KR20090104204A - System and Method for Preventing Illegal Using of Card with Function of Free Ride - Google Patents

Abstract

PURPOSE: A system and a method for preventing illegal use of a card with a free ride function are provided to increase a new card issuing rate about a specially treated old client to obtain clients and produce profits. CONSTITUTION: A system for preventing illegal use of a card with a free ride function comprises the following steps. A card issuing server(100) receives card loss information from a terminal. Card loss information includes client information. The server checks a card loss client is a person with a free ride function card by checking card issuance information corresponding to client information. If the client is the person with a free ride function card, the server provides and stores lost card information to a terminal using the card.

Description

System and Method for Preventing Illegal Using of Card with Function of Free Ride}

1 is a diagram illustrating a card issuing system for issuing a card with a free ride function according to an embodiment of the present invention.

2 is a diagram illustrating a card issuing process for issuing a card with a free ride function according to an embodiment of the present invention.

3 is a diagram illustrating a card issuing process for issuing a card with a free ride function according to another exemplary embodiment of the present invention.

4 is a diagram illustrating a card issuing system for issuing a card with a free ride function according to another exemplary embodiment of the present invention.

5 is a diagram illustrating a card issuing process for issuing a card with a free ride function according to an embodiment of the present invention.

6 is a diagram illustrating a card issuing process for issuing a card with a free ride function according to another exemplary embodiment of the present invention.

7 is a diagram illustrating a face-to-face lost information registration system for preventing unauthorized use of a card having a free ride function lost according to an exemplary embodiment of the present invention.

8 is a diagram illustrating a process of registering card loss information in a face-to-face manner according to an embodiment of the present invention.

9 is a diagram illustrating a non-face-to-face lost information registration system for preventing the illegal use of a card with a missing free ride function according to another exemplary embodiment of the present invention.

FIG. 10 is a diagram illustrating a process of registering card loss information in a non-face-to-face manner to prevent misuse of a card having a free ride function which is lost according to an exemplary embodiment of the present invention.

11A and 11B illustrate a process of registering card loss information in a non-face-to-face manner in order to prevent unauthorized use of a card having a free ride function which is lost according to another exemplary embodiment of the present invention.

<Description of main parts of drawing>

100: card issuing server 105: interface unit

110: interface providing unit 115: information receiving unit

120: validity authentication unit 125: information generation unit

130: card issuing unit 135: information storage unit

140: information D / B 145: card issuing device

700: information registration server 705: interface unit

710: interface providing unit 715: information receiving unit

720: validation unit 725: information storage unit

730: information providing unit 735: storage medium

The present invention comprises the steps of receiving card loss information including customer information (or card information) from the terminal at the server, and checking the card issuance information corresponding to the customer information at the server, the card loss customer has a free ride function Determining whether the card issuing customer; and if the customer is a card issuing customer having a free ride function, providing the lost card information to a card using terminal and storing the lost card information in a server. It is about.

In general, when using the subway, route preferential customers (for example, over 65 years old) present a predetermined route preferential card (or resident registration card) to the corresponding ticket counter of the subway and receive a free ticket.

However, when the subway ticket window is crowded, such as commuting time, route preferential customers had inconveniences because the waiting time for the free ticket was long.

In addition, in the case of a traffic card (for example, including all cards equipped with a traffic fare payment function), there is no free ride function for the preferential route customer. There was a problem to be paid.

An object of the present invention for solving the above problems, when received card loss information including customer information (or card information) from a predetermined terminal, by checking the card issuing information corresponding to the customer information, the card loss customer A server for determining whether the card issuing customer with a free ride function and the card issuing customer with a free ride function, and providing and storing the lost card information to a card using terminal; and lost card information transmitted from the server. To provide a free ride function card fraud prevention system including a card using a terminal for storing the.

In the method of preventing free use of a free ride function card according to the present invention, the method includes: receiving card loss information including customer information (or card information) from a terminal at a server, and checking card issuance information corresponding to the customer information at a server; Determining whether the lost customer card is a card issuing customer with a free ride function; and if the customer is a card issuing customer with a free ride function, providing the lost card information to a card using a terminal in a server and storing the card. It is characterized by comprising.

According to the present invention, the method of preventing the use of the free ride function card fraudulently comprises: generating lost card use stop information to be transmitted from the server to the customer wireless terminal when the unmanned ride function equipped card is an IC chip mounted on a customer wireless terminal. And transmitting the generated lost card use stop information from the server to the customer wireless terminal to remotely mount the lost card.

On the other hand, in the free ride function card fraud prevention system according to the present invention, when card loss information including customer information (or card information) is received from a predetermined terminal, by checking the card issuing information corresponding to the customer information, A server for determining whether the card lost customer is a card issuing customer with a free ride function, and if the customer is a card issuing customer with a free ride function, providing the lost card information to a card using terminal and storing the card; Characterized in that the card comprises a terminal for storing the lost card information.

On the other hand, according to the present invention, if the driverless ride function card is an IC chip mounted on the customer wireless terminal, the server generates the lost card use stop information to be transmitted to the customer wireless terminal, and the generated lost card use stop information Characterized in that the remote transmission by transmitting to the customer wireless 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 the configuration omitted as described above The relationship between the elements and the components added for the present invention will also be clearly understood.

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

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

1 is a diagram illustrating a card issuing system for issuing a card with a free ride function according to an exemplary embodiment of the present invention.

In more detail, Figure 1 shows that a predetermined customer provides issuance target card information and card issuance agreement information for issuing a card with a predetermined subway free ride function to a card issuance system through a predetermined card issuance interface. In the system configuration for issuing a card with a subway free ride function in the form of a predetermined MS (Magnetic Stripe) card or IC (Integrated Circuit) card to the customer based on the provided issuance target card information, card issuance agreement information As those skilled in the art to which the present invention pertains, various implementation methods for the card issuance system configuration for the card issue with the free ride function of the subway may be inferred by referring to or modifying the drawing 1. The present invention includes all implementation methods inferred from the above, and the implementation method illustrated in FIG. It shall not be limited.

Hereinafter, a card having a predetermined subway free ride function to the customer based on the issuance target card information and card issuance agreement information provided from the customer through a predetermined card issuing interface on the card issuing system shown in FIG. A component corresponding to at least one or more means or functional configurations for issuing the card is referred to as "card issuing server 100" for convenience.

Referring to FIG. 1 according to the embodiment of the present invention, the card issuing system for issuing the card with the free ride function of the subway includes at least one card issuing staff provided by at least one card issuing institution (or financial institution). Characterized in that it comprises a terminal, or if the card issuing system supports a non-face-to-face card issuance application, comprising a client terminal including at least one wired terminal or a wireless terminal used by the customer The employee terminal or the client terminal is connected to a communication channel with the card issuing server 100 provided on the card issuing system through a predetermined network means.

According to an exemplary embodiment of the present invention, the customer visits the card issuing institution (or financial institution) for issuing the card with the free ride function of the subway through a window provided at the card issuing institution (or financial institution) ( Or a card issuance application for a predetermined card issuance application (eg, at least one information item for issuing the card with the free ride function) (Or the card issuing staff visits the customer and asks the customer to fill out a predetermined card issuance application for issuing the card with the free ride function). Upon submission to the responsible staff member, the card issuing staff member will be contacted through the designated staff terminal. The information entered in the card issuance application is input (or selected), and the employee terminal transmits the input (or selected) information to the card issuance server 100 provided on the card issuance system through the network means. It is preferable.

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

In the card issuing system as described above, the card issuance application created by the customer, the employee terminal used by the card issuing staff and the financial network connecting the employee terminal and the card issuing server 100 is the customer Performs the function of the card issuing interface for registering the issuing target card information and card issuance agreement information for card issuance with free ride function of the subway.

According to another exemplary embodiment of the present invention, when the card issuing system supports a non-face-to-face card issuing application, the customer is at least one of a wired terminal connected to a predetermined wired communication network or a wireless terminal connected to a predetermined wireless communication network. Issuing target card information for the card issuance, card issuance for the card with the free ride on the subway through the at least one user interface provided by the card issuance server 100, the card issuance server 100 through the client terminal When entering (or selecting) consent information, the client terminal preferably transmits the card issuing server 100 provided on the card issuing system through a predetermined network means.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices connected to a TCP / IP based communication network, and a desktop computer or a notebook computer connected to the TCP / IP based communication network. ), 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 communication network is any terminal device connected to a mobile communication network based on CDMA (Code Division Multiple Access), or all terminal devices connected to a wireless communication network based on High Speed Downlink Packet Access (HSDPA), or IEEE 802.16x. A generic term for all terminal devices connected to a mobile Internet based on the Internet, or all terminal devices connected to a Motorola DataTAC method or an Erricson Mobitex method wireless data communication network, and a personal communication system (PCS) connected to the CDMA-based mobile communication network. Or Global System for Mobile communications (GSM) terminals or Personal Digital Cellular (PDC) or Personal Handyphone System (PHS) terminals or Personal Digital Assistants (PDAs) or smartphones (Smart Phones) or telematics (Telematics) or HSDPA (High Speed Downlink Packet Access) based wireless It comprises a wireless communication terminal connected to a trust, or the IEEE 802.16x based portable Internet connected to a portable subscriber terminal, or at least one of the DataTAC / Mobitex based wireless data communication terminal connected to a wireless data communication network and the like.

In addition, the client terminal outputs at least one or more user interfaces provided by the card issuing server 100, and inputs or selects at least one or more information through the user interface to transmit the card issuing server 100 to the card issuing server 100. 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 card issuing server 100, etc.) is provided.

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

In the card issuing system, a client terminal including at least one wired terminal or a wireless terminal used by the customer, and at least one wired communication network or a wireless communication network connecting the client terminal and the card issuing server 100. The customer performs the function of the card issuing interface for registering the card information, card issuance agreement information to be issued for the card with the free ride function of the subway.

According to another exemplary embodiment of the present invention, when the card issuing system supports a non-face-to-face card issuing application, the card issuing terminal is a predetermined financial network (eg, financial co-operation) in addition to the employee terminal or the client terminal. A financial automatic machine (not shown) including an automatic teller machine (ATM), a cash dispenser (CD) connected to the network), or a predetermined public switched telephone network. A predetermined call terminal (not shown) connected to a wired telephone network such as a network (PSTN) or a voice over IP (VoIP) network, or a predetermined call terminal connected to a wireless telephone network such as a mobile communication network or a wireless VoIP network. (Not shown) or a terminal (or book) provided in at least one or more institutions affiliated with the card issuer (or financial institution) Burr (not shown) may be further included, whereby the present invention is not limited.

In the case of supporting a non-face-to-face card issuance application as described above, when the card issuing terminal is the financial automatic device (not shown), the financial automated device (not shown) and the financial automated device (not shown) And a financial network connecting the card issuing server 100 to perform a function of a card issuing interface for the customer to register issuance target card information and card issuance agreement information for issuing the card with the free ride function of the subway, or If the card issuing terminal is the call terminal (not shown), the wired or wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the card issuing server 100 is the customer. Performs the function of the card issuing interface for registering the card information and card issuance agreement information for issuance of the card with the free ride function of the subway Or, if the card issuing terminal is a terminal (or server) (not shown) provided in an institution affiliated with the card issuing institution (or financial institution), the terminal (or server) (not shown) and the terminal ( Or a server) (not shown) and the card issuing network 100 connect the card issuing interface for registering the issuing target card information and card issuing consent information for the card issuing with the free ride function of the subway. Perform the function.

The card information D / B 140 provided on the card issuing system according to the present invention has a predetermined free ride function to the customer based on the issuance target card information and card issuance agreement information provided from the card issuing terminal. After issuing the provided card, characterized in that for storing the card issuance information according to the issuance of the card with the subway free ride function, the card issuance information stored in the card information D / B (140) card issuance It is used for issuing the card with the free ride function on the subway.

According to one embodiment of the invention, the card information D / B 140 is preferably provided in a DBMS on a predetermined financial system provided on the card issuing system (or associated with the card issuing system), At this time, the card information D / B 140 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 thereto. .

According to another exemplary embodiment of the present invention, the card information D / B 140 is an online payment system, or a WAP-based wireless payment system, or an IC chip-based wireless payment provided on (or associated with) the card issuing system. It is possible to be provided in a DBMS on at least one or more payment systems of the system or the tele payment system, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the card information D / B 140 is provided on (or associated with) the card issuing system, an internet banking system, a telebanking system, a wireless banking system, or a TV. It is possible to be provided in the DBMS on at least one banking system of the banking system, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the card information D / B 140 interoperates with a server (or device) that performs a predetermined information processing function using the card issuing information on the card issuing system. It is preferable that the DBMS is provided. At this time, the position where the card information D / B 140 is provided may be variously performed according to the intention of those skilled in the art, and the present invention is not limited thereto.

The card issuing server 100 provided on the card issuing system according to the present invention is a generic term for the card issuing system-side components connected with the card issuing 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, the card issuing server 100 is provided with an interface unit 105 (or interface means) for providing a predetermined card issuing interface to the card issuing terminal through the network means. It is done.

When the card issuing terminal is an employee terminal connected to a predetermined financial network according to an exemplary embodiment of the present invention, the interface unit 105 communicates with the employee terminal based on a protocol stack defined in the financial network. It is preferable to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in the card issuance application program provided in the employee terminal.

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

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

Alternatively, when the client terminal is provided with a predetermined card issuing application program provided by the card issuing server 100, the interface unit 105 connects a communication channel with the client terminal based on the TCP / IP protocol. In addition, the present invention provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

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

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) or ME (Mobile Explorer) protocol is provided in the client terminal, the interface unit 105 connects a communication channel with the client terminal based on the CDMA protocol. In addition, a communication interface for transmitting and receiving a web page (eg, a WML (Wireless Markup Language) compatible web page, or an HTML compatible web page) or information is provided using a WAP / ME protocol defined in the browser program.

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

Referring to FIG. 1, the card issuing server 100 connects the card with the interface unit 105 when a card issuing terminal is connected to the card issuing server 100 through the interface unit 105. Interface providing unit 110 for generating (or extracting) a predetermined user interface for inputting (or selecting) predetermined issue target card information and card issuance consent information from the issuing terminal and providing it to the card issuing terminal. Interface providing means) and an information receiving unit receiving predetermined issue target card information and card issuance agreement information inputted (or selected) and transmitted from the card issuing terminal through the user interface in cooperation with the interface unit 105 ( 115) (or the information receiving means), the free ride function is provided to the customer based on the received issuance target card information, card issuance agreement information Validation authentication unit 120 (or validity authentication means) for checking the validity of issuing the issued card, and the free ride function to issue to the customer based on the received issuing target card information, card issuance agreement information The predetermined subway including the card information through the information generating unit 125 (or information generating means) for generating (or extracting) predetermined card information corresponding to the provided card, and the predetermined card issuing device 145. The card issuing unit 130 (card issuing means) for issuing a card with a free ride function and the card issuing information corresponding to the card with a subway free ride function issued to the customer, the card information D / B ( And an information storage unit 135 (or information storage means) for storing in 140.

The interface providing unit 110, when a predetermined card issuing terminal is connected to the card issuing server 100 through the interface unit 105, the issue target card information corresponding to the functional configuration provided in the card issuing terminal; A predetermined user interface capable of inputting (or selecting) card issuance consent information and transmitting it to the card issuing server 100 through the network means, or extracting from a predetermined database (not shown), and extracting the interface. And the user interface generated (or extracted) in cooperation with the unit 105 to the card issuing terminal through the network means.

Thereafter, the card issuing terminal inputs (or selects) the issuing target card information and card issuing consent information based on the user interface, and inputs (or selects) the issued issuing target card information and card issuing consent information to the network. It transmits to the card issuing server 100 through the means.

According to an embodiment of the present invention, when the card issuing terminal is an employee terminal connected to a predetermined financial network, the interface providing unit 110 may provide a predetermined user interface that can be provided by a card issuance application program included in the employee terminal. It is preferable to generate (or extract) and provide the generated (or extracted) user interface to the employee terminal through the interface unit 105.

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

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

The information receiving unit 115 inputs (or selects) predetermined issuance target card information and card issuance agreement information through the user interface from the card issuing terminal and transmits the information through the network means. It characterized in that for receiving the issue target card information, card issuance agreement information, and provides the received issue card information, card issuance agreement information to the validity authentication unit 120 or the information generating unit 125. .

According to the implementation method of the present invention, the card issuing application information includes at least one or more customer information of the card issuing customer, issuance target card information, and card issuance agreement information.

Here, the customer information is personal information of the card issuing customer (eg, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.), and the customer subscribes to the card issuing server 100. Preferably, at least one member information (eg, member ID information) is included.

In addition, the issuance target card information preferably comprises at least one or more of the type (for example, credit, check, debit, etc.), card product name, etc. that the customer applied for issuance.

In addition, the card issuance agreement information preferably comprises the information that the customer agrees to the predetermined card issuance terms presented by the card issuing agency for issuing the card.

The validity authentication unit 120 confirms the validity of issuing the card with the subway free ride function to the customer based on the received customer card information, the card information issuance agreement information It is characterized by.

According to the implementation method of the present invention, the validity check for issuing the card with the subway free ride function to the customer, based on the customer name and resident registration number included in the customer information through a predetermined communication means It is preferable to include checking the real name of the customer in connection with a real name verification server (not shown).

In addition, when the card with the free ride function is provided with a credit card, the validity check for issuing the card with the free ride function to the customer, the predetermined communication based on the customer information Preferably it comprises the step of confirming the credit information of the customer in conjunction with a predetermined credit rating server via means.

In addition, when the card with the free ride function is made of a check card / debit card, the validity check for issuing the card with the subway free ride function to the customer, based on the customer information It is preferable to include whether the customer account is opened and normally operated in connection with a financial institution server in which a customer account associated with the check card / debit card is established through a predetermined communication means.

In addition, the validity check unit preferably comprises a check whether the customer is a subway free ride target customers (eg, route preferential customers, etc.) by confirming the resident registration number of the customer.

When the customer is identified as a free ride target customer based on the issuance target card information and card issuance agreement information received through the information receiving unit 115, the information generation unit 125 provides the subway free ride function to the customer. And generating (or extracting) predetermined card information to be provided in the provided card, wherein the card information includes a card number (eg, 16-digit card number) corresponding to a card provided with the subway free ride function. It includes at least one validity period information (some may be omitted), card issuer information (or code), free ride authentication information.

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

The expiration date information may include a period (or an expiration date and time) in which the card having the free ride function may be used, and is omitted if the expiration date does not exist in the card having the free ride function. The present invention is not limited thereto.

The card issuer information (or code) comprises at least one unique number (or unique code) assigned to the card issuer (or financial company) that issues the card with the subway free ride function to the customer. desirable.

The free ride authentication information is preferably made by including the at least one or more unique number (or unique code) that the card issuing customer is authorized to ride free subway, the free ride is possible through the issued card.

When the predetermined card information provided in the card having the free ride function is generated by the information generating unit 125, the card issuing unit 130 uses the predetermined card issuing device 145 to generate the card information. Producing a card with a subway free ride function comprising a (or having the card information on the card with the free ride function), the card with the free ride function to the customer Provided (or delivered).

If the card with the subway free riding function is an MS (Magnetic Stripe) card, the card issuing device 145 may include at least one or more MS tracks (eg, track I, provided with the card having the subway free riding function). And a device for recording the card information on tracks II and III, wherein the information generating unit 125 generates (or extracts) card information in a data structure recordable on at least one or more MS tracks. In addition, the card issuing unit 130 issues a card having a predetermined subway free ride function to be issued to the customer by recording the card information on the at least one MS track through the card issuing device 145.

Alternatively, if the card with the free ride function is an IC (Integrated Circuit) card, the card issuing device 145 records the card information in a memory provided in the IC chip of the card having the free ride function. In this case, the information generation unit 125 generates (or extracts) the card information in a file structure operable through a COS (Chip Operating System) provided in the IC chip, and the card The issuing unit 130 issues the card with a predetermined subway free ride function to be issued to the customer by recording the card information in the memory of the IC chip through the card issuing device 145.

The card provided with the subway free ride function manufactured as described above is provided to the customer or is delivered to the customer according to a predetermined card providing procedure, after which the customer receives the subway through the card issuing system according to the present invention. A card equipped with a free ride function is used.

Thereafter, the information storage unit 135 includes at least one or more customer information included in the issue target card information and card issue agreement information received from the customer through the information receiving unit 115 and the generated card information. The card issuing information is stored in the card information D / B 140.

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

2 is a diagram illustrating a card issuing process for issuing a card with a free ride function according to an exemplary embodiment of the present invention.

In more detail, in FIG. 2, in the card issuing system shown in FIG. 1, a predetermined customer prepares a predetermined card issuing application through a face-to-face card issuing interface (eg, the card issuing application, employee terminal, and network means). When the card issuance officer submits the card to the card issuing staff, the card issuing staff inputs (or selects) the issuance target card information and the card issuance agreement information corresponding to the card issuing application through a predetermined card issuing terminal. 100), the card issuing server 100 issues a card with a subway free ride function for issuing a card with the subway free ride function to the customer based on the issuance target card information and card issuance agreement information. As shown in the drawings, those of ordinary skill in the art to which the present invention pertains refer to FIG. Alternatively, the invention may be inferred from various implementation methods for issuing a card having the subway free ride function for issuing the card with the free ride function, but the present invention includes all the inferred implementation methods, and this drawing. It is not limited to the implementation method shown in 2.

For example, FIG. 2 illustrates that the card is provided with the free ride function and provided (or delivered) to the customer, and then the card issuance information is stored in the card information D / B 140. However, according to the intention of the skilled person, the process of storing predetermined card issuance information in the card information D / B 140 may be performed before the card having the subway free riding function or the subway free riding function is provided. It may be performed after the card is manufactured and before it is provided (or shipped) to the customer, and the present invention is not limited thereto.

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

Referring to Figure 2, the card issuance interface of the customer face-to-face (e.g., the card issuance application and staff terminal and network to issue a card with the subway free ride function for issuance of the card with the free ride function) Means for filling out a predetermined card issuance application (e.g., a document with a form for filling in at least one information item for issuing the card with the free ride function) and submitting it to a card issuing officer. By the issuing staff, the terminal receives (or selects) 200 issuance target card information and card issuance agreement information corresponding to the card issuance application written by the customer through a predetermined user interface (200), and through the network means Issuing target card information, card issuance agreement information is transmitted to the server (205).

According to the implementation method of the present invention, the card issuing application information includes at least one or more customer information of the card issuing customer, issuance target card information, and card issuance agreement information.

Here, the customer information is personal information of the card issuing customer (eg, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.), and the customer subscribes to the card issuing server 100. Preferably, at least one member information (eg, member ID information) is included.

In addition, the issuance target card information preferably comprises at least one or more of the type (for example, credit, check, debit, etc.), card product name, etc. that the customer applied for issuance.

In addition, the card issuance agreement information preferably comprises the information that the customer agrees to the predetermined card issuance terms presented by the card issuing agency for issuing the card.

Thereafter, the server receives and reads the issuance target card information and card issuance agreement information from the terminal through the network means, so as to inform the customer based on customer information included in the issuance target card information and card issuance agreement information. Check the card issuance validity for issuing a card with a subway free ride function for issuing a card with a subway free ride function (210).

According to the implementation method of the present invention, the validity check for issuing the card with the subway free ride function to the customer, based on the customer name and resident registration number included in the customer information through a predetermined communication means It is preferable to include checking the real name of the customer in connection with a real name verification server (not shown).

In addition, when the card with the free ride function is provided with a credit card, the validity check for issuing the card with the free ride function to the customer, the predetermined communication based on the customer information Preferably it comprises the step of confirming the credit information of the customer in conjunction with a predetermined credit rating server via means.

In addition, when the card with the free ride function is made of a check card / debit card, the validity check for issuing the card with the subway free ride function to the customer, based on the customer information It is preferable to include whether the customer account is opened and normally operated in connection with a financial institution server in which a customer account associated with the check card / debit card is established through a predetermined communication means.

In addition, the server is preferably made through the confirmation of the customer registration number of the customer comprises a check whether the customer is a subway free ride target customers (eg, route preferential customers, etc.).

If the validity of issuing the card with the subway free ride function to the customer is not authenticated through the issuance target card information and card issuance agreement information (215), the server is the customer through the card issuing interface. Provide the card issue error information to the 220, and stops issuing the card with the subway free ride function to the customer.

On the other hand, if the validity to issue the card with the subway free ride function is authenticated to the customer through the issuance target card information and card issue agreement information (215), the server issues the issue card information and card issue agreement information. Generating (or extracting) predetermined card information corresponding to a card having a subway free ride function to be issued to the customer based on (225), wherein the card information corresponds to a card having the subway free ride function; Card number (eg, 16-digit card number), expiration date information (some may be omitted), card issuer information (or code), and free ride authentication information.

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

The expiration date information may include a period (or an expiration date and time) in which the card having the free ride function may be used, and is omitted if the expiration date does not exist in the card having the free ride function. The present invention is not limited thereto.

The card issuer information (or code) comprises at least one unique number (or unique code) assigned to the card issuer (or financial company) that issues the card with the subway free ride function to the customer. It is preferable.

The free ride authentication information is preferably made by including the at least one or more unique number (or unique code) that the card issuing customer is authorized to ride free subway, the free ride is possible through the issued card.

According to an exemplary embodiment of the present invention, if the card having the subway free ride function is an MS card, the generated card information may include a data structure capable of recording on at least one or more MS tracks provided in the MS card. Do.

According to another exemplary embodiment of the present invention, if the card having the subway free ride function is an IC card, the generated card information includes a file structure operable through a COS (Chip Operating System) provided in the IC chip. It is preferable to make.

Thereafter, the server prepares a card having a predetermined subway free ride function having the card information through a predetermined card issuing device 145 and provides (or delivers) the card to the customer (230).

According to an embodiment of the present invention, if the card having the subway free ride function is an MS card, the card issuing device 145 may include at least one or more MS tracks (eg, provided in the card having the subway free ride function). It is preferable to include an apparatus for recording the card information on tracks I, II, and III.

According to another exemplary embodiment of the present invention, if the card having the subway free ride function is an IC card, the card issuing device 145 stores the card in a memory provided in the IC chip of the card having the subway free ride function. It is preferable to include an apparatus for recording information.

Thereafter, the server may include card issuance information including at least one of card information D including at least one of customer information included in the issuance target card information, card issuance agreement information and the generated card information provided from the customer through the card issuance interface. / B 140 stores (235).

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

According to one embodiment of the invention, the card information D / B 140 is preferably provided in a DBMS on a predetermined financial system provided on the card issuing system (or associated with the card issuing system), At this time, the card information D / B 140 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 thereto. .

According to another exemplary embodiment of the present invention, the card information D / B 140 is an online payment system, or a WAP-based wireless payment system, or an IC chip-based wireless payment provided on (or associated with) the card issuing system. It is possible to be provided in a DBMS on at least one or more payment systems of the system or the tele payment system, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the card information D / B 140 is provided on (or associated with) the card issuing system, an internet banking system, a telebanking system, a wireless banking system, or a TV. It is possible to be provided in the DBMS on at least one banking system of the banking system, whereby the present invention is not limited.

3 is a diagram illustrating a card issuing process for issuing a card with a free ride function according to another exemplary embodiment of the present invention.

In more detail, in FIG. 3, the card issuing system shown in FIG. When the card issuing server 100 is connected to input (or select) predetermined issuance target card information and card issuance agreement information, the card issuance server 100 transmits the issuing target card information and card issuance agreement information. Based on the process of issuing a card with a subway free ride function for issuing the card with the free ride function based on the customer, if the person having ordinary knowledge in the technical field to which the present invention belongs, this figure 3 Car equipped with the subway free ride function for issuing the card with the free ride function by referring to or modified Would be able to infer a variety of exemplary ways to issue, the present invention includes all the embodiments in which the inference method, not limited to the exemplary method shown in the figure 3.

For example, FIG. 3 illustrates that the card is provided with the free ride function and provided (or shipped) to the customer, and the card issuance information is stored in the card information D / B 140. However, according to the intention of the skilled person, the process of storing predetermined card issuance information in the card information D / B 140 may be performed before the card having the subway free riding function or the subway free riding function is provided. It may be performed after the card is manufactured and before it is provided (or shipped) to the customer, and the present invention is not limited thereto.

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

Referring to FIG. 3, the customer accesses the server through a predetermined terminal, connects a communication channel for card issuance application, and the subway free ride function for issuing a card with the subway free ride function through the communication channel. Apply for issuance of the provided card (300), and correspondingly, the server generates (or extracts) a user interface for issuing a card with the subway free-ride function and provides the terminal to the terminal through the communication channel. (305).

Thereafter, the terminal receives (or selects) the issue target card information and the card issue agreement information through the user interface, and receives the issue target card information and the card issue agreement information input (or selected) through the communication channel. And transmits to the server (310).

According to the implementation method of the present invention, the card issuing application information includes at least one or more customer information of the card issuing customer, issuance target card information, and card issuance agreement information.

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

In addition, the issuance target card information preferably comprises at least one or more of the type (for example, credit, check, debit, etc.), card product name, etc. that the customer applied for issuance.

In addition, the card issuance agreement information preferably comprises the information that the customer agrees to the predetermined card issuance terms presented by the card issuing agency for issuing the card.

Thereafter, the server receives and reads the issuance target card information and card issuance agreement information from the terminal through the network means, so as to inform the customer based on the customer information included in the issuance target card information and card issuance agreement information. Check the card issuance validity for issuing a card with a subway free ride function for issuing a card with a subway free ride function (315).

According to the implementation method of the present invention, the validity check for issuing the card with the subway free ride function to the customer, based on the customer name and resident registration number included in the customer information through a predetermined communication means It is preferable to include checking the real name of the customer in connection with a real name verification server (not shown).

In addition, when the card with the free ride function is provided with a credit card, the validity check for issuing the card with the free ride function to the customer, the predetermined communication based on the customer information Preferably it comprises the step of confirming the credit information of the customer in conjunction with a predetermined credit rating server via means.

In addition, when the card with the free ride function is made of a check card / debit card, the validity check for issuing the card with the subway free ride function to the customer, based on the customer information It is preferable to include whether the customer account is opened and normally operated in connection with a financial institution server in which a customer account associated with the check card / debit card is established through a predetermined communication means.

In addition, the server is preferably made through the confirmation of the customer registration number of the customer comprises a check whether the customer is a subway free ride target customers (eg, route preferential customers, etc.).

If the validity to issue the card with the subway free ride function to the customer is not authenticated through the issuance target card information and card issuance agreement information (320), the server issues the customer through the card issuing interface. The card issuance error information is provided to the user (325), and stops issuing the card with the subway free ride function to the customer.

On the other hand, if the validity to issue the card with the subway free ride function to the customer is authenticated through the issuance target card information and card issue agreement information (320), the server issues the issue card information and card issue agreement information. Generating (or extracting) predetermined card information corresponding to a card having a subway free ride function to be issued to the customer based on (330), and the card information corresponding to a card having the subway free ride function; Card number (eg, 16-digit card number), expiration date information (some may be omitted), card issuer information (or code), and free ride authentication information.

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

The expiration date information may include a period (or an expiration date and time) in which the card having the free ride function may be used, and is omitted if the expiration date does not exist in the card having the free ride function. The present invention is not limited thereto.

The card issuer information (or code) comprises at least one unique number (or unique code) assigned to the card issuer (or financial company) that issues the card with the subway free ride function to the customer. desirable.

The free ride authentication information is preferably made by including the at least one or more unique number (or unique code) that the card issuing customer is authorized to ride free subway, the free ride is possible through the issued card.

According to an exemplary embodiment of the present invention, if the card having the subway free ride function is an MS card, the generated card information may include a data structure capable of recording on at least one or more MS tracks provided in the MS card. Do.

According to another exemplary embodiment of the present invention, if the card having the subway free ride function is an IC card, the generated card information includes a file structure operable through a COS (Chip Operating System) provided in the IC chip. It is desirable that it be done.

Thereafter, the server prepares a card having a predetermined subway free ride function having the card information through a predetermined card issuing device 145 and provides (or delivers) the card to the customer (335).

According to an embodiment of the present invention, if the card having the subway free ride function is an MS card, the card issuing device 145 may include at least one or more MS tracks (eg, provided in the card having the subway free ride function). It is preferable to include an apparatus for recording the card information on tracks I, II, and III.

According to another exemplary embodiment of the present invention, if the card having the subway free ride function is an IC card, the card issuing device 145 stores the card in a memory provided in the IC chip of the card having the subway free ride function. It is preferable to include an apparatus for recording information.

Thereafter, the server may include card issuance information including at least one of card information D including at least one of customer information included in the issuance target card information, card issuance agreement information and the generated card information provided from the customer through the card issuance interface. / B 140 stores (340).

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

According to one embodiment of the invention, the card information D / B 140 is preferably provided in a DBMS on a predetermined financial system provided on the card issuing system (or associated with the card issuing system), At this time, the card information D / B 140 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 thereto. .

According to another exemplary embodiment of the present invention, the card information D / B 140 is an online payment system, or a WAP-based wireless payment system, or an IC chip-based wireless payment provided on (or associated with) the card issuing system. It is possible to be provided in a DBMS on at least one or more payment systems of the system or the tele payment system, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the card information D / B 140 is provided on (or associated with) the card issuing system, an internet banking system, a tele banking system, or a wireless banking system, or It is possible to be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

4 is a diagram illustrating a card issuing system for issuing a card with a free ride function according to another exemplary embodiment of the present invention.

In more detail, Figure 4 is a card issued by a customer having a wireless terminal equipped with a predetermined wireless IC chip through a predetermined card issuing interface. When the issuance agreement information is provided, the card issuing system is a wireless IC chip provided in the customer's wireless terminal based on the provided issuance target card information and card issuance agreement information. As a system configuration for issuing a card with a free ride function of the subway, a person having ordinary skill in the art to which the present invention pertains, refer to or modify the drawing 4 to issue the card with the free ride function. It will be possible to infer various implementation methods for the card issuance system configuration for the present invention, the inference Includes all embodiments methods, it shall not be limited to the exemplary method shown in the figure 4.

Hereinafter, a card as a wireless IC chip provided in the customer wireless terminal based on the issue target card information and card issue agreement information provided from the customer through a predetermined card issuing interface on the card issuing system shown in FIG. At least one means for issuing a card with a subway free ride function in the form of an applet (or IC chip storage information) or a component corresponding to a functional configuration is referred to as a "card issuing server 400" for convenience.

Referring to this drawing 4 according to the embodiment of the present invention, the card issuance system for card issuance with the free ride function of the subway, at least one card issuance staff (or financial institutions) provided by the card issuing staff staff Characterized in that it comprises a terminal, or if the card issuing system supports a non-face-to-face card issuance application, comprising a client terminal including at least one wired terminal or a wireless terminal used by the customer The employee terminal or the client terminal is connected to a communication channel with the card issuing server 400 provided on the card issuing system through a predetermined network means.

According to an exemplary embodiment of the present invention, the customer visits the card issuing institution (or financial institution) for issuing the card with the free ride function of the subway through a window provided at the card issuing institution (or financial institution) ( Or a card issuance application for a predetermined card issuance application (eg, at least one information item for issuing the card with the free ride function) (Or the card issuing staff visits the customer and asks the customer to fill out a predetermined card issuance application for issuing the card with the free ride function). Upon submission to the responsible staff member, the card issuing staff member will be contacted through the designated staff terminal. The information entered in the card issuance application is input (or selected), and the employee terminal transmits the input (or selected) information to the card issuing server 400 provided on the card issuing system through the network means. It is preferable.

Here, the employee terminal preferably comprises an employee terminal used by the card issuing staff provided in the card issuing institution (or financial institution), the card issuing server 400 connected to the employee terminal is the card issuance Preferably it comprises a server provided on an institution (or a financial institution, or a card issuing partner affiliated with the card issuing agency), the network means for connecting the employee terminal and the card issuing server 400 is It is preferable to include a communication network connecting the communication channel between the employee terminal and the card issuing server 400.

In the card issuing system as described above, the card issuance application that the customer creates, the employee terminal used by the card issuing staff and the financial network connecting the employee terminal and the card issuing server 400 is the customer Performs the function of the card issuing interface for registering the issuance target card information, card issuance agreement information for card issuance with free ride function of the subway.

According to another exemplary embodiment of the present invention, when the card issuing system supports a non-face-to-face card issuing application, the customer is at least one of a wired terminal connected to a predetermined wired communication network or a wireless terminal connected to a predetermined wireless communication network. Issuing target card information for the card issuance, the card issuance for the card with the free ride on the subway through the at least one user interface provided by the card issuance server 400, and the card issuance server 400 through the client terminal When the consent information is input (or selected), it is preferable that the client terminal transmits the card information to the card issuing server 400 provided on the card issuing system through a predetermined network means.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices connected to a TCP / IP based communication network, and a desktop computer or a notebook computer connected to the TCP / IP based communication network. ), 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 communication network is any terminal device connected to a mobile communication network based on CDMA (Code Division Multiple Access), or all terminal devices connected to a wireless communication network based on High Speed Downlink Packet Access (HSDPA), or IEEE 802.16x. A generic term for all terminal devices connected to a mobile Internet based on the Internet, or all terminal devices connected to a Motorola DataTAC method or an Erricson Mobitex method wireless data communication network, and a personal communication system (PCS) connected to the CDMA-based mobile communication network. Or Global System for Mobile communications (GSM) terminals or Personal Digital Cellular (PDC) or Personal Handyphone System (PHS) terminals or Personal Digital Assistants (PDAs) or smartphones (Smart Phones) or telematics (Telematics) or HSDPA (High Speed Downlink Packet Access) based wireless It comprises a wireless communication terminal connected to a trust, or the IEEE 802.16x based portable Internet connected to a portable subscriber terminal, or at least one of the DataTAC / Mobitex based wireless data communication terminal connected to a wireless data communication network and the like.

In addition, the client terminal outputs at least one or more user interfaces provided by the card issuing server 400, and inputs or selects at least one or more information through the user interface to transmit the card issuing server 400 to the card issuing server 400. It is preferable that a function configuration (for example, a browser program and a communication function, or a predetermined communication program and communication function to communicate with the card issuing server 400, etc.) is provided.

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

In the card issuing system, a client terminal including at least one wired terminal or a wireless terminal used by the customer, and at least one wired communication network or a wireless communication network connecting the client terminal and the card issuing server 400. The customer performs a function of the card issuing interface for registering the card information, card issuance agreement information issuing target card for issuance of the card with the free ride function of the subway.

According to another exemplary embodiment of the present invention, when the card issuing system supports a non-face-to-face card issuing application, the card issuing terminal is a predetermined financial network (eg, financial co-operation) in addition to the employee terminal or the client terminal. A financial automatic machine (not shown) including an automatic teller machine (ATM), a cash dispenser (CD) connected to the network), or a predetermined public switched telephone network. A predetermined call terminal (not shown) connected to a wired telephone network such as a network (PSTN) or a voice over IP (VoIP) network, or a predetermined call terminal connected to a wireless telephone network such as a mobile communication network or a wireless VoIP network. (Not shown) or a terminal (or provided in at least one or more institutions affiliated with the card issuer (or financial institution) Bourbon) (may further comprise a not shown), to which the present invention is not limited.

In the case of supporting a non-face-to-face card issuance application as described above, when the card issuing terminal is the financial automatic device (not shown), the financial automated device (not shown) and the financial automated device (not shown) And a financial network connecting the card issuing server 400 to perform a function of a card issuing interface for the customer to register issuance target card information and card issuance agreement information for issuing the card with the free ride function of the subway, or When the card issuing 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 card issuing server 400 may be provided by the customer. Performs the function of the card issuing interface for registering the card information and card issuance agreement information for issuance of the card with the free ride function of the subway Or, if the card issuing terminal is a terminal (or server) (not shown) provided in an institution affiliated with the card issuing institution (or financial institution), the terminal (or server) (not shown) and the terminal ( Or a server) (not shown) and the card issuing network 400 connect the card issuing interface for registering the issuing target card information and card issuance agreement information for the card issuance with the free ride function of the subway. Perform a function

The card information D / B 450 provided on the card issuing system according to the present invention has a predetermined free ride function to the customer based on the issuance target card information and card issuance agreement information provided from the card issuing terminal. After issuing the provided card, characterized in that for storing the card issuance information according to the issuance of the card with the free ride function of the subway, the card issuance information stored in the card information D / B (450) card issuance It is used for issuing the card with the free ride function on the subway.

According to one embodiment of the present invention, the card information D / B 450 is preferably provided in a DBMS on a predetermined financial system provided on the card issuing system (or associated with the card issuing system), In this case, the card information D / B 450 may be a ledger D / B provided in a DBMS on the financial system or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto. .

According to another exemplary embodiment of the present invention, the card information D / B 450 is an online payment system, or a WAP-based wireless payment system, or an IC chip-based wireless payment provided on (or associated with) the card issuing system. It is possible to be provided in a DBMS on at least one or more payment systems of the system or the tele payment system, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the card information D / B 450 is provided on (or associated with) the card issuing system, an internet banking system, a tele banking system, or a wireless banking system, or It is possible to be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the card information D / B 450 interoperates with a server (or device) that performs a predetermined information processing function using the card issuing information on the card issuing system. It is preferable that the DBMS is provided. At this time, the position where the card information D / B 450 is provided may be variously performed according to the intention of those skilled in the art, and the present invention is not limited thereto.

The card issuing server 400 provided on the card issuing system according to the present invention is a generic term for the card issuing system side components connected with the card issuing 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 the embodiment of the present invention, the card issuing server 400 is provided with an interface unit 405 (or interface means) for providing a predetermined card issuing interface to the card issuing terminal through the network means. It is done.

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

According to another exemplary embodiment of the present invention, when the card issuing terminal is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 405 is based on the protocol stack defined in the wired communication network. It is preferable to provide a communication interface for connecting at least one communication channel with a client terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 405 connects a communication channel with the client terminal based on the TCP / IP protocol. Provides a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) or information using the HTTP protocol defined in the browser program.

Alternatively, when the client terminal is provided with a predetermined card issuing application program provided by the card issuing server 400, the interface unit 405 connects a communication channel with the client terminal based on the TCP / IP protocol. In addition, the present invention provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

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

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) or ME (Mobile Explorer) protocol is provided in the client terminal, the interface unit 405 connects a communication channel with the client terminal based on the CDMA protocol. In addition, a communication interface for transmitting and receiving a web page (eg, a WML (Wireless Markup Language) compatible web page, or an HTML compatible web page) or information is provided using a WAP / ME protocol defined in the browser program.

Or, if the client terminal is provided with a card issuance application program provided by the card issuance server 400, the interface unit 405 connects the communication channel with the client terminal based on the CDMA protocol, the communication Provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the program.

Referring to FIG. 4, when the card issuing terminal 400 is connected to the card issuing server 400 through the interface unit 405, the card issuing server 400 works in conjunction with the interface unit 405. Interface providing unit 410 (or extracted) to generate (or extract) a predetermined user interface for the issuing terminal to input (or select) the predetermined issuing target card information, card issuance consent information to be transmitted to the card issuing terminal (or Interface providing means) and an information receiving unit for receiving predetermined issuance target card information and card issuance agreement information inputted (or selected) and transmitted from the card issuing terminal through the user interface in cooperation with the interface unit 405 ( 415) (or the information receiving means), and the free ride function to the customer based on the received issuance target card information, card issuance agreement information Validation authentication unit 420 (or validity authentication means) for checking the validity of issuing the issued card, and the free ride function to issue to the customer based on the received issuing target card information, card issuance agreement information An information generation unit 425 (or information generating means) for generating (or extracting) predetermined card information corresponding to the provided card, and a predetermined card applet (or IC chip storage information) including the card information. A wireless IC chip provided in the customer wireless terminal by providing the applet generating unit 430 (or applet generating means) and the card applet (or IC chip storage information) to the customer wireless terminal through a predetermined wireless communication network. The card issuing unit 440 (or a card issuing means) for issuing a card having the free ride function of the subway by recording on the card is provided with the free ride function issued to the customer. And an information storage unit 435 (or information storage means) for storing the card issuing information corresponding to the card in the card information D / B (450), characterized in that formed.

The interface providing unit 410, when a predetermined card issuing terminal is connected to the card issuing server 400 through the interface unit 405, the issue target card information corresponding to the functional configuration provided in the card issuing terminal; Generate a predetermined user interface capable of inputting (or selecting) card issuance agreement information and transmitting it to the card issuing server 400 through the network means, or extracting from a predetermined database (not shown), In operation 405, the generated (or extracted) user interface may be provided to the card issuing terminal through the network means.

Thereafter, the card issuing terminal inputs (or selects) the issuance target card information and card issuance agreement information based on the user interface, and inputs (or selects) the issued issuance card information and card issuance consent information to the network. It transmits to the card issuing server 400 through the means.

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

According to another embodiment of the present invention, when the card issuing terminal is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface providing unit 410 is a browser program or a communication program provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided, and provide the generated (or extracted) user interface to the client terminal through the interface unit 405.

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

The information receiving unit 415 inputs (or selects) predetermined issuance target card information and card issuance agreement information through the user interface from the card issuing terminal and transmits the same through the network means. It characterized in that for receiving the issue target card information, card issuance agreement information, and provides the received issue card information, card issuance agreement information to the validity authentication unit 420 or the information generating unit 425. .

According to the implementation method of the present invention, the card issuing application information comprises at least one or more of the customer information of the card issuing customer, the customer wireless terminal information, the issue target card information, the card issuance agreement information.

Here, the customer information is personal information of the card issuing customer (eg, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.), and the customer subscribes to the card issuing server 400. Preferably, at least one member information (eg, member ID information) is included.

In addition, the customer wireless terminal information is unique information of the customer wireless terminal equipped with a wireless IC chip capable of recording a card applet (or IC chip storage information) (for example, wireless terminal telephone number or address information, or identification information, Or ID information, etc.), and the wireless terminal corresponding to the customer wireless terminal information for issuing a card having a subway free ride function for issuing a card with the free ride function. It is preferable that a card applet (or IC chip storage information) corresponding to a card having a subway free ride function is provided.

In addition, the issuance target card information preferably comprises at least one or more of the type (for example, credit, check, debit, etc.), card product name, etc. that the customer applied for issuance.

In addition, the card issuance agreement information preferably comprises the information that the customer agrees to the predetermined card issuance terms presented by the card issuing agency for issuing the card.

The validity authentication unit 420 issuing a card with the subway free ride function to the customer based on the received customer card information, the card issuance agreement information and the customer information and customer wireless terminal information It is characterized by checking the validity.

According to the implementation method of the present invention, the validity check for issuing the card with the subway free ride function to the customer, based on the customer name and resident registration number included in the customer information through a predetermined communication means It is preferable to include checking the real name of the customer in connection with a real name verification server (not shown).

In addition, when the card with the free ride function is provided with a credit card, the validity check for issuing the card with the free ride function to the customer, the predetermined communication based on the customer information Preferably it comprises the step of confirming the credit information of the customer in conjunction with a predetermined credit rating server via means.

In addition, when the card with the free ride function is made of a check card / debit card, the validity check for issuing the card with the subway free ride function to the customer, based on the customer information It is preferable to include whether the customer account is opened and normally operated in connection with a financial institution server in which a customer account associated with the check card / debit card is established through a predetermined communication means.

In addition, the validity confirmation for issuing the card with the subway free ride function to the customer, subscriber management means (for example, subscriber information D / B 450) on the wireless communication network corresponding to the customer wireless terminal information (not shown) ) And confirming that the customer wireless terminal information is valid in association with the subscription management server (not shown).

In addition, the validity check unit preferably comprises a check whether the customer is a subway free ride target customers (eg, route preferential customers, etc.) by confirming the resident registration number of the customer.

The information generating unit 425 is predetermined card information to be provided in the card equipped with the subway free ride function to the customer based on the issuance target card information, card issuance agreement information received through the information receiving unit 415 The card information may include a card number (for example, a 16-digit card number), an expiration date information (some may be omitted), and a card issuance corresponding to a card provided with the subway free ride function. It comprises at least one or more institution information (or code) and free ride authentication information.

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

The expiration date information may include a period (or an expiration date and time) in which the card having the free ride function may be used, and is omitted if the expiration date does not exist in the card having the free ride function. The present invention is not limited thereto.

The card issuer information (or code) comprises at least one unique number (or unique code) assigned to the card issuer (or financial company) that issues the card with the subway free ride function to the customer. desirable.

The free ride authentication information is preferably made by including the at least one or more unique number (or unique code) that the card issuing customer is authorized to ride free subway, the free ride is possible through the issued card.

When the predetermined card information included in the card having the subway free ride function is generated by the information generating unit 425, the applet generating unit 430 includes a predetermined card applet (or IC) including the card information. Chip storage information), and the card applet (or IC chip storage information) can be recorded on a wireless IC chip provided in the customer wireless terminal and operated on a COS (Chip Operating System) on the wireless IC chip. It is preferable to include a file structure.

When the card applet (or IC chip storage information) is generated by the applet generating unit 430, the card issuing unit 440 sends the card to the customer wireless terminal through a wireless communication network corresponding to the customer wireless terminal information. By transmitting an applet (or IC chip storage information), the customer wireless terminal writes the card applet (or IC chip storage information) to a wireless IC chip provided in the corresponding wireless terminal so that the card having the free ride function of the subway is provided. Characterized in that issued to the customer.

Thereafter, the information storage unit 435 includes at least one or more customer information included in the issuance target card information, card issue agreement information received from the customer through the information receiving unit 415 and the generated card information. The card issuing information is stored in the card information D / B 450.

Here, the customer information included in the card issuance information includes personal information of the card issuing customer (for example, customer name, resident registration number, address, wireless terminal information (or mobile number), e-mail address, etc.), and the customer is the card. It is preferable to include at least one member information (for example, member ID information) subscribed to the issuing server 400.

5 is a diagram illustrating a card issuing process for issuing a card with a free ride function according to an exemplary embodiment of the present invention.

In more detail, in FIG. 5, a predetermined customer issues a card issuance application through a face-to-face card issuance interface (e.g., the card issuance application, employee terminal, and network means) in the card issuance system shown in FIG. When the card issuance officer submits the card to the card issuing staff, the card issuing staff inputs (or selects) the issuance target card information and the card issuance agreement information corresponding to the card issuing application through a predetermined card issuing terminal. 400, the card issuing server 400 issues a card with a subway free ride function for issuing a card with the free ride function to the customer based on the issuance target card information and card issuance agreement information. As shown in the drawing, a person having ordinary skill in the art to which the present invention pertains refers to FIG. 5. Alternatively, the invention may be inferred from various implementation methods for issuing a card having the subway free ride function for issuing the card with the free ride function, but the present invention includes all the inferred implementation methods, and this drawing. It is not limited to the implementation method shown in 5.

For example, FIG. 5 illustrates that the card is provided with the free ride function and provided (or shipped) to the customer, and the card issuance information is stored in the card information D / B 450. However, according to the intention of the skilled person, the process of storing predetermined card issuance information in the card information D / B 450 may be performed before the card having the free ride function or the free ride function is provided. It may be performed after the card is made and before it is provided (or shipped) to the customer, whereby the present invention is not limited.

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

Referring to Figure 5, the card issuance interface of the customer face-to-face (e.g., the card issuance application and staff terminal and network to receive a card with the subway free ride function for issuance of the card with the free ride function) Means for filling out a predetermined card issuance application (e.g., a document with a form for filling in at least one information item for issuance of the card with the free ride function) and submitting it to a card issuing officer. By the issuing staff, the terminal receives (or selects) 500 issuance target card information and card issuance agreement information corresponding to the card issuance application written by the customer through a predetermined user interface (500), and through the network means. Issuing target card information, card issuance agreement information is transmitted to the server (505).

According to the implementation method of the present invention, the card issuing application information includes at least one or more customer information of the card issuing customer, issuance target card information, and card issuance agreement information.

Here, the customer information is personal information of the card issuing customer (eg, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.), and the customer subscribes to the card issuing server 400. Preferably, at least one member information (eg, member ID information) is included.

In addition, the customer wireless terminal information is unique information of the customer wireless terminal equipped with a wireless IC chip capable of recording a card applet (or IC chip storage information) (for example, wireless terminal telephone number or address information, or identification information, Or ID information, etc.), and the wireless terminal corresponding to the customer wireless terminal information for issuing a card having a subway free ride function for issuing a card with the free ride function. It is preferable that a card applet (or IC chip storage information) corresponding to a card having a subway free ride function is provided.

In addition, the issuance target card information preferably comprises at least one or more of the type (for example, credit, check, debit, etc.), card product name, etc. that the customer applied for issuance.

In addition, the card issuance consent information is preferably made, including the content that the customer agrees to the predetermined card issuance terms and conditions presented by the card issuing agency for issuing the card.

Thereafter, the server receives and reads the issuance target card information and card issuance agreement information from the terminal through the network means, so as to inform the customer based on the customer information included in the issuance target card information and card issuance agreement information. Check the card issuance validity for issuing a card with a subway free ride function for issuing a card with a subway free ride function (510).

According to the implementation method of the present invention, the validity check for issuing the card with the subway free ride function to the customer, based on the customer name and resident registration number included in the customer information through a predetermined communication means It is preferable to include checking the real name of the customer in connection with a real name verification server (not shown).

In addition, when the card with the free ride function is provided with a credit card, the validity check for issuing the card with the free ride function to the customer, the predetermined communication based on the customer information Preferably it comprises the step of confirming the credit information of the customer in conjunction with a predetermined credit rating server via means.

In addition, when the card with the free ride function is made of a check card / debit card, the validity check for issuing the card with the subway free ride function to the customer, based on the customer information It is preferable to include whether the customer account is opened and normally operated in connection with a financial institution server in which a customer account associated with the check card / debit card is established through a predetermined communication means.

In addition, the validity confirmation for issuing the card with the subway free ride function to the customer, subscriber management means (for example, subscriber information D / B 450) on the wireless communication network corresponding to the customer wireless terminal information (not shown) ) And confirming that the customer wireless terminal information is valid in association with the subscription management server (not shown).

If the validity to issue the card with the subway free ride function is not authenticated to the customer through the issuance target card information and card issuance agreement information (515), the server is the customer through the card issuing interface. The card issuance error information is provided to the customer (520), and stops issuing the card with the subway free ride function to the customer.

On the other hand, if the validity to issue the card with the subway free ride function is authenticated to the customer through the issuance target card information and card issuance agreement information (515), the server issuing card information and card issuance agreement information. Generating (or extracting) predetermined card information corresponding to a card having a subway free ride function to be issued to the customer based on (525), wherein the card information corresponds to a card having the subway free ride function; And at least one card number (eg, 16-digit card number), expiration date information (some may be omitted), card issuer information (or code), and unmanned ride authentication information.

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

The expiration date information may include a period (or an expiration date and time) in which the card having the free ride function may be used, and is omitted if the expiration date does not exist in the card having the free ride function. The present invention is not limited thereto.

The card issuer information (or code) comprises at least one unique number (or unique code) assigned to the card issuer (or financial company) that issues the card with the subway free ride function to the customer. desirable.

The free ride authentication information is preferably made by including the at least one or more unique number (or unique code) that the card issuing customer is authorized to ride free subway, the free ride is possible through the issued card.

Thereafter, the server generates a predetermined card applet (or IC chip storage information) including the generated (or extracted) card information (530), and issues the generated card applet (or IC chip storage information). In operation 535, the target card information and the card issuance agreement information are transmitted to the customer wireless terminal through a wireless communication network corresponding to the customer wireless terminal information.

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

According to an embodiment of the present invention, the server reads the customer wireless terminal information included in the issuance target card information and the card issue agreement information to identify a wireless communication network corresponding to the customer wireless terminal information, and is connected with the wireless communication network. It is preferable to transmit the generated card applet (or IC chip storage information) to the customer wireless terminal through a predetermined applet providing server 445.

Those skilled in the art to which the present invention belongs, various methods of transmitting the card applet (or IC chip storage information) from the applet providing server 445 to the customer wireless terminal (for example, wireless message and The card applet (or IC chip storage information) transmission using the callback URL) may be inferred, but the present invention is characterized by including all implementation methods inferred.

Thereafter, the customer wireless terminal records the received card applet (or IC chip storage information) on a wireless IC chip provided in the wireless terminal, thereby providing a free subway ride corresponding to the card applet (or IC chip storage information). Issue the provided card (540).

Thereafter, the server may include card issuance information including at least one of card information D including at least one of customer information included in the issuance target card information, card issuance agreement information and the generated card information provided from the customer through the card issuance interface. Save to / B 450 (535).

Here, the customer information included in the card issuance information includes personal information of the card issuing customer (for example, customer name, resident registration number, address, wireless terminal information (or mobile number), e-mail address, etc.), and the customer is the card. It is preferable to include at least one member information (for example, member ID information) subscribed to the issuing server 400.

According to one embodiment of the present invention, the card information D / B 450 is preferably provided in a DBMS on a predetermined financial system provided on the card issuing system (or associated with the card issuing system), In this case, the card information D / B 450 may be a ledger D / B provided in a DBMS on the financial system or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto. .

According to another exemplary embodiment of the present invention, the card information D / B 450 is an online payment system, or a WAP-based wireless payment system, or an IC chip-based wireless payment provided on (or associated with) the card issuing system. It is possible to be provided in a DBMS on at least one or more payment systems of the system or the tele payment system, whereby the present invention is not limited.

According to another embodiment of the present invention, the card information D / B 450 is provided on (or associated with) the card issuing system, an internet banking system, a telebanking system, a wireless banking system, or a TV. It is possible to be provided in the DBMS on at least one banking system of the banking system, whereby the present invention is not limited.

6 is a diagram illustrating a card issuing process for issuing a card with a free ride function according to another exemplary embodiment of the present invention.

In more detail, in FIG. 6, in the card issuing system shown in FIG. 4, a predetermined customer may use a non-face-to-face card issuing interface (eg, a client terminal and a network means including at least one wired terminal or a wireless terminal). When the card issuing server 400 is connected to input (or select) predetermined issuance target card information and card issuance agreement information, the card issuing server 400 transmits the issuing target card information and card issuance agreement information. Based on the process of issuing a card with a subway free ride function for issuing the card with the free ride function based on the customer, if the person having ordinary knowledge in the technical field to which the present invention belongs, this figure 6 Car equipped with the subway free ride function for issuing the card with the free ride function by referring to or modified Would be able to infer a variety of exemplary ways to issue, the present invention includes all the embodiments in which the inference method, not limited to the exemplary method shown in the figure 6.

For example, FIG. 6 illustrates that the card is provided with the free ride function and provided (or delivered) to the customer, and then the card issuance information is stored in the card information D / B 450. However, according to the intention of the skilled person, the process of storing predetermined card issuance information in the card information D / B 450 may be performed before the card having the free ride function or the free ride function is provided. It may be performed after the card is made and before it is provided (or shipped) to the customer, and the present invention is not limited thereto.

Hereinafter, in FIG. 6, the card issuing terminal shown in FIG. 4 is referred to as "terminal" for convenience, and the card issuing server 400 is referred to as "server" for convenience.

Referring to FIG. 6, the customer connects the communication channel for card issuance application by accessing the server through a predetermined terminal, and the subway free ride function for issuing a card with the subway free ride function through the communication channel. Apply for issuance of the provided card (600), and in response, the server generates (or extracts) a user interface for issuing a card with the subway free ride function and provides the terminal to the terminal through the communication channel. (605).

Thereafter, the terminal receives (or selects) the issue target card information and the card issue agreement information through the user interface, and receives the issue target card information and the card issue agreement information input (or selected) through the communication channel. The server transmits the data to the server (610).

According to the implementation method of the present invention, the card issuing application information includes at least one or more customer information of the card issuing customer, issuance target card information, and card issuance agreement information.

Here, the customer information is personal information of the card issuing customer (eg, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.), and the customer subscribes to the card issuing server 400. Preferably, at least one member information (eg, member ID information) is included.

In addition, the customer wireless terminal information is unique information of the customer wireless terminal equipped with a wireless IC chip capable of recording a card applet (or IC chip storage information) (for example, wireless terminal telephone number or address information, or identification information, Or ID information, etc.), and the wireless terminal corresponding to the customer wireless terminal information for issuing a card having a subway free ride function for issuing a card with the free ride function. It is preferable that a card applet (or IC chip storage information) corresponding to a card having a subway free ride function is provided.

In addition, the issuance target card information preferably comprises at least one or more of the type (for example, credit, check, debit, etc.), card product name, etc. that the customer applied for issuance.

In addition, the card issuance agreement information preferably comprises the information that the customer agrees to the predetermined card issuance terms presented by the card issuing agency for issuing the card.

Thereafter, the server receives and reads the issuance target card information and card issuance agreement information from the terminal through the network means, so as to inform the customer based on the customer information included in the issuance target card information and card issue agreement information. Check the card issuance validity for issuing a card with a subway free ride function for issuing a card with a subway free ride function (615).

According to the implementation method of the present invention, the validity check for issuing the card with the subway free ride function to the customer, based on the customer name and resident registration number included in the customer information through a predetermined communication means It is preferable to include checking the real name of the customer in connection with a real name verification server (not shown).

In addition, when the card with the free ride function is provided with a credit card, the validity check for issuing the card with the free ride function to the customer, the predetermined communication based on the customer information Preferably it comprises the step of confirming the credit information of the customer in conjunction with a predetermined credit rating server via means.

In addition, when the card with the free ride function is made of a check card / debit card, the validity check for issuing the card with the free ride function to the customer, based on the customer information It is preferable to include a check whether the customer account is opened and normal operation in connection with the financial institution server opened the customer account associated with the check card / debit card through a predetermined communication means.

In addition, the validity confirmation for issuing the card with the subway free ride function to the customer, subscriber management means (for example, subscriber information D / B 450) on the wireless communication network corresponding to the customer wireless terminal information (not shown) ) And confirming that the customer wireless terminal information is valid in association with the subscription management server (not shown).

In addition, the server is preferably made through the confirmation of the customer registration number of the customer comprises a check whether the customer is a subway free ride target customers (eg, route preferential customers, etc.).

If the validity to issue the card with the subway free ride function is not authenticated to the customer through the issuance target card information and card issuance agreement information (620), the server is the customer through the card issuing interface. The card issuance error information is provided to the customer (625), and stops issuing the card with the subway free ride function to the customer.

On the other hand, if the validity of issuing the card with the subway free ride function is authenticated to the customer through the issuance target card information and card issue agreement information (620), the server issues the issue card information and card issue agreement information. Generating (or extracting) predetermined card information corresponding to a card having a subway free ride function to be issued to the customer based on (630), and the card information corresponding to a card having the subway free ride function; Card number (eg, 16-digit card number), expiration date information (some may be omitted), card issuer information (or code), and free ride authentication information.

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

The expiration date information may include a period (or an expiration date and time) in which the card having the free ride function may be used, and is omitted if the expiration date does not exist in the card having the free ride function. The present invention is not limited thereto.

The card issuer information (or code) comprises at least one unique number (or unique code) assigned to the card issuer (or financial company) that issues the card with the subway free ride function to the customer. desirable.

The free ride authentication information is preferably made by including the at least one or more unique number (or unique code) that the card issuing customer is authorized to ride free subway, the free ride is possible through the issued card.

Thereafter, the server generates a predetermined card applet (or IC chip storage information) including the generated (or extracted) card information (635), and issues the generated card applet (or IC chip storage information). In operation 640, the target card information and the card issuance agreement information are transmitted to the customer wireless terminal through a wireless communication network corresponding to the customer wireless terminal information.

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

According to an embodiment of the present invention, the server reads the customer wireless terminal information included in the issuance target card information and the card issue agreement information to identify a wireless communication network corresponding to the customer wireless terminal information, and is connected with the wireless communication network. It is preferable to transmit the generated card applet (or IC chip storage information) to the customer wireless terminal through a predetermined applet providing server 445.

Those skilled in the art to which the present invention belongs, various methods of transmitting the card applet (or IC chip storage information) from the applet providing server 445 to the customer wireless terminal (for example, wireless message and The card applet (or IC chip storage information) transmission using the callback URL) may be inferred, but the present invention is characterized by including all implementation methods inferred.

Thereafter, the customer wireless terminal records the received card applet (or IC chip storage information) on a wireless IC chip provided in the wireless terminal, thereby providing a free subway ride corresponding to the card applet (or IC chip storage information). Issue a provided card (645).

Thereafter, the server may include card issuance information including at least one of card information D including at least one of customer information included in the issuance target card information, card issuance agreement information and the generated card information provided from the customer through the card issuance interface. Save to / B 450 (650).

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

According to one embodiment of the present invention, the card information D / B 450 is preferably provided in a DBMS on a predetermined financial system provided on the card issuing system (or associated with the card issuing system), In this case, the card information D / B 450 may be a ledger D / B provided in a DBMS on the financial system or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto. .

According to another exemplary embodiment of the present invention, the card information D / B 450 is an online payment system, or a WAP-based wireless payment system, or an IC chip-based wireless payment provided on (or associated with) the card issuing system. It is possible to be provided in a DBMS on at least one or more payment systems of the system or the tele payment system, whereby the present invention is not limited.

According to another embodiment of the present invention, the card information D / B 450 is provided on (or associated with) the card issuing system, an internet banking system, a telebanking system, a wireless banking system, or a TV. It is possible to be provided in the DBMS on at least one banking system of the banking system, whereby the present invention is not limited.

7 is a diagram illustrating a face-to-face lost information registration system for preventing the illegal use of a card having a free ride function lost according to an embodiment of the present invention.

In more detail, Figure 7 shows that a predetermined customer can prevent unauthorized use of the lost free-ride function card (or wireless terminal with IC chip with free-ride function) to the lost information registration system through a predetermined information registration interface. In order to provide card loss information including at least one of customer information, card information, and lost matter information, the lost information registration system processes the linked customer information, card information, and lost matter information included in the provided card loss information. The system configuration is to be stored in a predetermined storage medium 735, and those skilled in the art to which the present invention pertains, use of the free ride function card lost by referring to or modifying Various implementation methods for the configuration of the lost information registration system for prevention may be inferred, but the present invention provides Includes all embodiments and methods, it shall not be limited to the exemplary method shown in the figure 7.

Hereinafter, a configuration corresponding to at least one or more means or functional configuration for storing the card loss information provided from the customer on the storage medium 735 via a predetermined information registration interface on the lost information registration system shown in FIG. The element is referred to as "information registration server 700" for convenience.

Referring to FIG. 7 according to an embodiment of the present invention, a loss information registration system for preventing the illegal use of the lost free ride function card includes an information registration including a teller terminal provided at at least one financial institution branch. Characterized in that it comprises a terminal, the information registration terminal is connected to the communication channel and the information registration server 700 provided on the lost information registration system through a predetermined financial network.

According to one embodiment of the present invention, the customer visits the financial institution branch to prevent fraudulent use of the lost free ride function card, and through a window provided at the financial institution branch (or through a cashier). ) Fill out a prescribed application form to prevent fraudulent use of a lost free ride function card (e.g., a document with a form for filling in at least one information item to prevent fraudulent use of a lost free ride function card). When the completed application is submitted to the counter clerk, the counter clerk inputs (or selects) the information written in the application through a predetermined counter terminal, and the counter terminal displays the input (or selected) information. It is preferable to transmit to the information registration server 700 provided on the lost information registration system through a financial network.

Here, the teller terminal preferably comprises a manager terminal used by the teller staff provided at the branch of the financial institution, the information registration server 700 connected to the teller terminal is a ledger provided on the predetermined financial system It is preferable to include a server, wherein the financial network connecting the window terminal and the information registration server 700 preferably comprises a branch network connecting the communication channel between the window terminal and the information registration server 700. Do.

In the lost information registration system as described above, the application prepared by the customer, the teller terminal used by the teller, and the financial network connecting the teller terminal and the information registration server 700 is free of the lost customer. Performs a function of an information registration interface for registering card loss information in order to prevent unauthorized use of the card having a riding function.

The storage medium 735 provided on the lost information registration system according to the present invention stores the predetermined information by linking the customer information, the card information, and the lost matter information included in the lost card information provided from the information registration terminal. Characterized in that it is stored in the medium 735, the card loss information including at least one of the customer information, card information, lost information stored in the storage medium 735 is illegal Used to prevent use.

The customer information includes personal information (eg, customer name, resident registration number, address, wireless terminal information (or mobile number), e-mail address, etc.) of the customer who has issued the card with the free ride function, and the customer issues the card with the card issuing server. It is preferable to include at least one member information (for example, member ID information) subscribed to.

Preferably, the card information includes a card number corresponding to a card having a free ride function issued by the customer.

The lost matter information is preferably made, including the place, date and time that the customer lost the card with the free ride function.

According to an embodiment of the present invention, the storage medium 735 is preferably provided in a DBMS on a financial system provided on the lost information registration system (or associated with the lost information registration system). The storage medium 735 may be a ledger D / B provided in the DBMS on the financial system or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 735 is one of an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the lost information registration system. It is possible to be provided in the DBMS on at least one banking system, whereby the present invention is not limited.

The information registration server 700 provided on the lost information registration system according to the present invention is a generic term for the components of the lost information registration system connected to the information registration terminal through a predetermined financial network, and includes at least one server ( Or an apparatus) or at least one or more programs recorded on a recording medium provided in a predetermined server (or apparatus), and the present invention is not limited thereto.

According to an embodiment of the present invention, when the information registration terminal is a window terminal connected to a predetermined financial network, the information registration server 700 is provided on a financial system connected to the window terminal through a predetermined financial network. It may be a ledger server, or a server (or device) provided in the external system on the financial system, or a program provided in the external system on the financial system, and the present invention is not limited thereto.

According to the embodiment of the present invention, the information registration server 700 is characterized in that it comprises an interface unit 705 for connecting and managing a predetermined communication channel with the information registration terminal through the financial network.

According to an embodiment of the present invention, when the information registration terminal is a window terminal connected to a predetermined financial network, the interface unit 705 communicates with the window terminal based on a protocol stack defined in the financial network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) by connecting a channel and using a communication protocol defined in a financial transaction related program provided in the window terminal.

Referring to FIG. 7, the information registration server 700 connects a communication channel with the information registration server 700 through the interface unit 705 and then connects the communication unit 705 with the interface unit 705. An interface providing unit 710 for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined card loss information from the information registration terminal to the information registration terminal in association with the interface; An information receiving unit 715 for receiving predetermined card loss information input (or selected) and transmitted from the information registration terminal through the user interface in conjunction with the unit 705 and validity of the received card loss information. Validation unit 720 for confirming and the customer information, card information, lost matters information contained in the card loss information is confirmed and stored in a predetermined process Provided with a body 735, an information storage unit 725 and the information providing unit to be stored by transferring the information to the card using the card is lost terminal (or device) 730 for storing the characterized in that is made.

The interface providing unit 710 connects a communication channel with the information registration server 700 through the interface unit 705 after the predetermined information registration terminal corresponds to the functional configuration provided in the information registration terminal. Input a card loss information (or select) to generate a predetermined user interface that can be transmitted to the information registration server 700 through the financial network, or extracted from a predetermined database (not shown), the interface unit In operation 705, the generated (or extracted) user interface may be provided to the information registration terminal through the financial network.

According to another embodiment of the present invention, predetermined information having at least one user interface for inputting (or selecting) the card loss information to the information registration terminal and transmitting the card loss information to the information registration server 700 through the financial network. When the registration program is provided, the interface providing unit 710 for providing the user interface to the information registration terminal may be omitted, and the present invention is not limited thereto.

Thereafter, the information registration terminal inputs (or selects) card loss information including at least one of the customer information, card information, and lost item information based on the user interface, and the input (or selected) card loss information. To transmit to the information registration server 700 through the financial network.

According to an embodiment of the present invention, when the information registration terminal is a window terminal connected to a predetermined financial network, the interface providing unit 710 may provide a predetermined user interface that can be provided by a financial transaction related program included in the window terminal. It is preferable to generate (or extract) and provide the generated (or extracted) user interface to the window terminal through the interface unit 705.

When the information receiving unit 715 inputs (or selects) card loss information including at least one of customer information, card information, and lost item information through the user interface through the user interface, and transmits the information through the financial network, The card loss information may be received in association with the interface unit 705, and the received card loss information is provided to the validity check unit 720.

The validity confirming unit 720 is characterized in that whether the card loss information received from the information registration terminal satisfies the validity for preventing unauthorized use of the free ride function mounted card.

According to the method of the present invention, the validity check of the card loss information is confirmed whether at least one ledger information matching the card loss information is registered in the ledger D / B on the financial system associated with the lost information registration system It is preferable that it consists of including.

For example, the validity check on the card loss information confirms whether the customer information included in the card loss information matches the customer ledger / account ledger stored in the ledger D / B on the financial system associated with the lost information registration system. It is preferable to include.

For example, the validity check on the card loss information includes checking whether the card information included in the card loss information matches card information stored in card information D / B on a financial system associated with the lost information registration system. It is preferable to make.

When the validity of the card loss information is confirmed, the information storage unit 725 stores the information on the storage medium 735 by integrating the customer information, the card information, and the lost information included in the card loss information. If the storage medium 735 is provided in the information registration server 700 or on the network associated with the information registration server 700, the information storage unit 725 is the received card. Customer information, card information, lost matter information included in the lost information is preferably stored in the storage medium 735, the storage medium 735, if the storage medium 735 is provided in the DBMS provided on the financial system, The information storage unit 725 provides customer information, card information, and lost matter information included in the received card loss information to an information system through an external system on the financial system and stores the information in a DBMS provided on the financial system. Is preferred.

When the card loss information is stored in the storage medium 735 through the information storage unit 725, the information providing unit 730 stores the card lost information stored in the storage medium 735. Characterized in that it is provided to the terminal (or device), the card loss information is stored in the card (terminal) (or device).

8 is a diagram illustrating a process of registering card loss information in a face-to-face manner according to an embodiment of the present invention.

In more detail, FIG. 8 illustrates a case in which the information registration server 700 on the lost information registration system shown in FIG. 7 has a ledger server (not shown) function on the financial system linked to the counter terminal through a predetermined financial network. In the above, the window terminal is connected to the information registration server 700 and connected to the communication channel for registering lost information according to the present invention, the customer information to the information registration server 700 through the communication channel, When the card loss information including card information and lost matter information is transmitted, the predetermined information is stored by linking the customer information, card information, and lost matter information included in the received card loss information in the information registration server 700. The present invention relates to a method of storing in the medium 735, and a person skilled in the art to which the present invention pertains can refer to or modify the drawing of FIG. Various implementation methods for registering the card loss information with the information registration server 700 may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 8, the window terminal shown in FIG. 7 is referred to as "terminal" for convenience, and the information registration server 700 shown in FIG. 7 is called "server" for convenience, and the information is registered in the window terminal. The customer information, card information, and lost information transmitted to the server 700 are referred to as "card loss information" for convenience.

Referring to FIG. 8, a window terminal shown in FIG. 7 connects to a server through a predetermined financial network to connect a predetermined communication channel for registering the card loss information, and the card with the lost free ride function. When requesting registration of the lost card information to prevent unauthorized use of the server (800), the server generates (or extracts) a predetermined information registration interface for registering the lost card information (805), and through the communication channel. The generated (or extracted) information registration interface is transmitted to the terminal and output (810).

According to an embodiment of the present invention, the information registration interface preferably comprises a user interface for inputting (or selecting) card loss information including at least one of the customer information, card information, and lost matter information in the terminal. Do.

Thereafter, the terminal inputs (or selects) card loss information including at least one or more customer information, card information, and lost item information through the information registration interface (815).

If the terminal receives (or selects) card loss information including the customer information, card information, and lost items information through the information registration interface (820), the terminal inputs (or selects) through the financial network. In step 825, card loss information including the lost customer information, card information, and lost information is transmitted to the server.

Thereafter, the server receives and reads the customer information, the card information, and the lost item information through the financial network to confirm the validity of the card loss information (830).

According to the method of the present invention, the validity check of the card loss information is confirmed whether at least one ledger information matching the card loss information is registered in the ledger D / B on the financial system associated with the lost information registration system It is preferable that it consists of including.

For example, the validity check on the card loss information confirms whether the customer information included in the card loss information matches the customer ledger / account ledger stored in the ledger D / B on the financial system associated with the lost information registration system. It is preferable to comprise.

For example, the validity check on the card loss information includes checking whether the card information included in the card loss information matches card information stored in card information D / B on a financial system associated with the lost information registration system. It is preferable to make.

If the validity of the card loss information is not authenticated (835), the server generates predetermined information registration error information and transmits it to the terminal (840), and does not perform an information registration procedure corresponding to the card loss information. Do not.

On the other hand, if the validity of the card loss information is authenticated (835), the server performs an information registration procedure corresponding to the card loss information, by linking the customer information, card information, lost information information to a predetermined storage medium Store at 735 (845).

According to an embodiment of the present invention, the storage medium 735 is preferably provided in a DBMS on a financial system provided on the lost information registration system (or associated with the lost information registration system). The storage medium 735 may be a ledger D / B provided in the DBMS on the financial system or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 735 is provided on (or associated with) the lost information registration system, an internet banking system, a telebanking system, a wireless banking system, or a TV banking system. It is possible to be provided in at least one of the DBMS on the banking system, whereby the present invention is not limited.

Thereafter, the server generates predetermined information registration history information and transmits it to the terminal (850), thereby completing the procedure of registering the card loss information transmitted from the terminal.

In addition, the server provides the card loss information stored in the storage medium 735 to a card using terminal (or device) that the card is used, the card loss information is stored in the card using terminal (or device) (855).

FIG. 9 is a diagram illustrating a non-face-to-face lost information registration system for preventing the illegal use of a lost free ride function card according to another embodiment of the present invention.

In more detail, Figure 9 shows at least one customer information, card information, lost matter information for a predetermined customer to prevent fraudulent use of the lost free ride function card with a lost information registration system through a predetermined information registration interface. When providing lost card information including, the lost information registration system in the system configuration for storing the stored information in the predetermined storage medium 945 by linking the customer information, card information, lost information included in the provided card loss information For those of ordinary skill in the art to which the present invention pertains, various implementation methods for configuring a lost information registration system for preventing misuse of a card having a free ride function which are lost by referring to or modifying this drawing are provided. It may be inferred, but the present invention includes all implementation methods inferred from the above, It shall not be limited to the exemplary method.

Hereinafter, a configuration corresponding to at least one or more means or functional configuration for storing the card loss information provided from the customer on the storage medium 945 via a predetermined information registration interface on the lost information registration system shown in FIG. The element is referred to as "information registration server 900" for convenience.

Referring to FIG. 9 according to an embodiment of the present invention, a loss information registration system for preventing unauthorized use of the lost free ride function card includes a client terminal including at least one wired terminal or a wireless terminal used by a customer. And an information registration terminal including at least one or more information, wherein the information registration terminal is connected to the information registration server 900 provided on the lost information registration system through a predetermined network means. do.

According to an embodiment of the present invention, the customer accesses the information registration server 900 through at least one or more client terminals of a wired terminal connected to a predetermined wired communication network or a wireless terminal connected to a predetermined wireless communication network, When the card loss information is input (or selected) for preventing the illegal use of the lost free ride function card through at least one user interface provided by the information registration server 900, the client terminal selects a predetermined network means. It is preferable to transmit to the information registration server 900 provided on the lost information registration system.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network, and 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 communication network is any terminal device connected to a mobile communication network based on CDMA (Code Division Multiple Access), or all terminal devices connected to the portable Internet based on IEEE 802.16x, 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 comprises a data communication terminal, such as at least one is preferable.

The information registration server 900 connected to the client terminal may be either an internet banking server, a wireless banking server, a tele banking server, a TV banking server, or the information registration according to the characteristics of the client terminal and network means. 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 900 may be a CDMA based mobile communication network or a wireless Internet based on IEEE 802.16x or DataTAC / Mobitex based on the type of wireless communication 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 user interface provided by the information registration server 900, and inputs or selects at least one information through the user interface to transmit to the information registration server 900. It is preferable that a function configuration (for example, a browser program and a communication function, or a predetermined communication program and a communication function to communicate with the information registration server 900, etc.) is provided.

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

In the loss 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 communication network or wireless connecting the client terminal and the information registration server 900. The communication network performs a function of an information registration interface for registering the card lost information in order to prevent the customer from illegally using the lost free ride function-loaded card.

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 predetermined call connected to a wired telephone network such as a financial automation device (not shown) including a CD, or 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 lost information registration system as described above, when the information registration terminal is the financial automatic device (not shown), the financial automatic device (not shown), the financial automated device (not shown), and the information registration server 900 are described. The financial network that connects) performs a function of an information registration interface for registering the card loss information in order to prevent the customer from misusing the lost free ride function-mounted card, or the information registration terminal is connected to the call terminal ( (Not shown), a wired telephone network or a wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the information registration server 900 may be used by the customer. The financial institution that performs the function of the information registration interface for registering card loss information to prevent unauthorized use, or the information registration terminal In the case of a terminal (or server) (not shown) provided in an institution affiliated with the company, the terminal (or server) (not shown) and the terminal (or server) (not shown) are connected to the information registration server 900. The network performs a function of the information registration interface for registering the card loss information for the customer to prevent the illegal use of the lost free ride function card.

The storage medium 945 provided on the lost information registration system according to the present invention stores the predetermined information by cooperatively processing the customer information, card information, and lost item information included in the card lost information provided from the information registration terminal. Characterized in that it is stored in the medium 945, the card loss information including at least one or more of the customer information, card information, lost information stored in the storage medium (945) of the lost free ride function card Used to prevent use.

The customer information includes personal information (eg, customer name, resident registration number, address, wireless terminal information (or mobile number), e-mail address, etc.) of the customer who has issued the card with the free ride function, and the customer issues the card with the card issuing server. It is preferable to include at least one member information (for example, member ID information) subscribed to.

Preferably, the card information includes a card number corresponding to a card having a free ride function issued by the customer.

The lost matter information is preferably made, including the place, date and time that the customer lost the card with the free ride function.

According to an embodiment of the present invention, the storage medium 945 is preferably provided in a DBMS on a financial system provided on the lost information registration system (or associated with the lost information registration system). Storage medium 945 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.

According to another exemplary embodiment of the present invention, the storage medium 945 may be one of an internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the lost information registration system. It is possible to be provided in the DBMS on at least one banking system, whereby the present invention is not limited.

The information registration server 900 provided on the lost information registration system according to the present invention is a generic term for the components of the lost information registration system connected to the information registration terminal through a predetermined network means, and includes at least one server ( Or an apparatus) or at least one or more programs recorded on a recording medium provided in a predetermined server (or apparatus), and the present invention is not limited thereto.

According to 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 900 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 900 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 900 is located on the telebanking system. A predetermined telebanking server (for example, an Automatic Response Service (ARS) server) or 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 provided 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 900 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 900 is characterized by comprising an interface unit 905 for connecting and managing a predetermined communication channel with the information registration terminal through the network means.

According to an exemplary embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 905 is based on a protocol stack defined in the wired communication network or a wireless communication network. By connecting the predetermined communication channel with the client terminal, it is preferable to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in the communication program provided in the client terminal.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 905 connects a communication channel with the client terminal based on the TCP / IP protocol, Provides a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) or information using the HTTP protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the information registration server 900, the interface unit 905 is based on the TCP / IP protocol and the client terminal. And a communication channel and provide a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 905 is based on the protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for connecting at least one communication channel with a 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 905 connects a communication channel with the client terminal based on the CDMA protocol. In addition, a communication interface for transmitting and receiving a web page (eg, a WML (Wireless Markup Language) compatible web page, or an HTML compatible web page) or information is provided using a WAP / ME protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip-based banking program) provided by the information registration server 900, the interface unit 905 is based on the CDMA protocol. It connects a communication channel with a terminal and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the information registration terminal is a financial automation device connected to a predetermined financial network, the interface unit 905 is based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel with 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 call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface unit 905 is a voice call defined in the wired telephone network or a wireless telephone network. It is preferable to 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 905 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. do.

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 905 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 would be desirable to provide a communication interface for the present invention.

Referring to FIG. 9, the information registration server 900 connects a communication channel with the information registration server 900 through the interface unit 905 and then connects the communication unit 905 with the interface unit 905. An interface providing unit 910 for generating (or extracting) a predetermined user interface for inputting (or selecting) predetermined card loss information from the information registration terminal and providing the information registration terminal to the information registration terminal; An information receiving unit 915 for receiving predetermined card loss information input (or selected) and transmitted from the information registration terminal through the user interface in association with the unit 905; and the information contained in the received card loss information. An information storage unit 925 for storing customer information, card information, and lost information in a predetermined storage medium 945 and the card loss information using a card terminal (or device). Characterized in that it comprises an information providing unit 930 to transmit and store to.

The interface providing unit 910 connects a communication channel with the information registration server 900 through the interface unit 905 through the interface unit 905, and then corresponds to the functional configuration provided in the information registration terminal. Generate a predetermined user interface capable of inputting (or selecting) card loss information and transmitting it to the information registration server 900 through the network means, or extracting from a predetermined database (not shown), and extracting the interface unit ( In operation 905, 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 loss information including at least one of the customer information, card information, and lost item information based on the user interface, and the input (or selected) card loss information. It is transmitted to the information registration server 900 through the financial network.

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 communication network or a wireless communication network, the interface providing unit 910 is provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided as a browser program or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 905.

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 910 may be provided as a financial transaction related program provided in the financial automation device. It is preferable to generate (or extract) a user interface of the, and provide the generated (or extracted) user interface to the automatic teller machine through the interface unit 905.

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 communication network, the interface providing unit 910 is a browser program or communication provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided by a program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 905.

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 910 may be provided to the call terminal (not shown). Generating (or extracting) a predetermined user interface and providing the generated (or extracted) user interface (eg, ARS based user interface) to the call terminal (not shown) through the interface unit 905. It is preferable.

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 910 is connected to the wired terminal (or two-way digital TV). It is preferable to generate (or extract) a predetermined user interface that can be provided, and to provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 905.

According to another embodiment of the present invention, predetermined information having at least one user interface for inputting (or selecting) the card loss information to the information registration terminal and transmitting the card loss information to the information registration server 900 through the network means. When the registration program is provided, the interface providing unit 910 for providing the user interface to the information registration terminal may be omitted, and the present invention is not limited thereto.

When the information receiving unit 915 inputs (or selects) card loss information including at least one of customer information, card information, and lost items information through the user interface through the user interface, and transmits the information through the network means. And the card loss information in conjunction with the interface unit 905, and provides the received card loss information to the validity checker 920.

The validity check unit 920 is characterized in that the card loss information received from the information registration terminal to confirm whether the validity for preventing the unauthorized use of the free ride function mounted card.

According to the method of the present invention, the validity check of the card loss information is confirmed whether at least one ledger information matching the card loss information is registered in the ledger D / B on the financial system associated with the lost information registration system It is preferable that it consists of including.

For example, the validity check on the card loss information confirms whether the customer information included in the card loss information matches the customer ledger / account ledger stored in the ledger D / B on the financial system associated with the lost information registration system. It is preferable to comprise.

For example, the validity check on the card loss information includes checking whether the card information included in the card loss information matches card information stored in card information D / B on a financial system associated with the lost information registration system. It is preferable to make.

When the validity of the lost card information is confirmed, the information storage unit 925 stores the stored information in the storage medium 945 by linking and processing the customer information, the card information, and the lost information included in the lost card information. If the storage medium 945 is provided in the information registration server 900 or on the network associated with the information registration server 900, the information storage unit 925 is the received card. Customer information, card information, lost matter information contained in the lost information is preferably stored in the storage medium 945, the storage medium 945 is provided in the DBMS provided on the financial system, The information storage unit 925 provides customer information, card information, and lost matter information included in the received card loss information to an information system through an external system on the financial system and stores the information in a DBMS provided on the financial system. Is preferred.

When the card loss information is stored in the storage medium 945 through the information storage unit 925, the information providing unit 930 stores the card loss information stored in the storage medium 945. Characterized in that it is provided to the terminal (or device), the card loss information is stored in the card (terminal) (or device).

According to an embodiment of the present invention, the server is an information generation unit 935 for generating lost card use stop information to be transmitted to the customer wireless terminal when the customer lost card is an IC chip mounted on the customer wireless terminal, and the generation. The lost card use stop information can be configured to further include a remote mounting unit 940 mounted remotely by transmitting to the customer wireless terminal.

Here, the lost card use stop information is mounted on the customer wireless terminal to change the card use function stored in the IC chip to an inactive state, so that the card can no longer be used.

FIG. 10 is a diagram illustrating a process of registering card loss information in a non-face-to-face manner in order to prevent misuse of a card having a free ride function lost according to an exemplary embodiment of the present invention.

In more detail, in FIG. 10, when the information registration server 900 on the lost information registration system shown in FIG. 9 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 900 and connecting the communication channel for registering lost information according to the present invention, the customer information, card information, lost matter information to the information registration server 900 through the communication channel When the card loss information is transmitted, the information registration server 900 stores the information on the predetermined storage medium 945 by cooperatively processing the customer information, the card information, and the lost information included in the received card loss information. As a method of implementation, those of ordinary skill in the art to which the present invention pertains may refer to or modify this drawing 10 to the client terminal. Although various implementation methods for registering the card loss information with the information registration server 900 may be inferred, the present invention includes all the implementation methods inferred and is not limited to the implementation method shown in FIG. No.

Hereinafter, in FIG. 10, the client terminal illustrated in FIG. 9 is referred to as a “terminal” for convenience, and the information registration server 900 illustrated in FIG. 9 is referred to as a “server” for convenience, and the information registration is performed in the client terminal. The customer information, card information, and lost information transmitted to the server 900 are referred to as "card loss information" for convenience.

Referring to FIG. 10, the client terminal illustrated in FIG. 9 is a predetermined network means (e.g., when the client terminal is a wired terminal, a TCP / IP based wired communication network, and when the client terminal is a wireless terminal, CDMA based mobile). The card for accessing the server through a communication network or an IEEE 802.16x-based portable Internet, etc., for connecting a predetermined communication channel for registering the card loss information, and for preventing unauthorized use of the lost free-ride function card. When requesting the loss information registration (900), the server generates (or extracts) a web page corresponding to a predetermined information registration interface for registering the card loss information (1005), and generates (or through the communication channel) The extracted web page is transmitted to the terminal and output (1010).

According to an embodiment of the present invention, the information registration interface preferably comprises a user interface for inputting (or selecting) card loss information including at least one of the customer information, card information, and lost matter information in the terminal. Do.

In addition, the web page transmission or output process is preferably performed at least once according to the card loss information registration procedure, thereby not limited to the present invention.

Thereafter, the terminal inputs (or selects) card loss information including at least one or more customer information, card information, and lost item information through the information registration interface (1015).

If the terminal receives (or selects) card loss information including the customer information, card information, and lost item information through the information registration interface (1020), the terminal inputs (or selects) the communication channel. The customer information, card information, and lost information are transmitted to the server (1025).

According to an exemplary embodiment of the present invention, transmitting the input (or selected) customer information, card information, or lost item information to the server through the communication channel is input (or selected) through the information registration interface. It may further comprise transmitting the card loss information to the server by electronic signature or encryption through a security module provided in the terminal.

Thereafter, the server receives and reads the customer information, the card information, and the lost item information through the communication channel to check the validity of the card loss information (1030).

According to the method of the present invention, checking the validity of the card loss information, if the card loss information is electronic signature or encrypted through the security module provided in the terminal, or decrypt the card loss information, or And decrypting the card loss information.

According to the method of the present invention, the validity check of the card loss information is confirmed whether at least one ledger information matching the card loss information is registered in the ledger D / B on the financial system associated with the lost information registration system It is preferable that it consists of including.

For example, the validity check on the card loss information confirms whether the customer information included in the card loss information matches the customer ledger / account ledger stored in the ledger D / B on the financial system associated with the lost information registration system. It is preferable to include.

For example, the validity check on the card loss information includes checking whether the card information included in the card loss information matches card information stored in card information D / B on a financial system associated with the lost information registration system. It is preferable to make.

If the validity of the card loss information is not authenticated (1035), the server generates a web page including predetermined information registration error information and transmits it to the terminal (1040), and information corresponding to the card loss information. Do not perform the registration process.

On the other hand, if the validity of the card loss information is authenticated (1035), the server performs an information registration procedure corresponding to the card loss information, by linking the customer information, card information, lost information information to a predetermined storage medium Save at 945 (1045).

According to an embodiment of the present invention, the storage medium 945 is preferably provided in a DBMS on a financial system provided on the lost information registration system (or associated with the lost information registration system). Storage medium 945 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.

According to another exemplary embodiment of the present invention, the storage medium 945 may be one of an internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the lost information registration system. It is possible to be provided in the DBMS on at least one banking system, whereby the present invention is not limited.

Thereafter, the server generates a web page including predetermined information registration history information and transmits the generated web page to the terminal (1050), thereby completing the procedure of registering the card loss information transmitted from the terminal.

In addition, the server provides the card loss information stored in the storage medium 945 to a card using terminal (or device) that the card is used, the card loss information is stored in the card using terminal (or device) (1055).

11A and 11B illustrate a process of registering card loss information in a non-face-to-face manner in order to prevent misuse of a card having a free ride function which is lost according to another exemplary embodiment of the present invention.

11A and 11B illustrate the loss information registration system illustrated in FIG. 9 when the client terminal is a TCP / IP-based network in a non-faced channel based banking system. For example, after accessing the Internet banking server through the Internet and performing a predetermined customer authentication procedure, the Internet banking information about the lost card for preventing unauthorized use of the card with the free ride function lost at the client terminal is stored. When the card loss information including the customer information, card information, and lost matter information is transmitted to a server, the information registration server 900 receives the customer information, card information, and lost matter information included in the received card loss information. The present invention relates to an implementation method of interlocking and storing in a predetermined storage medium 945. Those skilled in the art will be able to infer various implementation methods for registering the card loss information from the client terminal to the information registration server 900 by referring to or modifying the drawings 11a and 11b. It includes all the inferred implementation methods, and is not limited to the implementation methods shown in FIGS. 11A and 11B.

That is, in FIGS. 11A and 11B, when accessing the Internet banking server through a predetermined browser program (eg, Microsoft Internet Explorer or Netscape's Netscape Navigator, etc.) included in the client terminal, the browser program is based on the browser program. FIG. 11 illustrates an implementation method of connecting an internet banking-based financial transaction channel for registering card loss information between the client terminal and the Internet banking server. By referring to or modifying an Internet banking-based financial transaction channel connection method using the browser program shown in FIG. 11B, card loss information registration is registered between the client terminal and the Internet banking server based on a predetermined Internet banking program mounted on the client terminal.Although it may be possible to infer an implementation method of connecting an internet banking-based financial transaction channel for the present invention, the present invention includes the provided internet banking-based financial transaction based on the internet banking program, and the present invention is not limited thereto.

In addition, those skilled in the art to which the present invention pertains, refer to or modify the Internet banking-based financial transaction channel connection method shown in Figures 11a and 11b, in addition to the Internet banking system, a telebanking system or wireless Another banking system, such as a banking system or a TV banking system, may infer an implementation method of connecting a non-face-to-face channel-based financial transaction channel for registering card loss information. It includes all kinds of non-face-to-face channel-based financial transactions, including banking systems or future proposed non-face-to-channel banking system, the technical configuration of the present invention is limited to the case of the Internet banking shown in Figures 11a and 11b Never.

11A and 11B, the client terminal is referred to as " terminal " for convenience, and the Internet banking server corresponding to the information registration server 900 is referred to as " server " for convenience.

11A and 11B, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (1100a), the server communicates between the terminal and the server through the browser. (1105a), where the communication channel is a web page generated (or extracted) by a request of a browser program provided in the terminal and transmitted to the terminal, and the browser provided in the terminal. It means that a predetermined communication session is allocated so that a program can receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page.

According to another embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server is based on a predetermined communication protocol defined in the internet banking program and at least one or more information (or Communication channel for transmitting / receiving data) can be allocated.

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal on a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, or the security module. By adding a predetermined script for checking whether or not to update to provide to the terminal, whether the predetermined security module for internet banking is mounted on the terminal, or whether to update the security module. (1110a).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server requests the version information or the last update date, etc., from the internet banking program, thereby providing the Internet banking program (or the Internet banking program). It can be checked whether or not to update the security module associated with the module.

If a predetermined security module is to be mounted or updated in the terminal (1115a), the server transmits the latest version of the security module for internet banking to the terminal according to a remote program installation procedure defined in the browser program. Or update 1120a.

If the terminal does not need to install or update the latest version of the Internet banking security module (1125a), or if the terminal does not need to load or update the Internet banking security module (1115a), the server is mounted on the terminal. By activating the security module for internet banking, to connect the security channel for internet banking (or switch the communication channel between the terminal and the server to a secure channel) between the terminal and the server (1130a), where the security channel for internet banking Attach a predetermined electronic signature to information (or data) required for security among the information (or data) included in the web page to be provided to the terminal from the server or at least one encryption method (or encryption algorithm). If encrypted and provided, the terminal checks the digital signature or corresponds to the encryption method (or encryption algorithm). Means a communication channel to decode the information (or data) by a predetermined decoding method (or decryption algorithm), and the predetermined information is provided on the information (or data) to be provided to the server for registering the card loss information in the terminal. When the digital signature is attached or encrypted and transmitted using at least one encryption method (or encryption algorithm), the server verifies the digital signature or a predetermined decryption method (or decryption) corresponding to the encryption method (or encryption algorithm). Algorithm) means a communication channel to decode the information (or data).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the Internet banking-based secure channel may be provided by the server to the terminal according to a communication protocol defined in the internet banking program (or Data is attached to a predetermined digital signature, or encrypted and provided by at least one encryption method (or an encryption algorithm), the terminal confirms the electronic signature or a predetermined function corresponding to the encryption method (or an encryption algorithm). It means a communication channel to decode the information (or data) by a decryption method (or decryption algorithm), and the predetermined digital signature is added to the information (or data) to be provided to the server for registering the card loss information in the terminal. Attached or at least one encryption scheme (or encryption) Encryption and transmission), the server verifies the digital signature or decrypts the information (or data) with a predetermined decryption method (or decryption algorithm) corresponding to the encryption method (or encryption algorithm). It means communication channel.

According to the present invention, the security module is characterized by performing an electronic signature attachment, encryption, or protection function for the information (or data) by using the certificate of the customer mounted on the terminal.

When the secure channel for internet banking is connected, the server requests the terminal to perform an internet banking customer authentication procedure through the browser program (1135a).

According to an exemplary embodiment of the present invention, the Internet banking customer authentication procedure may include predetermined Internet banking-based customer authentication data (eg, ID / PW, customer number, etc., registered by the customer during the internet banking application process) through the terminal. ) Is input (or generated) and transmitted to the server, wherein the server comprises authenticating a customer connected through the terminal as an internet banking customer based on the customer authentication data, wherein the customer authentication data It is preferable that the digital signature or encrypted is transmitted through the secure channel.

According to another exemplary embodiment of the present invention, the Internet banking customer authentication procedure may include predetermined Internet banking-based customer authentication data (for example, an ID / PW or customer number registered by the customer during the internet banking application process) through the terminal. And the like) are input (or generated) and transmitted to the authentication server, the authentication server authenticates the customer connected through the terminal as the Internet banking customer based on the customer authentication data, and provides the result to the server. In this case, it is preferable that the customer authentication data include public certificate-based authentication data, and the authentication server is a server for authenticating the public certificate-based authentication data.

Thereafter, the terminal inputs (or generates) predetermined customer authentication data in response to the request, requests an electronic banking customer authentication by electronically signing or encrypting the data through the security module, and transmitting the same to the server (or authentication server) (1140a). In operation 1145a, the server (or the authentication server) authenticates the customer connected through the terminal as the Internet banking customer for the non-face-to-face financial transaction based on the customer authentication data received from the terminal.

If the Internet banking customer authentication fails (1150a), the server blocks the Internet banking security channel for the terminal (1155a), so that the Internet banking-based financial transactions are not made through the terminal.

On the other hand, if the Internet banking customer authentication is successful (1150a), the server is connected to the security module provided in the terminal to convert the Internet banking security channel into an Internet banking-based financial transaction channel (1160a), where the Internet banking based The financial transaction channel refers to a communication channel through which predetermined card loss information can be transmitted and registered to prevent fraudulent use of the free ride function loaded card from the terminal to the server.

Thereafter, when the terminal requests internet banking-based card loss information registration to the server through the inter-banking-based financial transaction channel to register card loss information (1100b), the server may request a predetermined number of card-loss information registration. A web page corresponding to the information registration interface is generated (or extracted) (1105b), and the generated (or extracted) web page is transmitted to the terminal through the internet banking-based financial transaction channel (1110b).

According to an embodiment of the present invention, the information registration interface preferably comprises an interface for inputting (or selecting) card loss information including at least one of customer information, card information, and lost items information in the terminal. Or a predetermined password (e.g., account password) or security code (e.g. Security code printed on the security card) or OTP (One Time Password) (e.g. through the Internet banking application process (or after the banking application) generated by an OTP authenticator (or OTP certification program) provided to the customer by a financial institution. It is preferable to further include an interface for inputting a one-time password).

In addition, the web page transmission or output process is preferably performed at least once according to the card loss information registration procedure, thereby not limited to the present invention.

Thereafter, the terminal inputs (or selects) lost card information including at least one of the customer information, card information, and lost item information through the information registration interface (1115b).

If the terminal receives (or selects) card loss information including the customer information, card information, and lost items information through the information registration interface (1120b), the terminal inputs (or The card lost information is transmitted to the server (1125b).

According to the exemplary embodiment of the present invention, transmitting the card loss information input (or selected) to the server through the financial transaction channel may include card loss information input (or selected) through the information registration interface. It comprises a digital signature or encryption through the security module provided in the transmission to the server.

Thereafter, the server receives and reads the card loss information through the financial transaction channel to check the validity of the card loss information (1130b).

According to the method of the present invention, checking the validity of the card loss information, if the card loss information is electronic signature or encrypted through the security module provided in the terminal, or decrypt the card loss information, or And decrypting the card loss information.

In addition, the validity check of the card loss information, preferably, further comprises authenticating a password or security code or OTP included in the card loss information.

According to the method of the present invention, the validity check of the card loss information is confirmed whether at least one ledger information matching the card loss information is registered in the ledger D / B on the financial system associated with the lost information registration system It is preferable that it consists of including.

For example, the validity check on the card loss information confirms whether the customer information included in the card loss information matches the customer ledger / account ledger stored in the ledger D / B on the financial system associated with the lost information registration system. It is preferable to comprise.

For example, the validity check on the card loss information includes checking whether the card information included in the card loss information matches card information stored in card information D / B on a financial system associated with the lost information registration system. It is preferable to make.

If the validity of the card loss information is not authenticated (1135b), the server generates a web page including predetermined card loss information registration error information and transmits it to the terminal (1140b) and corresponds to the card loss information. Do not perform the information registration procedure.

On the other hand, if the validity of the card loss information is authenticated (1135b), the server performs an information registration procedure corresponding to the card loss information, thereby linking the customer information, card information, lost information information included in the card loss information The process then stores the data in a predetermined storage medium 945 (1145b).

According to an embodiment of the present invention, the storage medium 945 is preferably provided in a DBMS on a financial system provided on the lost information registration system (or associated with the lost information registration system). Storage medium 945 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.

According to another exemplary embodiment of the present invention, the storage medium 945 may be one of an internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the lost information registration system. It is possible to be provided in the DBMS on at least one banking system, whereby the present invention is not limited.

Thereafter, the server generates a web page including predetermined card loss information registration history information and transmits it to the terminal (1150b), thereby completing the card loss information registration transmitted from the terminal.

In addition, the server provides the card loss information stored in the storage medium 945 to a card using terminal (or device) that the card is used, the card loss information is stored in the card using terminal (or device) (1155b).

According to the present invention, it is possible to increase the new card issuance rate for the preferential customers, thereby having the advantage of customer acquisition and revenue generation.

Claims (4)

Receiving card loss information including customer information (or card information) from the terminal at the server; Checking card issuance information corresponding to the customer information at a server to determine whether the card lost customer is a card issuing customer with a free ride function; And And if the customer is a card issuing customer with a free ride function, providing the lost card information to a card using terminal and storing the card at the server. The method of claim 1, When the card with the unmanned ride function is an IC chip mounted in a customer wireless terminal, Generating lost card use stop information to be transmitted from the server to the customer wireless terminal; And And remotely transmitting the generated lost card use stop information from the server to the customer wireless terminal, wherein the lost card use stop information is remotely mounted. When card loss information including customer information (or card information) is received from a predetermined terminal, the card issuance information corresponding to the customer information is checked to determine whether the card loss customer is a card issue customer with a free ride function, A server for providing and storing the lost card information to a card user terminal when the customer is a card issuing customer with a free ride function; Card usage terminal for storing the lost card information transmitted from the server; Free ride function card fraud prevention system comprising a. The card according to claim 3, wherein the driverless card having an unmanned ride function is an IC chip mounted in a customer wireless terminal. And the server generates lost card use stop information to be transmitted to the customer wireless terminal, and transmits the generated lost card use stop information to the customer wireless terminal to remotely mount the free ride function card.

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