KR20110012594A - System and method for processing memory card pre-issue and recording medium - Google Patents

Abstract

PURPOSE: A system for processing a memory card pre-issue and a method thereof are provided to prevent an abuse of the lost memory card. CONSTITUTION: If a payment method information saved in a memory card is received from a financial facilities, the payment method information is transmitted to the memory card and saved(330). The payment method information is deactivated. If a memory card issuance request in which the payment method information is saved is received from a client, the memory card is issued. Then, the customer information, the wireless terminal information in which the memory card is loaded, and the memory card information is transmitted to the financial facilities(335).

Description

System and Method for Processing Memory Card Pre-Issue and Recording Medium}

1 is a diagram illustrating a card issuing system for the process of issuing a memory card with a payment means according to an embodiment of the present invention.

2 is a diagram illustrating a functional configuration of a memory card that provides a payment service using one or more payment means stored on a memory according to an embodiment of the present invention.

3 is a diagram illustrating a card issuing process for the pre-issuance process of a memory card equipped with a payment means according to an embodiment of the present invention.

4 is a diagram illustrating a card issuing process for the process of issuing a memory card with a payment means according to another embodiment of the present invention.

<Description of main parts of drawing>

100: card issuing server 105: interface unit

110: interface providing unit 115: information receiving unit

120: validity authentication unit 125: payment method processing unit

130: card issuing unit 135: information storage unit

140: information D / B 145: card issuing device

150: card issuing terminal

According to the present invention, a payment means to be mounted on a memory card is deactivated and stored in a memory card, and the memory card is provided to a customer, whereby a delivery person may abuse the memory card, and the memory card may be caused by a mistake of the deliveryman during delivery. If you lose the card, you are trying to solve the problem that can be exploited due to memory card loss.

In the development of information and communication technology, it is possible to mount various payment means including a credit card, a check card, a debit card, etc. in a memory card, and the payment means are provided to a customer and utilized.

In addition, the memory card equipped with such a payment method has the advantage that the customer can conveniently use, but before confirming the loss in the process of issuing it (or when the customer does not know it is lost) or before the customer receives A financial accident can happen.

The present invention provides a method and system for deactivating a payment means and providing a recording medium for providing the memory card equipped with the deactivation payment means to a customer.

In the memory card advancement processing method according to the present invention, upon receiving payment means information to be stored in the memory card from one or more financial institutions providing payment means information stored in a memory card, the received payment means information is stored in the memory card. At least one of a memory card issuance request and at least one payment method information stored in the memory card. And transmitting customer information, wireless terminal information on which the memory card is to be loaded, and memory card information to a financial institution. The payment means information stored in the memory card is deactivated payment means information. It is characterized by.

Further, upon issuing and processing a memory card at the request of the customer, the storage medium stores customer information, wireless terminal information on which the memory card is to be loaded, memory card information issued to the customer, and payment means information stored in the memory card. Characterized in that it comprises a step of storing.

The present invention includes a computer-readable recording medium characterized by recording a program for executing the above-described memory card advancement processing method.

The memory card advancement processing system according to the present invention, upon receiving payment means information to be stored in the memory card from one or more financial institutions that provide payment means information stored in the memory card, and the received payment means information to the memory card One or more means for processing the data to be stored and stored in the memory card, and when the memory card issuing request is stored from the customer, the memory card issuing process is issued to the customer and the payment means information stored in the memory card is provided. Means for transmitting customer information, wireless terminal information on which the memory card is to be mounted, and memory card information to a financial institution; and the payment means information stored in the memory card is deactivated payment means information. It is characterized by.

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

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

In addition, the following examples will be used to appropriately modify the terms so that those skilled in the art to clearly understand the technical features of the present invention to effectively understand, but the present invention It is by no means limited.

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

1 is a diagram illustrating a card issuing system for the process of first issuing a memory card equipped with a payment means according to an embodiment of the present invention.

In more detail, FIG. 1 illustrates that when a predetermined customer provides card issuance application information for the issuance processing of a memory card having a predetermined payment means to a memory card based payment processing system through a predetermined card issuing interface, A system configuration for issuing a memory card provided with one or more payment means to the customer based on the provided card issuance application information in the base payment processing system, if the person having ordinary knowledge in the technical field to which the present invention belongs, While referring to and / or modifying FIG. 1, various implementation methods for the card issuance system configuration for the issuance processing of the memory card equipped with the payment means may be inferred, but the present invention includes all the implementation methods inferred. It is not limited to the implementation method shown in FIG.

Hereinafter, at least a memory card having at least one payment means is provided to the customer based on the card issuing application information provided from the customer through a predetermined card issuing interface on the card issuing system shown in FIG. Components corresponding to one or more means and / or functional configurations are referred to as " card issuing server 100 " for convenience.

Referring to FIG. 1 according to an embodiment of the present invention, the card issuing system for the card issuing system for the process of issuing the memory card provided with the payment means is provided in at least one card issuing institution (or financial institution). And a staff terminal for use, and / or at least one wired terminal and / or a wireless terminal used by the customer when the card issuing system supports a non-face-to-face card issuing application. And a client terminal, wherein the employee terminal and / or the client terminal are connected to a card issuing server 100 provided on the memory card based payment processing system through a predetermined network means.

According to one embodiment of the present invention, the customer visits the card issuing institution (or financial institution) for the issuance processing of the memory card provided with the payment means and is provided at the card issuing institution (or financial institution). A predetermined card issuance application (e.g., at least one or more information item for the issuance processing of the memory card provided with the payment means) through (or through a card issuing staff) (Or a document with a form for filling out a card) (or the card issuing staff visits the customer and asks the customer to complete a predetermined card issuance application for the process of issuing the memory card with the payment method). To the card issuing staff, and the card issuing agent The employee enters (or selects) the information entered in the card issuance application through a predetermined employee terminal, and the employee terminal transmits the input (or selected) information to the memory card based payment processing system through the network means. It is preferable to transmit to the card issuing server 100 provided on.

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

In the card issuing system as described above, the card issuance application created by the customer, the employee terminal used by the card issuing staff and the financial network connecting the employee terminal and the card issuing server 100 is the customer It performs a function of the card issuing interface for registering the card issuing application information for the issuance processing of the memory card provided with the payment means.

According to another exemplary embodiment of the present invention, when the card issuing system supports a non-face-to-face card issuing application, the customer is selected from a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network. Access to the card issuing server 100 through at least one client terminal, and through the at least one user interface provided by the card issuing server 100, a card issuing process for pre-issuance of the memory card provided with the payment means. When the application information is input (or selected), it is preferable that the client terminal transmits the card information to the card issuing server 100 provided on the memory card based payment processing system through a predetermined network means.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices connected to a communication control network based on Transmission Control Protocol / Internet Protocol (TCP / IP) or UDP / IP (User Datagram Protocol / Internet Protocol). Desktop computer and / or notebook connected to a UDP / IP based communication network, or a home appliance terminal connected to the TCP / IP or UDP / IP based communication network (eg, Set-Top-Box), Or at least one kiosk connected to a TCP / IP or UDP / IP based communication network.

In addition, the wireless terminal connected to the wireless communication network is all terminal devices connected to a code division multiple access (CDMA) based mobile communication network, and / or all terminal devices connected to a high speed downlink packet access (HSDPA) based wireless communication network, and / Or all terminal devices connected to the IEEE 802.16x based mobile Internet, and / or all terminal devices connected to Motorola's DataTAC method and / or Erricson's Mobitex type wireless data communication network, and are personal communications connected to the CDMA based mobile communication network. Terminal (Personal Communication System; PCS) and / or Global System for Mobile communications (GSM) terminals and / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or personal information terminals (Personal Digital Assistant; PDA) and / or Smart Phone and / or Telematics, or HSDPA (High Speed Dow) and at least one wireless communication terminal connected to an nlink packet access) based wireless communication network, a portable internet terminal connected to the IEEE 802.16x based portable internet, or a wireless data communication terminal connected to the DataTAC / Mobitex based wireless data communication network. It is preferable to make.

In addition, the client terminal outputs at least one user interface provided by the card issuing server 100, inputs and / or selects at least one or more information through the user interface, and transmits the same to the card issuing server 100. It is preferable that a function configuration (for example, a browser program and a communication function or a predetermined communication program and communication function to communicate with the card issuing server 100, etc.) is provided.

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

In the card issuing system, a client terminal including at least one or more wired terminals and / or wireless terminals used by the customer, at least one wired communication network connecting the client terminal and the card issuing server 100 and And / or the wireless communication network performs a function of a card issuing interface for the customer to register card issuance application information for the issuance processing of the memory card provided with the payment means.

According to another exemplary embodiment of the present invention, when the card issuing system supports a non-face-to-face card issuing application, the card issuing terminal 150, in addition to the employee terminal and / or client terminal, a predetermined financial network It further comprises a financial automated machine (not shown) including an automatic teller machine (ATM), a cash dispenser (CD) connected to (for example, a financial common network), and / or a predetermined And a predetermined call terminal (not shown) connected to a wired telephone network such as a Public Switched Telephone Network (PSTN), Voice over IP (VoIP) network, and / or a mobile communication network, a wireless VoIP network, It may further comprise a predetermined call terminal (not shown) connected to the same wireless telephone network, and / or at least one or more institutions affiliated with the card issuer (or financial institution). The it may further comprise a (not shown), the terminal (and / or server), which the present invention is not limited.

In the case of supporting the non-face-to-face card issuance application as described above, when the card issuing terminal 150 is the financial automated device (not shown), the financial automated device (not shown) and the financial automated device ( The financial network connecting the card issuing server 100 performs a function of a card issuing interface for registering the card issuing application information for the customer to process the issuance of the memory card provided with the payment means. And / or When the card issuing terminal 150 is the call terminal (not shown), a wired telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the card issuing server 100 and And / or the wireless telephone network performs a function of a card issuing interface for the customer to register card issuing application information for the issuance processing of the memory card equipped with the payment means. And / or the terminal (and / or server) when the card issuing terminal 150 is a terminal (and / or server) (not shown) provided in an institution affiliated with the card issuing institution (or financial institution). (Not shown) and the network connecting the terminal (and / or server) (not shown) and the card issuing server 100, the card issuance application information for the customer to advance the processing of the memory card equipped with the payment means Performs the function of the card issuing interface to register the.

The memory card management D / B provided on the memory card-based payment processing system according to the present invention is a predetermined one or more payment means to the customer based on the card issuance application information provided from the card issuing terminal 150 After issuing the provided memory card, the customer information according to the issuance of the memory card provided with the one or more payment means, the customer mobile phone information to be mounted on the memory card held by the customer, and the one or more payment means to be provided to the customer And memory card issuance processing information including at least one memory card information corresponding to the provided memory card and at least one information of one or more deactivated payment means provided in the memory card. The memory card issuance processing information stored in B is a memory card based payment processing system. It is used for the process of issuance of a memory card equipped with the payment means on the system.

The card issuing server 100 provided on the memory card based payment processing system according to the present invention is a generic term for the components of the memory card based payment processing system side connected to the card issuing terminal 150 through a predetermined network means. It may be implemented as, including at least one server (or device), and / or at least one program recorded on a recording medium provided in a predetermined server (or device), whereby the present invention It is not limited.

According to the embodiment of the present invention, the card issuing server 100 is provided with an interface unit 105 (or interface means) for providing a predetermined card issuing interface to the card issuing terminal 150 through the network means. Characterized in that made.

According to an embodiment of the present invention, when the card issuing terminal 150 is an employee terminal connected to a predetermined financial network, the interface unit 105 is connected to the employee terminal based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one information (or data) using a communication protocol defined in a card issuance application program provided in the employee terminal.

According to another exemplary embodiment of the present invention, when the card issuing terminal 150 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 105 implements a protocol stack defined in the wired communication network. It is preferable to provide a communication interface for connecting at least one communication channel with the client terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

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

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

According to another exemplary embodiment of the present invention, when the card issuing terminal 150 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 105 is a protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal and connecting a predetermined communication channel with the client terminal. .

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

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

Referring to FIG. 1, the card issuing server 100 interworks with the interface unit 105 when a predetermined card issuing terminal 150 is connected to the card issuing server 100 through the interface unit 105. Interface providing unit for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined card issuing application information from the card issuing terminal 150 to the card issuing terminal 150. 110 (or interface providing means) and the card issuing terminal 150 receives the predetermined card issuing application information transmitted from the card issuing terminal 150 (or selected) through the user interface. For issuing a memory card equipped with one or more payment means to the customer based on the information receiving unit 115 (or information receiving means) and the received card issuing application information. The validity authentication unit 120 (or validity authentication means) for checking the validity, and one or more information included in the received card issuance application information is transmitted to one or more financial institution servers to deactivate payment means information to be mounted on the memory card. Issuing a card for issuing a memory card having a payment means processing unit 125 (or payment means processing means) for requesting and receiving, and at least one payment means including deactivated payment means information received from the one or more financial institution servers. Information storage unit 135 for storing the memory card issuance processing information corresponding to the memory card 130 (card issuing means) and one or more payment means issued to the customer in the memory card management D / B (Or information storage means).

The interface providing unit 110 corresponds to a functional configuration provided in the card issuing terminal 150 when a predetermined card issuing terminal 150 is connected to the card issuing server 100 through the interface unit 105. Generate (or select) the card issuing application information and generate a predetermined user interface which can be transmitted to the card issuing server 100 via the network means, and / or is extracted from a predetermined database (not shown). And provide the user interface generated (or extracted) with the interface unit 105 to the card issuing terminal 150 through the network means.

Thereafter, the card issuing terminal 150 inputs (or selects) the card issuing application information based on the user interface, and the card issuing server is configured to input the card issuing application information (or selected) through the network means. Send to 100.

According to an embodiment of the present invention, when the card issuing terminal 150 is an employee terminal connected to a predetermined financial network, the interface providing unit 110 may provide a card issuance application program provided in the employee terminal. It is preferable to generate (or extract) a user interface of, and provide the generated (or extracted) user interface to the employee terminal through the interface unit 105.

According to another exemplary embodiment of the present invention, when the card issuing terminal 150 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface providing unit 110 is a browser program provided in the client terminal. And / or generate (or extract) a predetermined user interface that can be provided to the communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 105.

According to another exemplary embodiment of the present invention, when the card issuing terminal 150 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 110 is a browser provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided by a program and / or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 105.

The information receiving unit 115 inputs (or selects) predetermined card issuing application information from the card issuing terminal 150 through the user interface and transmits the same through the network means. Characterized in that the card issuance application information is received, and provides the received card issuance application information to the validity authentication unit 120 or payment means processing unit 125.

According to the method of the present invention, the card issuing application information is preferably made including the customer information of the card issuing customer.

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

The validity authentication unit 120 checks the validity of issuing a memory card provided with the one or more payment means to the customer based on the customer information included in the received card issuance application information. .

According to an embodiment of the present invention, the validity check for issuing the memory card with the one or more payment means to the customer is determined through a predetermined communication means based on the customer name and social security number included in the customer information. It is preferably made in connection with the real name verification server (not shown) of confirming the real name of the customer.

In addition, when the memory card provided with the one or more payment means comprises a credit card, the validity check for issuing the memory card provided with the one or more payment means to the customer is predetermined based on the customer information. It is preferable to include the check the credit information of the customer in connection with a predetermined credit rating server through a communication means of.

Further, when the memory card provided with the one or more payment means includes a check card / debit card, the validity check for issuing the memory card provided with the one or more payment means to the customer is performed. It is preferable to include whether to check whether the customer account opened and normal operation in connection with the financial company server opened the customer account associated with the check card / debit card based on a predetermined communication means.

The payment means processing unit 125 transmits customer information included in the card issuing application information received through the information receiving unit 115 and information including one or more credit information of the customer to one or more financial company servers. And requesting deactivated payment means information to be provided in the memory card equipped with the one or more payment means, and receiving deactivated payment means information corresponding to the deactivated payment means request.

When the payment means processing unit 125 receives the deactivated payment means information to be provided in the memory card provided with the one or more payment means from one or more financial company server, the card issuing unit 130 is a predetermined card issuing device ( A memory card including one or more deactivated payment means information (or one or more deactivated payment means information is provided in the memory card provided with the one or more payment means). The memory card provided with the payment means is provided (or shipped) to the customer.

Here, the card issuing device 145 includes a device for recording one or more deactivated payment means information on the memory card provided with the one or more payment means, wherein the payment means processing unit 125 is the memory Receiving the payment means information from the at least one financial institution server in a file structure operable through the card, the card issuing unit 130 is deactivated payment means received from the at least one financial company server through the card issuing device 145 By recording the information in a memory in the memory card, a memory card is provided with one or more predetermined payment means to issue to the customer.

When the deactivated payment means information received from the financial institution server through the card issuing unit 130 is recorded in the memory in the memory card, corresponding memory card information and customer information for the memory card are recorded in the memory card. It is preferable to transmit the deactivated payment method information to the financial company server which is connected to the deactivated payment means information.

The memory card having one or more payment means manufactured as described above is provided to the customer, and / or is delivered to the customer according to a predetermined card providing procedure, after which the customer has a memory card based payment according to the present invention. The processing system uses a memory card equipped with one or more payment means.

Thereafter, the information storage unit 135 includes customer information included in the card issuance application information received from the customer through the information receiving unit 115, and deactivated payment means information and customer mobile phone information received from at least one financial company server. And memory card issuance processing information including at least one or more memory card information on which the deactivated payment means information is to be loaded in the memory card management D / B.

Here, the customer information included in the memory card issuance processing information may include personal information of the card issuing customer (for example, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.), and At least one member information (for example, member ID information) subscribed to the card issuing server 100 may be included.

The mobile phone information included in the memory card issuance processing information may include at least one of mobile phone number information, ESN information, and communication company information corresponding to the mobile phone device on which the memory card to be issued to the customer is mounted.

Further, the memory card information included in the memory card issuance processing information preferably includes management code (or management number) information corresponding to the memory card provided to the customer.

In addition, the payment means information included in the memory card issuance processing information is preferably information corresponding to the deactivated payment means received from one or more financial institution server.

According to the exemplary embodiment of the present invention, when the payment means is a credit card, the payment means information preferably includes at least one of card number information, expiration date information, and card issuer information.

According to another exemplary embodiment of the present invention, when the payment means is a check card or a debit card, the payment means information preferably includes card number information and at least one card issuer information.

Those skilled in the art will be familiar with the technical features of at least one or more information included in the payment means information, so a detailed description thereof will be omitted for convenience.

2 is a diagram illustrating a functional configuration of a memory card 200 that provides a payment service using one or more payment means stored on a memory according to an embodiment of the present invention.

More specifically, Figure 2 is a method for implementing a memory card 200 for providing a payment service using one or more payment means stored on the memory, if the person skilled in the art to which the present invention pertains, By referring to and / or modifying FIG. 2, it is possible to infer various memory card 200 functional configurations that provide a payment service using one or more payment means stored on the memory, but the present invention encompasses all inferred implementation methods. It is not limited to the implementation method shown in FIG.

For example, one of ordinary skill in the art to which the present invention pertains may request a payment to a server in order to provide a payment service using one or more payment means stored in a memory by referring to and / or modifying the drawing 2. Although the method of transmitting the payment approval request information and the method of generating and transmitting the payment approval request full text are illustrated and described in one drawing, the present invention is not limited thereto and only one method may be provided.

In addition, those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 2, in addition to the SD (Secure Digital) memory card 200, the MiniSD memory card 200, MicroSD (T- Applicable to all memory cards 200, such as Flash) memory card 200, MMC memory card 200, Compact Flash (CF) memory card 200, Memory Stick, eXtreme Digital (XD) memory card 200, etc. It is possible, and the invention is not limited thereby.

Referring to FIG. 2, a memory card 200 having a memory card payment mode for a payment service using one or more payment means stored on a memory has an external device or an external memory card 200 and a radio frequency signal of a predetermined frequency band. An antenna unit 205 that transmits and receives (or receives an energy source (power source)), and converts a radio frequency signal received through the antenna unit 205 into a digital signal corresponding to a predetermined protocol to control the controller. And an RF unit 265 for converting a digital signal according to a request of the controller 210 into a radio frequency signal corresponding to a predetermined protocol and transmitting it through the antenna unit 205. The antenna unit 205 transmits a radio frequency signal to an external device or an external memory card 200 according to a request of the unit 265, or the antenna unit 205 is an external device or Formed by the function of receiving a radio frequency signal from the sub-memory card 200, a switching unit 260 for controlling so that any one function is activated, characterized.

The antenna unit 205 is connected to the RF unit 265 and radiates a radio frequency signal for transmitting a radio frequency signal to be transmitted from the RF unit 265 to an external device or an external memory card 200. And a function of providing the checked radio frequency signal to the RF unit 265 when the radio frequency signal transmitted from the external device or the external memory card 200 is confirmed, the antenna The control unit 205 is controlled by the switching unit 260 so that only one of the function of radiating and receiving the radio frequency signal is activated.

The RF unit 265 is an external device or an external device connected to the memory card 200 through a predetermined short range wireless communication while the memory card 200 performs a predetermined function (for example, an electronic payment processing function). Connect a communication session with the memory card 200, convert the radio frequency signal received from the external memory card 200 into a digital signal according to a predetermined protocol, and / or transmit to the external device or the external memory card 200 The digital signal may be converted into a radio frequency signal according to a predetermined protocol and transmitted to an external device or an external memory card 200.

Here, the short-range wireless communication transmitted and received through the radio frequency signal may include infrared ray communication, radio frequency (RF) communication, Bluetooth (BlueTooth), wireless LAN, Wi-Fi, UWB (Ultra). At least one wide band system) is preferably included.

The switching unit 260 has a function of transmitting the radio frequency signal by the antenna unit 205 to an external device or an external memory card 200 at the request of the RF unit 265 or the antenna unit 205 is external. It is characterized in that any one of the function of receiving a radio frequency signal from the device or an external memory card 200 is controlled to operate.

According to the exemplary embodiment of the present invention, controlling to operate one of a function of transmitting a radio frequency signal to the antenna unit 205 or a function of receiving a radio frequency signal is connected to the antenna unit 205. A radio frequency signal transmitting circuit and a radio frequency signal receiving circuit for short range wireless communication are respectively provided, and it is preferable to control the selection of the radio frequency signal transmitting circuit or the radio frequency signal receiving circuit.

Here, the radio frequency transmitting circuit modulates a digital signal for one or more information (or data) to be transmitted to the external device or the external memory card 200 according to a predetermined protocol (for example, ISO 14443, etc.). Alternatively, it is preferable to output to the external memory card 200, and the modulated signal may be converted into a radio frequency signal through a separate output circuit.

In addition, when a radio frequency signal transmitted from an external device or an external memory card 200 is received, the radio frequency receiver circuit amplifies the received radio frequency signal through an amplifier and converts the amplified radio frequency signal into a predetermined protocol. It is desirable to demodulate one or more information (or data) about the digital signal in accordance with (eg, ISO 14443, etc.).

Referring to FIG. 2, a memory card 200 having a memory card payment mode for a payment service using one or more payment means stored on a memory includes an interface unit for interfacing with a host terminal on which the memory card 200 is mounted. It is characterized by comprising.

According to an embodiment of the present invention, the host terminal and the interfacing may be connected to the host terminal through a serial peripheral interface (SPI), and the host terminal transmits one or more information (or data) through an SPI mode. It is preferable that the memory card 200 be operated / controlled.

Referring to FIG. 2, a memory card 200 having a memory card payment mode for a payment service using one or more payment means stored on a memory includes a control unit 210, a memory unit 280, and a security application module 270. And a memory controller 275, and at least one terminal function unit (not shown) or the like according to the intention of a person skilled in the art.

The control unit 210 controls the overall operation of the memory card 200 in the functional configuration, manages the flow of information or data between each component, and performs payment processing based on the payment information stored in the memory card provided in the customer's mobile phone. At least one processor interworking and controlling at least one component provided in the memory card 200, and executing at least one processor including a CPU (Central Processing Unit) / MPU (Micro Processing Unit) in hardware. Memory (eg, a register and / or random access memory (RAM)) and a bus (BUS) for inputting and outputting predetermined data, and performing a function specific to the memory card 200 in software. A predetermined program which is loaded from the predetermined recording medium into the execution memory for processing by the processor A predetermined program recorded on a recording medium provided in the memory card 200 for payment processing based on payment information stored in the memory card provided in the customer's mobile phone, including routines and / or program data; And / or a component capable of being processed by software among the functional components provided in the memory card 200, as shown in the control unit 210).

According to the exemplary embodiment of the present invention, the controller 210 may include components (for example, the memory unit 280, the security application module 270, the memory controller 275, and / or the components provided in the memory card 200). Controlling and managing providing the electronic payment service defined in the memory card 200 by interworking terminal functional units (not shown) according to the intention and purpose of those skilled in the art, as well as stored in the memory according to the present invention. The memory card for payment service using one or more payment means stored in the memory, and / or controlling the components provided in the memory card 200 to interoperate for payment service using one or more payment means It is preferable to execute the program recorded on the recording medium provided at (200).

The memory unit 280 is input and output when an operation by a predetermined program routine (or code) and / or program data (eg, a program routine (or code)) for controlling the overall operation of the memory card 200 is performed. General term of non-volatile memory for storing information or data), and includes at least one or more storage means including hardware electrically erasable and programmable read only memory (EEPROM) and / or flash memory (FM), A predetermined program routine and program data (for example, data input or outputted to perform a predetermined function by the program routine) required for the control unit 210 to perform a predetermined control function are stored.

According to an embodiment of the present invention, the memory unit 280 may include at least one payment means information for providing a payment service using the memory card 200 and a memory for the memory card 200 according to a request of a customer. Card 200 information, merchant information (or merchant terminal information) to be set when a target merchant is to be specified when providing a payment service using the memory card 200, and usage conditions corresponding to the specified usage conditions for each payment method It is preferable that the information and at least one device information for limiting the device on which the memory is mounted.

In addition, the memory unit 280 is preferably stored further including deactivation setting information for the stored payment means.

Here, when there are a plurality of payment means stored in the memory unit 280, the payment means information further includes the location information on the memory to be stored, and when storing the payment means information in the memory unit 280 Check the location information to be stored in the payment means information stored in the memory unit 280, or if the use of the payment means information stored in the memory unit 280 occurs, the payment means information with reference to the location information It is preferable to read.

The memory unit 280 may include a user memory area in which user information (or data) is stored, and a secure memory area in which the payment means information is stored. In this case, it is preferable to access only the case (eg, when using payment service using the memory card 200, when registering payment means information in the memory card 200, etc.).

For example, when a plurality of payment means information is stored in the memory unit 280, and the position for the payment means is designated on the memory, the position information for storing the payment means information is stored in the memory unit 280. A payment method mapping table (such as an absolute memory address (or relative memory address) of a location in a memory where payment method information is to be stored) and a payment method is stored or empty according to the payment method mapping table. It is preferable that a payment means management table (optionally omitted) is provided.

In addition, the payment method mapping table may be classified according to the financial institution that issues the payment method, or according to the type of payment method, or by the use designated by the user when the memory card 200 is issued.

The secure application module 270 (SAM) is one or more pieces of information (or an external device or an external memory card 200 such as electronic payment and / or electronic payment using the memory card 200). Security requirements, including confidentiality and / or authentication and / or integrity and / or nonrepudiation, which are required in the process of transmitting data). As a safety device for performing a secure and reliable structure in the US, the memory card 200 encrypts or decrypts predetermined information (or data) processed in the process of performing a predetermined security request function, and the information (or Add an authenticator to prevent forgery (or tampering) of the data, or store important information in the course of performing the security request function. And it characterized in that.

In general, the security application module 270 is preferably composed of a predetermined security application module 270 inserter and a security application module 270 chip, the security application module 270 chip is a chip containing at least 8-bit CPU Application Specific Integrated Circuit (ASIC) chips (eg, PLCC 44-pin chips) and / or IC chips (eg, IC cards in the form of subscriber identity modules (SIMs)) with performance of 2 MIPS (Million Instructions Per Second) or more. It is preferable to comprise a.

In addition, the security application module 270 is at least one or more security application data (eg, at least one identifier, version, expiration date, issue date, code value, etc.) required for the memory card 200 to perform a predetermined security request function ) And / or keys (e.g., one master key and at least one application key) and / or protocols (e.g., trading protocols, re-transaction protocols, previous transaction cancellation protocols, collection protocols, SAM issuance protocols, (e-money company / card company) Registration protocol, authorization protocol, mode switching protocol, key download protocol, SAM revocation protocol) and / or commands (e.g., at least one read / authentication / transmission / registration / setting / mode switching / collection / deletion / disposal / initialization) / Reprocessing / cancellation command).

Referring to FIG. 2, the memory card 200 requests an authentication for the payment service to verify the payment service in order to provide a payment service using one or more payment means stored in the memory according to the present invention. It is characterized by comprising a).

Authentication request and confirmation for the payment service according to the embodiment of the present invention, the program request for the authentication information input (or selection) to the terminal on which the memory card 200 is mounted, and the drive in the terminal After receiving the authentication information input (or selected) through the program, it is preferable to check the authentication of the received authentication information.

Authentication request and confirmation for the payment service according to another embodiment of the present invention, a program capable of inputting (or selecting) authentication information through an operation of the terminal equipped with the memory card, and through the driven program It is preferable to check the authentication of the authentication information by receiving authentication information input (or selected).

When providing a payment service using one or more payment means stored in the memory, if the authentication of the authentication information is confirmed, the memory unit using a separate command for reading one or more payment means stored in the memory It is preferable to set the payment means information stored on 280 to be able to read.

Here, the separate command may be a password set by a customer that allows the memory control unit 275 to access a memory area in which a payment method is stored, or a command (or password) set by a financial institution providing payment method information. In the case of a command (or password) set by the financial institution that provided the payment means information, the command (or password) in the memory area in which the plurality of payment means is stored in the memory controller 275. It is preferable to set only the memory area corresponding to s to be accessible.

Referring to FIG. 2, the memory card 200 includes an information checking unit 220 for confirming payment means information stored on the memory unit 280, and a terminal providing the confirmed payment means information and payment information. An information generating unit 225 for generating payment approval request information based on the received payment information, and the payment approval request information generated through the RF unit 265 through the terminal equipped with the memory card 200. And a payment processing unit 230 for receiving the payment approval result information and completing the payment process when the server receiving the payment approval request information is transmitted to a server and the server receiving the payment approval request information is transmitted. It is characterized by comprising.

The information checking unit 220 confirms the payment means information stored on the memory unit 280, the confirmed payment means information is provided to the information generating unit 225.

Here, the payment means information is preferably stored in the secure memory area on the memory unit 280, in order to confirm the payment means information stored on the secure memory area, in addition to the memory control unit 275 It is advisable to check according to the memory access method.

The information generation unit 225 generates payment approval request information based on the payment information received from the terminal providing the payment information and the confirmed payment means information, and the payment approval request information generated Is provided to the payment processing unit 230.

Here, the payment information received from the terminal providing the payment information is preferably received from the terminal through short-range wireless communication.

The payment processing unit 230 transmits the payment approval request information generated by the information generation unit 225 to the server on the payment network through the RF unit 265, the server correspondingly After performing a predetermined payment processing procedure for providing a payment service using one or more payment means stored in the memory through the payment approval request information, any of payment approval details or payment error details corresponding to the payment processing result. A payment processing history corresponding to one is generated, predetermined payment approval result information including the payment processing history is generated and transmitted to the memory card 200 through the payment network.

After the payment approval request information is transmitted to the server through the payment processing unit 230, the payment processing unit 230 receives a payment corresponding to the payment approval request information from a server on the network through the RF unit 265. Periodically (or in response to the information receiving event of the RF unit 265) is received whether payment approval result information including the processing details is received.

If payment approval result information including payment processing details corresponding to the payment approval request information is received through the RF unit 265, the payment processing unit 230 includes the payment processing details included in the payment approval result information ( For example, payment approval details or payment error details) may be stored on the memory unit 280 or output through an output device provided in the terminal on which the memory card 200 is mounted.

Referring to FIG. 2, the memory card 200 includes an information checking unit 220 for confirming payment means information stored on the memory unit 280, and a terminal providing the confirmed payment means information and payment information. A full text generation unit 235 for generating a full text of the payment approval request based on the received payment information, and a full text transmission unit 240 for transmitting the generated full text of the payment approval request to the server on the network through the RF unit 265. And a professional processing unit 245 for receiving a payment approval result message including a payment processing history corresponding to the full payment approval request message from the server on the network through the RF unit 265 to complete the payment processing. It is characterized by.

The information checking unit 220 confirms the payment means information stored on the memory unit 280, the confirmed payment means information is provided to the information generating unit 225.

Here, the payment means information is preferably stored in the secure memory area on the memory unit 280, in order to confirm the payment means information stored on the secure memory area, in addition to the memory control unit 275 It is desirable to check according to the memory approach.

The full text generation unit 235 may generate a full text of a payment approval request request including at least one payment information received from a terminal providing the payment information and the verified payment means information. The full request for approval is provided to the specialized transmission unit 240.

Here, the payment information received from the terminal providing the payment information is preferably received from the terminal through short-range wireless communication.

The specialized transmitter 240 transmits the payment approval request telegram generated by the specialist generator 235 to a server on a network through the RF unit 265. After performing a predetermined payment processing procedure for providing a payment service using one or more payment means stored in the memory through the full payment approval request message, any of payment approval details or payment error details corresponding to the payment processing result A payment processing history corresponding to one is generated, a predetermined payment approval result text including the payment processing history is generated and transmitted to the memory card 200 through the network.

After the payment approval request message is transmitted to the server through the specialized transmission unit 240, the expert processing unit 245 corresponds to the payment approval request message from the server on the payment network through the RF unit 265. Periodically (or in response to the full text reception event of the RF unit 265) is received whether the full payment approval result including the payment processing history.

If the payment approval message including the payment processing history corresponding to the payment approval request text is received through the RF unit 265, the specialized processing unit 245 may include the payment processing history (eg, included in the payment approval text). Payment approval details, or payment error details) is preferably stored on the memory unit 280, or output through the output device provided in the terminal equipped with the memory card 200.

Referring to FIG. 2, the memory card 200 communicates with an adjacent payee memory card 200 in association with the RF unit 265 to confirm payee account information and is stored on the memory unit 280. The information confirmation unit 220 confirms the payer account information, the confirmed payee account information, the payer account information, the transfer amount information provided by the terminal on which the memory card 200 is mounted, and the transfer to the payee account. An information generation unit 225 for generating financial transaction request information including authentication information for processing, and information for transmitting the generated financial transaction request information to a server on a network through a terminal equipped with the memory card 200; The memory unit 200 processes a financial transaction corresponding to the financial transaction request information by a transmission unit 250 and a server on the network, and generates financial transaction result information corresponding thereto. When through a terminal mounted sent to the memory card 200, characterized in that formed by an information reception section 255 for receiving the financial transaction result information.

The information checking unit 220 receives the payee account information provided in the payee memory card 200 from the payee memory card 200 adjacent to the memory card 200, and the payment stored on the memory unit 280. It is characterized in that the checking account information, the confirmed payee account information and payer account information is provided to the information generation unit 225.

Here, the payer account information is preferably stored in a secure memory area on the memory unit 280, and linked with the memory control unit 275 to confirm the payer account information stored on the secure memory area. It is desirable to check according to a separate memory approach.

In addition, it is preferable to include a step of confirming the authentication for providing the payee account information at the terminal side provided with the memory card 200 for transmitting the payee account information.

In addition, the transfer amount information can be further provided from the memory card 200 of the addressee side, thereby the present invention is not limited.

The information generation unit 225, when the confirmed payee account information, the payer account information and the transfer amount information is confirmed, based on this to further verify the authentication information for the transfer process to generate a financial transaction request information, characterized in that The generated financial transaction request information is provided to the information transmitter 250.

According to an embodiment of the present invention, the authentication information is information for securing the validity of at least one or more of confidentiality, authentication, integrity, and nonrepudiation of the financial transaction. Characterized in that it comprises at least one password corresponding to the payer financial account, or a password corresponding to the financial transaction.

In addition, the authentication information further comprises at least one or more security code information provided on the security card provided to the customer in the process of opening the payer financial account, and / or OTP (One Tome Password) generator provided to the customer It is preferably made further comprising an OTP code generated through.

The information transmitter 250 transmits the generated financial transaction request information to a server on a network through a terminal equipped with the memory card 200.

The server receiving the financial transaction request information processes a financial transaction corresponding to the financial transaction request information, generates financial transaction result information corresponding thereto, and generates a memory card through a terminal equipped with the memory card 200. When transmitting to (200), the information receiving unit 255 is characterized in that for receiving the financial transaction result information.

Referring to FIG. 2, when the unique information (or merchant information) of the terminal is received from the terminal requesting payment using the payment means provided in the memory card 200, the received memory card 200 is received. And an information checking unit 220 for confirming payment means information corresponding to the unique information (or affiliated store information). Preferably, the checked payment means is used to be used in the payment processing process.

According to an embodiment of the present invention, the payment means information confirmation corresponding to the received unique information (or affiliated store information) is information that matches the received unique information (or affiliated store information) in association with the memory unit 280. Check and check the stored payment means information in connection with the identified unique information (or merchant information).

If the payment means information for the unique information (or merchant information) is confirmed, it is preferable to process the confirmed payment means to be used in the payment processing process.

That is, after processing the payment means identified among the plurality of payment means provided in the memory card 200 to be activated, and processing to be deactivated again when the payment processing is completed through the activated payment means. It is preferable.

Here, in addition to confirming the payment means corresponding to the unique information (or merchant information), the payment means may be processed according to the payment information, and the present invention is not limited thereto.

For example, if the payment amount is less than 10,000, debit card payment means, if more than 10,000 credit card payment means to be used, or transportation charges are applied to the credit card payment method is applied to the general payment process to use the debit card payment method. It is possible.

If a request for changing / canceling / deleting payment means for each stored unique information (or affiliated store information) is received, it is possible to change / cancel / delete based on this, and thus the present invention is not limited thereto.

3 is a diagram illustrating a card issuing process for the pre-issuance processing of the memory card 200 provided with a payment means according to an embodiment of the present invention.

In more detail, in FIG. 3, a predetermined customer issues a card issuance application through a face-to-face card issuance interface (e.g., the card issuance application, employee terminal, and network means) in the card issuance system shown in FIG. When the card issuing staff submits to the card issuing staff, the card issuing staff enters (or selects) the card issuing application information corresponding to the card issuing application through a predetermined card issuing terminal and transmits the card issuing server to the card issuing server. As a process for issuing a memory card 200 having one or more payment means for the issuance processing of the memory card 200 having the means to the customer based on the card issuance application information in the issuing server. For those of ordinary skill in the art to which the present invention pertains, the present invention will be described with reference to FIG. Various implementation methods for issuing the memory card 200 provided with the one or more payment means may be inferred for the advancement and processing of the memory card 200 provided with the means. All are included, and not limited to the embodiment shown in FIG.

For example, in FIG. 3, after the memory card 200 having the one or more payment means is manufactured and provided (or shipped) to the customer, the memory card 200 issuance processing information to the memory card management D / B is shown. Although described as shown to store, but the process of storing the predetermined memory card 200 issuance processing information in the memory card management D / B according to the intention of those skilled in the art is the memory card 200 is provided with one or more payment means It may be performed before the production or before the memory card 200 is provided with the one or more payment means is provided (or shipped) to the customer, whereby the present invention is not limited.

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

Referring to FIG. 3, a card-issuing interface of a face-to-face type card issue interface (eg And a form for filling in at least one information item for a pre-issuance process of a predetermined card issuance application (for example, the memory card 200 provided with the payment means) through the card issuance application, employee terminal, and network means. Completed document) and submit it to the card issuing staff, by the card issuing staff, the terminal inputs (or selects) card issuing application information corresponding to the card issuing application prepared by the customer through a predetermined user interface. In operation 300, the card issuing application information is transmitted to the server through the network means.

According to the method of the present invention, the card issuing application information is preferably made including the customer information of the card issuing customer.

Here, the customer information is personal information of the card issuing customer (for example, customer name, resident registration number, address, wireless terminal information (or mobile number), e-mail address, etc.), and member information of the customer issuing the card issuing server. (E.g., member ID information) is preferably included.

Thereafter, the server receives and reads the card issuing application information from the terminal through the network means, and the memory card 200 provided with the payment means to the customer based on the customer information included in the card issuing application information. Check the card issuance validity for issuing the memory card 200 is provided with the one or more payment means for the issuance processing (310).

According to an embodiment of the present invention, the validity check for issuing the memory card 200 having the one or more payment means to the customer is based on a predetermined communication means based on the customer name and social security number included in the customer information. It is preferable to include a confirmation of the real name of the customer in connection with a predetermined real name confirmation server (not shown) through.

In addition, when the memory card 200 is provided with one or more payment means including a credit card, the validity check for issuing the memory card 200 is provided with the one or more payment means to the customer, It is preferable to include the check the credit information of the customer in connection with a predetermined credit rating server through a predetermined communication means based on the customer information.

In addition, when the memory card 200 provided with the one or more payment means includes a check card / debit card, checking the validity of issuing the memory card 200 provided with the one or more payment means to the customer. Includes determining whether the customer account is opened and normally operated in connection with a financial institution server in which a customer account associated with the check card / debit card is opened through a predetermined communication means based on the customer information. desirable.

If the validity to issue the memory card 200 with the one or more payment means to the customer is not authenticated through the card issuing application information (315), the server sends the card to the customer through the card issuing interface. Providing the card issuance error information (320), and stops issuing the memory card 200 with the one or more payment means to the customer.

On the other hand, if the validity to issue the memory card 200 with the one or more payment means is authenticated to the customer through the card issuing application information (315), the server is provided to the customer based on the card issuing application information. In operation 325, predetermined deactivated payment means information corresponding to the memory card 200 having one or more payment means to be issued is received from one or more financial company servers.

The payment means information is preferably information corresponding to the deactivated payment means received from one or more financial institution server.

According to the exemplary embodiment of the present invention, when the payment means is a credit card, the payment means information preferably includes at least one of card number information, expiration date information, and card issuer information.

According to another exemplary embodiment of the present invention, when the payment means is a check card or a debit card, the payment means information preferably includes card number information and at least one card issuer information.

Those skilled in the art will be familiar with the technical features of at least one or more information included in the payment means information, so a detailed description thereof will be omitted for convenience.

Here, the generated deactivated payment means information preferably includes a file structure operable through the memory card 200.

Thereafter, the server manufactures and provides (or delivers) the memory card 200 having one or more predetermined payment means including the deactivated payment means information to the customer through a predetermined card issuing device (330). .

Here, the card issuing device preferably comprises a device for recording the deactivated payment means information in the memory provided in the memory card 200 is provided with one or more payment means.

Thereafter, the server may store the customer information included in the card issuance request information provided from the customer through the card issuing interface, the deactivated payment means information received from the at least one financial company server, and the customer mobile phone information. Memory card 200 issue processing information including at least one information is stored in the memory card management D / B (335).

Here, the customer information included in the memory card 200 issuance processing information includes personal information of the card issuing customer (for example, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.), Preferably, the customer includes at least one member information (eg, member ID information) subscribed to the card issuing server.

The mobile phone information included in the memory card 200 issuance processing information may include at least one of mobile phone number information, ESN information, and communication company information corresponding to the mobile phone device on which the memory card 200 to be issued to the customer is mounted. It is preferable to make.

In addition, the memory card 200 information included in the memory card 200 issuance processing information may include management code (or management number) information corresponding to the memory card 200 provided to the customer.

In addition, the payment means information included in the memory card 200 issuance processing information is preferably information corresponding to the deactivated payment means received from one or more financial institution server.

According to the exemplary embodiment of the present invention, when the payment means is a credit card, the payment means information preferably includes at least one of card number information, expiration date information, and card issuer information.

According to another exemplary embodiment of the present invention, when the payment means is a check card or a debit card, the payment means information preferably includes card number information and at least one card issuer information.

Those skilled in the art will be familiar with the technical features of at least one or more information included in the payment means information, so a detailed description thereof will be omitted for convenience.

4 is a diagram illustrating a card issuing process for the pre-issuance processing of the memory card 200 is provided with a payment means according to another embodiment of the present invention.

In more detail, FIG. 4 shows a non-face-to-face card issuing interface (e.g., client terminal and network means including at least one of a wired terminal and / or a wireless terminal) by a predetermined customer in the card issuing system shown in FIG. When the card issuing server is connected to the card issuing server through inputting (or selecting) predetermined card issuing application information and transmitting the memory card, the card issuing server is provided with the payment means to the customer based on the card issuing application information ( The process of issuing a memory card 200 equipped with one or more payment means for the pre-issue processing of 200, and those skilled in the art to which the present invention pertains, refer to FIG. 4 and / or Alternatively, a modification may be made in which the one or more payment means are provided for the pre-issue processing of the memory card 200 provided with the payment means. Various implementation methods for issuing the MORI card 200 may be inferred, but the present invention includes all the inferred implementation methods and is not limited to the implementation method shown in FIG.

For example, in FIG. 4, after the memory card 200 having one or more payment means is manufactured and provided (or shipped) to the customer, the memory card 200 issuance processing information to the memory card management D / B is shown. Although described as shown to store, but the process of storing the predetermined memory card 200 issuance processing information in the memory card management D / B according to the intention of those skilled in the art is the memory card 200 is provided with one or more payment means It may be performed before the production or before the memory card 200 is provided with the one or more payment means is provided (or shipped) to the customer, whereby the present invention is not limited.

Hereinafter, in FIG. 4, the card issuing terminal shown in FIG. 1 is referred to as "terminal" for convenience, and the card issuing server is referred to as "server" for convenience.

Referring to FIG. 4, the customer accesses the server through a predetermined terminal, connects a communication channel for card issuance application, and performs a pre-issuance process of the memory card 200 provided with the payment means through the communication channel. Apply for issuance of the memory card 200 having the one or more payment means (400), and correspondingly, the server generates a user interface for issuing the memory card 200 having the one or more payment means ( Or extract) and provide it to the terminal through the communication channel (405).

Thereafter, the terminal receives (or selects) the card issuing application information through the user interface and transmits the input (or selection) of the card issuing application information to the server through the communication channel (410).

According to the method of the present invention, the card issuing application information is preferably made including the customer information of the card issuing customer.

Here, the customer information is personal information of the card issuing customer (for example, customer name, resident registration number, address, wireless terminal information (or mobile number), e-mail address, etc.), and member information of the customer issuing the card issuing server. (E.g., member ID information) is preferably included.

Thereafter, the server receives and reads the card issuing application information from the terminal through the network means, and the memory card 200 provided with the payment means to the customer based on the customer information included in the card issuing application information. Check the card issuance validity for issuing the memory card 200 is provided with the one or more payment means for the issuance processing (415).

According to an embodiment of the present invention, the validity check for issuing the memory card 200 having the one or more payment means to the customer is based on a predetermined communication means based on the customer name and social security number included in the customer information. It is preferable to include a confirmation of the real name of the customer in connection with a predetermined real name confirmation server (not shown) through.

In addition, when the memory card 200 is provided with one or more payment means including a credit card, the validity check for issuing the memory card 200 is provided with the one or more payment means to the customer, It is preferable to include the check the credit information of the customer in connection with a predetermined credit rating server through a predetermined communication means based on the customer information.

In addition, when the memory card 200 provided with the one or more payment means includes a check card / debit card, checking the validity of issuing the memory card 200 provided with the one or more payment means to the customer. Includes determining whether the customer account is opened and normally operated in connection with a financial institution server in which a customer account associated with the check card / debit card is opened through a predetermined communication means based on the customer information. desirable.

If the validity to issue the memory card 200 with the one or more payment means to the customer is not authenticated through the card issuing application information (420), the server provides the customer with the card issuing interface. The card issuance error information is provided (425), and the issuing of the memory card 200 having the one or more payment means to the customer is stopped.

On the other hand, if the validity to issue the memory card 200 with the one or more payment means to the customer through the card issuing application information is authenticated (420), the server is based on the card issuing application information to the customer In operation 430, predetermined deactivated payment means information corresponding to the memory card 200 having one or more payment means to be issued is received from one or more financial company servers.

The payment means information is preferably information corresponding to the deactivated payment means received from one or more financial institution server.

According to the exemplary embodiment of the present invention, when the payment means is a credit card, the payment means information preferably includes at least one of card number information, expiration date information, and card issuer information.

According to another exemplary embodiment of the present invention, when the payment means is a check card or a debit card, the payment means information preferably includes card number information and at least one card issuer information.

Those skilled in the art will be familiar with the technical features of at least one or more information included in the payment means information, so a detailed description thereof will be omitted for convenience.

Here, the generated deactivated payment means information preferably includes a file structure operable through the memory card 200.

Thereafter, the server manufactures and provides (or delivers) the memory card 200 with one or more payment means including the deactivated payment means information to the customer through a predetermined card issuing device (435). .

Here, the card issuing device preferably comprises a device for recording the deactivated payment means information in the memory provided in the memory card 200 is provided with one or more payment means.

Thereafter, the customer information included in the card issuance application information provided from the customer through the card issuance interface, the deactivated payment means information received from the at least one financial company server, and the memory card 200 information to be loaded with the mobile phone information. Memory card 200 issuing process information including at least one or more is stored in the memory card management D / B (440).

Here, the customer information included in the memory card 200 issuance processing information includes personal information of the card issuing customer (for example, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.), Preferably, the customer includes at least one member information (eg, member ID information) subscribed to the card issuing server.

The mobile phone information included in the memory card 200 issuance processing information may include at least one of mobile phone number information, ESN information, and communication company information corresponding to the mobile phone device on which the memory card 200 to be issued to the customer is mounted. It is desirable that it be done.

In addition, the memory card 200 information included in the memory card 200 issuance processing information may include management code (or management number) information corresponding to the memory card 200 provided to the customer.

In addition, the payment means information included in the memory card 200 issuance processing information is preferably information corresponding to the deactivated payment means received from one or more financial institution server.

According to the exemplary embodiment of the present invention, when the payment means is a credit card, the payment means information preferably includes at least one of card number information, expiration date information, and card issuer information.

According to another exemplary embodiment of the present invention, when the payment means is a check card or a debit card, the payment means information preferably includes card number information and at least one card issuer information.

Those skilled in the art will be familiar with the technical features of at least one or more information included in the payment means information, so a detailed description thereof will be omitted for convenience.

According to the present invention, by providing a customer with a memory card equipped with a deactivated payment means, the deliveryman may be misused the memory card, and if the memory card is lost due to the deliveryman's mistake during delivery, the memory card is lost There is an advantage that can solve the problem that can occur abuse.

Claims (4)

When receiving payment means information to be stored in the memory card from one or more financial institutions that provide payment means information stored in a memory card, transmitting the received payment means information to the memory card and processing the stored payment means information; When a request for issuing a memory card storing one or more payment means information is received from a customer, the customer information and the memory card may be transferred to one or more financial institutions that issue and process the memory card and provide the payment means information stored in the memory card. And transmitting the wireless terminal information and the memory card information to be mounted. The payment method information stored in the memory card is a memory card advance processing method, characterized in that the deactivated payment means information. The method of claim 1, When issuing a memory card at the request of the customer, storing the customer information, the wireless terminal information on which the memory card is to be mounted, the memory card information issued to the customer and the payment means information stored in the memory card are stored in a storage medium. Memory card selection processing method characterized in that it comprises a. A computer-readable recording medium having recorded thereon a program for executing the method of claim 1. Means for processing the received payment means information to be stored in the memory card upon receiving payment means information to be stored in the memory card from one or more financial institutions providing payment means information stored in a memory card; When a request for issuing a memory card storing one or more payment means information is received from a customer, the customer information and the memory card may be transferred to one or more financial institutions that issue and process the memory card to the customer and provide the payment means information stored in the memory card. Means for transmitting the wireless terminal information and the memory card information to be mounted; And the payment means information stored in the memory card is deactivation payment means information.

Images