KR20100057152A - System and method for calculation of charging/using card and recording medium - Google Patents

System and method for calculation of charging/using card and recording medium Download PDF

Info

Publication number
KR20100057152A
KR20100057152A KR1020080116042A KR20080116042A KR20100057152A KR 20100057152 A KR20100057152 A KR 20100057152A KR 1020080116042 A KR1020080116042 A KR 1020080116042A KR 20080116042 A KR20080116042 A KR 20080116042A KR 20100057152 A KR20100057152 A KR 20100057152A
Authority
KR
South Korea
Prior art keywords
card
charge
information
transaction
use card
Prior art date
Application number
KR1020080116042A
Other languages
Korean (ko)
Inventor
이장혁
Original Assignee
한국정보통신주식회사
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by 한국정보통신주식회사 filed Critical 한국정보통신주식회사
Priority to KR1020080116042A priority Critical patent/KR20100057152A/en
Publication of KR20100057152A publication Critical patent/KR20100057152A/en

Links

Images

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G06Q20/209—Specified transaction journal output feature, e.g. printed receipt or voice output
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/28—Pre-payment schemes, e.g. "pay before"
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/349—Rechargeable cards
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Finance (AREA)
  • Computer Security & Cryptography (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

PURPOSE: A charge/use card accounting method and a system thereof and a recording medium therefore for mutually interconnecting a charge card are provided to settle the amount of money used through the use card for the payment clearance from the charged amount charged through the charge card. CONSTITUTION: A server confirms that the charge card information is matched with use cards(840). The card information is matched with the charge card information(845). The server activates the charge function of the charge card information and the use function of the use card which is in associated with the charge card. The server annexes the charging money information included in the electric charging request information to the charging money information(860).

Description

System and Method for calculation 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.

8A and 8B illustrate 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 settlement system according to an embodiment of the present invention.

19 is a diagram illustrating a charging / using card settlement process according to an embodiment of the present invention.

<Description of main parts of drawing>

100: card production server 105: charge / use settlement server

110: charge / use card charging server 115: card issuer server

120: charging affiliate server 125: financial company server

130: Bansa server 135: merchant terminal

140: client terminal 145: 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 of processing a charge amount and a transaction amount for a use card, wherein the charge function of the charge card and the use function of the use card are deactivated, and the deactivated charge card information and the use card information are stored in a storage medium in association. And the charging function of the charge card and the use card of the use card when the charge processing is requested through the charge card from the charge terminal provided at the charge / use card retailer (or an affiliated store). And storing the information on the charge amount in association with the charge amount information, and opened in a financial company server to operate the charge / use card. Calculating the amount of the recharge with a fund management account; when the transaction is approved through the use card of the charge / use card, checking the transaction amount information and the account information for settlement of the merchant / terminal through the use card; Confirming the settlement amount information to be settled to the account to be settled from the transaction amount; and when purchasing a document for the transaction amount, the fund management account as a withdrawal account, and the settlement amount as a transfer amount; Recharge / use card settlement request information including the account transfer request information configuration for each financial company using the target account as a deposit account, and transmit to the financial company server to charge the transaction amount through the charge card charged through the charge card It relates to a payment / use card settlement method comprising the step of processing to be settled from the amount of money.

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 approval request message 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 inhabitants, the creditors and foreigners residing in Korea can receive a prepaid card, but in the case of the prepaid card, the prepaid card can process payment through a conventional merchant terminal. This is not assigned, the payment using the prepaid card includes a problem that can be processed only through a dedicated card terminal that can recognize 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 amount and transaction amount for the charge / use card issued by the issuing card issuer, the charge function of the charge card and the use of the use card is deactivated, and the deactivated charge card information and use Information storing means for storing the card information in association with the card information, and the charging function and the use card of the charging card when the charging process requested through the charging card from the charging terminal provided in the charge / use card store (or affiliated stores) Charge / use card charging to activate the use of the function, and to store in the storage medium in association with the charge card information and the charge amount information Means, and a payment settlement means for calculating the amount of the charge with a fund management account opened in a financial institution server for operating the charge / use card; and when the transaction is approved through the use card of the charge / use card, the use card. Settlement target confirmation means for confirming the transaction value information and the account information of the settlement target for the merchant / terminal through; and the settlement amount confirmation means for confirming the settlement amount information to be settled to the account to be settled from the transaction amount and the transaction amount Repurchase / use card settlement request, which includes the account transfer request information for each financial company, which includes the fund management account as a withdrawal account, the settlement amount as a transfer amount, and the settlement target account as a deposit account. Generates information and sends it to the financial company server to fill the transaction amount through the use card through the charge card A is the charge / settlement card using a system including a settlement processing means to provide for handling such settlement from charge amount.

Recharge / use card settlement method according to the invention, the charge / use card made in connection with the payment card for the payment / financial transaction and the charge card for charging the payment / financial transaction authorization for the use card In the method of processing the charge amount and transaction amount for the charge / use card at the issuing card issuer, the charge function of the charge card and the use of the use card is deactivated, and the deactivated charge card information and use Storing the information on the storage medium in association with the card information, and using the charging function of the charging card and the use card in the charging process requested through the charging card from the charging terminal provided at the charging / use card retailer (or affiliated store); Activating a function and storing the charge card information and the charge amount information in a storage medium in association with the charge card information; Calculating the amount of the charge with a fund management account opened in a financial institution server; and when the transaction is approved through the use card of the charge / use card, the settlement amount information and the merchant / terminal for the use of the use card Checking the account information, checking the settlement amount information to be settled from the transaction amount to the account to be settled, and purchasing the document for the transaction amount, making the fund management account a withdrawal account; Generate a charge / use card settlement request information including a transfer payment request information for each financial company that uses the transfer target account as a deposit account and transmits the charge / use card settlement request information to the financial company server to store the transaction amount through the use card. It comprises the step of processing to be settled from the charge amount charged through the charge card It is characterized by.

The method may further include generating document purchase information including the use card information, the transaction amount information, the affiliate store / terminal information and the document serial number corresponding to the transaction through the use card, and the purchase price information for the transaction amount. Characterized in that it further comprises the step of purchasing the document.

The method may further include storing the credit card information, the transaction amount information, and the settlement target account information in the charge / use settlement D / B.

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 characterized by recording a program for executing the above-mentioned method of settlement / use of a card.

The charge / use card settlement system according to the present invention comprises a charge / use card made by linking 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. In a system in which the issuing card issuer processes the recharge amount and transaction amount for the recharge / use card, the recharge function of the recharge card and the use function of the use card are deactivated, and the deactivated recharge card information is used. Information storing means for storing the card information in association with the card information, and the charging function and the use card of the charging card when the charging process requested through the charging card from the charging terminal provided in the charge / use card store (or affiliated stores) Charge / use card charging to activate the use of the function, and to store in the storage medium in association with the charge card information and the charge amount information However, a payment settlement means for calculating the recharge amount to a fund management account opened in a financial institution server to operate the recharge / use card, and upon approval of the transaction through the use card of the recharge / use card, Settlement target confirmation means for confirming the transaction value information and the account information of the settlement target for the merchant / terminal, and the settlement amount confirmation means for confirming the settlement amount information to be settled to the settlement target account from the transaction amount and the transaction amount Recharge / use card settlement request information, which includes a bank transfer request information structure for each financial company, wherein the fund management account is a withdrawal account, the settlement amount is a transfer amount, and the settlement target account is a deposit account. Generate and transfer to the financial institution server to charge the transaction amount through the charge card through the charge card And settlement means for processing to be settled from the charged amount.

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 a system that is commonly provided in the art to which the present invention belongs The functional configuration is omitted as much as possible, and will be mainly described for the functional configuration to be additionally provided for the present invention. If those skilled in the art to which the present invention pertains, it will be able to easily understand the function of the components that are conventionally used among the omitted functional configuration not shown below, and also the configuration omitted as described above The relationship between the elements and the components added for the present invention will also be clearly understood.

In addition, the following examples will be used to appropriately modify, 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 110 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 The charge / use card through the card issuer server 115 and the charge / use card charge server 110 that process payment / financing transactions through the use card of the charge / use card through the charge amount charged through the charge / use card. It is characterized in that it comprises a charge / use settlement server 105 for processing the charge amount charged in the account and the transaction amount used through the card issuing server 115, the charge / use of the card Merchant terminal 135 (or merchant server) for providing a payment / financial transactions through the credit card, characterized in that it further comprises a bansa server (130).

According to another embodiment of the present invention, the charge / use card charging server 110 may be implemented in the form of a charging affiliate server 120 provided in a separate charging affiliate affiliated with the card issuer, in which case the charging Affiliate server 120 is characterized in that the card issuer server 115 and the charge amount is synchronized.

Here, the affiliated store terminal 135, at least a CAT (Credit Authorization Terminal) equipped with a merchant, or a POS (Point Of Sales) terminal equipped with a payment function for the payment transaction 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.

According to an embodiment of the present invention, the affiliated store terminal 135 reads card information from the use card through a card reader for payment / financial transaction through the use card of the charge / use card, and the card information and It is preferable to generate an authorization request message including transaction information (eg, transaction amount information, merchant information (or charge / use card use target terminal information)) and transmit the same to the bansa server 130.

In addition, the merchant server is a generic term for a web server that provides payment / financial transactions through a use card of the charge / use card on a communication network, and includes a shopping mall server, a paid content providing server, and a shopping mall server (or a content providing server). It is preferable to include one or more payment agent server, home shopping server, non-face-to-face banking server and the like associated with.

According to an exemplary embodiment of the present invention, the affiliated store server may use card information and transaction information corresponding to the use card of the charge / use card according to the online payment protocol for payment / financial transaction through the use card of the charge / use card. For example, it is preferable to process the authorization request message including transaction value information and merchant information (or charging / use card use terminal information) to be transmitted to the card issuer server 115.

The bansa server 130 may include a public switched telephone network (PSTN), an intelligent network, an xDSL-based wired communication network, a code division multiple access (CDMA) / wide-CDMA (WCDMA) -based mobile communication network, and high-speed HSDPA. Downlink Packet Access) based wireless network, IEEE 802.16x-based portable Internet and the like through a public communication network including at least one of the merchant terminal 135 provided in the affiliated store and the communication channel, x.25 based communication network, encryption / It is characterized in that the affiliated store terminal (135) and the professional relay target server by connecting a communication channel with at least one professional 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 130 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 115.

According to another embodiment of the present invention, when the use card of the charge / use card is not recognized, the bansa server 130 recognizes the use card of the charge / use card as an overseas card and slips the full approval request. To the purchaser, in this case, the purchaser of the slip delivers the full text of the approval request to the card brand assigned to the BIN of the use card, the card brand transmits the full text of the approval request to the card issuer server 115 It will be apparent that the charge / use card transaction according to the present invention can be carried out including an implementation method in which the use card of the charge / use card is recognized as an overseas card.

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 110 provided at the card issuer is charged / used through the charge terminal 145 provided at the charge / use card retailer (or affiliated store) or the client terminal 140 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 operating 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 115 provided at 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 110. 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.

The charge / use settlement server 105 provided at the card issuer is configured to charge the card issuer server from the charge amount charged using the charge card of the charge / use card through the charge / use card charge server 110. A generic term for the server (or device) that processes the transaction amount used using the use card of the charge / use card through 115, wherein the charge / use settlement server 105 charges the charge / use card. Use of the charge / use card from the charge amount charged through the charge card of the charge / use card in association with the financial institution server 125 managing the fund management account of the card issuer in which the charge amount charged through the card is deposited. Settle the transaction amount used through the card.

According to an embodiment of the present invention, the charge amount charged using the charge card of the charge / use card through the charge / use card charge server 110 is the name of the card issuer provided in the financial company server 125. It is preferable to be deposited in the fund management account of the transaction, and the transaction amount used through the card issuer server 115 is withdrawn from the fund management account which deposits the charged amount charged using the charge card of the charge / use card. It is preferable to be transferred to a settlement target account corresponding to a merchant account corresponding to the affiliated store terminal 135 (or a merchant server) (or a terminal operating institution account that operates the charging / use card use target terminal) and is processed.

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 / finance 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 staff terminal 250 and the card production server 100 The communication network connecting the employee terminal 250 and the card production server 100 preferably comprises a communication network for connecting the communication channel.

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 And / or at least one or more programs recorded on a recording medium provided in a predetermined server (or device). Shall 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 to be input (or selected) and transmitted, and the BIN information allocated to the card issuer based on the received card making information. Credit card information for payment / financial transactions, including BIN information associated with allocation to the credit card / credit card, and payment 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 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 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).

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; It includes one or more periods of validity, charge attribute codes (e.g. one-time charge attributes, repeated charge attributes, charging channel attributes corresponding to each charging method) and charge card activation / deactivation information. It characterized in that for generating a charge 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 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.

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.

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 card manufacturing unit 220 is a card making apparatus 235 It is preferable to produce the use card and charge card constituting the charge / use removable card by recording the use card information and the charge card information on each MS card or IC card through each of the different card media through .

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 production 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 illustrated, 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. Includes all the inferred implementation methods and is not limited to the implementation method illustrated 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).

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. 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.

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 charge card number includes information for setting a serial number area among card numbers to be assigned to the charge card corresponding to the charge card number system, and the serial number of the charge 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.

Thereafter, the server, based on the received card making information, among the BIN information assigned 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 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.

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 145 provided at the merchant, and when charging the charge amount, the charge card charged with the charge amount, and activate the use card associated with the charge card, 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. 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. Becomes fish, it shall not be limited to the technical features that only the exemplary method shown in the figure 4.

Referring to FIG. 4, the charge / use card charging system may be charged through a charging terminal 145 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 145 provided in the, and when charging the charge amount, and activates the charge card and the use card associated with the charge amount charged the charge amount, the charge amount information Charge / use card charging server 110 to be stored in the storage medium 470 in association with the charging card information and the charging terminal 145 and the charge / use card charging server 110 is relayed in the communication network It characterized in that it comprises a bansa server 130.

In FIG. 4, the charge / use card charging server 110 is illustrated as one server for convenience, but this is an exemplary method for efficiently describing the technical features of the charge / use card charging server 110 in the present invention. Only, it will be apparent that the charge / use card charging server 110 may be implemented in a system form 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 charge / use card charging system.

In addition, in FIG. 4, the bansa server 130 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 130 in the present invention. According to the charging / use card charging system implementation method, it is apparent that the bansa server 130 may be implemented in the form of a system consisting of a plurality of servers for each functional component.

The charging terminal 145 is a CAT provided at a charge / use card store (or affiliated store) that sells (or pays) a charge / use card produced through the charge / use card manufacturing system shown in FIG. (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 145 includes at least one card reader for charging a charged amount, and reads card information from a charging 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 130 through.

The bansa server 130 may include a public switched telephone network (PSTN), an intelligent network, an xDSL-based wired communication 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 145 provided in the charging / using card retailer (or affiliated store) through a public communication network including at least one of a downlink packet access (WLAN) based wireless network, an IEEE 802.16x based portable Internet, and the like, The charging terminal 145 and the charging / use card charging server by connecting a communication channel with the charging / use card charging server 110 through a dedicated communication network including at least one x.25 based communication network and an encryption / decryption-based communication network. It characterized in that the relay 110 is connected.

According to the method of the present invention, the bansa server 130 receives the full charge / use card charge request encrypted with the bansa encryption key from the charging terminal 145, 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 full charge / use card charge request server 110 to which the full charge / use card charge request message is transmitted (110). ), 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 checked charge / use card charging server 110 and transmitted to the charge / use card charging server 110. It is preferable.

The charge / use card charging server 110 may produce the charge / use card through the charge / use card manufacturing system illustrated in FIG. 2 and sell the charge / use card to a customer through a charge / use card store (or affiliated 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 130, and the confirmed The charge / use card is characterized by charging the charge amount.

According to the embodiment of the present invention, the charge / use card charging server 110 is a full charge / use card charge request message (or the card) encrypted with the encryption key of the charge / use card charge server 110 from the bansa server 130. 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 145, the bansa server 130 and the charge / use card charging server 110 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 130 is an interface for connecting and managing a communication channel with a charging terminal 145 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 checking unit 415 for checking the charging / using card charging server 110 to relay card data (or charging / using card charging request information) by relaying the card information by reading card information; And the information transmitter 420 for transmitting the full charge / use card charge request message (or charge / use card charge request information) to the use / charge card charge server 110, and the charge / use card charge server 110 from the charge / use card charge server 110. Charge / Use Car 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 145.

The interface unit 400 stores the charge / use card store through a communication protocol corresponding to a communication network connecting the bansa server 130 and the charging terminal 145 provided at the charge / use card store (or affiliated store). Or a charging terminal 145 provided at an affiliated store) and a communication channel for full-text transmission / reception related to charging, and maintain and manage the communication channel until the full-text transmission / reception is completed.

In the charging terminal 145 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 145 is received.

If the charge / use card charge request message is encrypted and transmitted from the charging terminal 145 through the Bansa encryption key, the expert 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 110 to be relayed and transmitted.

When the charge / use card charge server 110 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) is charged through the communication channel connected between the bansa server 130 and the charge / use card charge server 110. Characterized in that the transmission to the charging server (110).

Thereafter, the charge / use card charging server 110 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 receiving unit 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 110 through the communication channel.

When the charge / use card charging server 110 receives the charge / use card charging result information (or full charge / use card charging result), 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 is transmitted to the charging terminal 145 through the communication channel, wherein the interface unit 400 is the full charge / use card charging results Preferably, the process of verifying that the data is transmitted to the charging terminal 145 is preferably performed.

According to the present invention, the charge / use card charging server 110 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 110 includes a communication unit 430 for connecting and managing a communication channel with the bansa server 130 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 130 in connection with the bansa server, 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. ( Is a 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 (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 130, 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 / receives a charge-related full text message (or information) with the bansa server 130 through a communication protocol corresponding to a communication network connecting the charge / use card charging server 110 and the bansa server 130. It is characterized by connecting the communication channel.

When the bansa server 130 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 connected 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 130 through an encryption key of the card company server, the receiving unit 435 encrypts the encryption. It is preferable to decrypt the full charge / use card charge request message (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 of 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 charging 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 130 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 Correspondingly, the charge amount paid by the customer is settled from the charge / use card retailer (or affiliated store) to the card issuer operating the charge / use card.

According to the method of the present invention, the charge amount charged through the charge card of the charge / use card financial company to operate the funds of the charge / use card at the card issuer at the charge / use card retailer (or affiliated store) It is preferable that the money is deposited in a fund management account in the name of the card issuer provided in the server 125, and the charge settlement unit 465 is a charging terminal 145 (or provided in the charge / use card store (or affiliated store)) (or Charge / use card retailer (or merchant) communication means) to provide the money management account information, and the charge / use card retailer based on the deposit / withdrawal history of the money management account in connection with the financial company server 125 (Or the amount paid by the customer who purchased (or received) the charge / use card) from the charge / use card's charge card. It is desirable to check.

If it is confirmed that the charge amount charged through the charge card of the charge / use card from the charge / use card retailer (or merchant) to the fund management account of the card issuer, the charge settlement unit 465 Preferably, the storage medium 470 adds the payment settlement confirmation information for the charge amount to the charge amount information stored in association with the charge card information.

Also, the charge settlement unit 465 charges the charge / use card retailer (or affiliated store) the charging fee of the charge / use card retailer (or affiliated store) from the charge amount charged through the charge card of the charge / use card. It is preferable to process the deposit to the account in the name, and when the charge / use card retailer (or affiliated store) deposits the limited amount of the charging fee, the charging fee deposit process may be omitted.

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

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. Full charge / use card charge request is generated in the charging terminal 145 on the transfer to the Bansa server 130, the charge / use card charge request message (or charge / use card charge request information) from the bansa server 130 ) Shows the process of relay transmission to the charge / use card charging server 110, and those of ordinary skill 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 145 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, input the charge amount (500), the full charge / use card charge request including the input card information and charging information and the charge / use card retailer (or affiliated store) information stored in the charging terminal 145 Create 505.

Thereafter, the charging terminal 145 connects the communication channel for professional transmission and reception with the bansa server 130 through the communication network (eg, a public communication network) (510).

If the communication channel is connected (515), the charging terminal 145 transmits the full charge / use card charge request to the bansa server 130 via the communication channel (520), and corresponding to the bansa The server 130 receives the full charge / use card charge request message transmitted from the charging terminal 145 through the communication channel (525).

According to an embodiment of the present invention, when the charge / use card charge request message is encrypted and transmitted from the charging terminal 145 through the encryption key of the bansa, the bansa server 130 uses the encrypted charge / use. It is desirable to decrypt the full card charge request.

Then, the bansa server 130 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 130 may further check the charging information and the charge / use card retailer (or merchant) information contained in the full charge / use card charge request, thereby the present invention This is not limited.

Thereafter, the bansa server 130 reads the checked card information and checks the charge / use card charging server 110 to transmit the full charge / use card charge request message (535).

According to an embodiment of the present invention, the bansa server 130 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 110.

If the charge / use card charging server to relay the full charge / use card charging request is confirmed (540), the bansa server 130 is charged to the confirmed charge / use card charging server 110 / 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).

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

In more detail, when FIG. 6 receives the full charge / use card charge request (or charge / use card charge request information) to the charge / use card charge server 110 through the charge request process shown in FIG. 5, As the charge / use card charging server 110 to charge the charge amount to be used through the use card of the charge / use card through the full charge / use card charge request (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 charging / using card charging server 110 receives the full charging / using card charging request (or charging / using card charging 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 transmitted from the bansa server 130 through an encryption key of the card company server, the charge / use card The usage card charging server 110 may decrypt the encrypted charge / use card charge request message (or charge / use card charge request information).

Thereafter, the charge / use card charging server 110 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 step 605, the confirmed card information is generated through the charge / use card manufacturing system shown in FIG. 2, and the charge card information included in the charge / use card sold (or paid) to a customer. In operation 610, it is matched.

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 110 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 130 (620). In response, the bansa server 130 transmits the full charge / use card charging result including the charging error information to the charging terminal 145 through a communication channel connected to the charging terminal 145 ( 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 110 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 110 generates a charging history including the charging / using card charging result (635).

Thereafter, the charge / use card charging server 110 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 130 (640). In response, the bansa server 130 transmits and outputs the full charge / use card charging result including the charge history to the charging terminal 145 through a communication channel connected to the charging terminal 145 (625). ).

According to the method of the present invention, the charge amount charged through the charge card of the charge / use card financial company to operate the funds of the charge / use card at the card issuer at the charge / use card retailer (or affiliated store) It is preferable to deposit money into a fund management account in the name of the card issuer provided in the server 125.

Accordingly, the charge / use card charging server 110 is linked to the financial company server 125 from the charge / use card retailer (or affiliated store) to the fund management account of the card issuer (for example, the customer has paid). In operation 645, the payment amount or the charge amount of the charge / use card retailer (or the affiliated store) is charged from the charged amount or the charged amount paid by the customer.

According to an embodiment of the present invention, the server provides the fund management account information to the charging terminal 145 (or the charging / use card retailer (or affiliated store) communication means) provided in the charging / use card selling store (or affiliated store). And, in connection with the financial company server 125 based on the charge / withdrawal history for the money management account from the charge / use card retailer (or affiliated stores) charged through the charge card of the charge / use card ( That is, it is desirable to check whether the amount paid by the customer who purchased (or paid) the recharge / use card has been received.

If it is confirmed that the charge amount charged through the charge card of the charge / use card from the charge / use card retailer (or merchant) to the fund management account of the card issuer, the server is the storage medium (470) Preferably, the payment settlement information for the recharge amount is added to the recharge amount information stored in association with the recharge card information.

Also, the charge settlement unit 465 charges the charge / use card retailer (or affiliated store) the charging fee of the charge / use card retailer (or affiliated store) from the charge amount charged through the charge card of the charge / use card. It is preferable to process the deposit to the account in the name, and when the charge / use card retailer (or affiliated store) deposits the limited amount of the charging fee, the charging fee deposit process may be omitted.

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

In more detail, Figure 7 is made through the charging / using card manufacturing system shown in Figure 2 through the client terminal 140 using the charging card included in the charging / using card sold (or paid) to the customer To charge the charge amount by connecting to the charge / use card charging server 110 in a non-face-to-face manner, and when charging the charge amount, and 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 charging / using card charging system is used by a client terminal 140 used by a customer who has purchased (or received) a charging / using card produced through the charging / using card manufacturing system shown in FIG. And, through the charge / use card manufacturing 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, The customer to charge the charge amount using the charge card included in the charge / use card through the client terminal 140, and when charging the charge amount, the charge card and the charge card and Including a charge / use card charging server 110 for activating the associated use card, and stores 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 110 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 110 in the present invention. Only, it will be apparent that the charge / use card charging server 110 may be implemented in a system form 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 charge / use card charging system.

The client terminal 140 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). A mobile communication terminal comprising at least one wired terminal including a desktop computer or a laptop connected to the information registration server through a communication, or connected to a code division multiple access (CDMA) 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 Including at least one or more wireless terminals, or of 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 140 includes card information, charge amount information, and charging means information corresponding to the charge card of the charge / use card from the charge / use card charge server 110. Receives and outputs at least one charge / use card charge interface for inputting (or selecting) charge / use card charge request information, and corresponds to a charge card of the charge / use card through the charge / use card charge interface. A function configuration (for example, a browser) for inputting (or selecting) charging / use card charging request information including card information, charging amount information, and charging means information and transmitting the charging / use card charging server 110 to the charging / use card charging server 110 through a communication network. Program and communication function) is preferably provided.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the client terminal 140 including one or more of the wired terminal or wireless terminal or TV device (not shown). Detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, when the client terminal 140 is a wired terminal, the communication network includes the TCP / IP based wired communication network, and when the client terminal 140 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 110 generates the charge / use card through the charge / use card manufacturing system shown in FIG. 2 to be sold (or paid) to a customer, and the client terminal 140. 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 110 receives charge / use card charging request information encrypted with an encryption key of the charge / use card charging server 110 from the client terminal 140. It is preferable to check the card information and the charging information included in the charge / use card charge request information by decoding.

Those skilled in the art to which the present invention pertains, since the technical features of the client terminal 140 and the charge / use card charging server 110 operating as described above will be familiar with the technical features, Detailed description is omitted for convenience.

According to the present invention, the charge / use card charging server 110 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.

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.

According to an embodiment of the present invention, the charging / use card charging server 110 communicates with the client terminal 140 through the communication network to provide a web interface corresponding to the communication terminal with the client terminal 140. It characterized in that it comprises an interface unit 700 for connecting and managing, whereby the charge / use card charging server 110 is connected to the client terminal 140 and a wired communication network or a wireless communication network It has the function of a web server.

According to an embodiment of the present invention, when the client terminal 140 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 140 with HTTP ( A communication channel is connected based on a Hyper-Text Transfer Protocol protocol, and a charge / use card charging interface in the form of a Hyper-Text Markup Language (HTML) compatible document is transmitted to the client terminal 140 through the communication channel. It is preferable to perform a function of outputting and receiving and processing the charge / use card charge request information input (or selected) through the charge / use card charge interface from the client terminal 140.

According to another exemplary embodiment of the present invention, when the client terminal 140 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 140 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 140 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 140.

According to another exemplary embodiment of the present invention, when the client terminal 140 is a wireless terminal to which a communication channel is connected through an IEEE 802.16x based wireless communication network, the interface unit 700 is connected to the client terminal 140. 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 140 through the communication channel, and is output. 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 140 connects a communication channel through an IEEE 802.11x based wireless communication network. In the case of a wireless terminal, the interface unit 700 corresponds to the client terminal 140 and the IEEE 802.11x standard. Connect a communication channel based on a wireless protocol, and transmit and output a charge / use card charging interface to the client terminal 140 through the communication channel, and from the client terminal 140 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 110 requests a charge / use card charge by connecting a client terminal 140 to the charge / use card charge server 110 through the interface unit 700. When requesting information registration, the client terminal 140 interlocks with the interface unit 700 to charge / use the card including card information corresponding to the charge card of the charge / use card, charge amount information, and charging means information. An interface provider 705 for generating (or extracting) a charge / use card charging interface for inputting (or selecting) request information and transmitting the request information; and the client terminal 140 in association with the interface unit 700. Is provided with an information receiving unit (710) for receiving the charge / use card charge request information to be input (or selected) through the charge / use card charging interface, Characterized in that eojineun.

The interface providing unit 705 has a functional configuration (eg, provided in the client terminal 140 when the client terminal 140 is connected to the charging / using card charging server 110 through the interface unit 700). Charge / use card that can input (or select) charge / use card charge request information to the charge / use card charge server 110 through the communication network in response to a browser program included in the client terminal 140). Create a charging interface, or extract from a database (not shown), and in connection with the interface unit 700, the generated (or extracted) charging / use card charging interface to the client terminal 140 via the communication network. It is characterized by providing.

Thereafter, the client terminal 140 charges / uses the card charging request information including card information, charge amount information, and charging means information corresponding to the charge card of the charges / used card based on the charge / use card charging interface. Is input (or selected), and when it is confirmed that the charge / use card charge request information is input (or selected), the client terminal 140 charges the input / or use card charged through the communication network. The request information is transmitted to the charge / use card charging server 110.

Here, the charging means information, preferably comprises the customer account information and account password and non-face-to-face financial transaction authentication information (for example, account transfer password, security card information, OTP information including one or more) of the customer name. .

Alternatively, the charging means information, it is preferable to include the payment means information including one or more credit card information, check card information, debit card information, cash card information owned by the customer (or issued to the customer). .

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 140 Technical information for inputting (or selecting) charging / use card charging request information including card information, charging amount information, and charging means information corresponding to the above information, and the input (or selection) via a communication protocol provided by the communication network. Since you will be familiar with the technical features of transmitting the charge / use card charging request information to the charge / use card charging server 110, a detailed description thereof will be omitted for convenience.

The information receiver 710 inputs (or selects) charge / use card charge request information from the client terminal 140 through the charge / use card charge interface and transmits the information 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 110 generates the 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 matched with the charge card information included in the charge / use card sold (or paid) to the customer, and the card information with the charge card information included in the charge / use card. If there is a match, a charging processing unit 720 (or charging / using card charging means) for charging the charged / used card with the charged amount, and a history generating unit for generating a charge including the charging / used card charging result ( 725), 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 connection with the communication unit. And an information transmitter 735 for transmitting to the client terminal 140. 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 140 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 Correspondingly, the charge amount paid by the customer is settled by the card issuer operating the charge / use card.

According to the method of the present invention, the charge amount charged through the charge card of the charge / use card is withdrawn from the customer account corresponding to the charging means of the customer to operate the funds of the charge / use card in the card issuer It is preferable that the money is transferred to the fund management account in the name of the card issuer provided in the financial company server 125, or the approved amount of payment from the payment means corresponding to the charging means of the customer is transferred to the money management account. It is preferable that the payment settlement unit 740 checks the charging means of the customer corresponding to the charging means information, and processes the charging amount to be transferred to the card issuer's fund management account through the charging means.

If it is confirmed that the charge amount charged through the charge card of the charge / use card is transferred from the charging means to the card management company of the card issuer, the charge settlement unit 740 to the storage medium 745 Preferably, the payment settlement confirmation information for the charge amount is added to the charge amount information stored in association with the charge card information.

8A and 8B illustrate a charging process of a charge / use card according to another exemplary embodiment of the present invention.

In more detail, FIGS. 8A and 8B are the charge / use shown in FIG. 7 based on the charge / use card manufactured and sold to the customer through the charge / use card manufacturing system shown in FIG. When the client terminal 140 on the card charging system generates charge / use card charge request information and transmits the charge / use card charging server 110 to the charge / use card charging server 110 in a non-face-to-face manner, the charge / use card charging server 110 receives the information. Recharge / use card Charge request information through the charge / use card to charge the amount of charge to be used through the use of the card, the person of ordinary skill in the art to which the present invention belongs, this figure 8a and 8b While referring to and / or modifying the present invention, it is possible to infer various implementation methods for the charge request process of the charge / use card, but the present invention is directed to all implementations inferred from the above. It becomes to include the place, to which the technical feature that is not limited to the exemplary method shown in the figure 8a and figure 8b.

8A and 8B, the charge / use card charging server 110 on the charge / use card charging system shown in FIG. 7 is referred to as " server " for convenience, and the charge / use card charging shown in FIG. The client terminal 140 on the system is referred to as " terminal " for convenience.

8A and 8B, a 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 inputs (or selects) charge / use card charge request information including card information, charge amount information, and charge means information corresponding to a charge card of the charge / use card at the terminal. Generate (or extract) the charge / use card charging interface including a user interface for the (810), and transmits the generated (or extracted) charge / use card charging interface 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 and the charging means information is input (or selected).

Here, the charging means information, preferably comprises the customer account information and account password and non-face-to-face financial transaction authentication information (for example, account transfer password, security card information, OTP information including one or more) of the customer name. .

Alternatively, the charging means information, it is preferable to include the payment means information including one or more credit card information, check card information, debit card information, cash card information owned by the customer (or issued to the customer). .

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. Charge / use card charge request information including information and charging means information is transmitted, and in response, the server receives charge / use card charge request information (z30).

When the charge / use card charge request information is encrypted and transmitted from the client terminal 140 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).

According to the method of the present invention, the charge amount charged through the charge card of the charge / use card is withdrawn from the customer account corresponding to the charging means of the customer to operate the funds of the charge / use card in the card issuer In order to transfer the funds to the funds management account in the name of the card issuer provided in the financial company server 125, or from the payment means corresponding to the charging means of the customer is preferably transferred to the funds management account.

Therefore, the server checks the charging means information (for example, customer account information, or customer payment means information) of the customer included in the full charge request (875), and if the charging means information of the customer is confirmed (880) In connection with the financial company server 125, the settlement amount is transferred to the fund management account of the card issuer through the charging means of the customer (885).

If it is confirmed that the charge amount charged through the charge card of the charge / use card is transferred from the charging means to the fund management account of the card issuer, the server is associated with the charge card information to the storage medium (745) In addition, it is preferable to add and store the payment settlement confirmation information for the charge amount to the stored charge amount information.

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

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 7. A charge / use card transaction system in which an amount of money has been charged, wherein the BIN information assigned to the use card of the charge / use card is registered with bansa and used for payment / financial transaction. 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 135 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 135, 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 135 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 115 operating the charge / use card charged with the charge amount through the charge / use card charging system shown in FIG. 4 or FIG. 7, and the authorization request transmitted from the affiliated store terminal 135. It characterized in that it comprises a bansa server 130 for transmitting the full-length relay to the professional relay target.

In FIG. 9, the bansa server 130 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 130 in the present invention, and the intention and charge / Obviously, the bansa server 130 may be implemented in the form of a system consisting of a plurality of servers for each functional component or in the form of an internal component of the server provided in the bansa. It is to be revealed.

In addition, in FIG. 9, the card issuing server 115 is illustrated as one server for convenience, but this is merely an exemplary method for efficiently describing the technical features of the card issuing server 115 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 115 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 issuer. It is clear that it may be spherical in component form.

The affiliated store terminal 135 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 135 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 charge / use card use terminal information), and document serial number) through an input device, an authorization including the card information, transaction information, and the merchant information The request message is generated and transmitted to the bansa server 130 through a communication network.

The bansa server 130 may include a public switched telephone network (PSTN), an intelligent network, an xDSL-based wired communication network, a code division multiple access (CDMA) / wide-CDMA (WCDMA) -based mobile communication network, and high-speed HSDPA. Downlink Packet Access) based wireless network, IEEE 802.16x-based portable Internet and the like through a public communication network including at least one of the merchant terminal 135 provided in the affiliated store and the communication channel, x.25 based communication network, encryption / It is characterized by relaying the affiliated store terminal 135 and the specialized relay target server by connecting a communication channel with at least one 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 is a card issued by a domestic card company (or financial company), the bansa server 130 receives the approval request text received from the affiliated store terminal 135. 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 130 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 professional relay target server 130 is characterized in that it comprises a card issuer server 115 for operating the charge / use card.

According to an embodiment of the present invention, the bansa server 130 receives the full text of the authorization request encrypted with the bansa encryption key from the merchant terminal 135, decrypts the auth request with the decryption key of the bansa, the decryption Read the Bank Identification Number (BIN) on the card information included in the approved approval request message, and confirm the specialized relay target server to which the approval request message is transmitted, and decrypt the full text of the approval result 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 115 is a server that processes the payment / financial transaction through the use card of the charge / use card in a 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 115 is a server provided to a card company (or financial company) according to an embodiment of the present invention, the card issuing server 115 is provided to the full text of the authorization request received from the bansa server 130. 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 approval request received from the bansa server 130. When the information is a use card of the charge / use card, use card information corresponding to the card information included in the full text of the authorization request 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 method of the present invention, the card issuing server 115 receives the full text of the authentication result encrypted with the encryption key of the card issuing server 115 from the bansa server 130 and decrypts it to be included in the full approval request. 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 115 performs a transaction approval limit amount (eg, credit limit amount) for the charge / use card and a transaction 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 115 checks the transaction approval limit amount (eg, 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 135, the bansa server 130 and the card issuer server 115 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 130 stores the card company BIN D / B in association with the BIN information on the domestic card issued by a domestic card company or a 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 paid) further comprising BIN information corresponding to the use card of the charged / used card, whereby the bansa server 130 requests the approval 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.

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 130 may include an interface unit 900 for connecting and managing a communication channel with an affiliated store terminal 135 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 135 via a communication channel.

The interface unit 900 transmits and receives specialized transaction-related transmission and reception with the affiliated store terminal 135 provided in the affiliated store through a communication protocol corresponding to a communication network connecting the bansa server 130 and the affiliated store terminal 135 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 135 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 use of charge / use card) through a key input device. After inputting the target terminal information), the document serial number), and generating the 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 905 is the interface. In connection with the unit 900, characterized in that for receiving the full text of the approval request from the affiliated store terminal (135).

If the approval request message is encrypted and transmitted from the affiliated store terminal 135 through 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 specialized 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 authorization request is a domestic card, the specialized relay target server preferably includes a card company server or a financial company server 125 that issues 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 115 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 130 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 135, it is preferable that the interface unit 900 further performs a process of verifying that the full text of the approval result is transmitted to the merchant terminal (135).

When the card issuing server 115 is a server provided at a card company (or financial company) according to an embodiment of the present invention, the card issuing server 115 is a payment card issued by the card issuer and the charge / BIN information D / B (not shown) for storing the BIN information on the use card of the use card and card attribute information for each BIN of the card in association with the BIN information D / B (not shown); It is preferable to interoperate with a DBMS or a DB server (not shown) provided with the BIN information D / B (not shown).

Here, the BIN information of the card issued by the card issuer includes the BIN information assigned to the payment card issued by the card issuer and the use card of the charge / use card, among the 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 issuing server 115 links and processes card information, card attribute information, and card limit information corresponding to the card information issued to the customer and the card information issued by the card issuer. DB server provided with a card management D / B 985 for storing or interworking with a DBMS for operating the card management D / B 985, or provided with the card management D / B 985 (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 preferable 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 present invention, the card issuing server 115 has a transaction history D / B (980) 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 980 or to a DB server (not shown) provided with the transaction history D / B 980.

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 985, and preferably includes a card number. The card information includes the card management D / B 985 through the card information. And the transaction history D / B 980 are preferably linked in a relational manner.

The transaction approval date and time may include date and time information of a transaction approval process of the transaction amount through the card in the card issuer server 115.

The transaction approval amount is preferably made by the card issuer server 115 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 of money.

Preferably, the transaction approval information includes a transaction approval number assigned by the card issuer server 115 when the transaction is approved through the card.

Referring to FIG. 9, the card issuer server 115 may include a communication unit 930 for connecting and managing a communication channel with the bansa server 130 through a communication network (for example, a dedicated communication network), and the communication unit 930. A payment unit 935 (or a specialized receiving means) for receiving the full text of the request for approval from the bansa server 130 and the card information included in the received full text of the request for approval 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 the full text of the approval result generated through the communication channel bansa server 130 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 it further comprises a transaction history storage unit 953 to be stored in the transaction history D / B (980).

The communication unit 930 connects the communication channel for transceiving a professional transaction with the bansa server 130 through a communication protocol corresponding to the communication network connecting the card issuer server 115 and the bansa server 130. It features.

When the bansa server 130 transmits the approval request message through the communication channel, the receiving unit 935 is connected to 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 130 through an 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 the card management D / B (985) 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 950 first checks the transaction attribute corresponding to the card information in association with the card management D / B 985 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 950 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 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 the financial company server 125 (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 (eg, credit card transaction attribute), the card transaction approval unit 950 schedules in connection with the transaction history D / B 980. 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 to the bansa server (130).

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 is stored in the transaction history D / B 980.

Referring to FIG. 9, when the card issuing server 115 is identified as a card for use of the charge / use card included in the approval request message received through the receiver 935, the card issuer server 115 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 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, and the charging / use car The settlement target confirmation unit 970 (or settlement target confirmation means) for reading the transaction information and confirming the merchant / terminal information, the settlement target account information, and the document serial number for the transaction approval when the transaction is approved for the use card of the card. And storing in the charge / use settlement D / B 995 by linking the use card information of the charge / use card, the transaction amount information, the confirmed document serial number, the blind point / terminal information, and the account information to be settled. And an information storage unit 973 (or information storage means), wherein the transmission unit 940 transmits the full approval result including the transaction history corresponding to the transaction approval process. It characterized in that the transmission to.

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 990, 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 may further include checking whether the use card information and the charging card information are activated in association with the storage medium 990.

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 charging card in association with the storage medium 990.

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 130 through the communication network, the bansa server 130 is characterized in that for transmitting the full text of the approval result to the affiliated store terminal (135).

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) Is approved, the settlement target confirmation unit 970 reads the merchant information (or charging / use card use target terminal information) of the transaction information included in the full approval request to the merchant / terminal for the transaction approval It is characterized in that the information and the account information to be settled and the document serial number.

According to an embodiment of the present invention, the card issuer (or affiliated company) includes affiliated store / terminal information corresponding to the affiliated store information (or terminal information on charge / use card use) and an affiliated store account associated with the affiliated store / terminal information ( Or merchant D / B (not shown) for storing the linked account information corresponding to the account corresponding to the terminal operating institution operating the charge / use card using the target terminal is provided, the settlement target confirmation unit ( 970) preferably checks merchant / terminal information and settlement target account information for the transaction approval in connection with the merchant D / B (not shown).

When the merchant / terminal information, the settlement target account information, and the document serial number for the transaction approval are confirmed, the information storage unit 973 may use the card information, the transaction amount information of the charge / use card, and the confirmed document serial. The number, affiliated store / terminal information, and the account information to be settled in the charge / use settlement D / B (995) is characterized in that the storage.

Referring to FIG. 9, the card issuing server 115 transmits the full approval result including the transaction approval information to the affiliated store terminal 135 through the bansa server 130 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.

According to the implementation method of the present invention, the ticket purchase information, it is preferable that the transaction card information of the approved charge / use card, transaction value information, merchant / terminal information, one or more of the ticket serial number.

Here, it is preferable that the use card information includes card information included in the full approval request.

The transaction amount information corresponds to transaction amount information included in the transaction information of the authorization request specialist, transaction amount information authorized through the use card of the charge / use card, and transaction approval through the use card of the charge / use card. It is preferably made to include the amount of money information subtracted from the amount of charge of the charge / use card.

The affiliated store / terminal information may include any one of affiliated store information and charge / use card terminal information included in the transaction request information of the authorization request specialist.

The document serial number may include a document number assigned to the full text of the approval request by the affiliated store terminal 135 transmitting the full text of the request for approval, or a document number assigned to the full text of the request for approval by the bansa (or card issuer). It is preferable to make it.

After the full approval result including the transaction approval information is transmitted through the transmission unit 940 to the affiliated store terminal 135 through the bansa server 130, 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 130 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. 9, the card issuing server 115 checks the settlement amount information and fee information from the transaction amount information stored in association with the use card information in the charge / use settlement D / B 995. Charge / use settlement D 975 (or settlement amount checking means) and the confirmed settlement amount information and fee information in connection with the use card information, the document serial number, merchant / terminal information, and the account information to be settled. And an information storage section 973 (or information storage means) to be stored in / B 995.

In response to the transaction approval through the use card of the charge / use card in the charge / use settlement D / B 995, the use card information of the charge / use card, the transaction amount information, the confirmed document serial number, and the affiliated store After the terminal information and the account information to be settled are stored in association, the settlement amount checking unit 975 may charge various fees corresponding to the transaction amount information stored in connection with the use card information in the charge / use settlement D / B 995. The amount of money (eg, issuer preservation fee, bansa fee, etc.) is calculated, and the settlement amount information is confirmed by subtracting the calculated fee amount from the transaction amount.

According to an embodiment of the present invention, the settlement amount confirmation unit 975 generates the purchase information by the slip purchase information generation unit 963 or the purchase purchase information by the slip purchase processing unit 965. It is preferable to check the settlement amount information and the fee information from the transaction amount information after the document corresponding to the item is purchased.

When the settlement amount information and fee information are confirmed by the settlement amount confirmation unit 975 from the transaction amount information, the information storage unit 973 stores the confirmed settlement amount information and the fee information on the use card information and the document series. It is stored in the charge / use settlement D / B (995) in conjunction with the number, merchant / terminal information, account information to be settled, the sum of the settlement amount information and fee information is matched with the transaction amount information It is preferable to be.

FIG. 10 is a diagram illustrating a transaction request process between an affiliated store terminal 135 and a bansa server 130 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 merchant terminal 135 on the charge / use card transaction system shown in FIG. 9 and transmitted to the bansa server 130, the bansa server 130 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 135 and the bansa server 130, the present invention comprises all the inferred implementation method, The technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 10, the merchant terminal 135 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). Enter the amount information, merchant information (or terminal information for charging / use card use), the document serial number) (1000), and includes the card information and transaction information and the merchant information stored in the merchant terminal 135; Generate the full text of the approval request (1005).

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 charge amount through the charge / use card charging system shown in Figure 4 or 7 It is preferable to include the use card of the charged charge / use card.

Thereafter, the affiliated store terminal 135 connects a communication channel for professional transmission and reception with the bansa server 130 through the communication network (eg, a public communication network) (1010).

If the communication channel is connected (1015), the merchant terminal 135 transmits the full text of the approval request to the bansa server 130 through the communication channel (1020), the bansa server 130 correspondingly Receives the approval request message transmitted from the affiliated store terminal 135 through the communication channel (1025).

According to an embodiment of the present invention, if the approval request is transmitted in encrypted form from the affiliated terminal 135 through the bansa encryption key, the bansa server 130 is to decrypt the encrypted approval request full text desirable.

Subsequently, the bansa server 130 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 125 that issues a domestic card corresponding to the card information. Do.

According to the embodiment shown in FIG. 9, the bansa server 130 reads the BIN information of the use card of the charge / use card to check the card issuer server 115 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 130 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 115 according to an exemplary embodiment of the present invention.

In more detail, Figure 11 checks the card issuer server 115 on the charge / use card transaction system shown in Figure 9 as a specialized relay target server through the transaction request process shown in Figure 10 to complete the request for approval. In the case of the relay transmission, the card issuer server 115 reads the BIN of the card information included in the authorization request message, and the card information included in the authorization 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 authorization through the use card of the charge / use card, Those skilled in the art will be able to infer various implementation methods for the transaction processing process of the card issuer server 115 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 115 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 115 receives the full text of the authorization request from the bansa server 130 (1100), reads the BIN of the card information included in the full text of the authorization 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 115 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 115 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 115 is the card information, transaction information and merchants included in the authorization request full text Information is checked (1135), and the card management D / B 985 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 115 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 (eg, a check card transaction attribute or a debit card transaction attribute), the card issuer server 115 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 the financial institution server 125 (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 115 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 115 determines the transaction attribute of the transaction amount included in the authorization request text based on the confirmed transaction approval limit amount. The transaction approval for each star is processed (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 115 schedules in connection with the transaction history D / B 980. 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 issuer server 115 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 115 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 issuer server 115 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 115 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 115 preferably processes the transaction.

If the transaction approval process results in the transaction approval is not confirmed (1155), the card issuer server 115 generates a full text of the authorization result containing the transaction error information and transmits to the bansa server 130 In response thereto, the bansa server 130 transmits and outputs the entire approval result including the transaction error information to the affiliated store terminal 135 through a communication channel connected to the affiliated store terminal 135 (1165). .

On the other hand, if the transaction approval processing result confirms the transaction approval for each transaction attribute (1155), the card issuer server 115 generates a transaction history including the transaction approval result (1170).

Herein, the transaction details 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.

Thereafter, the card issuing server 115 generates an authorization result message including the transaction history and transmits it to the bansa server 130 (1175). In response, the bansa server 130 is a merchant terminal ( 135 transmits and outputs the full text of the approval result including the transaction history to the affiliated store terminal 135 through a communication channel connected to the terminal 135 (1165).

In addition, the card issuer server 115 may include 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 authorization information. / B (980) (1180).

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.

More specifically, FIG. 12 shows the charging / using of the card issuer server 115 on the charge / use card transaction system shown in FIG. 9 through the transaction processing of the card issuer server 115 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 115. 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. Only the exemplary method shown in plane 12 is not limited its technical characteristics.

Referring to Figure 12, through the transaction processing process of the card issuer server 115 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 7 is shown in FIG. When received by the card issuer server 115 on the card transaction system, the card issuer server 115 includes card information corresponding to a use card of the charge / use card from the bansa server 130 through a communication network. Receives a request for approval (1200), reads the card information included in the request for approval and assigns to the use card of the charge / use card among the BIN information assigned to the card issuer. Check the used card information that includes information hyudoen BIN (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 115 generates a full text of an authorization result including transaction error information and transmits it to the bansa server 130 (1215), and the bansa server 130 is connected to the affiliated store terminal 135. The full text of the approval result is transmitted to the affiliated store terminal 135 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 115 checks whether the use card of the charge / use card is activated in association with the storage medium 990.

If the use card of the charge / use card is not activated (1240), the card issuer server 115 generates a full text of the authorization result including the transaction error information and transmits it to the bansa server 130 (1215). The bansa server 130 transmits the full text of the approval result to the affiliated store terminal 135 through the communication channel connected to the affiliated store terminal 135 and outputs the received certificate (1230).

On the other hand, if the use card of the charge / use card is activated (1240), the card issuing server 115 is connected to the storage medium 990 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 are not confirmed (1250), the card issuer server 115 generates a full text of an approval result including transaction error information. The bansa server 130 transmits the result to the bansa server 130 (1215), and the bansa server 130 transmits the full text of the approval result to the affiliated store terminal 135 through the communication channel connected to the affiliated store terminal 135 and outputs it (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 115 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 (1255).

According to the method of the present invention, the card issuer server 115 charges the transaction amount (= transaction amount included in the authorization request text) 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 115 generates a full text of an authorization result including transaction error information to the bansa server 130. In operation 1215, the bansa server 130 transmits the full text of the approval result to the affiliated store terminal 135 through the communication channel connected to the affiliated store terminal 135 and outputs the received certificate (1230).

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 115 connects the charge / use card with the storage medium 990 to the charge card. Subtract the transaction amount approved through the use card of the charge / use card from the charge amount charged through the mobile terminal (1265), and generate the full text of the approval result including the transaction approval information corresponding to the transaction approval process by generating the full text of the bansa server ( 130, the bansa server 130 transmits the full text of the approval result to the affiliated store terminal 135 through the communication channel connected to the affiliated store terminal 135 and outputs the generated certificate (1230).

Subsequently, the card issuer server 115 reads affiliate store information (or charging / use card use target terminal information) of transaction information included in the authorization request message, and stores merchant / terminal information and settlement target account for the transaction approval. Check information and document serial number (1275)

According to an embodiment of the present invention, the card issuer (or affiliated company) includes affiliated store / terminal information corresponding to the affiliated store information (or terminal information on charge / use card use) and an affiliated store account associated with the affiliated store / terminal information ( Or merchant D / B (not shown) for storing the linked account information corresponding to the terminal operating institution account operating the terminal for the charge / use card is preferably provided, the settlement target confirmation unit ( 970) preferably checks merchant / terminal information and settlement target account information for the transaction approval in connection with the merchant D / B (not shown).

When the merchant / terminal information, the settlement target account information, and the document serial number for the transaction approval are confirmed, the information storage unit 973 may use the card information, the transaction amount information of the charge / use card, and the confirmed document serial. The number, affiliated store / terminal information, and account information to be settled are stored in the charge / use settlement D / B 995 in operation 1280.

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.

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. As a process of purchasing a slip for the use card transaction in the card issuer server 115 on the transaction system, a person having ordinary knowledge in the technical field to which the present invention pertains may 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 115 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. However, the present invention is not limited thereto, and according to the intention of the person skilled in the art, it is possible to perform a check purchase and request process on the bansa server 130 provided with the full approval result, and the present invention provides the bansa server 130. It should be made clear that this includes the process of confirming and requesting the purchase of a document.

In addition, in FIG. 13, after the purchase of the slip through the use card of the charge / use card is completed, the settlement amount information and the fee information are checked from the transaction amount corresponding to the use card to the charge / use settlement D / B 995. Although the present invention is illustrated as being stored, the present invention is not limited thereto, and the process of checking the settlement amount information and the fee information and storing the information in the charge / use settlement D / B 995 is illustrated in FIG. It is clear that after the transaction is approved, it can be performed at any time according to the intention of the skilled person.

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 115 returns to the Check whether the purchase of the slip for the transaction approval through the use card of the charge / use card (1300).

According to an embodiment of the present invention, the card issuing server 115 is for a transaction approval through the use card of the charge / use card when a certain 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 115 checks whether the slip is inserted in place of the card issuer server 115 and then uses the card of the charge / use card to the card issuer server 115. It is also possible to request the purchase of a slip for a transaction through the present invention, and the present invention may include a slip purchase request from the bansa server 130.

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 115 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 115 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 115 for the use card of the charge / use card The result of the document purchase is stored (1325).

Thereafter, the card issuing server 115 may provide various fee amounts (eg, issuer preservation fee, bansa fee, etc.) corresponding to the transaction amount information stored in connection with the use card information in the charge / use settlement D / B 995. ), And check the settlement amount information by subtracting the calculated fee amount from the transaction amount (1330), and uses the confirmed settlement amount information and fee information for the use card information, the ticket serial number, and the merchant / terminal information. In connection with the account information of the settlement target, the charge / use settlement is stored in the D / B 995 (1335).

Here, the sum of the settlement amount information and the fee information is preferably matched with the transaction amount information.

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

More specifically, Figure 14 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 4 or Figure 7 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 described with reference to a payment approval request requested from the affiliated store terminal 135 provided in 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 135, 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 135 provided at an affiliated store and a charge / use card manufacturing system shown in FIG. 2 and sold (or paid) to a customer. In addition, the card issuing server 115 operating the charge / use card charged with the charge amount through the charge / use card charging system shown in FIG. 4 or FIG. 7, and the authorization request transmitted from the affiliated store terminal 135. It characterized in that it comprises a bansa server 130 for transmitting the full-length relay to the professional relay target.

In FIG. 14, the bansa server 130 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 130 in the present invention, and the intention and charge of those skilled in the art. / Bansa server 130 may be implemented in the form of a system consisting of a plurality of servers for each functional component, or may be outdated in the form of internal components of the server provided in the bansa depending on the implementation method of the card transaction system. It is obvious.

In addition, although the card issuer server 115 is illustrated as one server in FIG. 14 for convenience, this is merely one implementation method for efficiently describing the technical features of the card issuer server 115 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 115 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 issuer. It is clear that it may be spherical in component form.

The affiliated store terminal 135 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 135 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 charge / use card use terminal information), and document serial number) through an input device, an authorization including the card information, transaction information, and the merchant information The request message is generated and transmitted to the bansa server 130 through a communication network.

The bansa server 130 may include a public switched telephone network (PSTN), an intelligent network, an xDSL-based wired communication network, a code division multiple access (CDMA) / wide-CDMA (WCDMA) -based mobile communication network, and high-speed HSDPA. Downlink Packet Access) based wireless network, IEEE 802.16x-based portable Internet and the like through a public communication network including at least one of the merchant terminal 135 provided in the affiliated store and the communication channel, x.25 based communication network, encryption / It is characterized by relaying the affiliated store terminal 135 and the specialized relay target server by connecting a communication channel with at least one 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 is a card issued by a domestic card company (or financial company), the bansa server 130 receives the approval request text received from the affiliated store terminal 135. 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. 14, the bansa server 130 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 professional relay target server 130 is characterized in that it comprises a card issuer server 115 for operating the charge / use card.

According to an embodiment of the present invention, the bansa server 130 receives the full text of the authorization request encrypted with the bansa encryption key from the merchant terminal 135, decrypts the auth request with the decryption key of the bansa, 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 115 is a server that processes the payment / financial transaction through the use card of the charge / use card in a 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 issuer server 115 is a separate charge / use card issuer operating the charge / use card according to an embodiment of the present invention, the card issuer server 115 is provided from the bansa server 130. 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 method of the present invention, the card issuing server 115 receives the full text of the authentication result encrypted with the encryption key of the card issuing server 115 from the bansa server 130 and decrypts it to be included in the full approval request. It is desirable to check the card information, transaction information and merchant information.

Those skilled in the art to which the present invention pertains, the technical features of the merchant terminal 135, the bansa server 130 and the card issuer server 115 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 130 stores the card company BIN D / B in association with the BIN information on the domestic card issued by a domestic card company or a 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 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 paid) further comprising BIN information corresponding to the use card of the charged / used card, whereby the bansa server 130 requests the approval 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.

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. 14, the bansa server 130 may include an interface unit 1400 for connecting and managing a communication channel with an affiliated store terminal 135 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 expansion factor) for identifying a professional 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 relay means), and an approval result message receiving unit 1425 for receiving a full text of an approval result including a transaction history corresponding to the approval request message from the specialized relay target server; In connection with the interface unit 1400 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 1410 to transmit to the merchant terminal 135.

The interface unit 1400 transmits and receives specialized transaction-related transmission and reception with the affiliated store terminal 135 provided at the affiliated store through a communication protocol corresponding to a communication network connecting the bansa server 130 and the affiliated store terminal 135 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 135 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 use of charge / use card) through a key input device. After inputting the target terminal information), the document serial number), and generating the 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 the interface. It is characterized in that for receiving the full text of the approval request from the affiliated store terminal 135 in connection with the unit 1400.

If the approval request message is encrypted and transmitted from the affiliated store terminal 135 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.

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 125 that issues a domestic card corresponding to the card information. .

According to the embodiment 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 115 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 message transmission unit 1420 is between the bansa server 130 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 receiving unit 1425 receives 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 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 135, it is preferable that the interface unit 1400 further performs the process of verifying that the full text of the approval result is transmitted to the affiliated store terminal (135).

Referring to FIG. 14, the card issuer server 115 may include a communication unit 1430 for connecting and managing a communication channel with the bansa server 130 through a communication network (for example, a dedicated communication network), and the communication unit 1430. Transaction request professional receiving unit (1435) (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 130, 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. A transaction result transmission unit 1440 (or a specialized transmission unit) which transmits the full text of an approval result including transaction processing corresponding to the transaction approval process, to the bansa server 130, and the charge / use. When the transaction is approved for the use of the card, the settlement target confirmation unit 1465 (or the settlement target confirmation) that reads the transaction information and confirms the merchant / terminal information, the settlement target account information, and the document serial number for the transaction approval. Means), charge / use settlement D / B (14) by linking the use card information of the charge / use card, the transaction amount information, the confirmed document serial number, the affiliated store / terminal information, and the account information to be settled; And an information storage unit 1470 (or information storage means) for storing in 85.

The communication unit 1430 connects a communication channel for transceiving a professional transaction with the bansa server 130 through a communication protocol corresponding to a communication network connecting the card issuer server 115 and the bansa server 130. It features.

When the bansa server 130 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 130. Characterized in that for receiving the full approval request containing the transaction information.

If the authorization request message is encrypted and transmitted from the bansa server 130 through an encryption key of the card company server, the receiver preferably decrypts the encrypted authorization 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 1480, 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 1480.

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 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 1450 may be configured to deduct the approved amount from the charged amount charged through the charging card in association with the storage medium 1480.

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 130 through the communication network, the bansa server 130 is characterized in that for transmitting the full text of the approval result to the affiliated store terminal (135).

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) Is approved, the settlement target confirmation unit 1465 reads the merchant information (or charging / use card use terminal information) of the transaction information included in the full text of the approval request and the merchant / terminal for the transaction approval. It is characterized in that the information and the account information to be settled and the document serial number.

According to an embodiment of the present invention, the card issuer (or affiliated company) includes affiliated store / terminal information corresponding to the affiliated store information (or terminal information on charge / use card use) and an affiliated store account associated with the affiliated store / terminal information ( Or merchant D / B (not shown) for storing in connection with the account information of the settlement target corresponding to the terminal operating institution account operating the terminal to be used for the charge / use card, the settlement target confirmation unit ( 1465) preferably checks merchant / terminal information and settlement target account information for the transaction approval in connection with the merchant D / B (not shown).

When the merchant / terminal information, the settlement target account information, and the document serial number for the transaction approval are confirmed, the information storage unit 1470 may use the card information, the transaction value information, and the confirmed document serial of the recharge / use card. It stores the charge / use settlement D / B (1485) by linking the number, merchant / terminal information, account information to be settled.

Referring to FIG. 14, the card issuing server 115 transmits the approval result message including the transaction approval information to the affiliated store terminal 135 through the bansa server 130 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.

After the full transaction result information, including the transaction approval information, is transmitted to the affiliated store terminal 135 through the bansa server 130, the ticket 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.

According to the implementation method of the present invention, the ticket purchase information, it is preferable that the transaction card information of the approved charge / use card, transaction value information, merchant / terminal information, one or more of the ticket serial number.

Here, it is preferable that the use card information includes card information included in the full approval request.

The transaction amount information corresponds to transaction amount information included in the transaction information of the authorization request specialist, transaction amount information authorized through the use card of the charge / use card, and transaction approval through the use card of the charge / use card. It is preferably made to include the amount of money information subtracted from the amount of charge of the charge / use card.

The affiliated store / terminal information may include any one of affiliated store information and charge / use card terminal information included in the transaction request information of the authorization request specialist.

The document serial number may include a document number assigned to the full text of the approval request by the affiliated store terminal 135 transmitting the full text of the request for approval, or a document number assigned to the full text of the request for approval by the bansa (or card issuer). It is preferable to make it.

The voucher purchase processing unit 1460 is a predetermined period of time after the transaction is approved through the use card of the charge / use card, or from the Bansa server 130 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 approved transaction amount is characterized in that the purchase of the charge / use card.

Referring to FIG. 14, the card issuer server 115 checks the settlement amount information and fee information from the transaction amount information stored in association with the use card information in the charge / use settlement D / B 1485. Charge unit 1475 (or settlement amount confirmation means), and the settlement amount information and fee information in connection with the use card information, the document serial number, merchant / terminal information, account information to be settled charge / use settlement D And an information storage unit 1470 (or information storage means) stored in / B 1485.

In response to the transaction approval through the use card of the charge / use card to the charge / use settlement D / B 1485, the use card information of the charge / use card, the transaction amount information, the confirmed document serial number, and the affiliated store After the terminal information and the account information to be settled are stored in association, the settlement amount checking unit 1475 charges various fees corresponding to the transaction amount information stored in connection with the use card information in the charge / use settlement D / B 1485. The amount of money (eg, issuer preservation fee, bansa fee, etc.) is calculated, and the settlement amount information is confirmed by subtracting the calculated fee amount from the transaction amount.

According to the method of the present invention, the settlement amount confirming unit 1475 generates the ticket purchase information by the ticket purchase information generating unit 1455 or the ticket purchase processing unit 1460. After the document corresponding to the information is purchased, it is preferable to confirm the settlement amount information and the fee information from the transaction amount information.

When the settlement amount information and the fee information are confirmed by the settlement amount checking unit 1475 from the transaction amount information, the information storage unit 1470 converts the confirmed settlement amount information and the fee information into the use card information and the document series. It is stored in the charge / use settlement D / B (1485) in conjunction with the number, merchant / terminal information, account information to be settled, and the sum of the settlement amount information and fee information is matched with the transaction amount information It is desirable to be.

15 is a diagram illustrating a transaction request process between an affiliated store terminal 135 and a bansa server 130 according to another exemplary embodiment of the present invention.

In more detail, in FIG. 15, when the affiliated terminal 135 on the charge / use card transaction system shown in FIG. 14 generates an authorization request message and transmits the message to the bansa server 130, the bansa server 130 receives the approval. 15 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 135 and the bansa server 130, the present invention comprises all the implementation methods inferred, The technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 15, the merchant terminal 135 on the charge / use card transaction system illustrated in FIG. 14 reads card information from the customer card through a card reader, and trades information (eg, a transaction through a key input means). Enter the amount information, merchant information (or charging / use card use target terminal information), the document serial number) (1500), including the card information and transaction information and the merchant information stored in the merchant terminal 135 Generate the full text of the approval request (1505).

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 charge amount through the charge / use card charging system shown in Figure 4 or 7 It is preferable to include the use card of the charged charge / use card.

Thereafter, the affiliated store terminal 135 connects the communication channel for professional transmission and reception with the bansa server 130 through the communication network (eg, a public communication network) (1510).

If the communication channel is connected (1515), the merchant terminal 135 transmits the full text of the approval request to the bansa server 130 through the communication channel (1520), and correspondingly the bansa server 130 Receives the approval request message transmitted from the affiliated store terminal 135 through the communication channel (1525).

According to an embodiment of the present invention, if the approval request is transmitted in encrypted form from the affiliated terminal 135 through the bansa encryption key, the bansa server 130 is to decrypt the encrypted approval request full text desirable.

Subsequently, the bansa server 130 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).

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 125 that issues a domestic card corresponding to the card information. Do.

According to the embodiment shown in FIG. 14, the bansa server 130 reads the BIN information of the use card of the charge / use card to check the card issuer server 115 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 130 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.

More specifically, FIG. 16 shows a card issuer server 115 on the charge / use card transaction system shown in FIG. 14 through a transaction request process between the affiliated store terminal 135 and the bansa server 130 shown in FIG. When the full request for approval including card information corresponding to the use card of the charge / use card is received, the card issuer server 115 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, only the exemplary method shown in the figure 16 is not limited its technical characteristics.

Referring to Figure 16, through the transaction request process between the merchant terminal 135 and the bansa server 130 shown in Figure 15 produced through the charge / use card production system shown in Figure 2 is sold to the customer ( Or payment), and the full text of the request for approval including 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 FIG. When received by the card issuer server 115 on the illustrated charge / use card transaction system, the card issuer server 115 corresponds to the use card of the charge / use card from the bansa server 130 through a communication network. Receives an authorization request message including card information (1600), reads the card information included in the authorization request message, and reads the card information contained in the BIN information assigned to the card issuer to the use card of the charge / use card. 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 115 generates a full text of an authorization result including transaction error information and transmits it to the bansa server 130 (1615), and the bansa server 130 is connected to the affiliated store terminal 135. The full text of the approval result is transmitted to the affiliated store terminal 135 through the connected communication channel (1630).

On the other hand, if 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 authorization request is confirmed (1610) In operation 1635, the card issuer server 115 checks whether the use card of the charge / use card is activated in association with the storage medium 1480.

If the use card of the charge / use card is not activated (1640), the card issuer server 115 generates a full text of an authorization result including transaction error information and transmits it to the bansa server 130 (1615). The bansa server 130 transmits the full text of the approval result to the affiliated store terminal 135 through a communication channel connected to the affiliated store terminal 135 and outputs the complete result (1630).

On the other hand, if the use card of the charge / use card is activated (1640), the card issuer server 115 connects the charge card information and the charge card associated with the use card information in association with the storage medium 1480. 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 115 generates a full text of an approval result including transaction error information. The bansa server 130 transmits the result to the bansa server 130 (1615), and the bansa server 130 transmits the full text of the approval result to the affiliated store terminal 135 through the communication channel connected to the affiliated store terminal 135 (1630). .

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 (1650), the card issuer server 115 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).

According to the method of the present invention, the card issuer server 115 charges the transaction amount (= transaction amount included in the authorization request text) 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 (1660), the card issuer server 115 generates a full text of an authorization result including transaction error information to the bansa server 130. In operation 1615, the bansa server 130 transmits the full text of the approval result to the affiliated store terminal 135 through the communication channel connected to the affiliated store terminal 135 and outputs the complete 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 115 links the charge / use card with the storage medium 1480 to the card. 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 ( 130, the bansa server 130 transmits the full text of the approval result to the affiliated store terminal 135 through a communication channel connected with the affiliated store terminal 135 and outputs the complete certificate result (1630).

Subsequently, the card issuer server 115 reads affiliate store information (or charging / use card use target terminal information) of transaction information included in the authorization request message, and stores merchant / terminal information and settlement target account for the transaction approval. Checking Information and Document Serial Numbers (1675)

According to an embodiment of the present invention, the card issuer (or affiliated company) includes affiliated store / terminal information corresponding to the affiliated store information (or terminal information on charge / use card use) and an affiliated store account associated with the affiliated store / terminal information ( Or merchant D / B (not shown) for storing in connection with the account information of the settlement target corresponding to the terminal operating institution account operating the terminal to be used for the charge / use card, the settlement target confirmation unit ( 1465) preferably checks merchant / terminal information and settlement target account information for the transaction approval in connection with the merchant D / B (not shown).

When the merchant / terminal information, the settlement target account information, and the document serial number for the transaction approval are confirmed, the information storage unit 1470 may use the card information, the transaction value information, and the confirmed document serial of the recharge / use card. The number, affiliated store / terminal information, and account information to be settled are stored in the charge / use settlement D / B 1485 (1680).

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 115 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 115 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 the person skilled in the art, it is possible to perform a check purchase and request process on the bansa server 130 provided with the full approval result, and the present invention provides the bansa server 130. It should be made clear that this includes the process of confirming and requesting the purchase of a document.

In addition, in FIG. 17, after the purchase of the slip through the use card of the charge / use card is completed, the settlement amount information and the fee information are confirmed from the transaction amount corresponding to the use card to the charge / use settlement D / B 1485. Although the present invention is illustrated as being stored, the present invention is not limited thereto. The process of checking the settlement amount information and the fee information and storing the information in the charge / use settlement D / B 1485 is illustrated in FIG. It is clear that after the transaction is approved, it can be performed at any time according to the intention of the skilled person.

Referring to FIG. 17, 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. 16, the card issuer server 115 performs the charging. Check whether the purchase of the document for the transaction approval through the use card of the use card is performed (1700).

According to an embodiment of the present invention, the card issuing server 115 is for a transaction approval through the use card of the charge / use card when a certain 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 115 checks whether the slip is inserted in place of the card issuer server 115 and then uses the card of the charge / use card to the card issuer server 115. It is also possible to request the purchase of a slip for a transaction through the present invention, and the present invention may include a slip purchase request from the bansa server 130.

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 115 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 115 purchases a slip for the transaction approval through the use card of the charge / use card based on the slip purchase information (1715).

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 a document corresponding to the transaction approval through the use card of the charge / use card is purchased according to the affiliated document purchase procedure (1720), the card issuer server 115 may determine the use card of the charge / use card. The result of the document purchase is stored (1725).

Subsequently, the card issuer server 115 may provide various fee amounts (eg, issuer preservation fee, bansa fee, etc.) corresponding to transaction value information stored in connection with the use card information in the charge / use settlement D / B 1485. ), And check the settlement amount information by subtracting the calculated fee amount from the transaction amount (1730), and uses the confirmed settlement amount information and fee information with the use card information, slip serial number, and merchant / terminal information. In operation 1735, the data is stored in the charge / use settlement D / B 1485 in association with the settlement target account information.

Here, the sum of the settlement amount information and the fee information is preferably matched with the transaction amount information.

18 is a diagram showing the configuration of a charge / use card settlement system according to an embodiment of the present invention.

In more detail, Figure 18 shows the amount of transaction approved by the usage card of the charge / use card through the charge / use card transaction system shown in Fig. 9 or Fig. 14 as shown in Fig. 4 or Fig. 7 As a system configuration for the settlement processing from the charge amount charged by the charge card of the charge / use card through the card charging system, those skilled in the art to which the present invention pertains, see Figure 18 and It is possible to infer various implementation methods for the configuration of the charge / use card settlement system by modifying the present invention. However, the present invention includes all the implementation methods inferred above, Features are not limited.

Referring to FIG. 18, the charge / use card settlement system includes a charge / use settlement D / B 1825 shown in the charge / use card transaction system shown in FIG. 9 or FIG. The financial company server 125 and the charge / use settlement D / B (1825) operating a fund management account in which the charge amount charged by the charge card of the charge / use card is deposited through the charge / use card charging system shown in FIG. Check the settlement amount information and the settlement target account information, and withdraw the settlement amount from the fund management account in which the recharge amount charged by the recharge card of the recharge / use card is deposited in connection with the financial institution server 125; It is characterized in that it comprises a charge / use settlement server 105 that transfers to the settlement target account and the settlement process.

In FIG. 18, the charge / use settlement server 105 is also illustrated as one server for convenience, but this is merely an exemplary method for efficiently describing the technical features of the charge / use settlement server 105 in the present invention. According to the intention of the person skilled in the art and the method of implementing the charge / use card transaction system, the charge / use settlement server 105 may be implemented in the form of a system consisting of a plurality of servers for each function component or the internal configuration of the server provided in the bansa. It is clear that it can be spherical in element form.

The charge / use settlement D / B 1825 may use the card information of the charge / use card authorized for the transaction during the charge / use card transaction process through the charge / use card transaction system shown in FIG. 9 or FIG. 14. Settlement amount information, fee information, the document serial number, affiliated stores / terminal information, the account information to be settled characterized in that the link is stored.

The financial company server 125 may be operated by a financial company operating a fund management account in which the charged amount charged by the charge card of the charge / use card is deposited through the charge / use card charging system shown in FIG. 4 or 7. A non-face-to-face finance defined as a generic term for a server (or device) provided and processing settlement-related non-face-to-face financial transactions requested from the charge / use settlement server 105, from the charge / use settlement server 105. When the charge / use card settlement request information including the account transfer request information configuration is received among the transaction request information, the settlement amount is withdrawn from the fund management account in which the charge amount charged by the charge card of the charge / use card is deposited. It is characterized in that for processing the financial transaction transferred to the settlement target account.

Referring to FIG. 18, the charge / use settlement server 105 confirms the settlement date and time of the use card information stored in the charge / use settlement D / B 1825 and, upon confirming the arrival of the settlement date and time, Check the settlement amount information and settlement target account information associated with the use card information confirmed the settlement date and time from the charge / use settlement D / B (1825), and the funds management of the card issuer provided in the financial company server 125 Withdrawal of the settlement amount from the fund management account using an information confirmation unit 1800 (or information confirmation means) for confirming account information, and the fund management account as a withdrawal account, and the account to be settled as a deposit account. An information generation unit 1805 (or information generating means) for generating charge / use card settlement request information transferred to the account to be settled, and the generated charge / use card settlement request information through the communication network; The settlement processing unit 1810 (or settlement processing means) for transferring the settlement amount to the settlement target account by transmitting to the company server 125 and the settlement / use settlement D / B during settlement of the settlement amount. Check the document serial number, merchant / terminal information from (1825), and check the charge card information associated with the use card information of the charge / use card from the storage medium 1830 shown in Figure 9 or 14, Settlement history generation unit 1815 (or settlement history generation means) for generating settlement history information including one or more settlement date and time information, use card information, charging card information, settlement amount information, document serial number, merchant / terminal information And a settlement history storage unit 1820 (or settlement history storage means) for storing the settlement history information in the charge / use settlement D / B 1825.

The transaction through the use card of the charge / use card through the charge / use card transaction system shown in FIG. 9 or FIG. 14 is approved, and the charge / use card with the transaction approved to the charge / use settlement D / B 1825 After using the card information and the settlement amount information and fee information and the document serial number, merchant / terminal information, the account information to be settled and stored, the information check unit 1800 checks the timer through the charge / use settlement D Check whether the settlement date and time for the card information stored in / B (1825) has arrived.

If it is confirmed that the settlement date and time for the use card information has arrived, the information confirming unit 1800 is settled from the charge / use settlement D / B 1825 associated with the use card information for which the settlement date and arrival has been confirmed. Check the amount of money information and the account information to be settled, characterized in that to check the funds management account information of the card issuer provided in the financial company server (125).

Here, the card issuer's money management account information is stored in the charge / use settlement D / B 1825, or stored in a separate database, or set in the charge / use settlement server 105. Do.

When the settlement amount information, the settlement target account information, and the fund management account information are confirmed through the information confirming unit 1800, the information generation unit 1805 may request for account transfer among non-face-to-face financial transaction request information defined at the financial company. The funds management account information is substituted into the withdrawal account information, the settlement target account information is substituted into the deposit account information, the settlement amount information is substituted into the transfer amount information, and the withdrawal of the settlement amount from the fund management account. It is characterized in that for generating the charge / use card settlement request information transferred to the settlement target account.

When the charge / use card settlement request information is generated through the information generation unit 1805, the settlement processing unit 1810 generates the charge according to the security policy of the financial company through a communication network connected to the financial company server 125. By transferring the payment / use card settlement request information to the financial institution server 125, withdraw the settlement amount from the fund management account in which the charged amount charged through the charge card of the charge / use card is transferred to the account subject to settlement A settlement process is performed.

If the settlement amount is settled to the settlement target account by the settlement processing unit 1810, the settlement history generation unit 1815 is a document serial number, merchant / terminal from the charge / use settlement D / B 1825 Check the information, check the charge card information associated with the use card information of the charge / use card from the storage medium 1830 shown in FIG. 9 or FIG. 14, and check the charge / use settlement D / B 1825 If the charge card information is further stored in association with, the settlement history generation unit 1815 checks the charge card information associated with the use card information of the charge / use card from the charge / use settlement D / B 1825 It is preferable to check, and according to the intention of the skilled person, it may be omitted to check the charge card information.

Thereafter, the settlement history generation unit 1815 sets the settlement date and time on which the settlement processing is performed through the financial company server 125, the use card information, the charging card information, the settlement amount information, the slip serial number, and the affiliated store / terminal. Characterized by the settlement history information including one or more information.

When the settlement history information is generated through the settlement history generation unit 1815, the settlement history storage unit 1820 is configured to charge / use the settlement history information in association with the use card information (or charge card information). Store in D / B 1825.

According to another exemplary embodiment of the present invention, the settlement history information is stored in the storage medium 1830 illustrated in FIG. 9 or 14 in addition to the charge / use settlement D / B 1825 or a separate settlement history. It is possible to be stored in the D / B (not shown), by which the present invention is not limited.

19 is a diagram illustrating a charging / using card settlement process according to an embodiment of the present invention.

More specifically, FIG. 19 shows a charge / use card in the charge / use settlement server 105 on the charge / use card settlement system shown in FIG. 18 through the charge / use card transaction system shown in FIG. 9 or 14. Regarding the process of processing the amount of money approved by the use of the card from the charge amount charged by the charge card of the charge / use card through the charge / use card charging system shown in Figure 4 or 7, Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 19 to implement various methods for the charge / use card settlement process (e.g., some steps may be omitted or the order may be changed). It can be inferred from the implementation method), 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. 19, a transaction through a use card of a charge / use card through the charge / use card transaction system shown in FIG. 9 or 14 is approved, and the transaction is sent to the charge / use settlement D / B 1825. After the credit card information, the settlement amount information, the fee information, the document serial number, the merchant / terminal information, the settlement target account information of the approved charge / use card is stored in association, the charge / use settlement server 105 checks the timer In operation 1900, it is determined whether the settlement date and time for the use card information stored in the charge / use settlement D / B 1825 arrives.

If it is confirmed that the settlement date and time for the use card information has arrived (1905), the charge / use settlement server 105 uses the use card whose arrival date has been confirmed from the charge / use settlement D / B 1825. Check the settlement amount information and settlement target account information associated with the information (1910), the charge / use associated with the use card with the settlement date and time through the charging / use card charging system shown in Figure 4 or 7 The card issuer checks the fund management account information of the card issuer in which the charge amount charged through the card is charged (1915).

Subsequently, the charge / use settlement server 105 substitutes the funds management account information as the withdrawal account information in the account transfer request information configuration among the non-face-to-face financial transaction request information defined in the financial company operating the funds management account. Charge / use card settlement request information for substituting settlement account information as deposit account information, substituting the settlement amount information as transfer amount information, withdrawing the settlement amount from the fund management account and transferring to the settlement target account. Create (1920).

If the charge / use card settlement request information is generated (1925), the charge / use settlement server 105 is configured to generate the charge / use according to the security policy of the finance company through a communication network connected to the finance company server 125. By transferring the card settlement request information to the financial company server 125, withdraw the settlement amount from the fund management account in which the recharge amount charged through the recharge card of the recharge / use card is deposited and transferred to the account to be settled The settlement process is performed (1930).

If the settlement amount is settled to the account to be settled (1935), the charge / use settlement server 105, the settlement date and time information, the use card information, recharge card information, settlement amount information In operation 1940, payment history information including one or more document serial numbers and affiliated store / terminal information is generated.

According to an embodiment of the present invention, the charge / use settlement server 105 checks the document serial number and affiliated store / terminal information from the charge / use settlement D / B 1825 to generate the settlement history information, Check the charge card information associated with the use card information of the charge / use card from the storage medium 1830 shown in FIG. 9 or FIG. 14, and the charge card information in the charge / use settlement D / B 1825 Is stored in association with the more, the settlement history generation unit 1815 checks the charge card information associated with the use card information of the charge / use card from the charge / use settlement D / B 1825, Confirming the charging card information may be omitted according to the intention of the person skilled in the art.

Thereafter, the charge / use settlement server 105 stores the settlement history information in the charge / use settlement D / B 1825 in association with the use card information (or charge card information) (1945).

According to another exemplary embodiment of the present invention, the settlement history information is stored in the storage medium 1830 illustrated in FIG. 9 or 14 in addition to the charge / use settlement D / B 1825 or a separate settlement history. It is possible to be stored in the D / B (not shown), by which the present invention is not limited.

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 and financial transactions through the use card through the charged amount to solve the problems of the prepaid card and the credit card. There is an advantage in providing the card.

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.

According to the present invention, in the charge / use card made in connection with the use card for payment / financial transactions and the charge card for charging the payment amount for payment / financial transaction approval for the use card, the use card There is an advantage in providing a settlement service of a dual structure through the settlement of the amount used for payment / financial transactions from the amount charged through the recharge card.

Claims (7)

The card issuer issuing a charge / use card made by linking a use card for payment / financial transaction and a charge card for charging the payment / finance transaction approval for the use card to the charge / use card. In the method of settlement of the recharge amount and transaction amount for Deactivating a charging function of the charging card and a using function of the use card, and storing the deactivated charging card information and the use card information in a storage medium in association with each other; When charging is requested through the charging card from a charging terminal provided at a charging / use card retailer (or an affiliated store), the charging function of the charging card and the use of the using card are activated, and the charging card information and the charging amount information Storing in a storage medium in association with; Calculating the recharge amount with a funds management account opened in a financial institution server to operate the recharge / use card; When the transaction is approved through the use card of the charge / use card, checking the transaction value information and the account information for settlement of the affiliated store / terminal through the use card; Confirming settlement amount information to be settled to the settlement target account from the transaction amount; And When the purchase of the document for the transaction amount, the charge made by including the financial management account as the withdrawal account, the settlement amount as the transfer amount, and the account transfer request information configuration of the financial company, the settlement target account as the deposit account Generating the use card settlement request information to the financial institution server and processing the transaction amount through the use card to be settled from the charge amount charged through the charge card; Card settlement method. The method of claim 1, Generating document purchase information including the use card information, the transaction amount information, the affiliated store / terminal information and the document serial number corresponding to the transaction through the use card; And And processing the purchase of the slip for the transaction amount through the slip purchase information. The method of claim 1, And storing the charge / use settlement D / B in association with the use card information, the transaction amount information, and the settlement target account information. 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. Characterized by the charge / use card settlement method. The method of claim 4, 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 settlement method. A computer-readable recording medium having recorded thereon a program for executing the method of any one of claims 1 to 3. The card issuer issuing a charge / use card made by linking a use card for payment / financial transaction and a charge card for charging the payment / finance transaction approval for the use card to the charge / use card. In the system for processing settlement amount and transaction amount for Information storage means for deactivating the charging function of the charging card and the using function of the use card and storing the deactivated charging card information and the use card information in a storage medium in association with each other; When charging is requested through the charging card from a charging terminal provided at a charging / use card retailer (or an affiliated store), the charging function of the charging card and the use of the using card are activated, and the charging card information and the charging amount information Charge / use card charging means for storing in the storage medium in association with; A charge settlement means for settlement of the charge amount to a fund management account opened in a financial institution server to operate the charge / use card; Settlement target expansion acquisition unit for confirming the transaction value information and the account information of the settlement for the merchant / terminal through the use card, when the transaction authorization through the use card of the charge / use card; Settlement amount checking means for confirming settlement amount information to be settled to the settlement target account from the transaction amount; And When the purchase of the document for the transaction amount, the charge / including the account management request information for each financial institution, including the fund management account as the withdrawal account, the settlement amount as the transfer amount, and the settlement target account as the deposit account Payment processing means for generating use card settlement request information and transmitting the transaction amount through the use card to the financial institution server to be settled from the charge amount charged through the charge card; Use card settlement system.
KR1020080116042A 2008-11-21 2008-11-21 System and method for calculation of charging/using card and recording medium KR20100057152A (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
KR1020080116042A KR20100057152A (en) 2008-11-21 2008-11-21 System and method for calculation of charging/using card and recording medium

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
KR1020080116042A KR20100057152A (en) 2008-11-21 2008-11-21 System and method for calculation of charging/using card and recording medium

Publications (1)

Publication Number Publication Date
KR20100057152A true KR20100057152A (en) 2010-05-31

Family

ID=42280957

Family Applications (1)

Application Number Title Priority Date Filing Date
KR1020080116042A KR20100057152A (en) 2008-11-21 2008-11-21 System and method for calculation of charging/using card and recording medium

Country Status (1)

Country Link
KR (1) KR20100057152A (en)

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20190073432A (en) * 2017-04-13 2019-06-26 알리바바 그룹 홀딩 리미티드 IC card based transaction processing and credit settlement method, device and system
US10671996B2 (en) 2014-07-11 2020-06-02 The Toronto-Dominion Bank Systems and methods for providing pre-paid multicards

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US10671996B2 (en) 2014-07-11 2020-06-02 The Toronto-Dominion Bank Systems and methods for providing pre-paid multicards
KR20190073432A (en) * 2017-04-13 2019-06-26 알리바바 그룹 홀딩 리미티드 IC card based transaction processing and credit settlement method, device and system

Similar Documents

Publication Publication Date Title
US9010633B2 (en) System and method for new execution and management of financial and data transactions
US20020055907A1 (en) Electronic payment system and method
US20020194080A1 (en) Internet cash card
KR20100057152A (en) System and method for calculation of charging/using card and recording medium
KR20020094165A (en) System and Method for exchange of electronic currency and electronic securities
KR101065423B1 (en) Method for Issuing Card by Local Travel Agency Affiliated with Overseas Store and Program Recording Medium
KR20100057162A (en) System and method for providing of charging/using card inclusive of using card of plural and recording medium
KR20100077294A (en) System and method for processing prepaid card&#39;s settlement by local travel agency affiliated with overseas store and program recording medium
KR101045814B1 (en) Charging / use card charging method and system using wireless terminal
KR20100057149A (en) System and method for transaction process of charging/using card and recording medium
KR101045813B1 (en) Charging / using card operating method and system using wireless terminal
KR20090081927A (en) System and Method for Processing Card Settlement Approval Relay and Recording Medium
KR20100057166A (en) System and method for management of charging/using card by using step and recording medium
KR20100057167A (en) System and method for multiple using card management of charging/using card and recording medium
KR20090081935A (en) System and Method for Processing Affiliated Store Relation Card Rewards
KR20100057153A (en) System and method for calculation of charging/using card by using virture account and recording medium
KR20040072537A (en) System for Exchange of Electronic Currency and Electronic Securities
KR20100057151A (en) System and method for management of charging/using card by using communication terminal at customer&#39;s area and recording medium
KR20100057156A (en) System and method for registration confirmation of charging/using card by using mobile devices and recording medium
KR20090002052A (en) System and method for handling plural settlement admission using account
KR20100057148A (en) System and method for management of charging/using card recording medium
KR20100057159A (en) System and method for management of charging/using card by using customer card and recording medium
KR20090097839A (en) System for check card payment by using virtual account
KR20090081943A (en) System and Method for Processing Affiliated Store Relation Card Settlement and Recording Medium
KR20090081931A (en) Card Terminal Device, Method for Managing Cooperation Affiliated Related Card using Card Terminal Device and Recording Medium

Legal Events

Date Code Title Description
A201 Request for examination
E902 Notification of reason for refusal
E601 Decision to refuse application
J201 Request for trial against refusal decision
J301 Trial decision

Free format text: TRIAL DECISION FOR APPEAL AGAINST DECISION TO DECLINE REFUSAL REQUESTED 20120327

Effective date: 20130225