KR20090029250A - System for providing information of card limit - Google Patents

Abstract

A card limit information providing system transferring a message including remaining balance on the card to wireless client terminal is provided to confirm a card remaining limit at any time when a user pays a bill by credit or uses a cash service. A telegram receiving unit(105) receives settlement approval request statement including the customer card information and settlement amount information through the predetermined network. A readout unit(110) reads the received settlement approval request statement and the customer card information. A limit confirmation unit(115) confirms card usage limit corresponding to the customer card information. A settlement processing unit(120) determines whether to settle payment in reference with the confirmed card usage limit. The settlement processing unit performs the payment processing about the payment amount. An information provide unit(125) provides the remaining limit information of the client card.

Description

System for Providing Information of Card Limit}

1 is a diagram showing a schematic configuration of a card limit information providing system according to an embodiment of the present invention.

2 is a diagram illustrating an information registration system for providing residual limit information when paying for a customer card according to an exemplary embodiment of the present invention.

3 is a diagram illustrating a process of registering card residual limit provision application information for providing residual limit information when paying for a customer card according to an exemplary embodiment of the present invention.

4 is a diagram illustrating a configuration of a card limit information providing system according to an exemplary embodiment of the present invention.

5 is a diagram illustrating a functional configuration of a payment terminal for outputting the remaining limit information of the customer card during the payment processing through the customer card according to the embodiment of the present invention.

6 is a diagram illustrating an operation process of a payment terminal according to an embodiment of the present invention.

7A and 7B illustrate a process of providing card limit information according to an embodiment of the present invention.

8 is a diagram illustrating a payment approval response professional structure according to an embodiment of the present invention.

9 is a diagram of a sales slip printed with card usage limit information according to an exemplary embodiment of the present invention.

10 is a diagram illustrating a card limit information providing system configuration according to an embodiment of the present invention.

11 is a diagram illustrating a functional configuration of an ATM / CD for performing a cash service process using a customer card according to an embodiment of the present invention.

12 is a diagram illustrating an operation of ATM / CD according to an embodiment of the present invention.

13A and 13B illustrate a process of providing card limit information according to an exemplary embodiment of the present invention.

<Description of main parts of drawing>

100: information output means 105: professional receiving means

110: professional reading means 115: hinge check means

120: payment processing means 125: information providing means

130: storage medium

In the present invention, if a payment approval request message including customer card information and payment amount information is received from the terminal, and the payment is processed by comparing the card usage limit corresponding to the customer card information included in the payment approval request message and the payment amount Information corresponding to the remaining limit in a payment approval response message including a limit checking means for confirming the remaining limit information of the customer card subtracting the payment amount from the card use limit and a payment processing history corresponding to the payment processing; It relates to a card limit information providing system including an information providing means for adding an item and further including the identified remaining limit information in the information item so as to be provided to the terminal.

Recently, due to the development of the card infrastructure and the development of the credit card industry, a card (for example, a credit card, etc.) is widely used as a payment method to replace cash when purchasing goods or using services.

The payment method using the card can solve the inconveniences such as inconveniences and theft caused by carrying cash, can receive tax deductions, and also prevents tax evasion due to disclosure of transaction details.

In the payment method using such a card, when a customer purchases a credit for a product or service at a merchant using a card, the customer card information is transmitted to a VAN company through a merchant terminal, and the VAN company is stolen through a card company server. Checking whether or not, the limit is exceeded, whether the delinquency is requested, and if the approval for the transaction is made in the card company server, the approval details are made to the process of transmitting to the merchant terminal through the VAN company.

In this process, the merchant terminal is slightly different depending on the document purchase method or terminal type, but the sales slip is output. The sales slip is a card type, membership number, transaction date, merchant number, transaction amount, merchant name and signature column. It is configured to include.

In order to use such sales slips more actively, recently, some sales pitches are provided on the sales slip, including advertisement texts. These advertisements are mainly intended by advertisers, and are useful for actual card users. I could not say.

On the other hand, cardholders, in general, to check their current card usage (or cash service limit), access the card company through the Internet, or call the card company's call center to check, which is the card number It was not an inconvenient and cumbersome task because I entered the resident registration number, etc., or included ID / PW certification or accredited certification.

An object of the present invention for solving the above problems, the payment authorization request message containing the customer card information and payment amount information received from the terminal, the card usage limit corresponding to the customer card information included in the payment approval request message When the payment is processed by comparing the payment amount, payment approval response including a limit checking means for confirming the remaining limit information of the customer card subtracting the payment amount from the card usage limit and the payment processing details corresponding to the payment processing; The present invention provides a card limit information providing system including information providing means for adding an information item corresponding to the remaining limit to a preamble and further providing the terminal with the checked remaining limit information. .

In the card limit information providing system according to the present invention, a payment approval request text including customer card information and payment amount information is received from a terminal, and the card usage limit and payment corresponding to the customer card information included in the payment approval request text are received. When the payment is processed by comparing the amount, the payment approval response full message including limit checking means for confirming the remaining limit information of the customer card subtracting the payment amount from the card usage limit and the payment processing details corresponding to the payment processing; And an information providing means for adding the information item corresponding to the residual limit to the terminal, and further including the checked residual limit information in the information item so as to be provided to the terminal.

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 will be omitted. Terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users or operators. Therefore, the definition should be made based on the contents throughout the present invention.

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

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

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

1 is a diagram showing a schematic configuration of a card limit information providing system according to an embodiment of the present invention.

In more detail, Figure 1 is a specialized receiving means for receiving the payment approval request text including the customer card information and payment amount information through a predetermined network 105, and read the received payment approval request full text, Refers to the professional reading means 110 for confirming the customer card information and payment amount information included in the limit, the limit checking means 115 for checking the card usage limit corresponding to the customer card information, and the confirmed card usage limit. Then, it is determined whether payment processing for the payment amount is possible, and if the payment processing is possible, the payment processing means 120 for performing the payment processing for the payment amount and the remaining limit information of the customer card with predetermined information output means. A simple configuration diagram of a card limit information providing system according to the present invention to which the information providing means 125 provided to 100 is connected, Those skilled in the art will be able to infer various implementation methods for the configuration of the card limit information providing system by referring to or modifying the drawing 1, but the present invention includes all the implementation methods inferred from the above. It is not limited to the implementation method shown in FIG.

According to an embodiment of the present invention, the information output means 100 for outputting the customer card remaining limit information includes at least one merchant payment terminal, a CD (Cash Dispenser), an ATM (Auto Teller Machine), or a customer wireless terminal. Characterized in that made.

For example, if the information output means 100 is a merchant payment terminal, CD (Cash Dispenser), ATM (Auto Teller Machine), the network between the information providing means 125 and the information output means 100 is a VAN or financial It is preferable that it is a common network, and when the information output means 100 is a customer wireless terminal, the network between the information providing means 125 and the information output means 100 is preferably a wireless network.

In addition, when the information output means 100 is a merchant payment terminal, CD (Cash Dispenser), ATM (Auto Teller Machine), the customer card remaining limit information, the blind spot payment terminal, CD (Cash Dispenser), ATM ( It is output through a predetermined screen output means provided in the Auto Teller Machine, or is printed on a predetermined sales slip (or receipt) is characterized in that the output.

In addition, when the information output means 100 is a customer wireless terminal, the customer card remaining limit information is included in the predetermined text message (or multimedia message), characterized in that transmitted to the customer wireless terminal.

The specialized receiving means 105, professional reading means 110, limit checking means 115, information providing means 125, payment processing means 120 is provided in the VAN company server, or in the card company server Or a predetermined server on the VAN, or a predetermined server on the payment network.

The illustrated network includes at least one of a VAN, a financial network, and an ATM / CD network.

2 is a diagram illustrating an information registration system for providing residual limit information when paying for a customer card according to an exemplary embodiment of the present invention.

In more detail, Figure 2 shows that after the predetermined card is issued in the name of the customer, the customer checks the remaining limit information of the card and provides it to the customer when the customer uses the card for payment processing. When the provision information is provided to the information registration server 200 on the information registration system shown in FIG. 2, the information registration server 200 associates the customer information (or card information) with the card remaining limit information. As a system configuration for storing and registering in a predetermined author's medium, a person having ordinary knowledge in the technical field to which the present invention pertains refers to an information registration system for payment through a customer card by referring to or modifying FIG. Various implementation methods for the configuration may be inferred, but the present invention includes all implementation methods inferred from the above, It shall be limited to methods.

Hereinafter, at least one means or function configuration for storing the card remaining limit provision application information provided from the customer on the storage medium 130 through a predetermined information registration interface on the information registration system shown in FIG. The component to be referred to as "information registration server 200" for convenience.

Referring to FIG. 2 according to an embodiment of the present invention, an information registration system for payment through a customer card according to the present invention includes at least a client terminal including at least one wired terminal or a wireless terminal used by a customer. Characterized in that it comprises one or more information registration terminal, the information registration terminal is connected to the communication channel and the information registration server 200 provided on the information registration system through a predetermined network means.

According to an embodiment of the present invention, the customer accesses the information registration server 200 through at least one client terminal of a wired terminal connected to a predetermined wired network or a wireless terminal connected to a predetermined wireless communication network, and the information. When the payment processing through the customer card according to the present invention through the at least one user interface provided by the registration server 200, if the card remaining limit providing application information for receiving the card utilization is input (or selected), It is preferable to transmit from the client terminal to the information registration server 200 provided on the information registration system through a predetermined network means.

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

In addition, the wireless terminal connected to the wireless network is any terminal device connected to a CDMA-based mobile communication network, or all terminal devices connected to the IEEE 802.16x-based portable Internet, or Motorola's DataTAC method or Erricson's Mobitex. A generic term for all terminal devices connected to a wireless data communication network, which is a Personal Communication System (PCS) or Global System for Mobile communications (GSM) terminal or a Personal Digital Cellular terminal connected to the CDMA-based mobile communication network. A PDC or PHS (Personal Handyphone System) terminal or a Personal Digital Assistant (PDA) or a smart phone or telematics, or a portable Internet terminal connected to the IEEE 802.16x based mobile Internet, or Wireless connected to the DataTAC / Mobitex based wireless data communication network It is preferable to include at least one or more data communication terminals.

In addition, the information registration server 200 connected to the client terminal is either an internet banking server, a wireless banking server, a telebanking server or a TV banking server according to the characteristics of the client terminal and network means, or the information registration. It is preferable to include a separate web server for.

In addition, the network means for connecting the client terminal and the information registration server 200 is a CDMA based mobile communication network or a wireless Internet based on IEEE 802.16x or DataTAC / Mobitex based on the type of wireless network connected to the client terminal It is preferable that any one of the data communication networks or the wireless communication network of all kinds proposed in the future including a predetermined wireless interval is included.

In addition, the client terminal outputs at least one or more user interfaces provided by the information registration server 200, and inputs or selects at least one or more information through the user interface and transmits the information to the information registration server 200. It is preferable that a function configuration (e.g., a browser program and a communication function, or a predetermined communication program and communication function to communicate with the information registration server 200) is provided.

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

In the information registration system as described above, a client terminal including at least one wired terminal or a wireless terminal used by the customer, and at least one wired or wireless network connecting the client terminal and the information registration server 200. The customer performs a function of an information registration interface for registering the card remaining limit providing information for receiving the remaining limit information of the customer card when processing payment through the customer card according to the present invention.

According to another exemplary embodiment of the present invention, the information registration terminal, in addition to the client terminal, a cash automatic teller machine (ATM) connected to a predetermined financial network (for example, a financial common network), a cash dispenser (Cash Dispenser) A telephone call further comprising a financial automation device (not shown) including a CD, or connected to a fixed telephone network such as a Public Switched Telephone Network (PSTN) or a Voice over IP (VoIP) network. It further comprises a terminal (not shown), or further comprises a predetermined call terminal (not shown) connected to a wireless telephone network such as a mobile communication network, wireless VoIP network, or at least one or more affiliated with the financial institution Terminals (or servers) (not shown) provided in the engine may be further included, whereby the present invention is not limited.

In the information registration system as described above, when the information registration terminal is the automatic teller machine (not shown), the automatic teller machine (not shown), the automatic teller machine (not shown) and the information registration server 200. The financial network that connects the customer to perform the function of the information registration interface for registering the card remaining limit provision application information for receiving the remaining limit information of the customer card when the payment processing through the customer card in accordance with the present invention Or, if the information registration terminal is the call terminal (not shown), a wired or wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the information registration server 200. When the customer is processing the payment through the customer card in accordance with the present invention, the card remaining limit provision for receiving the remaining limit information of the customer card The terminal (or server) (not shown) that performs a function of an information registration interface for registering information or is provided in an institution affiliated with the financial institution that is the information registration terminal (not shown). O) and the network connecting the terminal (or server) (not shown) and the information registration server 200, when the customer processes payment through the customer card according to the present invention, the remaining limit information of the customer card. Performs a function of an information registration interface for registering card remaining limit provision application information for receiving.

The storage medium 130 provided on the information registration system according to the present invention is characterized in that the customer card remaining limit provision application information provided from the information registration terminal and the customer card information is stored in association.

Here, the customer card remaining limit providing application information, the remaining limit providing target card information, the remaining limit providing consent information, the remaining limit providing time information, the remaining limit providing terminal information (for example, payment terminal, ATM, wireless terminal 235, etc.) ), The remaining limit providing count information, and the remaining limit providing region (location) information.

According to an embodiment of the present invention, the storage medium 130 may be provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), in which case the storage medium ( 130 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 is not limited.

The information registration server 200 provided on the information registration system according to the present invention is a generic term for the information registration system-side components connected to the information registration terminal through a predetermined network means, and includes at least one server (or apparatus). ), Or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), and the present invention is not limited thereto.

According to an embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal or a wireless terminal connectable to an Internet banking server on a predetermined internet banking system, the information registration server 200 is the Internet banking system. A predetermined internet banking server provided on the program, a program provided in the internet banking server, a predetermined server (or device) accessible to the external system of the financial system through the internet banking system, or the server ( Or a server (or device) provided in an external system on the financial system accessible through the Internet banking server (or the server (or device)), or an external system on the financial system. It may be a program provided in, by which the present invention is not limited.

According to another exemplary embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connectable to a wireless banking server on a predetermined wireless banking system, the information registration server 200 is configured on the wireless banking system. A predetermined wireless banking server or a program provided in the wireless banking server, or a predetermined server (or device) accessible to the outside world of the financial system through the wireless banking system, or the server (or device) Or a server (or device) provided in the external system on the financial system accessible through the wireless banking server (or the server (or device)), or in the external system on the financial system. The present invention is not limited thereto.

According to another exemplary embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the information registration server 200 is located on the telebanking system. A predetermined telebanking server (for example, an Automatic Response Service (ARS) server), a program provided in the telebanking server, or a predetermined server accessible to the external system of the financial system through the telebanking system. (Or a device), a program included in the server (or device), or a server (or device) provided in the external world on the financial system accessible through the telebanking server (or the server (or device)). Or it may be a program provided in the external world on the financial system, whereby the present invention is not limited.

According to another embodiment of the present invention, when the information registration terminal is a wired terminal (or two-way digital TV) connectable to a TV banking server on a predetermined TV banking system, the information registration server 200 is the TV banking system. A predetermined TV banking server provided on the program, a program provided in the TV banking server, a predetermined server (or device) accessible to the external system of the financial system through the TV banking system, or the server ( Or a server (or device) provided in an external system on the financial system accessible through the TV banking server (or the server (or device)), or an external system on the financial system. It may be a program provided in, by which the present invention is not limited.

According to an embodiment of the present invention, the information registration server 200 is characterized by comprising an interface unit 205 for connecting and managing a predetermined communication channel with the information registration terminal through the network means.

According to an embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal or a wireless terminal connected to a predetermined wired network or a wireless network, the interface unit 205 may be connected to the wired network or a wireless network. Connect a predetermined communication channel with the client terminal based on a defined protocol stack, and provide a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal. can do.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 205 connects a communication channel with the client terminal based on the TCP / IP protocol. By using the HTPP protocol defined in the browser program, a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) or a communication interface for transmitting and receiving information may be provided.

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the information registration server 200, the interface unit 205 communicates with the client terminal based on the TCP / IP protocol. A channel may be connected and a communication interface for transmitting and receiving information (or data) may be provided using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the information registration terminal is a financial automation device connected to a predetermined financial network, the interface unit 205 may be configured to perform the operation with the financial automation device based on the protocol stack defined in the financial network. A communication interface may be provided for connecting at least one communication channel and transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the automated teller machine.

According to another exemplary embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface unit 205 is based on a protocol stack defined in the wireless network. A communication interface may be provided for connecting at least one communication channel with the client terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) or ME (Mobile Explorer) protocol is provided in the client terminal, the interface unit 205 connects a communication channel with the client terminal based on the CDMA protocol. In addition, a WAP / ME protocol defined in the browser program may provide a web page (eg, a WML (Wireless Markup Language) compatible web page or an HTML compatible web page) or a communication interface for transmitting and receiving information.

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip-based banking program) provided by the information registration server 200, the interface unit 205 may be connected with the client terminal based on the CDMA protocol. The communication channel may be connected and a communication interface for transmitting and receiving information (or data) may be provided using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface unit 205 is a voice call defined in the wired telephone network or a wireless telephone network. The communication terminal may connect a communication terminal (not shown) with a predetermined communication path based on a protocol, and provide a communication interface for transmitting and receiving the information (or data) based on the voice call.

For example, the interface unit 205 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, or provides a communication interface for transmitting and receiving information based on voice recognition. .

According to another embodiment of the present invention, when the information registration terminal is a wired terminal (or two-way digital TV) connected to the TV banking system, the interface unit 205 is based on a protocol stack defined in the TV banking system. Connects a predetermined communication channel with the wired terminal (or bidirectional digital TV), and transmits and receives at least one information (or data) using a communication protocol defined in a communication program included in the wired terminal (or bidirectional digital TV). It can provide a communication interface for.

Referring to FIG. 2, when the predetermined information registration terminal accesses the information registration server 200 through the interface unit 205, the information registration server 200 interworks with the interface unit 205 for the information. An interface providing unit 210 for generating (or extracting) a predetermined user interface for inputting (or selecting) predetermined card remaining limit provision application information from the registration terminal and providing the same to the information registration terminal; An information receiving unit 215 for receiving predetermined card remaining limit providing information inputted (or selected) and transmitted from the information registration terminal through the user interface in association with 205 and the received card remaining limit providing application; Validation unit 220 for verifying the validity of the information, and the received card remaining limit provision application information and the customer card information to process the connection And an information storage section 225 to store in a storage medium 130 is characterized in that formed.

The interface providing unit 210 provides the remaining limit of the card corresponding to a functional configuration provided in the information registration terminal when a predetermined information registration terminal is connected to the information registration server 200 through the interface unit 205. Generate a predetermined user interface that can input (or select) application information and transmit it to the information registration server 200 through the network means, or extract from a predetermined database (not shown), and extract the interface unit ( In operation 205, the generated (or extracted) user interface may be provided to the information registration terminal through the network means.

Thereafter, the information registration terminal inputs (or selects) card remaining limit providing application information including at least one of the customer information and customer card information based on the user interface, and the entered (or selected) remaining card limit. The offer application information is transmitted to the information registration server 200 through the network means.

According to an embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal or a wireless terminal connected to a predetermined wired network or a wireless network, the interface providing unit 210 is provided in the client terminal. A predetermined user interface that can be provided as a browser program or a communication program can be generated (or extracted), and the generated (or extracted) user interface can be provided to the client terminal through the interface unit 205.

According to another exemplary embodiment of the present invention, when the information registration terminal is a financial automation device connected to a predetermined financial network, the interface providing unit 210 may provide a financial transaction related program provided in the financial automation device. The user interface may be generated (or extracted), and the generated (or extracted) user interface may be provided to the financial automatic device through the interface unit 205.

According to another embodiment of the present invention, if the information registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface providing unit 210 is a browser program or communication provided in the client terminal A predetermined user interface that can be provided by a program may be generated (or extracted), and the generated (or extracted) user interface may be provided to the client terminal through the interface unit 205.

According to another exemplary embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connected to a wired or wireless telephone network, the interface providing unit 210 may be provided to the call terminal (not shown). A user interface may be generated (or extracted) and the generated (or extracted) user interface (eg, ARS based user interface) may be provided to the call terminal (not shown) through the interface unit 205. have.

According to another exemplary embodiment of the present invention, when the information registration terminal is a wired terminal (or two-way digital TV) connected to the TV banking system, the interface providing unit 210 is connected to the wired terminal (or two-way digital TV). A predetermined user interface that can be provided may be generated (or extracted) and the generated (or extracted) user interface may be provided to the wired terminal (or an interactive digital TV) through the interface unit 205.

When the information receiving unit 215 inputs (or selects) card remaining limit provision application information including at least one of customer information and customer card information through the user interface through the user interface, and transmits the information through the network means, And the card remaining limit providing application information in connection with the interface unit 205, and provides the received card remaining limit providing application information to the validity checking unit 220.

Here, the card remaining limit providing application information, the remaining limit providing target card information, the remaining limit providing consent information, the remaining limit providing time information, the remaining limit providing terminal information (eg, payment terminal, ATM, wireless terminal 235, etc.) And at least one of the remaining limit providing number information and the remaining limit providing region (location) information.

The validity confirming unit 220 is characterized in that to confirm the validity of the card remaining limit provision application information received from the information registration terminal.

According to the method of the present invention, the validity check of the card remaining limit providing application information, the remaining limit providing card included in the card remaining limit providing application information in the ledger D / B on the financial system associated with the information registration system Is a valid card (eg, expiration card, or overdue card, etc.).

In addition, it is characterized in that whether the customer providing the card remaining limit providing application information and the remaining limit providing card customers match.

When the validity of the card remaining limit providing application information is confirmed, the information storage unit 225 stores the card remaining limit providing application information and the card information in association with the storage medium 130. When the storage medium 130 is provided in the information registration server 200 or on the network associated with the information registration server 200, the information storage unit 225 may be configured to store the received card remaining limit. It is preferable to store the application information and the card information linked to the storage medium 130, the storage medium 130, when the storage medium 130 is provided in the DBMS provided on the financial system, the information storage unit 225 The received card remaining limit provision application information and the customer card information may be provided to the information system through the external system on the financial system to store in the DBMS provided on the financial system.

3 is a diagram illustrating a process of registering card residual limit provision application information for providing residual limit information when paying for a customer card according to an exemplary embodiment of the present invention.

In more detail, FIG. 3 shows a case where the information registration server 200 on the information registration system shown in FIG. 2 has a web server function to which a client terminal can be connected through a predetermined network means. After connecting to the information registration server 200 and connecting the communication channel for information registration according to the present invention, the card remaining limit including the customer information and customer card information to the information registration server 200 through the communication channel As the transmission request information is transmitted, the information registration server 200 relates to the implementation method for storing the received card remaining limit provision application information and the customer card information in a predetermined storage medium 130, Those skilled in the art to which the present invention pertains may refer to or modify this drawing, and the information may be provided at the client terminal. Various implementation methods for registering the card remaining limit provision application information with the registration server 200 may be inferred, but the present invention includes all the implementation methods inferred and is not limited to the implementation method shown in FIG. No.

Hereinafter, in FIG. 3, the client terminal shown in FIG. 2 will be referred to as "terminal" for convenience, and the information registration server 200 shown in FIG. 2 will be referred to as "server" for convenience.

Referring to FIG. 3, when the client terminal illustrated in FIG. 2 is a predetermined network means (eg, the client terminal is a wired terminal 230, a TCP / IP based wired communication network, the client terminal is a wireless terminal 235). Is connected to the server through a CDMA based mobile communication network, and / or an IEEE 802.16x based portable Internet, etc., and connects a predetermined communication channel for registering the card remaining limit provision application information, and through the customer card. When the payment request is requested to register the card remaining limit provision application information for receiving the remaining limit information of the customer card (300), the server corresponds to a predetermined information registration interface for registering the card remaining limit provision application information. Generating (or extracting) a web page (305), and transmitting the generated (or extracted) web page to the terminal through the communication channel The output (310).

According to an exemplary embodiment of the present invention, the information registration interface may include the remaining limit providing target card information, remaining limit providing consent information, remaining limit providing time information, and remaining limit providing terminal information (eg, payment terminal, ATM, wireless). Terminal 235, etc.), the remaining limit providing frequency information, and the remaining limit providing region (location) information, the card may include a user interface for inputting (or selecting) the remaining limit providing application information. .

In addition, the web page transmission or output process is preferably performed at least one or more times according to the card remaining limit provision application information registration procedure, whereby the present invention is not limited.

Thereafter, the terminal provides the remaining limit providing target card information, remaining limit providing consent information, remaining limit providing time information, and remaining limit providing terminal information (eg, payment terminal, ATM, wireless terminal 235, etc.) through the information registration interface. Card residual limit provision application information including at least one of remaining limit provision count information and residual limit provision area (location) information is input (or selected) (315).

If the terminal provides the remaining limit providing target card information, remaining limit providing agreement information, remaining limit providing time information, and remaining limit providing terminal information (eg, payment terminal, ATM, wireless terminal 235, etc.) through the information registration interface. When the card remaining limit providing application information including at least one of the remaining limit providing number information and the remaining limit providing region (location) information is input (or selected) (320), the terminal receives the input through the communication channel ( Or selected) remaining limit providing target card information, remaining limit providing agreement information, remaining limit providing time information, remaining limit providing terminal information (eg, payment terminal, ATM, wireless terminal 235, etc.), remaining limit providing number information, Card remaining limit providing application information including at least one or more of the remaining limit providing region (location) information is transmitted to the server (325).

According to an embodiment of the present invention, the remaining limit providing target card information, the remaining limit providing consent information, the remaining limit providing time information, and the remaining limit providing terminal information inputted through the communication channel (eg, a payment terminal, ATM, wireless terminal 235, etc.), the remaining limit providing number information, and the remaining limit providing application information including at least one of the remaining limit providing region (location) information to the server, the information registration interface The method may further include transmitting the card remaining limit providing application information input (or selected) through the security module provided in the terminal to the server by electronic signature or encryption.

Thereafter, the server provides the remaining limit providing target card information, remaining limit providing agreement information, remaining limit providing time information, and remaining limit providing terminal information (eg, payment terminal, ATM, wireless terminal 235, etc.) through the communication channel. Receiving and reading the card remaining limit providing application information including at least one of the remaining limit providing number information and the remaining limit providing region (location) information to check the validity of the card remaining limit providing application information (330).

According to the method of the present invention, checking the validity of the card remaining limit provision application information is, if the card remaining limit provision application information is electronically signed or encrypted through the security module provided in the terminal, the card remaining And decrypting the limit providing application information or decoding the card remaining limit providing application information.

According to the method of the present invention, the validity check of the card remaining limit providing application information, the remaining limit providing card included in the card remaining limit providing application information in the ledger D / B on the financial system associated with the information registration system Is a valid card (eg, expiration card, or overdue card, etc.).

In addition, the validity check on the card remaining limit providing application information is characterized by checking whether the customer providing the card remaining limit providing application information matches the remaining limit providing card customer.

If the validity of the card remaining limit provision application information is not authenticated (335), the server generates a web page including predetermined information registration error information and transmits it to the terminal (340), and provides the card remaining limit. Do not perform the information registration procedure corresponding to the application information.

On the other hand, if the validity of the card remaining limit providing application information is authenticated (335), the server performs the information registration procedure corresponding to the card remaining limit providing application information, the card remaining limit providing application information and the customer card information In step 345, the associated processing is performed in a predetermined storage medium 130.

Thereafter, the server generates a web page including predetermined information registration history information and transmits the web page to the terminal (350), thereby completing the procedure of registering the card remaining limit provision application information transmitted from the terminal.

4 is a diagram showing the configuration of a card limit information providing system according to an embodiment of the present invention.

In more detail, Figure 4 reads the customer card information included in the payment approval request message transmitted through the VAN from the merchant payment terminal 440, and confirms the card usage limit information corresponding to the read customer card information, When the payment approval response message corresponding to the payment approval request message is transmitted to the merchant payment terminal 440 including the customer card usage limit information, the payment terminal 440 sales information is transmitted from the payment terminal 440. Card limit information providing system configuration to print and print on the slip (or receipt), if the person of ordinary skill in the art to which the present invention belongs, refer to or modify this figure 4 used by the customer Various implementation methods for a system for providing customer card usage limit information corresponding to a card may be inferred. It is made, including any exemplary method inferred group, is not limited that the technical features of only the exemplary method shown in the figure 4.

In Figure 4, for more effective description of the present invention, the professional receiving means 105, professional reading means 110, limit checking means 115, payment processing means 120, information providing means shown in FIG. 125 will be described as a functional component that performs each function in one server 400.

According to an exemplary embodiment of the present invention, the illustrated server 400 may be provided on a payment network or on a VAN.

In addition, according to another exemplary embodiment of the present invention, at least one or more functional components provided in the server 400 may be provided on the payment network or on the VAN.

Referring to FIG. 4, the illustrated card limit information providing system receives a payment terminal 440 that performs online / offline payment processing using a customer card, and a full payment approval request message transmitted from the payment terminal 440. Read the payment approval request message, check card information and payment amount information included in the payment approval request message, check the card limit corresponding to the card information, and perform payment processing on the payment amount; And a server 400 including the remaining limit information of the card in the full payment approval response message including the payment processing details and transmitting the received payment information to the payment terminal 440.

The payment terminal 440 is characterized in that it comprises at least one or more CAT (Credit Authorization Terminal), POS (Point Of Sales) terminal, or automated teller machine that processes offline payments using the customer card. The payment terminal 440 connects the server 400 to a predetermined payment network through a value added network (VAN).

According to an exemplary embodiment of the present invention, the payment terminal 440 reads predetermined card information (eg, a customer card number) from the customer card through a predetermined card reader in an offline payment process, and inputs a predetermined key. Input a predetermined payment amount through the device (or confirm the payment amount through a barcode reader (or RFID reader)), generate a payment approval request message including the customer card information and the payment amount, and generate the full payment authorization request server through the VAN. It is desirable to send to 400.

Those skilled in the art to which the present invention pertains, because they will be familiar with the detailed technical features of the payment terminal 440 and VAN for processing offline payments using the customer card, detailed description thereof Omit for convenience.

In addition, the payment terminal 440 is connected to a web server 400 such as a shopping mall server 400 or a content server 400 through a predetermined wired or wireless communication network, from the web server 400 And at least one wired terminal or a wireless terminal for processing an online payment using the customer card based on the provided payment information. The payment terminal 440 may include a predetermined online payment protocol (eg , A secure payment protocol, or a secure click protocol, etc.) to connect the server 400 with a predetermined payment network through a communication network.

According to an exemplary embodiment of the present invention, the payment terminal 440 reads predetermined customer card information (eg, a card number, etc.) from the customer card through a predetermined card reader in the online payment process, and the shopping mall server Receive payment information including payment amount to be processed through the customer card from the web server 400, such as 400 and the content server 400, payment to be processed through the customer card information and the customer card It is preferable to generate a payment approval request message including an amount of money and transmit it to the server 400 according to the online payment protocol.

Those skilled in the art to which the present invention pertains include detailed technical features of the payment terminal 440 for processing the online payment using the customer card and the details of the online payment protocol for the online payment. Since it will be familiar with the technical features, a detailed description thereof will be omitted for convenience.

Referring to FIG. 4 according to an embodiment of the present invention, the server 400 includes customer card information and a payment amount from the payment terminal 440 through the VAN (or a communication network supporting an online payment protocol). When the payment approval request message is received through the specialized receiving unit 405 and the professional receiving unit 405, which receives the payment approval request message, the received payment approval request message is read and included in the payment approval request message. Full-text reader 410 for confirming the customer card information and payment amount information, and a limit check unit for confirming the card limit information corresponding to the confirmed customer card information in connection with the predetermined storage medium 130 415, and with reference to the confirmed card limit information, it is determined whether the payment amount can be processed, and if the payment amount is possible, And a payment processing unit 425 for performing payment processing and an information providing unit for generating a payment approval response message including the payment processing history and the remaining limit information of the card and transmitting the generated payment approval response message to the payment terminal 440. It is done.

The professional receiving unit 405 is a payment terminal 440 that supports offline payment through the VAN customer card information (eg, customer card number, etc.) corresponding to the customer card and payment to be processed through the customer card. Characterized in that it receives the full payment approval request containing the amount.

Alternatively, the expert receiving unit 405 may be configured to receive customer card information (eg, customer card number, etc.) corresponding to the customer card from the payment terminal 440 according to the online payment protocol through a communication network supporting the online payment protocol. Characterized in that for receiving the full payment approval request including the payment amount to be processed through the customer card.

When a payment approval request message including the customer card information (eg, a card number) and payment information is received through the message receiving unit 405, the message reading unit 410 reads the received payment approval request message. Then, the customer card information (for example, card number, etc.) and payment information included in the full payment approval request characterized in that the check.

The full text reader 410 transmits the confirmed customer card information to the limit checker 415 and delivers the payment information including the confirmed payment amount to the payment processor 425.

When the customer card information is transmitted from the specialized reader 410, the limit checking unit 415 checks the card usage limit information corresponding to the customer card information in association with the storage medium 130. The confirmed card usage limit information is transmitted to the payment processing unit 425 and the information transmitting unit 420.

According to another exemplary embodiment of the present invention, the limit checking unit 415 further checks the cash service limit information of the card, and checks the checked cash service limit information of the payment processing unit 425 and the information transmitting unit 420. Can be delivered to.

The payment processing unit 425, when the payment amount information is transmitted through the specialized reader 410, and the utilization information of the card is transmitted through the limit checker 415, the payment processing for the payment amount It is characterized in that it is possible, if the determination result, if the payment processing for the payment amount is possible, the payment processing for the payment amount is performed, and the payment processing performance details are transmitted to the information transmitting unit 420. do.

On the other hand, if payment processing for the payment amount is not possible (for example, exceeding the credit card limit or overdue card, etc.), the payment processing unit 425 transfers the payment processing details to the information transmitting unit 420. do.

When the utilization information about the card is transmitted through the limit checker 415 and the details of the payment processing are transmitted through the payment processor 425, the information transmitter 420 performs the payment processing. A payment approval response message including a description and information on the card usage (for example, the card usage after deducting the payment amount, if the payment processing is successfully performed), and a payment terminal for the configured payment approval response message And transmits to 440.

According to another exemplary embodiment of the present invention, the information transmitter 420 transmits the payment approval response message and the card utilization information to the payment terminal 440 without the process of including the card utilization information in the payment approval response message. ) Can be sent.

In addition, according to the embodiment of the present invention, the information transmission unit 420, the utilization information for the card is transmitted through the limit check unit 415, the payment processing unit 425 through the payment processing When the performance details are delivered, the payment approval response message may be configured by constructing a payment approval response message including the payment processing performance details and the card usage (for example, when the payment processing is successfully performed, the payment processing performance details). To the payment terminal 440, and also confirms customer information corresponding to the card information, extracts customer wireless terminal number information from the confirmed customer information, and uses the card as the extracted customer wireless terminal. It characterized in that for transmitting.

Here, the card utilization may be transmitted to the customer wireless terminal in the form of a predetermined text message (or multimedia message).

According to an embodiment of the present invention, if the payment terminal 440 is a payment terminal 440 supporting offline payment, the information transmitter 420 may generate a payment approval response message that may be transmitted through the VAN. It is preferable to transmit to the payment terminal 440 through the VAN.

According to another embodiment of the present invention, if the payment terminal 440 is a payment terminal 440 that supports online payment payment, the information transmitter 420 generates a payment approval message corresponding to the online payment protocol. It is preferable to transmit to the payment terminal 440 through the communication network.

According to an exemplary embodiment of the present invention, the information transmitting unit 420 checks the customer information corresponding to the card information, and the customer is present in the customer information through the information registration system shown in FIG. In accordance with the payment processing through the customer card, characterized in that for confirming whether the customer registered the card remaining limit provision application information for receiving the remaining limit information of the customer card.

For example, when the customer processes the payment through the customer card according to the present invention through the information registration system shown in FIG. 2, the card remaining limit providing application information for receiving the remaining limit information of the customer card is provided. If the customer is a registered customer, the information transmitter 420 transmits the card usage to the payment terminal 440 or the customer wireless terminal as described above, and if the customer does not register the card remaining limit provision application information, The process of transmitting card utilization information according to the present invention is stopped.

5 is a diagram illustrating a functional configuration of a payment terminal 440 for outputting the remaining limit information of the customer card in the payment processing through the customer card according to the embodiment of the present invention.

In more detail, Figure 5 transmits the full payment approval request including the customer card information and payment amount information to the server 400 shown in Figure 4 through the VAN, when the payment process through the customer card, the server When the payment approval response message including the card utilization information of the customer is received from 400, confirming the customer card utilization information included in the received payment approval response message, the confirmed customer card utilization information The payment terminal 440 is configured to print and print a predetermined sales slip (or receipt), and a person having ordinary knowledge in the technical field to which the present invention pertains refers to or transforms the customer card with reference to FIG. It will be possible to infer various implementation methods for the configuration of the payment terminal 440 function by printing the utilization information to a predetermined sales slip (or receipt). The present invention includes all implementation methods inferred above, and the technical features are not limited only to the implementation method illustrated in FIG. 5.

For example, a person having ordinary skill in the art to which the present invention pertains may refer to or modify this drawing 5, and refer to a Credit Authorization Terminal (CAT), Point of Sale (POS) terminal, or at least one wire. Infer a method of applying the functional configuration of the payment terminal 440 shown in FIG. 5 to a terminal or a wireless terminal, a payment call terminal equipped with a card reader, or a payment home appliance terminal equipped with a card reader. As will be appreciated, the functional configuration of the payment terminal 440 shown in FIG. 5 is not limited to a specific terminal device.

Referring to FIG. 5, the payment terminal 440 which prints the customer card utilization information on a predetermined sales slip (or receipt) is basically a control unit 505, a memory unit 545, and a card interface 500. And a power supply unit 520 for supplying power to the key input unit 515, the screen output unit 510, the communication unit 525, the security application module 530, the print output unit 535, and the payment terminal 440. Characterized in that made.

The control unit 505 controls the overall operation of the payment terminal 440 in the functional configuration, manages the flow of information or data between each component, and prints the customer card utilization information to a predetermined sales slip (or receipt) It characterized in that the control component provided in the payment terminal 440 to output, and at least one processor and execution memory (for example including a Central Processing Unit (CPU) / Micro Processing Unit (MPU) in hardware) And a bus for inputting and outputting predetermined data such as a register or a random access memory (RAM), and a predetermined recording medium for performing a function specific to the payment terminal 440 by software. A program routine or program data loaded from the memory into the execution memory and computed by the processor. (Hence, a predetermined program or customer card utilization information recorded on a recording medium provided in the payment terminal 440 for printing and outputting customer card utilization information in a predetermined sales slip (or receipt). In the functional configuration provided in the payment terminal 440 to print out the sales slip (or receipt), a component capable of being processed by software is shown in the controller 505). .

In particular, the control unit 505 is an operating system routine stored in a predetermined memory unit 545 to control and manage the overall operation of the payment terminal 440 after the payment terminal 440 is booted by software, System management routines, or system variables, are loaded into the execution memory and computed by the processor to serve as variables for providing an operating system, system management program, or electronic payment service.

The memory unit 545 may input / output information when an operation by a predetermined program routine (or code) or program data (eg, a program routine (or code)) for controlling the overall operation of the payment terminal 440 is performed. General term of non-volatile memory for storing data, and includes at least one storage means including hardware electrically erasable and programmable read only memory (EEPROM) and / or flash memory (FM) or hard disk drive (HDD). And a predetermined program routine required for the control unit 505 to perform a predetermined control function and program data (for example, data input or output for the program routine to perform a predetermined function). It is characterized by.

The card interface 500 is characterized by providing an interface for reading at least one or more information or data provided in the customer card, based on the ISO / IEC 7810 standard MS (Magnetic Stripe) card and the payment terminal ( 440) an MS interface for providing an interface, and / or a contact IC card based on an ISO / IEC 7816 standard and a contact IC interface for providing an interface between the payment terminal 440, and / or an ISO / IEC 14443 standard. It comprises a contactless IC interface providing an interface between the contactless IC card and the payment terminal 440 based on.

The MS interface is a card interface 500 based on ISO / IEC 7810. The MS interface includes at least one magnetic head including a predetermined coil and includes predetermined information (eg, magnetized binary). When the MS card on which the data) is recorded moves in a predetermined direction in close contact with the magnetic head (or the magnetic head moves in close contact with an MS card in which predetermined information is recorded), a predetermined electrical signal is loaded into the magnetic head. It is characterized in that the predetermined information or data from the at least one track (Track) provided in the MS of the MS card to interface with the payment terminal 440.

The contact IC interface is a card interface 500 based on ISO / IEC 7816. The contact IC interface includes at least one contact point that makes electrical contact with a chip on board (COB) provided in a contact IC card. A terminal for supplying power to the IC chip of the IC card through the contact point, and payment information or data from the IC chip through the half duplex transaction using an APDU (Application Protocol Data Unit) And interfacing to 440.

The non-contact IC interface is a card interface 500 based on ISO / IEC 14443. The non-contact IC interface is a card interface 500. The non-contact IC interface uses at least one antenna to make electrical contact with the non-contact IC card by using capacitive coupling or inductive coupling. It is included, the power supply to the IC chip of the IC card through the antenna, and a predetermined information or data from the IC chip through the half-duplex transaction using the APDU payment terminal 440 It is characterized by interfacing to.

The key input unit 515 is a terminal operator from a predetermined key input means including a plurality of number keys (Character Key), a function key (Function Key), etc., which can enter a character or Characterized in that the user inputs the key data (Key Data) generated by clicking a predetermined key to the control unit 505, the control unit 505 reads the key data input through the key input unit 515 And a predetermined function or a predefined task corresponding to the key data in association with at least one component provided in the payment terminal 440.

According to the method of the present invention, the key input unit 515 preferably performs a function of a key input means for receiving predetermined payment amount information for payment processing through the customer card.

The screen output unit 510 outputs a predetermined function (eg, customer card utilization information by printing a predetermined sales slip (or receipt) or a screen (or signature pad) output processing function of the payment terminal 440. At least one or more information that is predefined or defined in real time to be output by a control unit 505 to a predetermined screen output means including a liquid crystal display (LCD) or a cathode ray tube (CRT), or Characterized in that the data is output through a predefined screen interface, the information or data predefined to be output on the screen from the payment terminal 440, the key data input through the key input unit 515, or Information (or data) stored or generated by the components included in the payment terminal 440, information transmitted and received through the communication unit 525 (and Data) or at least one or more data (or data) corresponding to a predetermined operation result performed by the payment terminal 440.

According to a preferred embodiment of the present invention, the screen output unit 510 may perform a function of the screen output means for outputting the customer card utilization information.

The communication unit 525 is a network in the process of the payment terminal 440 performs a predetermined function (for example, printing or screen output processing function by printing the customer card utilization information to a predetermined sales slip (or receipt)) Terminal (or device) connected to the terminal (or server 400) or the payment terminal 440 via a predetermined cable or a terminal (or device) connected to the payment terminal 440 through a predetermined short-range wireless communication And a predetermined communication means for connecting a communication session with a network communication unit 525 for connecting a predetermined communication channel with a server 400 on a wired or wireless network, or through a predetermined cable communication port. Cable communication unit 525 for connecting a communication session with a predetermined terminal (or device), or a predetermined short-range communication terminal (or device) through at least one or more short-range wireless communication means. ) Becomes done by including a device with a given short-range wireless communication unit (525 for connecting a communication session), it comprises a communication protocol or a driver for connecting the communication channel (or communication session) by software.

The network communication unit 525 is a predetermined wired or mobile communication network including a Value Added Network (VAN) or a financial common network or high-speed Internet (eg, ADSL / VDSL / Cable Network /.../ satellite communication). Or connecting a communication channel with a server 400 on a wired / wireless network through a predetermined wireless network including a wireless data communication network, and for hardwarely connecting the payment terminal 440 to a predetermined wired / wireless network. It includes a modem or a network interface card (NIC), and includes a communication protocol or a driver for connecting the payment terminal 440 to the wired or wireless network in software.

The cable communication unit 525 connects a communication session with a predetermined cable communication terminal (or device) through a predetermined cable communication (eg, RS-232c or Universal Serial Bus (USB)). It comprises a predetermined cable communication port to which the cable is connected, and comprises a communication protocol or driver for the cable communication in software.

When the cable communication terminal (or device) includes a predetermined barcode reader or a radio frequency identification (RFID) reader according to an embodiment of the present invention, the cable communication unit 525 is at least from the cable communication terminal (or device). One or more purchased product information and a payment amount corresponding to the purchased product may be input.

The short range wireless communication unit 525 may include at least one short range wireless communication means including infrared ray communication, radio frequency (RF) communication, Bluetooth, wireless LAN, and Wi-Fi. It is characterized in that for connecting a short-range wireless communication session with a predetermined short-range terminal (or device) through, a predetermined short-range for short-range wireless communication, including the infrared communication, RF communication, Bluetooth, WLAN, WiFi in hardware It comprises a wireless communication module, and comprises a communication protocol or driver for the short-range wireless communication in software.

According to an embodiment of the present invention, when the local area terminal (or device) includes a predetermined barcode reader or a radio frequency identification (RFID) reader, the local area wireless communication unit 525 is at least one from the local area terminal (or device). The purchase product information and the payment amount corresponding to the purchase product may be input.

The secure application module (530) is a confidentiality (Authentication) or authentication (Authentication) or integrity required in the process of the payment terminal 440 to perform the electronic payment or electronic payment using the card ( Security requirements, such as Integrity or Nonrepudiation, etc., to be performed in a secure and reliable structure within the payment terminal 440 without using the authentication server 400 (or payment server) on the network. A device, which encrypts or decrypts a predetermined message (information or data) processed by the payment terminal 440 performing a predetermined security request function (e.g., electronic payment or electronic payment function), and forgery of the message. (Or tamper proof), or the ability to store important information in the process of performing the security request function. And it characterized in that.

In general, the security application module 530 is preferably composed of a predetermined security application module 530 inserter and a security application module 530 chip, the security application module 530 chip is a chip containing at least 8-bit CPU Application Specific Integrated Circuit (ASIC) chips (eg, PLCC 44-pin chips) and / or IC chips (eg, IC cards in the form of subscriber identity modules (SIMs)) with performance of 2 MIPS (Million Instructions Per Second) or more. It is preferable to comprise a.

In addition, the security application module 530 is at least one or more security application data (eg, at least one identifier, version, expiration date, issue date, code value, etc.) required for the payment terminal 440 to perform a predetermined security request function ) Or key (e.g., one master key and at least one application key) or protocol (e.g., transaction protocol, re-transaction protocol, last transaction cancellation protocol, collection protocol, SAM issuance protocol, (e-money company / card company) registration protocol, Authorization protocol, mode switch protocol, key download protocol, SAM revocation protocol) or command (e.g., at least one read / authentication / transmission / registration / setting / mode switch / gather / delete / discard / initialize / reprocess / remove command) It is preferable to comprise a).

The print output unit 535 generates a process or a result of the payment terminal 440 performing a predetermined function (for example, a function of printing the customer card utilization information into a predetermined sales slip (or receipt)) or as a result thereof. And outputting predetermined information or data (for example, a card usage information or data) to a predetermined printing device 540 (for example, a receipt printing machine). And a printing protocol and a driver for printing data through the printing apparatus 540.

Referring to FIG. 5, a payment terminal 440 for printing and outputting customer card utilization information to a predetermined sales slip (or receipt) may be connected with the card interface 500 to retrieve card information (eg, from a customer card). And a card reader unit 550 for reading a card number, a professional generation unit 560 for generating a payment approval request message including the customer card information and the payment amount information, and the generated payment approval request message. It is characterized in that it comprises a specialized transmission unit 565 for transmitting to the server 400 (or payment server) through the network in conjunction with the communication unit 525 (network communication unit), in conjunction with the communication unit 525 When the payment approval response message corresponding to the payment approval request message is received from the server 400 through the payment network, the received payment approval response message is read, and the payment processing history and It is characterized in that it comprises a specialized processing unit 570 to check the customer card utilization information, and to output the confirmed payment processing history and card utilization through the print output unit.

If the customer card is a predetermined MS card, the card reader unit 550, when the customer card is recognized through the card interface 500 (for example, MS interface), the predetermined customer from the MS provided in the card It is characterized by reading the card information.

When the customer card is a predetermined IC card, the card reader unit 550 associates with the key input unit 515 when the customer card is recognized through the card interface 500 (eg, a contact IC interface). PIN (Personal Identification Number) based IC card validity authentication procedure (e.g., a predetermined PIN is input through the key input unit 515 and transmitted to the IC card through the card interface 500 to provide confidentiality of the IC card). (Confidentiality, Authentication, Integrity, and Nonrepudiation), and if the IC card is validated, predetermined customer card information from the IC chip included in the customer card. Characterized in that reading.

According to another exemplary embodiment of the present invention, the customer card information (for example, the card number, etc.) may be keyed through the key input unit 515, and the present invention is not limited thereto.

When predetermined customer card information is read through the card reader unit 550 and a predetermined payment amount is input through the key input unit 515, the full text generation unit 560 generates the customer card information and payment amount information. And generating a full payment approval request message including at least one specialized information (eg, a terminal unique code) stored in the memory unit 545.

When the payment approval request text is generated, the text transmission unit 565 connects the generated payment approval request text to the communication unit 525 (network communication unit) in connection with the communication unit 525 (network communication unit). Characterized in that the transmission to the server 400 (or payment server) through a network.

Thereafter, the specialized processing unit 570 checks whether a payment approval response message corresponding to the payment approval request message is received from the server 400 through the payment network in connection with the communication unit 525 (network communication unit). If a payment approval response message corresponding to the payment approval request message is received from the server 400 through the payment network, the screen output unit may display the payment processing history and card usage limit information included in the payment approval response message. It outputs through 510, or prints through the print output unit 535.

6 is a view showing an operation process of the payment terminal 440 according to an embodiment of the present invention.

In more detail, Figure 6 transmits the entire payment approval request including the customer card information and payment amount information to the server 400 shown in Figure 4 through the VAN, when the payment process through the customer card, the server When the payment approval response message including the card utilization information of the customer is received from 400, confirming the customer card utilization information included in the received payment approval response message, the confirmed customer card utilization information To a payment terminal (440) operation process to print the output to a predetermined sales slip (or receipt), if the person of ordinary skill in the art to which the present invention belongs, refer to or modify the present figure 6 the customer Various implementation methods for the process of printing the card utilization information by printing the predetermined sales slip (or receipt) can be inferred, but the present invention is Is made, including any exemplary method of estimation, to which the technical feature that is not limited to the exemplary method shown in the figure 6.

Referring to FIG. 6, the payment terminal 440 shown in FIG. 5 uses the customer card information through a predetermined card reader to receive the remaining limit information of the customer card during the payment processing through the customer card. For example, the card number, etc.) are read (600).

According to an embodiment of the present invention, when the customer card is a predetermined MS card, the payment terminal 440 is predetermined from the MS provided in the customer card when the customer card is recognized through a predetermined card reader. It is desirable to read customer card information (e.g., card number, etc.).

According to another embodiment of the present invention, when the customer card is a predetermined IC card, the payment terminal 440 is predetermined in the payment terminal 440 when the customer card is recognized through the card reader. A PIN (Personal Identification Number) based IC card validity authentication procedure in association with a key input means (for example, a predetermined PIN is input through the key input unit 515 and transmitted to the IC card through the card interface 500. Verifying the confidentiality, authentication, integrity, and nonrepudiation of the IC card, and if the IC card is validated, from the IC chip provided in the customer card. It is desirable to read predetermined customer card information (e.g., card number, etc.).

According to another exemplary embodiment of the present invention, the customer card information (or customer authentication information) may be keyed through a predetermined key input means provided in the payment terminal 440, and the present invention is not limited thereto. .

Thereafter, the terminal determines whether a payment amount to be processed for payment is input through the customer card in association with the key input unit (605).

According to the exemplary embodiment of the present invention, the payment terminal 440 preferably checks whether a predetermined customer payment means payment amount is input through a predetermined key input means.

Alternatively, the payment terminal 440 checks whether a payment amount for payment processing is input through the customer card through a predetermined key input means, and if the payment amount is input, payment processing is performed through the customer card among the payment amounts. Confirm the payment amount.

If the payment amount is confirmed (610), the payment terminal 440 is stored in the memory of the customer card information (or customer authentication information) and the customer payment method payment amount (or customer fee) and the payment terminal 440 In operation 615, a payment approval request message including at least one full text including information is generated.

If the payment approval request message is generated 620, the payment terminal 440 transmits the payment approval request message to the server 400 corresponding to the customer payment means through a predetermined payment network (625).

According to an embodiment of the present invention, when the payment terminal 440 processes an offline payment, the payment terminal 440 may read the full text of the payment approval request through a payment network including a value added network (VAN). It is preferable to transmit to the server 400 (or payment server) corresponding to the customer card.

According to another embodiment of the present invention, when the payment terminal 440 processes an online payment, the payment terminal 440 may be connected to a predetermined online payment protocol (for example, a secure payment protocol or a secure click protocol). The payment approval request message is transmitted to a server 400 (or a payment server) corresponding to the customer card through a payment network including a corresponding communication network.

Thereafter, the payment terminal 440 periodically checks whether a payment approval response message including payment processing details corresponding to the payment approval request message is received from the server 400 through the payment network (630).

If the payment approval message is received through the payment network (635), the payment terminal 440 checks whether the card usage information is included in the received payment approval response message (640), and if the payment approval response If the card includes the card utilization information (645), the payment terminal 440 outputs the card utilization information and payment processing details (e.g., payment approval details, or payment error details) through the screen output means. Or output through the predetermined printing apparatus 540 (650).

7A and 7B illustrate a process of providing card limit information according to an exemplary embodiment of the present invention.

In more detail, FIG. 7A shows the customer card information included in the full payment approval request message transmitted from a predetermined merchant payment terminal 440 through the VAN in the server 400 on the card limit information providing system shown in FIG. 4. Reads the card usage limit information corresponding to the read customer card information, and includes the customer card usage limit information in the payment approval response message corresponding to the payment approval request message; When the transmission, the payment terminal 440 is an implementation method for the card limit information providing process to print the transferred customer card usage limit information on the sales slip (or receipt), and Figure 7b is shown in FIG. In the illustrated card limit information providing system, the server 400 is included in the full payment approval request message transmitted from a predetermined merchant payment terminal 440 through the VAN. An embodiment of the present invention provides a method of reading customer card information, checking card usage limit information corresponding to the read customer card information, and transmitting the checked card usage limit information to the wireless terminal of the customer. Those skilled in the art can infer various implementation methods for providing the customer card usage limit information corresponding to the card used by the customer by referring to or modifying the drawings 7a and 7b. As will be appreciated, the present invention includes all implementation methods inferred from the above, and the technical features are not limited to the implementation methods shown in FIGS. 7A and 7B.

Referring to FIG. 7A, through the process of FIG. 6, a payment approval request message including card information and a payment amount is generated in the payment terminal 440 and transmitted to the server 400, and the card is transferred from the server 400. The full payment approval request message including the information and the payment amount is received (700a).

When the payment approval request text is received, the server 400 reads the received payment approval request text and checks card information and payment amount information from the payment approval request text (705a).

The server 400 checks the card utilization information associated with the checked card information from the storage medium 130 provided in the server 400 or interlocked with the server 400 (710a). With reference to the confirmed card utilization, it is determined whether payment processing of the payment amount is possible (715a).

If the payment amount exceeds the card usage, the payment processing of the payment amount is impossible (720a), the server 400 generates a payment processing impossible details (725a), the generated payment processing impossible details Compose a full payment approval response including a (730a).

On the other hand, if payment processing for the payment amount is possible (720a), the server 400 performs the payment processing for the payment amount, and generates the payment processing details for this (735a).

According to an exemplary embodiment of the present invention, the server 400 may check the customer information to determine whether the customer has requested to provide card usage limit information as shown in FIGS. 2 and 3 (740a). If the customer is not the card limit information providing application customer (745a), the server 400 constructs a payment approval response message including only the payment processing details (750a).

On the other hand, if the customer is a customer request for providing card usage limit information (745a), the server 400 deducts the payment amount when the payment processing history and card usage limit (eg, when the payment processing is successfully performed). The payment approval response message including the amount of one card) is configured as shown in FIG. 8 below (755a), and the configured payment approval response message is transmitted to the payment terminal 440 through the network (760a).

According to an embodiment of the present invention, if the payment terminal 440 is a payment terminal 440 that supports offline payment payment, the server 400 generates a payment approval response message that can be transmitted through the VAN to generate the VAN. It is preferable to transmit to the payment terminal 440 through.

According to another embodiment of the present invention, if the payment terminal 440 is a payment terminal 440 that supports online payment payment, the server 400 generates a payment approval message corresponding to the online payment protocol to generate the communication network. It is preferable to transmit to the payment terminal 440 through.

Referring to FIG. 7B, the payment approval request message including the card information and the payment amount is generated in the payment terminal 440 through the process of FIG. 6 and transmitted to the server 400, and the card from the server 400. In operation 700b, a payment approval request message including information and a payment amount is received.

When the payment approval request text is received, the server 400 reads the received payment approval request text and confirms card information and payment amount information from the payment approval request text (705b).

The server 400 checks the card utilization information associated with the checked card information from the storage medium 130 provided in the server 400 or interlocked with the server 400 (710b), With reference to the confirmed card utilization, it is determined whether payment processing of the payment amount is possible (715b).

If the payment amount exceeds the card usage, the payment processing of the payment amount is impossible (720b), the server 400 generates a payment processing impossible details (725b), the generated payment processing impossible details Compose a payment approval response message including a and transmits to the payment terminal 440 (730b).

On the other hand, if payment processing for the payment amount is possible (720b), the server 400 performs the payment processing for the payment amount, and generates a payment processing history for this (735b).

According to an exemplary embodiment of the present invention, the server 400 may check the customer information to determine whether the customer has requested to provide card usage limit information as shown in FIGS. 2 and 3 (740b). If the customer is not an application for providing the credit card limit information (745b), the server 400 constructs a payment approval response message including the payment processing details and transmits the complete message to the payment terminal 440 (765b). ).

On the other hand, if the customer is a card usage limit application request customer (745b), the server 400 is the card usage limit (for example, if the payment process is successfully performed, the card usage amount deducted the payment amount) Create a message including the message (750b), check the customer wireless terminal number corresponding to the customer information from the storage medium (130) (755b), and send a message including the card usage limit to the customer wireless terminal. 760b.

In addition, the server 400 configures a payment approval response message including the payment processing history and transmits the complete message to the payment terminal 440 through the network (765b).

8 is a diagram illustrating a payment approval response professional structure according to an embodiment of the present invention.

In more detail, FIG. 8 illustrates a VAN or payment through a predetermined payment network (eg, a Value Added Network (VAN)) at a predetermined payment terminal 440 including a credit authorization terminal (CAT). An example of an embodiment of a payment approval specialized structure including customer card usage limit information received from the server 400 to the payment terminal 440 after transmitting a payment approval request message to the server 400 on a network. As one of ordinary skill in the art to which the present invention pertains, the present invention may be inferred by referring to or modifying the drawing 8 to infer various implementation methods for the payment approval response specialized structure according to the intention to those skilled in the art. The present invention encompasses all the inferred implementation methods, and the payment approval structure shown in this drawing is not limited to that illustrated in this drawing.

Referring to FIG. 8, the payment approval full-text structure including the card utilization information includes at least one defined between a predetermined start character (STX (Start of TeXt), 0X02) and an end character (ETX (End of TeXt), 0X03). It may further comprise one or more pieces of specialized information and a checksum (CRC-CCITT) for the specialized information after the terminating character.

According to an embodiment of the present invention, the payment approval text including the card utilization information includes a plurality of approval result items, and each approval result item is classified through a predetermined file separator (0X1C). .

In addition, the payment approval message including the card utilization information is included in the predetermined payment approval request message transmitted from the payment terminal 440 device shown in FIG. 5 to the server 400 shown in FIG. Transaction classification items (e.g., credit approval request, credit approval cancellation, etc.) corresponding to credit card payments, Terminal_ID items for the payment terminal 440 device terminal information, and status value items (e.g., 'O': Normal credit card payment request authorization, 'X': credit card payment request declined, transaction date item, message 1 item, message 2 item, message 3 item, message 4 item, authorization number item (e.g. ', Credit approval number, or if the status value is' X', credit card payment refusal reason code), purchaser ID item, card company (bank) type name item, issuer ID item, full payment approval request Document serial number entries, a May be made, including point number entries, journal entries acquirer, annotation items, HELP DESK PHONE NO entry, PIN entry, and DATA Control_Flag item.

Those skilled in the art to which the present invention pertains will be able to clearly understand the details of each approval result item included in the full payment approval statement including the card utilization information with reference to FIG. 8. The detailed description thereof will be omitted.

According to an exemplary embodiment of the present invention, the card utilization information included in the payment approval message is provided in the server 400 in correspondence with the terminal_ID and / or merchant number of the payment approval message in the server 400. Or a card usage amount (amount) that is identified (or extracted) corresponding to the card number from the storage medium 130 interoperating with the server 400.

9 is a diagram of a sales slip printed with card usage limit information according to an exemplary embodiment of the present invention.

In more detail, FIG. 9 is an embodiment of a sales slip in which card usage limit information output from the payment terminal 440 shown in FIG. 5 is printed through the process of FIG. 8, and in the technical field to which the present invention pertains. Those skilled in the art will be able to infer various implementation methods for the sales slip printed with the card usage limit information according to the intention to those skilled in the art by referring to or modifying the present invention. The sales slip including the method of implementation and in which the card usage limit information shown in this drawing is printed is not limited to that illustrated in this drawing.

10 is a diagram illustrating a card limit information providing system configuration according to an embodiment of the present invention.

In more detail, FIG. 10 illustrates a cash service utilization (or card utilization) associated with the customer card information when a predetermined financial transaction (eg, cash service, etc.) using the customer card by the customer using ATM / CD. To confirm, and transmit the confirmed cash service usage (or card usage) information to the ATM / CD, and provide the card limit information to print and print on the transaction specification (or receipt) through the ATM / CD. As a system, one of ordinary skill in the art to which the present invention pertains may refer to or modify this drawing 10 to infer the system configuration for the card limit information providing system according to the present invention. Includes all the inferred implementation methods, and is not limited by the implementation method shown in FIG.

Referring to FIG. 10, the card limit information providing system is connected to an ATM / CD associated with a financial institution and the ATM / CD through a predetermined network (or financial network) to process a financial transaction using the customer's card. And, it may be configured to include a server 1000 to check the cash service usage (or card usage) of the customer card and transmit to the ATM / CD.

The ATM / CD may include at least one of a predetermined MS card reader and an IC card reader for a financial transaction (for example, cash service, etc.) based on a customer card. When a predetermined financial transaction request message including the card information read from the card is generated and transmitted to the server 1000, and the financial transaction response message corresponding to the financial transaction request message is received from the server 1000, Verifying the cash service usage (or card usage) of the customer card included in the received financial transaction response message, and checking the confirmed cash service usage (or card usage) on the transaction list (or receipt); Print it out by

Referring to FIG. 10, the server 1000 may be configured to process a predetermined financial transaction (eg, a cash service) based on at least one ATM / CD and a customer card through a predetermined network (or a financial network). An interface unit 1005 for connecting and managing a communication channel, an information receiving unit 1010 for receiving a financial transaction request message including the customer card information from the ATM / CD through the interface unit 1005, and the information; An information reading unit 1020 for reading the full financial transaction request message received through the receiving unit 1010 and confirming the customer card information and the financial transaction request amount information included in the full financial transaction request message, and a predetermined storage medium 130. Limit check unit 1025 for checking the cash service usage (or card usage) corresponding to the confirmed customer card information in connection with the, and the confirmed cash service usage (or card usage) A financial transaction unit 1030 for processing a requested financial transaction (e.g., a cash service), and a financial information including the financial transaction processing history and the remaining cash service utilization (or card utilization) information of the card. It is characterized in that it comprises an information transmission unit for generating a transaction response message to be transmitted to the ATM / CD through the interface unit 1005.

The interface unit 1005 connects at least one ATM / CD interworking with a financial institution and a predetermined communication channel for processing a customer card based financial transaction through a predetermined network (or financial network), and the communication channel. It is characterized by maintaining and managing.

The communication channel connected to and managed by at least one ATM / CD by the interface unit 1005 is a communication channel connected through a dedicated communication network between a financial system provided in the financial institution and at least one ATM / CD. According to one embodiment of the method, preferably comprising a transaction protocol for transmitting and receiving at least one or more telegrams corresponding to at least one or more financial transaction tasks defined between the ATM / CD and the server 1000, the transaction The protocol (or specialized structure corresponding to the transaction protocol) can be defined and used in various ways according to the financial transaction type of each financial institution and the platform characteristics of the financial system, and the transaction protocol (or transaction protocol) adopted by a specific financial system. By the specialized structure corresponding to the present invention) It is not limited.

According to another exemplary embodiment of the present invention, a transaction protocol (or a specialized structure corresponding to a transaction protocol) corresponding to the communication channel may provide an encryption full text transmission / reception function to provide more security. The present invention is not limited.

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

The information receiving unit 1010 receives a full message including at least one or more information corresponding to a predetermined financial transaction (eg cash service, etc.) from the ATM / CD through the interface unit 1005 The received telegram is transmitted to the information reader.

The information reading unit 1020 reads the received message based on the structure of the message when the received message is delivered through the information receiving unit 1010, and corresponds to each financial transaction task from the read message. It is characterized by extracting at least one or more information.

According to an embodiment of the present invention, the received telegram is in addition to at least one or more information corresponding to the financial transaction service, the financial terminal address information or the ATM / CD ID information and / or the ATM / CD corresponding to the ATM / CD. CD information and the like may be included.

According to another exemplary embodiment of the present invention, the information receiver 1010 may receive traffic data including at least one or more information corresponding to a predetermined financial transaction from the ATM / CD through the interface unit 1005. The information reading unit 1020 may read the header of the traffic data to extract at least one or more pieces of information corresponding to each financial transaction, and thus the present invention is not limited thereto.

According to an embodiment of the present invention, the information reading unit 1020, when the preamble is a cash service request-related preamble, characterized in that the customer card information and cash service request amount information from the preamble is characterized.

When the customer card information is transmitted from the information reading unit 1020, the limit checking unit 1025 is linked with the storage medium 130 to use a cash service usage amount corresponding to the customer card information (or using a card). FIG. 6), the information on the cash service usage (or card usage) is transmitted to the financial transaction unit 1030 and the information transmission unit 1015.

The financial transaction unit 1030, the cash service request amount information is transmitted through the information reading unit 1020, the cash service usage (or card utilization) information of the card through the limit check unit 1025 If is delivered, characterized in that it is determined whether the payment processing for the cash service amount requested from the customer is possible, if the determination is possible, the processing of the requested cash service amount, the approval for the requested cash service Then, the cash service approval processing history is transmitted to the information transmitting unit 1015.

The information transmitter 1015 receives cash service usage (or card usage) information for the card through the limit checker 1025, and approves the cash service through the financial transaction unit 1030. If the transaction is delivered, the cash service approval processing history and the card cash service usage (or card usage) (e.g., the remaining cash service after deducting the cash service amount if the cash service approval processing is successfully performed). A financial transaction response message including usage degree (or credit card usage) information is configured, and the configured financial transaction response message is transmitted to the ATM / CD through the interface unit 1005.

According to another exemplary embodiment of the present invention, the information transmitting unit 1015 does not include the credit card transaction service (or credit card usage) information in the financial transaction response message, the financial transaction response message and card cash Service utilization (or card usage) information may be transmitted to the ATM / CD through the interface unit 1005.

In addition, according to the embodiment of the present invention, the information transmission unit 1015, if the cash service approval processing history is transmitted through the financial transaction unit 1030, the financial transaction response including the cash service approval processing history Constructing a full text message to transmit the configured financial transaction response text message to the ATM / CD through the interface unit 1005, confirming customer information corresponding to the card information, and confirming customer wireless terminal number information from the confirmed customer information; Extracting and transmitting the card cash service usage (or card usage) to the extracted customer wireless terminal.

Here, the card cash service usage (or card usage) may be transmitted to the customer wireless terminal in the form of a predetermined text message (or multimedia message).

According to an exemplary embodiment of the present invention, the information transmitting unit 1015 checks the customer information corresponding to the card information, and the customer is present in the customer information through the information registration system shown in FIG. When the payment (or financial transaction) processing through the customer card, characterized in that the customer to register the card remaining limit provision application information for receiving the remaining limit information of the customer card.

For example, when the customer processes the payment through the customer card according to the present invention through the information registration system shown in FIG. 2, the card remaining limit providing application information for receiving the remaining limit information of the customer card is provided. If the customer is a registered customer, the information transmission unit 1015 transmits the card utilization to the ATM / CD or the customer wireless terminal as described above, and if the customer does not register the card remaining limit provision application information, the present invention. Stop the process of transmitting the card utilization information according to.

11 is a diagram showing the functional configuration of an ATM / CD 1100 for performing a cash service process using a customer card according to an embodiment of the present invention.

In more detail, FIG. 11 illustrates an ATM / CD 1100 provided at a predetermined financial institution (eg, a commercial bank branch) or a public place, and provides a cash service utilization rate of the customer card while performing a cash service requested by a customer. The functional configuration of the ATM / CD 1100 which prints (or the degree of use of a card) to a predetermined transaction statement (or receipt) is printed. If a person of ordinary skill in the art belongs to the present invention, Although various implementation methods for the ATM / CD 1100 may be inferred by referring to or modifying FIG. 11, the present invention includes all the implementation methods inferred above and is limited by the implementation method shown in FIG. Not.

Referring to FIG. 11, the ATM / CD 1100 recognizes an MS card and / or an IC card to obtain a predetermined information, and a card reader 1110 and each of the ATM / CD 1100 provided through the ATM / CD 1100. The ledger server 1000 through a screen output unit 1115 for outputting a processing screen to a financial transaction stage, a key input unit 1120 for receiving predetermined information according to each financial transaction stage, and a predetermined financial network 345. Communication unit 1130 and a memory unit 1155 for the ATM / CD 1100 to store at least one or more financial transaction processing information for the financial transaction processing, and predetermined financial transaction history information after the financial transaction. ), A cash payment unit 1140 for paying cash for each financial transaction (eg, a cash service, etc.), a power supply unit 1120 for supplying power to the ATM / CD 1100, and at least one terminal. Each of the functional components provided in the function unit 1135 and the ATM / CD 1100 It comprises a control unit 1105 that controls.

The control unit 1105 controls the overall operation of the ATM / CD 1100 in the functional configuration, manages the flow of information or data between each component, the cash service usage (or card usage) information according to the present invention Controlling at least one or more components provided in the ATM / CD 1100 for outputting; at least one processor including a central processing unit (CPU) / microprocessor unit (MPU) in hardware; It includes an execution memory (for example, a register) and a bus for inputting and outputting predetermined data and at least one or more electronic circuits (or integrated circuits) therefor, and performing software-specific functions. Is loaded into the execution memory from a predetermined recording medium provided in the ATM / CD 1100 and arithmetic processed by the processor. It comprises a predetermined program routine (Routine) and / or program data.

In particular, the control unit 1105 includes a predetermined operating system or terminal control program routine that manages the ATM / CD 1100 after the ATM / CD 1100 is booted in software.

11 illustrates at least one program component provided in the ATM / CD 1100 for financial transactions based on the ledger-based electronic bank account according to the present invention in the controller 1105 for convenience.

The card reader 1110 provides an interface between the card and the ATM / CD 1100 to read at least one or more information or data provided on the card for at least one or more financial transactions (eg, cash services, etc.). MS reader interface for interfacing MS (Magnetic Stripe) card based on ISO / IEC 7810 standard with ATM / CD 1100, or Contact IC (Integrated Circuit) based on ISO / IEC 7816 standard And a contact IC reader unit for interfacing the card with the ATM / CD 1100 or a contactless IC reader unit for interfacing the contactless IC card based on the ISO / IEC 14443 standard with the ATM / CD 1100. The IC reader unit or the contactless IC reader unit preferably corresponds to the IC card reader provided in the ATM / CD 1100.

The MS reader unit is a card reader unit 1110 based on ISO / IEC 7810, and includes at least one magnetic head including a predetermined coil, and includes predetermined information (eg, magnetized binary information). When the MS card recorded therein is in close contact with the magnetic head and moves in a predetermined direction (or the magnetic head moves in close contact with the MS card in which predetermined information is recorded), a predetermined electrical signal is loaded into the magnetic head. And interfacing predetermined information or data from the at least one track included in the MS of the MS card to the ATM / CD 1100 by using the customer card provided in the MS card. It is preferred to be used.

The contact IC reader unit is a card reader unit 1110 based on ISO / IEC 7816, and includes at least one contact point that makes electrical contact with a chip on board (COB) associated with a contact IC card. And supply power to the IC chip of the IC card through the contact point, and transfer predetermined information or data from the IC chip through the half duplex transaction using an APDU (Application Protocol Data Unit). Interface to / CD (1100).

The non-contact IC reader is a card reader 1110 based on ISO / IEC 14443. At least one antenna which makes an electrical contact with a non-contact IC card by using capacitive coupling or inductive coupling, etc. It comprises a, supplying power to the IC chip of the IC card through the antenna, and through the half-duplex (Half Duplex) type transaction using the APDU, predetermined information or data from the IC chip ATM / CD ( 1100).

The screen output unit 1115 is predefined to be output from the ATM / CD 1100 to a predetermined screen output means including a liquid crystal display (LCD) or a cathode ray tube (CRT) by the controller 1105 or At least one information or data that is defined in real time, and the information or data predefined to be output on the screen by the ATM / CD 1100 are key data and ATM inputted through the key input unit 1120. It includes information stored or generated by a component included in the / CD 1100, information transmitted / received through the communication unit 1130, and data corresponding to a predetermined operation result performed by the ATM / CD 1100. .

According to the exemplary embodiment of the present invention, the screen output unit 1115 preferably outputs a processing screen or an interface screen according to each financial transaction step using a customer card to a predetermined screen output device.

The key input unit 1120 is provided with at least one or more key buttons including at least one or more number keys and / or character keys and / or function keys. Detects information (or a signal) input from a key input device of a predetermined key and is provided to the key input device in a specific input mode and / or operation mode of the ATM / CD 1100 controlled by the controller 1105. When predetermined information (or signal) is inputted from the key button, a key event corresponding to the input information (or signal) is generated, and the generated key event is provided to the controller 1105. The controller 1105 obtains predetermined key data corresponding to the key event in the current input mode and / or operation mode of the ATM / CD 1100, and / or is defined to match the key event. Function of Characterized in that for obtaining a running instruction.

The key input unit 1120 and the key input device having at least one key button interoperate with each other to perform a function of key input means provided in the ATM / CD 1100.

According to an exemplary embodiment of the present invention, a key input device interworking with the key input unit 1120 may include a keypad device having at least one numeric key and a function key, or at least one numeric key and a letter key (eg, an English character). Key or Korean character key) and a function key, or at least one numeric key and a function key in conjunction with the screen output means, or at least one numeric key, a character key and a function key It is preferable to include at least one touch screen device.

According to the exemplary embodiment of the present invention, the key input unit 1120 preferably receives at least one or more information for each financial transaction step using a ledger-based electronic bank account according to the present invention from a predetermined key input device.

The communication unit 1130 provides communication means for performing a transaction function (for example, a transaction function interoperating with the ATM / CD 1100 and the external system of each financial system) provided in the ATM / CD 1100. Network communication unit or a predetermined cable communication port (for example, RS-232c, USB (Universal) to provide transactional communication with the server 1000 through a network (or financial network, or CD / ATM network) in hardware) Cable communication unit or Infrared Ray communication, RF (Radio Frequency) communication, Bluetooth (BlueTooth), Wireless LAN (Wi-Fi), Wi-Fi ), Including a local area communication unit that provides transaction communication with the local area communication device through at least one local area wireless communication including UWB (Ultra Wide Band system), Provided comprises a communication protocol and a communication application for the.

According to the exemplary embodiment of the present invention, the communication unit 1130 performs a predetermined financial transaction with the server 1000 via a network (or a financial network or an ATM / CD 1100 network, etc.) through the network communication unit. It is desirable to connect a communication channel for processing.

The memory unit 1155 is a storage medium 130 that stores at least one or more information or data required for the control unit 1105 to perform a predetermined control function, and is EEPROM (Electrically Erasable and Programmable Read Only Memory) in hardware. ), At least one storage means including a flash memory (FM) and a hard disk drive (HDD), and a predetermined program required by the controller 1105 to perform a predetermined control function in software. Routine and program data (e.g., data input or output for a program routine to perform a predetermined function).

According to the exemplary embodiment of the present invention, the memory unit 1155 may store at least one or more financial transaction processing information used by the ATM / CD 1100 to process a predetermined financial transaction, or the financial transaction. After the processing, it is preferable to store the financial transaction history information corresponding to the financial transaction.

The cash payment unit 1140 is a financial transaction result corresponding to a card read through the card reader unit 1110 from a predetermined financial system through the communication unit 1130, a predetermined cash payment instruction to the financial transaction customer ( Or a cash service approval result), the cash corresponding to the cash payment instruction (or cash service approval result) is provided in the ATM / CD 1100 with the cash (or cash requested by the financial transaction customer). Read out from the cash storage unit 1145, characterized in that paid to the customer through a predetermined cash discharge unit (1150).

The terminal function unit 1135 is a component provided in the ATM / CD 1100 in addition to the components shown in FIG. 11 or a component provided in the ATM / CD 1100 for a predetermined purpose or role. Representatively, it includes various additional function configurations according to the intention of those skilled in the art, such as a secure application module (SAM) for financial transaction support or a print output unit for printing a receipt or a biometric device for biometrics. .

Those skilled in the art to which the present invention pertains will easily understand each terminal function provided in accordance with the characteristics of the ATM / CD 1100, and thus a detailed description thereof will be omitted.

Referring to FIG. 11, an information reading unit 1160 that interlocks with the card reader 1110 to read card information from a customer card, and corresponds to a financial transaction (eg, a cash service) requested by the customer. Sending the generated financial transaction request telegram to the server 1000 on a network through the telecom generator 1165 and the communication unit 1130 for generating a telegram, and corresponding to the financial transaction request telegram from the server 1000. Receives the financial transaction response to the transaction, and prints the customer card cash service utilization (or card utilization) information included in the received financial transaction response to the transaction statement (or receipt) through the print output, or the Characterized in that it comprises a specialized processing unit 1180 to output through the screen output unit 1115.

The full text generation unit 1165 generates a predetermined financial transaction request full text including card information read from a customer card through the information reader 1160 and customer financial transaction information input through the key input unit. ,

The financial transaction request message may include, in addition to the customer card information, ATM / CD 1100 address information or ATM / CD 1100 ID information or the ATM / CD 1100 manager corresponding to the ATM / CD 1100. Or operator) information, and the like, wherein the ATM / CD 1100 address information, the ATM / CD 1100 ID information, or the ATM / CD 1100 manager (or operator) information may be included. It is desirable to extract from the financial transaction processing information stored in the memory unit 1155 of the ATM / CD 1100.

The specialized processing unit 1170 transmits the generated financial transaction request telegram to the server 1000 on the network through the communication unit 1130, and uses the customer card cash service from the server 1000. Wait for a financial transaction response message including (or credit card usage) to be received.

If the financial transaction response message including the credit card usage (or credit card usage) is received, the specialized processor 1170 may include at least one cash service usage degree included in the received financial transaction response message ( Or card usage) information, and prints the extracted cash service usage (or card usage) to the transaction statement (or receipt) through the print output unit.

12 is a diagram illustrating an operation of the ATM / CD 1100 according to an embodiment of the present invention.

In more detail, FIG. 12 shows the full cash service approval request including the customer card information through a network (or a financial network or an ATM / CD 1100 network) when the cash service request is made through the customer card. When the cash service approval response message is transmitted to the server 1000 and includes the cash service utilization information of the customer from the server 1000, the customer cash service included in the received cash service approval response message is used. The operation information of the ATM / CD 1100 which checks the information and prints the checked customer cash service utilization information on a predetermined transaction statement (or receipt) is output. If you have the knowledge of the present invention, by referring to or modifying the Figure 12, and prints the customer cash service utilization information to a predetermined transaction statement (or receipt) Various implementation methods for the process can be inferred, but the present invention includes all the implementation methods inferred above, the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 12, the ATM / CD 1100 illustrated in FIG. 11 may provide a predetermined amount of cash service utilization information of the customer card during a financial transaction (eg, a cash service) through the customer card. The customer card information (eg, a card number, etc.) is read through a card reader (1200).

According to an embodiment of the present invention, when the customer card is a predetermined MS card, the ATM / CD 1100 receives a predetermined number from the MS provided in the customer card when the customer card is recognized through a predetermined card reader. It is desirable to read customer card information (e.g., card number, etc.).

According to another embodiment of the present invention, when the customer card is a predetermined IC card, the ATM / CD 1100 is provided in the ATM / CD 1100 when the customer card is recognized through the card reader. A PIN (Personal Identification Number) based IC card validity authentication procedure in association with a predetermined key input means (e.g., a predetermined PIN is input through the key input unit and transmitted to the IC card through the card reader unit for the IC card). A process of verifying confidentiality, authentication, integrity, and nonrepudiation), and when the IC card is validated, a predetermined customer card from the IC chip included in the customer card. It is desirable to read information (e.g., card number, etc.).

According to another exemplary embodiment of the present invention, the customer card information (or customer authentication information) may be keyed through a predetermined key input means provided in the ATM / CD 1100, and the present invention is not limited thereto. No.

When the customer card information is read, the ATM / CD 1100 outputs a menu including a service item that can be provided through the ATM / CD 1100 through a screen output unit (1205).

Here, after the customer card information reading process, it is preferable to include a cardholder authentication process by inputting the password of the customer card.

Thereafter, when the customer selects the cash service menu (1210), the ATM / CD 1100 generates the full text of the cash service approval request (1215).

Here, the process of selecting a cash service menu by the customer includes selecting (or inputting) the amount of cash information to be received, and the cash service approval request message includes the card information.

When the full cash service approval request is generated 1220, the ATM / CD 1100 is transferred to a server 1000 shown in FIG. 10 through a predetermined network (or a financial network or an ATM / CD 1100 network). The full text of the cash service approval request is transmitted (1225).

Thereafter, the ATM / CD 1100 checks whether the cash service approval response message including the cash service processing details corresponding to the cash service approval request message is received from the server 1000 through the network (1230).

If the cash service approval response message is received through the network (1235), the ATM / CD 1100 checks whether the received cash service approval response message includes card cash service utilization information (1240). If the cash service approval response message includes the card cash service utilization information (1245), the ATM / CD 1100 may display the card cash service utilization information and the cash service processing history (for example, an approval history, or Error details) through the screen output means or through a predetermined printing apparatus (1250).

On the other hand, if the cash service approval response message does not include the card cash service utilization information (1245), the ATM / CD 1100 only processes the cash service processing details (eg, authorization details or error details). It outputs through the screen output means or through a predetermined printing apparatus (1255).

13A and 13B illustrate a process of providing card limit information according to an exemplary embodiment of the present invention.

More specifically, FIG. 13A illustrates a system for providing the card limit information shown in FIG. 10 through a network (or a financial network or an ATM / CD 1100 network) from a predetermined ATM / CD 1100 in the server 1000. Read the customer card information included in the transmitted cash service authorization request full text, check the cash service limit information corresponding to the read customer card information, and notify the cash service approval response full text corresponding to the cash service approval request full text. When the ATM / CD 1100 including the customer cash service limit information is transmitted to the ATM / CD 1100, the ATM / CD 1100 prints the transferred customer cash service limit information on the transaction statement (or receipt). FIG. 13B is a method for providing a limit information providing process, and FIG. 13B shows a network (also referred to as a predetermined number of ATM / CDs 1100 in the server 1000 on the card limit information providing system shown in FIG. Read the customer card information included in the full cash service approval request message transmitted through the financial network or the ATM / CD 1100 network, check the cash service limit information corresponding to the read customer card information, and An implementation method for transmitting a cash service limit information to a wireless terminal of the customer.

Those skilled in the art to which the present invention pertains, various methods of providing a customer cash service limit information corresponding to the card used by the customer by referring to or modifying the drawings 13a and 13b. It may be inferred, but the present invention includes all the inferred implementation methods, and the technical features are not limited only to the implementation methods shown in FIGS. 13A and 13B.

Referring to FIG. 13A, through the process of FIG. 12, the ATM / CD 1100 generates a cash service approval request message including card information, and transmits the complete cash service approval request to the server 1000 illustrated in FIG. 10. In step 1000, the full cash service approval request message including the card information is received (1300a).

When the cash service approval request message is received, the server 1000 reads the received cash service approval request message and checks card information and cash service request amount information from the cash service approval request message (1305a).

The server 1000 checks the card cash service limit information associated with the checked card information from the storage medium 130 provided in the server 1000 or interlocked with the server 1000 (1310a). In operation 1315a, it is determined whether the requested cash service processing is possible with reference to the confirmed cash service limit.

If the requested amount exceeds the card cash advance limit and the cash advance cannot be processed (1320a), the server 1000 generates a cash advance cannot be processed (1325a), and the generated cash advance is processed. A complete cash service authorization response message including a non-disclosure description is made (1330a).

On the other hand, if it is possible to process the cash service for the requested amount (1320a), the server 1000 performs the cash service processing, and generates a cash service processing history for this (1335a).

According to the exemplary embodiment of the present invention, the server 1000 may check the customer information to determine whether the customer has requested to provide card limit information as shown in FIGS. 2 and 3 (1340a). If the customer is not an application for providing the credit card limit information (1345a), the server 1000 configures a cash service approval response message including only the cash service processing details (1350a).

On the other hand, if the customer is a card limit information provision application customer (1345a), the server 1000 is the cash service processing history and cash service limit (for example, if the cash service processing is successfully performed, the cash A cash service approval response message including a cash amount of service deducted from the service amount) (1355a), and transmit the configured cash service approval response message to the ATM / CD 1100 through the network (1360a).

Referring to FIG. 13B, the ATM / CD 1100 generates a cash service approval request message including the card information and transmits it to the server 1000 through the process of FIG. 12, and the card information is transmitted from the server 1000. Receive the full cash service approval request including a 1300b.

When the cash service approval request message is received, the server 1000 reads the received cash service approval request message and checks card information and cash service request amount information from the cash service approval request message (1305b).

The server 1000 checks the card cash service limit information associated with the confirmed card information from the storage medium 130 provided in the server 1000 or interlocked with the server 1000 (1310b). In operation 1315b, it is determined whether the requested amount of cash service can be processed by referring to the confirmed card cash service limit.

If the requested amount exceeds the card cash advance limit and the cash advance cannot be processed (1320b), the server 1000 generates a cash advance cannot be processed (1325b), and generates the generated cash advance. A cash service authorization response message including a non-processing detail is configured and transmitted to the ATM / CD 1100 (1330b).

On the other hand, if it is possible to process the cash service for the amount (1320b), the server 1000 performs the cash service processing, and generates a cash service processing details for this (1335b).

According to an exemplary embodiment of the present invention, the server 1000 may check the customer information to determine whether the customer has requested to provide card usage limit information as shown in FIGS. 2 and 3 (1340b). ), If the customer is not the customer request for providing the credit card limit information (1345b), the server 1000 constructs a cash service approval response message including the cash service processing history and transmits the complete message to the ATM / CD 1100. (1365b).

On the other hand, if the customer is a card limit information provision application customer (1345b), the server 1000 deducts the cash service amount (for example, if the cash service processing is successfully performed) A message including a card cash service limit) (1350b), and a customer wireless terminal number corresponding to the customer information is confirmed from the storage medium 130 (1355b), and the message including the card usage limit is created. Send to the customer wireless terminal (1360b).

The server 1000 configures a cash service approval response message including the cash service processing details and transmits the complete cash service approval response message to the ATM / CD 1100 through a network (1365b).

Through the card limit information providing method and system according to the present invention, the customer has an advantage that the remaining limit (or cash service limit) of the card possessed by the user can be easily checked when the card is settled or when using the cash service.

In addition, the customer can check the remaining limit of the card (or cash service limit) from time to time, there is an advantage that can bring a large economic life.

Claims (1)

If a payment approval request message including the customer card information and the payment amount information is received from the terminal, and the payment is processed by comparing the card usage limit corresponding to the customer card information included in the payment approval request message and the payment amount, the card Limit checking means for confirming the remaining limit information of the customer card subtracting the payment amount from the usage limit; And Adding an information item corresponding to the remaining limit to a payment approval response message including a payment processing history corresponding to the payment processing, and processing the information item to be provided to the terminal by further including the checked remaining limit information; Card limit information providing system comprising a; information providing means.

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