KR20100057153A

KR20100057153A - System and method for calculation of charging/using card by using virture account and recording medium

Info

Publication number: KR20100057153A
Application number: KR1020080116043A
Authority: KR
Inventors: 이장혁
Original assignee: 한국정보통신주식회사
Priority date: 2008-11-21
Filing date: 2008-11-21
Publication date: 2010-05-31

Abstract

PURPOSE: A charge/use card accounting method through a virtual account and a system for charging the charged amount without the limit of the time/region through the charge card and a recording medium therefore are provided to use the charged amount by supplying the payment clearance/financial transaction using the charged amount. CONSTITUTION: A charging/using card charge request message is received(600). The charge card information is matched with the card information(610). The card information is matched with the charge card information, virtual accounts open up(630). The charge function of the identified charge card information and the use function of the use card which is in associated with the charge card are activated. The charged amount is deposited on the virtual accounts opening up.

Description

System and Method for Calculation of Charging / Using Card by Using Virture Account 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 showing the configuration of the charge / use card charging system according to another 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.

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

100: client terminal 105: charging terminal

110: card production server 115: charge / use settlement server

120: charge / use card charging server 125: card issuer server

130: charging affiliate server 135: financial company server

140: bansa server 145: merchant 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. Establishing a virtual account for each use card that includes use card information of a charge / use card used as a fund management account; calculating the charge amount into a virtual account for each use card in association with the financial institution server; When the transaction is approved through the use card of the recharge / use card, checking the transaction amount information and the account information for the merchant / terminal through the use card, and the settlement amount to be settled from the transaction amount to the account to be settled. Checking the information and at the time of purchasing the document for the transaction amount, generating charge / use card settlement request information including the use card information, the settlement amount information, and the account information to be settled, and transmits it to the financial company server for the use card. The transaction amount through the credit card is settled through the deposit amount deposited in the virtual account for each credit card containing the information. The present invention relates to a method for settlement of a charge / use card through a virtual account, which includes the step of processing the card.

With 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, and the card payment system is a card brand company (for example, Visa card, Master card except some domestic dedicated cards). Cards are issued in partnership with other countries.

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

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

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

Of course, the minor, the limited number, the 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 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 A means for establishing a virtual account for each of the use cards, including means for using the card information of the charge / use card, which is set up as a fund management account established at a finance company server to operate the charge / use card; A payment settlement means for calculating the charge amount in a virtual account for each use card in association with the payment card; and when the transaction is approved through the use card of the charge / use card, the amount of transaction information and merchant / terminal through the use card. Settlement target confirmation means for confirming the account information to be settled, 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 purchase of the document for the transaction amount, in connection with the financial company server And settlement processing means for settlement of the settlement amount through the charged amount deposited in the virtual account for each use card. Is to provide a payment / use card settlement system through a virtual account.

Recharge / use card settlement method through a virtual account according to the present invention, a charge made by linking 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 In the card issuer issuing card / card issuer is settled the transaction amount and the transaction amount for the charge / use card, the charge function of the charge card and the use function of the use card is deactivated, the disabled charge Storing the storage card in association with the card information and the use card information, and when the charging process is requested through the charge card from a charge terminal provided at a charge / use card retailer (or an affiliated store); Activating a use function of a use card and storing the charge card information and the charge amount information in a storage medium in association with the charge card information; / Opening a virtual account for each of the use card including the use card information of the charge / use card to the funds management account opened on the financial company server to operate the use card, and the charge amount in connection with the financial company server Checking the virtual account for each use card, and confirming the transaction value information and the account information for the merchant / terminal through the use card when the transaction is approved through the use card of the charge / use card; Confirming the settlement amount information to be settled to the settlement target account from the transaction amount and recharge / use card settlement request information including the use card information, settlement amount information and settlement target account information when the document is purchased for the transaction amount; Generated and sent to the financial institution server charged in the virtual account for each use card containing the use card information It characterized in that it comprises a step of processing so that the transaction amount through the use card is settled through the amount.

In addition, the card issuer issuing a charge / use card issued by a charge / use card made in connection with a payment card for the payment / financial transactions and a charge card for the payment / financial transaction approval for the use card is charged / used A method of settlement of a charge amount and a transaction amount for a card, the method comprising: deactivating a charge function of a charge card and a use function of a use card, and storing the deactivated charge card information and use card information in a storage medium in association with the deactivated charge card information; And recharging a charge function of the charge card and a use function of the use card when the charging process is requested through the charge card from a charge terminal provided at a charge / use card retailer (or an affiliate store), Storing the information in the storage medium in association with the information on the amount of the replenishment, and funds established in a financial institution server to operate the recharge / use card; Establishing a virtual account for each use card including use card information of a charge / use card used as a user account; calculating the charge amount into a virtual account for each use card in connection with the financial institution server; / Confirming the transaction value information and the account information for the merchant / terminal through the use card when the transaction is authorized through the use card of the use card, and the settlement amount information to be settled from the transaction amount to the account to be settled; In the step of confirming and purchasing the document for the transaction amount, the account transfer request information for each financial company using the virtual account for each use card as the withdrawal account, the settlement amount as the transfer amount, and the settlement target account as the deposit account. Charge / use card settlement request information including the configuration is generated and sent to the financial institution server to the use card It characterized in that it comprises a step of processing the transaction amount through the settlement amount from the charge amount charged through the charging card.

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.

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-described method of charging / using a card through a virtual account.

Recharge / use card settlement system through a virtual account according to the present invention, a charge made by linking the use card for payment / financial transactions, and the charge card for charging the payment amount for the payment / financial transaction approval for the use card In the system for processing the charge amount and the transaction amount for the charge / use card from the card issuer that issued the / use card, the charge function of the charge card and the use function of the use card is deactivated, the disabled charge Information storage means for storing the card information and the use card information in association with the storage medium, and charging the charge card when the charging process requested through the charge card from the charging terminal provided in the charge / use card retailer (or affiliated stores) A function of activating the function and the use function of the use card and storing the charge card information and the charge amount information in a storage medium in association with the charge card information. And a virtual account opening means for opening a virtual account for each use card including use card information of charge / use card, which is a fund management account opened on a financial institution server to operate the charge / use card. A payment settlement means for calculating the charge amount in a virtual account for each use card in association with the financial company server; and when the transaction is approved through the use card of the charge / use card, the transaction amount information and the affiliated store through the use card. The settlement target confirmation means for confirming the settlement target account information for the terminal, 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 purchase of the document for the transaction amount; Settlement process for settlement of the settlement amount through the recharge amount deposited in the virtual account for each use card in connection with the server Characterized in that it comprises a re- means.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. In addition, terms to be described below are terms defined in consideration of functions in the present invention, which may vary according to a user's or operator's intention or custom. Therefore, the definition should be made based on the contents throughout the present invention.

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

In addition, the following examples will be used to appropriately modify, 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 servers (or terminals) different depending on the role and function of each functional component and the corresponding server (or terminal) operator (or operator), thereby limiting the present invention Not.

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 the card making server 110 produces the charge / use card, and the charge / use card. A charge / use card charging server 120 for processing a customer who purchased (or received) a card to charge a predetermined charge amount 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 125 and the charge / use card charge server 120 that process payment / financial 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 115 for processing the charge amount charged in the account and the transaction amount used through the card issuer server 125, the charge / use card Merchant terminal 145 (or merchant server) for providing a payment / financial transactions through the credit card, characterized in that further comprises a bansa server 140.

According to another embodiment of the present invention, the charge / use card charging server 120 may be implemented in the form of a charging affiliate server 130 provided in a separate charging affiliate affiliated with the card issuer, in which case the charging Affiliate server 130 is characterized in that the card issuer server 125 and the charge amount is synchronized.

Here, the affiliated store terminal 145, at least a CAT (Credit Authorization Terminal) provided in the 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 145 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 the full authorization request message including transaction information (eg, transaction amount information, merchant information (or charging / use card use target terminal information)) and transmit it to the bansa server 140.

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 target terminal information) to be transmitted to the card issuer server 125.

The bansa server 140 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 145 provided in the affiliated store, the communication channel, x.25 based communication network, encryption / It is characterized by connecting the affiliated store terminal 145 and the specialized relay target server by connecting a communication channel with at least one specialized relay target server through a dedicated network including at least one decryption-based communication network.

According to an embodiment of the present invention, the bansa server 140 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 (125).

According to another embodiment of the present invention, when the use card of the charge / use card is not recognized, the bansa server 140 recognizes the use card of the charge / use card as an overseas card and purchases the full text of the request for approval. In this case, the voucher purchaser delivers the full text of the approval request to the card brand company assigned the BIN of the use card, and the card brand transmits the full text of the approval request to the card issuer server 125. 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 110 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 120 provided at the card issuer may be charged / used through a charging terminal 105 provided at a charge / use card retailer (or an affiliated store) or a client terminal 100 used by a customer. A generic term for a server (or device) that charges a predetermined amount of charge through a charge card of a use card, wherein the card issuing company that operates the charge / use card is provided. Funds corresponding to the charged amount charged through the recharge card is managed by the card issuer.

According to an embodiment of the present invention, the charge / use card charging server 120 charges the money management account of the card issuer in connection with the financial company server 135 when charging the charge amount through the charge card of the charge / use card. It is preferable to set a parent account, establish a virtual account for each use card associated with the use card of the charge / use card, and deposit the amount charged through the charge card of the charge / use card in the virtual account for each use card. The funds deposited in the virtual account for each of the use cards are preferably deposited into a fund management account which is the parent account of the virtual account for each of the use cards.

Here, the virtual account for each card used in the financial company server 135 is opened in the form of additional information ledger of the account ledger corresponding to the fund management account, and the virtual account ledger corresponding to the virtual account for each card is used. Virtual account information (for example, a parent account (= fund management account) number, a virtual account number), the use card information associated with the virtual account, the charge card information associated with the use card, the fund management account as the parent account It is preferable to include the information of the charge amount charged through the charge card.

The card issuer server 125 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 120. 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 115 provided in the card issuing company is the card issuer server from the charge amount charged using the charge card of the charge / use card through the charge / use card charging server 120. As a generic term of the server (or device) that processes the transaction amount used using the use card of the charge / use card through 125, the charge / use settlement server 115 charges the charge / use card. The use card of the charge / use card from the charge amount charged through the charge card of the charge / use card in association with the financial company server 135 managing the virtual account for each use card where the charge amount charged through the card is deposited. It characterized in that the settlement of the transaction amount used through.

According to the exemplary embodiment of the present invention, the charge / charge card charged by the charge / use card charge server 120 using the charge card of the charge / use card is opened in the financial company server 135. It is preferable to deposit in the virtual account for each use card, and the actual funds of the deposit amount deposited in the virtual account for each use card are deposited to the fund management account which is the parent account of the virtual account for each use card.

According to an exemplary embodiment of the present invention, the settlement / use settlement server 115 and the use card information and settlement amount information and the settlement target at the time of settlement processing for the transaction amount used through the use card of the charge / use card When the charge / use card settlement request information including account information is transmitted to the financial institution server 135, the financial institution server 135 checks the virtual account for each use card corresponding to the use card information, and for each use card. It is preferable to settle the settlement amount to the settlement target account from the settlement amount deposited in the virtual account (= the amount charged through the charging card associated with the use card).

According to another embodiment of the present invention, when the settlement of the transaction amount used through the use card of the charge / use card, the charge / use settlement server 115 by the use card information associated with the use card information When the virtual account is used as a withdrawal account and the charge / use card settlement request information based on the transfer request information configuration based on the account to be settled as the deposit account is transmitted to the financial institution server 135, the financial institution server 135 uses the payment. Preferably, the settlement amount is settled to the account to be settled from the charge amount deposited in the virtual account for each card (= amount charged through the charge card associated with the use card).

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 245 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 is used to charge the payment / finance transaction use card and a charge card for charging the payment amount for the payment / finance transaction approval for the use card. A single card medium is provided with a charge / use detachable card or a payment card for charging / financing transactions and a charge card for charging payment / financing transaction approval for the use card. One or more means for making a charge / use card including any of the charge / use integrated cards and / or components corresponding to the functional configuration are referred to as " card making server 110 " 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 110 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) 110 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 110 The communication network for connecting the employee terminal 250 and the card production server 110 preferably comprises a communication network for connecting the communication channel.

The card production server 110 is connected to the charge card for the payment / financial transaction and the charge card for charging the payment / financial transaction approval charges for the use of the 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; A generic term for the card issuer system-side component connected to the employee terminal 250 via a communication network to produce a charge / use card, including at least one server (or device), and / or Or at least one or more programs recorded on a recording medium provided in a predetermined server (or apparatus), whereby the present invention is limited. Not.

According to the embodiment of the present invention, the card making server 110 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 making server 110 interoperates with the interface unit 200 to input (or select) predetermined card making information from the employee terminal 250 to transmit a predetermined user interface. The interface providing unit 205 (or interface providing means) generated (or extracted) and provided to the employee terminal 250 and the interface unit 200 in conjunction with the user terminal 250 through the user interface. The charging unit 210 (or information receiving means) for receiving predetermined card making information transmitted by inputting (or selecting) and the BIN information allocated to the card issuer based on the received card making information. Credit card information for payment / financial transactions including the BIN information associated with the allocation of the credit card to the credit card, and the amount of the credit for the payment / financial transaction approval for the credit card. Information card 215 (or information generating means) for generating charging card information for charging the card, and recording the use card information on a first card medium through a predetermined card making apparatus 240; 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 245, but the charge function of the charge card and the use function of the use card are deactivated and the charge card is deactivated. And an information storage unit 225 (or information storage means) configured to set the charge amount information through '0' to store in the storage medium 245 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 110 when the employee terminal 250 via 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 110 via 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 110 through the communication network. send.

According to another exemplary embodiment of the present invention, a card making machine having a predetermined user interface capable of inputting (or selecting) the card making information to the employee terminal 250 and transmitting the card making information to the card making server 110 through the communication network. When the management program is provided, it may be omitted that the interface providing unit 205 provides the user interface to the employee terminal 250.

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

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

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

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

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

The serial number area information of the 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.

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

Here, it is preferable that the generated use card number of the use card information and the charge card number of the charge card information match one-to-one, and 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.

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 making apparatus 240, thereby using the use card information. And using the charge card and the charge card recording the charge card information on one or more card media to produce the charge / use card.

When the charge / use card is a charge / use detachable card for recording the charge card information and the use card information on different card media according to an embodiment of the present invention, the card manufacturing unit 220 is a card making apparatus 240 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 240 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 manufacturing unit 220 records the use card information on the IC chip through the card manufacturing apparatus 240, 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 manufacturing apparatus 240 and records the charge card information in the IC chip of the single card medium provided with the MS to charge / use the 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 the charge card constituting the charge / use integrated card are recorded by recording the use card information in the use card area on the IC chip through 240 and recording the charge card information in the charge card area on the IC chip. 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 ( It is preferable to manufacture the use card and the 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 the IC chip (or MS) through 240.

When the use card information and the charge card information are generated through the information generation unit 215, the information storage unit 225 stores the storage medium 245 in association with the charge card information and the use card information included in the charge / use card. ), 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 245 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 that is included in the card pack of the card delivery management server 235, 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 245 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.

In the following, the card making server 110 shown in FIG. 2 is referred to as "server" in FIG.

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

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

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.

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.

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 preferably generated by.

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. It is possible to be recorded on the IC chip (or MS) including the card 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 apparatus 240, 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 that records the charge card information and the use card information on different card media, the server may perform the card making apparatus 240 through the card making apparatus 240. 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 240 records the use card information on the track 2 of the MS and records the charge card information on the track 3 of the MS to produce a use card and a 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 manufacturing apparatus 240, 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 writes the use card information to the MS through a card making apparatus 240 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 operate the card making apparatus 240. 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 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 may use the card making apparatus 240. 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 245, 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 245 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 packs in one card pack to the card delivery management server 235, the customer who applied for the charge / use card or at least one predetermined charge / use card retailer (or affiliate) 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. Through the charge card contained processes to charge the charge amount for the use of said use 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 105 provided in 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 475 in association with the charge card information, if the person of ordinary skill in the art to which the present invention pertains, refer to FIG. Alternatively, it may be possible to infer various implementation methods for the charge / use card charging system configuration, but the present invention includes all the implementation methods inferred. The technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 4, the charge / use card charging system may include the charging terminal 105 provided at a charge / use card retailer (or an affiliated store) and the charge / use card manufacturing system shown in FIG. 2. Create a charge / use card and deliver it to the charge / use card store (or merchant), and use each charge / use card store (or merchant) with the charge card included in the charge / use card sold (or paid) to the customer. Charge the charge amount through the charging terminal 105 provided in the), 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 amount information Is stored in the storage medium 475 in association with the charging card information charging / using card charging server 120 and the charging terminal 105 and the charging / using card charging server 120 relay connection Including the baensa server 140 is characterized in that formed.

In FIG. 4, the charge / use card charging server 120 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 120 according to the present invention. Only, it will be apparent that the charge / use card charging server 120 may be implemented in a system form of a plurality of servers for each function 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 140 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 140 in the present invention. According to the charging / use card charging system implementation method, it is apparent that the bansa server 140 may be implemented in the form of a system consisting of a plurality of servers for each functional component.

The charging terminal 105, CAT is provided in the charge / use card store (or merchant) to sell (or pay) to the customer the charge / use card produced through the charge / use card manufacturing system shown in Figure 2 (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 105 includes at least one or more card readers for charging a charged amount, and reads card information from a charge card belonging to the charge / use card through the card reader, After inputting charging information (eg, charging amount) through a key input device, a communication network is generated by generating a charge / use card charging request message including the card information, the charging information, and the charging / use card retailer (or affiliated store) information. It is characterized in that the transmission to the bansa server 140 through.

The bansa server 140 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 105 provided in the charging / using card retailer (or an affiliated store) through a public communication network including at least one of a downlink packet access (WLAN) based wireless network, an IEEE 802.16x based portable Internet, and the like, The charging terminal 105 and the charging / use card charging server by connecting a communication channel with the charging / use card charging server 120 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 connection relay 120.

According to the embodiment of the present invention, the bansa server 140 receives the full charge / use card charge request encrypted with the bansa encryption key from the charging terminal 105, 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 120 to which the full charge / use card charge request message is transmitted (120). ), 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 120 and transmitted to the charge / use card charging server 120. It is preferable.

The charge / use card charging server 120 may produce the charge / use card through the charge / use card manufacturing system shown in FIG. 2 and sell the charge / use card to a customer through a charge / use card retailer (or an affiliate store). Payment), and checks the charge / use card including the charge card corresponding to the card information based on the card information included in the full charge / use card charge request received from the bansa server 140, and confirms The charge amount is charged to the charged / used card.

According to an embodiment of the present invention, the charge / use card charging server 120 is a full charge / use card charge request message (or the card) encrypted with the encryption key of the charge / use card charge server 120 from the bansa server 140. 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 105, the bansa server 140 and the charge / use card charging server 120 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 140 is an interface for connecting and managing a communication channel with a charging terminal 105 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 120 to transmit card information by reading card information and relaying the full charge / using card charging request information (or charging / using card charging request information); The information transmission unit 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 120, and the charge / use card charge server 120 from the charge / use card charge server 120. Charge / Use Information receiving unit 425 for receiving charge / use card charge result information (or charge / use card charge result preamble) including charge details corresponding to the full charge request message, and the communication unit in association with the interface unit 400. Characterized in that it comprises a specialized transmission unit 410 for transmitting the full charge / use card charging results including the charge history to the charging terminal 105 through.

The interface unit 400 stores the charge / use card store through a communication protocol corresponding to a communication network connecting the bansa server 140 and the charging terminal 105 provided at the charge / use card store (or affiliated store). Or a charging terminal 105 provided at an affiliated store) and a communication channel for transmitting and receiving a charge-related professional message, and maintaining and managing the communication channel until the professional transmission and reception is completed.

In the charging terminal 105 connected to the communication channel, the card information is read from the charge / use card through a card reader, the charge information (for example, the amount of charge) 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 105 is received.

If the full charge / use card charge request message is encrypted and transmitted from the charging terminal 105 through the Bansa encryption key, the full-text receiver 405 decrypts the encrypted charge / use card charge request message. It is preferable.

When the full charge / use card charge request message is received, the information checking unit 415 reads card information (eg, BIN of the charge card included in the charge / use card) included in the charge / use card charge request message. The charge / use card charge request message (or charge / use card charge request information) is characterized in that for checking the charge / use card charge server 120 to be relayed.

When the charge / use card charge server 120 to which the full charge / use card charge request message (or charge / use card charge request information) is relayed is confirmed by the information checker 415, the information transmitter 420 ) The charge / use card charge request message (or charge / use card charge request information) through the communication channel connected between the bansa server 140 and the charge / use card charge server 120 to charge / use the card. Characterized in that the transmission to the charging server (120).

Thereafter, the charge / use card charging server 120 performs a charge charging procedure through a charge card corresponding to the full charge / use card charge request message (or charge / use card charge request information), and establishes the communication channel. Sending the charge / use card charging result information (or full charge / use card charging results) including the charge history corresponding to the full charge / use card charge request (or charge / use card charge request information) through the information The receiver 425 may receive the charge / use card charge result information (or the full charge / use card charge result) from the charge / use card charge server 120 through the communication channel.

When the charge / use card charging result information (or full charge / use card charging result) is received from the charge / use card charging server 120, the specialized transmission unit 410 is connected to the interface unit 400. Characterized in that the full charge / use card charging results including the charge history through the communication channel to the charging terminal 105, wherein the interface unit 400 is the full charge / use card charging results It is preferable to further perform the process of verifying that the transmission to the charging terminal 105.

According to the present invention, the charge / use card charging server 120 stores the charge card information and charge card information included in the charge / use card produced through the charge / use card manufacturing system shown in FIG. Stored in the medium 475 and provided with the storage medium 475 in association with the charge card information with the charge amount information through the charging card, or interworking with a DBMS operating the storage medium 475, or It is preferable to link with a DB server (not shown) provided with a storage medium 475.

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 120 includes a communication unit 430 for connecting and managing a communication channel with the bansa server 140 through a communication network (for example, 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 140 and the received charge / use card charge request message in association with 430. 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 140.

The communication unit 430 transmits and receives a charging-related full text message (or information) with the bansa server 140 through a communication protocol corresponding to a communication network connecting the charge / use card charging server 120 and the bansa server 140. It is characterized by connecting the communication channel.

When the bansa server 140 transmits the full charge / use card charge request message (or charge / use card charge request information) through the communication channel, the receiving unit 435 cooperates 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 140 through the encryption key of the card company server, the receiving unit 435 is encrypted. It is desirable to decrypt the full charge / use card charge request (or charge / use card charge request information).

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

When the card information included in the full charge / use card charge request message (or charge / use card charge request information) is matched with the charge card information included in the charge / use card by the card information checker 445, The charging processor 450 activates the charging function of the identified charging card information and the use function of the use card associated with the charging card in association with the storage medium 475, and the charging card in the storage medium 475. The charge amount information included in the full charge / use card charge request message (or charge / use card charge request information) is added to the charge amount information stored in association with the information.

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

When the charge details are generated, the generation unit 460 generates charge / use card charge result information (or full charge / use card charge result) including the charge history, and the transmission unit 440 ) Transmits the generated charge / use card charging result information (or full charge / use card charging result) to the bansa server 140 through the communication channel in connection with the communication unit 430.

Referring to FIG. 4, the charge / use card charging server 120 connects the card issuer's money management account with the financial company server 135 that operates the card issuer's money management account during the charging process. And a virtual account establishment unit 465 (or virtual account establishment means) for establishing a virtual account for each use card associated with the use card of the charge / use card, and after the charging process, charge the charge / use card. It is characterized in that it comprises a payment settlement unit 470 (or payment settlement means) for the settlement processing to deposit the charge amount charged through the card to the virtual account for each use card associated with the charge card.

When the charge processing unit 450 is charged for the recharge amount, the virtual account opening unit 465 is linked with the financial company server 135 that operates the fund management account of the card issuer, the funds of the card issuer In the form of additional information ledger of the account ledger corresponding to the operational account, the virtual account ledger using the fund management account as a parent account may be generated and connected to the account ledger corresponding to the fund management account.

Here, the virtual account ledger is linked to the use card information, the use card information associated with the virtual account in the basic ledger information including virtual account information (for example, parent account (= fund management account) number, virtual account number) Preferably comprises a ledger information area for storing the charged card information and the charged amount information charged through the charged card.

In addition, the virtual account ledger, the transaction history for managing the charge amount charged through the charge card associated with the use card of the charge / use card, and the transaction approved through the use card of the charge / use card It is preferable to further comprise a ledger information area (not shown) for storing the virtual account deposit / withdrawal details including the settlement of the amount.

When the account ledger corresponding to the funds management account and the virtual account ledger are connected, the virtual account opening unit 465 may be linked with the financial company server 135 in the virtual account ledger with the virtual account information (for example, a mother account (= By processing to store the use card information associated with the virtual account in the basic ledger information, including the funds management account) number, virtual account number), the virtual account for each use card corresponding to the use card of the charge / use card It is characterized by establishing.

According to an embodiment of the present invention, the virtual account opening unit 465 may further store the charge card information associated with the use card in the virtual account ledger, and store the charge card information according to the intention of those skilled in the art. If the amount charged through the charge card is deposited in the virtual account for each use card, may be stored in the virtual account ledger.

When the charge for the charge amount is processed by the charge processor 450, the charge settlement unit 470 corresponds to the charge of the charge / use card after the sale (or payment) of the charge / use card The charge amount paid by the customer is settled from the charge / use card retailer (or affiliated store) to a virtual account for each use card corresponding to the use card associated with the charge card of the charge / use card.

According to the implementation method of the present invention, the charge settlement unit 470 is the charging terminal 105 (or charging / use card store (or merchant) communication means) provided in the charge / use card retailer (or affiliated store) said Provides virtual account information for each use card established by the virtual account opening unit 465, and charges / uses based on a deposit / withdrawal history of the virtual account information for each use card in connection with the financial institution server 135. It is desirable to check whether the charge amount (ie, the amount paid by the customer who purchased (or received) the charge / use card) has been received through the charge card of the charge / use card from a card retailer (or a merchant). .

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 470 is Preferably, the storage medium 475 adds the payment settlement confirmation information for the charge amount to the charge amount information stored in association with the charge card information.

In addition, the charge settlement unit 470 charges the charge fee of the charge / use card retailer (or merchant) from the charge amount charged through the charge card of the charge / use card (or merchant) 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.

When the amount charged by the charge settlement unit 470 through the charge card of the charge / use card is deposited into a virtual account for each use card corresponding to the use card associated with the charge card (that is, in the charge amount When the corresponding funds are deposited into the fund management account which is the parent account of the virtual card for each use card, the payment settlement unit 470 corresponds to the charging card information (that is, the virtual account for each use card) that charged the charged amount. Charge card information associated with the use card information) and the charge amount information, and the charge card information and the charge amount information in the virtual account ledger corresponding to the virtual account for each use card in association with the financial institution server 135. It characterized in that the processing to be stored.

In more detail, FIG. 5 is a charge / use card charge shown in FIG. 4 based on a charge / use card produced through the charge / use card manufacturing system shown in FIG. 2 and sold (or paid) to a customer. When the charging terminal 105 generates a full charge / use card charge request message on the system and transmits it to the Bansa server 140, the full charge / use card charge request message (or charge / use card charge request) is sent from the bansa server 140. Information) shows the process of relay transmission to the charge / use card charging server 120, and a person of ordinary skill in the art to which the present invention pertains refers to and / or modifyes the figure 5 to charge the charge. It is possible to infer various implementation methods for the charge request process of the use / use card, 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 105 on the offline charging / using card charging system shown in FIG. 4 reads card information from the charging / using card through a card reader, and charges information through a key input means. For example, enter the charge amount (500), the full charge / use card charge request including the input card information and charging information and the charge / use card retailer (or merchant) information stored in the charging terminal 105 Create 505.

Thereafter, the charging terminal 105 connects a communication channel for professional transmission and reception with the bansa server 140 through the communication network (eg, a public communication network) (510).

If the communication channel is connected (515), the charging terminal 105 transmits the full charge / use card charge request message to the bansa server 140 via the communication channel (520) and correspondingly The bansa server 140 receives the full text of the charge / use card charge request transmitted from the charging terminal 105 through the communication channel (525).

According to an embodiment of the present invention, when the full charge / use card charge request is encrypted and transmitted from the charging terminal 105 through the bansa encryption key, the bansa server 140 uses the encrypted charge / use. It is desirable to decrypt the full card charge request.

Thereafter, the bansa server 140 checks the card information included in the full charge / use card charge request message (530).

According to an embodiment of the present invention, the bansa server 140 may further check the charging information and the charge / use card retailer (or affiliated store) information included in the full charge / use card charge request, and thereby the present invention. This is not limited.

Thereafter, the bansa server 140 reads the checked card information and checks the charge / use card charging server 120 to transmit the full charge / use card charge request message (535).

According to an embodiment of the present invention, the bansa server 140 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 120.

If the charge / use card charge server 120 relays the full charge / use card charge request message, the bansa server 140 charges the charge / use card charge server 120 to the checked charge / use card charge server 120. / Relays transmission of the usage card charge request message (or charge / use card charge request information including the card information included in the charge / use card charge request message and charge / use card retailer (or affiliated store) information); (545).

In more detail, when FIG. 6 receives the full charge / use card charge request (or charge / use card charge request information) to the charge / use card charge server 120 through the charge request process shown in FIG. 5, The charging / use card charging server 120 is a process for charging a charge amount to be used through a charge / use card charge request card (or charge / use card charge request information) through the charge / use card charge request information. However, one of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 6 to infer various implementation methods for the charge processing process of the charge / use card. It is made to include all the implementation methods inferred, the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 6, through the charging request process illustrated in FIG. 5, the charge / use card charging server 120 receives a full charge / use card charge request message (or charge / use card charge request information) (600). ).

According to an embodiment of the present invention, when the full charge / use card charge request message (or charge / use card charge request information) is encrypted and transmitted from the bansa server 140 through the encryption key of the card company server, the charge / use card The usage card charging server 120 may decrypt the encrypted charge / use card charge request message (or charge / use card charge request information).

Thereafter, the charge / use card charging server 120 may include card information, charge information, and charge / use card retailer (or merchant) information included in the full charge / use card charge request message (or charge / use card charge request information). In operation 605, the confirmed card information is matched with the charge card information included in the charge / use card that is produced through the charge / use card manufacturing system shown in FIG. 2 and sold (or paid) to a customer. Check if it is (610).

If the card information does not match the card information included in the charge / use card, which is produced through the charge / use card manufacturing system shown in FIG. 2 and sold (or paid) to the customer (615). ), The charge / use card charging server 120 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 140 (620). In response, the bansa server 140 transmits the full charge / use card charging result including the charging error information to the charging terminal 105 through a communication channel connected to the charging terminal 105 and outputs the full charge / use card charging result 105 ( 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 use card charging server 120 uses the card issuer's money management account as a parent account in connection with the financial company server 135 that operates the fund management account of the card issuer, and uses the card associated with the use card of the charge / use card. A virtual account for each card is opened (630).

According to an embodiment of the present invention, the charge / use card charging server 120 is linked with the financial company server 135 in order to open a virtual account for each use card, the account corresponding to the fund management account of the card issuer. Additional information of the ledger In the form of a ledger, it is preferable to generate a virtual account ledger using the fund management account as a parent account and process the connection to the account ledger corresponding to the fund management account.

When the account ledger corresponding to the fund management account and the virtual account ledger are connected, the charge / use card charging server 120 is linked to the financial institution server 135 to the virtual account ledger with virtual account information (eg, a parent account). By processing so that the use card information associated with the virtual account is stored in the basic ledger information including (= fund management account number, virtual account number), the virtual card for each use card corresponding to the use card of the charge / use card is processed. It is desirable to open an account.

According to an embodiment of the present invention, the charge / use card charging server 120 preferably stores the charge card information associated with the use card in the virtual account ledger further, and stores the charge according to the intention of those skilled in the art. The card information may be stored in the virtual account ledger when the amount charged through the charging card is deposited into the virtual account for each use card.

If a virtual account for each use card in which the charged amount is deposited is established (635), the charge / use card charging server 120 is connected with the storage medium 475 and the charging function of the confirmed charge card information and the Activate the use function of the use card associated with the charge card, the full charge / use card charge request (or charge / use card charge request information) to the charge amount information stored in association with the charge card information in the storage medium 475 The amount of charge included in the information is added and stored (640).

Thereafter, the charging / using card charging server 120 generates a charging history including the charging / using card charging result (645).

Thereafter, the charge / use card charging server 120 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 140 (650) In response, the bansa server 140 transmits the full charge / use card charging result including the charging history to the charging terminal 105 through a communication channel connected to the charging terminal 105 and outputs it to the charging terminal 105 ( 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 135.

Accordingly, the charge / use card charging server 120 is linked to the financial company server 135 from the charge / use card retailer (or affiliated store) to the established use card virtual account for the charge amount (for example, the customer pays). In operation 655, a charge amount or a charge amount of the charge / use card retailer (or an 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 charging / use card charging server 120 is a charging terminal 105 (or charging / use card retailer (or affiliated store) communication means) provided in the charging / use card selling store (or affiliated store). Provide the virtual account information for each of the opened use cards, and from the charge / use card retailer (or affiliated store) based on the deposit / withdrawal history of the virtual account information for each use card in connection with the financial company server 135. It is preferable to check whether the charge amount charged through the charge card of the charge / use card (that is, the amount paid by the customer who purchased (or paid) the charge / use card) has been deposited.

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 / use card charging server 120 ) Is preferably stored in the storage medium 475 by adding payment settlement confirmation information for the charge amount to the charge amount information stored in association with the charge card information.

In addition, the charge / use card charging server 120 charges the charge / use card retailer (or affiliate) a charging fee from the charge / use card retailer (or merchant) from the charge amount charged through the charge card of the charge / use card. It is preferable to process the deposit to the account of the merchant name, and when the charge / use card retailer (or the merchant) deposits a limited amount of the charging fee, the charging fee deposit process may be omitted.

If the amount charged by the charge / use card charging server 120 through the charge card of the charge / use card is deposited into a virtual account for each use card corresponding to the use card associated with the charge card (that is, the When the funds corresponding to the charged amount is deposited into the fund management account which is the parent account of the virtual card for each use card) 660, the charge / use card charging server 120 charges the charged card information (ie, Recharge card information associated with the use card information corresponding to the virtual account for each use card) and the charge amount information, and the virtual account ledger corresponding to the virtual account for each use card in association with the financial institution server 135. The charging card information and the charging amount information are stored in step 665.

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, FIG. 7 is provided through the client terminal 100 using a charge card included in a charge / use card manufactured and sold to (or paid to) a customer through the charge / use card manufacturing system shown in FIG. To charge the charge amount by connecting to the charge / use card charging server 120 in a non-face-to-face manner, and when the charge amount is charged, 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 750 in association with the charge card information, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to FIG. Reference may be made to and / or modified to infer various implementation methods for the charge / use card charging system configuration, but the present invention is directed to all implementation methods inferred from the above. It is made, including, and the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 7, the charge / use card charging system may use a client terminal 100 used by a customer who has purchased (or received) a charge / use card produced through the charge / use card manufacturing system shown in FIG. 2. And, through the charge / use card production system shown in Figure 2 to produce the charge / use card to deliver to the customer who applied for the charge / use card retailer (or merchant) to the charge / use card, Allow the customer to charge the charged amount using the charge card included in the charge / use card through the client terminal 100, and when charging the charged amount, the charge card charged with the charged amount, and associated with the charge card And a charge / use card charging server 120 for activating the used card and storing the charge amount information in the storage medium 750 in association with the charge card information. Characterized in that made.

In FIG. 7, the charge / use card charging server 120 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 120 according to the present invention. Only, it will be apparent that the charge / use card charging server 120 may be implemented in a system form of a plurality of servers for each function 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 100 uses a Transmission Control Protocol / Internet Protocol (TCP / IP) -based wired communication network (eg, Asymmetric Digital Subscriber Line (ADSL) / Very High-data Rate Digital Subscriber Line (VDSL), or cable communication network). It comprises at least one wired terminal including a desktop computer or laptop connected to the information registration server through a communication, or a mobile communication terminal connected to a CDMA (Code Division Multiple Access) based mobile communication network, or HSDPA (High Speed) At least one wireless communication terminal connected to a Downlink Packet Access) based wireless communication network, a portable Internet terminal connected to IEEE 802.16x based high speed wireless Internet, or a wireless LAN terminal connected to an IEEE 802.11x based wireless LAN network 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 100 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 120. 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. 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 120 through a communication network. Program and communication function) is preferably provided.

Those skilled in the art to which the present invention pertains may easily infer the characteristics of the client terminal 100 including one or more of the wired terminal, the wireless terminal, or the TV device (not shown). Detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, when the client terminal 100 is a wired terminal, the communication network includes the TCP / IP based wired communication network, and when the client terminal 100 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 120 may produce the charge / use card to be sold (or paid) to a customer through the charge / use card manufacturing system shown in FIG. 2, and the client terminal 100. 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 120 receives charge / use card charge request information encrypted with an encryption key of the charge / use card charge server 120 from the client terminal 100. 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 100 and the charge / use card charging server 120 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 120 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 750 is stored in the medium 750, and the charge amount information through the charge card is provided with the storage medium 750 in conjunction with the charge card information, or in conjunction with a DBMS operating the storage medium 750, or It is preferable to interoperate with a DB server (not shown) provided with a storage medium 750.

According to an embodiment of the present invention, the charging / use card charging server 120 communicates with the client terminal 100 through the communication network to provide a web interface corresponding to the communication terminal with the client terminal 100. It characterized in that it comprises an interface unit 700 for connecting and managing, whereby the charge / use card charging server 120 is connected to the client terminal 100 via 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 100 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 100 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 output to the client terminal 100 through the communication channel. And, it is preferable to perform a function of receiving and processing the charge / use card charge request information input (or selected) through the charge / use card charge interface from the client terminal (100).

According to another exemplary embodiment of the present invention, when the client terminal 100 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 100 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 100 through the communication channel. It is preferable to perform a function of transmitting and outputting an interface and receiving and charging the charge / use card charge request information corresponding to the charge / use card charge interface from the client terminal 100.

According to another exemplary embodiment of the present invention, when the client terminal 100 is a wireless terminal to which a communication channel is connected through an IEEE 802.16x based wireless communication network, the interface unit 700 may be connected to the client terminal 100. A communication channel is connected based on a wireless protocol corresponding to the IEEE 802.16x standard, a charging / using card charging interface is transmitted to the client terminal 100 through the communication channel, and is outputted, from the client terminal 100. 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 100 is connected to a communication channel through an IEEE 802.11x based wireless communication network. In case of a wireless terminal, the interface unit 700 corresponds to the client terminal 100 and the IEEE 802.11x standard. Connect a communication channel based on a wireless protocol, transmit and output a charge / use card charging interface to the client terminal 100 through the communication channel, and transmit the output from the client terminal 100 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 120 requests a charge / use card charge by connecting a client terminal 100 to the charge / use card charge server 120 through the interface unit 700. When the information registration request, in conjunction with the interface unit 700, the client terminal 100 charges the charge / use card including card information, charge amount information and charging means information corresponding to the charge card of the charge / use card 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 100 in cooperation with the interface unit 700. And an information receiving unit 710 for receiving charging / using card charging request information transmitted by inputting (or selecting) through the charging / using card charging interface. Characterized in that eojineun.

The interface providing unit 705 has a functional configuration (eg, provided in the client terminal 100 when the client terminal 100 is connected to the charge / use card charging server 120 through the interface unit 700). Charge / use card that can input (or select) the charge / use card charge request information corresponding to a browser program provided in the client terminal 100 and transmit the charge / use card charge server 120 to the charge / use card charge server 120 through the communication network. A charging interface is generated or extracted from a database (not shown), and the generated / or used card charging interface is linked to the client terminal 100 through the communication network in association with the interface unit 700. It is characterized by providing.

Thereafter, the client terminal 100 charge / use card charge request information including card information, charge amount information, and charging means information corresponding to the charge card of the charge / use card based on the charge / use card charge interface. Is input (or selected), and when it is confirmed that the charging / use card charging request information is input (or selected), the client terminal 100 charges the input / or charging card using the input (or selection) through the communication network. The request information is transmitted to the charge / use card charging server 120.

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 100 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 120, a detailed description thereof will be omitted for convenience.

The information receiving unit 710 inputs (or selects) charging / using card charging request information from the client terminal 100 through the charging / using card charging interface and transmits it through the communication network. It is characterized in that for receiving the charge / use card charge request information in conjunction with.

Referring to FIG. 7, the charge / use card charging server 120 may generate card information included in the received charge / use card charge request information through the charge / use card manufacturing system shown in FIG. 2. A card information checking unit 715 for checking whether the card information is included in the charge / use card sold (or paid) to the customer, and the card information matching the charge card information included in the charge / use card. When the charge amount is charged to the charge / use card 720 (or charge / use card charging means), and a history generating unit 725 for generating a charge history including the charge / use card charging results A generation unit 730 for generating charging / use card charging result information including the charging history, and the generated charging / use card charging result information through the communication channel in association with the communication unit; Characterized in that formed by an information transmitting unit 735 to transmit to the client terminal 100.

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 ( 750 to activate the charging function of the confirmed charging card information and the use function of the use card associated with the charging card, and charge the charge amount information stored in association with the charging card information on the storage medium 750 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 100 through a channel.

Referring to FIG. 7, the charge / use card charging server 120 connects the fund issuer of the card issuer with the financial company server 135 that operates the fund management account of the card issuer. A virtual account establishment unit 740 (or a virtual account establishment means) for setting up a virtual account for each use card associated with a use card of the charge / use card, as a parent account, and after the charging process, It is characterized in that it comprises a reimbursement settlement unit 745 (or reimbursement settlement means) for settlement processing to deposit the charged amount charged through the recharge card in the virtual account for each card used in connection with the recharge card.

When the charging processing unit 720 is charged for the recharge amount, the virtual account opening unit 740 is linked with the financial company server 135 that operates the fund management account of the card issuer of the card issuer In the form of additional information ledger of the account ledger corresponding to the operational account, the virtual account ledger using the fund management account as a parent account may be generated and connected to the account ledger corresponding to the fund management account.

In addition, the virtual account ledger, the transaction history for managing the charge amount charged through the charge card associated with the use card of the charge / use card, and the transaction approved through the use card of the charge / use card It is preferable to further include a ledger information area (not shown) for storing the virtual account deposit / withdrawal history including the settlement details for the transaction amount.

When the account ledger corresponding to the funds management account and the virtual account ledger are connected, the virtual account opening unit 740 is linked with the financial company server 135 to the virtual account ledger in the virtual account ledger (for example, the parent account (= By processing to store the use card information associated with the virtual account in the basic ledger information, including the funds management account) number, virtual account number), the virtual account for each use card corresponding to the use card of the charge / use card It is characterized by establishing.

According to the embodiment of the present invention, the virtual account opening unit 740 preferably stores the charging card information associated with the use card in the virtual account ledger further, and stores the charging card information according to the intention of those skilled in the art. If the amount charged through the charge card is deposited in the virtual account for each use card, may be stored in the virtual account ledger.

In addition, when the charge for the charge amount is processed by the charge processor 720, the charge settlement unit 745 after the sale (or payment) of the charge / use card, the financial company server 135 In response to the charging of the charge / use card, the charge amount paid by the customer is characterized in that the settlement processing of the virtual account for each use card corresponding to the use card associated with the charge card of the charge / use card.

According to the method of the present invention, the charged 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 the virtual account for each use card opened in the card issuer It is preferable that the money transferred or the approved amount of payment from the payment means corresponding to the charging means of the customer is transferred to the virtual account for each use card, and the payment settlement unit 745 corresponds to the customer for the charging means information. It is preferable to check the charging means of, and to process the charging amount to be transferred to the virtual account for each use card through the charging means.

If it is confirmed that the charge amount charged from the charging means through the charge card of the charge / use card is transferred to the virtual account for each use card, the charge settlement unit 745 is the storage medium 750 to the It is preferable to add the charge settlement confirmation information for the charge amount to the charge amount information stored in association with the charge card information.

When the amount charged by the charge settlement unit 745 through the charge card of the charge / use card is deposited into a virtual account for each use card corresponding to the use card associated with the charge card (that is, in the charge amount) When the corresponding funds are deposited into the fund management account which is the parent account of the virtual card for each use card, the payment settlement unit 745 corresponds to the charging card information (that is, the virtual account for each use card) that charged the charged amount. Charge card information associated with the use card information) and the charge amount information, and the charge card information and the charge amount information in the virtual account ledger corresponding to the virtual account for each use card in association with the financial institution server 135. It characterized in that the processing to be stored.

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 100 on the card charging system generates charge / use card charging request information and transmits the charge / use card charging server 120 in a non-face-to-face manner, the charge / use card charging server 120 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 120 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 100 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 connecting the 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).

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 100 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 In connection with the financial company server 135 that operates the fund management account of the card issuer, the card issuer's money management account is set as a parent account, and a virtual account for each use card associated with the use card of the charge / use card is opened. 860).

According to an embodiment of the present invention, in order to open a virtual account for each credit card, the server is linked to the financial company server 135 in the form of an additional information ledger of an account ledger corresponding to the fund management account of the card issuer. It is preferable to generate a virtual account ledger with a fund management account as a parent account and process it to be linked with an account ledger corresponding to the fund management account.

When the account ledger corresponding to the fund management account and the virtual account ledger are connected, the server is linked with the financial institution server 135 to the virtual account ledger with virtual account information (for example, a parent account (= fund management account) number, It is preferable to open a virtual account for each use card corresponding to the use card of the charge / use card by processing to store the use card information associated with the virtual account in the basic ledger information including the virtual account number).

According to the method of the present invention, the server preferably stores the charge card information associated with the use card in the virtual account ledger further linked, the charge card information through the charge card according to the intention of those skilled in the art When the charged amount is deposited into the virtual account for each use card, it may be stored in the virtual account ledger.

If a virtual account for each use card in which the recharge amount is deposited is established (865), the server is connected with the storage medium 750 to charge the checked charge card information and the use of the charge card associated with the charge card. A usage function is activated, and the charge amount information included in the charge / use card charge request information is added to the charge amount information stored in association with the charge card information in the storage medium 750 in operation 870.

Thereafter, the server generates a charge history including the charge / use card charge result (875).

Thereafter, the server generates charging / use card charging result information including the charging history and transmits the result to the terminal (880), and correspondingly, the terminal charges / uses including the charging history through the communication channel. The card charging result information is received and output (855).

According to an embodiment 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 and transferred to the virtual account for each use card, or Preferably, the approved amount of payment from the payment means corresponding to the charging means is transferred to the virtual account for each use card.

Therefore, the server checks the charging means information (for example, customer account information, or payment information of the customer) of the customer included in the full charge request (885), and if the charging means information of the customer is confirmed (890) In connection with the financial company server 135, the settlement amount is transferred to the virtual account for each used card through the charging means of the customer and settles (892).

If it is confirmed from the charging means that the charge amount charged through the charge card of the charge / use card is transferred to the virtual account for each use card, the server in association with the charge card information to the storage medium 750 Preferably, the stored payment amount information is added with the payment settlement confirmation information for the charged amount.

If the amount charged by the charge / use card charging server 120 through the charge card of the charge / use card is deposited into a virtual account for each use card corresponding to the use card associated with the charge card (that is, the When funds corresponding to the recharge amount are deposited into the fund management account which is the parent account of the virtual account for each use card (z94), the server corresponds to the recharge card information (that is, the virtual account for each use card) that charged the recharge amount. Charge card information associated with the use card information) and the charge amount information, and the charge card information and the charge amount information in the virtual account ledger corresponding to the virtual account for each use card in association with the financial institution server 135. Process so that is stored (z96).

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. In the charge / use card filled with the amount, the charge / use card transaction system for registering the BIN information assigned to the use card of the charge / use card with the company used for payment / financial transactions, the present invention Those skilled in the art will be able to infer various implementation methods for the charge / use card transaction system configuration by referring to and / or modifying the drawing 9, but the present invention is intended to implement all the inferred embodiments. It is made, including the method, the technical features are not limited only to the implementation method shown in FIG.

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

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 145 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 145, 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 145 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 125 for operating the charge / use card with the charged amount charged through the charge / use card charging system shown in FIG. 4 or FIG. 7 and the authorization request transmitted from the affiliated store terminal 145. It characterized in that it comprises a bansa server 140 for transmitting the full-length relay to the professional relay target.

In FIG. 9, the bansa server 140 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 140 in the present invention, and the intention and charge / Obviously, the bansa server 140 may be implemented in the form of a system consisting of a plurality of servers for each functional component, or may be in the form of an internal component of the server provided in the bansa. It is to be revealed.

In addition, although the card issuer server 125 is illustrated as one server in FIG. 9 for convenience, this is merely one implementation method for efficiently describing the technical features of the card issuer server 125 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 125 may be implemented in a system form consisting of a plurality of servers for each function component, or may be provided inside the server provided in the card issuer. It is clear that it may be spherical in component form.

The affiliated store terminal 145 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 145 includes at least one card reader for card payment processing, and 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 140 through a communication network.

The bansa server 140 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 145 provided in the affiliated store, the communication channel, x.25 based communication network, encryption / It is characterized by connecting the affiliated store terminal 145 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, if the card information included in the approval request is a card issued by a domestic card company (or a financial company), the bansa server 140 receives the approval request message received from the affiliated store terminal 145. It is preferable to relay transmission to the server provided in the domestic card company (or financial company).

According to the embodiment shown in Figure 9, the bansa server 140 stores the BIN information assigned to the use card of the charge / use card in the card company BIN D / B (not shown), thereby the bansa server The professional relay target server 140 is characterized in that the card issuer server 125 for operating the charge / use card is included.

According to an embodiment of the present invention, the bansa server 140 receives the full approval request message encrypted with the bansa encryption key from the merchant terminal 145, decrypts the full approval request message with bansa decryption key, and decrypts the decryption. Read the Bank Identification Number (BIN) on the card information included in the approved authorization request message to check the specialized relay target server to which the authorization request message is transmitted, and decode the authorization result message on the confirmed specialized relay target server. It is preferable to encrypt with an encryption key that is present and to transmit to the specialized relay target server.

The card issuer server 125 is a server that processes the payment / financial transaction through the use card of the charge / use card in the card issuer that produces and sells (or pays) the charge / use card ( Or device), the card issuer is a card company (or financial company) that issues a conventional payment card, or preferably comprises a separate charge / use card issuer that operates the charge / use card.

When the card issuing server 125 is a server provided at a card company (or financial company) according to an embodiment of the present invention, the card issuing server 125 is provided to the full text of the request for approval received from the bansa server 140. 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 140. When the information is a use card of the charge / use card, use card information corresponding to the card information included in the authorization request text and charge / use associated with the use card information Checking the charge card information of the use card, the charge amount information charged through the charge card, and processing the approval for the transaction amount contained in the full text of the authorization request through the charge amount information charged through the charge card It features.

According to the method of the present invention, the card issuing server 125 receives the full text of the authentication result encrypted with the encryption key of the card issuing server 125 from the bansa server 140 and decrypts the entire text of the request for approval. It is preferable to check the included card information and transaction information and merchant information.

When the card information is a domestic credit card according to an embodiment of the present invention, the card issuer server 125 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 125 checks a transaction approval limit amount (for example, the balance of the linked account) for the charge / use card. By comparing the transaction approval limit amount with the transaction amount included in the transaction information, when the transaction approval limit amount is larger than the transaction amount, it is preferable to approve the transaction.

Those skilled in the art to which the present invention pertains, the technical features of the merchant terminal 145, the bansa server 140 and the card issuer server 125 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 140 stores the card company BIN D / B in association with BIN information on the domestic card issued by a domestic card company or a financial company, and card company (or financial company) server information corresponding to the BIN information. It is characterized by including (not shown).

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

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

According to the embodiment shown in FIG. 9, the BIN information stored in the card company BIN D / B is produced and sold to the customer in addition to the BIN information corresponding to the card issued by the domestic issuer. Or BIN information corresponding to the used card of the charged / used card), whereby the Bansa server 140 receives the approval based on the BIN information stored in the card company BIN D / B. 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 among the card information included in the request.

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 140 may include an interface unit 900 for connecting and managing a communication channel with an affiliated store terminal 145 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. A professional relay target confirmation unit 915 (or card confirmation unit) for confirming a special relay target server to relay a full message, and an approval request specialized transmission unit for transmitting the approval request message to the identified professional relay target server 920. (Or a professional relay 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. It is characterized in that it is provided with an authorization result transmission unit 910 for transmitting the authorization results including the transaction history to the affiliated store terminal 145 through a communication channel in conjunction with the ES 900.

The interface unit 900 transmits and receives specialized transaction-related transmission and reception with the affiliated store terminal 145 provided at the affiliated store through a communication protocol corresponding to a communication network connecting the bansa server 140 and the affiliated store terminal 145 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 145 to which the communication channel is connected reads card information from the charge / use card through a card reader and transaction information (eg, transaction amount information, merchant information (or charge / use card use) through a key input device. After inputting the target terminal information), 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. It is characterized in that for receiving the full text of the approval request from the affiliated store terminal 145 in connection with the unit 900.

If the approval request message is encrypted and transmitted from the affiliated store terminal 145 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 approval request is a domestic card, the specialized relay target server preferably includes a card company server or a financial company server 135 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 the BIN information of the use card of the charge / use card and transfers the card issuer server 125 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 140 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 expert relay target server, the approval result message transmission unit 910 is connected to the interface unit 900 to receive the approval result message including the transaction history through the communication channel. Characterized in that the transmission to the affiliated store terminal 145, wherein the interface unit 900 preferably further performs the process of verifying that the full text of the approval result is transmitted to the affiliated store terminal 145.

When the card issuing server 125 is a server provided in a card company (or financial company) according to an embodiment of the present invention, the card issuing server 125 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 a payment card issued by the card issuer and a use card of the charge / use card among BIN information assigned to the card issuer. Or BIN information for domestic cards.

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

According to the present invention, the card issuer server 125 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 998 for storing, or interworking with a DBMS operating the card management D / B 998, or provided with the card management D / B 998 (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 issuer server 125 includes a transaction history D / B 995 for storing the transaction approved transaction history information when the transaction is authorized through a card issued by the card issuer. Alternatively, it is preferable to interwork with a DBMS operating the transaction history D / B 995 or to a DB server (not shown) provided with the transaction history D / B 995.

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 998, and preferably includes a card number, and the card management D / B 998 through the card information. The transaction history D / B 995 is preferably linked in a relational manner.

The transaction approval date and time may include date and time information of the transaction approval process of the transaction amount through the card in the card issuer server 125.

The transaction approval amount is preferably made by the card issuer server 125 to include information on the amount of transaction approved 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 125 when the transaction is approved through the card.

Referring to FIG. 9, the card issuer server 125 may include a communication unit 930 for connecting and managing a communication channel with the bansa server 140 through a communication network (for example, a dedicated communication network), and the communication unit 930. A payment unit 935 (or a professional receiving means) for receiving the full text of the approval request from the bansa server 140 and the card information included in the received full text of the authorization request issued by the card issuer. A card information checking unit 945 (or card checking means) for checking whether the card is a card or a use card of the charge / use card, and when the card information is confirmed (or recognized) by a payment card issued by the card issuer A card transaction approval unit 950 for confirming a transaction approval limit amount corresponding to the card information and approving a transaction for a transaction amount included in the approval request message through the identified transaction approval limit amount; Create 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 140 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 further comprises a transaction history storage unit 955 for storing in the transaction history D / B (995).

The communication unit 930 connects the communication channel for transceiving a professional transaction with the bansa server 140 through a communication protocol corresponding to the communication network connecting the card issuer server 125 and the bansa server 140. It features.

When the bansa server 140 transmits the full text of the approval request through the communication channel, the receiving unit 935 is connected to the communication unit 930 and includes at least one or more 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 140 through the encryption key of the card company server, the receiving unit 935 preferably decrypts the encrypted approval request message.

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

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

If the card information is confirmed (or recognized) by the payment card issued by the card issuer, the card transaction approval unit 950 is provided in connection with the card information in the card management D / B (998) The transaction approval limit amount corresponding to the limit information is checked, and the transaction for the transaction amount included in the approval request is based on the identified transaction approval limit amount.

According to the implementation method of the present invention, the card transaction approval unit 950, in order to confirm the transaction approval limit amount, first associates with the card management D / B 998, the transaction attribute corresponding to the card information (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 institution server 135 (not shown) as the transaction approval limit amount for the card.

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

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

According to an exemplary embodiment of the present invention, when the card includes a postpaid transaction attribute (for example, credit card transaction attribute), the card transaction approval unit 950 schedules in connection with the transaction history D / B 995. 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. It is characterized in that the transmission of the generated approval result through the bansa server 140.

In addition, when the transaction for the transaction amount is approved by the card transaction approval unit 950, the transaction history storage unit 955 is the card information included in the transaction history generated by the transmission unit 940, The transaction history information including at least one or more transaction approval date, transaction authorization amount, merchant information and transaction approval information may be stored in the transaction history D / B 995.

Referring to FIG. 9, when the card issuing server 125 is identified as a use card of the charge / use card included in the approval request message received through the receiving unit 935, the card issuer server 125 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 / charge information through the information checking unit 960 (or information checking means) for confirming the charge amount information charged through the charge card and the charge amount information charged through the charge card of the charge / use card. A transaction approval processing unit 965 (or a transaction approval processing means) that processes a transaction approval for a transaction amount (= transaction amount included in the authorization request text) using the use card of the use card, and the charge / use car The settlement target confirmation unit 980 (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 of the card. And linking the use card information (or the virtual account information corresponding to the virtual account for each use card) of the charge / use card, the transaction amount information, the confirmed document serial number, the affiliated store / terminal information, and the settlement target account information. And an information storage unit 985 (or information storage means) stored in the charge / use settlement D / B 997, wherein the transmission unit 940 has a transaction history corresponding to the transaction approval process. Characterized in that the complete transmission of the approval result, characterized in that for transmitting to the bansa server (140).

When the authorization request message including the card information and transaction information corresponding to the use card of the charge / use card is received through the reception unit 935, the information verification unit 960 receives the card information included in the authorization request message. It is characterized in that for checking the use card information including the BIN information assigned to the use card of the charge / use card of the BIN information assigned to the card issuer.

When the use card information of the charge / use card is confirmed, the information checking unit 960 checks the charge card information of the charge / use card associated with the use card information in association with the storage medium 996, 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 960 preferably further includes checking whether the use card information and the charging card information are activated in association with the storage medium 996.

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 960, the transaction approval processing unit 965 removes 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 965 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 965 may subtract the approved amount from the charged amount charged through the charging card in association with the storage medium 996.

The transaction amount using the charge / use card of the charge / use card through the charge amount information charged through the charge card of the charge / use card through the transaction approval processing unit 965 (= transaction amount included in the full approval request) 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 140 through the communication network, the bansa server 140 is characterized in that for transmitting the full text of the approval result to the merchant terminal 145.

The transaction amount using the charge / use card of the charge / use card through the charge amount information charged through the charge card of the charge / use card through the transaction approval processing unit 965 (= transaction amount included in the full approval request) If the transaction is approved, the settlement target confirmation unit 980 reads merchant information (or charging / use card use terminal information) of transaction information included in the approval request text, and signing up 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 ( 980 is preferably linked to the merchant D / B (not shown) to confirm the merchant / terminal information and settlement target account information for the transaction approval.

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 985 is a virtual card corresponding to the use card information of the charge / use card (or a virtual account for each use card). Account information), the transaction amount information, the confirmed document serial number, the affiliated store / terminal information, and the account information to be settled are stored in the charge / use settlement D / B 997.

Referring to FIG. 9, the card issuer server 125 transmits the full text of the approval result including the transaction approval information to the affiliated store terminal 145 through the bansa server 140 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 970 (or ticket purchase information generation means) to generate, 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 975 (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 includes a document number assigned to the full text of the approval request by the affiliated store terminal 145 which transmitted 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 145 through the bansa server 140, the ticket purchase information generation unit 970 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 975 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 140 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 issuer server 125 may settle the amount of information and the fee from the transaction amount information stored in association with the use card information (or virtual account information) in the charge / use settlement D / B 997. Settlement amount confirmation unit 990 (or settlement amount confirmation means) for confirming the information, the settlement amount information information and fee information to the use card information (or virtual account information), the document serial number, merchant / terminal information, And an information storage unit 985 (or information storage means) for storing in the charge / use settlement D / B 997 in association with the settlement target account information.

In response to the transaction approval through the use card of the charge / use card to the charge / use settlement D / B 997, use card information (or virtual account information) of the charge / use card and the transaction amount information and the confirmation After the document serial number, affiliated store / terminal information, and account information for settlement are stored in association, the settlement amount checking unit 990 uses credit card information (or virtual account information) in the charge / use settlement D / B 997. And calculating various fee amounts (eg, issuer preservation fee, bansa fee, etc.) corresponding to the stored transaction amount information, and subtracting the calculated fee amount from the transaction amount to confirm the settlement amount information. do.

According to an embodiment of the present invention, the settlement amount confirmation unit 990 generates the purchase information by the slip purchase information generation unit 970 or the purchase purchase information by the slip purchase processing unit 975. 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 checking unit 990 from the transaction amount information, the information storage unit 985 stores the confirmed settlement amount information and the fee information on the use card information (or virtual). Account information), the document serial number, merchant / terminal information, and the account information to be settled in the charge / use settlement D / B (997), characterized in that the sum of the settlement amount information and fee information It is preferable to match the transaction amount information.

10 is a diagram illustrating a transaction request process between an affiliated store terminal 145 and a bansa server 140 according to an exemplary embodiment of the present invention.

In more detail, in FIG. 10, if the full text of the authorization request is generated by the affiliated store terminal 145 on the charge / use card transaction system illustrated in FIG. 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 145 and bansa server 140, the present invention 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. 10, the merchant terminal 145 on the charge / use card transaction system shown in FIG. 9 reads card information from the customer card through a card reader, and transaction 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) (1000), including the input card information and transaction information and merchant information stored in the merchant terminal 145 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 145 connects the communication channel for professional transmission and reception with the bansa server 140 through the communication network (eg, a public communication network) (1010).

If the communication channel is connected (1015), the merchant terminal 145 transmits the approval request message to the bansa server 140 via the communication channel (1020), and correspondingly the bansa server 140 Receives the approval request message transmitted from the affiliated store terminal 145 through the communication channel (1025).

According to an embodiment of the present invention, when the approval request is transmitted in encrypted form at the affiliated store terminal 145 through the bansa encryption key, the bansa server 140 decrypts the encrypted approval request transcript. desirable.

Subsequently, the bansa server 140 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 135 that issues a domestic card corresponding to the card information. Do.

According to the embodiment shown in FIG. 9, the bansa server 140 reads the BIN information of the use card of the charge / use card to check the card issuer server 125 as the specialized relay target server. desirable.

If the specialized relay target server to relay the approval request message is confirmed (1040), the bansa server 140 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 125 according to an exemplary embodiment of the present invention.

In more detail, in Figure 11, through the transaction request process shown in FIG. 10, the card issuer server 125 on the charge / use card transaction system shown in FIG. In the case of the relay transmission, the card issuer server 125 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; or When the card is confirmed (or recognized) as the use card of the use card, the process of processing the transaction approval through the use card of the charge / use card is shown. Those skilled in the art will be able to infer various implementation methods for the transaction processing process of the card issuer server 125 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.

11, through the transaction request process shown in FIG. 10, the card issuing server 125 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. When transmitting, the card issuer server 125 receives the full text of the authorization request from the bansa server 140 (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 125 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 125 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 125 is the card information, transaction information and merchants included in the authorization request text Information is checked (1135), and the card management D / B 998 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 125 stores the credit limit amount information included in the card limit information. It is desirable to confirm with the transaction authorization limit amount on the card.

According to another exemplary embodiment of the present invention, when the card includes a debit transaction attribute (for example, a check card transaction attribute and a debit card transaction attribute), the card issuer server 125 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 135 (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 125 stores information on the amount of charge 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 125 determines the transaction attribute for 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 125 may schedule a schedule in connection with the transaction history D / B 995. 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 125 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 125 may execute the transaction approval limit amount (eg, , The balance of the linked account) and the transaction amount included in the transaction information to determine whether the transaction approval or transaction error for the transaction amount.

For example, when the transaction approval limit amount (for example, the balance of the linked account) is larger than the transaction amount, the card issuer server 125 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 125 performs 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 greater than the transaction amount, the card issuer server 125 preferably processes the transaction.

If the transaction approval processing result does not confirm the transaction approval for each transaction attribute (1155), the card issuer server 125 generates a full text of the authorization result including transaction error information and transmits it to the bansa server 140. In response thereto, the bansa server 140 transmits and outputs the full text of an approval result including the transaction error information to the affiliated store terminal 145 through a communication channel connected to the affiliated store terminal 145 (1165). .

On the other hand, if the transaction approval processing result of the transaction approval is confirmed (1155), the card issuer server 125 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.

Subsequently, the card issuer server 125 generates a full text of an approval result including the transaction history and transmits it to the bansa server 140 (1175). In response, the bansa server 140 is an affiliated store terminal 145. In step 1165, the authorization result message including the transaction history is transmitted to the affiliated store terminal 145 through a communication channel connected to the terminal.

In addition, the card issuer server 125 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 approval information. / B 995 stores it (1180).

More specifically, FIG. 12 shows the charging / using of the card issuer server 125 on the charge / use card transaction system shown in FIG. 9 through the transaction processing of the card issuer server 125 shown in FIG. When the authorization request message including 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 125. The process of processing the transaction approval for the transaction amount requested through the use card of the card, and those of ordinary skill in the art to which the present invention pertains, refer to and / or modify this drawing 12 to the charge / Various implementation methods for the transaction process through the use card of the use card may be inferred, but the present invention includes all the implementation methods inferred above. The technical features are not limited only to the implementation method shown on page 12.

Referring to Figure 12, through the transaction processing process of the card issuer server 125 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 125 on the card transaction system, the card issuer server 125 includes card information corresponding to the use card of the charge / use card from the bansa server 140 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. Use card information including the associated BIN information is checked (1205).

If the use card information including the BIN information associated with the allocation of the charge / use card to the use card of the BIN information assigned to the card issuer by reading the card information included in the authorization request full message is not confirmed ( 1210), the card issuer server 125 generates a full text of an authorization result including transaction error information and transmits the complete authorization result to the bansa server 140 (1215). The full text of the approval result is transmitted to the affiliated store terminal 145 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 among the BIN information allocated to the card issuer is read by reading the card information included in the authorization request full text (1210). In operation 1235, the card issuer server 125 checks whether the use card of the charge / use card is activated in association with the storage medium 996.

If the use card of the charge / use card is not activated (1240), the card issuer server 125 generates a full text of an authorization result including transaction error information and transmits it to the bansa server 140 (1215). The bansa server 140 transmits the full text of the approval result to the affiliated store terminal 145 through a communication channel connected to the affiliated store terminal 145 and outputs the complete certificate (S1230).

On the other hand, if the use card of the charge / use card is activated (1240), the card issuer server 125 is connected to the storage medium 996 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 125 generates a full text of an approval result including transaction error information. The bansa server 140 transmits the result to the bansa server 140 (1215), and the bansa server 140 transmits the full text of the approval result to the affiliated store terminal 145 through a communication channel connected with the affiliated store terminal 145 (1230). .

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 (1250), the card issuer server 125 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 implementation method of the present invention, the card issuer server 125 may charge the transaction amount (= transaction amount included in the full authorization request) and the charge / use card using the use card of the charge / use card. Compare the charge amount charged through the card, and if the charge amount is greater than the transaction amount, approve the transaction through the use card of the charge / use card; on the contrary, if the charge amount is larger than the transaction amount It is desirable to error-process a transaction through a use card of the charge / use card.

If a transaction for the transaction amount is not approved through the use card of the charge / use card (1260), the card issuer server 125 generates a full text of an authorization result including transaction error information to the bansa server 140. In operation 1215, the bansa server 140 transmits the full text of an approval result to the affiliated store terminal 145 through a communication channel connected to the affiliated store terminal 145 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 125 links the charge / use card of the charge / use card with the storage medium 996. 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 ( In operation 1270, the bansa server 140 transmits the full text of the approval result to the affiliated store terminal 145 through a communication channel connected to the affiliated store terminal 145, and outputs the generated certificate result at operation 1230.

Thereafter, the card issuer server 125 reads affiliate store information (or charge / use card use target terminal information) of the transaction information included in the full approval request, and stores the merchant / terminal information and settlement target account for the transaction approval. Check information and document serial number (1275)

When the merchant / terminal information and the settlement target account information and the document serial number for the transaction approval are confirmed, the card issuer server 125 corresponds to the use card information of the charge / use card (or a virtual account for each use card). Virtual account information), the transaction amount information, the confirmed document serial number, the affiliated store / terminal information, and the account information to be settled are stored in the charge / use settlement D / B 997 (1280).

In more detail, FIG. 13 illustrates a process of using a charge / use card of a charge / use card as shown in FIG. The process of purchasing the slip for the use card transaction in the card issuer server 125 on the transaction system, and if the person skilled in the art to which the present invention pertains, refer to FIG. 13 and / or It will be possible to infer various implementation methods for the domestic card-type slip purchase process for the use card transaction of the charge / use card by modifying, but the present invention includes all the implementation methods inferred, as shown in Figure 13 The technical features are not limited only to the illustrated embodiment.

For example, in FIG. 13, the card issuer server 125 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 the check purchase and request process in the bansa server 140 provided with the full approval result, and the present invention provides the bansa server 140. 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 997. Although the present invention is illustrated as being stored, the present invention is not limited thereto. The process of confirming the settlement amount information and the fee information and storing the information in the charge / use settlement D / B 997 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 125 charges the charge. Check whether the purchase of the slip for the transaction approval through the use card of the use card is performed (1300).

According to the exemplary embodiment of the present invention, the card issuer server 125 checks the transaction approval through the use card of the charge / use card when a predetermined period elapses after the transaction approval through the use card of the charge / use card. It is preferable to confirm by purchasing a slip.

According to the method of the present invention, the card issuer server 125 checks whether the slip is inserted in place of the card issuer server 125 and then uses the card of the charge / use card to the card issuer server 125. It is also possible to request the purchase of a slip for the transaction through the present invention, the present invention can be made by including a purchase request from the bansa server 140.

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 125 performs the 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 125 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 125 for the use card of the charge / use card The result of the document purchase is stored (1325).

Thereafter, the card issuer server 125 may provide various fee amounts (eg, issuers) corresponding to transaction value information stored in connection with the use card information (or virtual account information) in the charge / use settlement D / B 997. A storage fee, a bansa fee, etc.), calculates the settlement amount information by subtracting the calculated fee amount from the transaction amount (1330), and uses the confirmed settlement amount information and the fee information as the usage card information (or virtual). Account information), the document serial number, merchant / terminal information, and account information to be settled in the charge / use settlement D / B (997) (1335).

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

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 an affiliated store terminal 145 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 145, 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 145 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 125 for operating the charge / use card with the charged amount charged through the charge / use card charging system shown in FIG. 4 or FIG. 7 and the authorization request transmitted from the affiliated store terminal 145. It characterized in that it comprises a bansa server 140 for transmitting the full-length relay to the professional relay target.

In FIG. 14, the bansa server 140 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 140 in the present invention, and the intention and charge / The bansa server 140 may be implemented in the form of a system consisting of a plurality of servers for each functional component, or may be spherical in the form of an internal component of the server provided in the bansa according to the use card transaction system implementation method. It is obvious.

In addition, although the card issuer server 125 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 125 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 125 may be implemented in a system form consisting of a plurality of servers for each function component, or may be provided inside the server provided in the card issuer. It is clear that it may be spherical in component form.

According to an embodiment of the present invention, the affiliated store terminal 145 includes at least one card reader for card payment processing, and reads card information from a use card of the charge / use card through the card reader, and a key. After inputting transaction information (e.g., 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 140 through a communication network.

According to the embodiment shown in FIG. 14, the bansa server 140 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 140 is characterized in that the card issuer server 125 for operating the charge / use card is included.

When the card issuer server 125 is a separate charge / use card issuer operating the charge / use card according to an embodiment of the present invention, the card issuer server 125 is provided from the bansa server 140. 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. Characterized in that.

According to the method of the present invention, the card issuing server 125 receives the full text of the authentication result encrypted with the encryption key of the card issuing server 125 from the bansa server 140 and decrypts it and includes it in the full text of the request for approval. It is desirable to check the card information, transaction information and merchant information.

According to the embodiment illustrated in FIG. 14, the BIN information stored in the card company BIN D / B is produced and sold to the customer in addition to the BIN information corresponding to the card issued by the domestic issuer. Or BIN information corresponding to the used card of the charged / used card, wherein the bansa server 140 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 that is produced (or paid) by the card issuer and the customer.

Referring to FIG. 14, the bansa server 140 may include an interface unit 1400 for connecting and managing a communication channel with an affiliated store terminal 145 provided at the affiliated store through a communication network (eg, a public communication network), and the interface. The approval request message receiving unit 1405 (or a specialized receiving means) for receiving the approval request message through the communication channel in association with the unit 1400, and the card information included in the received approval request message is read and the approval request is made. Special relay target confirmation unit (1415) (or card verification means) to check the special relay target server to relay the full text, and approval request professional transmission unit 1420 for transmitting the approval request message to the identified professional relay target server (Or a professional relaying means), and an approval result message receiving unit 1425 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 145.

The interface unit 1400 transmits and receives specialized transaction-related transmission and reception with the affiliated store terminal 145 provided at the affiliated store through a communication protocol corresponding to a communication network connecting the bansa server 140 and the affiliated store terminal 145 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 145 to which the communication channel is connected reads card information from the charge / use card through a card reader and transaction information (eg, transaction amount information, merchant information (or charge / use card use) through a key input device. After inputting the target terminal information), 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 approval request from the affiliated store terminal 145 in association with the unit 1400.

If the approval request message is encrypted and transmitted by the affiliated store terminal 145 through the Bansa encryption key, the approval request message receiving unit 1405 preferably decrypts the encrypted approval request message.

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

According to the implementation method shown in FIG. 14, the specialized relay target confirmation unit 1415 reads the BIN information of the use card of the charge / use card to transfer the card issuer server 125 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 140 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 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 145, wherein the interface unit 1400 preferably performs the process of verifying that the full text of the approval result is transmitted to the affiliated store terminal 145.

Referring to FIG. 14, the card issuer server 125 may include a communication unit 1430 for connecting and managing a communication channel with the bansa server 140 through a communication network (for example, a dedicated communication network), and the communication unit 1430. Transaction request professional receiving unit (1435) (or professional receiving means) for receiving the authorization request message containing the card information and transaction information corresponding to the use card of the charge / use card from the bansa server 140, 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 a full text of an approval result including transaction processing corresponding to the transaction approval process to the bansa server 140, and the charge / use. Settlement target confirmation unit 1465 (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. ), The use card information (or the virtual account information corresponding to the virtual account for each use card) of the charge / use card, the transaction amount information, the confirmed document serial number, and the merchant / terminal information. , In conjunction with the destination settlement account information, an information storage unit 1470 (or information storage medium) for storing a charge on / Settlement D / B (1485) it is characterized in that formed.

The communication unit 1430 may be configured to connect a communication channel for transceiving a professional transaction with the bansa server 140 through a communication protocol corresponding to a communication network connecting the card issuer server 125 and the bansa server 140. It features.

When the bansa server 140 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 140. 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 140 through the encryption key of the card company server, the receiving unit 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 contained in the full authorization request) and the charge / use card charge 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 Error processing the transaction 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 140 through the communication network, the bansa server 140 is characterized in that for transmitting the full text of the approval result to the merchant terminal 145.

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 and the settlement target account information and the document serial number for the transaction approval are confirmed, the information storage unit 1470 may use the virtual card corresponding to the virtual card corresponding to the use / card information (or use card) of the charge / use card. Account information), the transaction amount information, the confirmed document serial number, the affiliated store / terminal information, and the account information to be settled and stored in the charge / use settlement D / B 1485.

Referring to FIG. 14, the card issuing server 125 transmits the full approval result including the transaction approval information to the affiliated store terminal 145 through the bansa server 140 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 transfer approval result including the transaction approval information is transmitted to the affiliated store terminal 145 through the bansa server 140, the voucher purchase information generation unit 1455 According to the transaction history including the transaction approval information, characterized in that the purchase information for purchasing the document for the purchase price of the transaction approved through the use card of the charge / use card.

The voucher purchase processing unit 1460 passes after a certain period of time after the transaction through the use card of the charge / use card is approved, or from the Bansa server 140 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 125 may settle the amount and fee information from the transaction amount information stored in association with the use card information (or virtual account information) in the charge / use settlement D / B 1485. Settlement amount confirmation unit 1475 (or settlement amount confirmation means) for confirming information, the settlement amount information information and fee information to the use card information (or virtual account information), the document serial number, merchant / terminal information, And an information storage unit 1470 (or information storage means) stored in the charge / use settlement D / B 1485 in association with the account information to be settled.

The card information (or virtual account information) and the transaction amount information of the charge / use card and the transaction amount information and the confirmation in response to the transaction approval through the use card of the charge / use card in the charge / use settlement D / B 1485. After the document serial number, merchant / terminal information, and account information for settlement are stored in association, the settlement amount checking unit 1475 uses credit card information (or virtual account information) in the charge / use settlement D / B 1485. And calculating various fee amounts (eg, issuer preservation fee, bansa fee, etc.) corresponding to the stored transaction amount information, and subtracting the calculated fee amount from the transaction amount to confirm the settlement amount information. do.

According to the method of the present invention, the settlement amount confirmation unit 1475 generates the purchase information by the slip purchase information generation unit 1455 or the purchase purchase information by the slip purchase processing unit 1460. 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 the fee information are confirmed by the settlement amount checking unit 1475 from the transaction amount information, the information storage unit 1470 uses the confirmed settlement amount information and the fee information as the usage card information (or virtual). Account information), the document serial number, merchant / terminal information, and account information to be settled and stored in the charge / use settlement D / B (1485), the sum of the settlement amount information and fee information It is preferable to match the transaction amount information.

FIG. 15 is a diagram illustrating a transaction request process between an affiliated store terminal 145 and a bansa server 140 according to another exemplary embodiment of the present invention.

In more detail, in FIG. 15, if the full text of the authorization request is generated by the affiliated store terminal 145 on the charge / use card transaction system illustrated in FIG. The process of identifying a specialized relay target server for a request message and relaying the approval request message to the specialized relay target server is illustrated. If a person having ordinary knowledge in the technical field to which the present invention belongs, 15 and / or modified to infer various implementation methods for the transaction request process between the merchant terminal 145 and the bansa server 140, but the present invention includes all the implementation methods inferred However, the technical features are not limited only to the implementation method illustrated in FIG. 15.

Referring to FIG. 15, the merchant terminal 145 on the charge / use card transaction system shown 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). Input amount information, merchant information (or charging / use card use target terminal information), document serial number) (1500), including the input card information and transaction information and the merchant information stored in the merchant terminal 145 Generate the full request for approval (1505).

Thereafter, the affiliated store terminal 145 connects the communication channel for professional transmission and reception with the bansa server 140 through the communication network (eg, a public communication network) (1510).

If the communication channel is connected (1515), the merchant terminal 145 transmits the full text of the approval request to the bansa server 140 through the communication channel (1520), and correspondingly the bansa server 140 Receives the approval request message transmitted from the affiliated store terminal 145 through the communication channel (1525).

Subsequently, the bansa server 140 reads card information included in the approval request text to confirm BIN information (1530), and reads the checked BIN information to relay a specialized relay target server to transmit the approval request text. Check (1535).

According to the embodiment shown in FIG. 14, the bansa server 140 reads the BIN information of the use card of the charge / use card to check the card issuer server 125 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 140 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 125 on the charge / use card transaction system shown in FIG. 14 through a transaction request process between the affiliated store terminal 145 and the bansa server 140 shown in FIG. When the full text of the authorization request including the card information corresponding to the use card of the charge / use card is received, the card issuer server 125 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 FIG. 16, a transaction request between the affiliated store terminal 145 and the bansa server 140 illustrated in FIG. 15 is made through the charging / use card manufacturing system shown in FIG. 2 and sold to a customer (or 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 amount of charge is charged through the charge / use card charging system shown in FIG. 4 or 7 is shown in FIG. When the card issuer server 125 is received on the charged / used card transaction system, the card issuer server 125 corresponds to a card used for the charge / use card from the bansa server 140 through a communication network. Receive an authorization request message containing information (1600), and read the card information included in the authorization request message to the use card of the charge / use card of the BIN information assigned to the card issuer The card information including the BIN information associated with the assignment is checked (1605).

If the use card information including the BIN information associated with the allocation of the charge / use card to the use card of the BIN information assigned to the card issuer by reading the card information included in the authorization request full message is not confirmed ( 1610), the card issuer server 125 generates a full text of the authorization result including the transaction error information and transmits it to the bansa server 140 (1615), and the bansa server 140 is connected to the affiliated store terminal 145. The full text of the approval result is transmitted to the affiliated store terminal 145 through the connected communication channel (1630).

On the other hand, when the card information including the BIN information associated with the card information included in the approval request is read and the BIN information assigned to the card issuer is assigned to the use card of the charge / use card is confirmed (1610). In operation 1635, the card issuer server 125 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 125 generates a full text of an authorization result including transaction error information and transmits it to the bansa server 140 (1615). The bansa server 140 transmits the full text of the approval result to the affiliated store terminal 145 through a communication channel connected to the affiliated store terminal 145 and outputs the complete certificate result (1630).

On the other hand, if the use card of the charge / use card is activated (1640), the card issuer server 125 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 125 generates a full text of an approval result including transaction error information. By transmitting to the bansa server 140 (1615), the bansa server 140 transmits the full text of the approval result to the affiliated store terminal 145 through a communication channel connected to the affiliated store terminal 145 (1630). ).

On the other hand, when the charge card information associated with the use card information and the charge amount information charged through the charge card is confirmed (1650), the card issuer server 125 is charged through the charge card of the charge / use card The transaction approval for the transaction amount (= transaction amount included in the full authorization request) using the use card of the charge / use card is processed through the charge amount information (1655).

If the transaction for the transaction amount is not approved through the use card of the charge / use card (1660), the card issuer server 125 generates a full text of an authorization result including transaction error information to the bansa server 140. In operation 1615, the bansa server 140 transmits the full text of the approval result to the affiliated store terminal 145 through a communication channel connected to the affiliated store terminal 145 and outputs the complete certificate result (1630).

On the other hand, when a transaction for the transaction amount is approved through the use card of the charge / use card (1660), the card issuer server 125 links the charge / use card of the charge / use card with the storage medium 1480. Subtract the transaction amount approved through the use card of the charge / use card from the charge amount charged through 1665, and generate a full text of an approval result including transaction approval information corresponding to the transaction approval process to generate the full text of the bansa server ( In operation 1670, the bansa server 140 transmits the full text of the approval result to the affiliated store terminal 145 through a communication channel connected to the affiliated store terminal 145.

Thereafter, the card issuer server 125 reads affiliate store information (or charge / use card use target terminal information) of the transaction information included in the full approval request, and stores the 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 may check affiliate store / terminal information and settlement target account information for the transaction approval in connection with the affiliate store D / B (not shown).

When the merchant / terminal information and the settlement target account information and the document serial number for the transaction approval are confirmed, the card issuer server 125 corresponds to the use card information of the charge / use card (or a virtual account for each use card). Virtual account information), the transaction amount information, the confirmed document serial 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 125 on the transaction system, which is a person of ordinary skill in the art to which the present invention pertains, may 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 125 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 the check purchase and request process in the bansa server 140 provided with the full approval result, and the present invention provides the bansa server 140. 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 charge / use card of a use card of the charge / use card shown in FIG. 16 is processed, the card issuer server 125 charges the charge. Check whether the purchase of the document for the transaction approval through the use card of the use card is performed (1700).

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 125 performs the transaction process using 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 125 purchases a slip for a transaction approval through a use card of the charge / use card based on the slip purchase information according to a preset slip purchase procedure (1715).

If a document corresponding to the transaction approval through the use card of the charge / use card is purchased in accordance with the affiliated document purchase procedure (1720), the card issuer server 125 checks for the use card of the charge / use card. The result of the document purchase is stored (1725).

Thereafter, the card issuer server 125 may provide various fee amounts (eg, issuers) corresponding to transaction value information stored in connection with the use card information (or virtual account information) in the charge / use settlement D / B 1485. A storage fee, a bansa fee, etc.), calculates the settlement amount information by subtracting the calculated fee amount from the transaction amount (1730), and uses the confirmed settlement amount information and the fee information for the use card information (or virtual) Account information), the document serial number, merchant / terminal information, and the account information to be settled and stored in the charge / use settlement D / B 1485 (1735).

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 1800 shown in the charge / use card transaction system shown in FIG. 9 or FIG. Financial company server 135 that operates a virtual account for each use card 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. 7 and charge / use settlement D / B. Check the settlement amount information and the settlement target account information stored in the (1800), in connection with the financial institution server 135 from the virtual account for each use card in which the recharge amount charged by the recharge card of the recharge / use card is deposited It is characterized in that it comprises a charge / use settlement server 115 to withdraw the settlement amount to be transferred to the settlement target account and settled.

In FIG. 18, the charge / use settlement server 115 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 115 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 115 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 1800 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 14. Or virtual account information), settlement amount information, fee information, document serial number, merchant / terminal information, and account information for settlement.

The financial company server 135 operates a virtual account for each use card in which a charge amount charged by the charge card of the charge / use card is deposited through the charge / use card charge system shown in FIG. 4 or 7. A generic term for a server (or device) provided at a financial company to process a settlement-related non-face-to-face financial transaction requested from the charging / use settlement server 115, and the ratio defined by the financial company from the charging / use settlement server 115. When the charge / use card settlement request information including the account transfer request information configuration is received in the face-to-face financial transaction request information, the payment amount charged by the charge card of the charge / use card is settled from the virtual account for each use card deposited. Withdraw the amount of money characterized in that the processing of the financial transaction transferred to the settlement target account.

Referring to FIG. 18 according to an embodiment of the present invention, the charge / use settlement server 115 confirms the arrival of the settlement date and time for the use card information stored in the charge / use settlement D / B 1800, When checking the settlement date and time, the information confirmation unit 1810 for confirming the settlement amount information and settlement target account information associated with the use card information that the settlement date and arrival is confirmed from the charge / use settlement D / B (1800) ( Or information checking means), an information generating unit 1815 (or information generating means) for generating charge / use card settlement request information including the use card information, the settlement amount information, and the account information to be settled, and a communication network. The generated charge / use card settlement request information is transmitted to the financial institution server 135 to recover an amount corresponding to the settlement amount of the deposit amount deposited in the virtual account for each use card corresponding to the use card information. Provided with a settlement processing unit 1820 (or the settlement processing means) for processing such as settlement account settlement target it is characterized in that formed.

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 in the charge / use settlement D / B 1800. After the use of the card information, settlement amount information, fee information and the document serial number, merchant / terminal information, the account information to be settled and stored, the information check unit 1810 checks the timer for the charge / use settlement D Check whether the settlement date and time for the card information stored in / B (1800) is coming.

If it is confirmed that the settlement date and time for the use card information has arrived, the information confirming unit 1810 is settled from the charge / use settlement D / B 1800 associated with the use card information for which the settlement date and arrival has been confirmed. Characterized in that the amount information and the account information to be settled.

When the settlement amount information and the settlement target account information are confirmed through the information checking unit 1810, the information generation unit 1815 setstles the charge / use card including the use card information, settlement amount information and settlement target account information. And generating request information.

When the charge / use card settlement request information is generated through the information generation unit 1815, the settlement processing unit 1820 may generate the charge according to the security policy of the financial company through a communication network connected to the financial company server 135. By transmitting the use card settlement request information to the financial institution server 135, the amount corresponding to the settlement amount of the deposit amount deposited in the virtual account for each use card corresponding to the use card information is settled to the account to be settled. It is characterized by processing.

Referring to FIG. 18, according to another embodiment of the present invention, the charge / use settlement server 115 may include virtual account information corresponding to a virtual account for each use card stored in the charge / use settlement D / B 1800. When the settlement date and time of the settlement is confirmed, and when the settlement date and time of arrival are confirmed, settlement amount information and settlement target account information associated with the virtual account information in which the settlement date and arrival are confirmed from the charge / use settlement D / B 1800 is determined. Withdraw the settlement amount from the virtual account for each use card using the information confirmation unit 1810 (or information confirmation means) to confirm and the virtual account for each use card as a withdrawal account, and the account to be settled as a deposit account. Information generation unit 1815 (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 a communication network; And a settlement processing unit 1820 (or settlement processing means) for transmitting to the financial company server 135 to settle the settlement amount to the settlement target account.

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 in the charge / use settlement D / B 1800. After the virtual account information, the settlement amount information, the fee information, the voucher serial number, the merchant / terminal information, and the settlement target account information are stored in association with each other, the information checking unit 1810 checks the timer. Check whether the settlement date and time for the virtual account information stored in the charge / use settlement D / B 1800 arrives.

If it is confirmed that the settlement date and time for the virtual account information has arrived, the information confirming unit 1810 is settled from the charge / use settlement D / B 1800 associated with the virtual account information for which the settlement date and arrival has been confirmed. Characterized in that the amount information and the account information to be settled.

When the settlement amount information and the settlement target account information are confirmed through the information confirming unit 1810, the information generating unit 1815 may use the credit card to configure the account transfer request information among the non-face-to-face financial transaction request information defined by the financial company. Substituting virtual account information for each withdrawal account information, substituting the settlement target account information for deposit account information, substituting the settlement amount information for transfer amount information, and withdrawing the settlement amount from the virtual account for each use card Characterized in that the charge / use card settlement request information to be transferred to the settlement target account.

When the charge / use card settlement request information is generated through the information generation unit 1815, the settlement processing unit 1820 may generate the charge according to the security policy of the financial company through a communication network connected to the financial company server 135. By transmitting the use card settlement request information to the financial institution server 135, withdraw the settlement amount from the virtual account for each use card in which the recharge amount charged through the recharge card of the recharge / use card is deposited and the account to be settled. Characterized in that the settlement process to transfer to.

Referring to FIG. 18, the charge / use settlement server 115 checks a document serial number and affiliated store / terminal information from the charge / use settlement D / B 1800 during the settlement process for the settlement amount, From the storage medium 1805 shown in FIG. 9 or 14, the charge card information associated with the use card information of the charge / use card is checked, and the settlement date and time information, the use card information, the charge card information, the settlement amount information, Settlement history generation unit 1825 (or settlement history generating means) for generating settlement history information including at least one document serial number and merchant / terminal information, and the settlement / use settlement D / B (1800). Settlement history storage unit 1830 (or settlement history storage means) to be stored in a) characterized in that it is made.

When the settlement amount is settled to the settlement target account by the settlement processing unit 1820, the settlement history generation unit 1825 is a document serial number, merchant / terminal information from the charge / use settlement D / B (1800) Check the charge card information associated with the use card information of the charge / use card from the storage medium 1805 shown in FIG. 9 or FIG. 14, and check the charge / use settlement D / B 1800. If the charge card information is further stored in association, the settlement history generation unit 1825 checks the charge card information associated with the use card information of the charge / use card from the charge / use settlement D / B (1800) It is preferable to check the charging card information according to the intention of the person skilled in the art may be omitted.

Thereafter, the settlement history generation unit 1825 includes settlement date and time for which settlement processing is performed through the financial company server 135, the use card information, recharge card information, settlement amount information, slip serial number, and 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 1825, the settlement history storage unit 1830 may charge and use the settlement history information in connection with the use card information (or charge card information). Store in D / B 1800.

According to another exemplary embodiment of the present invention, the settlement history information is stored in the storage medium 1805 shown in FIG. 9 or 14 in addition to the charge / use settlement D / B 1800 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.

More specifically, FIG. 19 shows the charge / use card through the charge / use card transaction system shown in FIG. 9 or 14 in the charge / use settlement server 115 on the charge / use card settlement system shown in FIG. 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, Specifically, when the use card information, the settlement amount information and the settlement target account information is stored in the charge / use settlement D / B 1800 on the charge / use card transaction system shown in FIG. 9 or 14, the charge / use settlement The server 115 generates the charge / use card settlement request information including the use card information, the settlement amount information and the settlement target account information, and uses the use card. And a virtual account is sent to the bank server 135 opened shows a exemplary method for settlement processing the charge / A card.

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 above, and the technical features are not limited only to the implementation method shown in FIG.

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 1800. After the credit card information, settlement amount information, fee information, the document serial number, merchant / terminal information, account information of the settlement of the approved charge / use card is stored in association, the charge / use settlement server 115 checks the timer In operation 1900, the payment / use settlement D / B 1800 determines whether a settlement date for the use card information stored in the charging / use settlement D / B 1800 arrives.

If it is confirmed that the settlement date and time for the use card information has arrived (1905), the charge / use settlement server 115 is the use card that the arrival date of the settlement is confirmed from the charge / use settlement D / B (1800) The settlement amount information and the settlement target account information associated with the information are checked (1910).

Thereafter, the charge / use settlement server 115 generates charge / use card settlement request information including the use card information, the settlement amount information, and the settlement target account information (1915).

If the charge / use card settlement request information is generated (1920), the charge / use settlement server 115 is the charge / use generated according to the security policy of the financial company through a communication network connected to the financial institution server 135. By transmitting the card settlement request information to the financial institution server 135, the amount corresponding to the settlement amount of the deposit amount deposited in the virtual account for each use card corresponding to the use card information is settled to the settlement target account. (1925).

If the settlement amount is settled to the account to be settled (1930), the charge / use settlement server 115 is the settlement date and time the settlement process is performed, the use card information, charge card information, settlement amount information In operation 1935, the settlement history information including one or more of the document serial number and the affiliate store / terminal information is generated.

According to an embodiment of the present invention, the charge / use settlement server 115 checks the document serial number and affiliated store / terminal information from the charge / use settlement D / B 1800 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 1805 shown in FIG. 9 or FIG. 14, and the charge card information in the charge / use settlement D / B 1800. If is further stored in association, the settlement history generation unit 1825 preferably checks the charge card information associated with the use card information of the charge / use card from the charge / use settlement D / B 1800, 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 115 stores the settlement history information in the charge / use settlement D / B 1800 in association with the use card information (or charge card information) (1940).

20 is a flowchart illustrating a charge / use card settlement process according to another embodiment of the present invention.

More specifically, FIG. 20 shows a charge / use card in the charge / use settlement server 115 on the charge / use card settlement system shown in FIG. 18 through the charge / use card transaction system shown in FIG. 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, Specifically, a virtual account corresponding to a virtual account for each use card associated with the use card of the charge / use card in the charge / use settlement D / B 1800 on the charge / use card transaction system shown in FIG. 9 or FIG. 14. When the information, the settlement amount information and the settlement target account information are stored, the charge / use settlement server 115 makes the virtual account for each use card as a withdrawal account, Set the account to be settled as a deposit account, generate charge / use card settlement request information using the settlement amount as a transfer amount, and transmit the charge / use card to the financial company server 135 in which a virtual account for each use card is opened. The implementation method of a settlement process is shown.

Those skilled in the art to which the present invention pertains can refer to and / or modify this drawing 20 to implement various methods for the charge / use card settlement process (e.g., some steps are omitted or the order is changed). Implementation method) may be inferred, but the present invention includes all the implementation methods inferred, and the technical features are not limited to the implementation method shown in FIG.

Referring to FIG. 20, a transaction through a use card of a charge / use card through the charge / use card transaction system shown in FIG. 9 or FIG. 14 is approved, and the transaction is sent to the charge / use settlement D / B 1800. After the virtual account information, the settlement amount information, the fee information, the document serial number, the merchant / terminal information, and the target account information corresponding to the virtual account for each use card associated with the use card of the authorized recharge / use card are stored in association, The charge / use settlement server 115 checks a timer to determine whether a settlement date and time for the virtual account information stored in the charge / use settlement D / B 1800 arrives (2000).

If it is confirmed that the settlement date and time for the virtual account information has arrived (2005), the charge / use settlement server 115 is the use card that the arrival date of the settlement is confirmed from the charge / use settlement D / B (1800) The settlement amount information and settlement target account information associated with the information are checked (2010).

Thereafter, the charge / use settlement server 115 converts the virtual account information for each use card into 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 virtual account for each use card. Charging / receiving, the account information to be settled as deposit account information, and the settlement amount information to be transferred to the transfer amount information, withdrawing the settlement amount from the virtual account for each use card and transferring it to the account to be settled; Generate use card settlement request information (2015).

If the charge / use card settlement request information is generated (2020), the charge / use settlement server 115 through the communication network connected to the financial institution server 135, the generated charge / use according to the security policy of the financial company By transmitting the card settlement request information to the financial company server 135, withdraw the settlement amount from the virtual account for each use card in which the recharge amount charged through the recharge card of the recharge / use card is deposited and transfer to the account to be settled. The settlement process is performed (2025).

If the settlement amount is settled to the account to be settled (2030), the charge / use settlement server 115 is the settlement date and time the settlement process is performed, the card information, the charge card information, the settlement amount Settlement history information including one or more information, the document serial number, merchant / terminal information is generated (2035).

Thereafter, the charge / use settlement server 115 stores the settlement history information in the charge / use settlement D / B 1800 in association with the use card information (or charge card information) (2040).

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, the charge card for charging the payment amount for payment / financial transaction approval for the use card, the use card and There is an advantage of providing a convenient dual structure settlement service that processes the amount used for payment / financial transactions through the use card from the charge amount charged through the charge card deposited in the associated virtual card for each use card. .

Claims

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;

Opening a virtual account for each use card including use card information of a charge / use card, which is used as a fund management account opened at a financial institution server to operate the charge / use card;

Calculating the charged amount into a virtual account for each of the credit card in connection with the financial company server;

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

At the time of purchase of the slip for the transaction amount, a charge / use card settlement request information including the use card information, the settlement amount information and the settlement target account information is generated and transmitted to the financial company server to use the use card information including the use card information. And processing the settlement amount through the use card through the charge amount deposited in a separate virtual account.

At the time of purchase of the document for the transaction amount, the virtual account for each use card is used as a withdrawal account, the settlement amount is used as a transfer amount, and the account transfer request information for each financial institution is included. Generating charge / use card settlement request information and transmitting it to the financial institution server to process the transaction amount through the use card to be settled from the charge amount charged through the charge card; and a virtual account comprising: How to settle charge / use card through

The method according to claim 1 or 2,

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

Purchasing a slip for the transaction amount through the slip purchase information; Charging / using card settlement method through a virtual account characterized in that it further comprises.

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

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. Charging / using card settlement method through a virtual account characterized in that.

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 the 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 through a virtual account.

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 the charging process is requested through the charging card from the charging terminal provided at the charging / use card retailer (or affiliated store), the charging function of the charging card and the using function of the using card are activated, and the charging card information and the charging amount Charging / use card charging means for storing information in a storage medium in association with information;

A virtual account opening means for opening a virtual account for each use card including use card information of a charge / use card, which is used as a fund management account opened at a financial institution server to operate the charge / use card;

Remittance settlement means for reconciling the recharge amount to a virtual account for each use card in association with the financial company server;

Settlement target confirmation means for confirming the transaction value information and the account information of the settlement for the merchant / terminal through the use card when the transaction is approved 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

And a settlement processing means for processing the settlement amount through the charge amount deposited in the virtual account for each use card in connection with the financial institution server when the document is purchased for the transaction amount. Through charge / use card settlement system.