stores the card number information, expiration information, and card in a memory provided in the IC chip of the virtual account check card. It is preferable to include an apparatus for recording the issuing authority information.

Thereafter, the server checks card information including at least one of customer information included in the customer information provided from the customer through the card issuing interface, the generated card number information, expiration date information, and card issuing agency information. Customer information, payment account information, and check card limit information are stored in the storage medium 455 (545).

In more detail, Fig. 6 shows that when a customer who owns a wireless terminal having a predetermined wireless IC chip issues an affiliated check card on a predetermined offline network with a check card issuing system through a predetermined card issuing interface, the customer pays the check card. If it is not possible to present the account information to be used as an account, when providing customer information for issuing a virtual account check card using the real account of the bank (or the real account of the card company) as the parent account, the check card issuing system provides the customer information. The present invention relates to a system for issuing a virtual account check card in the form of a virtual account card applet (or IC chip storage information) to a wireless IC chip provided to the customer wireless terminal 675 based on the present invention. If one of ordinary skill in the art can refer to or modify the present invention, it is possible to issue an affiliate check card on the offline system. In a hurry, various implementation methods for the card issuance system configuration for issuing a virtual account check card using a real account of a bank (or a real account of a card company) may be inferred. It is not limited to the implementation method shown in FIG.

Hereinafter, a virtual account card applet (or a wireless IC chip provided in the customer wireless terminal 675 based on the customer information provided from the customer through a predetermined card issuing interface on the card issuing system shown in FIG. 6). At least one means for issuing a virtual account check card (IC chip storage information) or a component corresponding to a functional configuration is referred to as a "card issuing server 600" for convenience.

Referring to FIG. 6 according to an embodiment of the present invention, when issuing an affiliated check card on the offline, a card issuing system for issuing a virtual account check card using a real account of a bank (or a real account of a card company) as a parent account, And a staff terminal used by a card issuing staff provided in at least one card issuing institution (or financial institution), wherein the staff terminal is provided on the check card issuing system through a predetermined network means. The card issuing server 600 and a communication channel are connected.

According to an exemplary embodiment of the present invention, the customer visits the card issuing institution (or financial institution) to issue a virtual account check card using the real account of the bank (or the real account of the card company) as the parent account. When issuing an affiliated check card offline at the counter (or through a card issuing staff) provided at a bank (or financial institution), a virtual account check card issuance is issued using the bank's real account (or the card company's real account) as the parent account. A form for filling in at least one information item for issuing a virtual account check card for which a predetermined account issuance application (for example, when the affiliated check card is issued offline, a real account of a bank (or a real account of a card company)) is used as a parent account. The document) (or the card issuing staff visits the customer and allows the customer to When issuing an affiliated check card on the bank, fill out the prescribed card issuance application for issuing a virtual account check card with the bank account (or the credit card company's real account) as the parent account; The card issuing officer enters (or selects) the information entered in the card issuing application through a predetermined employee terminal, and the employee terminal transmits the input (or selected) information to the network means. It is preferable to transmit to the card issuing server 600 provided on the check card issuing system.

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 600 connected to the employee terminal is the card issuance Preferably, the network means includes a server provided on an institution (or a financial institution, or a card issuing affiliated institution affiliated with the card issuing institution), and the network means for connecting the employee terminal and the card issuing server 600 is the It is preferable to include a communication network connecting the communication channel between the employee terminal and the card issuing server 600.

In the check card issuing system as described above, the card issuance application created by the customer, the employee terminal used by the card issuing staff and the financial network connecting the employee terminal and the card issuing server 600 is the customer When issuing an affiliated check card on the offline, it performs a function of a card issuing interface for registering customer information for issuing a virtual account check card using a real account of a bank (or a real account of a card company) as a parent account.

According to one embodiment of the invention, the storage medium 660 is preferably provided in a DBMS on a predetermined financial system provided on the check card issuing system (or associated with the check card issuing system). At this time, the storage medium 660 may be a ledger D / B provided in the DBMS on the financial system, or a predetermined database associated with the ledger D / B, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 660 processes predetermined information on the check card issuing system by using the customer information, payment account information, check card information, and check card limit information. It is preferable to be provided in a predetermined DBMS interoperating with a server (or device) that performs a function. In this case, the location where the storage medium 660 is provided may be variously performed according to the intention of those skilled in the art. The invention is not limited.

The card issuing server 600 provided on the check card issuing system according to the present invention is a generic term for the check card issuing system side component connected to the card issuing terminal 670 through a predetermined network means. It may be implemented by including the above server (or device), or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to the embodiment of the present invention, the card issuing server 600 includes an interface unit 605 (or interface means) for providing a predetermined card issuing interface to the card issuing terminal 670 through the network means. Characterized in that made.

According to an embodiment of the present invention, when the card issuing terminal 670 is an employee terminal connected to a predetermined financial network, the interface unit 605 is connected to the employee terminal based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one information (or data) using a communication protocol defined in a card issuance application program provided in the employee terminal.

Referring to FIG. 6, the card issuing server 600 interworks with the interface unit 605 when a predetermined card issuing terminal 670 is connected to the card issuing server 600 through the interface unit 605. Interface providing unit 610 for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined customer information from the card issuing terminal 670 to the card issuing terminal 670. (Or an interface providing means) and an information receiving unit 615 which receives predetermined customer information transmitted from the card issuing terminal 670 through the user interface (or selected) in association with the interface unit 605. (Or information receiving means) and a validity authentication unit 620 (or validity authentication) for checking the validity of issuing the virtual account check card to the customer based on the received customer information. Means), a virtual account checking unit 630 for checking and reading the virtual account information corresponding to the customer information authenticated by the validity authentication unit 620 in association with the virtual account opening server and the financial system; If the customer information checked by the validity authentication unit 620 does not have the virtual account information corresponding to the customer information, the customer information is transmitted to the virtual account opening server for generating a virtual account corresponding to the customer information. And generating (or extracting) predetermined card number information, expiration date information, and card issuer information corresponding to the virtual account check card to be issued to the customer based on the received customer information. Information generating unit 635 (or information generating means), and a predetermined virtual account card applet (or IC chip storage information) including the card number information, expiration date information, and card issuing agency information. The applet generating unit 645 (or applet generating means) and the virtual account card applet (or IC chip storage information) are provided to the customer wireless terminal 675 via a predetermined wireless communication network. A card issuing unit (650) (or card issuing means) for issuing the virtual account check card by recording on the wireless IC chip provided at 675), customer information corresponding to the virtual account check card issued to the customer; And an information storage unit 655 (or information storage means) for storing payment account information, check card information, and check card limit information in the storage medium 660.

The interface providing unit 610 corresponds to a functional configuration provided in the card issuing terminal 670 when a predetermined card issuing terminal 670 is connected to the card issuing server 600 through the interface unit 605. Generate (or select) the customer information and generate a predetermined user interface which can be transmitted to the card issuing server 600 through the network means, or extract from a predetermined database (not shown), In operation 605, the generated (or extracted) user interface may be provided to the card issuing terminal 670 through the network means.

Thereafter, the card issuing terminal 670 inputs (or selects) the customer information based on the user interface, and sends the input (or selected) customer information to the card issuing server 600 through the network means. send.

According to an embodiment of the present invention, when the card issuing terminal 670 is an employee terminal connected to a predetermined financial network, the interface provider 610 may provide a card issuance application program provided in the employee terminal. It is preferable to generate (or extract) a user interface of, and provide the generated (or extracted) user interface to the employee terminal through the interface unit 605.

The information receiving unit 615 inputs (or selects) predetermined customer information from the card issuing terminal 670 through the user interface and transmits the information through the network means. Characterized in that it receives the information, and provides the received customer information to the validity authentication unit 620 or the information generating unit 635.

According to an embodiment of the present invention, the customer information includes personal information of the card issuing customer (for example, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.), and the customer issuing the card. It is preferable to include at least one member information (for example, member ID information) subscribed to the server 600.

The validity authentication unit 620 confirms the validity of issuing the virtual account check card to the customer based on the customer information and the customer wireless terminal 675 information included in the received customer information. do.

In addition, the validity check for issuing the virtual account check card to the customer, based on the customer information in connection with the financial company server opened a virtual account of the customer associated with the check card through a predetermined communication means; It is desirable to include establishing a virtual account of the customer and confirming normal operation.

In addition, the validity check for issuing the virtual account check card to the customer may include subscriber management means (for example, subscriber information D / B (not shown) and subscription management) on the wireless communication network corresponding to the customer wireless terminal 675 information. And confirming that the customer wireless terminal 675 information is valid in association with a server (not shown).

When the information transmitter 625 does not have virtual account information corresponding to the customer information checked by the validity checker 220, the virtual account checker 630 receives the information received by the information receiver 615. The customer information is transmitted to the virtual account opening server through the communication network.

For example, the virtual account opening server that checks the customer information transmitted by the information transmitting unit 625 generates an artificially assigned virtual account based on the customer information, thereby determining the amount of use of the virtual account check card of the customer. Characterized by providing the basic information to create a payment account that can be paid.

The virtual account checking unit 630 checks the virtual account information opened by the virtual account opening server based on the customer information, and reads the virtual account information from the financial system associated with the virtual account opening server. It is characterized by.

For example, the virtual account checking unit 630 accesses the virtual account opening server, and reads the virtual account information generated and opened by the virtual account opening server using the bank account as the mother account, thereby providing the card issuing server ( Characterized in that 600 to create a payment account that can pay the amount of use of the customer's virtual account check card.

The information generating unit 635 provides the customer with predetermined card number information, expiration date information, and card issuer information to be provided in the virtual account check card based on the customer information received through the information receiving unit 615. And generating (or extracting) at least one check card information and at least one check card limit information, wherein the card number information, expiration date information, card issuer information, and check card limit information are checked in the virtual account. And at least one card number (eg, 16-digit card number) corresponding to the card, expiration date information (some may be omitted), and card issuer information (or code).

The check card limit information includes information on a limit amount that can be paid by the virtual account check card, and the card number information, the effective institution information, and the card issuer information generated by the information generator 635. It is characterized in that stored in the storage medium 660 separately from the check card information containing at least one.

In addition, the check card limit information may be included in the check card information and stored in the storage medium 660 according to the intention of the person skilled in the art, but is not limited thereto.

The payment account processor 640 reads the virtual account information corresponding to the customer information for which the virtual account opening server applied for the virtual account check card in association with the virtual account opening server and the financial system, and then reads the virtual account information. Characterized in the virtual account information to the payment account information corresponding to the virtual account check card.

Check card information, check card limit information, and payment, including at least one of predetermined card number information, expiration date information, and card issuing agency information provided in the virtual account check card by the information generating unit 635; When the payment account information is generated from the account processing unit 640, the applet generation unit 645 is a predetermined virtual account card applet including the card number information, expiration date information, card issuer information, and check card limit information (Or IC chip storage information), wherein the virtual account card applet (or IC chip storage information) is recorded on a wireless IC chip provided in the customer wireless terminal 675 and a COS on the wireless IC chip. It is preferable to include a file structure operable on (Chip Operating S7 system).

When the virtual account card applet (or IC chip storage information) is generated by the applet generating unit 645, the card issuing unit 650 sends the customer through a wireless communication network corresponding to the customer wireless terminal 675 information. By transmitting the virtual account card applet (or IC chip storage information) to the wireless terminal 675, the customer wireless terminal 675 may be configured to transfer the virtual account card applet (or IC chip storage information) to the wireless terminal. It is characterized by issuing the virtual account check card to the customer by recording on the IC chip.

Thereafter, the information storage unit 655 includes at least one of customer information included in the customer information received from the customer through the information receiving unit 615, the generated card number information, expiration date information, and card issuer information. And storing the customer information, the payment account information, the check card information, and the check card limit information included in the storage medium 660.

Here, the customer information included in the customer information, payment account information, check card information, and check card limit information may include personal information of the card issuing customer (for example, customer name, social security number, address, wireless terminal information (or Mobile phone number, e-mail address, etc.) and at least one member information (eg, member ID information) that the customer has subscribed to the card issuing server 600.

In more detail, in FIG. 7, a predetermined customer prepares a predetermined card issuance application through a face-to-face card issuance interface (eg, the card issuance application, employee terminal, and network means) in the card issuance system shown in FIG. 6. When the card issuing staff is submitted to the card issuing staff, the card issuing staff inputs (or selects) the customer information corresponding to the card issuing application through a predetermined card issuing terminal 670 and transmits it to the card issuing server 600. When the card issuing server 600 issues the affiliated check card to the customer on the basis of the customer information, the virtual account check card for issuing the virtual account (or the real account of the card company) as the parent account issuing the offline check card. As a process of issuing a virtual account check card, the present invention belongs to those skilled in the art. Various implementation methods for issuing the virtual account check card for issuing the virtual account check card using the real account of the bank (or the real account of the card company) as the parent account when issuing the affiliated check card on the offline by referring to or modifying the drawing 7 It 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, in FIG. 7, after the virtual account check card is manufactured and provided (or delivered) to the customer, the storage information 660 includes the customer information, payment account information, check card information, and check card limit. Although illustrated as storing information, the process of storing predetermined customer information, payment account information, check card information, and check card limit information in the storage medium / B 660 according to the intention of the skilled person. It may be performed before the virtual account check card is manufactured or before the virtual account check card is manufactured and provided (or shipped) to the customer, whereby the present invention is not limited thereto.

Hereinafter, in FIG. 7, the card issuing terminal 670 shown in FIG. 6 is referred to as a "terminal" for convenience, and the card issuing server 600 is referred to as a "server" for convenience.

Referring to FIG. 7, when the affiliated check card is issued off-line, the customer faces the virtual account check card for issuing a virtual account check card for which a real account of the bank (or the real account of the card company) is the parent account. Through a card issuance interface (e.g., the card issuance application, employee terminal and network means), a predetermined card issuance application (e.g., when the affiliated check card is issued offline, a bank account (or a real account of a card company)) A document having a form for filling in at least one information item for issuing a virtual account check card serving as a parent account) is prepared and submitted to a card issuing staff, and the terminal is assigned a predetermined user interface by the card issuing staff. Enter the customer information corresponding to the card issuance application prepared by the customer through (or ) Being 700, and transmits the customer information through the network means to the server 705.

Here, the customer information is personal information of the card issuing customer (for example, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.), and the customer to the card issuing server 600 It is preferable to include at least one member information (for example, member ID information) subscribed to.

In addition, the customer wireless terminal 675 information is unique information of the customer wireless terminal 675 equipped with a wireless IC chip capable of recording a virtual account card applet (or IC chip storage information) (eg, wireless terminal telephone number, Or at least one of address information, identification information, or ID information), and a virtual account having a real account of a bank (or a real account of a card company) as a parent account when issuing an affiliated check card on the offline. A virtual account card applet (or IC chip storage information) corresponding to the virtual account check card is provided to a wireless terminal corresponding to the customer wireless terminal 675 information to issue a virtual account for issuing a check card. desirable.

Thereafter, the server receives and reads the customer information from the terminal through the network means, and when the affiliated check card is issued to the customer on the offline based on the customer information included in the customer information, a real account of the bank (or In step 710, the virtual account check card for issuing a virtual account check card as the parent account is issued and the validity of the customer's information is verified.

In addition, when the virtual account check card comprises a check card / debit card, the validity check for issuing the virtual account check card to the customer is based on the customer information and the check is performed through a predetermined communication means. It is preferable that the virtual account of the customer associated with the card is linked to a financial institution server opened, including checking whether the customer's opening and normal operation of the virtual account is preferably made.

If the server fails to check the virtual account corresponding to the customer information (715), the server transmits the customer information received from the terminal to the virtual account opening server (720), the server is the terminal Along with validity authentication for the customer information received from the, the process of checking whether the virtual account corresponding to the customer information is opened (710) is repeated.

On the other hand, when the server checks the virtual account corresponding to the customer information (715), the server checks the validity of the customer information received from the terminal (725), if the virtual information to the customer through the customer information If the validity to issue an account check card is not authenticated (725), the server provides card issue error information to the customer through the card issuing interface (730), and issues the virtual account check card to the customer. Stop doing it.

On the other hand, if the validity to issue the virtual account check card to the customer through the customer information is authenticated (725), the server is a predetermined card corresponding to the virtual account check card to issue to the customer based on the customer information Number information, expiration date information, and card issuer information are generated (or extracted) (735), and the card number information, expiration date information, and card issuer information correspond to a card number (e.g., 16) corresponding to the virtual account check card. Digit card number), expiration date information (some may be omitted) and card issuer information (or code).

Thereafter, the server stores a predetermined virtual account card applet (or IC chip) including check card information including the generated (or extracted) card number information, expiration date information, card issuer information, and check card limit information. Information) is generated (740), and the generated virtual account card applet (or IC chip storage information) is connected to the customer wireless terminal 675 through a wireless communication network corresponding to the customer wireless terminal 675 information included in the customer information. (745).

Here, the virtual account card applet (or IC chip storage information) includes a file structure recorded on a wireless IC chip provided in the customer wireless terminal 675 and operable on a chip operating system (COS) on the wireless IC chip. It is preferable to make.

According to an embodiment of the present invention, the server reads the customer wireless terminal 675 information included in the customer information to identify a wireless communication network corresponding to the customer wireless terminal 675 information, and is connected to the wireless communication network. It is preferable to transmit the generated virtual account card applet (or IC chip storage information) to the customer wireless terminal 675 through the applet providing server 665.

Those skilled in the art to which the present invention pertains, various methods of transmitting the virtual account card applet (or IC chip storage information) from the applet providing server 665 to the customer wireless terminal 675 ( For example, a virtual account 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 675 records the received virtual account card applet (or IC chip storage information) on a wireless IC chip provided in the wireless terminal, thereby storing the virtual account card applet (or IC chip storage information). Issuing a virtual account check card corresponding to (750).

Thereafter, the server checks card information including at least one of customer information included in the customer information provided from the customer through the card issuing interface, the generated card number information, expiration date information, and card issuing agency information; Customer information, payment account information, and check card limit information are stored in the storage medium / B 660 (755).

According to an exemplary embodiment of the present invention, the phase storage medium report D / B 660 is provided in a DBMS on a predetermined financial system provided on the check card issuing system (or associated with the check card issuing system). Preferably, the storage medium D / B (660) may be a ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, whereby the present invention It is not limited.

In more detail, FIG. 8 illustrates that when a predetermined card issuing server transmits customer information through a network means and requests to open a virtual account for issuing a virtual account check card, a predetermined financial institution in the virtual account opening system according to the present invention ( For example, the present invention relates to a system for establishing a virtual account using a bank account opened in the name of a bank). Specifically, when the card-issuing server provides customer information, the virtual account in the virtual account opening system according to the present invention. The virtual account check card issuing request corresponding to the opening application information relates to an implementation method of opening a virtual account for issuing the virtual account check card to a customer.

Those skilled in the art to which the present invention pertains may refer to or modify this drawing 8 to infer various implementation methods for configuring a virtual account opening system for issuing a virtual account check card. It includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Hereinafter, based on the customer information provided from the card issuing server through a predetermined information receiving unit 805 on the virtual account opening system shown in FIG. 8, a virtual account check card issuance request customer name corresponding to the virtual account opening target is provided. Components corresponding to at least one or more means or functional configurations of opening a predetermined virtual account of the " virtual account opening server (or virtual account opening means) 800 "

According to an embodiment of the present invention, the card issuing server is a virtual account opening server provided on the virtual account opening system via the network means (for example, a financial network) for the customer information for issuing the virtual account check card. It is desirable to send to 800.

Here, the virtual account opening server 800 connected to the card issuing server preferably comprises a ledger server provided on the financial system in which the virtual account is opened, and the card issuing server and the virtual account opening server 800 are provided. It is preferable that the network (or financial network) for connecting comprises a branch network connecting the communication channel between the window terminal and the virtual account opening server 800.

At the request of the card issuing server, a financial institution that opens a virtual account for issuing a virtual account check card to a predetermined virtual account check card issuing customer may request at least one financial transaction (eg, credit) from at least one financial transaction customer. , Receiving, foreign exchange, financial investment, etc.) is provided with a predetermined financial system for providing a service.

The financial system provided in the financial institution is connected to at least one or more window terminals provided at branches (or branch offices) of the financial institution through a predetermined financial network (for example, a branch network). Provides a face-to-face financial transaction service for at least one financial transaction customer through the financial transaction service, including the financial transaction service for issuing the virtual account check card through the opening and operation of the virtual account. desirable.

The financial system may also include at least one financial terminal including a CD / ATM (Cash Dispenser / Automatic Teller Machine) provided at a branch (or branch) of the financial institution, or at least one other financial institution affiliated with the financial institution. At least one financial terminal provided in an institution (or other financial institution branch), or at least one financial terminal provided in a public place, and is connected through a predetermined financial network (eg, a CD common network), Provide a non-face-to-face financial transaction service for at least one financial transaction customer through the financial terminal, the financial transaction service includes a financial transaction service for issuing the virtual account check card through opening and operating the virtual account. It is preferable to make it.

In addition, the financial system is characterized in that it is associated with a predetermined Internet banking server, a network (eg, wired Internet, IEEE 802.118 based wireless LAN, or IEEE 802.168) connected to the TCP / IP-based backbone network through the Internet banking server A personal computer (PC) or laptop equipped with at least one client terminal (eg, the wired Internet access and browsing function) connected to a portable Internet, etc., and a laptop equipped with the WLAN / portable Internet access and browsing function. Or a non-face-to-face financial transaction service to at least one financial transaction customer through a mobile terminal, etc., wherein the financial transaction service provides a financial transaction service for issuing the virtual account check card through opening and operating the virtual account. It is preferable to comprise.

In addition, the financial system is characterized in that associated with a predetermined wireless banking server, through the wireless banking server, a predetermined wireless network (for example, a mobile communication network based on CDMA (Code Division Multiple Access), or IEEE 802.168 based portable Internet) Or at least one wireless terminal (e.g., a Personal Communication S9stem (PCS) or Global S9stem for Mobile (GSM) terminal or PDA having a function of accessing and browsing the mobile communication network) connected to a DataTAC / Mobite8 based wireless data communication network. (Personal Digital Assistant) or smartphone (Smart Phone) or telematics (such as telematics) to provide a non-face-to-face financial transaction service to at least one financial transaction customer, the financial transaction service to open and operate the virtual account Through the financial transaction service for issuing the virtual account check card through the bar It is good.

In addition, the financial system is characterized in that associated with a predetermined IC chip-based wireless banking server, a predetermined wireless network (for example, a code division multiple access (CDMA) based mobile communication network, through the IC chip-based wireless banking server, Or IC chip based non-payment to at least one financial transaction customer through at least one wireless terminal (e.g., a wireless terminal having a financial IC chip) connected to an IEEE 802.168 based portable Internet or a DataTAC / Mobite8 based wireless data communication network. Providing a face-to-face financial transaction service, the financial transaction service preferably comprises a financial transaction service for issuing the virtual account check card through the opening and operation of the virtual account.

In addition, the financial system is characterized in that associated with a predetermined telebanking server, at least one or more connected to a predetermined wired voice telephone network (eg, Public Switched Telephone Network (PSTN)) through the telebanking server At least one wireless communication terminal (e.g., a PCS or GSM terminal or a smartphone) connected to a fixed line communication terminal (e.g., a telephone) or a predetermined wireless voice communication network (e.g., a mobile communication network based on a code division multiple access (CDMA)) ) Provides a non-face-to-face financial transaction service to at least one financial transaction customer, wherein the financial transaction service includes a financial transaction service for issuing the virtual account check card through opening and operating the virtual account. desirable.

In addition, the financial system is characterized in that associated with a predetermined home banking server, at least one or more home appliances (eg, digital TV or refrigerator connected to a home network) connected to a predetermined home network through the home banking server Providing a non-face-to-face financial transaction service to at least one financial transaction customer through the financial transaction service, the financial transaction service comprises a financial transaction service for issuing the virtual account check card through the opening and operation of the virtual account. .

In addition, the financial system is characterized in that associated with a predetermined TV banking server, at least one digital TV (for example, two-way digital TV, satellite DMB terminal) connected to a predetermined return channel (Return Channel) through the TV banking server And non-face-to-face financial transaction services to at least one financial transaction customer through a terrestrial DMB terminal, etc., wherein the financial transaction service is a financial transaction service for issuing the virtual account check card through opening and operating the virtual account. It is preferable to comprise a.

Referring to FIG. 8, the financial system is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. At least one branch (or teller) in which accounts or transactions occur such as credit or reception or trust or foreign exchange, accounting for processing of headquarters operations and branch information support and customer information management; Interconnection between the system and at least one other financial system (or payment system), or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based wireless banking, tele Banking, TV banking, etc.) access to the financial system, or At least one external network that provides a variety of financial transaction interfaces through a common network (eg, CD common network, financial common network), characterized in that the financial system is provided with the interfacing between components in the financial system Interface module corresponding to the middleware platform provided, and the predetermined information (for example, ledger information, customer information, or management information, etc.) required for performing each function in the components of the financial system, and stores and Characterized in that it comprises a DBMS (DataBase Management S9stem) comprising at least one database to manage.

In addition, the financial system is a foreign exchange module (not shown) according to the intention of a person skilled in the art or the type of each financial institution (for example, commercial bank, savings bank, trust bank) equipped with the financial system and the purpose and characteristics of the financial system. ), It is possible to further include at least one or more components such as investment finance module (not shown), international module (not shown), if the person skilled in the art to which the present invention belongs. Since it will be familiar with the technical details, the detailed description thereof will be omitted for convenience, thereby not limiting the present invention.

According to the present invention, the DBMS provided in the financial system is for the financial institution to open at least one financial account to at least one financial transaction customer, and to provide at least one financial transaction service based on the financial account And a ledger D / B on a financial system that stores at least one ledger, wherein the ledger D / B on the financial system performs at least one financial transaction processing for the financial institution to provide to the financial transaction customer. At least one ledger information (e.g., a customer ledger, a reception ledger, a collateral ledger, etc.) and at least one ledger additional information corresponding to each ledger information (e.g., specifying or supplementing each ledger's attributes / functions) It is characterized by being stored in association with the relationship (Relationship).

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

The virtual account opening server 800 provided on the virtual account opening system according to the present invention is a generic term for the virtual account opening system side components connected to the teller terminal through a predetermined financial network, and includes at least one server ( Or an apparatus) or at least one or more programs recorded on a recording medium provided in a predetermined server (or apparatus), and the present invention is not limited thereto.

According to the method of the present invention, the virtual account opening server 800 is an information receiving unit 805 for receiving a predetermined virtual account opening application information from the card issuing server through the network means, and the received virtual account opening An information generator 810 for generating predetermined virtual account ledger information corresponding to the virtual account to be opened to the customer based on the application information; and the bank account linked to the virtual account in the ledger D / B on the financial system. And an information storage unit 815 for storing the generated virtual account ledger information in association with the account ledger of the financial account corresponding to the.

The information receiver 805 receives predetermined customer information transmitted from the virtual account opening server 800, and provides the received customer information information to the information generator 810.

According to an embodiment of the present invention, the customer information is preferably transmitted to the virtual account check card issuing request customer together with the card issuing server information transmitting the customer information for issuing the virtual account check card.

In addition, according to an embodiment of the present invention, the information receiving unit 805 may further include a function of confirming the validity of opening a virtual account for the received customer information.

In this case, the validity of the virtual account opening is preferably determined to include whether a financial account corresponding to the customer information exists in the ledger D / B on the financial system.

The information generating unit 810 generates predetermined virtual account ledger information to be provided in the virtual account opened under the name of the virtual account check card issuing request customer based on the customer information received through the information receiving unit 805. The virtual account ledger information is to be included in the parent account information associated with the virtual account and the account ledger provided in the ledger D / B provided on the financial system (or the virtual account is the virtual account) Check Card Issuing Request It is desirable to include at least one ledger information, which must be provided to process at least one or more financial transactions requested by the customer.

For reference, in the exemplary embodiment of the present invention, the virtual account is generated through the procedure of confirming the customer information received from the card issuing server in the information receiving unit 805. According to another exemplary embodiment of the present invention, The card issuing server transmits the customer information together with the virtual account creation request information generated by the card issuing server to the virtual account opening server, so that the information acceptor 805 constituting the virtual account opening server is the customer. By receiving the information, the information generation unit 810 may be processed to generate a virtual account corresponding to the customer information based on the virtual account creation request information.

Those skilled in the art to which the present invention pertains, should include in the account ledger (or the virtual account to be equipped to process at least one or more financial transactions requested by the customer requesting issuance of the virtual account check card) Since you will be familiar with the configuration of at least one ledger information, a detailed description thereof will be omitted for convenience.

When the predetermined virtual account ledger information to be included in the virtual account is generated by the information generator 810, the information storage unit 815 may be assigned to a predetermined bank account provided in the ledger D / B provided on the financial system. And generating a predetermined virtual account ledger associated with a corresponding account ledger and storing the generated virtual account ledger information in the virtual account ledger.

According to an embodiment of the present invention, the bank account information associated with the virtual account corresponds to a real account (or a parent account) associated with a virtual account of the customer name of the virtual account check card issuing request at the request of the card issuing server. As the information corresponding to the bank account, it is preferable to include at least one or more of the account number and account holder information, etc. for the bank account already established in the ledger D / B on the financial system.

For reference, although not shown in FIG. 8, according to another embodiment of the present invention, the virtual account opening server transmits virtual account information for transmitting the virtual account information generated by the virtual account opening server to the card issuing server. It may further comprise a portion.

9 is a diagram showing the configuration of a virtual account ledger for issuing a virtual account check card according to an embodiment of the present invention.

In more detail, FIG. 9 illustrates a virtual account which is processed in association with an account ledger corresponding to a bank account provided in the ledger D / B on the financial system for issuing the virtual account check card in the virtual account opening system shown in FIG. As to the ledger configuration, those of ordinary skill in the art to which the present invention pertains may refer to or modify this drawing 9 to infer various implementation methods for the construction of a virtual account ledger for issuing a virtual account check card. However, the present invention includes all implementation methods inferred from the above, and is not limited by the implementation method shown in FIG.

Referring to FIG. 9, a virtual account ledger corresponding to a virtual account opened in the name of the virtual account check card issuing request customer for issuing the virtual account check card is processed in association with an account ledger corresponding to the bank account. It is characterized in that it is provided in the ledger D / B on the system, the account ledger corresponding to the bank account is processed in connection with a predetermined customer ledger corresponding to the financial institution (for example, bank).

In this figure 9 according to the embodiment of the present invention, the customer ledger is a ledger corresponding to the financial institution (eg, a bank). Name, Customer Address, Area Code, Telephone Number, Business Number, Trade Name, Classification Code, Expiry Date, Status Head Office Information, Settlement Date, Cash Date, Last Name, Name, Social Security Number, Company Address, Company Phone Number, Mailing Address, Account No., President, Business Type, Legal Representative, Initial Transaction Date, TRW, DB, Usage, and Parent Company Number. Country name, transmission, gender resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. It is preferable.

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

In addition, in this figure 9, the account ledger corresponding to the bank account is linked to the customer ledger in a relational manner, and the account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, and RBI balance 1, RBI balance 2, bank balance, bank account number, interest now, time extension, time extension, ARS, final deposit date, final withdrawal date, final deposit amount, final withdrawal amount, unbooked transactions, interest rate accounting, flat consolidation It includes account ledger information including at least one or more, the final payment interest, the final payment transaction number, individual interest rate reference, and the date of final interest calculation, and includes the account number, withdrawal (months), and period corresponding to the account ledger. At least one of periodic reception information including at least one of (day), extension of time, expiration date, and target amount, or account number, deposit amount, par value, pension date, and number of shares corresponding to the ledger. Trust reception information, or account number, transaction number, date, store number, commodity type, transaction type, cash amount, RBI, batch number (Batch No.), compound transaction, date of settlement, bank account Transaction history information including at least one of a line, a summary, a CIF, and the like.

Those of ordinary skill in the art to which the present invention pertains clearly understand the contents and characteristics of the account ledger information included in the account ledger and the information contained in the at least one additional information structure linked to the account ledger. Since it will be, a detailed description thereof will be omitted for convenience.

Referring to FIG. 9, the virtual account ledger is processed in a relational manner with an account ledger corresponding to the bank account, and the virtual account ledger information includes parent account information linked to the virtual account and the financial system. At least one ledger information to be included in the account ledger provided in the ledger D / B (or virtual account must be equipped to process at least one or more financial transactions requested by the customer requesting issuance of the virtual account check card) It is preferable to comprise a.

According to the embodiment of the present invention, the virtual account ledger information includes a mother account number associated with the virtual account, and in addition to the account ledger, a predetermined virtual account number, point number, currency, opening date, virtual account state , Virtual account type, virtual account interest rate, virtual account password, virtual account deposit, bank balance, bank account number, interest interest, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, It includes at least one ledger information such as the number of unpaid transactions, interest rate account account, flat currency connection, final payment interest, final payment transaction number, individual interest rate reference, and date of final interest calculation, wherein the virtual account deposit is the virtual account deposit. As an amount corresponding to an account balance, the actual balance of the virtual account is preferably deposited in the bank account.

Those skilled in the art will be familiar with at least one ledger information configuration to be included in the store virtual account ledger in addition to the virtual account ledger information described above, a detailed description thereof is omitted for convenience. do.

In more detail, in FIG. 10, in the virtual account opening system shown in FIG. 8, a predetermined customer opens a virtual account opening server through a predetermined virtual account opening interface (for example, a virtual account opening application, a window terminal, and a financial network). When the predetermined account opening application information is transmitted to the virtual account opening server 800, the process for opening a predetermined virtual account based on the virtual account opening application information is performed by the virtual account opening server 800. As those skilled in the art to which the present invention pertains, various embodiments of opening the virtual account for issuing a virtual account check card by referring to or modifying the drawing 10 may be inferred, but the present invention. Includes all of the inferred implementation methods and is not limited to the implementation method illustrated in FIG. 10.

Hereinafter, in this figure 10, the window terminal shown in Fig. 8 is referred to as "terminal" for convenience, and the virtual account opening server 800 is referred to as "server" for convenience.

Referring to FIG. 10, the card issuing server provides customer information corresponding to the virtual account check card issuing request customer to the server for issuing a virtual account check card (1000).

When the customer information is received from the server, the server reads the received customer information to check whether the virtual account can be opened to the virtual account check card issuing customer (1005).

If the validity to open the virtual account to the customer through the customer information is not authenticated (1010), the server generates an error information and transmits to the card issuing server (1015), the virtual to the customer Stop opening an account.

On the other hand, if the validity to open the virtual account to the customer through the virtual account opening application information is authenticated (1010), the server is to open the virtual account check card issuing request customer based on the virtual account opening application information The virtual account ledger information corresponding to the virtual account check card issuing request customer name corresponding to the virtual account is generated (1020).

Here, the virtual account ledger information is to be included in the mother account information associated with the virtual account and the account ledger provided in the ledger D / B provided on the financial system (or the virtual account is the virtual account check card issuance request) Preferably at least one or more ledger information, which the customer must have in order to process at least one or more financial transactions requested by the customer.

Thereafter, the server checks the account ledger corresponding to the bank account to be linked to the virtual account to be opened to the virtual account check card issuing request customer among at least one account ledger provided on the ledger D / B on the financial system. (1025).

If the account ledger corresponding to the virtual account check card dedicated bank account, which is the mother account to be linked to the virtual account to be opened to the virtual account check card issuing request customer, is confirmed (1030), the server receives the ledger D / B on the financial system. Generate a virtual account ledger in the name of the virtual account check card issuing request customer that is processed in association with the account ledger corresponding to the bank account (1035), and the ledger D / B on the financial system to the bank account The generated virtual account ledger information is stored in the virtual account ledger generated in association with the corresponding account ledger (1040).

According to the present invention, a customer who wishes to issue a check card on offline can receive a check card with only his or her personal information without any hassle, and thus can provide convenience for the customer.

In addition, a check card can be issued to prospective customers who are not bank customers, that is, other bank customers or customers who do not have an account, only by verifying personal information without going through the account opening process. You can expect to attract.

Claims

Receiving check card issuing application information transmitted from a card issuing terminal in a predetermined information receiving means;

Confirming, by a predetermined information checking means, whether the received check card issuing application information includes payment account information associated with the check card to be issued;

When the received check card issuing application information does not include payment account information associated with the check card to be issued, a predetermined account opening application means for setting a payment account to be associated with the check card as a financial company account as a parent account. Generating virtual account opening application information for opening a virtual account of the;

Opening a virtual account using a financial company account as a parent account in response to the generated virtual account opening application information in a predetermined virtual account opening means; And

And processing a check card issuance using the opened virtual account as a payment account in a predetermined card issuing means.

The method of claim 1,

And storing the information on the predetermined storage medium by interworking the customer information, the payment account information, the check card information, and the check card limit information corresponding to the issued check card in a predetermined information storage means. How to issue a check card.

A computer-readable recording medium having recorded thereon a program for executing the method of claim 1.

When the application for issuing a check card is issued, if the customer who applies for a check card does not have an account opened by a check card payment financial company (bank, securities company, etc.) with the check card payment account, A virtual account opening means for opening a predetermined virtual account using the account of the check card settlement financial company (bank, securities company, etc.) as a payment account associated with a check card to be issued; And

And a card issuing means for processing issuance of a check card using the opened virtual account as a payment account.