KR20100045047A - Sysem and method for managing plural check-card's virtual account connected with settlement account and recording medium - Google Patents

Abstract

PURPOSE: A system and a method for managing a virtual account related to a payment account per plural check cards and a recording medium therefor are provided to connect check cards with one payment account using a virtual account, thereby effectively managing the check cards through the virtual account. CONSTITUTION: If a user interface for managing a virtual account is requested(400), a server generates a user interface for transmitting check card issuing application information(405). The generated user interface is transmitted to a terminal(410). The terminal inputs the check card issuing application information(415). The terminal transmits the inputted check card issuing application information to the server through a financial network(425).

Description

Sysem and Method for Managing Plural Check-Card's Virtual Account Connected with Settlement Account and Recording Medium}

1 is a diagram illustrating a face-to-face check card issuing system for operating a virtual account for each of a plurality of check cards associated with a single payment account according to an embodiment of the present invention.

Figure 2 illustrates the configuration of the check card issuing information stored in the ledger D / B provided in the DBMS on the financial system in a face-to-face manner for the operation of a virtual account for each of the multiple check card associated with a single payment account according to an embodiment of the present invention Drawing.

3A and 3B illustrate a process of registering check card issuing application information in a face-to-face manner according to one embodiment of the present invention.

Figure 4 is a and Figure 4b is a diagram illustrating a process of registering the check card issuing application information in a face-to-face according to another embodiment of the present invention.

5A and 5B illustrate a process of registering check card issuing application information in a face-to-face manner according to another exemplary embodiment of the present invention.

6 is a diagram illustrating a non-face-to-face check card issuing system for operating a virtual account for each of a plurality of check cards associated with a single payment account according to another embodiment of the present invention.

7 is a check card issuance application information stored in the ledger D / B provided in the DBMS on the financial system in a non-face-to-face operation to operate a virtual account for a plurality of check cards associated with a single payment account according to an embodiment of the present invention Figure is shown.

8A and 8B illustrate a process of registering check card issuing application information in a non-face-to-face manner to operate a virtual account for a plurality of check cards associated with a single payment account according to an embodiment of the present invention.

9A, 9B and 9C illustrate a process of registering check card issuance application information through a non-face-to-face financial transaction channel for operating virtual accounts for multiple check cards associated with a single payment account according to an embodiment of the present invention. One drawing.

<Description of main parts of drawing>

100: check card issuing server 105: interface unit

110: interface providing unit 115: information receiving unit

120: image receiving unit 125: validating unit

130: information generation unit 131: information confirmation unit

133: ledger processing unit 135: electronic document generation unit

140: electronic document transmission unit 145: information storage unit

150: card issuer 155: electronic document server

160: electronic document receiving unit 165: information generating unit

170: electronic document storage unit 175: electronic document D / B

180: storage medium 185: card issuing device

190: card issuing terminal 195: counter terminal

The present invention relates to a card ledger operating a check card for processing transaction approval through a withdrawable amount of a virtual account having a payment account as a parent account, and a financial ledger connected to a virtual account ledger operating the virtual account one-to-one. Issuing a new Nth (N = 2,3, ...) check card for requesting a transaction using a portion (or the total amount) of the payment account balance corresponding to the account ledger, or When a request is made to change an N (N = 2,3, ...) check card linked account that uses a portion (or all) of the corresponding payment account balance to the payment account, the payment account is used as the parent account. Checking whether the at least one card ledger operating a check card for processing the transaction approval through the withdrawal amount of the virtual account is connected to the virtual account ledger; If at least one card ledger is connected to the account ledger, generating card ledger information for operating the N-th check card, and adding an N-th virtual account ledger with the payment account as the parent account to the account ledger. Connecting to the N-th virtual account ledger and adding the N-th card ledger corresponding to the N-th check card, and storing the generated N-th card ledger information including the generated card ledger information. It relates to a virtual account operation method for each of a plurality of check cards associated with the payment account, including.

As the development of the financial industry and the development of information and communication technology are mutually fused, financial services, which have been provided by recording a paper with a bank account in the past, are used by using an electronic bank account, and further, various financial services using a card are provided.

However, in the case of the method of providing a plurality of credit cards in one payment account, the card is a service provided by considering only the credit level regardless of the balance of the payment account due to the characteristics of the credit card. There is a problem that reckless spending can increase.

Therefore, in order to solve this problem, a check card is provided, but in the case of a check card, only one check card is provided in one payment account, and a customer who wants to use a plurality of check cards has a plurality of payment accounts and check cards, respectively. There is a difficult problem to be provided.

An object of the present invention for solving the above problems is a card ledger for operating a check card for processing transaction approval through the withdrawable amount of a virtual account having a payment account as a parent account, and a virtual account ledger for operating the virtual account. In a system of operating a one-to-one financial ledger, a new N (N = 2,3, ...) check card issuing, which uses a portion (or all) of the balance of the payment account corresponding to the account ledger for transaction approval. The request for change of the (N = 2,3, ...) check card linked account using the portion (or the total amount) of the payment account balance corresponding to the account ledger to the payment account. If there is, at least one card ledger for operating a check card for processing the transaction approval through the withdrawal amount of the virtual account to the virtual account ledger with the payment account as the parent account, A means for generating card ledger information for operating the N-th check card if the means for checking is connected to the virtual account ledger with one or more card ledgers; Means for adding an N virtual ledger to the account ledger and connecting to the N th virtual ledger by adding an N th ledger corresponding to the N th check card; The present invention provides a virtual account management system for each of a plurality of check cards associated with a payment account including means for storing the card ledger information.

A card ledger for operating a check card for processing transaction approval through a withdrawable amount of a virtual account having a payment account according to the present invention, and a virtual ledger for operating a virtual account led by a virtual account ledger connected one-to-one. The method may include requesting issuance of a new Nth (N = 2,3, ...) check card that uses a portion (or the entire amount) of the payment account balance corresponding to the account ledger, or to the account ledger. When a request is made to change an N (N = 2,3, ...) check card linked account that uses a portion (or all) of the corresponding payment account balance to the payment account, the payment account is used as the parent account. Checking whether the at least one card ledger operating a check card for processing a transaction approval through the withdrawal amount of the virtual account is connected to the virtual account ledger; and as a result of the checking, the virtual If at least one card ledger is connected to the account ledger, generating card ledger information for operating the N-th check card, and adding an N-th virtual account ledger with the payment account as the parent account to the account ledger. And adding and connecting the N-th card ledger corresponding to the N-th check card to the N-th virtual account ledger, and storing the generated card ledger information in the N-th card ledger. Characterized in that made.

According to the present invention, a method of operating a virtual account for a plurality of check cards associated with a payment account includes a right to use a check card for processing a transaction approval through a withdrawable amount of the virtual account to a virtual account ledger having the payment account as a parent account. Generating permission information for setting a one-day usage date, a subject of use, and at least one remaining balance of the parent account for the virtual account; and a card ledger operating the check card with the generated permission information. Including a virtual account ledger connected to the storage characterized in that it further comprises the step of storing.

On the other hand, it includes a computer-readable recording medium, characterized in that for recording a program for executing a virtual account operating method for each of the plurality of check cards associated with the above-mentioned payment account.

On the other hand, the card ledger operating a check card for processing the transaction approval through the withdrawable amount of the virtual account having a payment account according to the present invention and the virtual account ledger operating the virtual account one-to-one The operating system is requested to issue a new Nth (N = 2,3, ...) check card that uses a portion (or the total amount) of the payment account balance corresponding to the ledger for transaction approval, or the account. When a request is made to change an N (N = 2,3, ...) check card linked account that uses a portion (or all) of the payment account balance corresponding to the ledger to the payment account, the payment account is transferred to the mother account. Means for checking whether one or more card ledgers operating a check card for processing a transaction approval through the withdrawable amount of the virtual account are connected to the virtual account ledger, and the result of the check, Means for generating card ledger information for operating the N-th check card, and an N-th virtual account ledger with the payment account as the parent account when the one or more card ledgers are connected to the virtual ledger. And means for adding and connecting the N-th card ledger corresponding to the N-th check card to the N-th virtual account ledger, and storing the generated card ledger information in the N-th card ledger. It characterized in that it comprises a means.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. In addition, terms to be described below are terms defined in consideration of functions in the present invention, which may vary according to a user's or operator's intention or custom. 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 the terms so that those skilled in the art to clearly understand the technical features of the present invention to effectively understand, but the present invention It is by no means limited.

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

1 is a diagram illustrating a face-to-face check card issuing system for operating a virtual account for each of a plurality of check cards associated with a single payment account according to an embodiment of the present invention.

In more detail, FIG. 1 illustrates that when a predetermined customer fills out and submits a check card issuance application form including at least one of customer information and payment account information to operate a virtual account for a plurality of check cards associated with a single payment account, The terminal 195 acquires a predetermined image content corresponding to the check card issuing application through a predetermined image acquisition device, and corresponds to the check card issuing application to the check card issuing system through a predetermined card issuing interface. When the check card issuing application information and the image content obtained from the check card issuing application are provided, a predetermined check card issuing application electronic document including the image content is generated and stored in a predetermined electronic document storage, and the check card Check based on the customer information and payment account information included in the application information As for a system configured to process a de issued, it will conduct for a way to specifically, the electronic document repository is provided on the external system associated with the check card issuance system via a predetermined communication means.

Those skilled in the art to which the present invention pertains, various implementation methods for the configuration of a check card issuing system for operating a virtual account for each of the plurality of check cards associated with a single payment account by referring to and / or modifying the Figure 1 Although it can be inferred, the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

For example, one of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 1 to infer an implementation method provided in a DBMS in which the electronic document repository is located in the check card issuing system. It will be appreciated that the present invention includes all implementation methods inferred above and is not limited to the implementation method illustrated in FIG.

In addition, according to the implementation method shown in FIG. 1, the check card issuance request electronic document corresponding to the check card issuance application will be described as being generated by the server side on the check card issuing system. The check card issuance request electronic document is not limited thereto, and the check card issuance request electronic document may be generated at a terminal that acquires image content corresponding to the check card issuance application through a predetermined image acquisition device (for example, an electronic device provided at the server side). The document generation function is provided on the terminal side to generate the check card issuance request electronic document), whereby the present invention is not limited.

Hereinafter, a check card issuing application electronic document is received by receiving check card issuing application information and image contents corresponding to the check card issuing application prepared by the customer through a predetermined card issuing interface on the check card issuing system shown in FIG. To generate and store in a predetermined electronic document storage, corresponding to at least one means and / or functional configuration for processing issuance of the check card based on the customer information, payment account information included in the check card issuance application information The element is referred to as "check card issuing server 100" for convenience.

Referring to FIG. 1 according to an embodiment of the present invention, a check card issuing system for operating a virtual account for each of a plurality of check cards associated with a single payment account is provided in at least one financial institution branch (or branch). And a card issuing terminal 190 including a terminal 195, wherein the card issuing terminal 190 is a check card issuing server provided on the check card issuing system through a predetermined financial network. The communication channel 100 is connected.

According to an exemplary embodiment of the present invention, the customer visits the financial institution branch (branch branch) for operating a virtual account for each of the plurality of check cards associated with the single payment account, and the window provided at the financial institution branch branch (branch branch). Application for issuing a predetermined check card for the operation of a virtual account for each of the plurality of check cards associated with the single payment account (or through a cashier) (eg, for operating a virtual account for each of the plurality of check cards associated with the single payment account). A document having a form for filling in at least one information item), wherein the customer seals the customer's seal for the legal basis for the check card issuance application.

Thereafter, when the customer submits the completed check card issuance application to the counter employee, the counter staff scans the check card issuance application through a predetermined image acquisition device to acquire predetermined image contents, and the predetermined counter terminal ( Input (or select) image information obtained in response to the application for issuing the check card, at least one check card issuing application information including at least one of customer information and payment account information written in the application for issuing the check card. Correspondingly, the window terminal 195 preferably transmits the image content and the check card issuing application information to the check card issuing server 100 provided on the check card issuing system through the financial network.

Here, the window terminal 195 preferably comprises a financial terminal used by the employee of the branch (or branch) of the financial institution, the check card issuing server 100 connected to the window terminal 195 is the predetermined It is preferable to include a server (eg, ledger server, etc.) provided on the financial system of the, the financial network connecting the teller terminal 195 and the check card issuing server 100 is the teller terminal 195 It is preferable to include a party network for connecting the communication channel between the check card issuing server 100.

In the check card issuing system as described above, an image acquiring device for acquiring image contents corresponding to the check card issuance application written by the customer, the counter terminal 195 and the counter terminal 195 and the counter terminal 195 used by the employee. The financial network connecting the check card issuing server 100 performs a function of a card issuing interface for registering a check card issuing application information for the customer to operate a virtual account for each of the plurality of check cards associated with the single payment account.

The storage medium 180 provided on the check card issuing system according to the present invention is based on the check card issuing application information including one or more of the customer information and payment account information provided from the card issuing terminal 190. After issuing a check card to the customer, characterized in that for storing the check card issuance information including one or more customer information, payment account information, card information according to the issuance of the check card.

The customer information includes personal information of the customer (for example, name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) of the customer who filled out the application for issuing the check card, and member information of the customer (for example, Member ID information, CIF (Customer Information File) number, etc. provided in the customer ledger provided on the financial system associated with the check card issuing system in response to the customer by subscribing as a financial transaction customer of the financial institution; It is preferable to include at least one or more.

The payment account information is a deposit deposited in any one of the financial account in response to the request for the transaction approval through the check card requested for issuance of one or more financial accounts owned by the customer who prepared the application for issuing the check card; It is preferable to include at least one or more of the account number, account alias, account holder name, etc. of the target financial account to use a portion (or all) of the transaction approval.

The card information includes at least a card number (e.g., a 16-digit card number) corresponding to the check card, an expiration date information (may be omitted in some cases), and card issuer information (or code) for processing the check card issuance. It is preferable to include one or more.

According to one embodiment of the invention, the storage medium 180 is preferably provided in a DBMS on a financial system provided on the check card issuing system (or associated with the check card issuing system), wherein The storage medium 180 may be ledger D / B provided in the DBMS on the financial system, and / 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 180 is provided with (or associated with) an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on the check card issuing system, and It is possible to be provided in the DBMS on at least one or more banking system of the TV banking system, whereby the present invention is not limited.

The check card issuing server 100 provided on the check card issuing system according to the present invention is a generic term for the check card issuing system side component connected to the card issuing terminal 190 and through a predetermined financial network. It may be implemented by including one or more servers (or devices), and / or by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), and the present invention is not limited thereto.

According to an embodiment of the present invention, when the card issuing terminal 190 is a window terminal 195 connected to a predetermined financial network, the check card issuing server 100 is connected to the window terminal through a predetermined financial network ( 195 may be a ledger server provided on the financial system connected to, and / or a server (or device) provided to the external world on the financial system, and / or a program provided on the external system on the financial system, Thereby, this invention is not limited.

According to an embodiment of the present invention, the check card issuing server 100 may provide an interface unit 105 (or interface means) for connecting and managing a predetermined communication channel with the card issuing terminal 190 through the financial network. It is characterized by comprising.

According to an embodiment of the present invention, when the card issuing terminal 190 is a window terminal 195 connected to a predetermined financial network, the interface unit 105 is based on the protocol stack defined in the financial network. A communication interface for connecting at least one communication channel with a terminal 195 and transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the window terminal 195. It is preferable.

Referring to FIG. 1, the check card issuing server 100 connects a predetermined communication channel with the check card issuing server 100 through the interface unit 105 through a predetermined card issuing terminal 190. Obtaining image contents corresponding to the check card issuance application form prepared by the customer through a predetermined image acquisition device provided in the card issuing terminal 190 for operating a virtual account for each of the plurality of check cards associated with the single payment account; And generating (or extracting) at least one user interface for inputting (or selecting) check card issuing application information corresponding to the check card issuing application and transmitting the check card issuing application information to the check card issuing server 100. Interface providing unit 110 (or an interface for providing the generated (or extracted) user interface to the card issuing terminal 190 in association with 105 Providing means) and check card issuing application information corresponding to the check card issuing application through the user interface and transmits (or selects) the card issuing terminal 190 in connection with the interface unit 105. Acquiring a predetermined image based on the user interface from the information receiving unit 115 (or information receiving means) for receiving the check card issuing application information transmitted from the card issuing terminal 190 and the card issuing terminal 190. When the image content corresponding to the check card issuance application prepared by the customer is obtained and transmitted through the device, the image receiver 120 receiving the image content corresponding to the check card issuance application in cooperation with the interface unit 105 ( Or image receiving means).

The interface provider 110 connects a predetermined communication channel with the check card issuing server 100 and the card issuing terminal 190 through the interface unit 105, and then the check card issuing server 100. When requesting a user interface for operating a virtual account for each of the plurality of check cards associated with the single payment account, the application corresponding to the check card issued by the customer through a predetermined image acquisition device provided in the card issuing terminal 190 At least one user interface for acquiring image content, and inputting (or selecting) check card issuing application information corresponding to the check card issuing application and transmitting it to the check card issuing server 100 through the financial network. Generate and / or extract from a predetermined database (not shown), and generate (or add) the interface in conjunction with the interface unit 105. A) the user interface is characterized in that provided in the card-issuing terminal 190 through the financial network.

According to another embodiment of the present invention, the card issuing terminal 190 acquires image contents corresponding to the check card issuance application written by the customer through a predetermined image acquisition device, and check card corresponding to the check card issuance application. When a predetermined check card issuing application program having at least one user interface for inputting (or selecting) issuing application information and transmitting the same to the check card issuing server 100 through the financial network is provided, as described above. Acquire image contents corresponding to the check card issuance application written by the customer through a predetermined image acquisition device, and input (or select) check card issuance application information corresponding to the check card issuance application to provide the check card issuing server ( Generating (or extracting) a user interface for transmission to the card 100). The interface providing unit 110 provided to the class terminal 190 may be omitted, and the present invention is not limited thereto.

Thereafter, the card issuing terminal 190 inputs (or selects) check card issuing application information including at least one of the customer information and payment account information through the user interface, and the input (or selected) check card. Issuing application information is transmitted to the check card issuing server 100 through the financial network, in response to the information receiving unit 115 is transmitted from the card issuing terminal 190 in association with the interface unit 105 Characterized in that receiving the check card issuance application information.

In addition, the card issuing terminal 190 obtains the image content corresponding to the check card issuance application written by the customer through a predetermined image acquisition device based on the user interface, and the obtained image content to the financial network; It transmits to the check card issuing server 100 through, in response to the image receiving unit 120 is characterized in that for receiving the image content corresponding to the check card issuing application in connection with the interface unit 105.

According to another exemplary embodiment of the present invention, the card issuing terminal 190 acquires image contents corresponding to the check card issuance application written by the customer through a predetermined image obtaining apparatus and is provided to the card issuing terminal 190. When the card issuing device is previously stored in a predetermined storage device (or associated), the card issuing terminal 190 includes a check card issuance application form written by the customer among at least one or more image contents stored in the storage device through the user interface. The corresponding image content is selected and transmitted to the check card issuing server 100 through the financial network. In response thereto, the image receiving unit 120 corresponds to the check card issuing application in connection with the interface unit 105. It is desirable to receive the image content.

According to another embodiment of the present invention, the card issuing terminal 190 through the user interface image content corresponding to the check card issuance application written by the customer and the check card issuing application information corresponding to the check card issuing application In the case of transmitting together, the information receiving unit 115 may receive the image content corresponding to the check card issuing application and the check card issuing application information together with the interface unit 105 (for example, the image receiving unit). 120 is integrated into the information receiving unit 115, and the present invention is not limited thereto.

Referring to FIG. 1, when the check card issuing application information received from the card issuing terminal 190 is received through the information receiving unit 115, the check card issuing server 100 receives the received check card issuing request. Characterized in that it comprises a validity check unit 125 (or validity verification means) for confirming whether the information satisfies the validity for operating a virtual account for each of the check card associated with the single payment account.

According to an embodiment of the present invention, the validity of the check card issuance request information may be determined by at least one or more ledger information matching the check card issuance request information in the ledger D / B on the financial system associated with the check card issuance system. It is preferable to include checking whether it is registered.

For example, the validity confirming unit 125 may include, among the information included in the check card issuing application information, the customer information (customer personal information, member information, etc.) of the ledger on the financial system associated with the check card issuing system. It is preferable to include checking whether the match with the customer ledger stored in B.

Alternatively, the validity of the check card issuance request information may be determined by the customer ledger stored in the ledger D / B on the financial system linked to the check card issuing system, among the information included in the check card issuing information. It is desirable to include checking that it matches the linked ledger.

Alternatively, the verification of the validity of the check card issuance request information may include: an account ledger stored in the ledger D / B on the financial system associated with the check card issuing system, among the information included in the check card issuing information. It is desirable to include checking that a match is found.

Here, if it is confirmed whether or not matching with the account ledger, it is preferable to include whether or not the financial account owned by the customer through the customer ledger connected to the account ledger.

In more detail, FIG. 1 illustrates that when a predetermined customer fills out and submits a check card issuance application form including at least one of customer information and payment account information to operate a virtual account for a plurality of check cards associated with a single payment account, The window terminal 195 acquires predetermined image contents corresponding to the check card issuance application through a predetermined image acquisition device, and checks corresponding to the check card issuance application to the check card issuance system through a predetermined card issuing interface. When the card issuing application information and the image content obtained from the check card issuance application form are provided, a predetermined check card issuing application electronic document including the image content is generated and stored in a predetermined electronic document storage and issuing the check card. Check car based on the customer information and payment account information included in the application information The present invention relates to a system configuration for processing card issuance, and more specifically, to an implementation method in which the electronic document repository is provided on an external system associated with the check card issuing system through a predetermined communication means.

Referring to FIG. 1, when the validity of the check card issuing application information is authenticated through the validity checking unit 125, the check card issuing server 100 is included in the payment account included in the check card issuing application information. An information checking unit 131 (or information checking means) for checking whether a corresponding account ledger is connected with one or more card ledgers operating a check card for processing a transaction through the payment account balance; In response to the card ledger corresponding to one or more check cards connected to the account ledger corresponding to the payment account, the card ledger information for operating the check card requested by the customer and the card ledger information The card ledger to be stored is generated, and the generated card ledger is added to a new card ledger other than the card ledger connected with the account ledger. Thereafter, the new card ledger is characterized in that it comprises a ledger processing unit 133 (or ledger processing means) for processing so that the generated card ledger information is stored.

When the validity of the check card issuing application information is authenticated through the validity checking unit 125, the information checking unit 131 transmits the payment account to the account ledger corresponding to the payment account included in the check card issuing application information. It is characterized by checking whether one or more card ledgers operating a check card for processing transaction approval through the balance.

According to the implementation method of the present invention, whether the at least one card ledger operating a check card for processing a transaction approval through the balance of the payment account included in the application for issuing the check card is connected to the check card By first checking the account ledger corresponding to the payment account included in the issuance application information, and confirming one or more ledgers connected with the confirmed account ledger, transaction approval is made through the balance of the payment account included in the check card issuance application information. It is desirable to check whether one or more card ledgers operating a check card to be processed are connected.

The ledger processing unit 133 may be configured to operate a check card requested by the customer when the card ledger corresponding to one or more check cards is connected to the account ledger corresponding to the payment account in response to the verification result. After generating the card ledger information and the card ledger for storing the card ledger information, connect the generated card ledger to a new card ledger other than the card ledger connected with the account ledger, and then generate the card ledger information. Characterized in that it is processed to be stored card ledger information.

Here, the connection of the generated card ledger to a new card ledger other than the card ledger connected with the account ledger may include establishing a virtual account having a payment account corresponding to the account ledger as a parent account and opening the virtual account. It is preferable to link with the newly created card ledger.

According to an embodiment of the present invention, when N (N = 1, 2, ..., n) card ledgers are connected to an account ledger corresponding to a payment account included in the received check card issuing request information, the customer After generating a card ledger corresponding to the check card requesting the issuance, the generated card ledger is added to the account ledger corresponding to the payment account as the M (M = N + 1) card ledger, and the generation is performed. The card ledger is preferably processed so that the card ledger information for operating the check card requested by the customer is generated and stored in the card ledger.

In addition, when the card ledger is not connected to the account ledger corresponding to the payment account included in the received check card issuing request information, generate card ledger information for operating the check card requested by the customer, and After generating the card ledger corresponding to the check card, the generated card ledger is added to the account ledger corresponding to the payment account as the first card ledger, and the check is requested by the customer to the generated card ledger. It is preferable to process so that card ledger information for operating a card is generated and stored.

Here, when there is no first card ledger corresponding to the first check card as a result of the check, the first card ledger for storing the card ledger information for operating the check card requested by the customer is generated, and the generated It is preferable to store the generated card ledger information on the first card ledger.

That is, when a customer who has a first check card that uses a portion (or all) of the payment account balance for transaction approval requests a issuance of a second check card that uses a portion (or all) of the payment account balance for transaction approval, The card ledger information for operating the second check card is generated in the account ledger corresponding to the payment account, the card ledger corresponding to the second check card is generated, and added as the second card ledger of the account ledger. It is preferable to process the connection so that the generated card ledger information is included on the second card ledger.

Here, when the customer requests to set payment account usage rights for one or more check cards connected to the payment account, the payment account usage rights information for each of the check cards is generated, and the generated payment account usage right information is It is preferable to include in the card ledger corresponding to the check card to be stored.

Referring to FIG. 1, when the validity of the check card issuing application information is authenticated through the validity checking unit 125, the check card issuing server 100 is authenticated based on the received check card issuing information. The information generating unit 130 (or information generating means) for generating (or extracting) card information corresponding to the check card to be issued to the user, and the check card including the generated card information are linked with the card issuing device 185. And issuing a card issuing unit 150 (or card issuing means) for issuing and processing.

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

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

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

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

When the predetermined card information provided in the check card is generated by the information generating unit 130, the card issuing unit 150 generates a check card including the card information through the card issuing device 185 ( Or the card information in the check card), wherein the check card is provided (or delivered) to the customer.

If the check card is an MS (Magnetic Stripe) card, the card issuing device 185 records the card information on at least one or more MS tracks (eg, track I, track II, track III) included in the check card. In this case, the information generating unit 130 generates (or extracts) card information in a data structure recordable in at least one or more MS tracks, and the card issuing unit 150 issues the card. By recording the card information into the at least one MS track via the device 185, a predetermined check card to be issued to the customer is issued.

Alternatively, if the check card is an IC (Integrated Circuit) card, the card issuing device 185 includes a device for recording the card information in a memory provided on the IC chip of the check card, wherein the information The generation unit 130 generates (or extracts) the card information in a file structure operable through a COS (Chip Operating System) provided in the IC chip, and the card issuing unit 150 is the card issuing device 185 By writing the card information in the memory of the IC chip through), a predetermined check card to be issued to the customer is issued.

The check card produced as described above is provided to the customer and / or delivered to the customer according to a predetermined card providing procedure.

Referring to FIG. 1, the check card issuing server 100 receives the image content transmitted from the card issuing terminal 190 through the image receiving unit 120 and the validity checking unit 125. When the validity of the check card issuance request information is authenticated, an electronic document generation unit 135 (or an electronic document generation means) for generating a predetermined check card issuance request electronic document including the received image content, and the generated Check card issuing application is characterized in that it comprises an electronic document transmission unit 140 (or electronic document transmission means) for transmitting the electronic document to the electronic document storage associated with the check card issuing system.

The electronic document generating unit 135 generates a check card issuing application electronic document including the image content received from the card issuing terminal 190 through the image receiving unit 120.

According to one embodiment of the invention, the electronic document generating unit 135 is an image file including the image content received from the card issuing terminal 190 via the image receiving unit 120 as it is the single payment account. It is preferable to process a check card issuance application electronic document for operating a virtual account for each check card associated with the card.

Alternatively, the electronic document generating unit 135 includes the image content received from the card issuing terminal 190 through the image receiving unit 120 in the check card issuing application information received through the information receiving unit 115. Application for issuing a check card for operating a virtual account for each of the plurality of check cards associated with the single payment account, the image file corresponding to the image content including at least one or more information of the customer information and payment account information in a watermarking method It is desirable to create an electronic document.

According to another embodiment of the present invention, the electronic document generating unit 135 is a predetermined document file (eg, including the image content received from the card issuing terminal 190 through the image receiving unit 120) Generating a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT; It is desirable to generate a check card issuance application electronic document for operating a virtual account for each of the check cards associated with the.

Alternatively, the electronic document generating unit 135 includes the image content received from the card issuing terminal 190 through the image receiving unit 120 in the check card issuing application information received through the information receiving unit 115. Generate an image content including at least one or more information of the registered customer information and payment account information by a watermarking method, and a predetermined document file (eg, a Portable Document Format (PDF) file) including the generated image content Or an electronic data interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT), for each of the plurality of check cards associated with the single payment account. It is desirable to create an electronic document for application for issuing a check card for virtual account operation.

According to another exemplary embodiment of the present invention, the electronic document generating unit 135 may receive the image content and the information receiving unit 115 received from the card issuing terminal 190 through the image receiving unit 120. A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one HWP / DOC, etc.) including the received check card issuance application information, or By generating a web document file including the MHT, etc.), it is preferable to generate a check card issuance application electronic document for operating a virtual account for each of the plurality of check cards associated with the single payment account.

Alternatively, the electronic document generating unit 135 includes the image content received from the card issuing terminal 190 through the image receiving unit 120 in the check card issuing application information received through the information receiving unit 115. Generates image content including at least one or more information of the customer information and payment account information by a watermarking method, and a predetermined document file including the generated image content and the check card issuance application information (eg, Generating a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT; It is desirable to generate a check card issuance application electronic document for operating a virtual account for each of the check cards associated with the.

Those skilled in the art to which the present invention pertains, the electronic document generating unit 135 is a technical feature of generating a check card issuance application electronic document of the image file format and / or a predetermined document file format, and Since the technical features of the file format for the image file and / or document file corresponding to the electronic document for issuing the check card issuance will be familiar, detailed description thereof will be omitted for convenience.

The electronic document transmitting unit 140 transmits and stores the check card issuing application electronic document generated by the electronic document generating unit 135 to a predetermined electronic document storage space associated with the check card issuing system. do.

As shown in FIG. 1, the electronic document repository is connected to a check card issuing server 100 on the check card issuing system and a predetermined electronic document server 155 and an electronic document D / B ( 175, the electronic document transmitting unit 140, the electronic document server (140) through the communication means for the check card issuance request electronic document generated by the electronic document generating unit 135; 155).

Here, when the electronic document server 155 and the electronic document D / B 175 is provided outside the check card issuing system, the electronic document server 155 and the electronic document D / B 175 is It is advisable to manage them in accredited bodies.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the check card issuing system, the electronic document transmitting unit 140 is generated by the electronic document generating unit 135. It is possible to store a check card issuing application electronic document in the electronic document D / B 175 corresponding to the electronic document storage on the DBMS provided in the check card issuing system, thereby the present invention is not limited.

According to an embodiment of the present invention, the electronic document transmission unit 140 may include electronic document related information (eg, a check card corresponding to the image content) for generating predetermined electronic document management information in the electronic document server 155. The information on the financial institution that transmits the check card issuance request electronic document, and / or the electronic document file format information, and / or the check card issue request information, etc.); It is possible to transmit to the document storage, by which the present invention is not limited.

Referring to Figure 1, the check card issuing server 100 is a check card issuance request information received through the information receiving unit 115 is a plurality of check cards associated with the single payment account through the validity verification unit 125 When the validity for the virtual account operation is authenticated, the check card issuance is processed based on the check card issuance application information, and the customer information, payment account information, and card information corresponding to the check card issuance processing result are processed. An information storage unit 145 (or information storage means) for storing check card issuance information including one or more in the storage medium 180 is characterized in that it is made.

When the validity of the check card issuing application information is confirmed by the validity confirming unit 125, the information storage unit 145 processes the check card issuing based on the check card issuing application information, and issues the check card. And a check card issuing information including one or more customer information, payment account information, and card information corresponding to a processing result in the storage medium 180, wherein the storage medium 180 stores the check card issuing server. When provided in the 100 or on the network associated with the check card issuing server 100, the information storage unit 145 processes the check card issuance based on the received check card issuing application information; Storing the check card issuing information including at least one of customer information, payment account information, and card information corresponding to the check card issuing process result in the storage medium 180. Preferably, when the storage medium 180 is provided in the DBMS provided on the financial system, the information storage unit 145 processes the check card issuance based on the received check card issuing application information, Providing check card issuance information including one or more customer information, payment account information, and card information corresponding to the check card issuance processing result as an information system through an external system on the financial system and storing the information in a DBMS provided on the financial system. It is preferable.

Referring to FIG. 1, a predetermined check card issuance request electronic document is received from the check card issuing server 100 provided on the check card issuing system, and stored and managed in a predetermined electronic document D / B 175. The electronic document server 155 includes an electronic document receiving unit 160 (or electronic document receiving means) for receiving a predetermined check card issuing application electronic document from the check card issuing server 100 through a predetermined communication means, and An information generating unit 165 (or information generating means) for generating predetermined electronic document management information for storing and managing the received check card issuing application electronic document in the electronic document D / B 175; And an electronic document storage unit 170 (or electronic document storage means) for managing the management information and the check card issuing application electronic document and storing the electronic document in a predetermined electronic document D / B 175.

The electronic document receiving unit 160 may receive a check card issuance request electronic document in the form of an image file and / or a document file from the check card issuing server 100 through the communication means.

According to an exemplary embodiment of the present invention, the check card issuing application electronic document received by the electronic document receiving unit 160 through the communication means is received by the check card issuing server 100 from the card issuing terminal 190. It is preferable that the image file including the image content is included as it is.

Alternatively, the check card issuing application electronic document received by the electronic document receiving unit 160 through the communication means is the check card to the image content received by the check card issuing server 100 from the card issuing terminal 190. It is preferable to include an image file corresponding to the image content including at least one or more information of the customer information, payment account information included in the issuance application information in a watermarking (Watermarking) method.

According to another exemplary embodiment of the present invention, the check card issuing application electronic document received by the electronic document receiving unit 160 through the communication means is received by the check card issuing server 100 from the card issuing terminal 190. A predetermined document file (e.g., a portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.) containing an image content, or an MHT Web document files).

Alternatively, the check card issuing request electronic document received by the electronic document receiving unit 160 through the communication means issuing the check card to the image content received by the check card issuing server 100 from the card issuing terminal 190. A predetermined document file (eg, a Portable Document Format (PDF) file or EDI (Electronic) containing image content including at least one or more of customer information and payment account information included in the application information in a watermarking manner. Data Interchange) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including MHT).

According to another embodiment of the present invention, the check card issuing application electronic document received by the electronic document receiving unit 160 through the communication means is the check card issuing server 100 from the card issuing terminal 190 A word including at least one predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) including the received image content and the check card issuance application information. Processor file, or a web document file including MHT).

Alternatively, the check card issuing application electronic document received by the electronic document receiving unit 160 through the communication means issuing the check card to the image content received by the check card issuing server 100 from the card issuing terminal 190. Image content including at least one or more of customer information and payment account information included in the application information by a watermarking method, and a predetermined document file including the check card issuance application information (for example, PDF (Portable Document Format) ) File, an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT.

The information generating unit 165 is a predetermined electronic document unique number (or unique information) to be assigned to the check card issuance request electronic document received through the electronic document receiving unit 160, and through the electronic document receiving unit 160 And generating electronic document management information including electronic document storage date and time information including a date and time when the check card issuing application electronic document is received (or a date and time at which the check card issuing application electronic document is stored). .

According to the exemplary embodiment of the present invention, the information generating unit 165 checks the check by referring to the check card issuing server 100 that transmits the check card issuing request electronic document received through the electronic document receiving unit 160. It is preferable to check the financial institution that sent the card issuance request electronic document, and to generate electronic document management information further including the identified financial institution information.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the check card issuing server 100 through the electronic document receiving unit 160, the information generating unit 165 receives the received information. Electronic document related information (e.g., customer information for which a check card issuance application form corresponding to the image content is made, and / or financial institution information for transmitting the check card issuance request electronic document, and / or electronic document file format information, and And / or the check card issuing application information, etc.).

The electronic document storage unit 170 processes a check card issuance request electronic document received through the electronic document receiving unit 160 and electronic document management information generated through the information generating unit 165 to process a predetermined electronic document. It is characterized in that the storage in the D / B (175).

According to the exemplary embodiment of the present invention, the check card issuing application electronic document stored in the electronic document D / B 175 by the electronic document storage unit 170 is checked card issuing server 100 by the card issuing terminal. Preferably, the image file including the image content received from 190 is included as it is.

Alternatively, the check card issuing application electronic document stored in the electronic document D / B 175 by the electronic document storage unit 170 is received by the check card issuing server 100 from the card issuing terminal 190. Preferably, the image content includes an image file corresponding to the image content including at least one or more of customer information and payment account information included in the check card issuing application information in a watermarking manner.

According to another exemplary embodiment of the present invention, the check card issuing application electronic document stored in the electronic document D / B 175 by the electronic document storage unit 170 is checked by the check card issuing server 100. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a HWP / DOC, etc.) including at least one document file including image content received from the terminal 190. , Or a web document file including MHT).

Alternatively, the check card issuing application electronic document stored in the electronic document D / B 175 by the electronic document storage unit 170 is an image received by the check card issuing server 100 from the card issuing terminal 190. A predetermined document file (eg, PDF (Portable Document Format)) containing image content including at least one or more of customer information and payment account information included in the check card issuing application information in a watermarking manner. File, or an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including an MHT.

According to another exemplary embodiment of the present invention, the check card issuing application electronic document stored in the electronic document D / B 175 by the electronic document storage unit 170 is the check card issuing server 100 by the card. A predetermined document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) including the image content received from the issuing terminal 190 and the check card issuing application information And at least one word processor file or at least one web document file including the MHT.

Alternatively, the check card issuing application electronic document stored in the electronic document D / B 175 by the electronic document storage unit 170 is an image received by the check card issuing server 100 from the card issuing terminal 190. Image content including at least one or more of customer information and payment account information included in the check card issuing application information in a watermarking manner, and a predetermined document file including the check card issuing information. , A Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more of HWP / DOC, or a web document file including an MHT). .

According to an embodiment of the present invention, the electronic document management information stored in the electronic document D / B 175 by processing the electronic document storage unit 170 in conjunction with the check card issuance request electronic document issuing the check card. Preferably, the electronic document includes a predetermined electronic document unique number (or unique information) assigned to the application electronic document and the electronic document storage date and time information.

According to the exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B 175 by processing the electronic document storage unit 170 in association with the check card issuance request electronic document is the check card. The check card issuing server 100 which has transmitted the issuance request electronic document is preferably made to further include information on the financial institution which has transmitted the check card issuance request electronic document.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the check card issuing server 100, the electronic document storage unit 170 processes the link with the check card issuing application electronic document. The electronic document management information stored in the electronic document D / B 175 may include the received electronic document related information (for example, customer information for creating a check card issuance application corresponding to the image content, and / or the check card). Financial institution information for transmitting the issuance request electronic document, and / or electronic document file format information, and / or the check card issue application information).

2 is a check card issuance information configuration stored in the ledger D / B (200) provided in the DBMS on the financial system in a face-to-face manner for the operation of a virtual account for each check card associated with a single payment account according to an embodiment of the present invention Figure is a diagram.

In more detail, FIG. 2 shows the ledger information provided in the ledger D / B 200 when the storage medium 180 shown in FIG. 1 is the ledger D / B 200 provided in the DBMS on the financial system. After the process of issuing a check card based on the check card issuance application information including the customer information, payment account information, and shows an information configuration for the implementation method for storing the check card issuance information corresponding thereto, the present invention Those skilled in the art may refer to and / or modify this drawing to infer various information construction methods for storing the check card issuance application information in the ledger D / B 200. The present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Referring to Figure 2 according to an embodiment of the present invention, the ledger information provided in the ledger D / B 200 provided in the DBMS on the financial system is a predetermined customer ledger, and an account ledger associated with the customer ledger (eg , A reception ledger, a loan ledger, etc.) and a virtual account ledger having a payment account corresponding to the account ledger, and at least one or more information associated with the virtual account ledger. If the person having ordinary knowledge in the field, the ledger D / B 200 provided in the DBMS on the financial system includes at least one ledger (for example, loan ledger, mortgage ledger) in addition to the customer ledger and account ledger shown in FIG. , ... etc.) and / or at least one additional information for maintaining and managing the ledgers, and Since you are the read group information ever, a detailed description thereof will be omitted for convenience.

The customer ledger is CIF (Customer Information File) number, country code, contact person ID, sales office number, customer classification, customer name, customer address, regional classification code, telephone number, business number, business name, classification code, expiration date, status head office Information, Settlement Date, Cash Date, Last Name, Person, Social Security Number, Company Address, Company Phone Number, Mailing Address, Account Number, President, Business Type, Legal Representative, Initial Transaction Date, TRW, DB, Usage, Parent Company Number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like.

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

In addition, the account ledger is linked to the customer ledger relationally, account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance , Bank account number, interest interest, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, unpaid account transactions, interest rate account, flat currency connection, final payment interest, final payment transaction It includes at least one of a number, an individual interest rate reference, and a final interest calculation date. Periodic reception information, and / or trust reception information including at least one or more of an account number, a deposit amount, a par value, a pension date, and the number of shares corresponding to the account ledger, and / or the account ledger. Transactions that include at least one account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch number, batch transaction, date of payment, bank account line, summary, CIF, etc. It includes the history information.

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

In addition, the virtual account ledger is linked to the account ledger in a relational manner, and comprises at least one of a virtual account number, a virtual account attribute, a virtual account establishment date, a mother account number, and the like.

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

Referring to FIG. 2, the check card issuing application information provided through the check card issuing system shown in FIG. 1 is stored in the form of additional information added to the virtual account ledger. Characterized in that it comprises at least one or more customer information, payment account information.

The customer information includes personal information of the customer (for example, name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) of the customer who filled out the application for issuing the check card, and member information of the customer (for example, Member ID information, CIF (Customer Information File) number, etc. provided in the customer ledger provided on the financial system associated with the check card issuing system in response to the customer by subscribing as a financial transaction customer of the financial institution; It is preferable to include at least one or more.

The payment account information is a deposit deposited in any one of the financial account in response to the request for transaction approval through the check card requested for issuance of one or more financial accounts owned by the customer who prepared the application for issuing the check card; It is preferable to include at least one or more of the account number, account alias, account holder name, etc. of the target financial account to use a portion (or all) of the transaction approval.

The card information includes at least a card number (e.g., a 16-digit card number) corresponding to the check card, an expiration date information (may be omitted in some cases), and card issuer information (or code) for processing the check card issuance. It is preferable to include one or more.

According to another exemplary embodiment of the present invention, the check card issuance application information is stored in the form of information included in the account ledger (not shown), and / or to another ledger other than the account ledger (eg, the customer ledger). It is possible to be stored in the form of additional information to be added and / or in the form of information contained in other ledgers (for example, customer ledger) other than the account ledger, thereby the present invention is not limited.

3A and 3B illustrate a process of registering check card issuing application information in a face-to-face manner according to one embodiment of the present invention.

3a and 3b show the card issuing terminal 190 on the check card issuing system shown in FIG. 1 as a counter terminal 195 provided at a financial institution branch (or branch), and issuing the check card. In the case where the server 100 has a ledger server (not shown) function on the financial system associated with the teller terminal 195 through a predetermined financial network, the predetermined customer is for each check card associated with a single payment account. If a check card issuance application form including at least one of customer information and payment account information is submitted and submitted for the operation of a virtual account, a corresponding window terminal 195 corresponds to the check card issuance application through a predetermined image acquisition device. Acquires predetermined image contents, and checks card issuing application information corresponding to the check card issuing application to the check card issuing system through a predetermined card issuing interface; When the image content obtained from the check card issuance application form is provided, a predetermined check card issuance request electronic document including the image content is generated and stored in a predetermined electronic document storage, and is included in the check card issue request information. The present invention relates to an implementation method of linking and processing the customer information and payment account information in a predetermined storage medium 180. Specifically, the counter terminal 195 corresponds to the application for issuing the check card through a predetermined image acquisition device. Acquire a predetermined image content and transmit it to the check card issuing server 100, and then input (or select) check card issuing application information corresponding to the check card issuing application to the check card issuing server 100. It shows an implementation method of transmitting.

Those skilled in the art to which the present invention pertains refer to and / or modify the drawings 3a and 3b and apply for the check card issuance from the counter terminal 195 to the check card issuing server 100. Various implementation methods for registering information may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation methods shown in FIGS. 3A and 3B.

For example, in the embodiment shown in FIGS. 3A and 3B, the window terminal 195 acquires predetermined image contents corresponding to the check card issuance application through a predetermined image acquisition device, and / or the check card. Although a user interface for inputting (or selecting) the check card issuing application information corresponding to the issuing application is illustrated and described as being provided from the check card issuing server 100, a request for issuing a predetermined check card issuing to the counter terminal 195. When the program is provided, the user interface may not be provided from the check card issuing server 100, and the present invention is not limited thereto.

In the following Figures 3a and 3b, the window terminal 195 shown in Figure 1 is referred to as "terminal" for convenience, and the check card issuing server 100 shown in Figure 1 is referred to as "server" for convenience, The customer information and payment account information transmitted from the counter terminal 195 to the check card issuing server 100 is referred to as "check card issuing application information" for convenience.

Referring to FIGS. 3A and 3B, when a predetermined customer fills out and submits a check card issuance application form including at least one of customer information and payment account information to operate a virtual account for each check card associated with a single payment account, The window terminal 195 shown in FIG. 1 is connected to the server through a predetermined financial network and connected to a predetermined communication channel, for each of a plurality of check cards associated with a single payment account corresponding to the check card issuance application. When requesting a user interface for operating a virtual account (300), the server correspondingly obtains the predetermined image content corresponding to the check card issuance application written by the customer through a predetermined image acquisition device in the terminal to the server Generate (or extract) a user interface for transmission to the network (305), and generate (or extract) through the financial network And it transmits the output to the user interface to the mobile station 310. The

Thereafter, the terminal acquires image content corresponding to the check card issuing application through a predetermined image obtaining apparatus based on the user interface (315).

If the image content corresponding to the check card issuance application is obtained through the image acquisition device (320), the terminal transmits the obtained image content to the server through the financial network (325).

Thereafter, the server inputs (or selects) check card issuing application information including at least one of customer information and payment account information corresponding to the check card issuing application matched with the image content, and transmits it to the server. The method generates (or extracts) 330 and transmits the generated (or extracted) user interface to the terminal through the financial network and outputs the generated user interface (335).

Thereafter, the terminal inputs (or selects) check card issuing application information including at least one of the customer information and payment account information through the user interface (340).

If the check card issuing application information including at least one of the customer information and the payment account information is input (or selected) through the user interface (345), the terminal inputs the input (or Selected) transmits the check card issuing application information (350).

Thereafter, the server receives and reads the check card issuing application information including at least one of the customer information and the payment account information through the financial network to check the validity of the check card issuing application information (355).

According to an embodiment of the present invention, the validity check of the check card issuing information is at least one matched with the check card issuing application information to the ledger D / B (200) on the financial system associated with the check card issuing system It is preferable to include checking whether the ledger information is registered.

For example, the validity confirming unit 125 may include, among the information included in the check card issuing application information, the customer information (customer personal information, member information, etc.) of the ledger on the financial system associated with the check card issuing system. It is preferably made to check whether the match with the customer ledger stored in B (200).

Alternatively, the validity of the check card issuance request information is stored in the ledger D / B (200) on the financial system associated with the check card issuance system of the information contained in the check card issuance request information, It is preferable to include checking whether the match with the ledger associated with the customer ledger.

Alternatively, the validity of the check card issuance request information is stored in the ledger D / B (200) on the financial system associated with the check card issuance system of the information contained in the check card issuance request information, It is desirable to include checking that the account ledger matches.

Here, if it is confirmed whether or not matching with the account ledger, it is preferable to include whether or not the financial account owned by the customer through the customer ledger connected to the account ledger.

If the validity of the check card issuing request information is not authenticated (358), the server generates error information for a predetermined check card issuing request and transmits it to the terminal (360). Do not perform the corresponding check card issuance procedure.

On the other hand, if the validity of the check card issuing application information is authenticated (358), the server checks the account ledger corresponding to the payment account included in the check card issuing application information (361), and the confirmed account ledger A part (or full amount) of the payment account balance checks whether one or more card ledgers operating a check card for transaction approval are connected (362).

According to the implementation method of the present invention, whether the at least one card ledger operating a check card for processing a transaction approval through the balance of the payment account included in the application for issuing the check card is connected to the check card By first checking the account ledger corresponding to the payment account included in the issuing application information, and confirming one or more ledgers connected with the confirmed account ledger, transaction approval is made through the balance of the payment account included in the check card issuing application information. It is desirable to check whether one or more card ledgers operating a check card to be processed are connected.

If the card ledger is not connected to the account ledger corresponding to the payment account in response to the verification result (363), the server generates card ledger information for operating the check card requesting the issuance (364). In operation 365, the generated card ledger information is included in the first card ledger.

On the other hand, when the card ledger is connected to the account ledger corresponding to the payment account in response to the check result (363), the server generates card ledger information for operating the check card requested by the customer (issuance); 366), after generating a card ledger corresponding to the check card to be issued to the customer (367), the generated card ledger is added to the N card ledger of the account ledger corresponding to the payment account (368). In operation 369, the generated card ledger information is included in the connected N-th card ledger.

Here, the connection of the generated card ledger to a new card ledger other than the card ledger connected with the account ledger may include establishing a virtual account having a payment account corresponding to the account ledger as a parent account and opening the virtual account. It is preferable to link with the newly created card ledger.

According to an embodiment of the present invention, when N (N = 1, 2, ..., n) card ledgers are connected to an account ledger corresponding to a payment account included in the received check card issuing request information, the customer After generating a card ledger corresponding to the check card requesting the issuance, the generated card ledger is added to the account ledger corresponding to the payment account as the M (M = N + 1) card ledger, and the generation is performed. The card ledger is preferably processed so that the card ledger information for operating the check card requested by the customer is generated and stored in the card ledger.

In addition, when the card ledger is not connected to the account ledger corresponding to the payment account included in the received check card issuing request information, generate card ledger information for operating the check card requested by the customer, and After generating the card ledger corresponding to the check card, the generated card ledger is added to the account ledger corresponding to the payment account as the first card ledger, and the check is requested by the customer to the generated card ledger. It is preferable to process so that card ledger information for operating a card is generated and stored.

Here, when there is no first card ledger corresponding to the first check card as a result of the check, the first card ledger for storing the card ledger information for operating the check card requested by the customer is generated, and the generated It is preferable to store the generated card ledger information on the first card ledger.

That is, when a customer who has a first check card that uses a portion (or all) of the payment account balance for transaction approval requests a issuance of a second check card that uses a portion (or all) of the payment account balance for transaction approval, The card ledger information for operating the second check card is generated in the account ledger corresponding to the payment account, the card ledger corresponding to the second check card is generated, and added as the second card ledger of the account ledger. It is preferable to process the connection so that the generated card ledger information is included on the second card ledger.

Here, when the customer requests to set payment account usage rights for one or more check cards connected to the payment account, the payment account usage rights information for each of the check cards is generated, and the generated payment account usage right information is It is preferable to include in the card ledger corresponding to the check card to be stored.

Thereafter, the server generates a predetermined check card issuance request electronic document including the image content (370).

According to an embodiment of the present invention, the server checks the image file including the image content received from the card issuing terminal 190 through the image receiving unit 120 as it is a plurality of check card associated with the single payment account It is preferable to process the electronic card for application for issuing a check card for each virtual account operation.

Alternatively, the server may include customer information and payment account included in the check card issuing application information received through the information receiving unit 115 in the image content received from the card issuing terminal 190 through the image receiving unit 120. Generating a check card issuing application electronic document for operating a virtual account for each of the plurality of check cards associated with the single payment account, the image file corresponding to the image content including at least one or more information of the information by watermarking (Watermarking) method desirable.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, Portable Document Format (PDF)) including the image content received from the card issuing terminal 190 through the image receiving unit 120. Files, electronic data interchange (EDI) files, word processor files including at least one of HWP / DOC, or a web document file including MHT), thereby creating a plurality of check cards associated with the single payment account. It is desirable to create an electronic document for application for issuing a check card for each virtual account operation.

Alternatively, the server may include customer information and payment account included in the check card issuing application information received through the information receiving unit 115 in the image content received from the card issuing terminal 190 through the image receiving unit 120. Generate image content including at least one or more of the information in a watermarking manner, and include a predetermined document file (eg, a Portable Document Format (PDF) file or EDI (Electronic Data) including the generated image content. Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT, etc.) to generate a check for operating a virtual account for each check card associated with the single payment account. It is preferable to generate an electronic document for card issuance application.

According to another exemplary embodiment of the present invention, the server requests for issuing a check card received through the image content and the image content received from the card issuing terminal 190 through the image receiving unit 120. A predetermined document file including information (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.), or a web document including an MHT. File, etc.), it is preferable to generate a check card issuance application electronic document for operating a virtual account for each of the plurality of check cards associated with the single payment account.

Alternatively, the server may include customer information and payment account included in the check card issuing application information received through the information receiving unit 115 in the image content received from the card issuing terminal 190 through the image receiving unit 120. Generating image content including at least one or more information of the information by a watermarking method, and a predetermined document file (eg, Portable Document Format (PDF)) containing the generated image content and the check card issuing application information. File, or an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including an MHT), to generate a plurality of check cards associated with the single payment account. It is desirable to create an electronic document for application for issuing a check card for each virtual account operation.

Those skilled in the art to which the present invention pertains include technical features that the server generates a check card issuance request electronic document in an image file format and / or a predetermined document file format, and the check card issue request electronic document. Since it will be familiar with the technical features of the file format for the image file and / or document file corresponding to the detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated check card issuance request electronic document in a predetermined electronic document storage (375).

As shown in FIG. 1, the electronic document repository includes a predetermined electronic document server 155 and an electronic document D / B 175 associated with a server on the check card issuing system through predetermined communication means. When provided in the, it is preferable that the server transmits the generated check card issuance request electronic document to the electronic document server 155 through the communication means to store in the electronic document D / B (175).

Alternatively, when the electronic document storage is provided on the DBMS provided in the check card issuing system, the server transmits the generated check card issuing application electronic document to the electronic document storage on the DBMS provided in the check card issuing system. It is possible to store in the corresponding electronic document D / B 175, whereby the present invention is not limited.

According to an embodiment of the present invention, storing the check card issuance request electronic document in the electronic document storage is illustrated in FIG. 1 by linking the generated check card issuance request electronic document with predetermined electronic document management information. It is preferable to include storing in the electronic document D / B (175).

Here, the electronic document management information preferably comprises a predetermined electronic document unique number (or unique information) assigned to the check card issuance request electronic document and the electronic document storage date and time information.

In addition, the electronic document management information is preferably made further comprises information on the financial institution that transmitted the check card issuance request electronic document.

The electronic document management information may include predetermined electronic document-related information (for example, customer information written in a check card issuance application form corresponding to the image content, and / or financial institution information transmitting the check card issuance request electronic document, and / Or electronic document file format information, and / or the check card issuance application information).

If the check card issuance request electronic document is stored in the electronic document repository (380), the server issues a check card based on the customer information and payment account information included in the check card issuance application information (385). In operation 390, the check card issuing information regarding the check card issuing process result is stored in the storage medium 180.

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

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

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

When the predetermined card information provided in the check card is generated by the server, the server generates a check card including the card information through the card issuing device 185 (or sends the card information to the check card). And a check card is provided (or delivered) to the customer.

If the check card is an MS (Magnetic Stripe) card, the card issuing device 185 records the card information on at least one or more MS tracks (eg, track I, track II, track III) included in the check card. Wherein the server generates (or extracts) card information in a data structure recordable in at least one or more MS tracks, and the server generates at least card information through the card issuing device 185. By writing to one or more MS tracks, a predetermined check card is issued for the customer.

Or, if the check card is an IC (Integrated Circuit) card, the card issuing device 185 comprises a device for recording the card information in the memory provided on the IC chip of the check card, wherein the server Generates (or extracts) the card information in a file structure operable through a chip operating system (COS) provided in the IC chip, and the server transmits the card information through the card issuing device 185 to the IC chip. By writing to the memory of the user, a predetermined check card to be issued to the customer is issued.

The check card produced as described above is provided to the customer and / or delivered to the customer according to a predetermined card providing procedure.

4A and 4B illustrate a process of registering check card issuing application information in a face-to-face manner according to another exemplary embodiment of the present invention.

4a and 4b show the card issuing terminal 190 on the check card issuing system shown in FIG. 1 as a counter terminal 195 provided at a financial institution branch (or branch), and the check card issuing server. In the case where the 100 has a ledger server (not shown) function on the financial system associated with the teller terminal 195 through a predetermined financial network, the predetermined customer virtual for each of the plurality of check cards associated with a single payment account. When a check card issuance application form including at least one of customer information and payment account information is prepared and submitted for account operation, a predetermined counter terminal 195 corresponds to the check card issuance application form through a predetermined image acquisition device. Acquires the image content of the card, and transmits the check card issuing information corresponding to the check card issuing application to the check card issuing system through a predetermined card issuing interface; When the image content obtained from the check card issuance application form is provided, a predetermined check card issuance request electronic document including the image content is generated and stored in a predetermined electronic document storage, and is included in the check card issue request information. The method of the present invention relates to a method of storing and storing the customer information and payment account information in a predetermined storage medium 180. Specifically, the check terminal issuing application information corresponding to the check card issuing application is issued at the counter terminal 195. After inputting (or selecting) and transmitting to the check card issuing server 100, a predetermined image content corresponding to the check card issuing application is obtained through a predetermined image obtaining device to the check card issuing server 100. It shows an implementation method of transmitting.

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 4a and 4b, and the check card issuing application information from the counter terminal 195 to the check card issuing server 100. It will be possible to infer various implementation methods for registering the present invention, but the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in Figures 4a and 4b.

For example, in the implementation method shown in FIGS. 4A and 4B, the window terminal 195 acquires predetermined image contents corresponding to the check card issuance application through a predetermined image acquisition device, and / or the check card. Although a user interface for inputting (or selecting) the check card issuing application information corresponding to the issuing application is illustrated and described as being provided from the check card issuing server 100, a request for issuing a predetermined check card issuing to the counter terminal 195. When the program is provided, the user interface may not be provided from the check card issuing server 100, and the present invention is not limited thereto.

In the following Figures 4a and 4b, the window terminal 195 shown in Figure 1 is referred to as "terminal" for convenience, and the check card issuing server 100 shown in Figure 1 is referred to as "server" for convenience, The customer information and payment account information transmitted from the counter terminal 195 to the check card issuing server 100 is referred to as "check card issuing application information" for convenience.

Referring to FIGS. 4A and 4B, when a predetermined customer fills out and submits a check card issuance application form including at least one customer information and payment account information for the operation of a virtual account for each check card associated with a single payment account, The window terminal 195 shown in FIG. 1 is connected to the server through a predetermined financial network and connected to a predetermined communication channel, for each of a plurality of check cards associated with a single payment account corresponding to the check card issuance application. When requesting a user interface for operating a virtual account (400), in response, the server inputs check card issuing application information including at least one of customer information and payment account information corresponding to the check card issuance application prepared by the customer. (Or select) create (or extract) a user interface for sending to the server (405) and over the financial network And outputs to transmit the group generated (or extracted) user interface to the mobile station 410. The

Thereafter, the terminal inputs (or selects) check card issuing application information including at least one of the customer information and payment account information through the user interface (415).

If the check card issuance request information including at least one of the customer information and the payment account information is input (or selected) through the user interface (420), the terminal inputs (or is) the server to the server through the financial network. Selected) transmits the check card issuance application information (425).

Thereafter, the server receives and reads the check card issuing request information including at least one of the customer information and payment account information through the financial network to check the validity of the check card issuing information (430).

According to an embodiment of the present invention, the validity check of the check card issuing information is at least one matched with the check card issuing application information to the ledger D / B (200) on the financial system associated with the check card issuing system It is preferable to include checking whether the ledger information is registered.

For example, the validity confirming unit 125 may include, among the information included in the check card issuing application information, the customer information (customer personal information, member information, etc.) of the ledger on the financial system associated with the check card issuing system. It is preferably made to check whether the match with the customer ledger stored in B (200).

Alternatively, the validity of the check card issuance request information may be checked in the ledger D / B 200 on the financial system associated with the check card issuing system, among the information included in the check card issuance request information. It is desirable to include a check that matches the account ledger associated with the stored customer ledger.

Alternatively, the validity of the check card issuance request information is stored in the ledger D / B (200) on the financial system associated with the check card issuance system of the information contained in the check card issuance request information, It is desirable to include checking that the account ledger matches.

Here, if it is confirmed whether or not matching with the account ledger, it is preferable to include whether or not the financial account owned by the customer through the customer ledger connected to the account ledger.

If the validity of the check card issuing request information is not authenticated (435), the server generates error information for a predetermined check card issuing request and transmits the error information to the terminal (440). Do not perform the corresponding check card issuance procedure.

On the other hand, if the validity of the check card issuing application information is authenticated (435), the server checks the account ledger corresponding to the payment account included in the check card issuing application information (441), and the confirmed account ledger A portion (or the total) of the payment account balance checks whether one or more card ledgers operating a check card for transaction approval are connected (442).

According to the implementation method of the present invention, whether the at least one card ledger operating a check card for processing a transaction approval through the balance of the payment account included in the application for issuing the check card is connected to the check card By first checking the account ledger corresponding to the payment account included in the issuing application information, and confirming one or more ledgers connected with the confirmed account ledger, transaction approval is made through the balance of the payment account included in the check card issuing application information. It is desirable to check whether one or more card ledgers operating a check card to be processed are connected.

If the card ledger is not connected to the account ledger corresponding to the payment account in response to the verification result (443), the server generates card ledger information for operating the check card requesting the issuance (444). In operation 445, the generated card ledger information is included in the first card ledger.

On the other hand, when the card ledger is connected to the account ledger corresponding to the payment account in response to the verification result (443), the server generates the card ledger information for operating the check card requested by the customer (issuance); 446) after generating a card ledger corresponding to the check card to be issued to the customer (447), the generated card ledger is added to the N card ledger of the account ledger corresponding to the payment account (448). ), And stores the generated card ledger information in the connected Nth card ledger (449).

Here, the connection of the generated card ledger to a new card ledger other than the card ledger connected with the account ledger may include establishing a virtual account having a payment account corresponding to the account ledger as a parent account and opening the virtual account. It is preferable to link with the newly created card ledger.

According to an embodiment of the present invention, when N (N = 1, 2, ..., n) card ledgers are connected to an account ledger corresponding to a payment account included in the received check card issuing request information, the customer After generating a card ledger corresponding to the check card requesting the issuance, the generated card ledger is added to the account ledger corresponding to the payment account as the M (M = N + 1) card ledger, and the generation is performed. The card ledger is preferably processed so that the card ledger information for operating the check card requested by the customer is generated and stored in the card ledger.

In addition, when the card ledger is not connected to the account ledger corresponding to the payment account included in the received check card issuing request information, generate card ledger information for operating the check card requested by the customer, and After generating a card ledger corresponding to the check card, the generated card ledger is added to the account ledger corresponding to the payment account as the first card ledger, and the check is requested by the customer to the generated card ledger. It is preferable to process so that card ledger information for operating a card is generated and stored.

Here, when there is no first card ledger corresponding to the first check card as a result of the check, the first card ledger for storing the card ledger information for operating the check card requested by the customer is generated, and the generated It is preferable to store the generated card ledger information on the first card ledger.

That is, when a customer who has a first check card that uses a portion (or all) of the payment account balance for transaction approval requests a issuance of a second check card that uses a portion (or all) of the payment account balance for transaction approval, The card ledger information for operating the second check card is generated in the account ledger corresponding to the payment account, the card ledger corresponding to the second check card is generated, and added as the second card ledger of the account ledger. It is preferable to process the connection so that the generated card ledger information is included on the second card ledger.

Here, when the customer requests to set payment account usage rights for one or more check cards linked to the payment account, the payment account usage rights information for each of the check cards is generated, and the generated payment account usage right information is displayed. It is preferable to include in the card ledger corresponding to the check card to be stored.

Subsequently, the server generates (or extracts) a user interface for acquiring predetermined image contents corresponding to the check card issuance application written by the customer through the predetermined image obtaining apparatus and transmitting the predetermined image content to the server (450). In operation 452, the generated (or extracted) user interface is transmitted to the terminal through the financial network.

Thereafter, the terminal acquires image content corresponding to the check card issuing application through a predetermined image obtaining apparatus based on the user interface (455).

If image content corresponding to the check card issuance application is obtained through the image acquisition device (460), the terminal transmits the acquired image content to the server through the financial network (465).

The server receiving the check card issue request information and the image content from the terminal generates a predetermined check card issue request electronic document including the image content (470).

According to an embodiment of the present invention, the server checks the image file including the image content received from the card issuing terminal 190 through the image receiving unit 120 as it is a plurality of check card associated with the single payment account It is preferable to process the electronic card for application for issuing a check card for each virtual account operation.

Alternatively, the server may include customer information and payment account included in the check card issuing application information received through the information receiving unit 115 in the image content received from the card issuing terminal 190 through the image receiving unit 120. Generating a check card issuing application electronic document for operating a virtual account for each of the plurality of check cards associated with the single payment account, the image file corresponding to the image content including at least one or more information of the information by watermarking (Watermarking) method desirable.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, Portable Document Format (PDF)) including the image content received from the card issuing terminal 190 through the image receiving unit 120. Files, electronic data interchange (EDI) files, word processor files including at least one of HWP / DOC, or a web document file including MHT), thereby creating a plurality of check cards associated with the single payment account. It is desirable to create an electronic document for application for issuing a check card for each virtual account operation.

Alternatively, the server may include customer information and payment account included in the check card issuing application information received through the information receiving unit 115 in the image content received from the card issuing terminal 190 through the image receiving unit 120. Generate image content including at least one or more of the information in a watermarking manner, and include a predetermined document file (eg, a Portable Document Format (PDF) file or EDI (Electronic Data) including the generated image content. Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT, etc.) to generate a check for operating a virtual account for each check card associated with the single payment account. It is preferable to generate an electronic document for card issuance application.

According to another exemplary embodiment of the present invention, the server requests for issuing a check card received through the image content and the image content received from the card issuing terminal 190 through the image receiving unit 120. A predetermined document file including information (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.), or a web document including an MHT. File, etc.), it is preferable to generate a check card issuance application electronic document for operating a virtual account for each of the plurality of check cards associated with the single payment account.

Alternatively, the server may include customer information and payment included in the check card issuing application information received through the information receiving unit 115 in the image content received from the card issuing terminal 190 through the image receiving unit 120. Generates image content including at least one or more information of the account information by a watermarking method, and includes a predetermined document file (eg, PDF (Portable Document Format) including the generated image content and the check card issue application information. File), or an EDI (Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT), thereby creating a plurality of checks associated with the single payment account. It is desirable to generate a check card issuance request electronic document for operating a virtual account for each card.

Those skilled in the art to which the present invention pertains include technical features that the server generates a check card issuance request electronic document in an image file format and / or a predetermined document file format, and the check card issue request electronic document. Since it will be familiar with the technical features of the file format for the image file and / or document file corresponding to the detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated check card issuance request electronic document in a predetermined electronic document storage (475).

As shown in FIG. 1, the electronic document repository includes a predetermined electronic document server 155 and an electronic document D / B 175 associated with a server on the check card issuing system through predetermined communication means. When provided in the, it is preferable that the server transmits the generated check card issuance request electronic document to the electronic document server 155 through the communication means to store in the electronic document D / B (175).

Alternatively, when the electronic document storage is provided on the DBMS provided in the check card issuing system, the server transmits the generated check card issuing application electronic document to the electronic document storage on the DBMS provided in the check card issuing system. It is possible to store in the corresponding electronic document D / B 175, whereby the present invention is not limited.

According to an embodiment of the present invention, storing the check card issuance request electronic document in the electronic document storage is illustrated in FIG. 1 by linking the generated check card issuance request electronic document with predetermined electronic document management information. It is preferable to include storing in the electronic document D / B (175).

Here, the electronic document management information preferably comprises a predetermined electronic document unique number (or unique information) assigned to the check card issuance request electronic document and the electronic document storage date and time information.

In addition, the electronic document management information is preferably made further comprises information on the financial institution that transmitted the check card issuance request electronic document.

The electronic document management information may include predetermined electronic document-related information (for example, customer information written in a check card issuance application form corresponding to the image content, and / or financial institution information transmitting the check card issuance request electronic document, and And / or electronic document file format information, and / or the check card issuance application information).

If the check card issuance request electronic document is stored in the electronic document repository (480), the server issues a check card based on the customer information and payment account information included in the check card issuance application information (485) ), The check card issuing information on the check card issuing process result is stored in the storage medium 180 (490).

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

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

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

When the predetermined card information provided in the check card is generated by the server, the server generates a check card including the card information through the card issuing device 185 (or includes the card information in the check card). The check card is provided (or shipped) to the customer.

If the check card is an MS (Magnetic Stripe) card, the card issuing device 185 records the card information on at least one or more MS tracks (eg, track I, track II, track III) included in the check card. Wherein the server generates (or extracts) card information in a data structure recordable in at least one or more MS tracks, and the server generates at least card information through the card issuing device 185. By writing to one or more MS tracks, a predetermined check card is issued for the customer.

Alternatively, if the check card is an integrated circuit (IC) card, the card issuing device 185 includes a device for recording the card information in a memory provided in the IC chip of the check card. The server generates (or extracts) the card information in a file structure operable through a chip operating system (COS) provided in the IC chip, and the server sends the card information to the IC through the card issuing device 185. By writing to the memory of the chip, a predetermined check card to be issued to the customer is issued.

The check card produced as described above is provided to the customer and / or delivered to the customer according to a predetermined card providing procedure.

5A and 5B illustrate a process of registering check card issuing application information in a face-to-face manner according to another exemplary embodiment of the present invention.

5a and 5b show a card issuing terminal 190 on the check card issuing system shown in FIG. 1 as a counter terminal 195 provided at a financial institution branch (or branch), and the check card issuing server. In the case where the 100 has a ledger server (not shown) function on the financial system associated with the teller terminal 195 through a predetermined financial network, the predetermined customer virtual for each of the plurality of check cards associated with a single payment account. When a check card issuance application form including at least one of customer information and payment account information is prepared and submitted for account operation, a predetermined counter terminal 195 corresponds to the check card issuance application form through a predetermined image acquisition device. Acquires the image contents of the card, and transmits the check card issuing information corresponding to the check card issuing application to the check card issuing system through a predetermined card issuing interface; When the image content obtained from the check card issuance application form is provided, a predetermined check card issuance request electronic document including the image content is generated and stored in a predetermined electronic document storage, and is included in the check card issue request information. The present invention relates to an implementation method of linking and processing the customer information and payment account information in a predetermined storage medium 180. Specifically, the counter terminal 195 corresponds to the application for issuing the check card through a predetermined image acquisition device. A method of obtaining a predetermined image content, inputting (or selecting) check card issuing application information corresponding to the check card issuing application, and transmitting the same to the check card issuing server 100 is shown.

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 5a and 5b and the check card issuing application information from the counter terminal 195 to the check card issuing server 100. It will be possible to infer various implementation methods for registering the present invention, but the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in Figures 5a and 5b.

For example, in the method shown in FIGS. 5A and 5B, the window terminal 195 acquires predetermined image contents corresponding to the check card issuance application through a predetermined image acquisition device, and / or the check card. Although a user interface for inputting (or selecting) the check card issuing application information corresponding to the issuing application is illustrated and described as being provided from the check card issuing server 100, the check terminal issuing application for a predetermined check card issuing 195. When the program is provided, the user interface may not be provided from the check card issuing server 100, and the present invention is not limited thereto.

5a and 5b, the window terminal 195 shown in FIG. 1 is referred to as " terminal " for convenience, and the check card issuing server 100 shown in FIG. 1 is referred to as " server " The customer information and payment account information transmitted from the counter terminal 195 to the check card issuing server 100 is referred to as "check card issuing application information" for convenience.

Referring to FIGS. 5A and 5B, when a predetermined customer prepares and submits a check card issuance application form including at least one customer information and payment account information for the operation of a virtual account for each check card associated with a single payment account, The window terminal 195 shown in FIG. 1 is connected to the server through a predetermined financial network and connected to a predetermined communication channel, for each of a plurality of check cards associated with a single payment account corresponding to the check card issuance application. When requesting a user interface for operating a virtual account (500), in response to the server inputs (or selects) the check card issuing application information corresponding to the check card issuance application written by the customer in the terminal, and a predetermined image A company for acquiring the predetermined image content corresponding to the check card issuance application through an acquisition device and transmitting it to the server. A user interface is generated (or extracted) (505), and the generated (or extracted) user interface is transmitted to the terminal through the financial network (510).

Thereafter, the terminal inputs (or selects) check card issuing application information including at least one of the customer information and payment account information through the user interface (515).

If the check card issuance request information including at least one of the customer information and the payment account information is input (or selected) through the user interface (520), the terminal uses a predetermined image acquisition apparatus based on the user interface. In operation 525, image contents corresponding to the check card issuance application are obtained.

If image content corresponding to the check card issuance application is obtained through the image acquisition device (530), the terminal transmits the check card issuance application information and image content to the server through the financial network (535). .

Thereafter, the server receives and reads the check card issuing application information including at least one of the customer information and the payment account information through the financial network to check the validity of the check card issuing application information (540).

According to an embodiment of the present invention, the validity check of the check card issuing information is at least one matched with the check card issuing application information to the ledger D / B (200) on the financial system associated with the check card issuing system It is preferable to include checking whether the ledger information is registered.

For example, the validity confirming unit 125 may include, among the information included in the check card issuing application information, the customer information (customer personal information, member information, etc.) of the ledger on the financial system associated with the check card issuing system. It is preferably made to check whether the match with the customer ledger stored in B (200).

Alternatively, the validity of the check card issuance request information is stored in the ledger D / B (200) on the financial system associated with the check card issuance system of the information contained in the check card issuance request information, It is preferable to include checking whether the match with the ledger associated with the customer ledger.

Alternatively, the validity of the check card issuance request information is stored in the ledger D / B (200) on the financial system associated with the check card issuance system of the information contained in the check card issuance request information, It is desirable to include checking that the account ledger matches.

Here, if it is confirmed whether or not matching with the account ledger, it is preferable to include whether or not the financial account owned by the customer through the customer ledger connected to the account ledger.

If the validity of the check card issuing request information is not authenticated (545), the server generates error information for a predetermined check card issuing request and transmits the error information to the terminal (550). Do not perform the corresponding check card issuance procedure.

On the other hand, if the validity of the check card issuing application information is authenticated (545), the server checks the account ledger corresponding to the payment account included in the check card issuing application information (551), and the said account ledger A partial (or full) portion of the payment account balance checks whether one or more card ledgers operating a check card for transaction approval are connected (552).

According to the implementation method of the present invention, whether the at least one card ledger operating a check card for processing a transaction approval through the balance of the payment account included in the application for issuing the check card is connected to the check card By first confirming the account ledger corresponding to the payment account included in the issuance application information, and confirming one or more ledgers linked to the verified account ledger, the transaction is approved through the balance of the payment account included in the check card issuance application information. It is desirable to check whether one or more card ledgers operating a check card that processes the card is connected.

If the card ledger is not connected to the account ledger corresponding to the payment account in response to the verification result (553), the server generates card ledger information for operating the check card requesting the issuance (554). In operation 555, the generated card ledger information is included in the first card ledger.

On the other hand, when the card ledger is connected to the account ledger corresponding to the payment account in response to the check result (553), the server generates card ledger information for operating the check card requested by the customer (issuance); 556) after generating a card ledger corresponding to the check card to be issued to the customer (557), the generated card ledger is added to the N card ledger of the account ledger corresponding to the payment account (558). In operation 559, the generated card ledger information is stored in the connected N-th card ledger.

Here, the connection of the generated card ledger to a new card ledger other than the card ledger connected with the account ledger may include establishing a virtual account having a payment account corresponding to the account ledger as a parent account and opening the virtual account. It is preferable to link with the newly created card ledger.

According to an embodiment of the present invention, when N (N = 1, 2, ..., n) card ledgers are connected to an account ledger corresponding to a payment account included in the received check card issuing request information, the customer After generating a card ledger corresponding to the check card requesting the issuance, the generated card ledger is added to the account ledger corresponding to the payment account as the M (M = N + 1) card ledger, and the generation is performed. The card ledger is preferably processed so that the card ledger information for operating the check card requested by the customer is generated and stored in the card ledger.

In addition, when the card ledger is not connected to the account ledger corresponding to the payment account included in the received check card issuing request information, generate card ledger information for operating the check card requested by the customer, and After generating the card ledger corresponding to the check card, the generated card ledger is added to the account ledger corresponding to the payment account as the first card ledger, and the check is requested by the customer to the generated card ledger. It is preferable to process so that card ledger information for operating a card is generated and stored.

Here, when there is no first card ledger corresponding to the first check card as a result of the check, the first card ledger for storing the card ledger information for operating the check card requested by the customer is generated, and the generated It is preferable to store the generated card ledger information on the first card ledger.

That is, when a customer who has a first check card that uses a portion (or all) of the payment account balance for transaction approval requests a issuance of a second check card that uses a portion (or all) of the payment account balance for transaction approval, The card ledger information for operating the second check card is generated in the account ledger corresponding to the payment account, the card ledger corresponding to the second check card is generated, and added as the second card ledger of the account ledger. It is preferable to process the connection so that the generated card ledger information is included on the second card ledger.

Here, when the customer requests to set payment account usage rights for one or more check cards connected to the payment account, the payment account usage rights information for each of the check cards is generated, and the generated payment account usage right information is It is preferable to include in the card ledger corresponding to the check card to be stored.

Thereafter, the server generates a predetermined check card issuance request electronic document including the image content (560).

According to an exemplary embodiment of the present invention, the server checks a plurality of image files including the image contents received from the card issuing terminal 190 through the image receiving unit 120 as they are associated with the single payment account. It is desirable to process a check card issuance request electronic document for virtual account operation by card.

Alternatively, the server may include customer information and payment account included in the check card issuing application information received through the information receiving unit 115 in the image content received from the card issuing terminal 190 through the image receiving unit 120. Generating a check card issuing application electronic document for operating a virtual account for each of the plurality of check cards associated with the single payment account, the image file corresponding to the image content including at least one or more information of the information by watermarking (Watermarking) method desirable.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, Portable Document Format (PDF)) including the image content received from the card issuing terminal 190 through the image receiving unit 120. Files, electronic data interchange (EDI) files, word processor files including at least one of HWP / DOC, or a web document file including MHT), thereby creating a plurality of check cards associated with the single payment account. It is desirable to create an electronic document for application for issuing a check card for each virtual account operation.

Alternatively, the server may include customer information and payment account included in the check card issuing application information received through the information receiving unit 115 in the image content received from the card issuing terminal 190 through the image receiving unit 120. Generate image content including at least one or more of the information in a watermarking manner, and include a predetermined document file (eg, a Portable Document Format (PDF) file or EDI (Electronic Data) including the generated image content. Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT, etc.) to generate a check for operating a virtual account for each check card associated with the single payment account. It is preferable to generate an electronic document for card issuance application.

According to another exemplary embodiment of the present invention, the server requests for issuing a check card received through the image content and the image content received from the card issuing terminal 190 through the image receiving unit 120. A predetermined document file including information (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.), or a web document including an MHT. File, etc.), it is preferable to generate a check card issuance application electronic document for operating a virtual account for each of the plurality of check cards associated with the single payment account.

Alternatively, the server may include customer information and payment account included in the check card issuing application information received through the information receiving unit 115 in the image content received from the card issuing terminal 190 through the image receiving unit 120. Generating image content including at least one or more information of the information by a watermarking method, and a predetermined document file (eg, Portable Document Format (PDF)) containing the generated image content and the check card issuing application information. Files, electronic data interchange (EDI) files, word processor files including at least one of HWP / DOC, or a web document file including MHT), thereby creating a plurality of check cards associated with the single payment account. It is desirable to create an electronic document for application for issuing a check card for each virtual account operation.

Those skilled in the art to which the present invention pertains include technical features that the server generates a check card issuance request electronic document in an image file format and / or a predetermined document file format, and the check card issue request electronic document. Since it will be familiar with the technical features of the file format for the image file and / or document file corresponding to the detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated check card issuance request electronic document in a predetermined electronic document storage (565).

As shown in FIG. 1, the electronic document repository includes a predetermined electronic document server 155 and an electronic document D / B 175 associated with a server on the check card issuing system through predetermined communication means. When provided in the, it is preferable that the server transmits the generated check card issuance request electronic document to the electronic document server 155 through the communication means to store in the electronic document D / B (175).

Alternatively, when the electronic document storage is provided on the DBMS provided in the check card issuing system, the server transmits the generated check card issuing application electronic document to the electronic document storage on the DBMS provided in the check card issuing system. It is possible to store in the corresponding electronic document D / B 175, whereby the present invention is not limited.

According to an embodiment of the present invention, storing the check card issuance request electronic document in the electronic document storage is illustrated in FIG. 1 by linking the generated check card issuance request electronic document with predetermined electronic document management information. It is preferable to include storing in the electronic document D / B (175).

Here, the electronic document management information preferably comprises a predetermined electronic document unique number (or unique information) assigned to the check card issuance request electronic document and the electronic document storage date and time information.

In addition, the electronic document management information is preferably made further comprises information on the financial institution that transmitted the check card issuance request electronic document.

The electronic document management information may include predetermined electronic document-related information (for example, customer information written in a check card issuance application form corresponding to the image content, and / or financial institution information transmitting the check card issuance request electronic document, and And / or electronic document file format information, and / or the check card issuance application information).

If the check card issuance request electronic document is stored in the electronic document repository (570), the server issues and processes the check card based on the customer information and payment account information included in the check card issuance application information (575). In operation 580, the check card issuing information on the check card issuing process result is stored in the storage medium 180.

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

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

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

When the predetermined card information provided in the check card is generated by the server, the server generates a check card including the card information through the card issuing device 185 (or includes the card information in the check card). The check card is provided (or shipped) to the customer.

If the check card is an MS (Magnetic Stripe) card, the card issuing device 185 records the card information on at least one or more MS tracks (eg, track I, track II, track III) included in the check card. Wherein the server generates (or extracts) card information in a data structure recordable in at least one or more MS tracks, and the server generates at least card information through the card issuing device 185. By writing to one or more MS tracks, a predetermined check card is issued for the customer.

Or, if the check card is an IC (Integrated Circuit) card, the card issuing device 185 comprises a device for recording the card information in the memory provided on the IC chip of the check card, wherein the server Generates (or extracts) the card information in a file structure operable through a chip operating system (COS) provided in the IC chip, and the server transmits the card information through the card issuing device 185 to the IC chip. By writing to the memory of the user, a predetermined check card to be issued to the customer is issued.

The check card produced as described above is provided to the customer and / or delivered to the customer according to a predetermined card providing procedure.

6 is a diagram illustrating a non-face-to-face check card issuing system for operating a virtual account for a plurality of check cards associated with a single payment account according to another embodiment of the present invention.

In more detail, FIG. 6 includes at least one customer information and payment account information for a predetermined customer to operate a virtual account for each check card associated with the single payment account to the check card issuing system through a predetermined card issuing interface. If the check card issuing application information is provided, the check card issuing system generates a predetermined check card issuing application electronic document including the provided check card issuing application information and stores it in a predetermined electronic document storage, and issues the check card. A system for processing a check card issuance based on the customer information and payment account information included in the application information. Specifically, the electronic document repository is an external system linked to the check card issuing system through a predetermined communication means. It is about the implementation method provided in the phase.

Those skilled in the art to which the present invention pertains, various implementation methods for the configuration of a check card issuing system for operating a virtual account for each of a plurality of check cards associated with a single payment account by referring to and / or modifying this figure 6 Although it can be inferred, the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

For example, one of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 6 to infer an implementation method provided in the DBMS in which the electronic document repository is located in the check card issuing system. It will be appreciated that the present invention includes all implementation methods inferred above and is not limited to the implementation method illustrated in FIG.

In addition, according to the implementation method illustrated in FIG. 6, the check card issuance request electronic document is illustrated as being generated by the server side on the check card issuing system, but the present invention is not limited thereto. The check card issuance request electronic document may be generated at the terminal that inputs (or selects) the check card issuance application information (for example, the electronic document generating function provided at the server side is provided at the terminal side to check). Create a card issuance request electronic document), thereby the present invention is not limited.

Hereinafter, receiving the check card issuing application information from the customer through a predetermined card issuing interface on the check card issuing system shown in FIG. 6, generating a predetermined check card issuing application electronic document and storing it in a predetermined electronic document storage. And a component corresponding to at least one or more means for processing check card issuance and / or functional configuration based on the customer information and payment account information included in the check card issuing application information, for convenience. ) ".

Referring to FIG. 6 according to an embodiment of the present invention, a check card issuing system for operating a virtual account for each of a plurality of check cards associated with a single payment account includes at least one wired terminal and / or a wireless terminal used by a customer. And a card issuing terminal 685 including at least one client terminal and the like, wherein the card issuing terminal 685 is a check provided on the check card issuing system through a predetermined network means. The card issuing server 600 and a communication channel are connected.

According to an embodiment of the present invention, the customer connects to the check card issuing server 600 through at least one client terminal of a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network. And inputting (or selecting) check card issuing application information for operating a virtual account for each of the plurality of check cards associated with the single payment account through at least one user interface provided by the check card issuing server 600. It is preferable that the terminal transmits the check card issuing server 600 provided on the check 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 transmission control protocol / Internet protocol (TCP / IP) based communication network and includes a desktop computer and / or a laptop connected to the TCP / IP based communication network. (Notebook) or at least one home appliance terminal (for example, a refrigerator, a set-top-box, etc.) connected to the TCP / IP-based communication network, or a kiosk (KIOSK) connected to the TCP / IP-based communication network It is preferable to make it.

In addition, a wireless terminal connected to the wireless communication network is any terminal device connected to a mobile communication network based on Code Division Multiple Access (CDMA) (and / or High-Speed Downlink Packet Access (HSDPA)), and / or IEEE 802.16x based. A generic term for all terminal devices connected to the portable Internet and / or all terminal devices connected to an IEEE 802.11x based wireless LAN, and is connected to the CDMA based (and / or HSDPA based) mobile communication network (Personal Communication System; PCS). ) And / or Global System for Mobile communications (GSM) terminals and / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or Personal Digital Assistants (PDAs) ) And / or a smart phone and / or telematics, or a portable Internet terminal connected to the IEEE 802.16x based mobile Internet, or the IEEE 802.11x based It is preferable to include at least one or more WLAN terminal connected to the WLAN.

In addition, the check card issuing server 600 connected to the client terminal may be any one of an internet banking server and / or a wireless banking server and / or a tele banking server and / or a TV banking server according to the characteristics of the client terminal and the network means. Or, and / or comprises a separate web server for issuing the check card.

The network means for connecting the client terminal and the check card issuing server 600 may be a CDMA based (and / or HSDPA based) mobile communication network and / or IEEE 802.16x based on the type of wireless communication network to which the client terminal is connected. It is preferable that any one of the portable Internet and / or IEEE 802.11x based wireless LAN, and / or includes all kinds of wireless communication networks proposed in the future including a predetermined wireless interval.

In addition, the client terminal outputs at least one or more user interfaces provided by the check card issuing server 600, and inputs and / or selects at least one or more information through the user interface to the check card issuing server 600. It is preferable that a function configuration (for example, a browser program and a communication function, or a predetermined communication program and communication function for communicating with the check card issuing server 600, etc.) for transmission to the mobile communication device is provided.

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

In the check card issuing system, a client terminal including at least one or more wired terminals and / or wireless terminals used by the customer, and at least one wireline connecting the client terminal and the check card issuing server 600. The communication network and / or the wireless communication network performs a function of a card issuing interface for registering a check card issuing application information for the customer to operate a virtual account for each check card associated with the single payment account.

According to another exemplary embodiment of the present invention, the card issuing terminal 685 may include an automatic teller machine (ATM) and a cash dispenser connected to a predetermined financial network (for example, a financial common network) in addition to the client terminal. A wired telephone network such as a financial automatic device (not shown) further including a cash dispenser (CD), and / or a public switched telephone network (PSTN) or a voice over IP (VoIP) network. Or further comprises a predetermined call terminal (not shown) connected to the mobile telephone network, and / or a predetermined call terminal (not shown) connected to a mobile telephone network, such as a wireless VoIP network, and / or Terminals (and / or servers) (not shown) provided in at least one or more institutions affiliated with the financial institution may be further included, whereby the present invention is not limited.

In the check card issuing system as described above, when the card issuing terminal 685 is the financial automatic device (not shown), the financial automatic device (not shown) and the financial automatic device (not shown) and the check card are shown. The financial network connecting the issuing server 600 performs a function of a card issuing interface for registering the check card issuing application information for the customer to operate a virtual account for each of the plurality of check cards associated with the single payment account, and / Or the card issuing terminal 685 is the call terminal (not shown), a wired telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the check card issuing server 600 and / Alternatively, the wireless telephone network may include a card issuing interface for registering a check card issuing application information for the customer to operate a virtual account for each of the plurality of check cards associated with the single payment account. And / or when the card issuing terminal 685 is a terminal (and / or server) (not shown) provided in an institution affiliated with the financial institution, the terminal (and / or server) (not shown). O) and the network connecting the terminal (and / or server) (not shown) and the check card issuing server 600 is a check card for the customer to operate a virtual account for each check card associated with the single payment account It performs the function of the card issuing interface for registering the issuance application information.

The storage medium 675 provided on the check card issuing system according to the present invention is based on the check card issuing application information including at least one of the customer information and payment account information provided from the card issuing terminal 685. After issuing a check card to the customer, characterized in that for storing the check card issuance information including one or more customer information, payment account information, card information according to the issuance of the check card.

The customer information includes personal information of the customer (eg, customer's name, social security number, address, telephone number, mobile phone number, e-mail address, etc.), and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). By including at least one member ID information, or CIF (Customer Information File number) provided in the customer ledger provided on the financial system associated with the check card issuing system corresponding to the customer by It is preferable to make.

The payment account information is a portion of the deposit deposited in any one of the financial account in response to the request for transaction approval through the check card requested for issuance of one or more financial accounts owned by the customer requesting issuance of the check card. (Or a full amount) is preferably made of at least one account number, account alias, account holder name, etc. for the target financial account to be used for transaction approval.

The card information includes at least a card number (e.g., a 16-digit card number) corresponding to the check card, an expiration date information (may be omitted in some cases), and card issuer information (or code) for processing the check card issuance. It is preferable to include one or more.

According to an embodiment of the present invention, the storage medium 675 may be provided in a DBMS on a financial system provided on the check card issuing system (or associated with the check card issuing system). The storage medium 675 may be ledger D / B provided in the DBMS on the financial system, and / 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 675 may be provided with (or associated with) an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on the check card issuing system, and It is possible to be provided in the DBMS on at least one or more banking system of the TV banking system, whereby the present invention is not limited.

The check card issuing server 600 provided on the check card issuing system according to the present invention is a generic term for the check card issuing system side component connected to the card issuing terminal 685 and a predetermined network means. It may be implemented by including at least one server (or device), and / or implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited. .

When the card issuing terminal 685 is a client terminal including a wired terminal and / or a wireless terminal connectable to an internet banking server on a predetermined internet banking system, the check card issuing server 600 according to an exemplary embodiment of the present invention. ) Is a predetermined Internet banking server provided on the Internet banking system, and / or a program provided on the Internet banking server, and / or a predetermined access to the external system of the financial system through the Internet banking system. A server (or device), a program included in the server (or device), and / or an external system on the financial system accessible through the internet banking server (and / or the server (or device)). Server (or device), and / or a program provided to the outside world on the financial system, whereby This is not limited.

According to another exemplary embodiment of the present invention, when the card issuing terminal 685 is a client terminal including a wireless terminal connectable to a wireless banking server on a predetermined wireless banking system, the check card issuing server 600 is a wireless terminal. Any server (or device) that is a predetermined wireless banking server provided on a banking system, and / or a program included in the wireless banking server, and / or is accessible to the outside world of the financial system through the wireless banking system. A server (or device) provided to the external system on the financial system, or a program included in the server (or device), and / or accessible through the wireless banking server (and / or the server (or device)). Or / or a program included in the external system on the financial system, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, when the card issuing terminal 685 is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the check card issuing server 600 is configured to transmit the telecard. A predetermined telebanking server (e.g., an Automatic Response Service (ARS) server) provided on a banking system, and / or a program provided in the telebanking server, and / or through the telebanking system, The finance which is a predetermined server (or device) accessible to the outside world, a program included in the server (or device), and / or accessible through the telebanking server (and / or the server (or device)) It may be a server (or device) provided in the external system on the system, and / or a program provided in the external system on the financial system, thereby limiting the present invention. Not.

According to another exemplary embodiment of the present invention, when the card issuing terminal 685 is a wired terminal (or two-way digital TV) connectable to a TV banking server on a predetermined TV banking system, the check card issuing server 600 is A predetermined TV banking server provided on the TV banking system, and / or a program provided on the TV banking server, and / or a predetermined server accessible to the external system of the financial system through the TV banking system ( Or a device provided in the external system on the financial system which is a program provided in the server (or device) and / or accessible through the TV banking server (and / or the server (or device)). Or a device), and / or a program included in the external system on the financial system, and the present invention is not limited thereto.

According to an exemplary embodiment of the present invention, the check card issuing server 600 includes an interface unit 605 (or interface means) for connecting and managing a predetermined communication channel with the card issuing terminal 685 through the network means. It is characterized by comprising.

According to an embodiment of the present invention, when the card issuing terminal 685 is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired communication network and / or a wireless communication network, the interface unit 605 At least one or more pieces of information are connected by connecting a predetermined communication channel with the client terminal based on a protocol stack defined in the wired communication network and / or a wireless communication network, and using a communication protocol defined in a communication program provided in the client terminal. Or data) communication interface for transmitting and receiving.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 605 connects a communication channel with the client terminal based on the TCP / IP protocol. It provides a communication interface for transmitting and receiving web pages (eg, Hyper-Text Markup Language (HTML) compatible web pages) and / or information using the HTPP protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the check card issuing server 600, the interface unit 605 may be connected to the client terminal based on the TCP / IP protocol. It connects a communication channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the card issuing terminal 685 is a financial automatic device connected to a predetermined financial network, the interface unit 605 may be configured to perform the financial 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 an automation device and for transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the automated teller machine. .

According to another embodiment of the present invention, when the card issuing terminal 685 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 605 is a protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal and connecting a predetermined communication channel with the client terminal. .

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol is provided in the client terminal, the interface unit 605 communicates with the client terminal based on the CDMA protocol. And a communication interface for transmitting and receiving web pages (e.g., WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information using the WAP / ME protocol defined in the browser program. .

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip-based banking program) provided by the check card issuing server 600, the interface unit 605 is based on the CDMA protocol. 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 exemplary embodiment of the present invention, when the card issuing terminal 685 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface unit 605 is connected to the wired telephone network and / or It is preferable to connect a communication terminal (not shown) with a predetermined call path based on a voice call protocol defined in a wireless telephone network, and to provide a communication interface for transmitting and receiving the voice call-based information (or data).

For example, the interface unit 605 may provide a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, and / or a communication interface for transmitting and receiving information based on voice recognition. to provide.

According to another exemplary embodiment of the present invention, when the card issuing terminal 685 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface unit 605 may define a protocol defined in the TV banking system. Connect a predetermined communication channel with the wired terminal (or two-way digital TV) based on the stack, and use the communication protocol defined in the communication program included in the wired terminal (or two-way digital TV) to use at least one information ( Or data) communication interface for transmitting and receiving.

Referring to FIG. 6, when the card issuing terminal 685 connects the check card issuing server 600 with a predetermined communication channel through the interface unit 605, The card issuing terminal 685 inputs (or selects) predetermined check card issuing application information and transmits it to the check card issuing server 600 in order to operate a virtual account for each of the plurality of check cards associated with the single payment account. The interface providing unit 610 (or generating) (or extracting) at least one user interface and providing the generated (or extracted) user interface to the card issuing terminal 685 in association with the interface unit 605. Interface providing means) and when the card issuing terminal 685 inputs (or selects) and transmits the check card issuing application information through the user interface, Characterized in that obtained by having a seubu 605 and the information receiving unit 615 (or an information receiving means) for receiving the check card issuance request information sent from the card issuing station (685) in association.

The interface providing unit 610 connects the check card issuing server 600 with the check card issuing server 600 through the interface issuing unit 605 through the interface unit 605, and then the check card issuing server 600. When requesting a user interface for operating a virtual account for each check card associated with the single payment account, the card issuing terminal 685 inputs (or selects) predetermined check card issuing application information through the network means. Generate at least one user interface to be transmitted to the check card issuing server 600, and / or extract from a predetermined database (not shown), and the generated (or extracted) in conjunction with the interface unit 605 A user interface is provided to the card issuing terminal 685 via the network means.

According to an embodiment of the present invention, when the card issuing terminal 685 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface providing unit 610 may include a browser program provided in the client terminal; And / or generate (or extract) a predetermined user interface that can be provided to a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 605.

According to another exemplary embodiment of the present invention, when the card issuing terminal 685 is a financial automatic device connected to a predetermined financial network, the interface providing unit 610 may be a financial transaction related program provided in the financial automatic device. 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 ATM using the interface unit 605.

According to another embodiment of the present invention, when the card issuing terminal 685 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 610 is a browser provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided by a program and / or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 605.

According to another exemplary embodiment of the present invention, when the card issuing terminal 685 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit 610 may use the call terminal (not shown). Generate (or extract) a predetermined user interface that can be provided as an omission, and generate the user interface (eg, ARS based user interface) through the interface unit 605 to the call terminal (not shown). Is preferably provided.

According to another exemplary embodiment of the present invention, when the card issuing terminal 685 is a wired terminal (or a two-way digital TV) connected to a TV banking system, the interface providing unit 610 may provide the wired terminal (or two-way digital). It is preferable to generate (or extract) a predetermined user interface that can be provided to a TV) and to provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 605. .

At least one or more to input (or select) predetermined check card issuing application information to the card issuing terminal 685 according to another embodiment of the present invention to transmit to the check card issuing server 600 through the network means. When a predetermined check card issuing application program having a user interface is provided, a user interface for inputting (or selecting) predetermined check card issuing application information is transmitted to the check card issuing server 600 as described above. The interface providing unit 610 provided to the card issuing terminal 685 (or extracted) may be omitted, and the present invention is not limited thereto.

Thereafter, the card issuing terminal 685 inputs (or selects) check card issuing application information including at least one of the customer information and payment account information through the user interface, and the input (or selected) check card. Issuing application information is transmitted to the check card issuing server 600 through the network means, and correspondingly, the information receiving unit 615 is transmitted from the card issuing terminal 685 in association with the interface unit 605. Characterized in that receiving the check card issuance application information.

According to the method of the present invention, the card issuing terminal 685 is the check card issuing information from the check card issuing server 600 to the check card issuing information including at least one of the customer information and payment account information. At least one or more predetermined password and / or security card information and / or an OTP code generated through a predetermined one time password (OTP) generator for checking the validity of the check card through the network means. It is preferable to transmit to the issuing server 600.

According to the exemplary embodiment of the present invention, the card issuing terminal 685 includes at least one encryption method (eg, a symmetric key based encryption method) and check card issuing application information including at least one of the customer information and payment account information. And / or public key-based encryption, and / or electronic envelope-based encryption, and / or key exchange-based encryption, etc.) and / or attach a predetermined electronic signature to the check card issuing application information. Preferably, the card issuing terminal 685 is provided with at least one encryption key corresponding to the encryption scheme, and / or at least one encryption is performed. Have a predetermined certificate containing a key, and / or the certificate is placed on a predetermined IC chip (or IC card) When provided, it is preferable that a card reader for checking the official certificate provided on the IC chip (or IC card) is provided.

Those skilled in the art to which the present invention pertains include technical features of various encryption methods for encrypting the check card issuing application information, and technical features of attaching a predetermined electronic signature to the check card issuing information. Since it will be familiar with, detailed description thereof will be omitted for convenience.

Referring to FIG. 6, when the check card issuing application information received from the card issuing terminal 685 is received through the information receiving unit 615, the check card issuing server 600 receives the received check card issuing request. Characterized in that it comprises a validity check unit 620 (or validity verification means) for confirming whether the information satisfies the validity for the operation of the virtual account for each of the check card associated with the single payment account.

According to an embodiment of the present invention, the check card issuance information may include at least one encryption method (eg, a symmetric key based encryption method and / or a public key based encryption method, and / or an electronic envelope based encryption method, and / or When encrypted with a key exchange-based encryption scheme, the validity verification unit 620 may include at least one decryption scheme (eg, a symmetric key-based decryption scheme) corresponding to the encryption scheme. / Or public key based decryption scheme, and / or electronic envelope based decryption scheme, and / or key exchange based decryption scheme, etc.), it is preferable to authenticate the validity of the received check card issuing application information.

Alternatively, when a predetermined electronic signature is attached to the check card issuing application information, the validity verification unit 620 checks the electronic signature attached to the check card issuing application information, thereby receiving the received check card issuing application information. It is desirable to certify validity.

Those skilled in the art to which the present invention pertains include technical features of various decryption methods for decrypting the encrypted check card issuing information, and technology for confirming an electronic signature attached to the check card issuing information. Since you will be familiar with the features, a detailed description thereof will be omitted.

When the check card issuing application information received through the information receiving unit 615 according to the embodiment of the present invention further includes a predetermined password for checking the validity of the check card issuing application information, the validity checking unit In operation 620, it is preferable to authenticate the validity of the received check card issuing information by comparing and authenticating the received password included in the check card issuing information and the password provided corresponding to the customer on the DBMS. Do.

Alternatively, when the check card issuing application information received through the information receiving unit 615 further includes predetermined security card information for checking the validity of the check card issuing application information, the validity checking unit 620 Compares and authenticates the received security card information included in the check card issuing application information and the security card information provided corresponding to the customer on the DBMS, thereby authenticating the validity of the received check card issuing application information. desirable.

Alternatively, when the check card issuing application information received through the information receiving unit 615 further includes a predetermined OTP code for checking the validity of the check card issuing application information, the validity checking unit 620 By comparing and authenticating the received OTP code included in the check card issuing application information and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS, the received check card issuing application information It is desirable to authenticate the validity of the.

According to an embodiment of the present invention, the validity of the check card issuance request information may be determined by at least one or more ledger information matching the check card issuance request information in the ledger D / B on the financial system associated with the check card issuance system. It is preferable to include checking whether it is registered.

For example, the validity verification unit 620 is the information contained in the check card issuance application information, the customer information (customer information, or personal information, etc.) is ledger on the financial system associated with the check card issuance system D / It is preferable to include checking whether the match with the customer ledger stored in B.

Alternatively, the validity of the check card issuance request information may be determined by the customer ledger stored in the ledger D / B on the financial system linked to the check card issuing system. It is desirable to include checking that it matches the linked ledger.

Alternatively, the verification of the validity of the check card issuance request information may include: an account ledger stored in the ledger D / B on the financial system associated with the check card issuing system, among the information included in the check card issuing information. It is desirable to include checking that a match is found.

Here, if it is confirmed whether or not matching with the account ledger, it is preferable to include whether or not the financial account owned by the customer through the customer ledger connected to the account ledger.

Referring to FIG. 6, when the validity of the check card issuing application information is authenticated through the validity checking unit 620, the check card issuing server 600 corresponds to a payment account included in the check card issuing application information. An information checking unit 631 (or information checking means) for checking whether the account ledger is connected with one or more card ledgers operating a check card for processing a transaction through the balance of the payment account; In response to a card ledger corresponding to one or more check cards connected to the account ledger corresponding to the payment account, the card ledger information for operating the check card requested by the customer and the card ledger information are stored. Generating a card ledger to be added, and adding the generated card ledger to a new card ledger other than the card ledger connected with the account ledger. Thereafter, the new card ledger is characterized by comprising a ledger processing unit 633 (or ledger processing means) for processing the generated card ledger information to be stored.

When the validity of the check card issuing application information is authenticated through the validity checking unit 620, the information checking unit 631 is the payment account in the account ledger corresponding to the payment account included in the check card issuing application information. It is characterized by checking whether one or more card ledgers operating a check card for processing transaction approval through the balance.

According to the implementation method of the present invention, whether the at least one card ledger operating a check card for processing a transaction approval through the balance of the payment account included in the application for issuing the check card is connected to the check card By first checking the account ledger corresponding to the payment account included in the issuing application information, and confirming one or more ledgers connected with the confirmed account ledger, transaction approval is made through the balance of the payment account included in the check card issuing application information. It is desirable to check whether one or more card ledgers operating a check card to be processed are connected.

The ledger processing unit 633 operates a check card requested by the customer when the card ledger corresponding to one or more check cards is connected to the account ledger corresponding to the payment account in response to the verification result. Generate a card ledger information and a card ledger for storing the card ledger information, connect the generated card ledger to a new card ledger other than the card ledger connected with the account ledger, and then connect the card ledger to the new card ledger. And process the generated card ledger information to be stored.

Here, the connection of the generated card ledger to a new card ledger other than the card ledger connected with the account ledger may include establishing a virtual account having a payment account corresponding to the account ledger as a parent account and opening the virtual account. It is preferable to link with the newly created card ledger.

According to an embodiment of the present invention, when N (N = 1, 2, ..., n) card ledgers are connected to an account ledger corresponding to a payment account included in the received check card issuing request information, the customer After generating a card ledger corresponding to the check card requesting the issuance, the generated card ledger is added to the account ledger corresponding to the payment account as the M (M = N + 1) card ledger, and the generation is performed. The card ledger is preferably processed so that the card ledger information for operating the check card requested by the customer is generated and stored in the card ledger.

In addition, when the card ledger is not connected to the account ledger corresponding to the payment account included in the received check card issuing request information, generate card ledger information for operating the check card requested by the customer, and After generating the card ledger corresponding to the check card, the generated card ledger is added to the account ledger corresponding to the payment account as the first card ledger, and the check is requested by the customer to the generated card ledger. It is preferable to process so that card ledger information for operating a card is generated and stored.

Here, when there is no first card ledger corresponding to the first check card as a result of the check, the first card ledger for storing the card ledger information for operating the check card requested by the customer is generated, and the generated It is preferable to store the generated card ledger information on the first card ledger.

That is, when a customer who has a first check card that uses a portion (or all) of the payment account balance for transaction approval requests a issuance of a second check card that uses a portion (or all) of the payment account balance for transaction approval, The card ledger information for operating the second check card is generated in the account ledger corresponding to the payment account, the card ledger corresponding to the second check card is generated, and added as the second card ledger of the account ledger. It is preferable to process the connection so that the generated card ledger information is included on the second card ledger.

Here, when the customer requests to set payment account usage rights for one or more check cards connected to the payment account, the payment account usage rights information for each of the check cards is generated, and the generated payment account usage right information is It is preferable to include in the card ledger corresponding to the check card to be stored.

Referring to FIG. 6, when the validity of the check card issuing application information is authenticated through the validity checking unit 620, the check card issuing server 600 is configured to check the customer based on the received check card issuing application information. The information generating unit 630 (or information generating means) for generating (or extracting) card information corresponding to the check card to be issued to the card, and the check card including the generated card information with the card issuing device 680. And issuing a card issuing unit 645 (or card issuing means) for issuing and processing.

The information generating unit 630 generates (or extracts) predetermined card information to be provided in the check card to the customer based on the check card issuing application information received through the information receiving unit 615. The card information may include at least one card number (eg, 16-digit card number), an expiration date information (some may be omitted), and card issuer information (or code) corresponding to the check card.

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

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

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

When the predetermined card information provided in the check card is generated by the information generating unit 630, the card issuing unit 645 produces a check card including the card information through the card issuing device 680 ( Or the card information in the check card), wherein the check card is provided (or delivered) to the customer.

If the check card is an MS (Magnetic Stripe) card, the card issuing device 680 records the card information on at least one MS track (e.g., track I, track II, track III) included in the check card. In this case, the information generating unit 630 generates (or extracts) card information in a data structure recordable in at least one or more MS tracks, and the card issuing unit 645 issues the card. By recording the card information into at least one or more MS tracks via the device 680, a predetermined check card to be issued to the customer is issued.

Or, if the check card is an IC (Integrated Circuit) card, the card issuing device 680 comprises a device for recording the card information in a memory provided on the IC chip of the check card, wherein the information The generation unit 630 generates (or extracts) the card information in a file structure operable through a COS (Chip Operating System) provided in the IC chip, and the card issuing unit 645 is the card issuing device 680. By writing the card information in the memory of the IC chip through), a predetermined check card to be issued to the customer is issued.

The check card produced as described above is provided to the customer and / or delivered to the customer according to a predetermined card providing procedure.

Referring to FIG. 6, when the validity of the check card issuing application information is authenticated through the validity checking unit 620, the check card issuing server 600 includes a predetermined information including the received check card issuing application information. An electronic document generating unit 625 (or an electronic document generating means) for generating a check card issuing request electronic document, and an electronic document for transmitting the generated check card issuing application electronic document to an electronic document repository associated with the check card issuing system. And a document transmission unit 635 (or electronic document transmission means).

The electronic document generating unit 625 generates a check card issuing application electronic document including the check card issuing application information received from the card issuing terminal 685 through the information receiving unit 615.

According to an exemplary embodiment of the present invention, the electronic document generating unit 625 may include at least one of customer information and payment account information included in the check card issuing application information received through the information receiving unit 615. And a word processor file including at least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, or the like) including the document content, or an MHT. Web document file, etc.) is preferably processed as a check card issuance request electronic document for operating a virtual account for each of the plurality of check cards associated with the single payment account.

Alternatively, the electronic document generating unit 625 generates document content including at least one of customer information and payment account information included in the check card issuing application information received through the information receiving unit 615, and the document content. After including at least one or more information of the customer information, payment account information included in the check card issuing application information in a watermarking (Watermarking) method, a document file containing the document content including the watermarking (for example, PDF ( A portable document format (EDI) file, an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including an MHT) It is desirable to process a check card issuance request electronic document for virtual account operation by card.

Alternatively, the electronic document generating unit 625 generates document content including at least one of customer information and payment account information included in the check card issuing application information received through the information receiving unit 615, and the document content. Application for issuing a check card for operating a virtual account for each of a plurality of check cards associated with the single payment account for an image file including captured image content (for example, image content generated by capturing the document content on a memory) It is preferable to process it as an electronic document.

Alternatively, the electronic document generating unit 625 generates document content including at least one of customer information and payment account information included in the check card issuing application information received through the information receiving unit 615, and the document content. Watermarking at least one or more of the customer information and payment account information included in the check card issuance application information to the captured image content (for example, image content generated by capturing the document content on a memory). After the method is included, the image file including the image content including the watermarking is preferably processed as a check card issuance application electronic document for operating a virtual account for each of the plurality of check cards associated with the single payment account.

According to another exemplary embodiment of the present invention, the electronic document generating unit 625 may include at least one document including customer information and payment account information included in the check card issuing application information received through the information receiving unit 615. A predetermined document file (e.g., a Portable Document Format (PDF) file) that generates content and includes image content (e.g., image content generated by capturing the document content on a memory) that captures the document content; Or an EDI (Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT), thereby creating a plurality of check cards associated with the single payment account. It is advisable to process electronic documents for application for issuing check cards for account management.

Alternatively, the electronic document generating unit 625 generates document content including at least one of customer information and payment account information included in the check card issuing application information received through the information receiving unit 615, and the document content. Watermarking at least one or more of the customer information and payment account information included in the check card issuance application information to the captured image content (for example, image content generated by capturing the document content on a memory). To generate an image content including an image content, and include a document file (eg, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, an HWP / DOC, etc.) including the image content including the watermarking. Generating a word processor file including at least one or a web document file including an MHT) The multiple check card check card issued for a specific virtual account associated with the operation it is desirable to apply processing to electronic documents.

According to another exemplary embodiment of the present invention, the electronic document generating unit 625 includes at least one customer information and payment account information included in the check card issuing application information received through the information receiving unit 615. A predetermined document file (eg, image content generated by generating document content and capturing the document content) (e.g., image content generated by capturing the document content on a memory) and the check card issuance application information (eg, Generating a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT; It is desirable to process a check card issuance application electronic document for operating a virtual account for each of the check cards associated with the check card.

Alternatively, the electronic document generating unit 625 generates document content including at least one of customer information and payment account information included in the check card issuing application information received through the information receiving unit 615, and the document content. Watermarking at least one or more of the customer information and payment account information included in the check card issuance application information to the captured image content (for example, image content generated by capturing the document content on a memory). A document file (for example, a PDF (Portable Document Format) file or an EDI (Electronic Data Interchange) file) including the image content including the watermarking and the check card issuance application information. , Or a word processor file including at least one HWP / DOC, or a web document file including MHT). By gender, debit card issued for multiple accounts, check cards per virtual operating cost associated with the Single Payment Account it is preferable to apply processing to electronic documents.

Those skilled in the art to which the present invention pertains, the electronic document generating unit 625 is a technical feature of generating a check card issuance application electronic document of the image file format and / or a predetermined document file format, and Since the technical features of the file format for the image file and / or document file corresponding to the electronic document for issuing the check card issuance will be familiar, detailed description thereof will be omitted for convenience.

The electronic document transmitting unit 635 transmits and stores the check card issuing application electronic document generated by the electronic document generating unit 625 to a predetermined electronic document repository associated with the check card issuing system. It is done.

As shown in FIG. 6, the electronic document repository is connected to a check card issuing server 600 on the check card issuing system and a predetermined electronic document server 650 and an electronic document D / B ( 670, the electronic document transmission unit 635 is provided to the outside, the electronic document server through the communication means for the check card issuance request electronic document generated by the electronic document generation unit 625 ( 650) characterized in that the transmission.

Here, when the electronic document server 650 and the electronic document D / B 670 is provided outside the check card issuing system, the electronic document server 650 and the electronic document D / B 670 is It is advisable to manage them in accredited bodies.

According to another embodiment of the present invention, when the electronic document storage is provided on the DBMS provided in the check card issuing system, the electronic document transmitting unit 635 is generated by the electronic document generating unit 625. It is possible to store the check card issuing application electronic document in the electronic document D / B 670 corresponding to the electronic document storage on the DBMS provided in the check card issuing system, thereby the present invention is not limited.

According to an embodiment of the present invention, the electronic document transmission unit 635 inputs electronic document related information (eg, the check card issuing application information) for generating predetermined electronic document management information in the electronic document server 650. (Optional) customer information transmitted, and / or financial institution information transmitting the check card issuance request electronic document, and / or electronic document file format information, and / or the check card issue request information, etc.) It is possible to transmit to the electronic document storage, whereby the present invention is not limited.

Referring to FIG. 6, the check card issuing server 600 includes a plurality of check cards in which check card issuing application information received through the information receiving unit 615 is associated with the single payment account through the validity checking unit 620. If the validity for the operation of each virtual account is authenticated, an information storage unit 640 for linking the customer information and payment account information included in the check card issuance application information is validated and stored in a predetermined storage medium 675 (Or information storage means).

When the validity of the check card issuing application information is confirmed by the validity confirming unit 620, the information storage unit 640 processes the customer information and payment account information included in the check card issuing application information in association. When the storage medium 675 is provided in the check card issuing server 600 or is provided on the network associated with the check card issuing server 600, The information storage unit 640 preferably stores and stores the customer information and payment account information included in the received check card issuing application information in the storage medium 675, wherein the storage medium 675 is stored. When provided in the DBMS provided on the financial system, the information storage unit 640 receives the customer information and payment account information included in the received check card issuance application information through the external system on the financial system. By providing a bogye it is preferably stored in a DBMS provided on the financial system.

Referring to FIG. 6, a predetermined check card issuance request electronic document is received from the check card issuing server 600 provided on the check card issuing system, and stored and managed in a predetermined electronic document D / B 670. The electronic document server 650 includes an electronic document receiving unit 655 (or electronic document receiving means) for receiving a predetermined check card issuing application electronic document from the check card issuing server 600 through a predetermined communication means, and An information generating unit 660 (or information generating means) for generating predetermined electronic document management information for storing and managing the received check card issuing application electronic document in the electronic document D / B 670; And an electronic document storage unit 665 (or electronic document storage means) for managing the management information and the check card issuing application electronic document and storing the electronic document in a predetermined electronic document D / B 670.

The electronic document receiving unit 655 may receive a check card issuance request electronic document in the form of an image file and / or a document file from the check card issuing server 600 through the communication means.

According to an embodiment of the present invention, the check card issuing application electronic document received by the electronic document receiving unit 655 through the communication means is received by the check card issuing server 600 from the card issuing terminal 685. A document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP /) containing document contents including at least one of customer information and payment account information included in the application for issuing check card. And a word processor file including at least one DOC or the like, or a web document file including an MHT.

Alternatively, the check card issuing application electronic document received by the electronic document receiving unit 655 through the communication means is included in the check card issuing application information received by the check card issuing server 600 from the card issuing terminal 685. The watermarking method includes at least one of customer information and payment account information included in the check card issuance application information in a document content including at least one of the customer information and payment account information. A document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a word processor file including at least one or more HWP / DOC, etc.) containing document content included therein, or MHT. Web document files).

Alternatively, the check card issuing application electronic document received by the electronic document receiving unit 655 through the communication means is included in the check card issuing application information received by the check card issuing server 600 from the card issuing terminal 685. And an image file including image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one of the stored customer information and payment account information. Do.

Alternatively, the check card issuing application electronic document received by the electronic document receiving unit 655 through the communication means is included in the check card issuing application information received by the check card issuing server 600 from the card issuing terminal 685. The customer included in the check card issuing application information in the image content (eg, the image content generated by capturing the document content on a memory) which captures document content including at least one of the stored customer information and payment account information. After including at least one or more information of the information, payment account information in a watermarking (Watermarking) method, it is preferable to include an image file including the image content including the watermarking.

According to another exemplary embodiment of the present invention, the check card issuing application electronic document received by the electronic document receiving unit 655 through the communication means is received by the check card issuing server 600 from the card issuing terminal 685. Image content (eg, image content generated by capturing the document content on a memory) that captures document content including at least one of customer information and payment account information included in one check card issuing application information. A predetermined document file (for example, a portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) It is preferable to comprise a.

Alternatively, the check card issuing application electronic document received by the electronic document receiving unit 655 through the communication means is included in the check card issuing application information received by the check card issuing server 600 from the card issuing terminal 685. The customer included in the check card issuing application information in the image content (eg, the image content generated by capturing the document content on a memory) which captures document content including at least one of the stored customer information and payment account information. Generating an image content including at least one of information and payment account information by a watermarking method, and including a document file (eg, a Portable Document Format (PDF) file) including the image content including the watermarking; Or an EDI (Electronic Data Interchange) file, a word processor file including at least one or more such as HWP / DOC, or MH Web document file including T).

According to another embodiment of the present invention, the check card issuing application electronic document received by the electronic document receiving unit 655 through the communication means is the check card issuing server 600 from the card issuing terminal 685 Image content (eg, image content generated by capturing the document content on a memory) and capturing document content including at least one of customer information and payment account information included in the received check card issuing application information. A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one HWP / DOC, etc.) including check card issuance application information, or an MHT. Web document files, etc.) to be included.

Alternatively, the check card issuing application electronic document received by the electronic document receiving unit 655 through the communication means is included in the check card issuing application information received by the check card issuing server 600 from the card issuing terminal 685. The customer included in the check card issuing application information in the image content (eg, the image content generated by capturing the document content on a memory) which captures document content including at least one of the stored customer information and payment account information. A document file including image information including at least one of information and payment account information by a watermarking method, and including the watermarking image content and the check card issuance application information (eg, PDF). (Portable Document Format) files, EDI (Electronic Data Interchange) files, or at least one or more HWP / DOC A word processor file, or a web document file including MHT).

The information generating unit 660 is a predetermined electronic document unique number (or unique information) to be assigned to the check card issuance request electronic document received through the electronic document receiving unit 655, and through the electronic document receiving unit 655 And generating electronic document management information including electronic document storage date and time information including a date and time when the check card issuing application electronic document is received (or a date and time at which the check card issuing application electronic document is stored). .

According to the exemplary embodiment of the present invention, the information generating unit 660 checks the check by referring to the check card issuing server 600 which has transmitted the check card issuing request electronic document received through the electronic document receiving unit 655. It is preferable to check the financial institution that sent the card issuance request electronic document, and to generate electronic document management information further including the identified financial institution information.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the check card issuing server 600 through the electronic document receiving unit 655, the information generating unit 660 receives the received information. Electronic document related information (e.g., customer information transmitted by inputting (selecting) the check card issuance request information, and / or financial institution information transmitting the check card issuance request electronic document, and / or electronic document file format information). , And / or the check card issuance application information).

The electronic document storage unit 665 associates a check card issuance request electronic document received through the electronic document receiving unit 655 with electronic document management information generated by the information generating unit 660 to process a predetermined electronic document. It is characterized in that the storage in the D / B (670).

According to an embodiment of the present invention, the check card issuing application electronic document stored in the electronic document D / B 670 by the electronic document storage unit 665 is the check card issuing server 600 by the card issuing terminal. A document file (eg, a Portable Document Format (PDF) file or EDI (Electronic Data Interchange) including document content including at least one or more customer information and payment account information included in the check card issuance application information received from 685. ), A word processor file including at least one or more HWP / DOC, or a web document file including MHT).

Alternatively, the check card issuing request electronic document stored in the electronic document D / B 670 by the electronic document storage unit 665 is a check received by the check card issuing server 600 from the card issuing terminal 685. Watermarking methods include at least one of customer information and payment account information included in the check card issuance application information in document content including at least one of customer information and payment account information included in the card issuing application information. And a document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a HWP / DOC, etc.) containing document content including the watermarking. , Or a web document file including MHT).

Alternatively, the check card issuing request electronic document stored in the electronic document D / B 670 by the electronic document storage unit 665 is a check received by the check card issuing server 600 from the card issuing terminal 685. An image file including image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one of customer information and payment account information included in the card issuing application information. It is preferable to comprise a.

Alternatively, the check card issuing request electronic document stored in the electronic document D / B 670 by the electronic document storage unit 665 is a check received by the check card issuing server 600 from the card issuing terminal 685. Issuing the check card to image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one of customer information and payment account information included in the card issuing application information. After at least one of customer information and payment account information included in the application information is included in a watermarking method, it is preferable to include an image file including the image content including the watermarking.

According to another exemplary embodiment of the present invention, the check card issuing application electronic document stored in the electronic document D / B 670 by the electronic document storage unit 665 is issued by the check card issuing server 600. Image content (eg, generated by capturing the document content in memory by capturing document content including at least one of customer information and payment account information included in the check card issuance application information received from the terminal 685). A predetermined document file (e.g., a portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, etc.) including an image content, or an MHT. Web document files).

Alternatively, the check card issuing request electronic document stored in the electronic document D / B 670 by the electronic document storage unit 665 is a check received by the check card issuing server 600 from the card issuing terminal 685. Issuing the check card to image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one of customer information and payment account information included in the card issuing application information. A document file (eg, PDF) generating image content including at least one or more of customer information and payment account information included in the application information by watermarking, and including the image content including the watermarking. (Portable Document Format) file, EDI (Electronic Data Interchange) file, or a word processor file including at least one or more such as HWP / DOC, or Web document file including MHT).

According to another embodiment of the present invention, the check card issuing application electronic document that the electronic document storage unit 665 stores in the electronic document D / B 670 is the check card issuing server 600 is the card Image content that captures document content including at least one of customer information and payment account information included in the check card issuance application information received from the issuing terminal 685 (for example, the document content is generated by capturing it on a memory). A word including at least one predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or an HWP / DOC) including the image content) and the check card issuance request information. Processor file, or a web document file including MHT).

Alternatively, the check card issuing request electronic document stored in the electronic document D / B 670 by the electronic document storage unit 665 is a check received by the check card issuing server 600 from the card issuing terminal 685. The check card in the image content (e.g., image content generated by capturing the document content on a memory) which captures document content including at least one of customer information and payment account information included in the card issuance application information. Generate image content including at least one or more information of customer information and payment account information included in the issuance application information by watermarking, and include the image content including the watermarking and the check card issuance application information. At least one document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a HWP / DOC) Preferably includes a word processor file, or a web document file including an MHT).

According to an embodiment of the present invention, the electronic document management information stored in the electronic document D / B 670 by the electronic document storage unit 665 in association with the check card issuance request electronic document is issued by the check card. Preferably, the electronic document includes a predetermined electronic document unique number (or unique information) assigned to the application electronic document and the electronic document storage date and time information.

According to the exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B 670 by the electronic document storage unit 665 in association with the check card issuance request electronic document is stored in the check card. Preferably, the check card issuing server 600 which transmits the issuance request electronic document may further include information on a financial institution that has transmitted the check card issuance request electronic document.

According to another exemplary embodiment of the present invention, when a predetermined electronic document related information is further received from the check card issuing server 600, the electronic document storage unit 665 processes the link with the check card issuing application electronic document. The electronic document management information stored in the electronic document D / B 670 may include the received electronic document related information (for example, customer information transmitted by inputting (selecting) the check card issuance application information) and / or the Financial institution information, and / or electronic document file format information, and / or the check card issuing application information, etc.) for transmitting the check card issuing application electronic document.

Figure 7 is a request for issuing a check card stored in the ledger D / B (700) provided in the DBMS on the financial system in a non-face-to-face for the operation of a virtual account for each check card associated with a single payment account according to an embodiment of the present invention It is a figure which shows an information structure.

In more detail, in FIG. 7, when the storage medium 675 shown in FIG. 6 is the ledger D / B 700 provided in the DBMS on the financial system, the ledger information provided in the ledger D / B 700 is used. FIG. 7 illustrates an information structure for an implementation method in which check card issuance application information including the customer information and payment account information is stored. If a person having ordinary knowledge in the technical field to which the present invention pertains refers to FIG. And / or may be modified to infer various information construction methods for storing the check card issuance application information in the ledger D / B 700, but the present invention includes all the inferred implementation methods. It is not limited to the implementation method shown in FIG.

Referring to FIG. 7 according to an embodiment of the present invention, the ledger information provided in the ledger D / B 700 provided in a DBMS on a financial system includes a predetermined customer ledger and an account ledger associated with the customer ledger (eg, , The reception ledger, the loan ledger, etc.) and at least one information associated with the account ledger, the person having ordinary knowledge in the technical field to which the present invention belongs, is provided in the DBMS on the financial system. Ledger D / B 700 includes at least one ledger (e.g., loan ledger, mortgage ledger, ..., etc.) and / or at least for maintaining and managing the ledgers in addition to the customer ledger and account ledger shown in FIG. It will be clearly understood that one or more additional information is included, and it will also be familiar with specific technical matters, so the detailed description thereof is intended for convenience. The.

The customer ledger is CIF (Customer Information File) number, country code, contact person ID, sales office number, customer classification, customer name, customer address, regional classification code, telephone number, business number, business name, classification code, expiration date, status head office Information, Settlement Date, Cash Date, Last Name, Person, Social Security Number, Company Address, Company Phone Number, Mailing Address, Account Number, President, Business Type, Legal Representative, Initial Transaction Date, TRW, DB, Usage, Parent Company Number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The customer ledger includes ledger information for a customer including at least one of individual customers, corporate customers, and minors.

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

In addition, the account ledger is linked to the customer ledger relationally, account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance , Bank account number, interest interest, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, unpaid account transactions, interest rate account, flat currency connection, final payment interest, final payment transaction It includes at least one of a number, an individual interest rate reference, and a final interest calculation date. Periodic reception information, and / or trust reception information including at least one or more of an account number, a deposit amount, a par value, a pension date, and the number of shares corresponding to the account ledger, and / or the account ledger. Transactions that include at least one account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch number, batch transaction, date of payment, bank account line, summary, CIF, etc. It includes the history information.

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

In addition, the virtual account ledger is linked to the account ledger in a relational form, and comprises at least one of a virtual account number, a virtual account attribute, a virtual account opening date, a mother account number, and the like.

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

Referring to FIG. 7, the check card issuing application information provided through the check card issuing system shown in FIG. 6 is stored in the form of additional information added to the virtual account ledger. Characterized in that it comprises at least one or more customer information, payment account information.

The customer information includes personal information of the customer (eg, customer's name, social security number, address, telephone number, mobile phone number, e-mail address, etc.), and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). By including at least one member ID information, or CIF (Customer Information File number) provided in the customer ledger provided on the financial system associated with the check card issuing system corresponding to the customer by It is preferable to make.

The payment account information is a portion of the deposit deposited in any one of the financial account in response to the request for transaction approval through the check card requested for issuance of one or more financial accounts owned by the customer requesting issuance of the check card. (Or a full amount) is preferably made of at least one account number, account alias, account holder name and the like for the target financial account to be used for transaction approval.

The card information includes at least a card number (e.g., a 16-digit card number) corresponding to the check card, an expiration date information (may be omitted in some cases), and card issuer information (or code) for processing the check card issuance. It is preferable to include one or more.

According to another exemplary embodiment of the present invention, the check card issuance application information is stored in the form of information included in the account ledger (not shown), and / or to another ledger other than the account ledger (eg, the customer ledger). It is possible to be stored in the form of additional information to be added and / or in the form of information contained in other ledgers (for example, customer ledger) other than the account ledger, thereby the present invention is not limited.

8A and 8B illustrate a process of registering check card issuing application information in a non-face-to-face manner to operate a virtual account for each of a plurality of check cards associated with a single payment account according to an embodiment of the present invention.

In more detail, FIGS. 8A and 8B show that the card issuing terminal 685 on the check card issuing system shown in FIG. 6 is a client terminal, and the check card issuing server 600 is connected to a client terminal through a predetermined network means. In the case of having an accessible web server function, a predetermined customer checks at least one of customer information and payment account information through the client terminal to operate a virtual account for each of the plurality of check cards associated with the single payment account. If the card issuing application information is provided, the check card issuing system generates a predetermined check card issuing application electronic document including the provided check card issuing application information and stores it in a predetermined electronic document storage, and the check card issuing application information. The customer information and payment account information included in the linked processing to store in a predetermined storage medium 675 The present invention relates to an embodiment of the present invention. Those skilled in the art may refer to and / or modify the drawings 8a and 8b to the check card issuing server 600 from the client terminal. Various implementation methods for registering check card issuance application information may be inferred, but the present invention includes all the implementation methods inferred above, and is not limited to the implementation methods shown in FIGS. 8A and 8B.

For example, in the implementation method shown in FIGS. 8A and 8B, a web page provided by the check card issuing server 600 provides a user interface for the client terminal to input (or select) the check card issuing application information. Although described as being provided through, but the client terminal is provided with a predetermined check card issuing application program, the user interface may not be provided from the check card issuing server 600, thereby limiting the present invention Not.

In the following FIGS. 8A and 8B, the client terminal shown in FIG. 6 is referred to as a "terminal" for convenience, and the check card issuing server 600 shown in FIG. 6 is referred to as a "server" for convenience, and the client terminal The customer information and payment account information transmitted to the check card issuing server 600 is referred to as "check card issuing application information" for convenience.

8A and 8B, when the client terminal illustrated in FIG. 6 is a predetermined network means (for example, when the client terminal is a wired terminal, a TCP / IP based wired communication network, and the client terminal is a wireless terminal, Accessing the server through a CDMA-based (and / or HSDPA-based) mobile communication network, and / or an IEEE 802.16x-based portable Internet, and / or an IEEE 802.11x-based wireless LAN, etc. to connect a predetermined communication channel, When requesting a web page including a user interface for operating a virtual account for each check card associated with a payment account (800), in response, the server issues a check card including at least one of the customer information and payment account information. Generate (or extract) a web page including a user interface for inputting (or selecting) application information and transmitting it to the server (805); And outputs through a network device transmits a web page including a user interface, the generated (or extracted) to the mobile station 810.

According to an embodiment of the present invention, the process of transmitting and / or outputting the web page from the server to the terminal is preferably performed at least once according to the check card issuance request information processing procedure, thereby limiting the present invention. Not.

Thereafter, the terminal inputs (or selects) check card issuing application information including at least one or more customer information and payment account information through a user interface included in the web page (815).

If the terminal receives (or selects) check card issuance request information including the customer information and payment account information through the user interface (820), the terminal inputs (or selects) the communication channel. Customer information and payment account information is transmitted to the server (825).

According to an embodiment of the present invention, the terminal includes a predetermined password for checking the validity of the check card issuing information in the server to the check card issuing information including at least one of the customer information and payment account information; And / or at least one or more security card information and / or an OTP code generated through a predetermined one time password (OTP) generator to transmit to the server via the network means.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, a symmetric key based encryption method, and / or a public key based information) including application information for check card issuance including at least one of the customer information and payment account information. An encryption scheme, and / or an electronic envelope-based encryption scheme, and / or a key exchange-based encryption scheme, etc.), and / or attach a predetermined electronic signature to the check card issuing application information, Preferably, the terminal has at least one encryption key corresponding to the encryption scheme, and / or has a predetermined public certificate including at least one encryption key, and / or If the certificate is provided on a predetermined IC chip (or IC card), the IC chip (or IC card) It is desirable to have a card reader for verifying the public certificate.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, a symmetric key based encryption method, and / or a public key based information) that includes check card issuance request information including at least one of the customer information and payment account information. An encryption method, and / or an electronic envelope-based encryption method, and / or a key exchange-based encryption method, and the like, and transmits the encrypted data to the server through the network means. If the certificate has at least one encryption key and / or has a predetermined certificate containing at least one encryption key, and / or is provided with a predetermined IC chip (or IC card), It is preferable that a card reader is provided for confirming the public certificate provided in the IC chip (or IC card).

Those skilled in the art to which the present invention pertains include technical features of various encryption methods for encrypting the check card issuing application information, and technical features of attaching a predetermined electronic signature to the check card issuing information. Since it will be familiar with, detailed description thereof will be omitted for convenience.

Thereafter, the server receives and reads the customer information and payment account information through the communication channel to check the validity of the check card issuance application information (830).

According to an embodiment of the present invention, the check card issuance request information may include at least one encryption method (eg, a symmetric key based encryption method and / or a public key based encryption method, and / or an electronic envelope based encryption method, and / or Or, if encrypted with a key exchange-based encryption scheme, the server at least one decryption scheme (eg, symmetric key-based decryption scheme, and / or public key) corresponding to the encrypted check card issuance request information Based decryption scheme, and / or electronic envelope based decryption scheme, and / or key exchange based decryption scheme, etc.), it is desirable to authenticate the validity of the received check card issuance application information.

Alternatively, when a predetermined electronic signature is attached to the check card issuing information, the server verifies the validity of the received check card issuing information by checking the electronic signature attached to the check card issuing information. It is preferable.

Those skilled in the art to which the present invention pertains include technical features of various decryption methods for decrypting the encrypted check card issuing information, and technology for confirming an electronic signature attached to the check card issuing information. Since you will be familiar with the features, a detailed description thereof will be omitted.

When the check card issuing application information received through the information receiving unit 615 further includes a predetermined password for checking the validity of the check card issuing application information according to an embodiment of the present invention, the server may be configured as described above. It is preferable to authenticate the validity of the received check card issuing application information by comparing and authenticating the received password included in the check card issuing application information with the password provided corresponding to the customer on the DBMS.

Alternatively, when the check card issuing application information received through the information receiving unit 615 further includes predetermined security card information for checking the validity of the check card issuing application information, the server issues the check card. It is preferable to authenticate the validity of the received check card issuing application information by comparing and authenticating the received security card information included in the application information with the security card information provided corresponding to the customer on the DBMS.

Alternatively, when the check card issuing request information received through the information receiving unit 615 further includes a predetermined OTP code for checking the validity of the check card issuing request information, the server requests the check card issuing request. The validity of the received check card issuance request information is verified by comparing and authenticating the received OTP code included in the information and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS. It is desirable to.

According to the method of the present invention, the validity check of the check card issuing information is at least one or more matching the check card issuing application information to the ledger D / B 700 on the financial system associated with the check card issuing system It is preferable to include checking whether the ledger information is registered.

For example, the validity verification unit 620 is the information contained in the check card issuance application information, the customer information (customer information, or personal information, etc.) is ledger on the financial system associated with the check card issuance system D / It is preferably made to include matching with the customer ledger stored in B (700).

Alternatively, the validity of the check card issuance request information is stored in the ledger D / B 700 on the financial system associated with the check card issuing system, among the information included in the check card issuing information. It is preferable to include checking whether the match with the ledger associated with the customer ledger.

Alternatively, the validity of the check card issuance request information is stored in the ledger D / B 700 on the financial system associated with the check card issuing system, among the information included in the check card issuing information. It is desirable to include checking that the account ledger matches.

Here, if it is confirmed whether or not matching with the account ledger, it is preferable to include whether or not the financial account owned by the customer through the customer ledger connected to the account ledger.

If the validity of the check card issuance request information is not authenticated (835), the server generates a web page including the error information for a predetermined check card issuing application and transmits it to the terminal (840), the check The check card issuing procedure corresponding to the card issuing information is not performed.

On the other hand, if the validity of the check card issuing application information is authenticated (835), the server checks the account ledger corresponding to the payment account included in the check card issuing application information (841), and the confirmed account ledger A part (or full amount) of the payment account balance checks whether one or more card ledgers operating a check card for transaction approval are connected (842).

According to the implementation method of the present invention, whether the at least one card ledger operating a check card for processing a transaction approval through the balance of the payment account included in the application for issuing the check card is connected to the check card By first checking the account ledger corresponding to the payment account included in the issuing application information, and confirming one or more ledgers connected with the confirmed account ledger, transaction approval is made through the balance of the payment account included in the check card issuing application information. It is desirable to check whether one or more card ledgers operating a check card to be processed are connected.

If the card ledger is not connected to the account ledger corresponding to the payment account in response to the verification result (843), the server generates card ledger information for operating the check card requesting the issuance (844). In operation 845, the generated card ledger information is included in the first card ledger.

On the other hand, when the card ledger is connected to the account ledger corresponding to the payment account in response to the verification result (843), the server generates the card ledger information for operating the check card requested by the customer (issuance); 846) after generating a card ledger corresponding to the check card to be issued to the customer (847), and adding the generated card ledger to the Nth card ledger of the account ledger corresponding to the payment account (848). In operation 849, the generated card ledger information is included in the connected Nth card ledger.

Here, the connection of the generated card ledger to a new card ledger other than the card ledger connected with the account ledger may include establishing a virtual account having a payment account corresponding to the account ledger as a parent account and opening the virtual account. It is preferable to link with the newly created card ledger.

According to an embodiment of the present invention, when N (N = 1, 2, ..., n) card ledgers are connected to an account ledger corresponding to a payment account included in the received check card issuing request information, the customer After generating a card ledger corresponding to the check card requesting the issuance, add the generated card ledger to the account ledger corresponding to the payment account as the M (M = N + 1) card ledger, and connect the It is preferable to process so that card ledger information for operating the check card requested by the customer is generated and stored in the generated card ledger.

In addition, when the card ledger is not connected to the account ledger corresponding to the payment account included in the received check card issuing request information, generate card ledger information for operating the check card requested by the customer, and After generating the card ledger corresponding to the check card, the generated card ledger is added to the account ledger corresponding to the payment account as the first card ledger, and the check is requested by the customer to the generated card ledger. It is preferable to process so that card ledger information for operating a card is generated and stored.

Here, when there is no first card ledger corresponding to the first check card as a result of the check, the first card ledger for storing the card ledger information for operating the check card requested by the customer is generated, and the generated It is preferable to store the generated card ledger information on the first card ledger.

That is, when a customer who has a first check card that uses a portion (or all) of the payment account balance for transaction approval requests a issuance of a second check card that uses a portion (or all) of the payment account balance for transaction approval, Generate card ledger information for operating the second check card in the account ledger corresponding to the payment account, generate a card ledger corresponding to the second check card, and add it to the second card ledger of the account ledger. It is preferable to process such that the generated card ledger information is included on the second card ledger.

Here, when the customer requests to set payment account usage rights for one or more check cards connected to the payment account, the payment account usage rights information for each of the check cards is generated, and the generated payment account usage right information is It is preferable to include in the card ledger corresponding to the check card to be stored.

Thereafter, the server generates predetermined document content including at least one or more customer information and payment account information including the check card issuing application information (850), and the predetermined check card issuing application including the document content. Generate a document (852).

According to an exemplary embodiment of the present invention, the server generates document content including at least one or more customer information and payment account information included in the received check card issuing application information, and includes a document file including the document content ( For example, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) may be included. It is preferable to process a check card issuance application electronic document for operating a virtual account for each of the linked check cards.

Or, the server generates document content including at least one or more customer information, payment account information included in the received check card issuing application information, the customer information contained in the check card issuing application information in the document content, After including at least one or more information of the payment account information (Watermarking) method, a document file containing a document content including the watermarking (for example, a PDF (Portable Document Format) file, or EDI (Electronic Data Interchange) File, or a word processor file including at least one of HWP / DOC, or a web document file including MHT), etc.) A check card issuing application electronic document for operating a virtual account for each of the plurality of check cards associated with the single payment account It is preferable to treat with.

Alternatively, the server generates document content including at least one of customer information and payment account information included in the received check card issuance request information, and captures the image content (eg, the document). It is preferable to process the image file including the image content generated by capturing content on the memory as a check card issuance application electronic document for operating a virtual account for each of the plurality of check cards associated with the single payment account.

Alternatively, the server generates document content including at least one of customer information and payment account information included in the received check card issuance request information, and captures the image content (eg, the document). Image content generated by capturing content on a memory) including at least one or more information of customer information and payment account information included in the check card issuing application information by a watermarking method, and then including the watermarking image. It is preferable to process the image file including the contents as a check card issuance request electronic document for operating a virtual account for each of the plurality of check cards associated with the single payment account.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information and payment account information included in the received check card issuing application information, and captures the document content. A predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP / DOC) containing an image content (e.g., image content generated by capturing the document content on a memory). By generating a word processor file including at least one or more, or a web document file including the MHT, etc.), to process as a check card issuance application electronic document for operating a virtual account for each of the plurality of check cards associated with the single payment account It is preferable.

Alternatively, the server generates document content including at least one of customer information and payment account information included in the received check card issuance request information, and captures the image content (eg, the document). Image content generated by capturing content on a memory) to generate image content including at least one of customer information and payment account information included in the check card issuing application information by a watermarking method. A document file including image content including marking (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.), or an MHT. Virtual document for each of the plurality of check cards associated with the single payment account It is desirable to process electronic documents for application for issuing check cards for operation.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information and payment account information included in the received check card issuing application information, and captures the document content. ) A predetermined document file (eg, a Portable Document Format (PDF) file or EDI (Electronic Data) including image content (e.g., image content generated by capturing the document content on a memory) and the check card issuance application information. Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT, etc.) to generate a check for operating a virtual account for each check card associated with the single payment account. It is preferable to process the card issuance application electronic document.

Alternatively, the server generates document content including at least one of customer information and payment account information included in the received check card issuance request information, and captures the image content (eg, the document). Image content generated by capturing content on a memory) to generate image content including at least one of customer information and payment account information included in the check card issuing application information by a watermarking method. A word including at least one image file including marking and a document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) including the check card issuance application information. Processor file, or a web document file containing MHT) It is preferable that the plurality of check card check card issued by the operating process for the virtual account to apply for electronic documents.

Those skilled in the art to which the present invention pertains include technical features that the server generates a check card issuance request electronic document in an image file format and / or a predetermined document file format, and the check card issue request electronic document. Since it will be familiar with the technical features of the file format for the image file and / or document file corresponding to the detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated check card issuance request electronic document in a predetermined electronic document storage (855).

As shown in FIG. 6, the electronic document repository includes a predetermined electronic document server 650 and an electronic document D / B 670 connected to a server on the check card issuing system through predetermined communication means. When provided in the, it is preferable that the server transmits the generated check card issuance request electronic document to the electronic document server 650 through the communication means to store in the electronic document D / B (670).

Alternatively, when the electronic document storage is provided on the DBMS provided in the check card issuing system, the server transmits the generated check card issuing application electronic document to the electronic document storage on the DBMS provided in the check card issuing system. It is possible to store in the corresponding electronic document D / B 670, whereby the present invention is not limited.

According to the implementation method of the present invention, storing the check card issuance request electronic document in the electronic document storage, as shown in Figure 6 by linking the generated check card issuance request electronic document and predetermined electronic document management information It is preferable to include storing in the electronic document D / B (670).

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the check card issuance request electronic document and the electronic document storage date and time information.

In addition, the electronic document management information is preferably made further comprises information on the financial institution that transmitted the check card issuance request electronic document.

The electronic document management information may include predetermined electronic document-related information (for example, customer information transmitted by inputting (selecting) the check card issuing application information and / or financial institution information transmitting the check card issuing application electronic document). , And / or electronic document file format information, and / or the check card issuance application information).

If the check card issuance request electronic document is stored in the electronic document repository (860), the server issues and processes the check card based on the customer information and payment account information included in the check card issuance application information (865). In operation 870, the check card issuing information regarding the check card issuing process result is stored in the storage medium 675.

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

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

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

When the predetermined card information provided in the check card is generated by the server, the server generates a check card including the card information through the card issuing device 680 (or includes the card information in the check card). The check card is provided (or shipped) to the customer.

If the check card is an MS (Magnetic Stripe) card, the card issuing device 680 records the card information on at least one MS track (e.g., track I, track II, track III) included in the check card. Wherein the server generates (or extracts) card information in a data structure recordable in at least one or more MS tracks, and the server generates at least card information through the card issuing device 680. By writing to one or more MS tracks, a predetermined check card is issued to the customer.

Alternatively, if the check card is an integrated circuit (IC) card, the card issuing device 680 includes a device for recording the card information in a memory provided in the IC chip of the check card, wherein the server Generates (or extracts) the card information in a file structure operable through a chip operating system (COS) provided in the IC chip, and the server transmits the card information to the IC chip through the card issuing device 680. By writing to the memory of the user, a predetermined check card to be issued to the customer is issued.

The check card produced as described above is provided to the customer and / or delivered to the customer according to a predetermined card providing procedure.

9A, 9B, and 9C illustrate a process of registering check card issuing application information through a non-face-to-face financial transaction channel for operating virtual accounts for multiple check cards associated with a single payment account according to an embodiment of the present invention. One drawing.

9a, 9b, and 9c, the check card issuing system shown in FIG. 6 is realized through an internet banking system among non-face-to-face financial transaction channels (i.e., issuing the check card shown in FIG. 6). In the case where the check card issuing server 600 on the system is an Internet banking server, the client terminal accesses the Internet banking server through a TCP / IP-based network (for example, the Internet) and performs a predetermined customer authentication procedure. After performing, when the client terminal transmits predetermined check card issuance application information for operating a virtual account for each of the plurality of check cards associated with a single payment account to the internet banking server, the received check card is issued by the internet banking server. Generate a predetermined check card issuance request electronic document containing the application information and store it in a predetermined electronic document repository. As an embodiment of the present invention relates to an implementation method of linking the customer information and payment account information included in the check card issuance application information and storing it in a predetermined storage medium 675. 9a, 9b, and 9c may be inferred by various methods of registering the check card issuing application information through other types of non-face-to-face financial transaction channels by referring to and / or modifying the present invention. The present invention includes all implementation methods, and is not limited to the implementation methods shown in FIGS. 9A, 9B, and 9C.

That is, when accessing the Internet banking server through a predetermined browser program (eg, Microsoft Internet Explorer, and / or Netscape's Netscape Navigator, etc.) included in the client terminal in FIGS. 9A, 9B, and 9C, Although the implementation method for connecting the Internet banking-based financial transaction channel for processing the check card issuance application information between the client terminal and the Internet banking server based on the browser program is shown, those skilled in the art to which the present invention pertains. If so, refer to and / or modify an Internet banking-based financial transaction channel connection method using the browser programs shown in FIGS. 9A, 9B, and 9C, based on a predetermined Internet banking program mounted on the client terminal. Terminal and Internet Banking Book Although it may be possible to infer an implementation method of connecting an internet banking-based financial transaction channel for processing a check card issuing application information, the present invention includes an internet banking-based financial transaction provided based on the internet banking program, Thereby, this invention is not limited.

In addition, those skilled in the art to which the present invention pertains, in addition to the Internet banking system by referring to and / or modify the Internet banking-based financial transaction channel connection method shown in Figures 9a, 9b and 9c, Another banking system such as a telebanking system and / or a wireless banking system and / or a TV banking system may infer an implementation method of connecting a non-face-to-face channel-based financial transaction channel for processing check card issuance information, but the present invention Includes all kinds of non-face-to-face channel based financial transactions including the telebanking system and / or the wireless banking system and / or the TV banking system and / or the non-face-to-face channel banking system proposed in the future. It is by no means limited to the case of the Internet banking shown in FIGS. 9A, 9B, and 9C.

In the following Figures 9a, 9b and 9c, the client terminal is referred to as " terminal " for convenience, and the Internet banking server corresponding to the check card issuing server 600 is referred to as a uniform " server ".

9A, 9B, and 9C, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (900a), the server connects the terminal and the server through the browser. The communication channel is connected to each other (905a), wherein the communication channel is generated (or extracted) by a request of a browser program provided in the terminal from the server and transmitted to the terminal. This means that a predetermined communication session is allocated to receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page in the provided browser program.

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 in a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, and / or the By providing a predetermined script for checking whether to update the security module to the terminal, whether the terminal is equipped with a predetermined security module for Internet banking, and / or update the security module Check (910a).

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 and / or the last update date information from the internet banking program, thereby providing the Internet banking program (and / or Or a security module associated with an internet banking program).

If a predetermined security module is to be mounted and / or updated in the terminal (915a), the server transmits the latest version of the Internet banking security module to the terminal according to a remote program installation procedure defined in the browser program. And mount and / or update 920a.

If it is not necessary to mount and / or update the latest version of the security module for internet banking on the terminal (925a) or to mount and / or update the security module for internet banking on the terminal (915a), the server may By activating the security module for Internet banking mounted on the terminal, 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 (930a), where the security for Internet banking A channel is attached to a predetermined digital signature and / or at least one encryption method (or data) of information (or data) required for security among information (or data) included in a web page to be provided from the server to the terminal. And / or provide an encryption by using an encryption algorithm, the terminal may verify the electronic signature and / or the encryption scheme (and / or encryption algorithm). Means a communication channel for decoding the information (or data) by a predetermined decryption method (and / or a decryption algorithm) corresponding to the rhythm), and also provided by the terminal to the server for processing of the check card issuing application information. By attaching a predetermined digital signature to information (or data) and / or encrypting and transmitting at least one or more encryption methods (and / or encryption algorithms), the server verifies the electronic signature and / or the encryption method ( And / or a communication channel for decrypting the information (or data) with a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm).

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 When the electronic signature is attached to the data) and / or encrypted and provided by at least one or more encryption methods (and / or encryption algorithms), the terminal confirms the electronic signature and / or the encryption method (and / or A communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm), and also provided by the terminal to the server for processing of the check card issuing application information. Attach a predetermined digital signature to information (or data) to be performed and / or at least one When encrypted by the above encryption method (and / or encryption algorithm) and transmitted, the server confirms the digital signature and / or a predetermined decryption method (and / or decryption) corresponding to the encryption method (and / or encryption algorithm). Algorithm) means a communication channel to decode the information (or data).

According to the present invention, the security module is to perform an electronic signature attachment, and / or encryption, and / or protection function for the information (or data) by using the customer's authorized certificate mounted on the terminal It features.

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 (935a).

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 and / 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 according to the request, transmits the electronic signature and / or encryption to the server (and / or authentication server) through the security module, and performs internet banking customer authentication. Request (940a), the server (and / or authentication server) authenticates the customer connected through the terminal as the Internet banking customer for non-face-to-face financial transactions based on the customer authentication data received from the terminal. (945a).

If the Internet banking customer authentication fails (950a), the server blocks the Internet banking security channel for the terminal (955a), 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 (950a), 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 (960a), where the Internet banking based The financial transaction channel refers to a communication channel capable of transmitting and registering predetermined check card issuance application information for operating a virtual account for each of the plurality of check cards associated with a single payment account from the terminal to the server.

Subsequently, when the terminal requests a web page including a user interface for operating a virtual account for each of a plurality of check cards associated with the single payment account to the server through an internet banking-based financial transaction channel (900b), The server generates (or extracts) a web page including a user interface for inputting (or selecting) check card issuance request information including at least one of the customer information and payment account information and transmitting the same to the server (905b). In operation 910b, the webpage including the generated (or extracted) user interface is transmitted to the terminal through the internet banking-based financial transaction channel.

According to an embodiment of the present invention, the web page preferably includes a user interface for inputting (or selecting) check card issuance application information including at least one of customer information and payment account information in the terminal, and And / or print the password and / or security card information (e.g., printed on the security card issued to the customer during the internet banking application process) to verify the validity of the Internet banking customer requesting to register the check card application information. Security card information) and / or one time password (e.g. one-time password generated by an OTP authenticator (or OTP authentication program) provided to a customer by a financial institution during the internet banking application process (or after an internet banking application)). It is preferable to further include a user interface for inputting.

In addition, the transmission and / or output process of the web page to the terminal is preferably performed at least one or more times according to the check card issuance application information processing procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) check card issuing application information including at least one of the customer information and payment account information through the card issuing interface (915b).

If the terminal inputs (or selects) check card issuance request information including the customer information and payment account information through the user interface (920b), the terminal inputs (or selects) through the financial transaction channel. The check card issuing application information is transmitted to the server (925b).

According to an embodiment of the present invention, the terminal includes a predetermined password for checking the validity of the check card issuing information in the server to the check card issuing information including at least one of the customer information and payment account information; And / or at least one or more security card information and / or an OTP code generated through a predetermined one time password (OTP) generator to transmit to the server via the network means.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, a symmetric key based encryption method, and / or a public key based information) including application information for check card issuance including at least one of the customer information and payment account information. An encryption scheme, and / or an electronic envelope-based encryption scheme, and / or a key exchange-based encryption scheme, etc.), and / or attach a predetermined electronic signature to the check card issuing application information, Preferably, the terminal has at least one encryption key corresponding to the encryption scheme, and / or has a predetermined public certificate including at least one encryption key, and / or If the certificate is provided on a predetermined IC chip (or IC card), the IC chip (or IC card) It is desirable to have a card reader for verifying the public certificate.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, a symmetric key based encryption method, and / or a public key based information) including application information for check card issuance including at least one of the customer information and payment account information. An encryption method, and / or an electronic envelope-based encryption method, and / or a key exchange-based encryption method, and the like, and transmits the encrypted data to the server through the network means. If the certificate has at least one encryption key and / or has a predetermined certificate containing at least one encryption key, and / or is provided with a predetermined IC chip (or IC card), It is preferable that a card reader is provided for confirming the public certificate provided in the IC chip (or IC card).

Those skilled in the art to which the present invention pertains include technical features of various encryption methods for encrypting the check card issuing application information, and technical features of attaching a predetermined electronic signature to the check card issuing information. Since it will be familiar with, detailed description thereof will be omitted for convenience.

Thereafter, the server receives and reads the check card issuing application information through the financial transaction channel and checks the validity of the check card issuing application information (930b).

According to an embodiment of the present invention, the check card issuance information may include at least one encryption method (eg, a symmetric key based encryption method and / or a public key based encryption method, and / or an electronic envelope based encryption method, and / or When encrypted with a key exchange-based encryption scheme, the server may include the at least one decryption scheme (eg, a symmetric key based decryption scheme and / or a public key based scheme) corresponding to the encryption scheme. Decryption, and / or electronic envelope-based decryption, and / or key exchange-based decryption, etc.), it is preferable to authenticate the validity of the received check card issuance application information.

Alternatively, when a predetermined electronic signature is attached to the check card issuing information, the server verifies the validity of the received check card issuing information by checking the electronic signature attached to the check card issuing information. It is preferable.

Those skilled in the art to which the present invention pertains include technical features of various decryption methods for decrypting the encrypted check card issuing information, and technology for confirming an electronic signature attached to the check card issuing information. Since you will be familiar with the features, a detailed description thereof will be omitted.

According to an embodiment of the present invention, when the check card issuing application information received through the information receiving unit 615 further includes a predetermined password for checking the validity of the check card issuing application information, the server may be configured as described above. It is preferable to authenticate the validity of the received check card issuing application information by comparing and authenticating the received password included in the check card issuing application information with the password provided corresponding to the customer on the DBMS.

Alternatively, when the check card issuing application information received through the information receiving unit 615 further includes predetermined security card information for checking the validity of the check card issuing application information, the server issues the check card. It is preferable to authenticate the validity of the received check card issuing application information by comparing and authenticating the received security card information included in the application information with the security card information provided corresponding to the customer on the DBMS.

Alternatively, when the check card issuing request information received through the information receiving unit 615 further includes a predetermined OTP code for checking the validity of the check card issuing request information, the server requests the check card issuing request. The validity of the received check card issuance request information is verified by comparing and authenticating the received OTP code included in the information and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS. It is desirable to.

According to the method of the present invention, the validity check of the check card issuing information is at least one or more matching the check card issuing application information to the ledger D / B 700 on the financial system associated with the check card issuing system It is preferable to include checking whether the ledger information is registered.

For example, the validity verification unit 620 is the information contained in the check card issuance application information, the customer information (customer information, or personal information, etc.) is ledger on the financial system associated with the check card issuance system D / It is preferably made to include matching with the customer ledger stored in B (700).

Alternatively, the validity of the check card issuance request information is stored in the ledger D / B 700 on the financial system associated with the check card issuing system, among the information included in the check card issuing information. It is preferable to include checking whether the match with the ledger associated with the customer ledger.

Alternatively, the validity of the check card issuance request information is stored in the ledger D / B 700 on the financial system associated with the check card issuing system, among the information included in the check card issuing information. It is desirable to include checking that the account ledger matches.

Here, if it is confirmed whether or not match with the account ledger, it is preferable to include whether or not the financial account owned by the customer through the customer ledger connected with the account ledger.

If the validity of the check card issuing information is not authenticated (935b), the server generates a web page including predetermined information processing error information and transmits it to the terminal (940b), and the check card issuing application information. Do not perform the corresponding check card issuance procedure.

On the other hand, if the validity of the check card issuing application information is authenticated (935b), the server checks the account ledger corresponding to the payment account included in the check card issuing application information (941b), and the confirmed account ledger It is checked whether or not one or more card ledgers that operate a check card for transaction approval through a portion (or the entire amount) of the payment account balance are connected (942b).

According to the implementation method of the present invention, whether the at least one card ledger operating a check card for processing a transaction approval through the balance of the payment account included in the application for issuing the check card is connected to the check card By first checking the account ledger corresponding to the payment account included in the issuing application information, and confirming one or more ledgers connected with the confirmed account ledger, transaction approval is made through the balance of the payment account included in the check card issuing application information. It is desirable to check whether one or more card ledgers operating a check card to be processed are connected.

If the card ledger is not connected to the account ledger corresponding to the payment account in response to the verification result (943b), the server generates card ledger information for operating the check card requesting the issuance (944b). In operation 945b, the generated card ledger information is included in the first card ledger.

On the other hand, when the card ledger is connected to the account ledger corresponding to the payment account in response to the confirmation result (943b), the server generates card ledger information for operating the check card requested by the customer (issuance); 946b) after generating a card ledger corresponding to the check card to be issued to the customer (947b), the generated card ledger is added to the N card ledger of the account ledger corresponding to the payment account (948b). In operation 949b, the generated card ledger information is included in the connected N-th card ledger.

Here, the connection of the generated card ledger to a new card ledger other than the card ledger connected with the account ledger may include establishing a virtual account having a payment account corresponding to the account ledger as a parent account and opening the virtual account. It is preferable to link with the newly created card ledger.

According to the method of the present invention, when the N (N = 1, 2, ..., n) card ledger is connected to the account ledger corresponding to the payment account included in the received check card issuing request information, the customer After generating a card ledger corresponding to the check card requesting the issuance, the generated card ledger is added to the account ledger corresponding to the payment account as the M (M = N + 1) card ledger, and the generation is performed. The card ledger is preferably processed so that the card ledger information for operating the check card requested by the customer is generated and stored in the card ledger.

In addition, when the card ledger is not connected to the account ledger corresponding to the payment account included in the received check card issuing request information, generate card ledger information for operating the check card requested by the customer, and After generating the card ledger corresponding to the check card, the generated card ledger is added to the account ledger corresponding to the payment account as the first card ledger, and the check is requested by the customer to the generated card ledger. It is preferable to process so that card ledger information for operating a card is generated and stored.

Here, when there is no first card ledger corresponding to the first check card as a result of the check, the first card ledger for storing the card ledger information for operating the check card requested by the customer is generated, and the generated It is preferable to store the generated card ledger information on the first card ledger.

That is, when a customer who has a first check card that uses a portion (or all) of the payment account balance for transaction approval requests a issuance of a second check card that uses a portion (or all) of the payment account balance for transaction approval, The card ledger information for operating the second check card is generated in the account ledger corresponding to the payment account, the card ledger corresponding to the second check card is generated, and added as the second card ledger of the account ledger. It is preferable to process the connection so that the generated card ledger information is included on the second card ledger.

Here, when the customer requests to set payment account usage rights for one or more check cards connected to the payment account, the payment account usage rights information for each of the check cards is generated, and the generated payment account usage right information is It is preferable to include in the card ledger corresponding to the check card to be stored.

Thereafter, the server generates predetermined document content including at least one or more customer information and payment account information including the check card issuing request information (950c), and the predetermined check card issuing request electronic including the document content. Generate a document (953c).

According to an exemplary embodiment of the present invention, the server generates document content including at least one or more customer information and payment account information included in the received check card issuing application information, and includes a document file including the document content ( For example, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) may be included. It is preferable to process a check card issuance application electronic document for operating a virtual account for each of the plurality of linked check cards.

Or, the server generates document content including at least one or more customer information, payment account information included in the received check card issuing application information, the customer information contained in the check card issuing application information in the document content, After including at least one or more information of the payment account information (Watermarking) method, a document file containing a document content including the watermarking (for example, a PDF (Portable Document Format) file, or EDI (Electronic Data Interchange) File, or a word processor file including at least one of HWP / DOC, or a web document file including MHT), etc.) A check card issuing application electronic document for operating a virtual account for each of the plurality of check cards associated with the single payment account It is preferable to treat with.

Alternatively, the server generates document content including at least one of customer information and payment account information included in the received check card issuance request information, and captures the image content (eg, the document). It is preferable to process the image file including the image content generated by capturing content on the memory as a check card issuance application electronic document for operating a virtual account for each of the plurality of check cards associated with the single payment account.

Alternatively, the server generates document content including at least one of customer information and payment account information included in the received check card issuance request information, and captures the image content (eg, the document). Image content generated by capturing content on a memory) including at least one or more information of customer information and payment account information included in the check card issuing application information by a watermarking method, and then including the watermarking image. It is preferable to process the image file including the contents as a check card issuance request electronic document for operating a virtual account for each of the plurality of check cards associated with the single payment account.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information and payment account information included in the received check card issuing application information, and captures the document content. A predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP / DOC) containing an image content (e.g., image content generated by capturing the document content on a memory). By generating a word processor file including at least one or more, or a web document file including the MHT, etc.), to process as a check card issuance application electronic document for operating a virtual account for each of the plurality of check cards associated with the single payment account It is preferable.

Alternatively, the server generates document content including at least one of customer information and payment account information included in the received check card issuance request information, and captures the image content (eg, the document). Image content generated by capturing content on a memory) to generate image content including at least one of customer information and payment account information included in the check card issuing application information by a watermarking method. A document file including image content including marking (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.), or an MHT. Virtual document for each of the plurality of check cards associated with the single payment account Debit card issued for the spirit it is preferable to apply processing to electronic documents.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information and payment account information included in the received check card issuing application information, and captures the document content. ) A predetermined document file (eg, a Portable Document Format (PDF) file or EDI (Electronic Data) including image content (e.g., image content generated by capturing the document content on a memory) and the check card issuance application information. Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT, etc.) to generate a check for operating a virtual account for each check card associated with the single payment account. It is preferable to process the card issuance application electronic document.

Alternatively, the server generates document content including at least one of customer information and payment account information included in the received check card issuance request information, and captures the image content (eg, the document). Image content generated by capturing content on a memory) to generate image content including at least one of customer information and payment account information included in the check card issuing application information by a watermarking method. A word including at least one image file including marking and a document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) including the check card issuance application information. Processor file, or a web document file containing MHT) It is preferable that the plurality of check card check card issued by the operating process for the virtual account to apply for electronic documents.

Those skilled in the art to which the present invention pertains include technical features that the server generates a check card issuance request electronic document in an image file format and / or a predetermined document file format, and the check card issue request electronic document. Since it will be familiar with the technical features of the file format for the image file and / or document file corresponding to the detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated check card issuance request electronic document in a predetermined electronic document storage (955c).

As shown in FIG. 6, the electronic document repository includes a predetermined electronic document server 650 and an electronic document D / B 670 connected to a server on the check card issuing system through predetermined communication means. When provided in the, it is preferable that the server transmits the generated check card issuance request electronic document to the electronic document server 650 through the communication means to store in the electronic document D / B (670).

Alternatively, when the electronic document storage is provided on the DBMS provided in the check card issuing system, the server transmits the generated check card issuing application electronic document to the electronic document storage on the DBMS provided in the check card issuing system. It is possible to store in the corresponding electronic document D / B 670, whereby the present invention is not limited.

According to the implementation method of the present invention, storing the check card issuance request electronic document in the electronic document storage, as shown in Figure 6 by linking the generated check card issuance request electronic document and predetermined electronic document management information It is preferable to include storing in the electronic document D / B (670).

Here, the electronic document management information preferably comprises a predetermined electronic document unique number (or unique information) assigned to the check card issuance request electronic document and the electronic document storage date and time information.

In addition, the electronic document management information is preferably made further comprises information on the financial institution that transmitted the check card issuance request electronic document.

The electronic document management information may include predetermined electronic document-related information (for example, customer information transmitted by inputting (selecting) the check card issuing application information and / or financial institution information transmitting the check card issuing application electronic document). , And / or electronic document file format information, and / or the check card issuance application information).

If the check card issuance request electronic document is stored in the electronic document repository (960c), the server issues a check card based on the customer information and payment account information included in the check card issuance application information (965c). In operation 970c, the check card issuing information regarding the check card issuing processing result is stored in the storage medium 675.

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

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

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

When the predetermined card information provided in the check card is generated by the server, the server generates a check card including the card information through the card issuing device 680 (or includes the card information in the check card). The check card is provided (or shipped) to the customer.

If the check card is an MS (Magnetic Stripe) card, the card issuing device 680 records the card information on at least one MS track (e.g., track I, track II, track III) included in the check card. Wherein the server generates (or extracts) card information in a data structure recordable in at least one or more MS tracks, and the server generates at least card information through the card issuing device 680. By writing to one or more MS tracks, a predetermined check card is issued for the customer.

Alternatively, if the check card is an integrated circuit (IC) card, the card issuing device 680 includes a device for recording the card information in a memory provided in the IC chip of the check card, wherein the server Generates (or extracts) the card information in a file structure operable through a chip operating system (COS) provided in the IC chip, and the server transmits the card information to the IC chip through the card issuing device 680. By writing to the memory of the user, a predetermined check card to be issued to the customer is issued.

The check card produced as described above is provided to the customer and / or delivered to the customer according to a predetermined card providing procedure.

According to the present invention, by providing a plurality of check cards based on one payment account, there is an advantage that the effective card can be utilized.

For example, when a customer receives a check card and decides the purpose of each check card in advance, and when the user makes a payment, checking the details printed on the account book only checks when the check card was used. You can check which part was used.

According to the present invention, by using a plurality of check cards based on one account, it is possible to provide a service for a plurality of check cards based on the amount deposited in one account, without being distributed to each account. There is an advantage.

According to the present invention, by connecting a plurality of check cards to one payment account using a virtual account, respectively, there is an advantage that can effectively manage / operate the check card through the virtual account.

Claims (4)

In the method of operating a card ledger operating a check card for processing transaction approval through the withdrawable amount of a virtual account having a payment account as a parent account, and a financial ledger in which the virtual account ledger operating the virtual account is connected one-to-one, Issuance of a new Nth (N = 2,3, ...) check card is requested to use a portion (or all) of the balance of the payment account corresponding to the account ledger, or payment corresponding to the account ledger When a request is made to change an N (N = 2,3, ...) check card linked account that uses a portion (or the whole amount) of the account balance to the transaction approval, the virtual account ledger that uses the payment account as the parent account. Checking whether one or more card ledgers operating a check card for processing a transaction approval through the withdrawable amount of the virtual account are connected to the account; Generating card ledger information for operating the N-th check card when one or more card ledgers are connected to the virtual account ledger as a result of the checking; Connecting an Nth virtual account ledger having the payment account as a parent account to the account ledger, and adding and connecting an Nth card ledger corresponding to the Nth check card to the Nth virtual account ledger; And storing the generated card ledger information in the N-th card ledger; and a plurality of check card linked virtual accounts linked to a payment account. The method of claim 1, In the virtual account ledger with the payment account as the parent account, the authority for the check card for processing the transaction approval through the available amount of withdrawal of the virtual account is available-available date, the subject of use, and the balance of the balance of the mother account for the virtual account. Generating usage right information for setting an abnormality inclusion; And storing the generated usage right information in a virtual account ledger connected to a card ledger operating the check card. The method further comprises a virtual account for each check card linked to a payment account. . A computer-readable recording medium having recorded thereon a program for executing the method of claim 1. In the system of operating a card ledger operating a check card for processing transaction approval through the withdrawable amount of a virtual account having a payment account as a parent account, and a financial ledger connected to the virtual account ledger operating the virtual account one-to-one, Issuance of a new Nth (N = 2,3, ...) check card is requested to use a portion (or all) of the balance of the payment account corresponding to the account ledger, or payment corresponding to the account ledger When a request is made to change an N (N = 2,3, ...) check card linked account that uses a portion (or the whole amount) of the account balance to the transaction approval, the virtual account ledger that uses the payment account as the parent account. Means for checking whether one or more card ledgers operating a check card for processing a transaction approval through the withdrawable amount of the virtual account are connected to the card; Means for generating card ledger information for operating the N-th check card when one or more card ledgers are connected to the virtual account ledger as a result of the checking; Means for adding an N-th virtual account ledger having the payment account as a parent account to the account ledger, and adding and connecting an N-th card ledger corresponding to the N-th check card to the N-th virtual account ledger; And means for storing the generated card ledger information in the N-th card ledger; and a plurality of check card linked virtual accounts operating system associated with the payment account.

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