KR20100057149A

KR20100057149A - System and method for transaction process of charging/using card and recording medium

Info

Publication number: KR20100057149A
Application number: KR1020080116039A
Authority: KR
Inventors: 이장혁
Original assignee: 한국정보통신주식회사
Priority date: 2008-11-21
Filing date: 2008-11-21
Publication date: 2010-05-31

Abstract

The present invention relates to a method and system for processing a charge / use card transaction and a recording medium therefor. The method for processing a charge / use card transaction according to the present invention includes a payment card / use card for financial transaction and payment for the use card. In the card issuer issuing a charge / use card issued in conjunction with a charge card for charging the payment amount for payment / financial transaction approval, the card company BIN D / B said Storing the use card BIN information of the charge / use card, receiving the full authorization request message transmitted from the affiliated store terminal (or server) at the Bansa server, and receiving the full authorization request card through the card company BIN D / B. Receiving the transmission to the server, receiving the full authorization request message containing the card information and transaction value information from the bansa server, and before the approval request Reading card information included in the card information, using the card information including the BIN information assigned to the card, the card information associated with the card information, and the amount of charge information charged through the card; Processing the approval of the transaction amount included in the approval request text through the charge amount information, transmitting the full text of the approval result corresponding to the approval processing to the bansa server, and a predetermined period of time after the approval processing. At the time of purchase, the process of purchasing a slip for the amount of the authorized use card approved through the charge amount charged through the charge card.

Description

System and Method for Transaction Process of Charging / Using Card and Recording Medium}

1 is a diagram illustrating a configuration of a charge / use card operating system according to an exemplary embodiment of the present invention.

2 is a view showing a charging / using card manufacturing system according to an embodiment of the present invention.

3 is a view showing a charging / using card manufacturing process according to the embodiment of the present invention.

4 is a diagram illustrating a charging / using card charging system configuration according to an exemplary embodiment of the present invention.

5 is a diagram illustrating a charging request process of a charge / use card according to an embodiment of the present invention.

6 is a diagram illustrating a charging process of a charge / use card according to an embodiment of the present invention.

7 is a diagram illustrating a configuration of a charge / use card charging system according to another exemplary embodiment of the present invention.

8 is a diagram illustrating a charging process of a charge / use card according to another exemplary embodiment of the present invention.

9 is a diagram illustrating a configuration of a charge / use card transaction system according to an exemplary embodiment of the present invention.

10 is a diagram illustrating a transaction request process between an affiliated store terminal and a bansa server according to an exemplary embodiment of the present invention.

11 is a diagram illustrating a transaction processing process of a card issuer server according to an exemplary embodiment of the present invention.

12 is a diagram illustrating a transaction process through a use card of a charge / use card according to an embodiment of the present invention.

13 is a diagram illustrating a domestic card-type slip purchase process for the use card transaction of the charge / use card according to an embodiment of the present invention.

14 is a diagram illustrating a configuration of a charge / use card transaction system according to another exemplary embodiment of the present invention.

15 is a diagram illustrating a transaction request process between an affiliated store terminal and a bansa server according to another exemplary embodiment of the present invention.

16 is a diagram illustrating a transaction process through a use card of a charge / use card according to another exemplary embodiment of the present invention.

17 is a diagram illustrating a domestic card-type slip purchase process for the use card transaction of the charge / use card according to an embodiment of the present invention.

18 is a diagram illustrating a configuration of a charge / use card charging system through a charging affiliate according to an exemplary embodiment of the present invention.

19 is a view illustrating a charging request process of a charge / use card through a charging affiliate according to an embodiment of the present invention.

20 is a view showing a charging process of the charge / use card through a charging partner in accordance with an embodiment of the present invention.

FIG. 21 is a view illustrating a process of synchronizing a charge amount between a charging affiliate and a card issuer according to an exemplary embodiment of the present invention.

FIG. 22 is a diagram illustrating a configuration of a charge / use card charging system through a charging affiliate according to another exemplary embodiment of the present invention. FIG.

FIG. 23 is a view illustrating a charging process of a charging / using card through a charging affiliate according to another exemplary embodiment of the present invention.

24 is a view illustrating a synchronization process of a charge amount between a charging affiliate and a card issuer according to another exemplary embodiment of the present invention.

FIG. 25 is a diagram illustrating a configuration of a payment synchronization based charge / use card transaction system according to an exemplary embodiment of the present invention.

FIG. 26 is a diagram illustrating a transaction request process between an affiliated store terminal and a bansa server according to an exemplary embodiment of the present invention.

27 is a diagram illustrating a transaction processing process of a card issuer server according to an exemplary embodiment of the present invention.

28 is a diagram illustrating a transaction process through a use card of a charge / use card according to an embodiment of the present invention.

29 is a diagram illustrating a domestic card-type slip purchase process for the use card transaction of the charge / use card according to an embodiment of the present invention.

FIG. 30 is a diagram illustrating a process of synchronizing a charged amount between a card issuer and a charging affiliate company according to an exemplary embodiment of the present invention.

FIG. 31 is a diagram illustrating a credit synchronization based charge / use card transaction system according to another embodiment of the present invention. FIG.

32 is a diagram illustrating a transaction request process between an affiliated store terminal and a bansa server according to another exemplary embodiment of the present invention.

33 is a diagram illustrating a transaction process through a use card of a charge / use card according to another exemplary embodiment of the present invention.

34 is a diagram illustrating a domestic card-type slip purchase process for the use card transaction of the charge / use card according to an embodiment of the present invention.

FIG. 35 is a view illustrating a charging amount synchronization process between a card issuer and a charging affiliate company according to another exemplary embodiment of the present invention. FIG.

100: card production server 105: charging / using card charging server

110: card issuer server 115: charging affiliate server

120: Bansa server 125: merchant terminal

130: client terminal 135: charging terminal

The present invention is a card issuer issuing a charge / use card issued in connection with a charge card for charging payment / financial transaction authorization and the charge amount for payment / financial transaction approval for the use card, the charge / A method for processing a usage card transaction, the method comprising: storing usage card BIN information of the charge / use card in Bansa's card company BIN D / B; Receiving and transmitting the authorization request message to the card issuer server through the card company BIN D / B, and receiving the authorization request message including the card information and transaction value information from the bansa server; Credit card information including the BIN information assigned to the credit card by reading the card information included in the request message, and the charge associated with the credit card information Acknowledging the card information and the charge amount information charged through the charge card, processing the approval for the transaction amount included in the approval request text through the charge amount information, and approval corresponding to the approval process. Transmitting the full text of the result to the bansa server; and, after a certain period of time after the approval processing, purchasing the document for the approved amount of the approved transaction card through the charge amount charged through the charge card. / Use card transactions.

Due to the continuous development of information and communication technology, the card payment system used for payment after recording payment method information on the card media has been generalized. Cards are issued in partnership with other countries.

In the card payment system, if the domestic card payment approval process (except for the professional conversion process), the merchant terminal reads the card information from the card presented by the customer, and completes the authorization request message including the card information and the transaction amount information. When generated and sent to the bansa server, the bansa server reads the BIN (Bank Identification Number) of the card information included in the authorization request full text to check the card company server, and relays the authorization request full text to the confirmed card company server In addition, the card company server is made through a series of processes for approving the card payment through the limit approval through the card information included in the full approval request, after the card payment approval, the card company (or a card purchaser affiliated with the card company) ) Is a series of processes for purchasing a document corresponding to the card payment and paying it according to the domestic card settlement procedure Through processes card payments.

In addition, in the card payment system, if the foreign card payment approval process (except for a professional conversion process), the merchant terminal reads the card information from the card presented by the customer, the authorization request including the card information and transaction amount information When the full text is generated and transmitted to the bansa server, the bansa server reads the BIN of the card information included in the approval request full text to confirm that the card information is not a card issued by a domestic card company, and the approval request full text is sent abroad. When relaying to the card slip purchase company server, the overseas card slip purchase company server relays the full authorization request to a card brand company server, and in response, the card brand company server checks the foreign card issuer corresponding to the card information. When relaying the full text of the authorization request to the foreign card issuer, the foreign card issuer server receives the award. It is made through a series of processes to approve the card payment through the limit approval through the card information included in the full approval request.After the card payment approval, the foreign card slip purchaser purchases a document corresponding to the card payment Card payment is processed through a series of payments according to overseas card settlement procedures.

By the way, in the case of the credit card for the payment card, minors, limited allowances, monetary insolvency, credit defectors and foreign residents living in the country contains a difficult problem to be issued, the check card is also difficult to open the account is issued a very difficult process It contains a complex problem.

Of course, the minor, the limited number, the insolvency, the bad credit, and even foreigners residing in Korea can be issued a prepaid card, in the case of the prepaid card, the prepaid card can process payment through the conventional merchant terminal Since a BIN is not allocated, payment using the prepaid card includes a problem that can be processed only through a dedicated card terminal capable of recognizing the prepaid card.

An object of the present invention for solving the above problems is a charge / use card made in connection with a charge card for charging payment / financial transaction and the charge amount for payment / financial transaction approval for the use card In the system for processing the charge / use card transaction in the issuing card issuer, the Bansa server receives the authorization request message sent from the merchant terminal (or server), and relays the authorization request message to the card issuer server. If so, the professional receiving means for receiving the authorization request message containing the card information and transaction value information from the Bansa server, and the card information included in the authorization request message is read and includes the BIN information assigned to the use card Information checking means for confirming the charge card information associated with the use card information and the charge amount information charged through the charge card; Transaction approval processing means for processing the approval of the transaction amount included in the full text of the approval request through the charge amount information, specialized transmission means for transmitting the full text of the approval result corresponding to the approval processing to the bansa server and the approval processing After a certain period of time, a charge / use card transaction processing system having a voucher purchase processing means for processing the purchase of the document for the transaction authorization amount approved through the charge amount charged through the charge card.

Recharge / use card transaction processing method according to the present invention, a charge / use card made in connection with a payment card for the payment / financial transaction and a charge card for charging the payment / financial transaction authorization for the use card A method of processing a charge / use card transaction in a issuing card issuer, the method comprising: storing used card BIN information of the charge / use card in a Bansa card company BIN D / B; Or a server) receiving an authorization request message transmitted from the server) and relaying the authorization request message to a card issuer server through the card company BIN D / B, the authorization including the card information and transaction amount information from the bansa server. Receiving a request message, and using the card information including the BIN information assigned to the use card by reading the card information contained in the authorization request message And confirming the charge card information associated with the use card information and the charge amount information charged through the charge card, and processing the approval of the transaction amount included in the approval request message through the charge amount information. And transmitting the full text of the approval result corresponding to the approval process to the bansa server, and after a certain period of time after the approval processing, through the charge amount charged through the charge card for the approved amount of the authorized use card. Characterized in that it comprises the step of purchasing the document.

In addition, when issuing the charge / use card, deactivating the charging function of the charge card and the use of the use card, and storing the deactivated charge card information and the use card information in a storage medium in association with the card issuer The method further comprises the step of activating the charge function of the charge card and the use of the use card when charging the charge amount through the charge card, and storing the charge card information and the charge amount information in a storage medium in association with the charge card information; It features.

In addition, when issuing the charge / use card, the charge function of the charge card and the use of the use card is deactivated, and the charge card information associated with the deactivated charge card information, the use card information and the charge amount is set to '0'. Storing the information on the storage medium, and receiving the charging card information and the charging amount information from the charging affiliate server when the charging partner charges the charging amount through the charging card in cooperation with the card issuer; And activating the charging function and the use function of the use card, and storing the charge amount information in a storage medium in synchronization with the received charge amount information.

The method may further include subtracting the amount of money authorized through the use card from the amount of charge charged through the charge card when processing the transaction amount through the use card.

In addition, when the charge amount is charged through the charging affiliate, when the transaction processing through the use card is approved, the amount approved through the use card of the charge / use card from the charge amount charged through the charge card It is characterized in that it further comprises the step of synchronizing the charging affiliate by subtracting.

According to the present invention, the charge / use card, the payment card / charge for financial transactions, and the charge card for charging the payment / financial transaction authorization charges for the use card is provided in a separate card medium Any one of the charge / use integrated cards provided with a single-use card or a charge card for payment / financial transaction and a charge card for charging the payment / finance transaction authorization for the use card Characterized in that it comprises one.

According to the present invention, the charge / use integrated card, the card information of the use card is recorded in the IC chip, the charge card information is recorded in the MS of a single card medium equipped with the IC chip, or the use card The card information is recorded in the MS, the charge card information is recorded in the IC chip of the single card medium provided with the MS, or the card information of the used card is recorded in the track 2 of the MS, and the charge card information is Recorded on track 3 of the MS, or the card information and the charge card information of the use card are recorded on the IC chip (or MS) including the same card number.

The present invention includes a computer-readable recording medium, which records a program for executing the above-described method for processing a charge / use card transaction.

The charge / use card transaction processing system according to the present invention is a charge / use card made by linking a use card for payment / financial transaction and a charge card for charging a payment / finance transaction approval amount for the use card. In the system for processing the charge / use card transaction in the issuing card issuer, the Bansa server receives the full authorization request transmitted from the merchant terminal (or server), and relays the full authorization request to the card issuer server. When sent, the specialized receiving means for receiving the authorization request message including the card information and transaction amount information from the Bansa server, and the BIN information assigned to the use card by reading the card information contained in the authorization request message Information checking means for confirming the charge card information associated with the use card information and the charge amount information charged through the charge card And transaction approval processing means for processing the approval of the transaction amount included in the approval request text through the charge amount information, and a specialized transmission means for transmitting the full text of the approval result corresponding to the approval processing to the bansa server. After a certain period of time after the approval process, through the charge amount charged through the charge card is characterized in that it comprises a ticket purchase processing means for processing the purchase of the document for the approved amount of the approved transaction card.

In addition, when the charge / use card is issued, the information storage means and the card to deactivate the charging function of the charge card and the use of the use card, and to store in the storage medium in association with the deactivated charge card information and use card information When the issuing company charges the charge amount through the charge card, the charge / use card charge which activates the charge function of the charge card and the use function of the use card and stores the charge card information and the charge amount information in a storage medium in association with the charge card information It further comprises a means.

In addition, when issuing the charge / use card, the charge function of the charge card and the use of the use card is deactivated, and the charge card information associated with the deactivated charge card information, the use card information and the charge amount is set to '0'. Information storage means for storing in the storage medium, and charge / use card charging to receive the charge card information and the charge amount information from the charging partner server when the charge amount charged through the charge card at the charging partner affiliated with the card issuer Means and a charge synchronization means for activating the charging function of the charge card and the use function of the use card, and storing the charge amount information in the storage medium in synchronization with the received charge amount information. do.

According to the present invention, the transaction approval processing means, in the processing of the approval of the transaction amount through the use card, it is characterized in that the amount charged through the use card subtracted from the charge amount charged through the charge card .

In addition, when the charge amount is charged through the charging affiliate, when the transaction processing through the use card is approved, the amount approved through the use card of the charge / use card from the charge amount charged through the charge card It is characterized in that it further comprises a charge synchronization means for synchronizing to the charging affiliate by subtracting.

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

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

1 is a diagram illustrating a configuration of a charge / use card operating system according to an embodiment of the present invention.

In more detail, Figure 1 is a charge / payment made by linking a predetermined payment card / credit card used for payment and the charge card for the payment / financial transaction approval charges for the use card through a separate card medium Either a detachable use card or a charge / use integrated card including a use card for payment / financial transaction and a charge card for charging a payment amount for payment / finance transaction approval for the use card on a single card medium. Produces a charge / use card comprising a sale (or payment) to the customer, and when the customer charges a predetermined amount of charge through the charge card of the charge / use card, the charge amount charged through the charge card As a system configuration for use in payment settlement / financial transactions through the use card, having a general knowledge in the technical field to which the present invention belongs May be inferred with reference to and / or modifications to various embodiments of the charging / using card operating system configuration (e.g., some components are omitted, subdivided, or combined). The present invention includes all the implementation methods inferred above, the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 1, the charge / use card operating system is provided in a card issuer operating the charge / use card, and a card making server 100 for producing the charge / use card and the charge / use card. A charge / use card charging server 105 which processes a customer who purchased (or received) a card to charge a predetermined amount of charge through the charge card of the charge / use card, and a charge card of the charge / use card And a card issuer server 110 for processing payment / financial transactions through the use card of the charge / use card through the charged amount charged through the charge / use card. Merchant terminal 125 (or merchant server) for providing a financial transaction, characterized in that it further comprises a bansa server 120.

According to another embodiment of the present invention, the charge / use card charging server 105 may be implemented in the form of a charging affiliate server 115 provided in a separate charging affiliate affiliated with the card issuer, in which case the charging Affiliate server 115 is characterized in that the card issuer server 110 and the charge amount is synchronized.

Here, the affiliated store terminal 125, at least a CAT (Credit Authorization Terminal) equipped with a merchant, or a POS (Point Of Sales) terminal equipped with a payment function for payment transactions through the use card of the charge / use card. Characterized in that it comprises one or more, preferably according to the intention of those skilled in the art further comprises a CD / ATM device for financial transactions.

The bansa server 120 may include a public switched telephone network (PSTN), an intelligent network, an xDSL-based wired network, a code division multiple access (CDMA) / wide-CDMA (WCDMA) -based mobile communication network, and high-speed HSDPA. Downlink Packet Access) based wireless network, the IEEE 802.16x-based portable Internet and the like through a public communication network including at least one of the merchant terminal 125 provided in the affiliated store and the communication channel, x.25 based communication network, encryption / It is characterized in that the affiliated store terminal 125 and the specialized relay target server to connect the communication channel with one or more specialized relay target server through a dedicated network including at least one decryption-based communication network.

According to an embodiment of the present invention, the bansa server 120 recognizes the use card of the charge / use card as a use card of the charge / use card operated by the card issuer, and recognizes card information corresponding to the use card. It is possible to directly transmit the authorization request containing the card to the card issuer server (110).

The card production server 100 provided (or affiliated) with the card issuer may use the payment card for the payment / financial transaction and a charge card for charging the payment amount for the payment / finance transaction approval for the use card. Charge / use detachable card made in connection with a separate card medium or use card for payment / financial transaction and charge card for charging payment / financial transaction approval amount for the use card A generic term for a device (or server) that manufactures a charge / use card including any one of the charge / use integrated cards provided at the card issuer, or at a card maker affiliated with the card issuer. It is characterized by.

The charge / use card charging server 105 provided at the card issuer is charged / used through the charging terminal 135 provided at the charge / use card retailer (or affiliated store) or the client terminal 130 used by the customer. A generic term for a server (or device) that charges a predetermined amount of charge through a charge card of a card, wherein the card issuer that operates the charge / use card is provided, thereby charging the charge / use card. Funds corresponding to the charged amount charged through the card is managed by the card issuer.

The card issuer server 110 provided in the card issuer operates a charge amount charged through a charge card sold (or paid) to the customer through the charge / use card charge server 105, and A generic term for a server (or device) that processes payment / financial transactions requested through the use card of the charge / use card through a charge amount, and is provided to a card issuer operating the charge / use card. do.

2 is a diagram illustrating a charging / using card manufacturing system according to an embodiment of the present invention.

In more detail, Figure 2 is a charge / use separate type made by linking a payment card for a payment / financial transaction and a charge card for charging the payment / financial transaction approval amount for the use card through a separate card medium A card or a charge / use integrated card including a payment card for a payment / financial transaction and a charge card for charging the payment / finance transaction approval for the use card on a single card medium; Producing a charge / use card to deactivate, the charging function of the charge card and the use of the use card included in the charge / use card, the storage medium 240 by linking the deactivated charge card information and use card information Shows a charge / use card making system that stores a card pack including the charge / use card to each charge / use card store after storing in the As one of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 2 to infer various implementation methods for the charge / use card manufacturing system configuration. It includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Hereinafter, in the charging / use card manufacturing system shown in FIG. 2, a separate card medium for the payment card for the payment / financing transaction and a charge card for charging the payment amount for the payment / financing transaction approval for the use card. Charge / use detachable card made in connection with, or the payment card for the payment / financial transaction, and the charge card for charging the payment amount for payment / financial transaction approval for the use card in a single card medium One or more means for making a charge / use card including any one of the use-use cards and / or components corresponding to the functional configuration are referred to as " card making server 100 " for convenience.

Referring to FIG. 2 according to an embodiment of the present invention, the charge / use card production system includes an employee terminal 250 used by a card issuer of a card issuer operating a charge / use card and a communication network. Charging / made in connection with the employee terminal 250 connected to the payment card / credit card for use in payments and payments / financial transaction approval charges for the use card through a separate card medium Either a detachable card or a payment / finance transaction card, and a charge / use integrated card having a charge card for charging the payment / finance transaction authorization for the use card on a single card medium; It characterized in that it comprises a card production server 100 for producing a charge / use card to include.

The employee terminal 250 preferably comprises a terminal device used by the card issuing staff provided in the card issuer operating the charge / use card, card production server connected to the employee terminal (250) 100 preferably comprises a server provided on the card issuer (or card maker affiliated with the card issuer) that operates the charge / use card, the employee terminal 250 and the card production server 100 The communication network for connecting) preferably comprises a communication network for connecting the communication channel between the employee terminal 250 and the card production server 100.

The card production server 100 is connected to the charge card for the payment / financial transaction and the charge card for charging the payment / financial transaction authorization charges for the use card through a separate card medium charge / Either a detachable card or a payment / finance transaction card, and a charge / use integrated card having a charge card for charging the payment / finance transaction authorization for the use card on a single card medium; A generic term for the card issuer system-side component connected to the employee terminal 250 via a communication network to produce a charge / use card, including at least one server (or device), and / or Or at least one or more programs recorded on a recording medium provided in a predetermined server (or apparatus), whereby the present invention is limited. Not.

According to the embodiment of the present invention, the card making server 100 is provided with an interface unit 200 (or interface means) for providing a predetermined card making interface to the employee terminal 250 through the communication network. It features.

The interface unit 200 connects a predetermined communication channel with the employee terminal 250 based on the protocol stack defined in the communication network, and the communication protocol defined in the card production management program included in the employee terminal 250. It is desirable to provide a communication interface for transmitting and receiving at least one or more information (or data).

Referring to FIG. 2, the card production server 100 interoperates with the interface unit 200 to input (or select) predetermined card making information from the employee terminal 250 and transmit the predetermined user interface. The interface providing unit 205 (or interface providing means) generated (or extracted) and provided to the employee terminal 250 and the interface unit 200 in conjunction with the user terminal 250 through the user interface. The charging unit 210 (or information receiving means) for receiving predetermined card making information transmitted by inputting (or selecting) and the BIN information allocated to the card issuer based on the received card making information. Credit card information for payment / financial transactions including the BIN information associated with the allocation of the credit card to the credit card, and the amount of the credit for the payment / financial transaction approval for the credit card. Information card 215 (or information generating means) for generating charging card information for charging the card, and using the predetermined card making apparatus 235, the card information is recorded on the first card medium, and the charging card information A card making unit 220 (card making means) to produce a charge / use detachable card by recording a second card medium, or to produce a charge / use integrated card by recording the use card information and the charge card information on a single card medium. ) And the charge card information included in the charge / use card and the use card information are stored in the storage medium 240, but the charge function of the charge card and the use function of the use card are deactivated, And an information storage unit 225 (or information storage means) configured to set charge amount information to '0' and store the charge amount information in the storage medium 240 in association with the charge card information. Including a use card and a charge card produced by the card production unit 220 in one charge / use card pack to apply for one or more charge / use card stores (or merchants) pre-designated to the charge / use card It is characterized in that it further comprises a card delivery unit 230 (or card delivery means) for shipping to a customer.

The interface provider 205 is connected to the card production server 100 when the employee terminal 250 is connected to the card production server 100 through the interface unit 200, the card corresponding to the functional configuration provided in the employee terminal 250 Create a predetermined user interface that can input (or select) production information and transmit it to the card making server 100 through the communication network, and / or extract it from a predetermined database (not shown), and the interface unit ( And the user interface generated (or extracted) in connection with the 200 to the employee terminal 250 through the communication network.

Thereafter, the employee terminal 250 inputs (or selects) the card making information based on the user interface, and sends the input (or selected) card making information to the card making server 100 through the communication network. send.

According to another exemplary embodiment of the present invention, a card making machine having a predetermined user interface capable of inputting (or selecting) the card making information to the employee terminal 250 and transmitting the card making information to the card making server 100 through the communication network. When the management program is provided, it may be omitted that the interface providing unit 205 provides the user interface to the employee terminal 250.

The information receiving unit 210 inputs (or selects) predetermined card making information through the user interface in the employee terminal 250 and transmits it through the communication network. The card making unit works in conjunction with the interface unit 200. And receiving information.

According to an embodiment of the present invention, the card production information includes BIN information associated with the BIN information assigned to the card issuer and assigned to the use card of the charge / use card, and the BIN (Bank Identification Number) information. It is preferable that the serial number area information of the use card number to be associated with the charge card number system information, and the serial number area information of the charge card number.

The BIN information is BIN information of a card number assigned to a use card belonging to the charge / use card, and the BIN information is assigned to a use card of the charge / use card among BIN information assigned to the card issuer. It is preferable to include the associated BIN.

Serial number area information of the use card number, among the BIN information assigned to the card issuer, among the card numbers to be assigned to the use card in association with the BIN information associated with the allocation to the use card of the charge / use card, It comprises the information to set the serial number area, the serial number of the use card number is preferably one-to-one matching with the serial number of the charge card number.

Preferably, the charge card number system information includes number system information corresponding to a charge card number for charging a charge amount within a preset charge limit amount according to a charging method of a charge card designated by the card issuer. The charge card number system is a domestic dedicated card number system configured to recognize the charge card in the terminal device, a communication network and various relay servers used to charge the charge amount according to the charging method specified by the card issuer, It is desirable to include one or more of a virtual account number system and a media identification number system (eg mobile phone number system).

The serial number area information of the charging card number includes information for setting a serial number area among card numbers to be assigned to the charging card corresponding to the charging card number system, and the serial number of the charging card number is It is preferable to match one-to-one with the serial number of the use card number.

If the charge / use card is a charge / use integrated card having a use card for payment / financial transaction and a charge card for charging the payment / finance transaction approval amount for the use card in a single card medium, The charging card number including the serial number according to the charging card number system may include the same card number as the card number included in the use card information.

The information generation unit 215 is affiliated to assign to the use card of the charge / use card of the BIN information assigned to the card issuer based on the card production information received through the information receiving unit 210. A usage card number including the serial number of any one of the BIN information and the serial number area of the usage card number, the expiration date of the usage card, the CVC / CVV value and the usage card attribute code (e.g., payment attribute, financial transaction attribute); Generating use card information including at least one use card activation / inactivation information, and a charge card number including any serial number of a serial number area of the charge card number corresponding to the charge card number system; One or more information including an expiration date, a charge attribute code (for example, a single charge attribute, a repetitive charge attribute, a charging channel attribute corresponding to each charging method), and charge card activation / deactivation information. Characterized in that the charging card information.

Here, it is preferable that the generated use card number of the use card information and the charge card number of the charge card information match one-to-one, and the charge card validity period can be omitted if the charge card includes one charge attribute. In addition, when the charge card includes a repeating charging attribute, the valid period of the use card and the validity of the charge card preferably comprises the same period.

According to an embodiment of the present invention, when the charge / use card is a charge / use detachable card for recording the charge card information and the use card information on different card media, the first card medium for recording the use card information is MS (Magnetic Stripe) card or IC (Integrated Circuit) card, the second card medium for recording the charge card information is also preferably made of any one of the MS card or IC card, in this case the use card information And the charging card information is preferably generated including a card information structure to be recorded in the MS card or IC card.

According to another embodiment of the present invention, the charge / use card is a charge / use integrated card for recording the charge card information and the use card information on a single card medium, and when the single card medium is an MS card, the use card The information is recorded in track 2 of the MS, and the charge card information is recorded in track 3 of the MS, in which case the use card information is generated including a card information structure to be recorded in the track 2, and The charge card information is preferably generated including a card information structure to be recorded in the track 3.

Alternatively, the charge / use card is a charge / use integrated card for recording the charge card information and the use card information on a single card medium, and the single card medium is a mixed card provided with an MS and an IC in one card medium. Preferably, the use card information is recorded in the IC chip, and the charge card information is recorded in the MS of a single card medium provided with the IC chip. In this case, the use card information is card information to be recorded in the IC chip. A structure (e.g., a file structure operable through a Chip Operating System (COS) on an IC chip), wherein the charge card information includes a card information structure (e.g., a track-specific information structure) to be recorded in the MS. It is desirable to produce.

Alternatively, the charge / use card is a charge / use integrated card for recording the charge card information and the use card information on a single card medium, and the single card medium is a mixed card provided with an MS and an IC in one card medium. Preferably, the use card information is recorded in the MS, and the charge card information is recorded in the IC chip of the single card medium provided with the MS, in which case the use card information is stored in the card information structure ( For example, a track-specific information structure) is generated, and the charge card information is preferably generated including a card information structure (for example, a file structure operable through a COS on an IC chip) to be recorded on the IC chip.

Alternatively, when the charge / use card is a charge / use integrated card for recording the charge card information and the use card information on a single card medium, and the single card medium is an IC card, the use card information is a use card on the IC chip. And the charge card information is recorded in the charge card area on the IC chip. In this case, the use card information is generated including a card information structure to be recorded in the use card area on the IC chip. Preferably, the charge card information is generated including a card information structure to be recorded in the charge card area on the IC chip.

According to another embodiment of the present invention, when the charge / use card is a charge / use integrated card for recording the charge card information and the use card information on a single card medium, the use card information and the charge card information are the same card. It is possible to be recorded on the IC chip (or MS) including the number. In this case, the use card information and the charge card information are preferably generated including the same card number.

When the use card information and the charge card information are generated through the information generation unit 215, the card production unit 220 provides the use card information and the charge card information to the card production device 235, thereby using the use card information. And using the charge card and the charge card recording the charge card information on one or more card media to produce the charge / use card.

When the charge / use card is a charge / use detachable card for recording the charge card information and the use card information on different card media according to an exemplary embodiment of the present invention, the card manufacturing unit 220 includes a card making apparatus ( The use card information and the charge card information are recorded on each MS card or IC card through 235, respectively, and recorded on different card media to produce a use card and a charge card constituting the charge / use separation card. Do.

According to another embodiment of the present invention, the charge / use card is a charge / use integrated card for recording the charge card information and the use card information on a single card medium, and when the single card medium is an MS card, the card making unit The card 220 records the use card information on the track 2 of the MS through the card making apparatus 235, and records the charge card information on the track 3 of the MS, and charges the use card constituting the charge / use integrated card. It is desirable to produce a card.

Alternatively, the charge / use card is a charge / use integrated card for recording the charge card information and the use card information on a single card medium, and the single card medium is a mixed card provided with an MS and an IC in one card medium. The card making unit 220 records the use card information on the IC chip through the card manufacturing apparatus 235, and records the charge card information on the MS of the single card medium provided with the IC chip. It is desirable to produce a use card and a charge card constituting an integrated card.

Alternatively, the charge / use card is a charge / use integrated card for recording the charge card information and the use card information on a single card medium, and the single card medium is a mixed card provided with an MS and an IC in one card medium. The card manufacturing unit 220 records the use card information in the MS through a card making apparatus 235, and records the charge card information in the IC chip of a single card medium provided with the MS for the charge / use integrated type. It is desirable to produce a use card and a charge card constituting the card.

Alternatively, when the charge / use card is a charge / use integrated card for recording the charge card information and the use card information on a single card medium, and the single card medium is an IC card, the card manufacturing unit 220 may be a card making apparatus. The use card and charge card constituting the charge / use integrated card by recording the use card information in the use card area on the IC chip and recording the charge card information in the charge card area on the IC chip through 235. It is preferable to produce.

According to another embodiment of the present invention, when the charge / use card is a charge / use integrated card for recording the charge card information and the use card information on a single card medium, the card manufacturing unit 220 may include a card making device ( The use card information and the charge card information including the same card number are recorded on the IC chip (or MS) through 235 to manufacture the use card and the charge card constituting the charge / use integrated card.

When the use card information and the charge card information are generated through the information generation unit 215, the information storage unit 225 associates the charge card information and the use card information included in the charge / use card with the storage medium 240. ), The charging function of the charging card and the use function of the use card are deactivated, and the charging amount information through the charging card is set to '0' and stored in the storage medium 240 in association with the charging card information. Characterized in that.

When a charge / use card including the use card and the charge card is manufactured through the card maker 220, the card delivery unit 230 uses the use card and the charge card produced by the card maker 220. By providing the charge / use card pack information, which is included in the card pack of the card delivery management server 245, to the customer who applied for the charge / use card or at least one predetermined charge / use card retailer (or merchant) Characterized in that the charge / use card packs shipping process, after the charge / use card stores (or merchants) to sell the charge / use card packs, the use through the charge card included in the charge / use card Process to recharge the charge for the use of the card.

3 is a view illustrating a charging / using card manufacturing process according to an embodiment of the present invention.

In more detail, Figure 3 is a charge / credit card manufacturing system shown in Figure 2, the charge card for the payment / financial transaction, and the charge card for charging the payment / financial transaction approval for the use card Charge / use detachable card made in conjunction with, or the payment card / credit card for use in payment and financial transactions, and charge card for charging the payment amount for payment / financial transaction approval for the use card in a single card medium / Making a charge / use card including any one of the use-integrated card, deactivate the charge function and the use of the use card of the charge card included in the charge / use card, the disabled charge card information and use card information After storing in the storage medium 240 in association with, the card pack including the charge / use card is shipped to each charge / use card retailer As shown in the drawings, one of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 3 to infer various implementation methods for the charging / using card manufacturing process. The invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Hereinafter, the card making server 100 shown in FIG. 2 in FIG. 3 is referred to as a "server" for convenience.

Referring to FIG. 3, when the employee terminal 250 inputs (or selects) card production information through the card production interface to the server, the server transmits the card production information from the employee terminal 250 through the card production interface. The card manufacturing information input (or selected) is received (300).

The BIN information is BIN information of a card number assigned to a use card belonging to the charge / use card, and the BIN information is assigned to a use card of the charge / use card among BIN information assigned to the card issuer. Preferably, the associated BIN is included, whereby the use card belonging to the charge / use card is characterized in that the use card is recognized as the card.

Preferably, the charge card number system information includes number system information corresponding to a charge card number for charging a charge amount within a predetermined charge limit amount according to a charging method of a charge card designated by the card issuer. The card number system is a domestic dedicated card number system configured to recognize the charge card in a terminal device, a communication network, and various relay servers used to charge a charge amount according to a charging method of a charge card designated by the card issuer. For example, it may be preferable to include one or more of a virtual account number system and a media identification number system (eg, a mobile phone number system).

Thereafter, the server, based on the received card making information, among the BIN information allocated to the card issuer, among the BIN information and the serial number area of the use card number, which are assigned to the use card of the charge / use card. Generate use card information including at least one of the use card number including any serial number, the expiration date of the use card, the CVC / CVV value and the use card attribute code (e.g., payment attribute, financial transaction attribute), A charging card number including any serial number of the serial number area of the charging card number corresponding to the charging card number system, a charging card expiration date, a charging attribute code (for example, one charging attribute, repeated charging attribute, Charge card information including one or more charging channel attributes corresponding to each charging method is generated in operation 305.

Here, it is preferable that the generated use card number of the use card information and the charge card number of the charge card information match one-to-one, and when the charge card includes one charge attribute, the charge card validity period can be omitted. In the case where the charging card includes a repeating charging property, the valid period of use of the card and the validity of the charging card may include the same period.

According to an embodiment of the present invention, when the charge / use card is a charge / use detachable card for recording the charge card information and the use card information on different card media, the first card medium for recording the use card information is MS (Magnetic Stripe) card to IC (Integrated Circuit) card, the second card medium for recording the charge card information is also preferably made of any one of the MS card or IC card, in this case the use card The information and the charge card information are preferably generated including the card information structure to be recorded on the MS card or the IC card.

If the use card information and the charge card information is generated (310), the server provides the use card information and charge card information to the card making device 235, the use card recording the use card information and charge card information And recording the charge card on one or more card media to produce the charge / use card (315).

According to an embodiment of the present invention, when the charge / use card is a charge / use detachable card for recording the charge card information and the use card information on different card media, the server may perform the card making apparatus 235 through the card making apparatus 235. It is preferable to manufacture the use card and the charge card constituting the charge / use detachable card by recording the use card information and the charge card information on each MS card or IC card, respectively, on different card media.

According to another embodiment of the present invention, when the charge / use card is a charge / use integrated card for recording the charge card information and the use card information in a single card medium, and the single card medium is an MS card, the server The card making device 235 records the use card information on the track 2 of the MS and the charge card information on the track 3 of the MS to produce the use card and the charge card constituting the charge / use integrated card. It is preferable.

Alternatively, the charge / use card is a charge / use integrated card for recording the charge card information and the use card information on a single card medium, and the single card medium is a mixed card provided with an MS and an IC in one card medium. The server records the use card information on the IC chip through a card making device 235 and writes the charge card information to the MS of a single card medium provided with the IC chip to configure the charge / use integrated card. It is desirable to produce a use card and a charging card.

Alternatively, the charge / use card is a charge / use integrated card for recording the charge card information and the use card information on a single card medium, and the single card medium is a mixed card provided with an MS and an IC in one card medium. The server records the use card information to the MS through a card making apparatus 235, and writes the charge card information to the IC chip of the single card medium provided with the MS to configure the charge / use integrated card. It is desirable to make a use card and a charge card.

Alternatively, when the charge / use card is a charge / use integrated card for recording the charge card information and the use card information on a single card medium, and the single card medium is an IC card, the server may use the card making apparatus 235. It is preferable to produce the use card and charge card constituting the charge / use integrated card by recording the use card information in the use card area on the IC chip and recording the charge card information in the charge card area on the IC chip. Do.

According to another exemplary embodiment of the present invention, when the charge / use card is a charge / use integrated card for recording the charge card information and the use card information on a single card medium, the server uses the card making apparatus 235. It is preferable to produce the use card and charge card constituting the charge / use integrated card by recording the use card information and the charge card information including the same card number on an IC chip (or MS).

If the charge / use card is produced (320), the server stores the charge card information included in the charge / use card and the use card information in a storage medium 240, and the charging function of the charge card and Deactivate the use function of the use card, and set the charge amount information through the charge card to '0' to store in the storage medium 240 in association with the charge card information (325), the produced use card and charge card By providing the charge / use card pack information including the charge / use card pack in one card pack to the card delivery management server 245, the customer who applied for the charge / use card from one or more predetermined charge / use card stores (or merchants) The charge / use card pack is delivered to the customer (330), and then the charge / use card store (or merchant) sells the charge / use card pack to the charge / use card pack. Process to charge the charge amount for use of the use card through the included charge card.

4 is a diagram illustrating a configuration of a charge / use card charging system according to an exemplary embodiment of the present invention.

In more detail, FIG. 4 shows each charge / use card retailer using the charge card included in the charge / use card manufactured through the charge / use card manufacturing system shown in FIG. 2 and sold (or paid) to a customer ( Or to charge the charge amount through the charging terminal 135 provided in the merchant, and when charging the charge amount, the charge card charged with the charge amount, and the use card associated with the charge card is activated, the charge Regarding the charge / use card charging system for storing the amount information in the storage medium 470 in association with the charge card information, if the person of ordinary skill in the art to which the present invention pertains, refer to FIG. Alternatively, it may be possible to infer various implementation methods for the charge / use card charging system configuration, but the present invention includes all the implementation methods inferred. The technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 4, the charge / use card charging system may be charged through a charging terminal 135 provided at a charge / use card retailer (or an affiliated store) and the charge / use card manufacturing system shown in FIG. 2. Produce and use a card and deliver it to the recharge / use card retailer (or merchant), and use the recharge card included in the charge / use card sold (or paid) to the customer. Charge the charge amount through the charging terminal 135 provided in the, and when charging the charge amount, the charge card charged with the charge amount, the use card associated with the charge card is activated, and the charge amount information Charge / use card charging server 105 to be stored in the storage medium 470 in association with the charging card information and the charging terminal 135 and the charging / use card charging server 105 to relay the communication network Including the baensa server 120 is characterized in that formed.

In FIG. 4, the charge / use card charging server 105 is illustrated as one server for convenience, but this is one embodiment for efficiently describing the technical features of the charge / use card charging server 105 in the present invention. Only, it will be apparent that the charging / using card charging server 105 may be implemented in the form of a system consisting of a plurality of servers for each functional component according to the intention of the person skilled in the art and the method of implementing the charging / using card charging system.

In addition, in FIG. 4, the bansa server 120 is also illustrated as one server for convenience, but this is only an exemplary method for efficiently describing the technical features of the bansa server 120 in the present invention. According to the charging / use card charging system implementation method, the bansa server 120 may be clearly implemented as a system consisting of a plurality of servers for each functional component.

The charging terminal 135 is a CAT provided in the charge / use card store (or affiliated store) that sells (or pays) the charge / use card produced through the charge / use card production system shown in Figure 2 to the customer (Credit Authorization Terminal), or characterized in that it comprises at least one or more POS (Point Of Sales) terminal having a payment function.

According to an embodiment of the present invention, the charging terminal 135 includes at least one or more card readers for charging a charged amount, and reads card information from a charge card belonging to the charge / use card through the card reader, After inputting charging information (eg, charging amount) through a key input device, a communication network is generated by generating a charge / use card charging request message including the card information, the charging information, and the charging / use card retailer (or affiliated store) information. It is characterized in that the transmission to the bansa server 120 through.

The bansa server 120 may include a public switched telephone network (PSTN), an intelligent network, an xDSL-based wired network, a code division multiple access (CDMA) / wide-CDMA (WCDMA) -based mobile communication network, and high-speed HSDPA. Connecting a communication channel with a charging terminal 135 provided in the charging / using card retailer (or an affiliated store) through a public communication network including at least one of a downlink packet access) wireless network, an IEEE 802.16x-based portable internet, and the like, The charging terminal 135 and the charging / use card charging server by connecting a communication channel with the charging / use card charging server 105 through a dedicated communication network including at least one of an x.25 based communication network and an encryption / decryption based communication network. It is characterized by relay connection 105.

According to the embodiment of the present invention, the bansa server 120 receives the full charge / use card charge request encrypted with the bansa encryption key from the charging terminal 135, and the full charge / use card charge request bansa After decrypting with a decryption key, the card information included in the decrypted full charge / use card charge request message is read by a BIN (Bank Identification Number), and the charge / use card charge server to which the full charge / use card charge request message is transmitted 105 ), And charge / use card charge including the charge / use card charge request message (or card information included in the charge / use card charge request message and charge information and charge / use card retailer (or affiliated store) information). Request information) is encrypted with an encryption key that can be decrypted by the confirmed charge / use card charging server 105 and transmitted to the charge / use card charging server 105. It is preferable.

The charge / use card charging server 105 may produce the charge / use card through the charge / use card manufacturing system shown in FIG. 2 and sell the charge / use card to a customer through a charge / use card retailer (or an affiliate store). Payment), and checks the charge / use card including the charge card corresponding to the card information based on the card information included in the charge / use card charge request message received from the bansa server 120, and the confirmed The charge / use card is characterized in that for charging the charge amount.

According to the method of the present invention, the charge / use card charging server 105 is a full charge / use card charge request message (or the above) encrypted with the encryption key of the charge / use card charge server 105 from the bansa server 120. Full charge / use card charge request information including charge / use card charge request information including charge information and charge / use card retailer (or affiliated store) information) It is preferable to check the card information and charging information contained in the charge / use card retailer (or merchant) information.

Those skilled in the art to which the present invention pertains, the technical features of the charging terminal 135, the bansa server 120 and the charge / use card charging server 105 operating as described above to familiarize yourself with the technical features. Since it will be, more detailed description thereof will be omitted for convenience.

Referring to FIG. 4, the bansa server 120 is an interface for connecting and managing a communication channel with a charging terminal 135 provided in the charging / use card retailer (or an affiliated store) through a communication network (for example, a public communication network). The receiver 400 and the professional receiver 405 for receiving the charge / use card charge request message through the communication channel in association with the interface unit 400, and the charge / use card charge request message included in the An information check unit 415 for checking the charge / use card charge server 105 to relay the full charge / use card charge request (or charge / use card charge request information) by reading the card information; From the information transmission unit 420 for transmitting the full charge / use card charge request message (or charge / use card charge request information) to the charge / use card charge server 105 and the charge / use card charge server 105. Above charge / use Information receiving unit 425 for receiving charge / use card charge result information (or charge / use card charge result preamble) including charge details corresponding to the full charge request message, and the communication unit in association with the interface unit 400. Characterized in that it comprises a specialized transmission unit 410 for transmitting the full charge / use card charging results including the charge history to the charging terminal 135.

The interface unit 400 stores the charge / use card store through a communication protocol corresponding to a communication network connecting the bansa server 120 and the charging terminal 135 provided at the charge / use card store (or affiliated store). Or a charging terminal 135 provided at an affiliated store) and a communication channel for transmitting and receiving a charge-related professional message, and maintaining and managing the communication channel until the professional transmission and reception is completed.

In the charging terminal 135 to which the communication channel is connected, the card information is read from the charge / use card through a card reader, the charge information (for example, the charge amount) is input through a key input device, and then the card information and the charge are charged. When a charge / use card charge request message including information and the charge / use card retailer (or affiliated store) information is generated and transmitted through a communication network, the expert receiver 405 is connected to the interface unit 400 to charge the charge. Characterized in that the full charge / use card charge request from the terminal 135 is received.

If the full charge / use card charge request message is encrypted and transmitted from the charging terminal 135 through the Bansa encryption key, the full-text receiver 405 decrypts the encrypted charge / use card charge request message. It is preferable.

When the full charge / use card charge request message is received, the information checking unit 415 reads card information (eg, BIN of the charge card included in the charge / use card) included in the charge / use card charge request message. The charge / use card charge request message (or charge / use card charge request information) is characterized in that for checking the charge / use card charge server 105 to be relayed and transmitted.

When the charge / use card charge server 105 to which the full charge / use card charge request message (or charge / use card charge request information) is relayed and transmitted is confirmed by the information checker 415, the information transmitter 420 ) The charge / use card charge request message (or charge / use card charge request information) through the communication channel connected between the bansa server 120 and the charge / use card charge server 105. Characterized in that the transmission to the charging server 105.

Thereafter, the charge / use card charging server 105 performs a charge charging procedure through a charge card corresponding to the full charge / use card charge request message (or charge / use card charge request information), and establishes the communication channel. Sending the charge / use card charging result information (or full charge / use card charging results) including the charge history corresponding to the full charge / use card charge request (or charge / use card charge request information) through the information The receiver 425 may receive the charge / use card charge result information (or the full charge / use card charge result) from the charge / use card charge server 105 through the communication channel.

When the charge / use card charge result information (or full charge / use card charge result) is received from the charge / use card charge server 105, the specialized transmission unit 410 is connected to the interface unit 400. Characterized in that the full charge / use card charging results including the charge history through the communication channel to the charging terminal 135, wherein the interface unit 400 is the full charge / use card charging results It is preferable to further perform the process of verifying that the transmission to the charging terminal 135.

According to the present invention, the charge / use card charging server 105 stores the charge card information and use card information included in the charge / use card produced through the charge / use card manufacturing system shown in FIG. The storage medium 470 is stored in the medium 470, and the charge amount information through the charge card is provided with the storage medium 470 in conjunction with the charge card information, or in conjunction with a DBMS operating the storage medium 470, or It is preferable to link with a DB server (not shown) provided with a storage medium 470.

Here, the charge card information, the charge card number for the charge card included in the charge / use card produced through the charge / use card manufacturing system shown in Figure 2, the charge card expiration date, the charge attribute code (for example , One charging attribute, repetitive charging attribute, charging channel attribute corresponding to each charging method) and card usage / inactivity information.

The use card information includes a use card number, a use card expiration date, a CVC / CVV value and a use card for a use card included in a charge / use card produced through the charge / use card manufacturing system shown in FIG. It is preferable to include at least one attribute code (eg, payment attribute, financial transaction attribute) and charge card activation / deactivation information.

Preferably, the charge amount information includes an amount charged in the charge / use card through the charge card.

Referring to FIG. 4, the charge / use card charging server 105 may include a communication unit 430 for connecting and managing a communication channel with the bansa server 120 through a communication network (eg, a dedicated communication network), and the communication unit ( A receiving unit 435 for receiving the full charge / use card charge request message (or charge / use card charge request information) from the Bansa server 120 in conjunction with the 430, and the received charge / use card charge request message ( Or the card information included in the charge / use card charge request information), which is produced through the charge / use card manufacturing system shown in FIG. 2 and sold (or paid) to the customer. And a card information checking unit 445 for checking whether the card information is matched with the charging card information when the card information is matched with the charging card information included in the charging / using card. ( Or charge / use card charging means), a history generation unit 455 for generating a charge history including the charge / use card charge result, and charge / use card charge result information including the charge history (or charge / A generation unit 460 for generating a full use card charging result; and the generated charge / use card charging result information (or full charge / use card charging result) through the communication channel in connection with the communication unit 430. Characterized in that it comprises a transmission unit 440 for transmitting to the bansa server 120, after the charge processing, the charge / use card operating the charge / use card from the charge / use card retailer (or affiliated store) It is characterized in that it further comprises a reimbursement settlement unit 465 for settlement processing by the card issuer.

The communication unit 430 transmits and receives a charging-related full text message (or information) to and from the bansa server 120 through a communication protocol corresponding to a communication network connecting the charge / use card charging server 105 and the bansa server 120. It is characterized by connecting the communication channel.

When the bansa server 120 transmits the full charge / use card charge request message (or charge / use card charge request information) through the communication channel, the receiving unit 435 is linked with the communication unit 430 to provide card information. And charge / use card charge request message (or charge / use card charge request information) including at least one of charging information and charge / use card retailer (or affiliated store) information.

If the full charge / use card charge request message (or charge / use card charge request information) is encrypted and transmitted from the bansa server 120 through the encryption key of the card company server, the receiving unit 435 is encrypted. It is desirable to decrypt the full charge / use card charge request (or charge / use card charge request information).

When the full charge / use card charge request message (or charge / use card charge request information) is received, the card information checking unit 445 sends the full charge / use card charge request message (or charge / use card charge request information). Check the included card information, and the confirmed card information is generated through the charge / use card production system shown in FIG. 2 and the charge card information included in the charge / use card sold (or paid) to a customer; It is characterized by checking whether a match.

When the card information included in the full charge / use card charge request message (or charge / use card charge request information) is matched with the charge card information included in the charge / use card by the card information checker 445, The charging processor 450 activates the charging function of the confirmed charging card information and the use function of the use card associated with the charging card in association with the storage medium 470, and the charging card in the storage medium 470. The charge amount information included in the full charge / use card charge request message (or charge / use card charge request information) is added to the charge amount information stored in association with the information.

When the charge processing procedure for the charge amount through the charge card for the charge amount is completed by the charge processor 450, the history generator 455 is the charge / use card charge result charged by the charge processor 450 Characterized by generating a charge history comprising a.

When the charge details are generated, the generation unit 460 generates charge / use card charge result information (or full charge / use card charge result) including the charge history, and the transmission unit 440 ) Transmits the generated charge / use card charging result information (or full charge / use card charging result) to the bansa server 120 through the communication channel in connection with the communication unit 430.

In addition, when the charge for the charge amount is processed by the charge processor 450, the charge settlement unit 465 after the sale (or payment) of the charge / use card, the charge of the charge / use card Corresponding to the payment amount is settled from the charge / use card retailer (or merchant) to the card issuer operating the charge / use card (for example, from the account of the charge / use card retailer (or merchant)) And depositing it into an account of a card issuer operating the charge / use card.

In more detail, FIG. 5 is a charge / use card charging system shown in FIG. 4 based on a charge / use card manufactured and sold (or paid) to a customer through the charge / use card manufacturing system shown in FIG. When the charging terminal 135 generates a charge / use card charge request full message and transmits it to the bansa server 120, the bansa server 120 charge / use card charge request message (or charge / use card charge request information) ) Shows the process of relay transmission to the charge / use card charging server 105, and those skilled in the art to which the present invention pertains, refer to and / or modify this drawing 5 to perform the charging / Various implementation methods for the charge request process of the use card may be inferred, but the present invention includes all the implementation methods inferred, and only the implementation method shown in FIG. The technical features are not limited to.

Referring to FIG. 5, the charging terminal 135 on the offline charging / using card charging system shown in FIG. 4 reads card information from the charging / using card through a card reader, and charges information through a key input means. For example, enter the charge amount (500), the full charge / use card charge request including the input card information and charging information and the charge / use card store (or affiliated store) information stored in the charging terminal 135 Create 505.

Thereafter, the charging terminal 135 connects the communication channel for professional transmission and reception with the bansa server 120 through the communication network (eg, a public communication network) (510).

If the communication channel is connected (515), the charging terminal 135 transmits the full charge / use card charge request message to the bansa server 120 through the communication channel (520), and corresponding to the bansa The server 120 receives the full text of the charge / use card charge request transmitted from the charging terminal 135 through the communication channel (525).

According to an embodiment of the present invention, when the full charge / use card charge request is encrypted and transmitted from the charging terminal 135 through the Bansa encryption key, the Bansa server 120 uses the encrypted charge / use. It is desirable to decrypt the full card charge request.

Then, the bansa server 120 checks the card information included in the full charge / use card charge request (530).

According to the method of the present invention, the bansa server 120 may further check the charging information and the charge / use card retailer (or affiliated store) information included in the full charge / use card charge request, thereby the present invention This is not limited.

Thereafter, the bansa server 120 reads the checked card information and checks the charge / use card charging server 105 to relay the full charge / use card charge request message (535).

According to an embodiment of the present invention, the bansa server 120 reads the BIN of the card information included in the full charge / use card charge request message, and charges the charge / use card to which the charge / use card charge request message is relayed. It is desirable to check server 105.

If the charge / use card charging server 105 to transmit the full charge / use card charge request relay is confirmed (540), the bansa server 120 is charged to the confirmed charge / use card charging server 105 / Relays transmission of the usage card charge request message (or charge / use card charge request information including the card information included in the charge / use card charge request message and charge / use card retailer (or affiliated store) information); (545).

In more detail, when FIG. 6 receives the full charge / use card charge request message (or charge / use card charge request information) to the charge / use card charge server 105 through the charge request process shown in FIG. 5, The charging / use card charging server 105 is a process for charging a charge amount to be used through the use card of the charge / use card through the charge / use card charge request message (or charge / use card charge request information). However, one of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 6 to infer various implementation methods for the charge processing process of the charge / use card. It is made to include all the implementation methods inferred, the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 6, through the charging request process illustrated in FIG. 5, the charge / use card charging server 105 receives a full charge / use card charge request message (or charge / use card charge request information) (600). ).

According to an embodiment of the present invention, when the full charge / use card charge request message (or charge / use card charge request information) is encrypted and transmitted from the bansa server 120 through an encryption key of the card company server, the charge It is preferable that the / use card charge server 105 decrypts the encrypted charge / use card charge request message (or charge / use card charge request information).

Thereafter, the charge / use card charging server 105 may include card information, charge information, and charge / use card retailer (or merchant) information included in the full charge / use card charge request message (or charge / use card charge request information). In operation 605, the confirmed card information is matched with the charge card information included in the charge / use card that is produced through the charge / use card manufacturing system shown in FIG. 2 and sold (or paid) to a customer. Check if it is (610).

If the card information does not match the card information included in the charge / use card, which is produced through the charge / use card manufacturing system shown in FIG. 2 and sold (or paid) to the customer (615). ), The charge / use card charging server 105 generates charge / use card charging result information (or full charge / use card charging result) including charging error information and transmits it to the bansa server 120 (620). In response, the bansa server 120 transmits the full charge / use card charging result including the charging error information to the charging terminal 135 through a communication channel connected to the charging terminal 135 and outputs the full charge / use card charging result 135 ( 625).

On the other hand, if the card information is matched with the charge card information of the charge / use card produced through the charge / use card manufacturing system shown in FIG. 2 and sold (or paid) to the customer (615), the charge / use The usage card charging server 105 activates the charging function of the confirmed charging card information and the usage function of the usage card associated with the charging card in association with the storage medium 470, In operation 630, the charge amount information included in the full charge / use card charge request message (or charge / use card charge request information) is added to the charge amount information stored in association with the charge card information.

Thereafter, the charging / using card charging server 105 generates a charging history including the charging / using card charging result (635).

Thereafter, the charge / use card charging server 105 generates charge / use card charging result information (or full charge / use card charging result) including the charging history and transmits the generated / used card to the bansa server 120 (640). In response, the bansa server 120 transmits and outputs the full charge / use card charging result including the charge history to the charging terminal 135 through a communication channel connected with the charging terminal 135 (625). ).

In more detail, Figure 7 is made through the charging / using card manufacturing system shown in Figure 2 through the client terminal 130 using the charging card included in the charging / using card sold (or paid) to the customer Connect to the charge / use card charging server 105 in a non-face-to-face manner to charge the charged amount, and when charging the charged amount, activate the charge card and the use card associated with the charge card, Regarding the charge / use card charging system for storing the charge amount information in the storage medium 745 in association with the charge card information, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to FIG. Reference may be made to and / or modified to infer various implementation methods for the charge / use card charging system configuration, but the present invention is directed to all implementation methods inferred from the above. It is made, including, and the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 7, the charge / use card charging system may include a client terminal 130 used by a customer who has purchased (or received) a charge / use card produced through the charge / use card manufacturing system shown in FIG. 2. And, through the charge / use card production system shown in Figure 2 to produce the charge / use card to deliver to the customer who applied for the charge / use card retailer (or merchant) to the charge / use card, Allow the customer to charge the charge amount using the charge card included in the charge / use card through the client terminal 130, and when charging the charge amount, the charge card charged with the charge amount, and associated with the charge card A charge / use card charging server 105 for activating the used card and storing the charge amount information in the storage medium 745 in association with the charge card information. Characterized in that made.

In FIG. 7, the charge / use card charging server 105 is illustrated as one server for convenience, but this is one embodiment for efficiently describing the technical features of the charge / use card charging server 105 in the present invention. Only, it will be apparent that the charging / using card charging server 105 may be implemented in the form of a system consisting of a plurality of servers for each functional component according to the intention of the person skilled in the art and the method of implementing the charging / using card charging system.

The client terminal 130 uses a Transmission Control Protocol / Internet Protocol (TCP / IP) -based wired communication network (eg, an Asymmetric Digital Subscriber Line (ADSL) / Very High-data Rate Digital Subscriber Line (VDSL) or a cable communication network). It comprises at least one wired terminal including a desktop computer or laptop connected to the information registration server through a communication, or a mobile communication terminal connected to a CDMA (Code Division Multiple Access) based mobile communication network, or HSDPA (High Speed) At least one wireless communication terminal connected to a Downlink Packet Access) based wireless communication network, a portable Internet terminal connected to IEEE 802.16x based high speed wireless Internet, or a wireless LAN terminal connected to an IEEE 802.11x based wireless LAN network It consists of at least one wireless terminal, or the wired communication network or wireless communication network Characterized in that comprises a TV apparatus (not shown) including a two-way communication is possible IP-TV or digital TV or the DMB at least one via a communication network at least one slow.

According to the exemplary embodiment of the present invention, the client terminal 130 includes a charge / use card including card information and charge amount information corresponding to a charge card of the charge / use card from the charge / use card charge server 105. Receives and outputs at least one charging / using card charging interface for inputting (or selecting) charging request information, and charges card information corresponding to the charging card of the charging / using card through the charging / using card charging interface. A function configuration (eg, a browser program and a communication function) for inputting (or selecting) charging / using card charging request information including price information and transmitting the charging / using card charging request information to the charging / using card charging server 105 is provided. It is desirable to have.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the client terminal 130 including one or more of the wired terminal, the wireless terminal, or the TV device (not shown). Detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, when the client terminal 130 is a wired terminal, the communication network includes the TCP / IP based wired communication network, and when the client terminal 130 is a wireless terminal, the communication network The CDMA-based (or HSDPA-based) mobile communication network, or IEEE 802.16x-based high-speed wireless Internet, or IEEE 802.11x-based wireless communication network is preferably made of at least one or more.

The charge / use card charging server 105 generates the charge / use card to be sold (or paid) to the customer through the charge / use card manufacturing system shown in FIG. 2, and the client terminal 130. Check the charge / use card including the charge card corresponding to the card information based on the card information included in the charge / use card charge request information received from the device, and charge the charged amount to the checked charge / use card It is characterized by.

According to an embodiment of the present invention, the charge / use card charging server 105 receives charge / use card charge request information encrypted with an encryption key of the charge / use card charge server 105 from the client terminal 130. It is preferable to check the card information and the charging information included in the charge / use card charge request information by decoding.

As those skilled in the art to which the present invention pertains, the technical features of the client terminal 130 and the charge / use card charging server 105 operating as described above will be familiar with the technical features. More detailed description thereof will be omitted for convenience.

According to the present invention, the charge / use card charging server 105 stores the charge card information and use card information included in the charge / use card produced through the charge / use card manufacturing system shown in FIG. Stored in the medium 745 and provided with the storage medium 745 in connection with the charge card information in connection with the charge card information, or in conjunction with a DBMS operating the storage medium 745, or It is preferable to link with a DB server (not shown) provided with a storage medium 745.

According to an embodiment of the present invention, the charging / use card charging server 105 communicates with the client terminal 130 through the communication network to provide a web interface corresponding to the communication terminal with the client terminal 130. It characterized in that it comprises an interface unit 700 for connecting and managing, whereby the charge / use card charging server 105 is connected to the client terminal 130 and a wired communication network or a wireless communication network It has the function of a web server.

According to an exemplary embodiment of the present invention, when the client terminal 130 is a wired terminal to which a communication channel is connected through a TCP / IP-based wired communication network, the interface unit 700 may connect the client terminal 130 and HTTP ( Connects a communication channel based on a Hyper-Text Transfer Protocol protocol, and transmits a charge / use card charging interface in the form of a Hyper-Text Markup Language (HTML) compatible document to the client terminal 130 through the communication channel. And, it is preferable to perform a function of receiving and processing the charge / use card charge request information input (or selected) through the charge / use card charge interface from the client terminal (130).

According to another exemplary embodiment of the present invention, when the client terminal 130 is a wireless terminal to which a communication channel is connected through a CDMA based wireless communication network, the interface unit 700 is connected to the client terminal 130 and a WAP (Wireless). Connect a communication channel based on Application Protocol (ME) or Mobile Explorer (ME) protocol, and charge / use card in WML (Wireless Markup Language) or HTML compatible document form to the client terminal 130 through the communication channel. It is preferable to perform a function of transmitting and outputting an interface and receiving and processing charge / use card charge request information corresponding to the charge / use card charge interface from the client terminal 130.

According to another exemplary embodiment of the present invention, when the client terminal 130 is a wireless terminal to which a communication channel is connected through an IEEE 802.16x based wireless communication network, the interface unit 700 may be connected to the client terminal 130. A communication channel is connected based on a wireless protocol corresponding to the IEEE 802.16x standard, a charge / use card charging interface is transmitted to the client terminal 130 through the communication channel, and is outputted, from the client terminal 130. It is preferable to perform a function of receiving and processing charge / use card charge request information corresponding to the charge / use card charge interface, or the client terminal 130 is connected to a communication channel through an IEEE 802.11x based wireless communication network. In case of a wireless terminal, the interface unit 700 corresponds to the client terminal 130 and the IEEE 802.11x standard. Connect a communication channel based on a wireless protocol, transmit and output a charge / use card charging interface to the client terminal 130 through the communication channel, and transmit the output from the client terminal 130 to the charge / use card charging interface. It is preferable to perform a function of receiving and processing corresponding charge / use card charge request information.

Referring to FIG. 7, the charge / use card charge server 105 requests a charge / use card charge by connecting a client terminal 130 to the charge / use card charge server 105 through the interface unit 700. When the information registration request, in conjunction with the interface unit 700, the client terminal 130 inputs the charge / use card charge request information including card information and charge amount information corresponding to the charge card of the charge / use card (Or select) an interface providing unit 705 for generating (or extracting) a charging / using card charging interface and transmitting the charge / use card at the client terminal 130 in conjunction with the interface unit 700. And an information receiving unit 710 for receiving charging / using card charging request information transmitted by inputting (or selecting) through the using card charging interface. It shall be.

The interface providing unit 705 has a functional configuration (eg, provided in the client terminal 130 when the client terminal 130 is connected to the charging / using card charging server 105 through the interface unit 700). Charge / use that can input (or select) the charge / use card charge request information corresponding to the browser program provided in the client terminal 130 and transmit the charge / use card charge server 105 to the charge / use card charge server 105 through the communication network. A card charging interface is generated or extracted from a database (not shown), and the client terminal 130 generates the charge / use card charging interface generated (or extracted) in association with the interface unit 700 through the communication network. It is characterized in that to provide.

Thereafter, the client terminal 130 inputs charge / use card charge request information including card information and charge amount information corresponding to the charge card of the charge / use card based on the charge / use card charge interface (or If the charging / use card charge request information is input (or selected), the client terminal 130 receives the input (or selected) charge / use card charge request information through the communication network. The charge / use card is transferred to the charging server 105.

Those skilled in the art to which the present invention pertains, the charge card of the charge / use card through the at least one form (Form) included in the charge / use card charging interface in the client terminal 130 A technical feature of inputting (or selecting) charging / using card charging request information including card information and charging amount information corresponding to the above, and the charging / using card inputted (or selected) through a communication protocol provided by the communication network. Since you will be familiar with the technical features for transmitting the charge request information to the charge / use card charging server 105, a detailed description thereof will be omitted for convenience.

The information receiving unit 710 inputs (or selects) charging / using card charging request information from the client terminal 130 through the charging / using card charging interface, and transmits it through the communication network. It is characterized in that for receiving the charge / use card charge request information in conjunction with.

Referring to FIG. 7, the charge / use card charging server 105 may generate card information included in the received charge / use card charge request information through the charge / use card manufacturing system shown in FIG. 2. A card information checking unit 715 for checking whether the card information is included in the charge / use card sold (or paid) to the customer, and the card information matching the charge card information included in the charge / use card. When the charge amount is charged to the charge / use card 720 (or charge / use card charging means), and a history generating unit 725 for generating a charge history including the charge / use card charging results A generation unit 730 for generating charging / use card charging result information including the charging history, and the generated charging / use card charging result information through the communication channel in association with the communication unit; And an information transmitter 735 for transmitting to the client terminal 130. After the charging process, the settlement amount is settled by the card issuer operating the charge / use card. It is characterized by further comprising a portion 740.

When the charge / use card charge request information is received, the card information checking unit 715 checks the card information included in the charge / use card charge request information, and the checked card information is shown in FIG. Characterized by checking the card information included in the charge / use card produced by the charge / use card manufacturing system sold to (or paid) to the customer.

When the card information included in the charge / use card charge request information is matched with the charge card information included in the charge / use card by the card information checker 715, the charge processor 720 may determine the storage medium ( 745 to activate the charging function of the confirmed charging card information and the use function of the use card associated with the charging card, and charge the charging amount information stored in association with the charging card information on the storage medium 745. And charge amount information included in the use card charge request information.

When the charge charging procedure through the charge card for the charge amount is completed by the charge processor 720, the history generator 725 is the charge / use card charge result charged by the charge processor 720 Characterized by generating a charge history comprising a.

When the charge details are generated, the generation unit 730 generates charge / use card charging result information including the charge history, and the information transmitter 735 is connected to the communication unit to communicate with the communication unit. The generated charging / use card charging result information is transmitted to the client terminal 130 through a channel.

In addition, when the charge for the charge amount is processed by the charge processor 720, the charge settlement unit 740 after the sale (or payment) of the charge / use card, the charge of the charge / use card In response to the charge amount paid by the customer to the card issuer operating the charge / use card settlement processing (for example, depositing from the account of the customer to the card issuer of the card issuer operating the card) do.

8 is a view showing a charging process of the charge / use card according to another embodiment of the present invention.

In more detail, FIG. 8 is a charge / use card charging system shown in FIG. 7 based on a charge / use card manufactured and sold to (or paid to) a customer through the charge / use card manufacturing system shown in FIG. When the client terminal 130 generates charge / use card charge request information and transmits the charge / use card charging server 105 to the charge / use card charging server 105 in a non-face-to-face manner, the charge / use card charging server 105 charges / uses the card. Regarding the process of charging the charge amount to be used through the use card of the charge / use card through the card charge request information, those of ordinary skill in the art to which the present invention pertains, reference and / or modification of this figure 8 It will be possible to infer various implementation methods for the charge request process of the charge / use card, but the present invention includes all the implementation methods inferred The technical features are not limited only to the implementation method shown in FIG.

Hereinafter, in FIG. 8, the charge / use card charging server 105 on the charge / use card charging system shown in FIG. 7 is referred to as " server " for convenience, and the client on the charge / use card charging system shown in FIG. The terminal 130 is referred to as a "terminal" for convenience.

Referring to FIG. 8, the terminal on the charge / use card charging system shown in FIG. 7 connects to the server through the communication network and connects a communication channel for charging / use card charging (800).

According to the exemplary embodiment of the present invention, the communication channel connection process may further include at least one process of logging in to the server from the terminal, or registering to the server from the terminal. At [information registrant information] corresponding to the terminal is extracted (or obtained).

If the person skilled in the art to which the present invention pertains, the terminal connects to the server according to a communication protocol corresponding to the communication network through a browser program corresponding to the communication network to charge the charge / use card. Since you will be familiar with the technical features of connecting channels, a detailed description thereof will be omitted for convenience.

When the communication channel for charging / use card charging is connected between the terminal and the server as described above, the terminal requests the charge / use card charging interface for charging the charge / use card to the server through the communication channel; In response, the server may provide a user interface for inputting (or selecting) charge / use card charge request information including card information and charge amount information corresponding to a charge card of the charge / use card at the terminal. A charge / use card charging interface including a generated (or extracted) is generated (810) and the generated (or extracted) charge / used card charging interface is transmitted to the terminal through the communication channel (815).

Thereafter, the terminal charges the card information corresponding to the charge card of the charge / use card through the user interface included in the charge / use card charge interface for inputting (or selecting) the charge / use card charge request information. In operation 820, the charging / use card charging request information including the price information may be input (or selected).

If the charging / use card charging request information is input (or selected) in the terminal (825), the terminal transmits the card information and the charging amount corresponding to the charging card of the charging / use card to the server through the communication channel. The charging / use card charge request information including the information is transmitted, and the server receives the charge / use card charge request information corresponding thereto (z30).

When the charge / use card charge request information is encrypted and transmitted from the client terminal 130 through an encryption key of the card company server according to an exemplary embodiment of the present invention, the server receives the encrypted charge / use card charge request information. It is preferable to decrypt.

Thereafter, the server checks card information and charge information included in the charge / use card charge request information (835), and the confirmed card information is produced through the charge / use card manufacturing system shown in FIG. In operation 840, it matches with the charging card information included in the charging / use card sold (or paid) to the customer.

If the card information does not match the card information included in the charge / use card produced by the charge / use card manufacturing system shown in FIG. 2 and sold (or paid) to the customer (845) ), The server generates charging / use card charging result information including charging error information and transmits the charging / use card charging result information to the terminal (850), and correspondingly, the terminal charge / charge including the charging error information through the communication channel. In operation 855, the card charging result information is received and output.

On the other hand, if the card information is matched with the charge card information of the charge / use card produced through the charge / use card manufacturing system shown in FIG. 2 and sold (or paid) to the customer (845), the server Activate the charging function of the identified charging card information and the use function of the use card associated with the charging card in association with the storage medium 745, the charge amount stored in association with the charging card information in the storage medium 745 In operation 860, the charge amount information included in the charge / use card charge request information is added to the information.

Thereafter, the server generates a charging history including the charging / using card charging result (865).

Thereafter, the server generates charging / use card charging result information including the charging history and transmits the result to the terminal (870), and correspondingly, the terminal charge / use including the charging history through the communication channel. The card charging result information is received and output (855).

In more detail, FIG. 9 is manufactured through the charging / using card manufacturing system shown in FIG. 2 and sold (or paid) to a customer, and charged through the charging / using card charging system shown in FIG. 4 or 6. In the charge / use card filled with the amount, the charge / use card transaction system for registering the BIN information assigned to the use card of the charge / use card with the company used for payment / financial transactions, the present invention Those skilled in the art will be able to infer various implementation methods for the charge / use card transaction system configuration by referring to and / or modifying the drawing 9, but the present invention is intended to implement all the inferred embodiments. It is made, including the method, the technical features are not limited only to the implementation method shown in FIG.

For example, in FIG. 9, technical features of the specialized exchange protocol between the servers and the specialized structure conversion process according to the specialized exchange protocol are omitted for convenience, but the present invention basically includes the specialized structure conversion according to the specialized exchange protocol. Is to be made clear.

In addition, in FIG. 9, the transaction through the use card of the charge / use card will be described with reference to a payment approval request requested from an affiliated store terminal 125 provided at an affiliated store, but the present invention is not limited thereto. The transaction through the use card of the charge / use card is characterized in that it includes all of the financial transactions through CD / ATM, online payment through a web server such as an internet shopping mall, but the present invention provides the financial transactions through online. By describing the technical configuration of the charge / use card transactions for payment, it is possible to infer the system configuration for the financial transaction or online payment through the payment through the merchant terminal 125, the financial in this figure 9 A system configuration for transaction or online payment will be omitted.

Referring to FIG. 9, the charge / use card transaction system is manufactured through an affiliated store terminal 125 provided at an affiliated store and the charge / use card manufacturing system shown in FIG. 2 and sold (or paid) to a customer. In addition, the card issuing server 110 operating a charge / use card in which the charge amount is charged through the charge / use card charging system shown in FIG. 4 or FIG. 6 and the authorization request transmitted from the affiliated store terminal 125. It characterized in that it comprises a bansa server 120 for relaying the full text to the professional relay target.

In FIG. 9, the bansa server 120 is also illustrated as one server for convenience, but this is only an exemplary method for efficiently describing the technical features of the bansa server 120 in the present invention, and the intention and charge / According to the use card transaction system implementation method, the bansa server 120 may be embodied in the form of a system consisting of a plurality of servers for each functional component, or may be spherical in the form of an internal component of a server provided in the bansa. It is to be revealed.

In addition, although the card issuer server 110 is illustrated as one server in FIG. 9 for convenience, this is only one implementation method for efficiently describing the technical features of the card issuer server 110 in the present invention. According to the intention of the person skilled in the art and the method of implementing a charge / use card transaction system, the card issuer server 110 may be implemented in the form of a system consisting of a plurality of servers for each function component, or may be provided in the card issuing server. It is clear that it may be spherical in component form.

The affiliated store terminal 125 may include at least one CAT (Credit Authorization Terminal) or a POS (Point Of Sales) terminal equipped with a payment function for a payment transaction through a use card of the charge / use card. Characterized in that it comprises, it is preferable to further comprise a CD / ATM device for financial transactions according to the intention of those skilled in the art.

According to an embodiment of the present invention, the affiliated store terminal 125 includes at least one card reader for card payment processing, reads card information from a use card of the charge / use card through the card reader, and a key. After inputting transaction information (for example, transaction amount information, merchant information (or charging / use card use terminal information) through an input device), and generating an authorization request message including the card information, transaction information, and the merchant information. Characterized in that the transmission to the bansa server 120 through a communication network.

The bansa server 120 may include a public switched telephone network (PSTN), an intelligent network, an xDSL-based wired network, a code division multiple access (CDMA) / wide-CDMA (WCDMA) -based mobile communication network, and high-speed HSDPA. Downlink Packet Access) based wireless network, the IEEE 802.16x-based portable Internet and the like through a public communication network including at least one of the merchant terminal 125 provided in the affiliated store and the communication channel, x.25 based communication network, encryption / It is characterized in that the affiliated store terminal 125 and the specialized relay target server to connect the communication channel with one or more specialized relay target server through a dedicated communication network including at least one decryption-based communication network.

According to the embodiment of the present invention, when the card information included in the approval request message is a card issued by a domestic card company (or financial company), the bansa server 120 receives the approval request message received from the affiliated store terminal 125. It is preferable to relay transmission to the server provided in the domestic card company (or financial company).

According to the embodiment shown in FIG. 9, the bansa server 120 stores BIN information assigned to a use card of the charge / use card in a card company BIN D / B (not shown), whereby the bansa server The specialized relay target server of 120 is characterized in that it comprises a card issuer server 110 for operating the charge / use card.

According to the exemplary embodiment of the present invention, the bansa server 120 receives the approval request message encrypted with the bansa encryption key from the merchant terminal 125, decrypts the approval request message with the decryption key of the bansa, and decrypts the decryption. Read the Bank Identification Number (BIN) on the card information included in the approved authorization request message to check the specialized relay target server to which the authorization request message is transmitted, and decode the authorization result message on the confirmed specialized relay target server. It is preferable to encrypt with an encryption key that is present and to transmit to the specialized relay target server.

The card issuer server 110 is a server that processes the payment / financial transaction through the use card of the charge / use card in the card issuer that produces and sells (or pays) the charge / use card ( Or device), the card issuer is a card company (or financial company) that issues a conventional payment card, or preferably comprises a separate charge / use card issuer that operates the charge / use card.

When the card issuing server 110 is a server provided at a card company (or financial company) according to an embodiment of the present invention, the card issuing server 110 is provided in the full text of an authorization request received from the bansa server 120. If the included card information is recognized as a domestic card issued by the card company (or financial company), the transaction approval limit amount (for example, credit limit or linked account) for the domestic card as a card company (or financial company) for the domestic card. Balance), and processing the transaction for the transaction amount included in the transaction information through the transaction approval limit amount, and the card included in the full text of the authorization request received from the bansa server 120. When the information is a use card of the charge / use card, use card information corresponding to the card information included in the authorization request text and charge associated with the use card information Checks the charge card information of the use card and the charge amount information charged through the charge card, and processes the approval for the transaction amount included in the approval request text through the charge amount information charged through the charge card; It is characterized by.

According to the exemplary embodiment of the present invention, the card issuer server 110 receives the full text of the authentication result encrypted with the encryption key of the card issuing server 110 from the bansa server 120 and decrypts it to be included in the full text of the request for approval. It is desirable to check the card information, transaction information and merchant information.

According to an embodiment of the present invention, when the card information is a domestic credit card, the card issuer server 110 deals with a transaction approval limit amount (eg, credit limit amount) for the charge / use card for a predetermined period of time. Confirming the approved cumulative transaction approval amount, summing the confirmed cumulative transaction approval amount and the transaction amount included in the transaction information, and comparing the summed amount with the confirmed transaction approval limit amount; If the amount is greater than the summed amount, it is desirable to approve the transaction.

According to another embodiment of the present invention, when the card information is a domestic check card, the card issuer server 110 checks a transaction approval limit amount (for example, the balance of the linked account) for the charge / use card. By comparing the transaction approval limit amount with the transaction amount included in the transaction information, when the transaction approval limit amount is larger than the transaction amount, it is preferable to approve the transaction.

Those skilled in the art to which the present invention pertains, the technical features of the merchant terminal 125, the bansa server 120 and the card issuer server 110 operating as described above will be familiar with the technical features. Therefore, a more detailed description thereof will be omitted for convenience.

According to the present invention, the bansa server 120 is a card company BIN D / B for storing the BIN information for the domestic card issued by a domestic card company or financial company and the card company (or financial company) server information corresponding to the BIN information It is characterized by including (not shown).

Here, the BIN information for the domestic card is made of BIN information assigned to the use / use card of the charge / use card among the BIN information assigned to the card issuer, or include BIN information for the domestic card. desirable.

According to an embodiment of the present invention, the BIN information assigned to the use card of the charge / use card may be any one of a BIN that conforms to a BIN system of a domestic card-only BIN or a card brand company (for example, a visa card, a master card, etc.). It is preferable to comprise.

According to the embodiment shown in FIG. 9, the BIN information stored in the card company BIN D / B is produced and sold to the customer in addition to the BIN information corresponding to the card issued by the domestic issuer. Or BIN information corresponding to the used card of the charged / used card, wherein the bansa server 120 requests the authorization based on the BIN information stored in the card company BIN D / B. Among the card information included in the full text, it is preferable to recognize and confirm the use card of the charge / use card produced and sold (or paid) by the card issuer to the customer.

Here, the BIN information corresponding to the use card of the charge / use card is stored in the card company BIN D / B through an association between the card issuer and the bansa, and the BIN information corresponding to the use card of the charge / use card is In addition to the card company BIN D / B for storing the BIN information corresponding to the card issued by the domestic issuer may be stored in another database, thereby the present invention is not limited.

Preferably, the card company (or financial company) server information includes server information for identifying a specialized relay target server for relaying the authorization request message including the card information including the BIN information.

Referring to FIG. 9, the bansa server 120 may include an interface unit 900 for connecting and managing a communication channel with an affiliated store terminal 125 provided at the affiliated store through a communication network (eg, a public communication network), and the interface. The approval request message receiving unit 905 (or a professional receiving means) for receiving the approval request message through the communication channel in association with the unit 900 and the card information included in the received approval request message by reading the approval request. Special relay target confirmation unit (915) (or card verification means) for checking the special relay target server to transmit the full text, and the approval request professional transmission unit 920 for transmitting the approval request message to the identified professional relay target server (Or a professional relaying means), an approval result message receiving unit 925 for receiving an approval result message including a transaction history corresponding to the approval request message from the specialized relay target server, and an interface. In conjunction with seubu 900 to the authorization result professional containing the transaction history characterized in that obtained by having a specialized authorization result transmitting unit 910 to transmit to the merchant terminal 125 via a communication channel.

The interface unit 900 transmits and receives specialized transaction-related transmission and reception with the affiliated store terminal 125 provided in the affiliated store through a communication protocol corresponding to a communication network connecting the bansa server 120 and the affiliated store terminal 125 provided at the affiliated store. It is characterized in that for connecting the communication channel for, and maintaining and managing the communication channel until the specialized transmission and reception is completed.

The merchant terminal 125 to which the communication channel is connected reads card information from the charge / use card through a card reader, and transaction information (eg, transaction amount information, merchant information (or charge / use card use) through a key input device. After inputting the target terminal information), and generates an authorization request message including the card information, transaction information and the affiliated store information and transmits it through a communication network, the authorization request message receiving unit 905 is connected to the interface unit 900; It is characterized in that for receiving the authorization request message from the affiliated store terminal 125 in association.

If the approval request message is encrypted and transmitted from the affiliated store terminal 125 via the Bansa encryption key, the approval request message receiving unit 905 preferably decrypts the encrypted approval request message.

When the approval request message is received, the specialized relay target confirmation unit 915 reads the BIN of the card information included in the approval request message, and confirms the special relay target server to which the approval request message is to be relayed. do.

Here, when the card information included in the full text of the approval request is a domestic card, the specialized relay target server preferably includes a card company server or a financial company server that has issued a domestic card corresponding to the card information.

According to the implementation method shown in FIG. 9, the specialized relay target confirmation unit 915 reads BIN information of the use card of the charge / use card and transfers the card issuer server 110 to the specialized relay target server. It is desirable to confirm.

When the specialized relay target server to which the approval request message is to be relayed is confirmed by the specialized relay target confirmation unit 915, the approval request message transmission unit 920 is between the bansa server 120 and the specialized relay target server. The transmission of the approval request through the communication channel connected to the characterized in that the transmission to the specialized relay target server.

Thereafter, the expert relay target server performs a transaction approval procedure corresponding to the approval request message, and transmits the approval result message including a transaction history corresponding to the approval request message through the communication channel. Receiving unit 925 is characterized in that for receiving the full text of the approval result from the specialized relay target server through the communication channel.

When a transaction corresponding to the full text of the approval request is approved according to an exemplary embodiment of the present invention, the transaction details included in the full text of the approval result may include card information on the transaction approved recharge / use card, transaction approval date, and transaction approval. It is preferable to include at least one or more amounts, merchant information and transaction approval information.

According to another embodiment of the present invention, when a transaction corresponding to the approval request message is not approved, the transaction history included in the approval result message may include at least one card information and transaction error information for the charge / use card. It is preferable to comprise.

When the approval result message is received from the specialized relay target server, the approval result message transmission unit 910 is connected to the interface unit 900 and the approval result message including the transaction history through the communication channel to the affiliated store. Characterized in that the transmission to the terminal 125, the interface unit 900 is preferably carried out a process of further verifying that the transmission of the approval result is transmitted to the merchant terminal (125).

When the card issuing server 110 is a server provided to a card company (or financial company) according to an embodiment of the present invention, the card issuing server 110 is a payment card issued by the card issuer and the charge / A BIN information D / B 970 for storing BIN information on a use card of a use card and card attribute information for each BIN of the card in association with the BIN information D / B 970, or for operating the BIN information D / B 970. It is preferable to cooperate with a DBMS or with a DB server (not shown) provided with the BIN information D / B 970.

Here, the BIN information of the card issued by the card issuer includes the BIN information assigned to a payment card issued by the card issuer and a use card of the charge / use card among BIN information assigned to the card issuer. Or BIN information for domestic cards.

Preferably, the card attribute information for each BIN includes transaction attributes (e.g., credit transaction, linked account transaction) set for each BIN of a card issued by the card issuer, and the BIN information according to the transaction attribute. It is preferable that a transaction function (eg, credit card transaction function, check card transaction function, debit card transaction function) of a card including a is set.

According to the present invention, the card issuer server 110 processes the card information, the card attribute information, and the card limit information corresponding to the card information issued by the card issuer and the card issued to the customer. DB server provided with a card management D / B 980 for storing, or interworking with a DBMS operating the card management D / B 980, or provided with the card management D / B 980 (not shown). It is preferable to link with).

Here, the customer information, personal information (for example, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.) of the customer who issued the card, member information (for example, member ID) of the customer Information).

Preferably, the card information includes a card number corresponding to a card issued to the customer, and additionally, the card issuing organization information (eg, card issuing organization number (or code)) and card type information (eg, card). Preferably, the identification number (or code) and the expiration date information (some may be omitted) for the card are further included.

The card attribute information may include transaction attributes (eg, postpaid, debit, prepaid, etc.) for the card issued to the customer, a royalty attribute including a mileage accumulation policy for the card, and the card associated with the card. Preferably, at least one additional service attribute is included.

The card limit information is for confirming a transaction approval limit amount for processing a transaction approval for a transaction amount requested through the card according to the transaction attribute (eg, postpaid, debit, or prepaid) of the card. It is desirable to include information.

According to an exemplary embodiment of the present invention, when the card includes a postpaid transaction attribute (eg, credit card transaction attribute), the card limit information may include credit limit amount information for the card.

According to another exemplary embodiment of the present invention, when the card includes a debit transaction attribute (eg, a check card transaction attribute or a debit card transaction attribute), the card limit information includes account information associated with the card. It is preferable.

According to another exemplary embodiment of the present invention, when the card includes a prepaid transaction attribute (for example, a prepaid card transaction attribute), the card limit information may include information about a charge amount charged in the card. .

According to the invention, the card issuing server 110 has a transaction history D / B (975) for storing the transaction approved transaction history information, when the transaction is authorized through the card issued by the card issuer, Alternatively, it is preferable to interwork with a DBMS operating the transaction history D / B 975, or interwork with a DB server (not shown) provided with the transaction history D / B 975.

Herein, the transaction details information may include at least one or more card information about a transaction approved card, a transaction approval date, a transaction approval amount, merchant information, and transaction approval information.

The card information is information that matches card information provided in the card management D / B 980, and preferably includes a card number. The card information includes the card management D / B 980 through the card information. The transaction history D / B 975 is preferably linked in a relational manner.

The transaction approval date and time, it is preferable that the card issuer server 110 includes the date and time information of the transaction approval processing through the card.

The transaction approval amount is preferably made by the card issuer server 110 includes the transaction approved amount information through the card, the settlement to be settled to the merchant of the transaction approved amount in accordance with the intention of the skilled person It is preferable that the price information is further included.

The affiliated store information is information for identifying an affiliated store that has requested a transaction approval for the transaction amount through the card, and the affiliated store information is settled among the affiliated store information (or affiliated store code) included in the full approval request and the transaction approved amount. It is preferable to include the merchant account information to settle the amount.

Preferably, the transaction approval information includes a transaction approval number assigned by the card issuer server 110 when the transaction is approved through the card.

Referring to FIG. 9, the card issuer server 110 may include a communication unit 930 for connecting and managing a communication channel with the bansa server 120 through a communication network (for example, a dedicated communication network), and the communication unit 930. A payment unit 935 (or a specialized receiving unit) for receiving the full text of the approval request from the bansa server 120 and the card information included in the received full text of the approval request issued by the card issuer. A card information checking unit 945 (or card checking means) for checking whether the card is a card or a use card of the charge / use card, and when the card information is confirmed (or recognized) by a payment card issued by the card issuer A card transaction approval unit 950 for confirming a transaction approval limit amount corresponding to the card information and approving a transaction for a transaction amount included in the approval request message through the identified transaction approval limit amount;Generate a transaction history including a transaction approval result, generate a full text of the approval result including the transaction history, and in conjunction with the communication unit 930 to generate the full text of the approval result through the communication channel to the bansa server 120 And a transmission unit 940 (or a specialized transmission means) for transmitting the transaction, and when the transaction is approved by the card transaction approval unit 950, the transaction history information included in the transaction history is read. It is characterized in that the transaction history further comprises a transaction storage unit 953 to be stored in the D / B (975).

The communication unit 930 connects a communication channel for transceiving a professional transaction with the bansa server 120 through a communication protocol corresponding to a communication network connecting the card issuer server 110 and the bansa server 120. It features.

When the bansa server 120 transmits the approval request message through the communication channel, the receiving unit 935 is associated with the communication unit 930, the approval request including at least one card information, transaction information and merchant information. Characterized in receiving the full text.

If the approval request message is encrypted and transmitted from the bansa server 120 through the encryption key of the card company server, the receiving unit 935 preferably decrypts the encrypted approval request message.

When the authorization request message is received, the card information verification unit 945 confirms card information included in the authorization request message, reads BIN information included in the confirmed card information, and the card information is the card. It is characterized by checking whether the payment card issued by the issuer or the use card of the charge / use card.

If the card information is confirmed (or recognized) by the payment card issued by the card issuer, the card information checking unit 945 is a card whose card is reported lost or not available in the process of checking the card information. It is preferable to further include a step of checking whether the card satisfies (for example, credit failure, delinquency, etc.) or the card has expired.

If the card information is confirmed (or recognized) by the payment card issued by the card issuer, the card transaction approval unit 950 is provided in connection with the card information in the card management D / B (980) The transaction approval limit amount corresponding to the limit information is checked, and the transaction for the transaction amount included in the approval request is based on the identified transaction approval limit amount.

According to the implementation method of the present invention, the card transaction approval unit 950 first checks the transaction attribute corresponding to the card information in association with the card management D / B 980 (eg, Post-payment, debit, prepayment, etc.) is preferable.

According to an exemplary embodiment of the present invention, when the card includes a postpaid transaction attribute (eg, credit card transaction attribute), the card transaction approval unit 950 reads the credit limit amount information included in the card limit information. It is advisable to confirm the transaction authorization limit for the card.

According to another exemplary embodiment of the present invention, when the card includes a debit transaction attribute (eg, a check card transaction attribute or a debit card transaction attribute), the card transaction approval unit 950 is included in the card limit information. It is preferable to check the linked account information and check the balance information of the linked account in connection with a financial institution server (not shown) as the transaction approval limit amount for the card.

According to another exemplary embodiment of the present invention, when the card includes a prepaid transaction attribute (for example, a prepaid card transaction attribute), the card transaction approval unit 950 stores the charge amount information included in the card limit information. It is preferable to confirm with the transaction approval limit amount for the card.

When the transaction approval limit amount for the card is confirmed, the card transaction approval unit 950 grants a transaction approval or transaction for each transaction attribute on the transaction amount included in the approval request based on the confirmed transaction approval limit amount. It is characterized by checking whether there is an error.

According to an exemplary embodiment of the present invention, when the card includes a postpaid transaction attribute (for example, credit card transaction attribute), the card transaction approval unit 950 schedules in connection with the transaction history D / B 975. Confirm the cumulative transaction approval amount authorized for the transaction through the card, add the identified cumulative transaction approval amount and the transaction amount included in the transaction information, and add the sum and the confirmed transaction approval limit amount ( For example, it is preferable to confirm the approval of the transaction or a transaction error by comparing the credit limit amount).

For example, when the transaction approval limit amount (eg, the credit limit amount) is larger than the sum of the sums, the card transaction approval unit 950 preferably processes the transaction.

According to another exemplary embodiment of the present invention, when the card includes a debit transaction attribute (eg, a check card transaction attribute or a debit card transaction attribute), the card transaction approval unit 950 may execute the transaction approval limit amount (eg, , The balance of the linked account) and the transaction amount included in the transaction information to determine whether the transaction approval or transaction error for the transaction amount.

For example, when the transaction approval limit amount (eg, the balance of the linked account) is larger than the transaction amount, the card transaction approval unit 950 preferably processes the transaction.

According to another exemplary embodiment of the present invention, when the card includes a prepaid transaction attribute (eg, a prepaid card transaction attribute), the card transaction approval unit 950 may set the transaction approval limit amount (eg, a recharge amount). It is preferable to check a transaction approval or a transaction error for the transaction amount by comparing the transaction amount included in the transaction information.

For example, when the transaction approval limit amount (eg, the recharge amount) is larger than the transaction amount, the card transaction approval unit 950 preferably processes the transaction.

When the transaction approval procedure for the transaction amount is completed by the card transaction approval unit 950, the transmission unit 940 includes a transaction including a result of the transaction approval approved by the card transaction approval unit 950. Characterized by generating a history.

When the transaction is approved according to an embodiment of the present invention, the transaction details include at least one of card information, transaction approval date, transaction approval amount, merchant information and transaction approval information for the transaction approved card. It is preferable.

According to another exemplary embodiment of the present invention, when the transaction is not approved, the transaction details may include at least one of card information and transaction error information about the card.

When the transaction history is generated, the transmission unit 940 generates a full text of an approval result including the transaction history, and the transmission unit 940 establishes the communication channel in association with the communication unit 930. Characterized in that through the transmission of the full approval result is characterized in that for transmitting to the bansa server 120.

In addition, when a transaction for the transaction amount is approved by the card transaction approval unit 950, the transaction history storage unit 953 may include card information included in the transaction history generated by the transmission unit 940, and The transaction history information including at least one or more transaction approval date, transaction authorization amount, merchant information and transaction approval information may be stored in the transaction history D / B 975.

Referring to FIG. 9, when the card issuing server 110 is identified as a use card of the charge / use card included in the approval request message received through the receiving unit 935, the card issuer server 110 may be included in the approval request message. The card information including the BIN information assigned to the use card of the charge / use card among the BIN information assigned to the card issuer by reading card information, and the charge card of the charge / use card associated with the use card information. The information / receiving unit 955 (or information checking means) for confirming the charge amount information charged through the charge card and the charge / charge amount through the charge amount information charged through the charge card of the charge / use card It is provided with a transaction approval processing unit 960 (or transaction approval processing means) for processing transaction approval for the transaction amount (= transaction amount included in the authorization request text) using the usage card of the use card. The transmission unit 940 is characterized in that for transmitting the full text of the approval result including the transaction history corresponding to the transaction approval processing to the bansa server 120.

When the approval request message including the card information and transaction information corresponding to the use card of the charge / use card is received through the receiving unit 935, the information checking unit 955 is the card information included in the approval request message. It is characterized in that for checking the use card information including the BIN information assigned to the use card of the charge / use card of the BIN information assigned to the card issuer.

When the use card information of the charge / use card is confirmed, the information checking unit 955 checks the charge card information of the charge / use card associated with the use card information in association with the storage medium 985, and charges the Characterized in that the check the amount of charge information charged through the card.

According to the exemplary embodiment of the present invention, the information checking unit 955 preferably further includes checking whether the use card information and the charging card information are activated in association with the storage medium 985.

When the amount of charge information charged through the charge card associated with the use card of the charge / use card is confirmed through the information checking unit 955, the transaction approval processing unit 960 opens the charge card of the charge / use card. It is characterized in that the transaction approval for the transaction amount (= transaction amount included in the full approval request) using the use card of the charge / use card through the charge amount information charged through.

According to the implementation method of the present invention, the transaction approval processing unit 960 is a transaction amount (= transaction amount contained in the full authorization request) and the charge card of the charge / use card using the use card of the charge / use card Compare the charge amount charged through and, if the charge amount is greater than the transaction amount, approve the transaction through the use card of the charge / use card; on the contrary, if the charge amount is larger than the transaction amount, Error processing transactions through the use card of the charge / use card.

If a transaction is approved for a transaction amount (= transaction amount included in the full approval request) using the use card of the charge / use card through the charge amount information charged through the charge card of the charge / use card, the The transaction approval processing unit 960 may subtract the approved amount from the charged amount charged through the charge card in association with the storage medium 985.

The transaction amount using the charge / use card of the charge / use card through the charge amount information charged through the charge / use card of the charge / use card through the transaction approval processing unit 960 (= transaction amount included in the approval request text) When the transaction is processed, the transmission unit 940 generates a transaction history including any one of transaction approval information or transaction error information corresponding to the transaction approval process, and completes the approval result message including the transaction history. To generate and transmit to the bansa server 120 through the communication network, the bansa server 120 is characterized in that for transmitting the full text of the approval result to the merchant terminal (125).

Referring to FIG. 9, the card issuing server 110 transmits the approval result including the transaction approval information to the affiliated store terminal 125 through the bansa server 120 and then the transaction approval information. Based on the transaction history, including the purchase amount information for purchasing a document for the transaction amount approved through the payment card issued by the card issuer, or the transaction amount authorized through the use card of the charge / use card Transaction purchase information generation unit 963 to generate (or purchase purchase information generation means), the transaction amount approved through the payment card issued by the card issuer, or the transaction approved through the use card of the charge / use card It is characterized by further comprising a slip purchase processing unit 965 (or slip purchase processing means) for purchasing a slip for the amount of money.

After the full approval result including the transaction approval information is transmitted through the transmission unit 940 to the affiliated store terminal 125 through the bansa server 120, the ticket purchase information generation unit 963 performs the transaction. Purchase of a slip to purchase a document for the transaction amount authorized through the payment card issued by the card issuer or the transaction amount authorized through the use card of the recharge / use card based on the transaction history including the authorization information. It is characterized by generating information.

The voucher purchase processing unit 965 is a period of time after the transaction through the payment card issued by the card issuer, or the use card of the charge / use card is approved, or the card issuer from the bansa server 120 When a purchase amount of a document approved for the transaction amount authorized through the payment card issued by or the authorized transaction amount through the use card of the charge / use card is approved, the transaction amount authorized through the payment card issued by the card issuer Or purchase a slip for the authorized transaction amount through the use card of the charge / use card.

FIG. 10 is a diagram illustrating a transaction request process between an affiliated store terminal 125 and a bansa server 120 according to an exemplary embodiment of the present invention.

In more detail, in FIG. 10, when the full text of the authorization request is generated by the affiliated terminal 125 on the charge / use card transaction system illustrated in FIG. 9 and transmitted to the bansa server 120, the bansa server 120 receives the authorization. 10 shows a process of checking a specialized relay target server for a request message and relaying the approval request message to the specialized relay target server, and a person having ordinary knowledge in the technical field to which the present invention belongs, FIG. By referring to and / or modified to be able to infer various implementation methods for the transaction request process between the merchant terminal 125 and the bansa server 120, the present invention is made including all the implementation methods inferred, The technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 10, the merchant terminal 125 on the charge / use card transaction system illustrated in FIG. 9 reads card information from the customer card through a card reader, and transmits transaction information (eg, a transaction through a key input means). Input the amount information, merchant information (or charging / use card use target terminal information) (1000), and generates a full authorization request message including the input card information and transaction information and merchant information stored in the merchant terminal 125 (1005).

Here, the customer card is produced through the charge / use card manufacturing system shown in Figure 2 is sold (or paid) to the customer, the amount of charge through the charge / use card charging system shown in Figure 4 or 6 It is preferable to include the use card of the charged charge / use card.

Thereafter, the affiliated store terminal 125 connects a communication channel for professional transmission and reception with the bansa server 120 through the communication network (eg, a public communication network) (1010).

If the communication channel is connected (1015), the merchant terminal 125 transmits the full text of the approval request to the bansa server 120 through the communication channel (1020), and correspondingly the bansa server 120 Receives the approval request message transmitted from the affiliated store terminal 125 through the communication channel (1025).

According to an embodiment of the present invention, when the approval request is transmitted in encrypted form from the affiliated terminal 125 through the bansa encryption key, the bansa server 120 decrypts the encrypted approval request transcript. desirable.

Subsequently, the bansa server 120 reads card information included in the approval request text to confirm BIN information (1030), reads the checked BIN information, and transmits the specialized relay target server to relay the approval request text. Check (1035).

Here, when the card information included in the full text of the authorization request is a domestic card, the specialized relay target server preferably includes a card company server or a financial company server that has issued a domestic card corresponding to the card information.

According to the embodiment shown in FIG. 9, the bansa server 120 reads the BIN information of the use card of the charge / use card to check the card issuer server 110 as the specialized relay target server. desirable.

If the professional relay target server to relay the approval request message is confirmed (1040), the bansa server 120 relays the approval result message to the identified professional relay target server (1045).

11 is a diagram illustrating a transaction processing process of the card issuer server 110 according to an exemplary embodiment of the present invention.

In more detail, in Figure 11, through the transaction request process shown in FIG. 10, the card issuer server 110 on the charge / use card transaction system shown in FIG. In the case of relay transmission, the card issuer server 110 reads the BIN of the card information included in the approval request message, and the card information included in the approval request message is a payment card issued by the card issuer. Or check whether the card is used for the charge / use card, and if the card information is confirmed (or recognized) with a payment card issued by the card issuer, process the transaction approval for the full text of the authorization request; When it is confirmed (or recognized) as the use card of the use card, it shows a process to process the transaction approval through the use card of the charge / use card, the present invention Those skilled in the art will be able to infer various implementation methods for the transaction processing process of the card issuer server 110 by referring to and / or modifying the drawing 11, but the present invention It is made to include all the implementation methods inferred, the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 11, through the transaction request process shown in FIG. 10, the card issuer server 110 on the charge / use card transaction system shown in FIG. 9 is identified as a professional relay target server to relay the full approval request. In the case of transmission, the card issuer server 110 receives the full text of the approval request from the bansa server 120 (1100), reads the BIN of the card information included in the full text of the approval request, and corresponds to the card information. Check whether the card is a payment card issued by the card issuer (1105).

If the card corresponding to the card information is not a payment card issued by the card issuer (1110), the card issuer server 110 reads the BIN of the card information to determine whether the card information is a charge / use card. Check whether the card is used (1115).

If the card information is confirmed as the use card of the charge / use card (1120), the card issuer server 110 performs a transaction process through the use card of the charge / use card shown in FIG.

On the other hand, if it is confirmed (or recognized) as a payment card issued by the card issuer corresponding to the card information (1110), the card issuer server 110 is the card information, transaction information and The merchant information is checked (1135), and the card management D / B 980 checks the transaction approval limit amount for each transaction attribute corresponding to the card limit information provided in association with the card information (1140).

According to an embodiment of the present invention, when the card includes a postpaid transaction attribute (for example, credit card transaction attribute), the card issuer server 110 stores the credit limit amount information included in the card limit information. It is desirable to confirm with the transaction authorization limit amount on the card.

According to another exemplary embodiment of the present invention, when the card includes a debit transaction attribute (for example, a check card transaction attribute and a debit card transaction attribute), the card issuer server 110 is included in the card limit information. It is preferable to check the linked account information and check the balance information of the linked account in connection with a financial institution server (not shown) as the transaction approval limit amount for the card.

According to another exemplary embodiment of the present invention, when the card includes a prepaid transaction attribute (for example, a prepaid card transaction attribute), the card issuer server 110 stores the charge amount information included in the card limit information. It is preferable to confirm with the transaction approval limit amount for the card.

If the transaction approval limit amount for each transaction attribute of the card is confirmed (1145), the card issuer server 110 performs a transaction attribute for the transaction amount included in the approval request text based on the confirmed transaction approval limit amount. Processing the transaction approval for each star (1150).

According to an exemplary embodiment of the present invention, when the card includes a postpaid transaction attribute (for example, credit card transaction attribute), the card issuer server 110 may schedule a schedule in connection with the transaction history D / B 975. Confirm the cumulative transaction approval amount authorized for the transaction through the card, add the identified cumulative transaction approval amount and the transaction amount included in the transaction information, and add the sum and the confirmed transaction approval limit amount ( For example, it is preferable to confirm the approval of the transaction or a transaction error by comparing the credit limit amount).

For example, when the transaction approval limit amount (eg, credit limit amount) is greater than the sum of the sums, the card issuer server 110 preferably processes the transaction.

According to another exemplary embodiment of the present invention, when the card includes a debit transaction attribute (eg, a check card transaction attribute or a debit card transaction attribute), the card issuer server 110 may execute the transaction approval limit amount (eg, , The balance of the linked account) and the transaction amount included in the transaction information to determine whether the transaction approval or transaction error for the transaction amount.

For example, when the transaction approval limit amount (for example, the balance of the linked account) is greater than the transaction amount, the card issuer server 110 preferably processes the transaction.

According to another exemplary embodiment of the present invention, when the card includes a prepaid transaction attribute (eg, a prepaid card transaction attribute), the card issuer server 110 may set the transaction approval limit amount (eg, a recharge amount). It is preferable to check a transaction approval or a transaction error for the transaction amount by comparing the transaction amount included in the transaction information.

For example, when the transaction approval limit amount (eg, the recharge amount) is larger than the transaction amount, the card issuer server 110 preferably processes the transaction.

If the transaction approval process results in the transaction approval is not confirmed (1155), the card issuer server 110 generates a full text of the authorization result containing the transaction error information and transmits to the bansa server 120 In response thereto, the bansa server 120 transmits and outputs the full text of an approval result including the transaction error information to the affiliated store terminal 125 through a communication channel connected to the affiliated store terminal 125 (1165). ).

On the other hand, if the transaction approval processing result confirms the transaction approval for each transaction property (1155), the card issuer server 110 generates a transaction history including the transaction approval result (1170).

Here, the transaction details may include at least one or more of the card information, the transaction approval date and time, the transaction approval amount, the merchant information and the transaction approval information for the approved card.

Subsequently, the card issuer server 110 generates a full text of an approval result including the transaction history and transmits it to the bansa server 120 (1175). In response, the bansa server 120 is an affiliated store terminal 125. The entire transmission of the approval result including the transaction history is transmitted to the affiliated store terminal 125 through the communication channel connected to the mobile terminal (1165).

In addition, the card issuer server 110 may include the card information included in the generated transaction history, transaction history information including at least one transaction approval date, transaction authorization amount, merchant information, and transaction approval information. Save to / B (975) (1180).

In more detail, FIG. 12 shows the charging / using of the card issuer server 110 on the charge / use card transaction system shown in FIG. 9 through the transaction processing of the card issuer server 110 shown in FIG. When the authorization request message including the card information corresponding to the use card of the use card is received, the charge / use is based on the charge amount charged through the charge card of the charge / use card at the card issuer server 110. The process of processing the transaction approval for the transaction amount requested through the use card of the card, and those of ordinary skill in the art to which the present invention pertains, refer to and / or modify this drawing 12 to the charge / Various implementation methods for the transaction process through the use card of the use card may be inferred, but the present invention includes all the implementation methods inferred above. The technical features are not limited only to the implementation method shown on page 12.

Referring to Figure 12, through the transaction processing process of the card issuer server 110 shown in Figure 11 is produced through the charging / using card production system shown in Figure 2 is sold (or paid) to the customer, The full text of the request for approval including the card information corresponding to the use card of the charge / use card in which the charged amount is charged through the charge / use card charging system shown in FIG. 4 or 6 is shown in FIG. When received by the card issuer server 110 on the card transaction system, the card issuer server 110 includes card information corresponding to the use card of the charge / use card from the bansa server 120 through a communication network. Receives an authorization request message (1200), and reads the card information contained in the authorization request message to be assigned to the use card of the charge / use card of the BIN information assigned to the card issuer Use card information including the associated BIN information is checked (1205).

If the use card information including the BIN information associated with the allocation of the charge / use card to the use card of the BIN information assigned to the card issuer by reading the card information included in the authorization request full message is not confirmed ( 1210), the card issuer server 110 generates a full text of the authorization result including the transaction error information and transmits it to the bansa server 120 (1215), and the bansa server 120 is connected to the affiliated store terminal 125. The full text of the approval result is transmitted to the affiliated store terminal 125 through the connected communication channel (1230).

On the other hand, when the card information including the BIN information associated with the allocation of the card used in the charge / use card of the BIN information assigned to the card issuer by reading the card information included in the full authorization request is confirmed (1210) In operation 1235, the card issuer server 110 checks whether the use card of the charge / use card is activated in association with the storage medium 985.

If the use card of the charge / use card is not activated (1240), the card issuer server 110 generates a full text of an authorization result including transaction error information and transmits it to the bansa server 120 (1215). The bansa server 120 transmits the full text of the approval result to the affiliated store terminal 125 through a communication channel connected to the affiliated store terminal 125 and outputs the generated certificate (1230).

On the other hand, if the use card of the charge / use card is activated (1240), the card issuer server 110 is connected to the storage medium 985 and the charge card information and the charge card associated with the use card information Check the charge amount information charged through (1245).

If the charge card information associated with the use card information and the charge amount information charged through the charge card is not confirmed (1250), the card issuer server 110 generates a full text of an approval result including transaction error information. The bansa server 120 transmits to the bansa server 120 (1215), the bansa server 120 transmits the full text of the approval result to the affiliated store terminal 125 through the communication channel connected to the affiliated store terminal (125) (1230). .

On the other hand, when the charge card information associated with the use card information and the charge amount information charged through the charge card is confirmed (1250), the card issuer server 110 is charged through the charge card of the charge / use card The transaction approval for the transaction amount (= transaction amount included in the full authorization request) using the charge / use card using the charge amount information is processed (1255).

According to the implementation method of the present invention, the card issuer server 110 charges the transaction amount (= transaction amount included in the full authorization request) and the charge / use card using the use card of the charge / use card. Compare the charge amount charged through the card, and if the charge amount is greater than the transaction amount, approve the transaction through the use card of the charge / use card; on the contrary, if the charge amount is larger than the transaction amount It is desirable to error-process a transaction through a use card of the charge / use card.

If the transaction for the transaction amount is not approved through the use card of the charge / use card (1260), the card issuer server 110 generates a full text of an authorization result including transaction error information to the bansa server 120. In operation 1215, the bansa server 120 transmits the full text of an approval result to the affiliated store terminal 125 through a communication channel connected with the affiliated store terminal 125, and outputs the generated 1212.

On the other hand, if a transaction for the transaction amount is approved through the use card of the charge / use card (1260), the card issuer server 110 connects the charge card of the charge / use card with the storage medium 985. Subtract the transaction amount authorized through the use card of the charge / use card from the charged amount charged through 1265, and generate a full text of the approval result including transaction approval information corresponding to the transaction approval process, thereby generating the full text of the Bansa server. In operation 1270, the bansa server 120 transmits the full text of the approval result to the affiliated store terminal 125 through a communication channel connected with the affiliated store terminal 125, and outputs the generated certificate result at operation 1230.

In more detail, FIG. 13 illustrates a process of using a charge / use card of the charge / use card shown in FIG. 12 after a transaction through the use card of the charge / use card is processed, and then the charge / use card shown in FIG. The process of purchasing the slip for the use card transaction in the card issuer server 110 on the transaction system, and if the person skilled in the art to which the present invention pertains, refer to FIG. 13 and / or It will be possible to infer various implementation methods for the domestic card-type slip purchase process for the use card transaction of the charge / use card by modifying, but the present invention includes all the implementation methods inferred, as shown in Figure 13 The technical features are not limited only to the illustrated embodiment.

For example, in FIG. 13, the card issuer server 110 that processes the transaction process through the use card of the charge / use card shown in FIG. 12 performs a purchase purchase confirmation and request process. The present invention is not limited by the present invention, and it is possible to perform a check purchase request and request process on the bansa server 120 provided with the full approval result according to the intention of the person skilled in the art, and the present invention provides the bansa server 120 Is clearly included in the process of confirming and requesting the purchase of the document.

Referring to FIG. 13, after a transaction through a use card of a charge / use card is processed through a transaction process using a charge / use card shown in FIG. 12, the card issuer server 110 charges the charge. Check whether the purchase of the slip for the transaction approval through the use card of the use card is performed (1300).

According to the exemplary embodiment of the present invention, the card issuer server 110 checks for the transaction approval through the use card of the charge / use card when a predetermined period elapses after the transaction approval through the use card of the charge / use card. It is preferable to confirm by purchasing a slip.

According to the embodiment of the present invention, the card issuer server 110 checks whether the slip is inserted in place of the card issuer server 110 and then uses the card of the charge / use card to the card issuer server 110. It is also possible to request the purchase of a ticket for the transaction approval through the present invention, and the present invention may include a request to purchase a slip from the bansa server 120.

If the purchase of the slip for the transaction approval through the use card of the charge / use card is confirmed (1305), the card issuer server 110 performs a transaction process using the use card of the charge / use card shown in FIG. Based on the transaction history generated in step 1310, the purchase information on the purchase of a transaction through the use card of the charge / use card is generated.

Thereafter, the card issuer server 110 purchases a slip for the transaction approval through the use card of the charge / use card based on the slip purchase information according to a preset slip purchase procedure (1315).

Those skilled in the art to which the present invention pertains, because they will be familiar with the document purchase procedure, detailed description thereof will be omitted for convenience.

If the document corresponding to the transaction approval through the use card of the charge / use card is purchased in accordance with the affiliated document purchase procedure (1320), the card issuer server 110 for the use card of the charge / use card The result of the document purchase is stored (1325).

More specifically, Figure 14 is produced through the charging / using card manufacturing system shown in Figure 2 and sold (or paid) to the customer, and charged through the charging / using card charging system shown in Figure 4 or Figure 6 In the charge / use card filled with the amount, the charge / use card transaction system for registering the BIN information assigned to the use card of the charge / use card with the company used for payment / financial transactions, the present invention Those skilled in the art will be able to infer various implementation methods for the charge / use card transaction system configuration by referring to and / or modifying the drawing 14, but the present invention is directed to all implementations inferred from the above. It is made, including the method, the technical features are not limited only to the implementation method shown in FIG.

For example, in FIG. 14, technical features of the specialized exchange protocol between the servers and the specialized structure conversion process according to the specialized exchange protocol are omitted for convenience, but the present invention basically includes the specialized structure conversion according to the specialized exchange protocol. Is to be made clear.

In addition, in FIG. 14, the transaction through the use card of the charge / use card is illustrated mainly referring to the payment approval request requested from the affiliated store terminal 125 provided at the affiliated store, but the present invention is not limited thereto. The transaction through the use card of the charge / use card is characterized in that it includes all of the financial transactions through CD / ATM, online payment through a web server such as an internet shopping mall, but the present invention provides the financial transactions through online. By describing the technical configuration of the charge / use card transactions for payment, it is possible to infer the system configuration for the financial transaction or online payment through the payment through the merchant terminal 125, the financial in this figure 14 A system configuration for transaction or online payment will be omitted.

Referring to FIG. 14, the charge / use card transaction system is manufactured through an affiliated store terminal 125 provided at an affiliated store and the charge / use card manufacturing system shown in FIG. 2 and sold (or paid) to a customer. In addition, the card issuing server 110 operating a charge / use card in which the charge amount is charged through the charge / use card charging system illustrated in FIG. 4 or FIG. 6, and the authorization request transmitted from the affiliated store terminal 125. It characterized in that it comprises a bansa server 120 for relaying the full text to the professional relay target.

In FIG. 14, the bansa server 120 is also illustrated as one server for convenience, but this is only an exemplary method for efficiently describing the technical features of the bansa server 120 in the present invention, and the intention and charge / The bansa server 120 may be embodied in the form of a system consisting of a plurality of servers for each functional component, or may be spherical in the form of an internal component of the server provided in the bansa, depending on how the card transaction system is implemented. It is to be revealed.

In addition, in FIG. 14, the card issuer server 110 is illustrated as one server for convenience, but this is merely an implementation method for efficiently describing the technical features of the card issuer server 110 in the present invention. According to the intention of the person skilled in the art and the method of implementing a charge / use card transaction system, the card issuer server 110 may be implemented in the form of a system consisting of a plurality of servers for each function component, or may be provided inside the server provided in the card issuer. It is clear that it may be spherical in component form.

According to the embodiment shown in FIG. 14, the bansa server 120 stores BIN information assigned to a use card of the charge / use card in a card company BIN D / B (not shown), whereby the bansa server The specialized relay target server of 120 is characterized in that it comprises a card issuer server 110 for operating the charge / use card.

When the card issuer server 110 is a separate charge / use card issuer operating the charge / use card according to an embodiment of the present invention, the card issuer server 110 is provided from the bansa server 120. If the authorization request message including the usage card information including the BIN information assigned to the use card of the charge / use card is received from the BIN information assigned to the card issuer, the card information included in the authorization request message is received. Usage card information including BIN information assigned to the use card of the charge / use card among the BIN information assigned to the card issuer by reading, charge card information of the charge / use card associated with the use card information, Confirm the charge amount information charged through the charge card, and process the approval for the transaction amount included in the approval request text through the charge amount information charged through the charge card. Characterized in that.

According to the embodiment illustrated in FIG. 14, the BIN information stored in the card company BIN D / B is produced and sold to the customer in addition to the BIN information corresponding to the card issued by the domestic issuer. Or BIN information corresponding to the used card of the charged / used card, wherein the bansa server 120 requests the authorization based on the BIN information stored in the card company BIN D / B. Among the card information included in the full text, it is preferable to recognize and confirm the use card of the charge / use card produced and sold (or paid) by the card issuer to the customer.

Here, the BIN information corresponding to the use card of the charge / use card is stored in the card company BIN D / B through an association between the card issuer and the bansa, and the BIN information corresponding to the use card of the charge / use card is The card company BIN D / B for storing BIN information corresponding to a card issued by a domestic issuer may be stored in another database. Thus, the present invention is not limited thereto.

Referring to FIG. 14, the bansa server 120 may include an interface unit 1400 for connecting and managing a communication channel with an affiliated store terminal 125 provided at the affiliated store through a communication network (eg, a public communication network), and the interface. The approval request message receiving unit 1405 (or a specialized receiving means) for receiving the approval request message through the communication channel in association with the unit 1400, and the card information included in the received approval request message is read and the approval request is made. Special relay target confirmation unit (1415) (or card verification means) to check the special relay target server to relay the full text, and approval request professional transmission unit 1420 for transmitting the approval request message to the identified professional relay target server (Or a professional relaying means), and an approval result message receiving unit 1425 receiving an approval result message including a transaction history corresponding to the approval request message from the specialized relay target server. In connection with the interface unit 1400 is characterized in that it comprises a special approval result transmission unit 1410 for transmitting the full text of the approval result including the transaction details to the merchant terminal 125 through a communication channel.

The interface unit 1400 transmits and receives specialized transaction-related transmission and reception with an affiliated store terminal 125 provided at the affiliated store through a communication protocol corresponding to a communication network connecting the bansa server 120 and the affiliated store terminal 125 provided at the affiliated store. It is characterized in that for connecting the communication channel for, and maintaining and managing the communication channel until the specialized transmission and reception is completed.

The merchant terminal 125 to which the communication channel is connected reads card information from the charge / use card through a card reader, and transaction information (eg, transaction amount information, merchant information (or charge / use card use) through a key input device. Target terminal information), and after generating an authorization request message including the card information, the transaction information, and the affiliated store information and transmitting it through a communication network, the authorization request message receiving unit 1405 is connected to the interface unit 1400. It is characterized in that for receiving the authorization request message from the affiliated store terminal 125 in association.

If the approval request message is encrypted and transmitted from the affiliated store terminal 125 through the bansa encryption key, the approval request message receiving unit 1405 preferably decrypts the encrypted approval request message.

When the approval request message is received, the specialized relay target confirmation unit 1415 reads the BIN of the card information included in the approval request message, and confirms the specialized relay target server to which the approval request message is to be relayed. do.

According to the implementation method shown in FIG. 14, the specialized relay target confirmation unit 1415 reads the BIN information of the use card of the charge / use card to transfer the card issuer server 110 to the specialized relay target server. It is desirable to confirm.

When the specialized relay target server to which the approval request message is to be relayed is confirmed by the specialized relay target confirmation unit 1415, the approval request specialized transmission unit 1420 is between the bansa server 120 and the specialized relay target server. The transmission of the approval request through the communication channel connected to the characterized in that the transmission to the specialized relay target server.

Thereafter, the specialized relay target server performs a transaction approval procedure corresponding to the approval request message, and transmits the approval result message including the transaction history corresponding to the approval request message through the communication channel. The receiving unit 1425 receives the full text of the approval result from the specialized relay target server through the communication channel.

When the approval result message is received from the specialized relay target server, the approval result message transmission unit 1410 is connected to the interface unit 1400 and the approval result message including the transaction details through the communication channel to the affiliated store. Characterized in that the transmission to the terminal 125, the interface unit 1400 preferably performs the process of further verifying that the approval result is transmitted to the merchant terminal (125).

Referring to FIG. 14, the card issuer server 110 may include a communication unit 1430 for connecting and managing a communication channel with the bansa server 120 through a communication network (for example, a dedicated communication network), and the communication unit 1430. Transaction request professional receiving unit (1435) (or professional receiving means) for receiving the authorization request message containing the card information and transaction information corresponding to the use card of the charge / use card from the bansa server 120, and Usage card information including BIN information which is associated with the card information contained in the authorization request text is read and the BIN information assigned to the card issuer is allocated to the use card of the charge / use card, and the use card information. Information charging unit 1445 (or information checking means) for confirming the charge card information of the charge / use card associated with the charge amount, the charge amount information charged through the charge card, and the charge card of the charge / use card. The transaction approval processing unit 1450 (or transaction approval) that processes the transaction approval for the transaction amount (= transaction amount included in the authorization request text) using the charge / use card using the charged amount information. Processing means) and a transaction result message transmission unit 1440 (or specialized transmission means) which transmits a full text of an approval result including transaction details corresponding to the transaction approval process to the bansa server 120. It is done.

The communication unit 1430 may be configured to connect a communication channel for transceiving a professional transaction with the bansa server 120 through a communication protocol corresponding to a communication network connecting the card issuer server 110 and the bansa server 120. It features.

When the bansa server 120 transmits the approval request message through the communication channel, the transaction request message receiving unit 1435 receives card information corresponding to the use card of the charge / use card from the bansa server 120. Characterized in that for receiving the full approval request containing the transaction information.

If the approval request message is encrypted and transmitted from the bansa server 120 through the encryption key of the card company server, the receiving unit preferably decrypts the encrypted approval request message.

When the approval request message including the card information and transaction information corresponding to the use card of the charge / use card is received through the transaction request message receiving unit 1435, the information checking unit 1445 is included in the approval request message. Read the card information and confirm the use card information including the BIN information associated with the allocation of the use / use card of the charge / use card among the BIN information assigned to the card issuer.

When the use card information of the charge / use card is confirmed, the information checking unit 1445 checks the charge card information of the charge / use card associated with the use card information in association with the storage medium 1465, and charges the Characterized in that the check the amount of charge information charged through the card.

According to the exemplary embodiment of the present invention, the information checking unit 1445 may further include checking whether the use card information and the charging card information are activated in association with the storage medium 1465.

When the charge amount information charged through the charge card associated with the use card of the charge / use card is confirmed through the information checking unit 1445, the transaction approval processing unit 1450 determines the charge card of the charge / use card. It is characterized in that the transaction approval for the transaction amount (= transaction amount included in the full approval request) using the use card of the charge / use card through the charge amount information charged through.

According to the implementation method of the present invention, the transaction approval processing unit 1450 is a transaction amount (= transaction amount included in the full authorization request) and the charge card of the charge / use card using the use card of the charge / use card Compare the charge amount charged through and, if the charge amount is greater than the transaction amount, approve the transaction through the use card of the charge / use card; on the contrary, if the charge amount is larger than the transaction amount, Error processing transactions through the use card of the charge / use card.

If a transaction for the transaction amount (= transaction amount included in the authorization request text) using the use card of the charge / use card is approved through the charge amount information charged through the charge card of the charge / use card, The transaction approval processing unit 1450 may be configured to subtract the approved amount from the charge amount charged through the charge card in association with the storage medium 1465.

A transaction amount using the charge / use card of the charge / use card through the charge amount information charged through the charge card of the charge / use card through the transaction approval processor 1450 (= transaction amount included in the authorization request message) When a transaction is processed, the transaction result transmission unit 1440 generates a transaction history including any one of transaction approval information or transaction error information corresponding to the transaction approval process, and includes the transaction history. Characterized in that the full text of the approval result is transmitted to the bansa server 120 through the communication network, the bansa server 120 is characterized in that for transmitting the full text of the approval result to the affiliated store terminal (125).

Referring to FIG. 14, the card issuing server 110 transmits the full approval result including the transaction approval information to the affiliated store terminal 125 through the bansa server 120 and then the transaction approval information. Slip purchase information generation unit 1455 (or slip purchase information generation means) for generating a slip purchase information for purchasing a slip for the transaction amount approved through the use card of the charge / use card based on the transaction history ), And a slip purchase processing unit 1460 (or slip purchase processing means) for purchasing the slip for the transaction amount authorized through the use card of the charge / use card.

The full transaction result transmission unit 1440 receives the approval result message including the transaction approval information through the bansa server 120 to the affiliated store terminal 125, and then the purchase purchase information generation unit 1455. According to the transaction history including the transaction approval information, characterized in that the purchase information for purchasing the document for the purchase price of the transaction approved through the use card of the charge / use card.

The voucher purchase processing unit 1460 passes after a certain period of time after the transaction through the use card of the charge / use card is approved, or from the Bansa server 120 to the approved transaction amount through the use card of the charge / use card When the purchase of the slip is charged, the slip for the authorized transaction amount is purchased through the use card of the charge / use card.

FIG. 15 is a diagram illustrating a transaction request process between an affiliated store terminal 125 and a bansa server 120 according to another exemplary embodiment of the present invention.

In more detail, in FIG. 15, when the merchant terminal 125 on the charge / use card transaction system shown in FIG. 14 generates the full authorization request message and transmits it to the bansa server 120, the bansa server 120 receives the approval. Checking the full-text relay target server for the request message, and showing the process of relaying the transmission of the approval request message to the specialized relay target server, if the person having ordinary knowledge in the technical field to which the present invention belongs, 15 and / or modified to infer various implementation methods for the transaction request process between the merchant terminal 125 and the bansa server 120, but the present invention includes all the implementation methods inferred However, the technical features are not limited only to the implementation method illustrated in FIG. 15.

Referring to FIG. 15, the merchant terminal 125 on the charge / use card transaction system illustrated in FIG. 14 reads card information from the customer card through a card reader, and deals information (eg, a transaction) through a key input means. Input amount information, merchant information (or charging / use card use target terminal information) (1500), and generate the full text of the authorization request including the input card information and transaction information and merchant information stored in the merchant terminal 125 (1505).

Thereafter, the affiliated store terminal 125 connects a communication channel for professional transmission and reception with the bansa server 120 through the communication network (eg, a public communication network) (1510).

If the communication channel is connected (1515), the merchant terminal 125 transmits the full text of the approval request to the bansa server 120 through the communication channel (1520), and correspondingly the bansa server 120 Receives the approval request message transmitted from the affiliated store terminal 125 through the communication channel (1525).

Subsequently, the bansa server 120 reads card information included in the approval request text to confirm BIN information (1530), and reads the checked BIN information to relay a specialized relay target server to transmit the approval request text. Check (1535).

According to the embodiment shown in FIG. 14, the bansa server 120 reads the BIN information of the use card of the charge / use card to check the card issuer server 110 as the specialized relay target server. desirable.

If the specialized relay target server to relay the approval request message is confirmed (1540), the bansa server 120 relays the approval result message to the identified professional relay target server (1545).

16 is a diagram illustrating a transaction process through a use card of a charge / use card according to another embodiment of the present invention.

In more detail, FIG. 16 illustrates a card issuer server 110 on the charge / use card transaction system illustrated in FIG. 14 through a transaction request process between the affiliated store terminal 125 and the bansa server 120 illustrated in FIG. 15. When the full text of the approval request including the card information corresponding to the use card of the charge / use card is received, the card issuer server 110 based on the charge amount charged through the charge card of the charge / use card A process of processing a transaction approval for a transaction amount requested through a use card of the charge / use card, and a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 16. It will be possible to infer various implementation methods for the transaction process through the use card of the charge / use card, but the present invention includes all the implementation methods inferred It becomes, to which the characteristics are not limited technological group that only the exemplary method shown in the figure 16.

Referring to FIG. 16, a transaction is made between the merchant terminal 125 and the bansa server 120 shown in FIG. 15 through a charge / use card manufacturing system shown in FIG. 2 and sold to a customer (or The full text of the request for approval including card information corresponding to the use / use card of the charge / use card with which the charge is charged through the charge / use card charging system shown in FIG. 4 or FIG. 6 is shown in FIG. When the card issuer server 110 is received on the charged / used card transaction system, the card issuer server 110 corresponds to a card used for the charge / use card from the bansa server 120 through a communication network. Receive an authorization request message containing information (1600), and read the card information included in the authorization request message to the use card of the charge / use card of the BIN information assigned to the card issuer The card information including the BIN information associated with the assignment is checked (1605).

If the use card information including the BIN information associated with the allocation of the charge / use card to the use card of the BIN information assigned to the card issuer by reading the card information included in the authorization request full message is not confirmed ( 1610), the card issuer server 110 generates the full text of the authorization result including the transaction error information and transmits it to the bansa server 120 (1615), and the bansa server 120 is connected to the affiliated store terminal 125. The full text of the approval result is transmitted to the affiliated store terminal 125 through the connected communication channel (1630).

On the other hand, when the card information including the BIN information associated with the card information included in the approval request is read and the BIN information assigned to the card issuer is assigned to the use card of the charge / use card is confirmed (1610). In operation 1635, the card issuer server 110 checks whether the use card of the charge / use card is activated in association with the storage medium 1465.

If the use card of the charge / use card is not activated (1640), the card issuer server 110 generates a full text of an authorization result including transaction error information and transmits it to the bansa server 120 (1615). The bansa server 120 transmits the full text of the approval result to the affiliated store terminal 125 through a communication channel connected with the affiliated store terminal 125 and outputs the generated full text (1630).

On the other hand, if the use card of the charge / use card is activated (1640), the card issuing server 110 is connected to the storage medium 1465 and the charge card information and the charge card associated with the use card information Check the charge amount information charged through (1645).

If the charge card information associated with the use card information and the charge amount information charged through the charge card is not confirmed (1650), the card issuer server 110 completes the approval result including transaction error information. Generate and transmit to the bansa server 120 (1615), the bansa server 120 transmits the full text of the approval result to the affiliated store terminal 125 through the communication channel connected to the affiliated store terminal (125) (1630). ).

On the other hand, when the charge card information associated with the use card information and the charge amount information charged through the charge card is confirmed (1650), the card issuer server 110 is charged through the charge card of the charge / use card The transaction approval for the transaction amount (= transaction amount included in the full authorization request) using the use card of the charge / use card is processed through the charge amount information (1655).

If the transaction for the transaction amount is not approved through the use card of the charge / use card (1660), the card issuer server 110 generates a full text of an authorization result including transaction error information to the bansa server 120. In operation 1630, the bansa server 120 transmits the full text of the approval result to the affiliated store terminal 125 through a communication channel connected to the affiliated store terminal 125 and outputs the generated certificate result (1630).

On the other hand, if a transaction for the transaction amount is approved through the use card of the charge / use card (1660), the card issuer server 110 links the charge / use card of the charge / use card with the storage medium 1465. Subtract the transaction amount approved through the use card of the charge / use card from the charge amount charged through 1665, and generate a full text of an approval result including transaction approval information corresponding to the transaction approval process to generate the full text of the bansa server ( In operation 1670, the bansa server 120 transmits the full text of the approval result to the affiliated store terminal 125 through a communication channel connected with the affiliated store terminal 125 and outputs the generated certificate result (1630).

FIG. 17 is a diagram illustrating a domestic card-type slip purchase process for a use card transaction of a charge / use card according to an embodiment of the present invention.

In more detail, FIG. 17 shows that after the transaction through the use card of the charge / use card is processed through the transaction process using the charge / use card shown in FIG. 16, the charge / use card shown in FIG. The process of purchasing the slip for the use card transaction in the card issuer server 110 on the transaction system. If the person of ordinary skill in the art belongs to the present invention, refer to FIG. 17 and / or It will be possible to infer various implementation methods for the domestic card-type slip purchase process for the use card transaction of the charge / use card by modifying, but the present invention is made to include all the implementation methods inferred, as shown in Figure 17 The technical features are not limited only to the illustrated embodiment.

For example, in FIG. 17, the card issuer server 110 that processes the transaction process through the use card of the charge / use card shown in FIG. 16 performs a purchase purchase confirmation and request process. However, the present invention is not limited thereto, and according to the intention of those skilled in the art, it is possible to perform a check purchase and request process on the bansa server 120 provided with the full approval result, and the present invention provides the bansa server 120. It should be made clear that this includes the process of confirming and requesting the purchase of a document.

Referring to FIG. 17, after a transaction through a charge / use card of a use card of the charge / use card shown in FIG. 16 is processed, the card issuer server 110 charges the charge. Check whether the purchase of the document for the transaction approval through the use card of the use card is performed (1700).

According to the exemplary embodiment of the present invention, the card issuer server 110 checks for the transaction approval through the use card of the charge / use card when a predetermined period elapses after the transaction approval through the use card of the charge / use card. It is advisable to confirm the purchase of the documents.

If the purchase of the slip for the transaction approval through the use card of the charge / use card is confirmed (1705), the card issuer server 110 performs a transaction process through the use card of the charge / use card shown in FIG. Based on the transaction history generated in step S10, the purchase information about the purchase of the transaction through the use card of the charge / use card is generated.

Thereafter, the card issuer server 110 purchases a slip for the transaction approval through the use card of the charge / use card based on the slip purchase information according to a preset slip purchase procedure (1715).

If the document corresponding to the transaction approval through the use card of the charge / use card is purchased in accordance with the affiliated document purchase procedure (1720), the card issuer server 110 for the use card of the charge / use card The result of the document purchase is stored (1725).

18 is a diagram illustrating a configuration of a charge / use card charging system through a charging affiliate according to an embodiment of the present invention.

More specifically, FIG. 18 shows each charge / use card retailer using the charge card included in the charge / use card manufactured through the charge / use card manufacturing system shown in FIG. 2 and sold (or paid) to a customer. Or to charge the charge amount through the charging terminal 135 provided in the merchant, and when charging the charge amount, the charge card charged with the charge amount, and the use card associated with the charge card is activated, the charge Regarding the charging / use card charging system for storing the amount information in the storage medium 1875 in association with the charge card information, if the person of ordinary skill in the art to which the present invention pertains, see FIG. Or may be modified to infer various implementation methods for the charging / use card charging system configuration, but the present invention includes all implementation methods inferred from the above. The technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 18, the charge / use card charging system may be charged through a charging terminal 135 provided at a charge / use card retailer (or an affiliated store) and the charge / use card manufacturing system shown in FIG. 2. Produce and use credit cards to the recharge / use card retailer (or merchant), and use each recharge / use card retailer (or merchant) using the charge card included in the charge / use card sold (or paid) to the customer. Charge the charge amount through the charging terminal 135 provided in the, and when charging the charge amount, the charge card charged with the charge amount, the use card associated with the charge card is activated, and the charge amount information Relay connection between the charging affiliate server 115 and the charging terminal 135 and the charging affiliate server 115 associated with the card issuer to store in the storage medium 1875 in association with the charging card information. It characterized in that it comprises a bansa server 120 provided in the network.

In FIG. 18, the charging affiliate server 115 is illustrated as one server for convenience, but this is only an exemplary method for efficiently describing the technical features of the charging affiliate server 115 in the present invention. According to the charging / use card charging system implementation method, it is apparent that the charging affiliate server 115 may be implemented as a system consisting of a plurality of servers for each functional component.

In addition, although the bansa server 120 is also illustrated as one server in FIG. 18 for convenience, this is only an exemplary method for efficiently describing the technical features of the bansa server 120 in the present invention, According to the charging / use card charging system implementation method, the bansa server 120 may be clearly implemented as a system consisting of a plurality of servers for each functional component.

The bansa server 120 may include a public switched telephone network (PSTN), an intelligent network, an xDSL-based wired network, a code division multiple access (CDMA) / wide-CDMA (WCDMA) -based mobile communication network, and high-speed HSDPA. Connecting a communication channel with a charging terminal 135 provided in the charging / using card retailer (or an affiliated store) through a public communication network including at least one of a downlink packet access) wireless network, an IEEE 802.16x-based portable internet, and the like, Relay connection between the charging terminal 135 and the charging affiliate server 115 by connecting a communication channel with the charging affiliate server 115 through a dedicated communication network including at least one of an x.25 based communication network and an encryption / decryption based communication network. Characterized in that.

According to the embodiment of the present invention, the bansa server 120 receives the full charge / use card charge request encrypted with the bansa encryption key from the charging terminal 135, and the full charge / use card charge request bansa After decrypting with the decryption key, the card information included in the decrypted charge / use card charge request message is read, and a charge affiliate server 115 to which the charge / use card charge request message is transmitted is read. And charge / use card charge request information (or charge / use card charge request information including card information and charge information included in the charge / use card charge request message and charge / use card retailer (or affiliated store) information). It is preferable to encrypt the encrypted with the encryption key that can be decrypted by the confirmed charging affiliate server 115 and transmit to the charging affiliate server 115.

The charging affiliate server 115 produces the charge / use card through the charge / use card making system shown in FIG. 2 and sells (or pays) to the customer through a charge / use card store (or affiliated store). Checks the charge / use card including the charge card corresponding to the card information based on the card information included in the charge / use card charge request message received from the bansa server 120, and the checked charge / use Characterized in that the charge amount is charged to the card.

According to the embodiment of the present invention, the charging affiliate server 115 is a full charge / use card charge request (or the charge / use card charge request) encrypted from the bansa server 120 with the encryption key of the charging affiliate server 115 Card information included in the full charge / use card charge request message and received and decoded by receiving and decoding the card information and charge information included in the full text and charge / use card charge / use card retailer (or affiliated store) information) It is preferable to check the charging information and the charge / use card retailer (or affiliated store) information.

Those skilled in the art to which the present invention pertains, because they will be familiar with the technical features of the technical features of the charging terminal 135, the bansa server 120 and the charging affiliate server 115 that operates as described above. For the sake of brevity, a more detailed description thereof will be omitted.

Referring to FIG. 18, the bansa server 120 is an interface for connecting and managing a communication channel with a charging terminal 135 provided in the charging / use card retailer (or an affiliated store) through a communication network (for example, a public communication network). A specialized receiver 1805 for receiving a charge / use card charge request message through the communication channel in association with the unit 1800, the interface unit 1800, and the charge / use card charge request message included in the received charge / use card charge request message. An information checking unit 1815 for reading the card information and checking the charging affiliate server 115 for relaying the full charge / use card charging request message (or charging / use card charging request information); and the confirmed charging affiliate server ( An information transmitter 1820 for transmitting the full charge / use card charge request message (or charge / use card charge request information) to the full charge / use card charge request message from the charge affiliate server 115; An information receiving unit 1825 receiving charge / use card charging result information (or a full charge / use card charging result) including a corresponding charging history, and the charging history through a communication channel in association with the interface unit 1800. Characterized in that it comprises a specialized transmission unit 1810 for transmitting the full charge / use card charging results to the charging terminal 135.

The interface unit 1800 stores the charge / use card store through a communication protocol corresponding to a communication network connecting the bansa server 120 and the charging terminal 135 provided at the charge / use card store (or affiliated store). Or a charging terminal 135 provided at an affiliated store) and a communication channel for transmitting and receiving a charge-related professional message, and maintaining and managing the communication channel until the professional transmission and reception is completed.

In the charging terminal 135 to which the communication channel is connected, the card information is read from the charge / use card through a card reader, the charge information (for example, the charge amount) is input through a key input device, and then the card information and the charge are charged. When a charge / use card charge request message including information and the charge / use card retailer (or affiliated store) information is generated and transmitted through a communication network, the expert receiver 1805 is connected with the interface unit 1800 to charge the charge. Characterized in that the full charge / use card charge request from the terminal 135 is received.

If the full charge / use card charge request message is encrypted and transmitted by the charging terminal 135 through the Bansa encryption key, the full-text receiver 1805 decrypts the encrypted charge / use card charge request message. It is preferable.

When the charge / use card charge request message is received, the information checking unit 1815 reads card information (eg, BIN of the charge card included in the charge / use card) included in the charge / use card charge request message. The charging / use card charge request message (or charge / use card charge request information) is characterized in that it checks the charging affiliate server 115 to be relayed.

When the charging partner server 115 to which the full charge / use card charge request message (or charge / use card charge request information) is relayed and transmitted is confirmed by the information checker 1815, the information transmitter 1820 determines Transmitting the full charge / use card charge request message (or charge / use card charge request information) to the charge affiliate server 115 through a communication channel connected between the bansa server 120 and the charge affiliate server 115. It features.

Thereafter, the charging affiliate server 115 performs a charging procedure through a charging card corresponding to the full charge / use card charge request message (or charge / use card charge request information), and charges through the communication channel. Transmits the charge / use card charge result information (or charge / use card charge result) including the charge history corresponding to the full use card charge request message (or charge / use card charge request information), the information receiving unit 1825 ) Receives the charge / use card charging result information (or the full charge / use card charging result) from the charging affiliate server 115 through the communication channel.

When the charge / use card charge result information (or charge / use card charge result full text) is received from the charging affiliate server 115, the specialized transmission unit 1810 is connected to the interface unit 1800 to communicate with the communication channel. Characterized in that the full charge / use card charging result including the charge history is transmitted to the charging terminal 135, wherein the interface unit 1800 is the full charge / use card charging result is full charge It is preferable to perform the process of verifying that the transmission to the terminal 135.

According to the present invention, the charging affiliate server 115 connects the charge card information included in the charge / use card produced through the charge / use card manufacturing system shown in FIG. The storage medium 1875 in conjunction with the charge card information, or in conjunction with a DBMS operating the storage medium 1875, or the storage medium ( It is preferable to interwork with a DB server (not shown) provided with 1875.

Referring to FIG. 18, the charging affiliate server 115 may include a communication unit 1830 that connects and manages a communication channel with the bansa server 120 through a communication network (eg, a dedicated communication network), and the communication unit 1830. A receiver 1835 for receiving the full charge / use card charge request message (or charge / use card charge request information) from the bansa server 120 and the received charge / use card charge request message (or charge / Whether the card information included in the charge / use card information is matched with the charge card information included in the charge / use card produced through the charge / use card manufacturing system shown in FIG. 2 and sold (or paid) to a customer. When the card information check unit 1845 confirms and the card information matches the charge card information included in the charge / use card, the charge processing unit 1850 (or the charge processing unit 1850) charges the charge amount to the charge / use card (or Charge / use card charging means), a history generation unit 1855 for generating a charge history including the charge / use card charge result, and charge / use card charge result information (or charge / use) including the charge history A generation unit 1860 for generating a full card charge result; and the generated charge / use card charge result information (or full charge / use card charge result) through the communication channel in connection with the communication unit 1830. And a transmission unit 1840 for transmitting to the bansa server 120. After the charging process, the charge card of the charge / use card is transferred from a charge / use card retailer (or a merchant) to the charge amount. Charge settlement unit (1865) and the charge amount through the charge card of the charge / use card and the charge / use card of the charge / use card of the charge / use card to charge processing It is characterized in that it further comprises a recharge synchronization unit 1870 (or recharge synchronization means) for synchronizing to the card issuer server 110 to process the payment / financial transactions.

The communication unit 1830 is a communication channel for transmitting and receiving a charge-related full-text (or information) with the bansa server 120 through a communication protocol corresponding to the communication network connecting the charging partner server 115 and the bansa server 120 It is characterized by connecting.

When the bansa server 120 transmits the full charge / use card charge request message (or charge / use card charge request information) through the communication channel, the receiving unit 1835 is linked with the communication unit 1830 to receive card information. And charge / use card charge request message (or charge / use card charge request information) including at least one of charging information and charge / use card retailer (or affiliated store) information.

If the full charge / use card charge request message (or charge / use card charge request information) is encrypted and transmitted from the bansa server 120 through the encryption key of the card company server, the receiving unit 1835 is encrypted. It is desirable to decrypt the full charge / use card charge request (or charge / use card charge request information).

When the full charge / use card charge request message (or charge / use card charge request information) is received, the card information checking unit 1845 sends the full charge / use card charge request message (or charge / use card charge request information). Check the included card information, and the confirmed card information is generated through the charge / use card production system shown in FIG. 2 and the charge card information included in the charge / use card sold (or paid) to a customer; It is characterized by checking whether a match.

When the card information included in the full charge / use card charge request message (or charge / use card charge request information) is matched with the charge card information included in the charge / use card by the card information checking unit 1845, The charging processing unit 1850 activates the charging function of the confirmed charging card information and the use function of the use card associated with the charging card in association with the storage medium 1875, and the charging card in the storage medium 1875. The charge amount information included in the full charge / use card charge request message (or charge / use card charge request information) is added to the charge amount information stored in association with the information.

When the charge processing procedure through the charge card for the charge amount is completed by the charge processor 1850, the history generator 1855 is the charge / use card charging result charged by the charge processor 1850 Characterized by generating a charge history comprising a.

When the charge history is generated, the generation unit 1860 generates charge / use card charge result information (or full charge / use card charge result) including the charge history, and the transmission unit 1840 ) Transmits the generated charge / use card charge result information (or full charge / use card charge result) to the bansa server 120 through the communication channel in association with the communication unit 1830.

In addition, when the charge for the charge amount is processed by the charge processor 1850, the charge settlement unit 1865 after the sale (or payment) of the charge / use card, the charge of the charge / use card In response to the charge amount paid by the customer is settled from the charge / use card retailer (or merchant) to the charging partner who charges the charge through the charge card of the charge / use card (for example, the charge / use card store) (Or a deposit from the account of the merchant) into the account of the charging partner who charges the charge through the charge card of the charge / use card).

Charge amount is charged by the charge processing unit 1850 through the charge card of the charge / use card, or charge / use from the charge / use card retailer (or merchant) through the charge settlement unit 1865 When the charge amount charged through the charge card of the card is settled to the charging partner, the charge synchronization unit 1870 is to charge the charge amount through the charge card of the charge / use card through the use card of the charge / use card Characterized in that the synchronization to the card issuer server 110 to handle payment / financial transactions.

In addition, the payment synchronization unit 1870 through the charge / use card of the charge / use card through the charge amount charged through the charge / use card of the charge / use card in the card issuer server 110 When the transaction is processed, the charge amount used for the payment / financial transaction is synchronized and stored in the storage medium 1875.

19 is a diagram illustrating a charging request process of a charge / use card through a charging affiliate according to an embodiment of the present invention.

More specifically, FIG. 19 is a charge / use card charging system shown in FIG. 18 based on a charge / use card manufactured and sold to (or paid to) a customer through the charge / use card manufacturing system shown in FIG. When the charging terminal 135 generates a charge / use card charge request full message and transmits it to the bansa server 120, the bansa server 120 charge / use card charge request message (or charge / use card charge request information) ) Shows the process of relay transmission to the charging affiliate server 115, and those skilled in the art to which the present invention pertains, refer to and / or modify this drawing 19 of the charge / use card Various implementation methods for the charging request process may be inferred, but the present invention includes all the implementation methods inferred above, and only the implementation method shown in FIG. This technical feature is not limited.

Referring to FIG. 19, the charging terminal 135 on the offline charging / using card charging system shown in FIG. 18 reads card information from the charging / using card through a card reader, and charges information through a key input means. For example, a charge amount) is inputted (1900), and the full charge / use card charge request message including the input card information, charge information, and charge / use card retailer (or affiliated store) information stored in the charge terminal 135 is inputted. Create (1905).

Thereafter, the charging terminal 135 connects a communication channel for professional transmission and reception with the bansa server 120 through the communication network (eg, a public communication network) (1910).

If the communication channel is connected (1915), the charging terminal 135 transmits the full charge / use card charge request message to the bansa server 120 through the communication channel (1920), and correspondingly the bansa The server 120 receives the full text of the charge / use card charge request transmitted from the charging terminal 135 through the communication channel (1925).

Thereafter, the bansa server 120 checks card information included in the full charge / use card charge request message (1930).

Thereafter, the bansa server 120 reads the confirmed card information and checks the charging affiliate server 115 to relay the full charge / use card charging request message (1935).

According to an embodiment of the present invention, the bansa server 120 reads the BIN of the card information included in the full charge / use card charge request message, and the charge affiliate server 115 to which the charge / use card charge request message is relayed and transmitted. Is preferable.

If the charging affiliate server 115 to transmit the full charge / use card charge request relay is confirmed (1940), the bansa server 120 is the charge / use card charge request message to the confirmed charging partner server 115 (Or the card information included in the full charge / use card charge request message and charge / use card charge request information including charge / use card retailer (or affiliated store) information) may be relayed and transmitted (1945).

20 is a diagram illustrating a charging process of a charge / use card through a charging affiliate according to an embodiment of the present invention.

In more detail, FIG. 20 illustrates that when the full charge / use card charge request message (or charge / use card charge request information) is received by the charge affiliate server 115 through the charge request process shown in FIG. The present invention relates to a process of charging a charge amount to be used by a charge / use card using a charge / use card through a charge / use card charge request message (or charge / use card charge request information) in the server 115. Those skilled in the art may refer to and / or modify this drawing 20 to infer various implementation methods for the charge processing process of the charge / use card, but the present invention provides all the implementation methods inferred from the above. It is made, including, and the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 20, the charging affiliate server 115 receives the full charge / use card charge request (or charge / use card charge request information) through the charge request process illustrated in FIG. 19 (2000).

According to an embodiment of the present invention, when the full charge / use card charge request message (or charge / use card charge request information) is transmitted from the bansa server 120 through an encryption key of the card company server, the charging partner The server 115 preferably decrypts the encrypted charge / use card charge request message (or charge / use card charge request information).

Thereafter, the charging affiliate server 115 checks the card information, the charging information and the charging / use card retailer (or affiliated store) information included in the full charge / use card charge request message (or charge / use card charge request information). (2005) check whether the confirmed card information is matched with the charge card information included in the charge / use card that is produced through the charge / use card manufacturing system shown in FIG. 2 and sold (or paid) to a customer. (2010).

If the card information does not match the card information included in the charge / use card produced by the charge / use card manufacturing system shown in FIG. 2 and sold to (or paid to) the customer (2015) ), The charging affiliate server 115 generates charge / use card charging result information (or full charge / use card charging result) including charging error information and transmits the generated / used card to the bansa server 120 (2020). Correspondingly, the bansa server 120 transmits the full charge / use card charging result including the charging error information to the charging terminal 135 through the communication channel connected to the charging terminal 135 and outputs the full text (2025).

On the other hand, if the card information is matched with the charge card information of the charge / use card produced through the charge / use card manufacturing system shown in FIG. 2 and sold (or paid) to the customer (2015), the charging affiliate The server 115 activates the charging function of the identified charging card information and the use function of the use card associated with the charging card in association with the storage medium 1775, and the charging card information in the storage medium 1875. In operation 2030, the charge amount information included in the full charge / use card charge request message (or charge / use card charge request information) is added to the stored charge amount information associated with the stored charge amount information.

Thereafter, the charging affiliate server 115 generates a charging history including the charging / use card charging result (2035).

Thereafter, the charging affiliate server 115 generates charge / use card charging result information (or full charge / use card charging result) including the charging history and transmits the generated charge / use card charging result to the bansa server 120 (2040). Correspondingly, the bansa server 120 transmits the full text of the charging / use card charging result including the charging history to the charging terminal 135 through the communication channel connected to the charging terminal 135 and outputs the full text (2025).

FIG. 21 is a view illustrating a synchronization process of a charge amount between a charging affiliate and a card issuer according to an exemplary embodiment of the present invention.

More specifically, FIG. 21 shows that the charge amount is charged through the charge / use card of the charge / use card through the charge / use card through the charge affiliate shown in FIG. 20, or the charge / use card retailer ( Or, if the charge amount charged through the charge card of the charge / use card from the merchant is settled as a charging affiliate, the charge / affiliate card 115 shown in the charge / use card charging system shown in Figure 18 the charge / The present invention relates to a process of synchronizing a charge amount charged through a charge card of a use card to a card issuer server 110 that processes payment / financial transactions through the use card of the charge / use card. For those skilled in the art, the process of synchronizing the amount of charge between the charging partner and the card issuer by referring to and / or modifying the drawing 21 is described. Various implementation methods (e.g., implementation steps in which some steps are omitted or changed in order) may be inferred, but the present invention includes all the implementation methods inferred above, and only the implementation method shown in FIG. The technical features are not limited.

Referring to FIG. 21, the charge amount is charged through the charge card of the charge / use card through the charge / use card charging process through the charging affiliate shown in FIG. 20, or the charge / use card retailer (or Merchant), if the charge amount charged through the charge card of the charge / use card is settled as a charging partner, the charging affiliate server 115 in conjunction with the storage medium (1875) to charge the charge card of the charge / use card The charging target charge card information and the charge amount information is checked (2100).

According to the exemplary embodiment of the present invention, the synchronization target charge card information may include charge card information of all charge / use cards whose charge amount is changed through the charging affiliate server 115.

If the synchronization target charge card information and the charge amount information is confirmed (2105), the charging affiliate server 115 is the card issuer operating the charge / use card with the confirmed synchronization target charge card information and charge amount information The server 110 transmits the synchronization to the server 110 (2110).

According to an embodiment of the present invention, the synchronization target charge card information and the charge amount information transmitted to the card issuer server 110 may be configured to the card issuer server 110 including the same information configuration as that of the storage medium 1875. It is preferably stored in the provided storage medium (1875).

If the charge amount corresponding to the synchronization target charging card is synchronized to the card issuing server 110 (2115), the charging affiliate server 115 is linked to the card issuing server 110, the charge / use It is checked whether the amount of charge change through the use card of the card (2120).

According to an exemplary embodiment of the present invention, when the charge amount is changed through the use card of the charge / use card, the card issuer server 110 sends the changed charge amount information and the charge card information to the charge affiliate server 115. Preferably, the charging partner server 115 checks whether the charging amount is changed through the charging amount information and the charging card information transmitted from the card issuer server 110.

If it is confirmed that the charge amount change through the use card of the charge / use card (2125), the charge affiliate server 115 is the card issuer server 110 to change the charge card information and the charge amount information of the charge amount changed; In operation 2130, the charging amount synchronization process is repeated until all of the charge amount is exhausted through the charge card of the charge / use card.

22 is a diagram showing the configuration of the charge / use card charging system through a charging partner in accordance with another embodiment of the present invention.

In more detail, FIG. 22 is provided through the client terminal 130 using the charge card included in the charge / use card manufactured and sold to (or paid to) a customer through the charge / use card manufacturing system shown in FIG. Connect to the charging partner server 115 in a non-face-to-face manner to charge the charge amount, and when charging the charge amount, activate the charge card charged with the charge amount, and the use card associated with the charge card, Regarding the charge / use card charging system for storing charge amount information in the storage medium 2250 in association with the charge card information, those skilled in the art to which the present invention pertains, And / or may be modified to infer various implementation methods for the charge / use card charging system configuration, but the present invention encompasses all inferred implementation methods. In addition, the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 22, the charge / use card charging system may use a client terminal 130 used by a customer who has purchased (or received) a charge / use card produced through the charge / use card manufacturing system shown in FIG. 2. And, through the charge / use card production system shown in Figure 2 to produce the charge / use card to deliver to the customer who applied for the charge / use card retailer (or merchant) to the charge / use card, Allow the customer to charge the charge amount using the charge card included in the charge / use card through the client terminal 130, and when charging the charge amount, the charge card charged with the charge amount, and associated with the charge card A charging affiliate company affiliated with a card issuer to activate the used card and store the charge amount information in the storage medium 2250 in association with the charge card information. Characterized in that comprises at 115. The

Although the charging affiliate server 115 is illustrated as one server in FIG. 22 for convenience, this is merely an exemplary method for efficiently describing the technical features of the charging affiliate server 115 in the present invention, and is intended by those skilled in the art. And the charging affiliate server 115 may be embodied in a system form of a plurality of servers for each function component.

The client terminal 130 uses a Transmission Control Protocol / Internet Protocol (TCP / IP) -based wired communication network (eg, an Asymmetric Digital Subscriber Line (ADSL) / Very High-data Rate Digital Subscriber Line (VDSL) or a cable communication network). It comprises at least one wired terminal including a desktop computer or laptop connected to the information registration server through a communication, or a mobile communication terminal connected to a CDMA (Code Division Multiple Access) based mobile communication network, or HSDPA (High Speed) At least one wireless communication terminal connected to a Downlink Packet Access) based wireless communication network, a portable Internet terminal connected to IEEE 802.16x based high speed wireless Internet, or a wireless LAN terminal connected to an IEEE 802.11x based wireless LAN network At least one wireless terminal is included, or the wired or wireless communication network At least one TV device (not shown) including at least one IP-TV or digital TV or DMB capable of bidirectional communication through one communication network is characterized in that it comprises.

According to the exemplary embodiment of the present invention, the client terminal 130 charges / uses the card charging request information including the card information corresponding to the charge card of the charge / use card and the charge amount information from the charging affiliate server 115. Receives and outputs at least one charging / using card charging interface for inputting (or selecting) the card information and charge amount information corresponding to the charging card of the charging / using card through the charging / using card charging interface. A function configuration (for example, a browser program and a communication function) for inputting (or selecting) charging / use card charging request information to be transmitted to the charging affiliate server 115 through a communication network is preferably provided.

According to an embodiment of the present invention, when the client terminal 130 is a wired terminal, the communication network includes the TCP / IP based wired communication network, and when the client terminal 130 is a wireless terminal, the communication network The CDMA based (or HSDPA based) mobile communication network, or IEEE 802.16x-based high-speed wireless Internet, or IEEE 802.11x-based wireless LAN communication network comprises at least one or more.

The charging affiliate server 115 may be configured to sell (or pay) to the customer by producing the charge / use card through the charge / use card manufacturing system shown in FIG. 2 and received from the client terminal 130. Check the charge / use card including the charge card corresponding to the card information based on the card information included in the charge / use card charge request information, and charge the charged amount to the checked charge / use card; It is done.

According to an embodiment of the present invention, the charging affiliate server 115 receives and decrypts the charging / use card charging request information encrypted with the encryption key of the charging affiliate server 115 from the client terminal 130 to charge and use the charging / use card. It is preferable to check the card information and the charging information included in the card charge request information.

Those skilled in the art to which the present invention pertains, the technical features of the client terminal 130 and the charging affiliate server 115 operating as described above will be familiar with the technical features, more detailed description thereof Is omitted for convenience.

According to the present invention, the charging affiliate server 115 is connected to the charge card information and the use card information included in the charge / use card produced through the charge / use card production system shown in Figure 2 storage medium (2250) The storage medium 2250 or the DBMS operating the storage medium 2250 or the storage medium 2 in connection with the charge card information. It is preferable to link with a DB server (not shown) provided with 2250.

According to an embodiment of the present invention, the charging affiliate server 115 connects a communication channel with the client terminal 130 through the communication network to provide a web interface corresponding to the client terminal 130 and the communication network. Characterized in that it comprises an interface unit 2200 for managing, whereby the charging affiliate server 115 has a function of a web server that is connected to the communication through the client terminal 130 and a wired communication network or a wireless communication network. do.

According to an embodiment of the present invention, when the client terminal 130 is a wired terminal to which a communication channel is connected through a TCP / IP-based wired communication network, the interface unit 2200 may connect the client terminal 130 and HTTP ( Connects a communication channel based on a Hyper-Text Transfer Protocol protocol, and transmits a charge / use card charging interface in the form of a Hyper-Text Markup Language (HTML) compatible document to the client terminal 130 through the communication channel. And, it is preferable to perform a function of receiving and processing the charge / use card charge request information input (or selected) through the charge / use card charge interface from the client terminal (130).

According to another exemplary embodiment of the present invention, when the client terminal 130 is a wireless terminal to which a communication channel is connected through a CDMA based wireless communication network, the interface unit 2200 is connected to the client terminal 130 and a WAP (Wireless). Connect a communication channel based on Application Protocol (ME) or Mobile Explorer (ME) protocol, and charge / use card in WML (Wireless Markup Language) or HTML compatible document form to the client terminal 130 through the communication channel. It is preferable to perform a function of transmitting and outputting an interface and receiving and processing charge / use card charge request information corresponding to the charge / use card charge interface from the client terminal 130.

According to another exemplary embodiment of the present invention, when the client terminal 130 is a wireless terminal to which a communication channel is connected through an IEEE 802.16x based wireless communication network, the interface unit 2200 may be connected to the client terminal 130. A communication channel is connected based on a wireless protocol corresponding to the IEEE 802.16x standard, a charge / use card charging interface is transmitted to the client terminal 130 through the communication channel, and is outputted, from the client terminal 130. It is preferable to perform a function of receiving and processing charge / use card charge request information corresponding to the charge / use card charge interface, or the client terminal 130 is connected to a communication channel through an IEEE 802.11x based wireless communication network. In the case of a wireless terminal, the interface unit 2200 corresponds to the client terminal 130 and the IEEE 802.11x standard. Connect a communication channel based on a wireless protocol, transmit and output a charge / use card charging interface to the client terminal 130 through the communication channel, and transmit the output from the client terminal 130 to the charge / use card charging interface. It is preferable to perform a function of receiving and processing corresponding charge / use card charge request information.

Referring to FIG. 22, when the charging affiliate server 115 requests the client terminal 130 to register the charge / use card charging request information through the interface unit 2200, the charging affiliate server 115 accesses the charging affiliate server 115. The client terminal 130 interoperates with the interface unit 2200 to input (or select) charge / use card charge request information including card information and charge amount information corresponding to the charge card of the charge / use card. An interface providing unit 2205 for generating (or extracting) a charging / using card charging interface, and the client terminal 130 through the charging / using card charging interface in association with the interface unit 2200. And an information receiving unit 2210 for receiving charging / use card charging request information transmitted by inputting (or selecting).

The interface providing unit 2205 has a functional configuration (eg, client terminal (130) provided to the client terminal 130 when the client terminal 130 is connected to the charging affiliate server 115 through the interface unit 2200). A charging / using card charging interface capable of inputting (or selecting) charging / using card charging request information to a charging affiliate server 115 through the communication network in response to a browser program provided at 130); Or extracting from a database (not shown) and providing the generated / or used card charging interface in cooperation with the interface unit 2200 to the client terminal 130 through the communication network. .

Thereafter, the client terminal 130 inputs charge / use card charge request information including card information and charge amount information corresponding to the charge card of the charge / use card based on the charge / use card charge interface (or If the charging / use card charge request information is input (or selected), the client terminal 130 receives the input (or selected) charge / use card charge request information through the communication network. The charging affiliate server 115 transmits.

Those skilled in the art to which the present invention pertains, the charge card of the charge / use card through the at least one form (Form) included in the charge / use card charging interface in the client terminal 130 A technical feature of inputting (or selecting) charging / using card charging request information including card information and charging amount information corresponding to the above, and the charging / using card inputted (or selected) through a communication protocol provided by the communication network. Since you will be familiar with the technical features for transmitting the charging request information to the charging affiliate server 115, a detailed description thereof will be omitted for convenience.

The information receiver 2210 inputs (or selects) charge / use card charge request information from the client terminal 130 through the charge / use card charge interface, and transmits it through the communication network. It is characterized in that for receiving the charge / use card charge request information in conjunction with.

Referring to FIG. 22, the charging affiliate server 115 generates and sells card information included in the received charge / use card charge request information through a charge / use card manufacturing system shown in FIG. 2 to a customer. (Or paid) a card information checking unit 2215 that checks whether the card information included in the charge / use card is matched, and the card information matches the charge card information included in the charge / use card. A charge processor 2220 (or a charge / use card charging means) for charging a charge amount to the charge / use card, a history generation unit 2225 for generating charge details including the charge / use card charge result; A generation unit 2230 for generating charging / use card charging result information including the charging history, and the generated charging / use card charging result information through the communication channel in association with the communication unit; It is characterized in that it comprises a information transmission unit 2235 for transmitting to the client terminal 130, after the charging process, the charge amount to the charging partner to charge the charge through the charge card of the charge / use card Charge settlement unit 2240 for the settlement processing and the card issuer server 110 to process the payment / financial transactions through the charge / use card charge card of the charge / use card It is characterized in that it further comprises a charge synchronization unit 2245 (or a charge synchronization means) for synchronizing with.

When the charge / use card charge request information is received, the card information checking unit 2215 checks the card information included in the charge / use card charge request information, and the card information identified above is shown in FIG. It is characterized in that it is made through the charge / use card production system that is matched with the charge card information contained in the charge / use card sold (or paid) to the customer.

When the card information included in the charge / use card charge request information is matched with the charge card information included in the charge / use card by the card information checker 2215, the charge processor 2220 may store the storage medium ( 2250 to activate the charging function of the confirmed charging card information and the use function of the use card associated with the charging card, and charge the charge amount information stored in association with the charging card information in the storage medium 2250 And charge amount information included in the use card charge request information.

When the charge processing procedure through the charge card for the charge amount is completed by the charge processor 2220, the history generator 2225 is the charge / use card charging result charged by the charge processor 2220 Characterized by generating a charge history comprising a.

When the charging history is generated, the generation unit 2230 generates charging / use card charging result information including the charging history, and the information transmitting unit 2235 is connected to the communication unit to communicate with the communication unit. The generated charging / use card charging result information is transmitted to the client terminal 130 through a channel.

In addition, when the charge for the charge amount is processed by the charge processor 2220, the charge settlement unit 2240 after the sale (or payment) of the charge / use card, the charge of the charge / use card In response to the charge amount paid by the customer to the charging partner to charge the charge through the charge card of the charge / use card (for example, the charge from the customer's account through the charge card of the charge / use card To be charged to the account of the charging affiliates to charge).

When the charging amount is charged by the charging processing unit 2220 through the charging card of the charge / use card or when the charging amount paid by the customer through the charging settlement unit 2240 is settled to the charging affiliate, Charge synchronization unit 2245 is to synchronize the charge amount through the charge card of the charge / use card to the card issuer server 110 to handle payment / financial transactions through the use card of the charge / use card It features.

In addition, the payment synchronization unit 2245 is a payment / finance through the use card of the charge / use card through the charge amount charged through the charge card of the charge / use card in the card issuer server 110 When the transaction is processed, it is characterized in that the charge amount used in the payment / financial transaction is synchronized and stored in the storage medium (2250).

FIG. 23 is a diagram illustrating a charging process of a charging / using card through a charging affiliate according to another exemplary embodiment of the present invention.

More specifically, FIG. 23 is based on the charge / use card manufacturing system shown in FIG. 2 based on the charge / use card manufactured and sold (or paid) to a customer. When the client terminal 130 generates charge / use card charging request information and transmits the charging / use card charging request information to the charging affiliate server 115 in a non-face-to-face manner, the charging affiliate server 115 uses the charging / use card charging request information. Regarding a process of charging a charge amount to be used through a use card of a charge / use card, those of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 23 to use the charge / use card. It will be possible to infer various implementation methods for the charging request process of, but the present invention comprises all the implementation methods inferred, Only the exemplary method shown in 23 is not limited its technical characteristics.

Hereinafter, in FIG. 23, the charging affiliate server 115 on the charge / use card charging system shown in FIG. 22 is referred to as a “server” for convenience, and the client terminal 130 on the charge / use card charging system shown in FIG. 22 is described below. ) Is called a "terminal" for convenience.

Referring to FIG. 23, the terminal on the charge / use card charging system shown in FIG. 22 accesses the server through the communication network and connects a communication channel for charging / use card charging (2300).

When the communication channel for charging / use card charging is connected between the terminal and the server as described above, the terminal requests the charge / use card charging interface for charging the charge / use card to the server through the communication channel; 2305), and correspondingly, the server inputs (or selects) the charge / use card charge request information including card information and charge amount information corresponding to the charge card of the charge / use card at the terminal. Generate (or extract) a charge / use card charging interface including 2310 and transmit the generated (or extract) charge / use card charging interface to the terminal through the communication channel (2315).

Thereafter, the terminal charges the card information corresponding to the charge card of the charge / use card through the user interface included in the charge / use card charge interface for inputting (or selecting) the charge / use card charge request information. In operation 2320, the card is charged (or selected) to charge / use card charge request information including the price information.

If the charge / use card charge request information is input (or selected) in the terminal (2325), the terminal transmits the card information and the charge amount corresponding to the charge card of the charge / use card to the server through the communication channel. The charging / use card charge request information including the information is transmitted, and the server receives the charge / use card charge request information corresponding thereto (z30).

Thereafter, the server checks the card information and the charging information included in the charge / use card charge request information (2335), and the confirmed card information is produced through the charge / use card manufacturing system shown in FIG. In operation 2340, it matches with the charge card information included in the charge / use card sold (or paid) to the customer.

If the card information does not match the card information contained in the charge / use card, which is produced through the charge / use card manufacturing system shown in FIG. 2 and sold (or paid) to the customer (2345). ), The server generates charging / use card charging result information including charging error information and transmits the charging / used card charging result information to the terminal (2350), and correspondingly, the terminal charge / charge including the charging error information through the communication channel. Received and used card charging result information is output (2355).

On the other hand, if the card information is matched with the charge card information of the charge / use card produced through the charge / use card manufacturing system shown in FIG. 2 and sold (or paid) to the customer (2345), the server Activate the charging function of the identified charging card information and the use function of the use card associated with the charging card in association with the storage medium 2250, and the charge amount stored in association with the charging card information in the storage medium 2250 The charge amount information included in the charge / use card charge request information is added to the information and stored (2360).

Thereafter, the server generates a charge history including the charge / use card charge result (2365).

Thereafter, the server generates charging / use card charging result information including the charging history and transmits the result to the terminal (2370), and correspondingly, the terminal charge / use including the charging history through the communication channel. The card charging result information is received and output (2355).

More specifically, FIG. 24 shows that the charge amount is charged through the charge card of the charge / use card, or the charge paid by the customer through the charge / use card charge processing process through the charge affiliate shown in FIG. 20. When the charge partner is settled, the charge partner card 115 shown in the charge / use card charging system shown in FIG. 18 transfers the charge amount charged through the charge card of the charge / use card to the charge / use card. Regarding the process of synchronizing to the card issuer server 110 that processes payment / financial transactions through a use card, those skilled in the art to which the present invention pertains may refer to and / or see FIG. 24. Various implementation methods (e.g., some steps may be omitted or the order may be changed) for the process of synchronizing the charge amount between the charging affiliate and the card issuer Act) can be inferred, but the present invention includes all the inferred implementation methods, and the technical features are not limited to the implementation method shown in FIG.

Referring to FIG. 24, the charge amount is charged through the charge card of the charge / use card through the charge / use card charging process through the charging affiliate shown in FIG. 20, or the charge amount paid by the customer is When settled as a charging affiliate, the charging affiliate server 115 checks the synchronization target charging card information and the charging amount information in which the charging amount is charged through the charging card of the charging / use card in association with the storage medium 2250. (2400).

If the synchronization target charge card information and the charge amount information is confirmed (2405), the charging affiliate server 115 is the card issuer operating the charge / use card with the confirmed synchronization target charge card information and charge amount information The server 110 transmits the synchronization to the server 110 (2410).

According to an embodiment of the present invention, the synchronization target charge card information and the charge amount information transmitted to the card issuer server 110 may include the same information configuration as that of the storage medium 2250 to the card issuer server 110. It is preferably stored in the storage medium 2250 provided.

If the charge amount corresponding to the synchronization target charging card is synchronized to the card issuing server 110 (2415), the charging affiliate server 115 is connected to the card issuing server 110 and the charge / use It is checked whether the amount of charge change through the use card of the card (2420).

If it is confirmed that the charge amount change through the use card of the charge / use card (2425), the charge affiliate server 115 is the card issuer server 110 to change the charge card information and the charge amount information, the charge amount changed The storage medium 2250 is stored in synchronization with the storage medium 2250, and the charge amount synchronization process is repeated until the charge amount is exhausted through the charge card of the charge / use card (2435).

More specifically, FIG. 25 is manufactured through the charging / using card manufacturing system shown in FIG. 2 and sold (or paid) to a customer, and charged through the charging / using card charging system shown in FIG. 18 or 22. A charge / use card transaction system in which a charge / payment card is charged, and the BIN information assigned to the use card of the charge / use card is registered with bansa and used for payment / financial transactions. However, one of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 25 to infer various implementation methods for the charge synchronization based recharge / use card transaction system configuration. The present invention includes all the implementation methods inferred above, the technical features are not limited only to the implementation method shown in FIG. The.

For example, in FIG. 25, technical features of the specialized exchange protocol between the servers and the specialized structure conversion process according to the specialized exchange protocol are omitted for convenience, but the present invention basically includes the specialized structure conversion according to the specialized exchange protocol. Is to be made clear.

In addition, in FIG. 25, the transaction through the use card of the charge / use card is described with reference to a payment approval request requested from an affiliated store terminal 125 provided at an affiliated store, but the present invention is not limited thereto. The transaction through the use card of the charge / use card is characterized in that it includes all of the financial transactions through CD / ATM, online payment through a web server such as an internet shopping mall, but the present invention provides the financial transactions through online. By describing the technical configuration of the charge / use card transaction for payment, it is possible to infer the system configuration for the financial transaction or online payment through the payment through the merchant terminal 125, the financial in this figure 25 A system configuration for transaction or online payment will be omitted.

Referring to FIG. 25, the charge synchronization-based charge / use card transaction system is manufactured through an affiliated store terminal 125 provided at an affiliated store and the charge / use card manufacturing system shown in FIG. 2 and sold to a customer ( Or a card issuer server 110 that operates a charge / use card in which a charged amount is charged through the charge / use card charging system shown in FIG. 18 or 22, and from the affiliated store terminal 125. Characterized in that it comprises a bansa server 120 for relaying the transmission of the approval request to the professional relay target.

In FIG. 25, the bansa server 120 is also illustrated as a single server for convenience. This is only an exemplary method for efficiently describing the technical features of the bansa server 120 in the present invention. The Bansa server 120 is implemented in a system form consisting of a plurality of servers for each function component or an old component form of an internal component of the server provided in the bansa according to a gold synchronization based charge / use card transaction system implementation method. It is clear that it can be done.

In addition, although the card issuer server 110 is illustrated as one server in FIG. 25 for convenience, this is merely an exemplary method for efficiently describing the technical features of the card issuer server 110 in the present invention. According to the intention of the person skilled in the art and the method of implementing a recharge / use card transaction system based on the synchronization, the card issuing server 110 may be implemented as a system consisting of a plurality of servers for each function component, or may be provided in the card issuer. It is clear that the server can be spherical in the form of internal components.

According to the embodiment shown in FIG. 25, the bansa server 120 stores BIN information assigned to a use card of the charge / use card in a card company BIN D / B (not shown), whereby the bansa server The specialized relay target server of 120 is characterized in that it comprises a card issuer server 110 for operating the charge / use card.

The card issuer server 110 is a server that processes the payment / financial transaction through the use card of the charge / use card in the card issuer that produces and sells (or pays) the charge / use card ( Or device), the card issuer is a card company (or financial company) that issues a conventional payment card, or preferably comprises a separate charge / use card issuer operating the charge / use card.

When the card issuing server 110 is a server provided at a card company (or financial company) according to an embodiment of the present invention, the card issuing server 110 is provided in the full text of an authorization request received from the bansa server 120. If the included card information is recognized as a domestic card issued by the card company (or financial company), the transaction approval limit amount (for example, credit limit or linked account) for the domestic card as a card company (or financial company) for the domestic card. Balance), and processing the transaction for the transaction amount included in the transaction information through the transaction approval limit amount, and the card included in the full text of the authorization request received from the bansa server 120. When the information is a use card of the charge / use card, use card information corresponding to the card information included in the authorization request text and charge / use associated with the use card information Checking the charge card information of the use card, the charge amount information charged through the charge card, and processing the approval for the transaction amount contained in the full text of the authorization request through the charge amount information charged through the charge card It features.

According to the embodiment shown in FIG. 25, the BIN information stored in the card company BIN D / B is produced and sold to the customer in addition to the BIN information corresponding to the card issued by the domestic issuer. Or BIN information corresponding to the used card of the charged / used card, wherein the bansa server 120 requests the authorization based on the BIN information stored in the card company BIN D / B. Among the card information included in the full text, it is preferable to recognize and confirm the use card of the charge / use card that is produced (or paid) by the card issuer and the customer.

Referring to FIG. 25, the bansa server 120 may include an interface unit 2500 for connecting and managing a communication channel with an affiliated store terminal 125 provided at the affiliated store through a communication network (for example, a public communication network), and the interface. The approval request professional receiving unit 2505 (or the professional receiving means) for receiving the approval request text through the communication channel in association with the unit 2500 and the card information included in the received approval request text by reading the approval request. Special relay target confirmation unit (2515) (or card verification means) for checking the special relay target server to relay the full text, and approval request professional transmission unit (2520) for transmitting the approval request message to the identified professional relay target server (Or a professional relaying means), an approval result message receiving unit 2525 for receiving a text of an approval result including the transaction history corresponding to the approval request message from the specialized relay target server; In connection with the interface unit 2500 over the communication channel to the authorization result professional containing the transaction history characterized in that obtained by having a specialized authorization result transmission unit 2510 to transmit to the merchant terminal 125.

The interface unit 2500 transmits and receives transaction-related professional transmission and reception with the affiliated store terminal 125 provided at the affiliated store through a communication protocol corresponding to a communication network connecting the bansa server 120 and the affiliated store terminal 125 provided at the affiliated store. It is characterized in that for connecting the communication channel for, and maintaining and managing the communication channel until the specialized transmission and reception is completed.

The merchant terminal 125 to which the communication channel is connected reads card information from the charge / use card through a card reader, and transaction information (eg, transaction amount information, merchant information (or charge / use card use) through a key input device. Target terminal information), and after generating an authorization request message including the card information, the transaction information, and the affiliated store information and transmitting it through a communication network, the authorization request message receiving unit 2505 is connected to the interface unit 2500. It is characterized in that for receiving the authorization request message from the affiliated store terminal 125 in association.

If the approval request message is encrypted and transmitted from the affiliated terminal 125 through the Bansa encryption key, the approval request message receiving unit 2505 preferably decrypts the encrypted approval request message.

When the approval request message is received, the specialized relay target confirmation unit 2515 reads a BIN of card information included in the approval request message, and confirms the specialized relay target server to which the approval request message is to be relayed. do.

According to the implementation method illustrated in FIG. 25, the specialized relay target confirmation unit 2515 reads the BIN information of the use card of the charge / use card to transfer the card issuer server 110 to the specialized relay target server. It is desirable to confirm.

When the specialized relay target server to which the approval request message is to be relayed is confirmed by the specialized relay target confirmation unit 2515, the approval request message transmission unit 2520 is between the bansa server 120 and the specialized relay target server. The transmission of the approval request through the communication channel connected to the characterized in that the transmission to the specialized relay target server.

Thereafter, the expert relay target server performs a transaction approval procedure corresponding to the approval request message, and transmits the approval result message including a transaction history corresponding to the approval request message through the communication channel. The receiver 2525 is configured to receive the approval result text from the specialized relay target server through the communication channel.

When the approval result message is received from the specialized relay target server, the approval result message transmission unit 2510 is connected to the interface unit 2500 and the approval result message including the transaction details through the communication channel to the affiliated store. Characterized in that the transmission to the terminal 125, it is preferable that the interface unit 2500 further performs a process of verifying that the full text of the approval result is transmitted to the affiliated store terminal 125.

When the card issuing server 110 is a server provided to a card company (or financial company) according to an embodiment of the present invention, the card issuing server 110 is a payment card issued by the card issuer and the charge / A DBMS having a BIN information D / B 2575 for storing BIN information on a use card of a use card and card attribute information for each BIN of the card in association with or storing the BIN information D / B 2575. Or a DB server (not shown) provided with the BIN information D / B 2575.

According to the present invention, the card issuer server 110 processes the card information, the card attribute information, and the card limit information corresponding to the card information issued by the card issuer and the card issued to the customer. DB server provided with a card management D / B 2585 for storing, or interworking with a DBMS for operating the card management D / B 2585, or provided with the card management D / B 2585 (not shown). It is preferable to link with).

The card limit information is for confirming a transaction approval limit amount for processing a transaction approval for a transaction amount requested through the card according to the transaction attribute (eg, postpaid, debit, or prepaid) of the card. It is preferable to include information.

According to the present invention, the card issuer server 110 includes a transaction history D / B 2580 for storing the transaction approved transaction history information when the transaction is approved through a card issued by the card issuer. Alternatively, it is preferable to interwork with a DBMS operating the transaction history D / B 2580 or to a DB server (not shown) provided with the transaction history D / B 2580.

The card information is information that matches card information provided in the card management D / B 2585, and preferably includes a card number. The card information includes the card management D / B 2585 through the card information. The transaction history D / B 2580 is preferably linked in a relational manner.

The affiliated store information is information for identifying an affiliated store that has requested a transaction approval for the transaction amount through the card, and the affiliated store information is settled among the affiliated store information (or affiliated store code) included in the full approval request and the transaction approved amount. It is preferable to include the merchant account information to settle the amount of money.

Referring to FIG. 25, the card issuer server 110 may include a communication unit 2530 for connecting and managing a communication channel with the bansa server 120 through a communication network (for example, a dedicated communication network), and the communication unit 2530. A payment unit 2535 (or a specialized receiving means) for receiving the full text of the approval request from the bansa server 120 and the card information included in the received full text of the approval request issued by the card issuer. A card information checking unit 2545 (or card checking means) for checking whether the card is a card or a use card of the charge / use card, and the card information is confirmed (or recognized) by a payment card issued by the card issuer. A card transaction approval unit 2550 for confirming a transaction approval limit amount corresponding to the card information and approving a transaction for a transaction amount included in the approval request message through the confirmed transaction approval limit amount; Generate a transaction history including the transaction approval result, generate a full text of the approval result including the transaction history, and in conjunction with the communication unit 2530 to transmit the full text of the approval result generated through the communication channel to the bansa server ( And a transmission unit 2540 (or a specialized transmission unit) for transmitting to the 120. When the transaction is approved by the card transaction approval unit 2550, the transaction history information included in the transaction history is included. Characterized in that further comprises a transaction history storage unit 2553 for storing in the transaction history D / B (2580).

The communication unit 2530 may be configured to connect a communication channel for transceiving a professional transaction with the bansa server 120 through a communication protocol corresponding to a communication network connecting the card issuer server 110 and the bansa server 120. It features.

When the bansa server 120 transmits the full text of the approval request through the communication channel, the receiving unit 2535 is connected to the communication unit 2530 and the approval request including at least one card information, transaction information and merchant information. Characterized in receiving the full text.

If the approval request message is encrypted and transmitted from the bansa server 120 through the encryption key of the card company server, the receiving unit 2535 preferably decrypts the encrypted approval request message.

When the authorization request message is received, the card information confirmation unit 2545 checks the card information included in the authorization request message, reads the BIN information included in the confirmed card information, and the card information is the card. It is characterized by checking whether the payment card issued by the issuer or the use card of the charge / use card.

If the card information is confirmed (or recognized) by the payment card issued by the card issuer, the card information verification unit 2545 is a card that the card is reported as lost in the process of checking the card information, or is not available condition It is preferable to further include a step of checking whether the card satisfies (for example, credit failure, delinquency, etc.) or the card has expired.

If the card information is confirmed (or recognized) by the payment card issued by the card issuer, the card transaction approval unit 2550 is provided in the card management D / B (2585) in association with the card information The transaction approval limit amount corresponding to the limit information is checked, and the transaction for the transaction amount included in the approval request is based on the identified transaction approval limit amount.

According to the method of the present invention, the card transaction approval unit 2550 first checks the transaction attribute corresponding to the card information in association with the card management D / B 2585 in order to confirm the transaction approval limit amount (eg, Post-payment, debit, prepayment, etc.) is preferable.

According to an exemplary embodiment of the present invention, when the card includes a postpaid transaction attribute (eg, credit card transaction attribute), the card transaction approval unit 2550 reads the credit limit amount information included in the card limit information. It is desirable to confirm with the transaction authorization limit amount on the card.

According to another exemplary embodiment of the present invention, when the card includes a debit type transaction attribute (eg, a check card transaction attribute or a debit card transaction attribute), the card transaction approval unit 2550 is included in the card limit information. It is preferable to check the linked account information and check the balance information of the linked account in connection with a financial institution server (not shown) as the transaction approval limit amount for the card.

According to another exemplary embodiment of the present invention, when the card includes a prepaid transaction attribute (for example, a prepaid card transaction attribute), the card transaction approval unit 2550 receives the charge amount information included in the card limit information. It is preferable to confirm with the transaction approval limit amount for the card.

When the transaction approval limit amount for the card is confirmed, the card transaction approval unit 2550 grants a transaction approval or transaction for each transaction attribute on the transaction amount included in the authorization request text based on the confirmed transaction approval limit amount. It is characterized by checking whether there is an error.

According to an exemplary embodiment of the present invention, when the card includes a postpaid transaction attribute (for example, credit card transaction attribute), the card transaction approval unit 2550 may schedule a schedule in connection with the transaction history D / B 2580. Confirm the cumulative transaction approval amount authorized for the transaction through the card, add the identified cumulative transaction approval amount and the transaction amount included in the transaction information, and add the sum and the confirmed transaction approval limit amount ( For example, it is preferable to confirm the approval of the transaction or a transaction error by comparing the credit limit amount).

For example, when the transaction approval limit amount (eg, credit limit amount) is greater than the sum of the sums, the card transaction approval unit 2550 preferably processes the transaction.

According to another exemplary embodiment of the present invention, when the card includes a debit type transaction attribute (eg, a check card transaction attribute or a debit card transaction attribute), the card transaction approval unit 2550 may execute the transaction approval limit amount (eg, , The balance of the linked account) and the transaction amount included in the transaction information to determine whether the transaction approval or transaction error for the transaction amount.

For example, when the transaction approval limit amount (eg, the balance of the linked account) is larger than the transaction amount, the card transaction approval unit 2550 preferably processes the transaction.

According to another exemplary embodiment of the present invention, when the card includes a prepaid transaction attribute (eg, a prepaid card transaction attribute), the card transaction approval unit 2550 may set the transaction approval limit amount (eg, a recharge amount). It is preferable to check a transaction approval or a transaction error for the transaction amount by comparing the transaction amount included in the transaction information.

For example, when the transaction approval limit amount (eg, the recharge amount) is larger than the transaction amount, the card transaction approval unit 2550 preferably processes the transaction.

When the transaction approval procedure for the transaction amount is completed by the card transaction approval unit 2550, the transmission unit 2540 includes a transaction including a result of the transaction approval approved by the card transaction approval unit 2550. Characterized by generating a history.

When the transaction history is generated, the transmission unit 2540 generates a full text of an approval result including the transaction history, and the transmission unit 2540 establishes the communication channel in association with the communication unit 2530. Characterized in that through the transmission of the full approval result is characterized in that for transmitting to the bansa server 120.

In addition, when a transaction for the transaction amount is approved by the card transaction approval unit 2550, the transaction history storage unit 2553 may include card information included in the transaction history generated by the transmission unit 2540, and The transaction history information including at least one or more transaction approval date, transaction authorization amount, merchant information and transaction approval information may be stored in the transaction history D / B 2580.

Referring to FIG. 25, when the card issuing server 110 is identified as a use card of the charge / use card included in the full text of the request for approval received through the receiver 2535, the card issuer server 110 is included in the text of the approval request. Read card information and use card information including BIN information assigned to a use card of the charge / use card among BIN information assigned to the card issuer, and charge / use card associated with the use card information. Charge through the card information, information confirmation unit (2555) (or information confirmation means) for confirming the charge amount information charged through the charge card, and the charge amount information charged through the charge card of the charge / use card / Transaction approval processing unit (2560) (or transaction approval processing means) for processing the transaction approval for the transaction amount (= transaction amount included in the full authorization request) using the usage card of the usage card And being characterized in that, the transmission unit 2540 is characterized in that it sends an authorization result professional comprising the transaction history corresponding to the transaction authorization processing to the baensa server 120.

When the authorization request message including the card information and transaction information corresponding to the use card of the charge / use card is received through the reception unit 2535, the information verification unit 2555 includes card information included in the authorization request message. It is characterized in that for checking the use card information including the BIN information assigned to the use card of the charge / use card of the BIN information assigned to the card issuer.

When the use card information of the charge / use card is confirmed, the information checking unit 2555 checks the charge card information of the charge / use card associated with the use card information in association with the storage medium 2590, and Characterized in that the charging amount information charged through the charging card.

According to the exemplary embodiment of the present invention, the information checking unit 2555 may further include checking whether the use card information and the charging card information are activated in association with the storage medium 2590.

When the amount of charge information charged through the charge card associated with the use card of the charge / use card is confirmed through the information checking unit 2555, the transaction approval processing unit 2560 determines the charge card of the charge / use card. It is characterized in that the transaction approval for the transaction amount (= transaction amount included in the full approval request) using the use card of the charge / use card through the charge amount information charged through.

According to the implementation method of the present invention, the transaction approval processing unit 2560 is a transaction value (= transaction amount included in the full authorization request) and the charge card of the charge / use card using the use card of the charge / use card Compare the charge amount charged through and, if the charge amount is greater than the transaction amount, approve the transaction through the use card of the charge / use card; on the contrary, if the charge amount is larger than the transaction amount, Error processing transactions through the use card of the charge / use card.

If a transaction is approved for a transaction amount (= transaction amount included in the full approval request) using the use card of the charge / use card through the charge amount information charged through the charge card of the charge / use card, the The transaction approval processing unit 2560 may be configured to deduct the approved amount from the charged amount charged through the charging card in association with the storage medium 2590.

The transaction amount using the charge / use card of the charge / use card through the charge amount information charged through the charge card of the charge / use card through the transaction approval processing unit 2560 (= transaction amount included in the full approval request) When the transaction is processed, the transmission unit 2540 generates a transaction history including any one of transaction approval information or transaction error information corresponding to the transaction approval process, and completes an approval result message including the transaction history. To generate and transmit to the bansa server 120 through the communication network, the bansa server 120 is characterized in that for transmitting the full text of the approval result to the merchant terminal (125).

Referring to FIG. 25, the card issuing server 110 transmits the full approval result including the transaction approval information to the affiliated store terminal 125 through the bansa server 120, and then the transaction approval information. Based on the transaction history, including the purchase amount information for purchasing a document for the transaction amount approved through the payment card issued by the card issuer, or the transaction amount authorized through the use card of the charge / use card Transaction purchase information generation unit (2563) to generate (or purchase purchase information generation means), the transaction amount approved through the payment card issued by the card issuer, or the transaction approved through the use card of the charge / use card It is characterized by further comprising a slip purchase processing unit 2565 (or slip purchase processing means) for purchasing a slip for the amount of money.

After the full approval result including the transaction approval information is transmitted through the transmission unit 2540 to the affiliated store terminal 125 through the bansa server 120, the ticket purchase information generation unit 2503 is the transaction. Purchase of a slip to purchase a document for the transaction amount authorized through the payment card issued by the card issuer or the transaction amount authorized through the use card of the recharge / use card based on the transaction history including the authorization information. It is characterized by generating information.

The voucher purchase processing unit 2565 is a predetermined period after the transaction through the payment card issued by the card issuer, or the use card of the charge / use card is approved, or the card issuer from the bansa server 120 When a purchase amount of a document approved for the transaction amount authorized through the payment card issued by or the authorized transaction amount through the use card of the charge / use card is approved, the transaction amount authorized through the payment card issued by the card issuer Or purchase a slip for the authorized transaction amount through the use card of the charge / use card.

Referring to FIG. 25, the card issuing server 110 is authorized in the charge amount charged through a charge card associated with a use card of a charge / use card approved for transaction by the transaction approval processing unit 2560. When the amount is deducted, the synchronization target charge card information associated with the use card of the charge / use card and the charge amount information deducted from the approved amount are confirmed in association with the storage medium 2590, and the confirmed synchronization It is characterized in that it further comprises a charge synchronization unit (2570) (or charge synchronization means) for synchronizing the target charge card information and the charge amount information to the charging partner server 115 shown in FIG. .

The transaction is approved by the transaction approval processing unit 2560 through a use card of the charge / use card, and the approved amount from the charge amount charged through the charge card associated with the use card of the transaction approved charge / use card. When deducting, the charge synchronization unit 2570 checks the synchronization target charge card information associated with the use card of the charge / use card in association with the storage medium 2590, the confirmed synchronization target charge card information It is associated with and characterized in that for confirming the amount of charge information deducted the approved amount.

When the synchronization target charge card information and the charge amount information are confirmed, the charge synchronization unit 2570 may charge the confirmed synchronization target charge card information and the charge amount information to the charging affiliate server 115 shown in FIG. 18 or 22. ) To synchronize the deducted charge amount.

FIG. 26 is a diagram illustrating a transaction request process between an affiliated store terminal 125 and a bansa server 120 according to an exemplary embodiment of the present invention.

In more detail, in FIG. 26, when the merchant terminal 125 on the charge synchronization-based charge / use card transaction system illustrated in FIG. 25 generates the full authorization request message and transmits it to the bansa server 120, the bansa server 120 is generated. ) Shows a process of confirming the specialized relay target server for the approval request full text, and relaying the approval request full text to the specialized relay target server, and a person having ordinary knowledge in the technical field to which the present invention belongs. However, various implementation methods for the transaction request process between the affiliated store terminal 125 and the bansa server 120 may be inferred by referring to and / or modifying the present invention, but the present invention includes all the implementation methods inferred. And the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 26, the merchant terminal 125 on the recharge / use card transaction system shown in FIG. 25 reads card information from the customer card through a card reader, and trades information through a key input means. (E.g., transaction amount information, merchant information (or charging / use card use target terminal information) (2600), and includes the entered card information and transaction information and merchant information stored in the merchant terminal 125. Generate a full request message (2605).

Here, the customer card is produced through the charge / use card manufacturing system shown in Figure 2 and sold (or paid) to the customer, the amount of charge through the charge / use card charging system shown in Figure 18 or 22 It is preferable to include the use card of the charged charge / use card.

Thereafter, the affiliated store terminal 125 connects a communication channel for professional transmission and reception with the bansa server 120 through the communication network (eg, a public communication network) (2610).

If the communication channel is connected (2615), the merchant terminal 125 transmits the full text of the authorization request to the bansa server 120 through the communication channel (2620), and correspondingly the bansa server 120 Receives the approval request message transmitted from the affiliated store terminal 125 through the communication channel (2625).

Subsequently, the bansa server 120 reads card information included in the approval request text to confirm BIN information (2630), and reads the checked BIN information to relay a specialized relay target server to transmit the approval request text. Confirm (2635).

According to the embodiment shown in FIG. 25, the bansa server 120 reads the BIN information of the use card of the charge / use card to check the card issuer server 110 as the specialized relay target server. desirable.

If the specialized relay target server to relay the approval request message is confirmed (2640), the bansa server 120 relays the approval result message to the identified professional relay target server (2645).

27 is a diagram illustrating a transaction processing process of the card issuer server 110 according to an exemplary embodiment of the present invention.

In more detail, Figure 27 checks the card issuer server 110 on the charge synchronization-based recharge / use card transaction system shown in Figure 25 through the transaction request process shown in Figure 26 to a specialized relay target server In the case of relay transmission of the authorization request message, the card issuer server 110 reads the BIN of the card information included in the authorization request message, and the card information included in the authorization request message is issued by the card issuer. Check whether the payment card or the use of the charge / use card, and if the card information is confirmed (or recognized) by the payment card issued by the card issuer, processing the transaction approval for the full text of the authorization request, Or, if it is confirmed (or recognized) as the use card of the charge / use card, a process for processing the transaction authorization through the use card of the charge / use card As one of ordinary skill in the art to which the present invention pertains, various implementation methods for the transaction processing process of the card issuer server 110 may be inferred by referring to and / or modifying the drawing 27. However, the present invention includes all implementation methods inferred from the above, and the technical features are not limited only to the implementation method illustrated in FIG. 27.

Referring to FIG. 27, through the transaction request process shown in FIG. 26, the card issuer server 110 on the charge synchronization-based charge / use card transaction system shown in FIG. When relaying the request message, the card issuer server 110 receives the approval request message from the bansa server 120 (2700), and reads the BIN of the card information included in the approval request message. In operation 2705, the card corresponding to the card information is a payment card issued by the card issuer.

If the card corresponding to the card information is not a payment card issued by the card issuer (2710), the card issuer server 110 reads the BIN of the card information so that the card information is stored in the charge / use card. Check whether the card is used (2715).

If the card information is confirmed as the use card of the charge / use card (2720), the card issuer server 110 performs a transaction process through the use card of the charge / use card shown in FIG.

On the other hand, if it is confirmed (or recognized) by the payment card issued by the card issuer corresponding to the card information (2710), the card issuer server 110 is the card information, transaction information and merchants included in the full authorization request Information is checked (2735), and the card management D / B 2585 checks the transaction approval limit amount for each transaction attribute corresponding to the card limit information provided in association with the card information (2740).

If the transaction approval limit amount for each transaction attribute of the card is confirmed (2745), the card issuer server 110 determines the transaction attribute for the transaction amount included in the approval request text based on the confirmed transaction approval limit amount. Process transaction approval (2750).

According to an exemplary embodiment of the present invention, when the card includes a postpaid transaction attribute (eg, credit card transaction attribute), the card issuer server 110 may schedule a schedule in connection with the transaction history D / B 2580. Confirm the cumulative transaction approval amount authorized for the transaction through the card, add the identified cumulative transaction approval amount and the transaction amount included in the transaction information, and add the sum and the confirmed transaction approval limit amount ( For example, it is preferable to compare the credit limit amount) to confirm the transaction approval or the error of the transaction amount.

According to another exemplary embodiment of the present invention, when the card includes a prepaid transaction attribute (eg, a prepaid card transaction attribute), the card issuer server 110 may set the transaction approval limit amount (eg, a recharge amount). It is preferable to check whether the transaction approval or the transaction error for the transaction amount by comparing the transaction amount included in the transaction information.

If the transaction approval process results in the transaction approval is not confirmed (2755), the card issuer server 110 generates a full text of the authorization result containing the transaction error information and transmits to the bansa server 120 In response, the bansa server 120 transmits and outputs the full text of the approval result including the transaction error information to the affiliated store terminal 125 through a communication channel connected to the affiliated store terminal 125 (2765). .

On the other hand, if the transaction approval processing result confirms the transaction approval for each transaction attribute (2755), the card issuer server 110 generates a transaction history including the transaction approval result (2770).

Subsequently, the card issuer server 110 generates a full text of an authorization result including the transaction history and transmits it to the bansa server 120 (2775). In response thereto, the bansa server 120 is an affiliated store terminal 125. The full text of the approval result including the transaction history is transmitted to the affiliated store terminal 125 through the communication channel connected to the terminal (2765).

In addition, the card issuer server 110 may include the card information included in the generated transaction history, transaction history information including at least one transaction approval date, transaction authorization amount, merchant information, and transaction approval information. / B (2580) to store (2780).

More specifically, FIG. 28 shows a card issuer server 110 on a charge synchronization based charge / use card transaction system shown in FIG. 25 through a transaction process of the card issuer server 110 shown in FIG. When the full text of the approval request including the card information corresponding to the use card of the charge / use card is received, the card issuer server 110 based on the charge amount charged through the charge card of the charge / use card A process of processing a transaction approval for a transaction amount requested through a use card of the charge / use card, and a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 28. It will be possible to infer various implementation methods for the transaction process through the use card of the charge / use card, but the present invention includes all the implementation methods inferred W is made, the technical features are not limited only with the exemplary method shown in the figure 28.

Referring to Figure 28, through the transaction processing process of the card issuer server 110 shown in Figure 27 is produced through the charge / use card production system shown in Figure 2 is sold (or paid) to the customer, The full text of the authorization request including the card information corresponding to the use card of the charge / use card in which the charge amount is charged through the charge / use card charging system shown in FIG. 18 or 22 is synchronized with the charge shown in FIG. When the card issuer server 110 is received on the card-based recharge / use card transaction system, the card issuer server 110 corresponds to a use card of the charge / use card from the bansa server 120 through a communication network. Receive an authorization request message including information (2800), read the card information included in the authorization request message, the history of the charge / use card of the BIN information assigned to the card issuer The use card information including the BIN information associated with the assignment to the use card is checked (2805).

If the use card information including the BIN information associated with the allocation of the charge / use card to the use card of the BIN information assigned to the card issuer by reading the card information included in the authorization request full message is not confirmed ( 2810), the card issuer server 110 generates a full text of the authorization result including the transaction error information and transmits it to the bansa server 120 (2815), and the bansa server 120 is the merchant terminal 125 The full text of the approval result is transmitted to the affiliated store terminal 125 through a communication channel connected with the output channel (2830).

On the contrary, when the card information including the BIN information associated with the card information included in the approval request is read and the BIN information assigned to the card issuer is allocated to the use card of the charge / use card is confirmed (2810) In operation 2835, the card issuer server 110 checks whether the use card of the charge / use card is activated in association with the storage medium 2590.

If the use card of the charge / use card is not activated (2840), the card issuer server 110 generates a full text of an authorization result including transaction error information and transmits it to the bansa server 120 (2815). The bansa server 120 transmits the full text of the approval result to the affiliated store terminal 125 through a communication channel connected to the affiliated store terminal 125 and outputs the generated certificate (2830).

On the other hand, if the use card of the charge / use card is activated (2840), the card issuing server 110 in connection with the storage medium (2590) charge card information and the charge card associated with the use card information Check the charged amount information charged through (2845).

If the charge card information associated with the use card information and the charge amount information charged through the charge card is not confirmed (2850), the card issuer server 110 generates a full text of an approval result including transaction error information. The bansa server 120 transmits the result to the bansa server 120 (2815), and the bansa server 120 transmits the full text of the approval result to the affiliated store terminal 125 through a communication channel connected with the affiliated store terminal 125 (2830). .

On the other hand, if the charge card information associated with the use card information and the charge amount information charged through the charge card is confirmed (2850), the card issuer server 110 is charged through the charge card of the charge / use card The transaction approval for the transaction amount (= transaction amount included in the authorization request text) using the use card of the charge / use card is processed through the charge amount information (2855).

If the transaction for the transaction amount is not approved through the use card of the charge / use card (2860), the card issuer server 110 generates a full text of an authorization result including transaction error information to the bansa server 120. In operation 2830, the bansa server 120 transmits the full text of the approval result to the affiliated store terminal 125 through the communication channel connected to the affiliated store terminal 125 and outputs the generated certificate result (2830).

On the other hand, if a transaction for the transaction amount is approved through the use card of the charge / use card (2860), the card issuer server 110 links the charge / use card with the storage medium 2590. Subtract the transaction amount authorized through the use card of the charge / use card from the charge amount charged through the (2865), and generates the full text of the approval result including the transaction approval information corresponding to the transaction approval processing by the bansa server ( In step 2870, the bansa server 120 transmits the full text of the approval result to the affiliated store terminal 125 through a communication channel connected with the affiliated store terminal 125 and outputs the generated certificate (2830).

29 is a diagram illustrating a domestic card-type slip purchase process for a use card transaction of a charge / use card according to an embodiment of the present invention.

In more detail, FIG. 29 is based on the synchronization of charges shown in FIG. 25 after the transaction through the use / use card of the charge / use card is processed through the transaction process through the use / use card of the charge / use card shown in FIG. This is a view illustrating a process of purchasing a slip for the use card transaction in the card issuer server 110 on the charge / use card transaction system. By referring to and / or modified to infer various implementation methods for the domestic card-type voucher purchase process for the use card transaction of the charge / use card, the present invention comprises all the inferred implementation methods, The technical features are not limited only to the implementation method shown in FIG.

For example, in FIG. 29, the card issuer server 110 that processes the transaction process through the use card of the charge / use card shown in FIG. 28 performs a purchase purchase confirmation and request process. However, the present invention is not limited thereto, and according to the intention of those skilled in the art, it is possible to perform a check purchase and request process on the bansa server 120 provided with the full approval result, and the present invention provides the bansa server 120. It should be made clear that this includes the process of confirming and requesting the purchase of a document.

Referring to FIG. 29, after the transaction through the use card of the charge / use card is processed through the transaction process using the charge / use card shown in FIG. 28, the card issuer server 110 charges the charge. Check whether the purchase of the slip for the transaction approval through the use card of the use card is made (2900).

If the purchase of the slip for the transaction approval through the use card of the charge / use card is confirmed (2905), the card issuer server 110 performs a transaction process through the use card of the charge / use card shown in FIG. Based on the transaction history generated in step S29 purchase information about the transaction approval through the use card of the charge / use card is generated.

Thereafter, the card issuer server 110 purchases a slip for the transaction approval through the use card of the charge / use card based on the slip purchase information (2915).

If the document corresponding to the transaction approval through the use card of the charge / use card is purchased in accordance with the affiliated document purchase procedure (2920), the card issuer server 110 for the use card of the charge / use card The result of the document purchase is stored (2925).

30 is a diagram illustrating a recharge amount synchronization process between a card issuer and a recharge affiliate according to an exemplary embodiment of the present invention.

In more detail, in FIG. 30, the transaction is approved through the use card of the charge / use card through a transaction process using the charge / use card shown in FIG. 28, and the use of the approved charge / use card is shown. When the approved amount is subtracted from the charge amount charged through the charge card associated with the card, the card issuer server 110 shown in the charge synchronization based charge / use card transaction system shown in FIG. The process of synchronizing the charge amount changed by payment / financial transaction through the use card / use card to the charge affiliate server 115 shown in FIG. 18 or FIG. 22, which is commonly used in the art. Those skilled in the art can refer to and / or modify this drawing 30 to implement various methods for synchronizing the amount of payment between the card issuer and the recharge affiliate. (For example, some steps may be omitted, or the order of implementation may be changed). However, the present invention includes all the implementation methods inferred above, and the technical features are only shown by the implementation method shown in FIG. This is not limited.

Referring to FIG. 30, a transaction is approved through the use card of the charge / use card through a transaction process through the use card of the charge / use card shown in FIG. 28, and use of the charge / use card of the transaction approved. When the approved amount is subtracted from the charge amount charged through the charge card associated with the card issuer server 110, the card issuer server 110 is synchronized with the use card of the charge / use card in association with the storage medium 2590. The target charge card information is checked, and the charge amount associated with the confirmed synchronization target charge card information is checked and the approved amount is deducted (3000).

According to the method of the present invention, the synchronization target charge card information is preferably made of the charge card information of all the charge / use card deducted the charge amount through the card issuer server 110.

If the synchronization target charge card information and the charge amount information is confirmed (3005), the card issuer server 110 charges the identified synchronization target charge card information and the charge amount information shown in Figure 18 or 22 The partner server 115 transmits the synchronization to the affiliate server 115 (3010), and the charge amount synchronization process is repeated until the charge amount is exhausted through the charge card of the charge / use card (3015).

According to an embodiment of the present invention, the synchronization target charge card information and the charge amount information transmitted to the charging affiliate server 115 may include the same information configuration as the storage medium 2590 and may be provided in the charging affiliate server 115. It is preferably stored in the storage medium 2590.

FIG. 31 is a diagram illustrating a credit synchronization based charge / use card transaction system according to another embodiment of the present invention.

More specifically, Figure 31 is produced through the charging / using card manufacturing system shown in Figure 2 is sold (or paid) to the customer, and charged through the charging / using card charging system shown in Figure 18 or 22 A charge / use card transaction system in which a charge / payment card is charged, and the BIN information assigned to the use card of the charge / use card is registered with bansa and used for payment / financial transactions. However, one of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 31 to infer various implementation methods for the charge synchronization based charge / use card transaction system configuration. The present invention includes all the implementation methods inferred above, the technical features are not limited only to the implementation method shown in FIG. do.

For example, in FIG. 31, technical features of the specialized exchange protocol between the servers and the specialized structure conversion process according to the specialized exchange protocol are omitted for convenience, but the present invention basically includes the specialized structure conversion according to the specialized exchange protocol. Is to be made clear.

In addition, in FIG. 31, the transaction through the use card of the charge / use card is illustrated mainly referring to the payment approval request requested from the affiliated store terminal 125 provided at the affiliated store, but the present invention is not limited thereto. The transaction through the use card of the charge / use card is characterized in that it includes all of the financial transactions through CD / ATM, online payment through a web server such as an internet shopping mall, but the present invention provides the financial transactions through online. By describing the technical configuration of the charge / use card transactions for payment, it is possible to infer the system configuration for the financial transaction or online payment through payment through the merchant terminal 125, the financial in this figure 31 A system configuration for transaction or online payment will be omitted.

Referring to FIG. 31, the charge synchronization-based charge / use card transaction system is manufactured through an affiliated store terminal 125 provided at an affiliated store and the charge / use card manufacturing system shown in FIG. Or a card issuer server 110 that operates a charge / use card in which a charged amount is charged through the charge / use card charging system shown in FIG. 18 or FIG. 22, and from the affiliated store terminal 125. Characterized in that it comprises a bansa server 120 for relaying the transmission of the approval request to the professional relay target.

In FIG. 31, the bansa server 120 is also illustrated as one server for convenience, but this is only an exemplary method for efficiently describing the technical features of the bansa server 120 in the present invention, and the intention and charges of those skilled in the art. According to a synchronization-based charging / using card transaction system implementation method, the bansa server 120 may be implemented in a system form consisting of a plurality of servers for each function component, or may be spherical in the form of an internal component of a server provided in the bansa. It is clear that nothing is wrong.

In addition, in FIG. 31, the card issuer server 110 is illustrated as one server for convenience, but this is merely an exemplary method for efficiently describing the technical features of the card issuer server 110 in the present invention. According to the intention of the person skilled in the art and the method of implementing a recharge / use card transaction system based on the synchronization, the card issuing server 110 may be implemented as a system consisting of a plurality of servers for each function component, or may be provided in the card issuer. It is clear that the server can be spherical in the form of internal components.

The bansa server 120 may include a public switched telephone network (PSTN), an intelligent network, an xDSL-based wired network, a code division multiple access (CDMA) / wide-CDMA (WCDMA) -based mobile communication network, and high-speed HSDPA. Downlink Packet Access) based wireless network, the IEEE 802.16x-based portable Internet and the like through a public communication network including at least one of the merchant terminal 125 provided in the affiliated store and the communication channel, x.25 based communication network, encryption / By connecting a communication channel with one or more specialized relay target server through a dedicated communication network including at least one decryption-based communication network, it is characterized in that the affiliated store terminal 125 and the specialized relay target server.

According to the embodiment shown in FIG. 31, the bansa server 120 stores BIN information assigned to a use card of the charge / use card in a card company BIN D / B (not shown), whereby the bansa server The specialized relay target server of 120 is characterized in that it comprises a card issuer server 110 for operating the charge / use card.

When the card issuer server 110 is a separate charge / use card issuer operating the charge / use card according to an embodiment of the present invention, the card issuer server 110 is provided from the bansa server 120. When the authorization request message including the usage card information including the BIN information assigned to the use card of the charge / use card is received among the BIN information assigned to the card issuer, the card information included in the authorization request message is read. Use card information including BIN information assigned to a use card of the charge / use card among BIN information assigned to the card issuer, charge card information of the charge / use card associated with the use card information, and Check the charge amount information charged through the charge card, and process the approval for the transaction amount included in the approval request text through the charge amount information charged through the charge card. And that is characterized.

According to the embodiment of the present invention, the card issuer server 110 receives the full text of the authentication result encrypted with the encryption key of the card issuing server 110 from the bansa server 120 and decrypts the full text of the approval request. It is preferable to check the included card information and transaction information and merchant information.

According to the embodiment illustrated in FIG. 31, the BIN information stored in the card company BIN D / B is produced and sold to the customer in addition to the BIN information corresponding to the card issued by the domestic issuer. Or BIN information corresponding to the used card of the charged / used card, wherein the bansa server 120 requests the authorization based on the BIN information stored in the card company BIN D / B. Among the card information included in the full text, it is preferable to recognize and confirm the use card of the charge / use card produced and sold (or paid) by the card issuer to the customer.

Referring to FIG. 31, the bansa server 120 includes an interface unit 3100 for connecting and managing a communication channel with an affiliated store terminal 125 provided at the affiliated store through a communication network (eg, a public communication network), and the interface. The approval request message receiving unit 3105 (or a professional receiving means) for receiving the approval request message through the communication channel in association with the unit 3100 and the card information included in the received approval request message is read and the approval request is made. Special relay target confirmation unit (3115) (or card verification means) for checking the special relay target server to relay the full text, and approval request professional transmission unit 3120 for transmitting the approval request message to the identified professional relay target server (Or a professional relaying means), and an approval result message receiving unit 3125 for receiving a full text of an approval result including transaction details corresponding to the approval request message from the specialized relay target server. In connection with the interface unit 3100, characterized in that it comprises the approval result specialized transmission unit 3110 for transmitting the full text of the approval result including the transaction history to the affiliated store terminal 125 through a communication channel.

The interface unit 3100 transmits and receives specialized transaction-related transmission and reception with an affiliated store terminal 125 provided at the affiliated store through a communication protocol corresponding to a communication network connecting the bansa server 120 and the affiliated store terminal 125 provided at the affiliated store. It is characterized in that for connecting the communication channel for, and maintaining and managing the communication channel until the specialized transmission and reception is completed.

The merchant terminal 125 to which the communication channel is connected reads card information from the charge / use card through a card reader, and transaction information (eg, transaction amount information, merchant information (or charge / use card use) through a key input device. Target terminal information), and after generating an authorization request message including the card information, the transaction information, and the affiliated store information and transmitting it through a communication network, the authorization request message receiving unit 3105 is connected to the interface unit 3100. It is characterized in that for receiving the authorization request message from the affiliated store terminal 125 in association.

If the approval request message is encrypted and transmitted from the affiliated store terminal 125 through the bansa encryption key, the approval request message receiving unit 3105 preferably decrypts the encrypted approval request message.

When the approval request message is received, the specialized relay target confirmation unit 3115 reads a BIN from the card information included in the approval request message, and confirms the specialized relay target server to which the approval request message is to be relayed. do.

According to the embodiment shown in FIG. 31, the specialized relay target confirmation unit 3115 reads the BIN information of the use card of the charge / use card to transfer the card issuer server 110 to the specialized relay target server. It is desirable to confirm.

When the specialized relay target server to which the approval request telegram is relayed is confirmed by the specialized relay target confirmation unit 3115, the approval request specialized transmission unit 3120 may be configured between the bansa server 120 and the specialized relay target server. The transmission of the approval request through the communication channel connected to the characterized in that the transmission to the specialized relay target server.

Thereafter, the expert relay target server performs a transaction approval procedure corresponding to the approval request message, and transmits the approval result message including the transaction history corresponding to the approval request message through the communication channel. The receiver 3125 may receive the approval result text from the specialized relay target server through the communication channel.

When the approval result message is received from the specialized relay target server, the approval result message transmission unit 3110 connects with the interface unit 3100 to receive the approval result message including the transaction details through the communication channel in the affiliate store. Characterized in that the transmission to the terminal 125, it is preferable that the interface unit 3100 further performs a process of verifying that the full text of the approval result is transmitted to the affiliated store terminal (125).

Referring to FIG. 31, the card issuer server 110 may include a communication unit 3130 for connecting and managing a communication channel with the bansa server 120 through a communication network (for example, a dedicated communication network), and the communication unit 3130. Transaction request professional receiving unit (3135) (or specialized receiving means) for receiving the authorization request message containing the card information and transaction information corresponding to the use card of the charge / use card from the bansa server 120, and Usage card information including BIN information which is associated with the card information contained in the authorization request text is read and the BIN information assigned to the card issuer is allocated to the use card of the charge / use card, and the use card information. The information checking unit 3145 (or information checking means) for confirming the charging card information of the charge / use card associated with the charge card, the charge amount information charged through the charge card, and the charge card of the charge / use card. The transaction approval processing unit 3150 (or transaction approval) that processes the transaction approval for the transaction amount (= transaction amount included in the authorization request text) using the charge / use card using the charged amount information. And a transaction result specialized transmission unit 3140 (or a specialized transmission means) for transmitting the full text of an approval result including transaction details corresponding to the transaction approval process to the bansa server 120. It is done.

The communication unit 3130 connects a communication channel for transceiving a professional transaction with the bansa server 120 through a communication protocol corresponding to a communication network connecting the card issuer server 110 and the bansa server 120. It features.

When the bansa server 120 transmits the approval request message through the communication channel, the transaction request message receiving unit 3135 receives card information corresponding to the use card of the charge / use card from the bansa server 120. Characterized in that for receiving the full approval request containing the transaction information.

When the authorization request message including the card information and transaction information corresponding to the use card of the charge / use card is received through the transaction request message receiving unit 3135, the information confirming unit 3145 is included in the authorization request message. Read the card information and confirm the use card information including the BIN information associated with the allocation of the use / use card of the charge / use card among the BIN information assigned to the card issuer.

When the use card information of the charge / use card is confirmed, the information checking unit 3145 checks the charge card information of the charge / use card associated with the use card information in association with the storage medium 3170, and charges the Characterized in that the check the amount of charge information charged through the card.

According to an exemplary embodiment of the present invention, the information checking unit 3145 may further include checking whether the use card information and the charging card information are activated in association with the storage medium 3170.

When the amount of charge information charged through the charge card associated with the use card of the charge / use card is confirmed through the information checking unit 3145, the transaction approval processor 3150 opens the charge card of the charge / use card. It is characterized in that the transaction approval for the transaction amount (= transaction amount included in the full approval request) using the use card of the charge / use card through the charge amount information charged through.

According to the implementation method of the present invention, the transaction approval processing unit 3150 is a transaction amount (= transaction amount contained in the full authorization request) and the charge card of the charge / use card using the use card of the charge / use card Compare the charge amount charged through and, if the charge amount is greater than the transaction amount, approve the transaction through the use card of the charge / use card; on the contrary, if the charge amount is larger than the transaction amount, Error processing transactions through the use card of the charge / use card.

If a transaction is approved for a transaction amount (= transaction amount included in the full approval request) using the use card of the charge / use card through the charge amount information charged through the charge card of the charge / use card, the The transaction approval processing unit 3150 may subtract the approved amount from the charged amount charged through the charging card in association with the storage medium 3170.

The transaction amount using the charge / use card of the charge / use card through the charge amount information charged through the charge / use card of the charge / use card through the transaction approval processor 3150 (= transaction amount included in the full approval request) When the transaction is processed, the transaction result transmission unit 3140 generates a transaction history including any one of transaction approval information or transaction error information corresponding to the transaction approval process, and includes the transaction history. Characterized in that the full text of the approval result is transmitted to the bansa server 120 through the communication network, the bansa server 120 is characterized in that for transmitting the full text of the approval result to the affiliated store terminal (125).

Referring to FIG. 31, the card issuing server 110 transmits the approval result including the transaction approval information to the affiliated store terminal 125 through the bansa server 120 and then the transaction approval information. Slip purchase information generation unit 3155 (or slip purchase information generation means) for generating a slip purchase information for purchasing a slip for the transaction value approved through the use card of the charge / use card based on the transaction history And a slip purchase processing unit 3160 (or slip purchase processing means) for purchasing a slip for the transaction amount authorized through the use card of the charge / use card.

After the full transaction result, the approval result including the transaction approval information is transmitted to the affiliated store terminal 125 through the bansa server 120, the purchase information purchase unit 3155 According to the transaction history including the transaction approval information, characterized in that the purchase information for purchasing the document for the purchase price of the transaction approved through the use card of the charge / use card.

The voucher purchase processing unit 3160 passes a predetermined period after the transaction through the use card of the charge / use card has been approved, or the transaction amount approved through the use card of the charge / use card from the Bansa server 120 When the purchase of a slip is charged, the slip for the authorized transaction amount is purchased through the use card of the charge / use card.

Referring to FIG. 31, the card issuing server 110 is authorized in the charge amount charged through the charge card associated with the use card of the charge / use card approved for transaction by the transaction approval processing unit 3150. When the amount is deducted, the synchronization target charge card information associated with the use card of the charge / use card and the charge amount information deducted from the approved amount are confirmed in association with the storage medium 3170, and the confirmed synchronization It is characterized in that it further comprises a charge synchronization unit 3165 (or a charge synchronization means) for synchronizing the target charge card information and the charge amount information to the charging partner server 115 shown in FIG. .

The transaction is approved through the use card of the charge / use card by the transaction approval processing unit 3150, and is charged through the charge card associated with the use card of the charge / use card approved by the transaction approval processing unit 3150. When the approved amount is subtracted from the charged amount, the charge synchronization unit 3165 checks the synchronization target charge card information associated with the use card of the charge / use card in association with the storage medium 3170, It is characterized in that it is associated with the confirmed synchronization target charge card information and checks the amount of the charge amount of which the approved amount is deducted.

When the synchronization target charge card information and the charge amount information are confirmed, the charge synchronization unit 3165 may charge the identified synchronization target charge card information and the charge amount information to the charging affiliate server 115 shown in FIG. 18 or 22. ) To synchronize the deducted amount of charge.

32 is a diagram illustrating a transaction request process between an affiliated store terminal 125 and a bansa server 120 according to another exemplary embodiment of the present invention.

In more detail, FIG. 32 shows the full text of the authorization request from the merchant terminal 125 on the charge synchronization-based recharge / use card transaction system shown in FIG. 31 and transmits it to the bansa server 120. ) Shows a process of confirming the specialized relay target server for the approval request full text, and relaying the approval request full text to the specialized relay target server, and a person having ordinary knowledge in the technical field to which the present invention belongs. However, various implementation methods for the transaction request process between the merchant terminal 125 and the bansa server 120 may be inferred by referring to and / or modifying the drawing 32, but the present invention includes all the implementation methods inferred. The technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 32, the merchant terminal 125 on the charge synchronization-based charge / use card transaction system shown in FIG. 31 reads card information from the customer card through a card reader, and transaction information through a key input means. (Eg, transaction amount information, merchant information (or charging / use card use target terminal information) is input (3200), the authorization including the input card information and transaction information and merchant information stored in the merchant terminal 125 Generate the full request (3205).

Thereafter, the affiliated store terminal 125 connects the communication channel for professional transmission and reception with the bansa server 120 through the communication network (eg, a public communication network) (3210).

If the communication channel is connected (3215), the merchant terminal 125 transmits the full text of the approval request to the bansa server 120 through the communication channel (3220), and correspondingly the bansa server 120 Receives 3325 the approval request message transmitted from the affiliated store terminal 125 through the communication channel.

Thereafter, the bansa server 120 reads the card information included in the approval request text to confirm BIN information (3230), reads the checked BIN information, and transmits the specialized relay target server to relay the approval request text. Check (3235).

According to the embodiment shown in FIG. 31, the bansa server 120 reads the BIN information of the use card of the charge / use card to check the card issuer server 110 as the specialized relay target server. desirable.

If the specialized relay target server to relay the approval request message is confirmed (3240), the bansa server 120 relays the approval result message to the identified professional relay target server (3245).

33 is a view showing a transaction process through the use card of the charge / use card according to another embodiment of the present invention.

In more detail, FIG. 33 shows a card issuer on a charge synchronization based charge / use card transaction system shown in FIG. 25 through a transaction request process between the affiliated store terminal 125 and the bansa server 120 shown in FIG. When the server 110 receives the full authorization request message including card information corresponding to the use card of the charge / use card, the card issuer server 110 charges the charge / use card through the charge card of the charge / use card. A process of processing a transaction approval for a transaction amount requested through a use card of the charge / use card based on an amount, and a person having ordinary knowledge in the technical field to which the present invention pertains, refer to FIG. 33. And / or may be modified to infer various implementation methods for the transaction process through the use card of the recharge / use card, but the present invention is in all implementations inferred It is made, including the law, the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 33, a transaction is made between the affiliated store terminal 125 and the bansa server 120 shown in FIG. 32 through a charge / use card manufacturing system shown in FIG. The full text of the request for approval including the card information corresponding to the use card of the charge / use card in which the charge is charged through the charge / use card charging system shown in FIG. 18 or 22 is shown in FIG. When the card issuer server 110 is received on the recharge / use card transaction system, the card issuer server 110 receives the use card of the charge / use card from the bansa server 120 through a communication network. Receive the authorization request message containing the card information corresponding to the (3300), and reads the card information contained in the authorization request message to the charge / company of the BIN information assigned to the card issuer The usage card information including the associated BIN information is checked (3305).

If the use card information including the BIN information associated with the allocation of the charge / use card to the use card of the BIN information assigned to the card issuer by reading the card information included in the authorization request full message is not confirmed ( 3310), the card issuer server 110 generates the full text of the authorization result including the transaction error information and transmits it to the bansa server 120 (3315), and the bansa server 120 is connected to the affiliated store terminal 125. The full text of the approval result is transmitted to the affiliated store terminal 125 through the connected communication channel (3330).

On the other hand, when the card information including the BIN information associated with the allocation of the card used in the charge / use card among the BIN information assigned to the card issuer by reading the card information included in the full approval request is confirmed (3310) The card issuer server 110 checks whether the use card of the charge / use card is activated in association with the storage medium 3170 (3335).

If the use card of the charge / use card is not activated (3340), the card issuer server 110 generates a full text of the authorization result including transaction error information and transmits it to the bansa server 120 (3315). The bansa server 120 transmits the full text of the approval result to the affiliated store terminal 125 through a communication channel connected to the affiliated store terminal 125 and outputs the result 3332.

On the other hand, if the use card of the charge / use card is activated (3340), the card issuing server 110 in connection with the storage medium (3170) charge card information and the charge card associated with the use card information Check the charging amount information charged through the (3345).

If the charge card information associated with the use card information and the charge amount information charged through the charge card are not confirmed (3350), the card issuer server 110 generates a full text of an approval result including transaction error information. The Bansa server 120 transmits the result to the bansa server 120 (3315), and transmits the full text of the approval result to the affiliated store terminal 125 through the communication channel connected to the affiliated store terminal 125 (3330). .

On the other hand, when the charge card information associated with the use card information and the charge amount information charged through the charge card is confirmed (3350), the card issuer server 110 is charged through the charge card of the charge / use card The transaction approval for the transaction amount (= transaction amount included in the authorization request text) using the use card of the charge / use card is processed through the charge amount information (3355).

If a transaction for the transaction amount is not approved through the use card of the charge / use card (3360), the card issuer server 110 generates a full text of an authorization result including transaction error information to the bansa server 120. In operation 3315, the bansa server 120 transmits the full text of the approval result to the affiliated store terminal 125 through the communication channel connected to the affiliated store terminal 125 and outputs the generated certificate result (3330).

On the other hand, if a transaction for the transaction amount is approved through the use card of the charge / use card (3360), the card issuer server 110 links the charge / use card with the storage medium 3170. Subtract the transaction amount authorized through the use card of the charge / use card from the charge amount charged through the 3365, and generate the full text of the approval result including the transaction approval information corresponding to the transaction approval process to generate the full text of the bansa server. In operation 3370, the bansa server 120 transmits the full text of an approval result to the affiliated store terminal 125 through a communication channel connected with the affiliated store terminal 125, and outputs the result 3330.

34 is a diagram illustrating a domestic card-type slip purchase process for a use card transaction of a charge / use card according to an embodiment of the present invention.

In more detail, FIG. 34 illustrates that the transaction through the use / use card of the charge / use card is processed through the use / use card of the charge / use card shown in FIG. As shown in the process of purchasing the slip for the use card transaction in the card issuer server 110 on the charge / use card transaction system, if the person having ordinary knowledge in the technical field to which the present invention belongs, By referring to and / or modified to infer various implementation methods for the domestic card-type voucher purchase process for the use card transaction of the charge / use card, the present invention comprises all the inferred implementation methods, The technical features are not limited only to the implementation method shown in FIG.

For example, in FIG. 34, the card issuing server 110 that processes the transaction process through the use card of the charge / use card shown in FIG. 33 is described as performing the purchase purchase confirmation and request process. The present invention is not limited by the present invention, and it is possible to perform a check purchase request and request process on the bansa server 120 provided with the full approval result according to the intention of the person skilled in the art, and the present invention provides the bansa server 120 Is clearly included in the process of confirming and requesting the purchase of the document.

Referring to FIG. 34, after the transaction through the use card of the charge / use card is processed through the transaction process through the use card of the charge / use card shown in FIG. 33, the card issuer server 110 performs the charging. Check whether the purchase of the slip for the transaction approval through the use card of the use card is performed (3400).

If the purchase of the slip for the transaction approval through the use card of the charge / use card is confirmed (3405), the card issuer server 110 performs a transaction process through the use card of the charge / use card shown in FIG. On the basis of the transaction history generated in step S3410, the document purchase information for the transaction approval through the use card of the charge / use card is generated.

Thereafter, the card issuer server 110 purchases a slip for a transaction approval through a use card of the charge / use card based on the slip purchase information according to a preset slip purchase procedure (3415).

If the document corresponding to the transaction approval through the use card of the charge / use card is purchased according to the affiliated document purchase procedure (3420), the card issuer server 110 for the use card of the charge / use card The result of the document purchase is stored (3425).

35 is a view illustrating a synchronization process of a charge amount between a card issuer and a charging affiliate company according to another exemplary embodiment of the present invention.

In more detail, in FIG. 35, a transaction is approved through the use card of the charge / use card through a transaction process using the charge / use card shown in FIG. 33, and the use of the approved charge / use card is approved. When the approved amount is subtracted from the charge amount charged through the charge card associated with the card, the card issuer server 110 shown in the charge synchronization based charge / use card transaction system shown in FIG. The process of synchronizing the charge amount changed by payment / financial transaction through the use card / use card to the charge affiliate server 115 shown in FIG. 18 or FIG. 22, which is commonly used in the art. Those skilled in the art can refer to and / or modify this drawing 35 to implement various methods for synchronizing the amount of charge between the card issuer and the charging partner. For example, some steps may be omitted, or the order of implementation may be changed). However, the present invention includes all the implementation methods inferred above, and the technical features may be modified only by the implementation method shown in FIG. It is not limited.

Referring to FIG. 35, a transaction is approved through a use card of the charge / use card through a transaction process using a charge / use card shown in FIG. 33, and a use card of the approved charge / use card is used. When the approved amount is subtracted from the charge amount charged through the charge card associated with the card issuer server 110, the card issuer server 110 synchronizes with the use card of the charge / use card in association with the storage medium 3170. Check the charge card information, and check the charge amount associated with the confirmed synchronization target charge card information, the charge amount is subtracted the approved amount (3500).

If the synchronization target charge card information and the charge amount information is confirmed (3505), the card issuer server 110 charges the identified synchronization target charge card information and the charge amount information shown in FIG. 18 or 22. The affiliate server 115 transmits the synchronization to the affiliate server 115 (3510), and the charge amount synchronization process is repeated until all of the charge amount is exhausted through the charge card of the charge / use card (3515).

According to the exemplary embodiment of the present invention, the synchronization target charge card information and the charge amount information transmitted to the charging affiliate server include the same information configuration as that of the storage medium 3170 and the storage medium 3170 provided in the charging affiliate server. Preferably stored.

According to the present invention, a recharge / use card made by linking a use card for payment / financial transaction and a charge card for recharging the payment amount for payment / finance transaction approval for the use card is produced and sold to a customer. (Or payment), and after charging a predetermined amount through the recharge card, by processing the payment / financial transactions through the use card through the charged amount, the problem of the conventional prepaid card and credit card This has the advantage.

According to the present invention, a recharge / use card made by linking a use card for payment / financial transaction and a charge card for recharging the payment amount for payment / finance transaction approval for the use card is produced and sold to a customer ( Or payment), and a predetermined amount is charged through the recharge card, and the payment amount / financial transaction through the use card is processed through the charged amount, thereby charging the amount through the recharge card without limitation of time / region. There is an advantage to provide a payment / financial transaction using the charge amount through the use card. For example, if the parent of the recharge / use card is charged with a charge card, and the child has a use card, the parent can charge the charge amount through the charge card, the child is the use Through the card, the charged amount charged by the parent can be used anywhere in Korea.

Claims

The recharge / use card transaction is performed by a card issuer that issues a recharge / use card made by linking a use card for payment / financial transaction and a charge card for recharging the payment amount for payment / finance transaction approval for the use card. In the method of processing,

Storing used card BIN information of the charge / use card in Bansa card company BIN D / B;

When the Bansa server receives the authorization request message transmitted from the merchant terminal (or server) and relays the authorization request message to the card issuer server through the card company BIN D / B, the card information is transacted with the card information from the Bansa server. Receiving a full text of the approval request including the amount information;

The card information included in the authorization request text is read to use card information including BIN information assigned to the use card, charge card information associated with the use card information, and charge amount information charged through the charge card. Confirming;

Processing the approval of the transaction amount included in the approval request text through the charge amount information;

Transmitting the full text of an approval result corresponding to the approval process to the bansa server; And

After a certain period of time after the approval processing, the process of purchasing a document for the amount of the approved credit card transaction approved through the charge amount charged through the charge card; Treatment method.

The method of claim 1,

When issuing the charge / use card, deactivating the charge function of the charge card and the use function of the use card, and storing the deactivated charge card information and the use card information in a storage medium in association; And

Activating the charging function of the charging card and the using function of the use card when the charge amount is charged through the charging card at the card issuer, and storing the charging card information and the charging amount information in a storage medium in association with the charging card information. Charge / use card transaction processing method characterized in that it further comprises.

The method of claim 1,

When issuing the charge / use card, deactivates the charge function of the charge card and the use function of the use card, and stores the deactivated charge card information, the use card information, and the charge amount information with the charge amount set to '0'. Storing in a medium;

Receiving charge card information and charge amount information from the charge affiliate server when charging a charge amount through the charge card in a charge affiliated with the card issuer;

Activating a charging function of the charging card and a using function of the use card, and storing the charged amount information in a storage medium in synchronization with the received charged amount information. How to process a transaction.

The method of claim 1,

When the authorization processing for the transaction amount through the use card, the charge / use card transaction processing further comprises the step of subtracting the amount approved through the use card from the charge amount charged through the charge card Way.

The method of claim 1,

When the charge amount is charged through the charging partner, when the transaction processing through the use card is approved, the amount charged through the use card of the charge / use card is subtracted from the charge amount charged through the charge card. Charging / use card transaction processing method further comprising the step of synchronizing with the charging affiliate.

The method of claim 1, wherein the charge / use card,

Charge / use detachable card provided on a separate card medium with a use card for payment / financial transaction, and a charge card for charging the payment / finance transaction approval for the use card; or

The use card for payment / financial transaction and the charge card for charging the payment amount for the payment / finance transaction approval for the use card include any one of the charge / use integrated cards provided in one card medium. How to process recharge / use card transactions.

The method of claim 6, wherein the charge / use integrated card,

The card information of the use card is recorded in the IC chip, and the charge card information is recorded in the MS of a single card medium provided with the IC chip, or

The card information of the use card is recorded in the MS, and the charge card information is recorded in the IC chip of a single card medium provided with the MS, or

The card information of the use card is recorded in track 2 of the MS, and the charge card information is recorded in track 3 of the MS,

The card information and the charge card information of the use card is recorded on the IC chip (or MS) including the same card number, characterized in that the charge / use card transaction processing method.

A computer-readable recording medium having recorded thereon a program for executing the method of any one of claims 1 to 5.

The recharge / use card transaction is performed by a card issuer that issues a recharge / use card made by linking a use card for payment / financial transaction and a charge card for recharging the payment amount for payment / finance transaction approval for the use card. In a system that processes

When the Bansa server receives the authorization request message transmitted from the merchant terminal (or server) and relays the authorization request message to the card issuer server, the authorization request message including the card information and transaction amount information from the Bansa server. Specialized receiving means for receiving;

Information checking means for reading the card information included in the approval request text and confirming the charge card information associated with the use card information including the BIN information assigned to the use card and the charge amount information charged through the charge card;

Transaction approval processing means for processing the approval of the transaction amount included in the approval request text through the charge amount information;

Full-text transmission means for transmitting the full text of the approval result corresponding to the approval process to the bansa server; And

After a certain period of time after the approval process, a purchase purchase processing means for processing the purchase of the document for the approved amount of the credit card transaction approved through the charge amount charged through the charge card; Card transaction processing system.

The method of claim 9,

Information storage means for deactivating the charging function of the charging card and the using function of the using card when issuing the charge / use card, and storing the deactivated charging card information and the use card information in a storage medium; And

When the card issuer charges the charge amount through the charge card, the charge / use function of activating the charge function of the charge card and the use function of the use card, and storing the charge card information and the charge amount information in a storage medium in association with the charge card information Charge / use card transaction processing system, characterized in that further comprises a card charging means.

The method of claim 9,

When issuing the charge / use card, deactivates the charge function of the charge card and the use function of the use card, and stores the deactivated charge card information, the use card information, and the charge amount information with the charge amount set to '0'. Information storage means for storing in a medium;

Charge / use card charging means for receiving charge card information and charge amount information from the charge affiliate server when charging a charge amount through the charge card in a charge affiliated with the card issuer;

Charge recharging means for activating the charging function of the charge card and the use of the use card, and storing the charge amount information in the storage medium in synchronization with the received charge amount information; / Use card transaction processing system.

The method of claim 9, wherein the transaction approval processing means,

The charge / use card transaction processing system, characterized in that when the authorization processing for the transaction amount through the use card, the amount authorized through the use card is subtracted from the charge amount charged through the charge card.

The method of claim 9,

When the charge amount is charged through the charging partner, when the transaction processing through the use card is approved, the amount charged through the use card of the charge / use card is subtracted from the charge amount charged through the charge card. Charge / use card transaction processing system, characterized in that further comprises a synchronization means for synchronizing with the charging affiliate.