KR20120098977A - System for international prepaid card payment using mapping of national bank identification number - Google Patents

Abstract

PURPOSE: An international prepaid card payment system mapping a national financial company identification number and a method thereof are provided to enable a user to perform payment abroad within a limit charged in a domestic currency by using one or more financial identification numbers mapped with an international prepaid card. CONSTITUTION: A financial company identification number mapping unit(41) stores each identification number for a card number as card mapping information. A financial company payment identification number setting unit(42) receives selection information of a financial company identification number processing payment according to each nation among the financial company identification numbers stored as the card mapping information. The financial company payment identification number setting unit adds the received selection information to the card mapping information. A financial company identification number providing unit(43) provides the financial company identification number to card company identifying servers of each nations. [Reference numerals] (4) Card mapping server; (41) Financial company identification number mapping unit; (42) Financial company payment identification number setting unit; (43) Financial company payment identification number providing unit

Description

System for international prepaid card payment using mapping of national bank identification number}

The present invention relates to a payment system and a payment method for an international prepaid card, and more particularly, to a user's local currency using at least one financial company identification number mapped to an international prepaid card issued by a business alliance between financial institutions of each country. The present invention relates to a payment system and a payment method for an international prepaid card that can be paid abroad in a prepaid limit.

When a national of a first country visits a second country, the national of a first country prepares the currency of the second country in advance. In order to exchange currency, a national of a first country shall visit a bank in a first country or a second country and exchange the currency of the first country into the currency of the second country.

In the case of the currency exchange method, it is troublesome that the first country citizen visits the bank and exchanges money, and it is cumbersome to change the currency of the first country again when there is a change in the local currency of the second country. In the case of temporary visits for tourism or business purposes, nationals of the first country shall have the currency of the second country relatively freely in preparation for emergencies. At this time, the first country citizen has a large amount of cash in the second country has a problem of being exposed to the risk of loss and theft in a busy schedule.

If you use a credit card that can be used overseas instead of currency, there is no need to exchange cash at the bank, it is simple, it is more secure than lost or stolen than cash. However, in the case of a credit card is stolen or lost, there is a disadvantage that damages may be increased due to an illegal payment or a cash service.

In addition, credit cards have a disadvantage of being uneconomical because a relatively high exchange rate is applied than cash. In addition, since the credit card is a form of prepayment and post-billing, it is required to have a personal credit and is issued only to a user who has a certain qualification. Credit cards are billed to users in local currencies converted to dollars from anywhere in the world. For example, if a Korean makes a credit card payment in yen in Japan and the dollar is not in the local currency, the user is charged in dollars and pays the credit card in won. The won is first exchanged into the dollar, and the converted dollar is converted into the second currency and paid to the Japanese merchant. At this time, since the user bears all two exchange fees, the exchange rate of the credit card is relatively high. Therefore, the user of the Republic of Korea pays in dollars as much as possible in the local rather than in the local currency rather than dollars, so only the first exchange occurs, thereby reducing the burden of the exchange fee. In such a credit card payment process, the user pays a high exchange fee against a credit card company (eg, visa, master, etc.) of an affiliated international brand, thereby increasing the burden on the user.

As a result, users are often burdened with a lot of cash, and are often reluctant due to anxiety about credit cards and high exchange fees.

The present invention has been made in view of the above-described prior art, and it is an object of the present invention to provide an international prepaid card in which a financial institution of a first country sells an international prepaid card to which a plurality of overseas financial companies are mapped, It is aimed to provide payment method of international prepaid card and payment method of international prepaid card.

Another object of the present invention is to allow a first country citizen to select a particular card that can be paid in a plurality of foreign countries by using the identification numbers of a plurality of financial companies mapped to an international prepaid card, and advantageous in a particular foreign country.

Another object of the present invention is that the first country citizen charges the international prepaid card in the first national currency, and in real time deducts the first national currency charged in the international prepaid card by first exchanging the money paid when the payment occurs in the second country. It is.

Another object of the present invention is to give a virtual account to the international prepaid card so that the first country citizen can recharge the international prepaid card in real time by depositing money into the virtual account as necessary.

In order to achieve the above technical problem, an international prepaid card payment system using a mapping of a financial institution identification number for each country according to the present invention comprises mapping and storing a card number of an international prepaid card and identification numbers of a plurality of countries' financial institutions, and identifying the identification. In a payment system for an international prepaid card that manages a number, since the international prepaid card is issued to the first country user by the first country financial company server, the second card of the card issued by the second country financial company is mapped to the card. A financial institution identification number mapping unit for storing the identification number as card mapping information for each card number each time a station financial institution identification number is received; A payment banking company identification number setting unit for receiving selection information of a payment banking company identification number for processing payment for each country from among a plurality of financial company identification numbers of the same country stored as the card mapping information and additionally storing the carding information in the card mapping information; And a card mapping server including a payment financing company identification number providing unit which provides the payment financing company identification number to a country-specific card company identification server that identifies a card company to be responsible for payment processing corresponding to the card number.

According to an aspect of the present invention, the payment system for the international prepaid card is requested to issue a card for the international prepaid card of each second country financial company at the request of the first country user, and the second country financial company for each individual application. A card issuing unit which receives a second station financial company identification number from a server, issues an international prepaid card to which each identification number is mapped to a card number, and stores issuing information; If the international prepaid card is used for payment in a second country, a payment approval request receiving unit for requesting payment approval from the second country financial company server corresponding to the identification number; A currency exchange unit for converting a payment price of a second country currency for which payment approval is requested to a first country currency with reference to the set exchange rate information; And an approval processing unit that, when the balance of the international prepaid card is larger than the payment amount of the exchanged first country currency, subtracts the payment amount of the first country currency from the balance and responds to the result of the payment approval success. It includes a bureau finance company server.

In the present invention, the second country financial company server, if a product of the international prepaid card of the second country financial company is applied from the first country financial company server, the application information is received and mapped to the card number of the international prepaid card. A card issuing unit which generates and responds to a second country financial company identification number; A card issuing recorder for matching and storing the card number, the second station financial company identification number and the first country financial company information by issuing a card; Payment information for receiving payment information using the second country financial company identification number (corresponding to the payment financial company identification number) confirmed from the card mapping server when the payment is generated at the second country merchant online or offline by the international prepaid card. Receiving unit; A first station financial company identification unit for retrieving first country financial company information corresponding to the second country financial company identification number of the received payment information to identify the first country financial company server; A payment approval request unit which transmits payment information to which the card benefit corresponding to the second country financial company identification number is applied to the identified first country financial company server and requests payment approval; And a payment approval response unit for receiving a processing result of the payment approval from the first country financial company server and responding to the affiliate store.

Here, the payment system, after the international prepaid card is issued to the first country user by the first country financial company server, the second country financial company identification number of the card issued by the second country financial company is mapped to the card. A financial company identification number mapping unit for storing each identification number of the card number as card mapping information each time it is received; A payment banking company identification number setting unit for receiving selection information of a payment banking company identification number for processing payment for each country from among a plurality of financial company identification numbers of the same country stored as the card mapping information and additionally storing the carding information in the card mapping information; And a card mapping server including a payment financing company identification number providing unit which provides the payment financing company identification number to a country-specific card company identification server that identifies a card company to be in charge of payment processing corresponding to the card number.

Further, the first country financial company server further includes a prepaid charging unit for prepaid amount of money in a first country currency to the international prepaid card at the request of the user of the first country.

Here, the first country financial institution server, the virtual account of the first country user to the international prepaid card and charges the amount of money every time the money is deposited into the virtual account.

In addition, the first country financial company server, the purchase request receiving unit for receiving a purchase request for the use amount of the international prepaid card from the second country financial company server; And a purchase request payment unit configured to process the payment of the purchase request using a payment amount deducted from the balance of the international prepaid card.

Further, the second country financial company server, the purchase request transmission unit for transmitting a purchase request for the use amount of each international prepaid card to the first country financial company server; And an affiliated store settlement unit that receives the use amount processed by the first country financial company server and deposits the use amount settled in accordance with a predetermined settlement procedure for each online or offline affiliate store.

Furthermore, the second country financial company server may include card product providing means for providing card product information including benefit information unique to each international prepaid card sold by the second country financial company in response to a user's inquiry request; And a card benefit application unit for searching the benefit information of the card product corresponding to the second country financial company identification number and applying the benefit information to the payment amount of the payment information.

The international prepaid card payment method using the mapping of the country-specific financial company identification number in accordance with the present invention for achieving the technical problem, the card number of the international prepaid card and a plurality of country-specific financial company identification number is mapped and stored, the identification In the payment method of an international prepaid card executed by a card mapping server managing a number, (a) Since the international prepaid card is issued to a user of a first country by a first country financial institution server, the card is mapped to the second card. A financial institution identification number mapping step of storing each identification number with respect to the card number as card mapping information each time a second financial institution identification number of a card issued by a national financial institution is received; (B) Set payment banking company identification numbers for receiving selection information of a payment banking company identification number to handle payment for each country from among a plurality of financial company identification numbers of the same country stored as the card mapping information, and additionally storing them in the card mapping information. step; And (c) providing a payment financing company identification number for providing the payment financing company identification number to a country card company identification server for identifying a card company to be responsible for payment processing corresponding to the card number. Payment Method.

According to an aspect of the present invention, the payment method for the international prepaid card is executed by a first country financial company server that issues an international prepaid card that is commonly used for each second country with the permission of a plurality of second country financial companies. A payment method of a card, comprising: (a) requesting issuance of a card for an international prepaid card of each second country financial company at the request of a first country user, and identifying the second country financial company from the second country financial company server for each individual application; A card issuing step of receiving a number and issuing an international prepaid card to which each identification number is mapped to a card number and storing issuing information; (b) if the international prepaid card is used for payment in a second country, receiving a payment approval request from the second country financial company server corresponding to the identification number; (c) a currency exchange step of exchanging a payment price of a currency of a second country in which the payment approval is requested with reference to the set exchange rate information into a currency of a first country; And (d) if the remaining amount of the international prepaid card is larger than the payment amount of the currency of the first foreign currency exchanged, an approval processing step of subtracting the payment amount of the first national currency from the balance and responding to the processing result of the payment approval success .

According to an aspect of the present invention, a user may map card information of a plurality of foreign financial companies using an international prepaid card, and travel at a plurality of foreign countries within a balance limit charged in the local currency while traveling to a plurality of foreign countries. Can be.

In addition, the user may map card information of a plurality of financial companies for each benefit in a specific foreign country, and selectively pay the specific card information having excellent benefits at every payment point.

In addition, in the case of international prepaid cards, the application of the exchange rate between the foreign currency and the domestic currency occurs only once, so that the user can save a refund fee and can make a deliberate payment by recharging the balance whenever necessary.

The following drawings attached to this specification are illustrative of preferred embodiments of the present invention, and together with the detailed description of the invention to serve to further understand the technical spirit of the present invention, the present invention is a matter described in such drawings It should not be construed as limited to.
1 is a schematic configuration diagram of a payment system for an international prepaid card according to an embodiment of the present invention.
2 is a schematic illustration of a process of issuing an international prepaid card for the first time according to an embodiment of the present invention.
3 is a schematic illustration of a process of mapping a plurality of financial company identification numbers to an international prepaid card according to an embodiment of the present invention.
4 is a schematic internal structure diagram of the first country financial company server according to an embodiment of the present invention.
5 is a schematic internal structural diagram of a card mapping server according to an embodiment of the present invention.
6 is a schematic internal structure diagram of a second country financial company server according to an embodiment of the present invention.
7 is a schematic flowchart of a process for issuing an international prepaid card according to an embodiment of the present invention.
8 is a schematic flowchart of a payment approval process of an international prepaid card according to an embodiment of the present invention.
9 is a schematic flowchart of a payment processing process of an international prepaid card according to an embodiment of the present invention.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. Prior to this, terms or words used in the specification and claims should not be construed as having a conventional or dictionary meaning, and the inventors should properly explain the concept of terms in order to best explain their own invention. Based on the principle that can be defined, it should be interpreted as meaning and concept corresponding to the technical idea of the present invention.

Therefore, the embodiments described in the specification and the drawings shown in the drawings are only the most preferred embodiments of the present invention and do not represent all of the technical spirit of the present invention, various modifications that can be replaced at the time of the present application It should be understood that there may be equivalents and variations.

<1. System configuration>

1 is a schematic configuration diagram of a payment system 1 for an international prepaid card according to an embodiment of the present invention.

International prepaid card payment system 1 according to an embodiment of the present invention is built on a wired, wireless network, the international prepaid card issued from the first country financial company server (3) second country affiliated store (5) Card country mapping server for storing and managing first country nationals (2) used in the Internet, a first country financial company server for issuing international prepaid cards to users, and a plurality of second country financial company identification numbers mapped to international prepaid cards ( 4), the second country affiliated store 5 where payment of the international prepaid card is generated by the first country national 2, and the card company identification server 6 identifying the second country financial company identification number by the card number of the international prepaid card. And a second country financial company server 7 that issues international prepaid cards commonly used in the second country.

In the present invention, "first country" and "second country" refer to different countries. In addition, the "national of the first country" refers to a citizen who can receive an international prepaid card from a "first country financial company server." Therefore, "national of the first country" includes a national having a nationality of a first country, and when the "first country financial company server" permits a foreigner to issue a card, the foreigner is included in the "first country national". Also, the second station can be a first station and the first station can be a second station.

In the present invention, the wired and wireless networks typically include all communication networks capable of data communication using various protocols such as mobile communication networks, wired and wireless public networks and dedicated networks such as the Internet, and the like.

The citizen of the first country 2 applies for issuance of an international prepaid card to the first country financial company to purchase an international prepaid card filled with a prepaid amount. The international prepaid card, which is paid after the purchase of the first country citizen 2, may be manufactured in various forms such as a known magnetic card, IC chip card, wireless communication chip card, and mobile card, and there is no particular limitation. When the first country citizen 2 possesses the international prepaid card, he / she may visit the second country and make payment by means of currency at the second country affiliated store 5 affiliated with the second country financial company. Here, the financial company includes a bank, a card company and the like. If the first country citizen 2 can apply for a refund or transfer to the account of his / her designated account for the remaining charges after using the payment service of the international prepaid card in the second country.

The first country financial company server 3 is a server in which the second country financial company server 7 of the second country is affiliated with the international prepaid card. The first country financial company issues an international prepaid card to which an identification number which identifies the second country financial company applied by the citizens of the first country is mapped in accordance with a business partnership with the second country financial company.

The card mapping server 4 uses the international prepaid card issued by the user and additionally issues a card issued by the second country's financial company, and the card number of the international prepaid card and the plurality of second country financial company identification numbers. Map and save them. Therefore, the card mapping server 4 may respond to the second country financial company identification number to process the payment upon receiving the country information and the card number. The card mapping server 4 may be integrated with the first country financial company server 3 or the second country financial company server 6.

The second country affiliated store 5 requests the approval process to the second country financial company server 7 using the international prepaid card presented by the first country citizen 2 and receives the approval result. The second country affiliated store 5 corresponds to an affiliated store terminal when offline, and corresponds to a server that processes a payment at an online site when online. If the second-station merchant 5 is an offline merchant terminal, the information of the international prepaid card presented by the user is read through the reader. If the second country affiliated store 5 is an online online payment server, the card information input by the first country 3 is received through the wired or wireless network.

The card company identification server 6 is established for each country and card payment is generated by various types of cards (eg, international prepaid card, credit card, check card, etc.) at a second country affiliated store 5 corresponding to a domestic affiliated store. When received, payment information is received through a value added network (VAN) network. Then, the card company identification server 6 identifies the corresponding financial company using the first six digits of the card number of the received payment information, and then transmits the payment information to the identified second country financial company server 7.

Here, the card number of the international prepaid card may be mapped to a second station financial company identification number of a plurality of financial companies in the same second country. Therefore, when the payment is generated by the international prepaid card, the card company identification server 6 identifies the payment financial company identification number to be dedicated to the payment among the plurality of second country financial company identification numbers mapped to the generated card number, and the identification number Payment information is transmitted to the corresponding second country financial company server 7 using the first six digits of.

The second country financial company server 7 issues an international prepaid card to the financial companies of the first countries that are affiliated with the business by the application of the first country citizen 2. Then, the financial institution identification number of the second country is mapped to the card number of the international prepaid card. Thereafter, when the first country citizen 2 visits the second country and pays with the international prepaid card at the second country affiliated store 5, the payment company ID is identified by the card company identification server 6, and the international prepaid card is identified. Receive payment information. Then, the second country financial company server 7 performs the approval processing of the payment against the corresponding first country financial company server 3.

FIG. 2 is a schematic illustration of an initial issuance model of an international prepaid card used in the payment system 1 of FIG. 1.

The international prepaid card is issued to the citizens of the first country in real time by applying for issuance of the card by the citizen of the first country 2 and issuing the financial institution server 3 of the first country. Here, a bank identification number (BIN) such as a kind of credit card number is printed on the international prepaid card. The financial institution identification number printed is the card number of the international prepaid card. Whenever a user receives a card issued by a second country financial company with an international prepaid card previously issued, the card number issued by the second country financial company is further mapped to the card number. The card number may be a second country financial company identification number of a specific card issued by the second country financial company and may be used as a charging account number of the card. In addition, the first country financial company server 3 may issue an international prepaid card issued with a flat-rate ticket or an international prepaid card that can be charged only once.

Subsequently, when payment is made overseas using the international prepaid card, the second country financial company mapped to the card number of the payment information, the first country financial company that sold the card, and the user who purchased the card may be identified.

First, the first national citizen 2 applies for issuing a card by purchasing an international prepaid card sold by the first financial institution at a branch of the first financial institution or at an online or offline sales outlet. The first country citizen 2 selects at least one card product of a second country financial company when applying for the card issuance. Of course, the first country citizen 2 may select card products of the second country's financial company for each of the plurality of countries or select card products of the plurality of second country's financial companies within the same country.

The first country financial company server 3 receives application information of the card issuance requested by the first country citizen 2. The first country financial company server 3 requests the card issuance to the second country financial company server 7 according to the user's application.

Then, the second country financial company server 7 receives the request for issuing the card from the first country financial company server 3, and then inputs the second country financial company identification number mapped to the card number of the received international prepaid card. It generates and responds to the first country financial company server (3).

When the first country financial company server 3 receives the second country financial company identification number from the second country financial company server 7, the card mapping server 3 identifies the card number of the international prepaid card and the second country financial company. Request a mapping of numbers.

The card mapping server 4 receives card information issued from the first country financial company server 3 whenever card issuance is added by the first country citizen 2 from the second country financial company. The card mapping server 4 maps the second station financial company identification number to the received card number and stores it in the DB.

Then, the first country financial company server 3 prepaid the amount of the first country currency requested by the first country citizen 2, and at least one second country financial company identification number is mapped to the card number. Issue an international prepaid card to the user. Therefore, when visiting the second country, the first country citizen 2 can simply purchase an international prepaid card and charge the currency of the first country as much as he / she wants, without having to separately prepare the currency of the second country.

Meanwhile, the first country citizen 2 requests additional issuance of the international prepaid card to the pre-mapped foreign country or other foreign country's financial company through the first country financial company server 3 for the previously issued international prepaid card. Can be. The second country financial institution identification number generated by the issuance of the added card is further mapped to the card number of the international prepaid card. In addition, the first country citizen 2 may further charge the balance of the international prepaid card in the first country currency through the first country financial company server 3 whenever necessary.

FIG. 3 is a schematic illustration of a model in which a plurality of second country financial company identification numbers are mapped to an international prepaid card issued in FIG. 2.

The first national citizen 2 receives an international prepaid card prepaid from the first financial institution server 3. For convenience of explanation, it is assumed that the first national citizen 2 has been issued a card from a financial company in Korea, China and Hong Kong as a second national country using the international prepaid card as a Japanese user. Korean financial firms issue international prepaid cards in partnership with Japanese financial firms. Japanese financial companies sell international prepaid cards that can be settled at merchants in South Korea, targeting users similar to Japanese citizens. Then, a Japanese user may charge an international prepaid card in yen and pay in won in an affiliated store in Korea.

Here, since the Japanese user frequently visits Korea, cards of companies A, B, and C of Korean financial institutions were issued. Herein, each financial company card product may have a unique discount such as lunch discount, medical discount, event benefit, and the like. Of course, Japanese users may be issued a plurality of cards issued by individual financial companies. The card mapping server 4 stores the card mapping information including the financial company identification numbers of A, B and C in Korea for the card number of the international prepaid card.

When a Japanese user uses an international prepaid card at a merchant in Korea, the card company identification server 6 connected to the VAN network receives the payment information including the card number to identify the financial company and then receives the payment information received by the corresponding financial company server. Must transmit.

To this end, the card mapping server 4 is pre-selected by the Japanese user's application for the payment financial company identification number to be dedicated to the payment from the at least one second country financial company identification number for each individual country. Then, the card mapping server 4 broadcasts the card number and the payment financial company identification number (second country financial company identification number) to the card company identification server 6 of the corresponding country whenever the payment financial company identification number selected for each country is updated. Can be transmitted in advance by casting. Alternatively, the card mapping server 4 may receive the card number used every time a payment is generated from the card company identification server 6 in real time, and provide the corresponding payment financial company identification number.

For example, in the case of Korea, in the international prepaid card of the Japanese user, it is assumed that A financial company has selected an identification number as a payment financial company identification number. If a Japanese user uses a hospital or pharmacy, the banking company is changed to the B financial company identification number for card benefits. The Japanese user connects online to the first country financial company server 3 that issued the international prepaid card to apply for the change of the payment financial company. In this case, the online connection includes an ARS connection, an application connection of a smart terminal, an online connection of a computer terminal, and the like, without particular limitation. Then, the card mapping server 4 changes the settlement financial company identification number from the company A identification number to the company B identification number through the first station financial company server 3. After that, when a Japanese user tries to make a payment at a merchant in Korea, the card company identification server 6 receives payment information through a VAN network. The card company identification server 6 transmits the payment information to the corresponding B financial company server 7 using the B financial company identification number mapped to the card number by the broadcasting method or the real-time inquiry method.

Thereafter, the payment information settled in won using the international prepaid card is transferred to the Japanese financial company via the B financial company server identified by the B financial company identification number. The Japanese financial company converts the settled won into Japanese yen at the pre-set exchange rate and deducts the yen charged on the international prepaid card to process the payment authorization. Of course, if the exchanged yen is larger than the yen charged on the international prepaid card, the Japanese financial company will fail the payment authorization.

When a Japanese user makes a payment at a merchant in Korea using an international prepaid card filled with yen, if the amount is insufficient, the real number of the international prepaid card is recharged using internet banking or mobile banking in real time. You can use it to deposit yen and recharge it whenever necessary .

Furthermore, when the Japanese user visits China after finishing a visit to Korea, the international prepaid card used in Korea can be used immediately at a merchant store upon arrival in China within the balance limit. And, if a plurality of Chinese financial companies are set up as in Korea, Japanese users can change the payment financial company identification number of China in real time according to the card benefits before using the card.

Therefore, when the first country citizen 2 of the present invention leaves the first country and visits a plurality of second countries, the card payment service from the financial company of the country mapped to the international prepaid card does not need to prepare a currency for each individual country in advance. To be provided.

4 is a schematic internal structure diagram of the first country financial company server 3 according to an embodiment of the present invention.

The first country financial company server 3 according to an embodiment of the present invention includes a card issuing unit 31 for issuing a card to the first country citizen 2, and the first country citizen 2 is a second country affiliate store 5. ), The payment approval request receiving unit 33 for receiving the request for approval of the payment made in), the currency exchange unit 34 for converting the currency of the second country requested for approval into the currency of the first country, and the first currency for which the currency is calculated. It may be configured to include an approval processing unit 35 for determining whether or not payment approval by comparing the payment amount and prepaid balance of the country.

The card issuing unit 31 requests the card issuance to the financial institution server 7 of the second country in response to the card issuance application of the first country citizen (2). The card issuing unit 31 receives the newly generated second country financial company identification number from the second country financial company server 7 to issue an international prepaid card in which the second country financial company identification number is further mapped to the card number. And save the issued information. The issuance information includes user information, card information, mapped at least one second country financial company identification number, charge amount and issue date. The user purchases an international prepaid card that corresponds to the amount prepaid, so there is no need to provide personal information or qualify as a credit card. After receiving the international prepaid card, the first national citizen (2) may apply for an additional issuance of the new second financial institution's card, or the suspension or termination of the card that has already been issued and mapped.

When a chargeable account is assigned to the international prepaid card, the first country financial institution server 3 further includes a prepaid charging unit 32. The charging card is provided with a charging virtual account of the user, and the issue information including the virtual account number is further stored in the DB. Thereafter, the first country citizen 2 can access the financial institution server 3 through online banking, phone banking, etc., and inquire about the prepaid balance, and further recharge as needed. The prepaid charging unit 32 additionally charges the balance of the international prepaid card whenever the amount is deposited in the first country's currency into the virtual account. For example, the first country citizen 2 may perform charge management by performing an account transfer to a virtual account through an application installed in a mobile terminal. Further, the application may perform a process of applying for a card product of a second country financial company, setting up a payment financial company identification number, receiving a payment approval notification, and checking a remaining balance.

Then, when the payment occurs in the second country affiliated store 5 by the international prepaid card, the card company identification server 6 receives the payment information from the second country affiliated store 5. The card company identification server 6 may query the payment financial company identification number set in the received card number and transmit payment information to the corresponding second country financial company server 7.

The payment approval request receiving unit 33 corresponds to a second country financial company identification number mapped every time a first country national 2 makes a payment with an international prepaid card at a second country affiliated store 5 online or offline. The payment approval request is received from the two-company financial company server 7. The received information includes the card number, the second country financial institution identification number, and the expiration date, the payment price of the second country currency, the merchant information, and the like. Here, the payment amount may be an amount to which the benefit of the card product corresponding to the second country financial company identification number is applied.

The currency exchange unit 34 calculates the exchange rate to the payment price of the currency of the first country by applying a predetermined exchange rate to the payment price of the currency of the second country where payment approval is requested.

In this case, when the overseas payment of a conventional credit card is processed, the user must bear all of the exchange cost required to exchange dollars because the base currency is dollars. For example, if a Japanese person pays the won in Korean merchants with a credit card (e.g. Visa card, Master Card, etc.) issued by a Japanese financial company, the credit card company calculates the won price in dollars, The second currency is calculated in yen to charge the user. Therefore, the user bears both of the two exchange costs calculated at the time of payment, so that the user's billing price in yen is increased. However, in the present invention, only one exchange fee is generated in accordance with the business alliance between financial companies in each country, and it is more economical than the credit card method in terms of exchange fee.

The approval processing unit 35 compares the settlement amount calculated in the currency of the second country with the balance of the international prepaid card. And if the remaining balance is more than the payment price, it is determined as payment approval, and the payment price is subtracted from the charged balance. Of course, if the remaining balance is less than the payment price payment approval is determined to fail. The approval processing unit 35 then transmits the result of the approval processing to the second country financial company server 7.

Here, the approval processing unit 35 may be notified in real time to the user's notification means (for example, email, SMS, mobile application push service) of the result of the approval processing. For example, when a national of a first country is provided with a roaming service in a second country, a result of processing of payment approval may be received through SMS notification. In addition, through wireless network communication, the application may receive a processing result of payment approval in real time.

Furthermore, the first country financial company server 3 may further include a purchase request receiving unit 36 that is requested to purchase a payment and a purchase request payment unit 37 that processes payment of the purchase request.

Preferably, the purchase request receiving unit 36 may process that the event of the purchase request is generated automatically when the approval of the payment processing unit 35 is successful. That is, when the payment approval process is successful, the purchase request receiving unit 36 considers the purchase request received in real time. In addition, the purchase request receiving unit 36 may consider that an event of a purchase request occurs on a contracted date (for example, the end of each month, the third business day after the date of payment). Also, the purchase request receiving unit 36 may be processed to receive the purchase request from the second financial service company server 7.

When the event of the purchase request occurs, the purchase request payment unit 37 deposits the currency of the second country in which the exchange rate is calculated for each payment to the designated account of the second country financial company. Subsequently, when the payment amount is deposited to the account of the second country financial company, the second country financial company server 7 deposits the remaining payment amount excluding the fee to the second country affiliated store 5 to the merchant account to complete the settlement. .

FIG. 5 is a schematic internal structure diagram of the card mapping server 7 of FIG. 4.

The card mapping server 7 sets a banking company identification number mapping unit 41 which maps and stores a card number and a plurality of second country financial company identification numbers, and sets a payment banking company identification number requested by the first country citizen 2. It includes a financial company identification number setting unit 42 and a payment financial company identification number providing unit 43 for providing a set payment financial company identification number.

The card issuing unit 31 of the first financial institution server 3 receives the financial institution identification number of the second financial institution from the second financial institution server 7 by the application of the first citizen 2 and the card issuance is approved Receive. Then, the card mapping server 4 requests an additional mapping of the second country financial company identification number issued to the mapping information of the international prepaid card.

The financial company identification number mapping unit 41 receives a request for mapping the card number and the second country financial company identification number from the first country financial company server 3, maps the received card number and the second country financial company identification number to the DB. Save it.

Subsequently, when a request for changing the payment financial company identification number is received from the first country financial company server 3 by the first country national 2, the payment financial company identification number setting unit 42 selects the specific second country financial company selected by the user. Set the identification number to the payment financial company identification number that will be responsible for the payment processing generated in the second country.

Then, the payment financial company identification number providing unit 43 may provide the payment financial company identification number set for each country of the international prepaid card to the card company identification server 6 by the broadcasting method or the real-time inquiry method as described above.

FIG. 6 is a schematic internal structure diagram of the second station financial company server 7 of FIG.

The second country financial company server 7 according to an embodiment of the present invention includes a card issuing unit 71 for processing issuance of an international prepaid card, a card issuing recording unit 72 for recording issued card information, and an international prepaid card. Payment information receiving unit 73 receiving payment information when the merchant payment occurs, the first country financial company identification unit 74 to identify the first country financial company from the received payment information, the payment information to the first country financial company server (3) Payment approval request unit 75 for requesting approval by sending a payment, the payment approval response unit 76 that receives the processing result of payment approval from the first country financial company server 3 and responds to the terminal of the second country affiliated store 5. It is configured to include.

The card issuing unit 71 requests a card issuance including the card number of the international prepaid card through the first country financial company server 3 whenever the first country citizen 2 applies for the issuance of the card of the second country financial company. Receive. The card issuing unit 71 generates a second station financial company identification number to be mapped to the card number as the card number of the new issuing card and responds to the first station financial company server 3.

Here, the second country financial company server 7 may further include a card product providing means 711. The card product providing means 711 receives the inquiry request and provides the product information of the international prepaid card issued by the second country financial company to the first country citizen 2. The citizen of the first country 2 may apply for issuing a desired card product after comparing the card benefits by searching the card product information of the second country financial company.

When the card issuing recorder 27 issues a card against the first country financial company server 3, the card issuing recording unit 27 stores the card number, the second country financial company identification number, and the first country financial company information in a DB. Subsequently, the second country financial company server 7 receives payment information when a card payment occurs in the second country affiliated store 5, and applies for approval by referring to the first country financial company information corresponding to the card number from the DB. Can be.

The payment information receiving unit 73 is a second country financial company server through the card company identification server (6) connected to the VAN network when the first country's national (2) makes payment in the second country affiliate store (5) with an international prepaid card ( As 7) is identified, payment information generated at the affiliated store is received. That is, since the payment financial company identification number dedicated to payment for each country is set for the card number of the international prepaid card, payment information is transmitted to the payment information receiving unit 73 of the second country financial company server 7 corresponding to the set identification number. do.

The first country financial company identification unit 74 identifies which financial institution identification number of the received payment information is an international prepaid card issued by the first country financial company.

Here, the second country financial company server 7 may further include a card benefit applying unit 741. The card benefit application unit 741 applies various benefits granted to the card to the payment amount settled in the second currency in the received payment information. For example, if a discount is granted to an international prepaid card, the payment amount is deducted by the discount rate.

The payment approval request unit 75 transmits payment information to which the benefit is applied to the identified first country financial company server 3 to request payment approval.

The payment approval response unit 76 receives a processing result of the payment approval determined by the comparison of the remaining balance from the first country financial company server 3, and responds to the second country affiliated store 5 with the processing result. .

Further, the second country financial company server 7 receives the purchase price from the purchase request transmission unit 46 and the first country financial company server requesting the purchase of the payment to the first country financial company server 3 to the merchant. It is configured to further include a merchant settlement unit 47 for depositing payment processing.

The purchase request transmission unit 46 may transmit a purchase request to the merchant bank settlement of the first country financial company server (3). On the other hand, it has already been described that the purchase request can be automatically generated in the first financial institution server (3).

When the merchant settlement unit 47 completes the payment in the currency of the second country for the merchant settlement by the processing of the first country financial company server 3 after the purchase request is generated, the payment is made from the first country financial company. The payment will be made to the merchant. For example, a predetermined fee may be deducted from individual payments of a merchant and the remaining money is transferred to the merchant's account.

<2. Method composition>

The payment method of the international prepaid card using the mapping of the financial institution identification number for each country according to an embodiment of the present invention can be preferably realized through the construction of the payment system 1 described above.

7 is a schematic flowchart of a process for issuing an international prepaid card according to an embodiment of the present invention.

The first country financial company server 3 receives an application for issuing an international prepaid card from the first country citizen 2 (S31). The received application information includes card goods information of the second country financial company. . Here, the first country financial company server 3 transmits the card number of the international prepaid card to be issued to the user to the second country financial company server 3 to request the card issuance.

When the second country financial company server 3 receives the request for card issuance, the second country financial company server 3 generates the card number of the card to be issued to the first country citizen 2 as the second country financial company identification number. The first station financial company server 3 responds (S71). The second country financial company server 3 stores the received card number, the newly issued second country financial company identification number, and the first country financial company information in the DB (S72). When the first country financial company server 3 receives the second country financial company identification number, it requests the card mapping server 4 to map the card information.

The card mapping server 4 receives the mapping request from the first station financial company server 3, maps the second station financial company identification number to the transmitted card number, and stores the mapping request in the DB (S41).

Here, whenever the card mapping server 4 receives the selection information of the payment financial company identification number requested by the first country citizen 2 through the first country financial company server 3, the card mapping server 4 corresponds to the first information corresponding to the selection information. The second country financial company identification number of the two countries is set in the DB as the payment financial company identification number (S42). When a card of a second country financial company is issued and mapped for the first time in an individual country, the card number of the issued card is automatically set as the payment financial company identification number.

Further, the card mapping server 4 provides the payment financial company identification number set for each country to the card company identification server 6 of the corresponding country (S43). Specifically, the card mapping server 4 may notify the card company identification server 6 of the corresponding country in a broadcast manner every time the payment financial company identification number is updated. Alternatively, the card mapping server 4 may receive an inquiry request including the card number from the card company identification server 6 and generate a query request including the card number. have.

After issuing the card of the second country financial company and storing the card mapping information, the first country financial company server 3 prepaid the user's purchase amount to the international prepaid card to which the second country financial company identification number is mapped. Issue (S32). When a national of a first country is issued a card, a merchant of a second country can present a card and pay in place of cash.

Subsequently, the first country financial company server 3 may issue an international prepaid card by additionally mapping a new issuance card of the second country financial company to a previously issued international prepaid card according to the application of the first country citizen 2. . The first country financial company server 3 may change and set the payment financial company identification number upon application of the first country citizen 2. Further, the first financial institution server 3 can charge the balance of the corresponding international pre-paid card by the deposit amount each time a deposit is made in the charging account.

8 is a schematic flowchart of a payment approval process of an international prepaid card according to an embodiment of the present invention.

When payment of an international prepaid card is made by a national of the first country 2 at the second country affiliated store 5, the card company identification server 6 of the second country connected to the VAN network receives the card number of the card used for payment. Receive payment information including (S61).

The card company identification server 6 identifies the second station financial company identification number corresponding to the six digits of the card number according to the broadcasting method or the inquiry method described above. Of course, the card number may be one of a plurality of second country financial company identification numbers mapped to the card. When the second station financial company identification number is identified, the card company identification server 6 transmits the payment information to the second station financial company server 7 corresponding to the identification number.

The second country financial company server 7 receives the payment information through the mediation of the card company identification server 6 (S73). The second country financial company server 7 searches the corresponding first country financial company information by using the card number of the received payment information to identify the first country financial company server 3 (S74). The second country financial company server 7 applies the inquired card benefit after inquiring the card benefit using the second country financial company identification number corresponding to the card number (S741). If the card benefit is a discount for a particular industry or amount, the payment amount is deducted by the discount amount. Thereafter, the second country financial company server 7 transmits the approval application information including the payment price to which the discount is applied to the identified first country financial company server 3 (S75).

Then, the first country financial company server 3 receives the approval request from the second country financial company server (7) (S23). The first country financial company server 3 calculates the exchange rate of the received first country currency in the second country currency (S34). In addition, the first country financial company server 3 determines that the payment is successful when the amount of charge of the card is greater than the payment amount of the currency of the second country where the exchange rate is calculated, and subtracts the amount of payment from the charge balance (S35). If the remaining balance is less than the payment amount, it is determined that the payment has failed. The processing result of the settlement approval is returned in real time to the first station financial institution server 7. The processing result may include the filling balance.

The first country financial company server 3 receives the processing result in real time from the second country financial company server 7 in response to the approval request, and responds to the second country affiliated store 5 where payment has been generated (S76). ).

9 is a schematic flowchart of a payment processing process of an international prepaid card according to an embodiment of the present invention.

Payment of the international prepaid card used by the people of the first country in the second country is subject to the approval decision processing of the first country financial company server 3, and the price charged to the card is deducted in real time. Thereafter, the process of payment and settlement processing is as follows.

First, the purchase event is generated in the first country financial company server 3 for the overseas settlement using the international prepaid card (S36). The occurrence of the purchase event has been described above.

When the purchase event occurs, the first country financial company server 3 completes the payment processing for the purchase request by depositing the payment amount to the designated account of the first country financial company using the second country currency calculated for the exchange rate ( S37).

Then, the second country financial company server 7 completes the merchant settlement process by depositing the remaining payment amount after deducting the fee to the operator account of the second country affiliated store 5 (S78).

In the above-described embodiment, the term "~ part" is not used as a term meaning a hardware division of the payment system (1). Therefore, a plurality of components may be integrated into one component, or one component may be divided into a plurality of components. In addition, the component may mean a hardware component, but may also mean a component of software. Therefore, it is to be understood that the present invention is not particularly limited by the term "part".

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is to be understood that the invention is not limited to the disclosed exemplary embodiments. It goes without saying that various modifications and variations are possible within the scope of equivalence of the scope.

1: payment system 2: nationals of the first country
3: first country financial company server 4: card mapping server
5: second country merchants 6: card company identification server
7: second country financial company server

Claims (18)

In the payment system of the international prepaid card for mapping and storing the card number of the international prepaid card and the identification number of a plurality of financial institutions for each country, and managing the identification number,
Since the international prepaid card is issued to the first country user by the first country financial company server, the second country financial company identification number of the card issued by the second country financial company is transmitted from the first country financial company server to the card. A financial company identification number mapping unit for storing each identification number of the card number as card mapping information each time it is received;
A payment banking company identification number setting unit for receiving selection information of a payment banking company identification number for processing payment for each country from among a plurality of financial company identification numbers of the same country stored as the card mapping information and additionally storing the carding information in the card mapping information; And
Payment financial company identification number providing unit for providing the payment financial company identification number to the card company identification server for each country to identify the card company that will be in charge of payment processing corresponding to the card number
International prepaid card payment system comprising a card mapping server comprising a. At the request of a user of a first country, a card issuance is issued for an international prepaid card of a second country's financial company, and a second country's financial company identification number is received from the second country's financial company server for each individual application. A card issuing unit for issuing an international prepaid card to which the identification number is mapped and storing the issuing information;
If the international prepaid card is used for payment in a second country, a payment approval request receiving unit for requesting payment approval from the second country financial company server corresponding to the identification number;
A currency exchange unit for converting a payment price of a second country currency for which payment approval is requested to a first country currency with reference to the set exchange rate information; And
If the balance of the international prepaid card is larger than the payment amount of the exchanged first country currency, the approval processing unit responds to the result of the payment approval success by deducting the payment amount of the first country currency from the balance.
Payment system for an international prepaid card comprising a first country financial company server comprising a. The method of claim 2,
The second country financial company server,
When a product of an international prepaid card of a second country financial company is requested from the first country financial company server, the card issuing card receives the application information and generates and responds to a second country financial company identification number mapped to the card number of the international prepaid card. part;
A card issuing recorder for matching and storing the card number, the second station financial company identification number and the first country financial company information by issuing a card;
Payment information for receiving payment information using the second country financial company identification number (corresponding to the payment financial company identification number) confirmed from the card mapping server when the payment is generated at the second country merchant online or offline by the international prepaid card. Receiving unit;
A first station financial company identification unit for retrieving first country financial company information corresponding to the second country financial company identification number of the received payment information to identify the first country financial company server;
A payment approval request unit which transmits payment information to which the card benefit corresponding to the second country financial company identification number is applied to the identified first country financial company server and requests payment approval; And
Payment approval response unit for receiving the processing result of the payment approval from the first country financial company server and responds to the processing result to the merchant side.
International prepaid card payment system comprising a. The method of claim 2,
Since the international prepaid card is issued to the user of the first country by the first country financial company server, the card number is mapped to the card number whenever the second country financial company identification number of the card issued by the second country financial company is mapped to the card. Financial company identification number mapping unit for storing each of the identification number for the card mapping information for;
A payment banking company identification number setting unit for receiving selection information of a payment banking company identification number for processing payment for each country from among a plurality of financial company identification numbers of the same country stored as the card mapping information and additionally storing the carding information in the card mapping information; And
Payment financial company identification number providing unit for providing the payment financial company identification number to the card company identification server for each country to identify the card company that will be in charge of payment processing corresponding to the card number
International prepaid card payment system further comprises a card mapping server comprising a. The method according to any one of claims 2 to 4,
The first country financial company server,
The payment system for an international prepaid card, characterized in that it further comprises a prepaid charging unit for prepaid to the international prepaid card in the currency of the first country at the request of a user of a first country. The method according to any one of claims 2 to 4,
The first country financial company server,
And assigning a virtual account of a user of a first country to the international prepaid card and charging as much as the deposit amount whenever the amount is deposited into the virtual account. The method according to any one of claims 2 to 4,
The first country financial company server,
A purchase request receiving unit which receives a purchase request for the use amount of the international prepaid card from a financial institution server of a second country; And
Purchase request payment unit for processing the payment of the purchase request using the payment amount deducted from the balance of the international prepaid card
Further comprising the step of: The method according to any one of claims 2 to 4,
The second country financial company server,
A purchase request transmission unit which transmits a purchase request for the use amount of each international prepaid card to the first country financial company server; And
Merchant settlement unit that receives the use amount processed by the first country financial company server and deposits the used amount according to the predetermined settlement procedure for each online or offline affiliate store
Further comprising the step of: The method of claim 8,
The second country financial company server,
Card product providing means for providing card product information including benefit information unique to each international prepaid card sold by a second country financial company in response to a user's inquiry request; And
Card benefit application unit for querying the benefit information of the card product corresponding to the financial institution identification number of the second country, and apply to the payment amount of the payment information as the benefit information
Further comprising the step of: In the payment method of the international prepaid card executed by the card mapping server for mapping and storing the card number of the international prepaid card and the identification number of a plurality of financial institutions for each country, and manages the identification number,
(A) Every time an international prepaid card is issued to a user of a first country by a first country financial company server, each time a second country financial company identification number of a card issued by the second country financial company is received and mapped to the card, the card is transmitted. A financial company identification number mapping step of storing each identification number with respect to the number as card mapping information;
(B) Set payment banking company identification numbers for receiving selection information of a payment banking company identification number to handle payment for each country from among a plurality of financial company identification numbers of the same country stored as the card mapping information, and additionally storing them in the card mapping information. step; And
(C) providing a payment financing company identification number for providing the payment financing company identification number to a card company identification server for each country that identifies a card company that will be in charge of payment processing corresponding to the card number;
International prepaid card payment method comprising a. In the payment method of an international prepaid card executed by a first country financial company server that issues an international prepaid card that is commonly used for each second country with the permission of a plurality of second country financial companies,
(a) At the request of a user of a first country, a card issuance is issued for an international prepaid card of each second country's financial company; each individual application receives a second country's financial company identification number from the second country's financial company's server, A card issuing step of issuing an international prepaid card to which each identification number is mapped and storing the issuing information;
(b) if the international prepaid card is used for payment in a second country, receiving a payment approval request from the second country financial company server corresponding to the identification number;
(c) a currency exchange step of exchanging a payment price of a currency of a second country in which the payment approval is requested with reference to the set exchange rate information into a currency of a first country; And
(d) If the balance of the international prepaid card is larger than the payment amount of the exchanged first country currency, the approval processing step of subtracting the payment amount of the first country currency from the balance and responding to the result of the payment approval success.
International prepaid card payment method comprising a. 12. The method of claim 11,
As the second country financial company server executes,
The step (a)
(a1) When a product of an international prepaid card of a second country financial company is applied from the first country financial company server, the application information is received and a second country financial company identification number mapped to the card number of the international prepaid card is generated and responded. A card issuing step; And
(a2) a card information recording step of matching and storing the card number, the second station financial company identification number, and the information of the first country financial company;
The step (b)
(b2) If payment occurs in a second country merchant online or offline by the international prepaid card, receiving payment information using a second country financial company identification number (corresponding to the payment financial company identification number) confirmed from the card mapping server. Steps to Receive Payment Information
(b3) a first station financial company identification step of identifying first country financial company servers by inquiring first country financial company information corresponding to the second country financial company identification number of the received payment information; And
(b4) further comprising a payment approval request step of transmitting payment information to which the card benefit corresponding to the second country financial company identification number is applied to the identified first country financial company server to request payment approval,
Step (d) is,
(d1) A payment approval response step of receiving a processing result of the payment approval from the first country financial company server and responding to the processing result to the affiliated store.
International prepaid card payment method comprising a. 13. The method of claim 12,
As the card mapping server executes.
The step (a)
(a3) Every time an international prepaid card is issued to a user of a first country by the first country financial company server, each time a second country financial company identification number of a card issued by a second country financial company is received and mapped to the card. A financial company identification number mapping step of storing each identification number with respect to a card number as card mapping information;
(a4) receiving selection information of a payment financial company identification number to be dedicated to payment for each country among a plurality of financial company identification numbers of the same country stored as the card mapping information, and additionally storing the selection information in the card mapping information Setting a payment financial company identification number; And
(a5) further comprising the step of providing a payment financing company identification number for providing the payment financing company identification number to a card company identification server for each country identifying a card company to be responsible for payment processing corresponding to the card number. Payment Method. The method according to any one of claims 11 to 13,
The step (a)
The first country financial company server further comprises a prepaid recharge step of prepaid to the international prepaid card in the first country's currency at the request of the user of the first country. The method according to any one of claims 11 to 13,
After step (a),
A virtual account of a user of a first country is assigned to the international prepaid card, and the first country financial institution server further comprises charging the amount by the amount of each deposit to the virtual account. Payment Method. The method according to any one of claims 11 to 13,
The first country financial company server,
(e2) a purchase request receiving step of receiving a purchase request for the use amount of the international prepaid card from a financial institution server of a second country; And
(f1) a purchase request payment step of processing the payment of the purchase request using a payment amount deducted from the balance of the international prepaid card;
The payment method of the international prepaid card, characterized in that to further run. 17. The method of claim 16,
The second country financial company server,
(e1) a purchase request transmitting step of transmitting a purchase request for the use amount of each international prepaid card to the first country financial company server; And
(f2) Merchant settlement step of receiving the payment amount processed by the first financial institution server and depositing the payment amount according to the predetermined settlement procedure for each online or offline affiliated store;
The payment method of the international prepaid card, characterized in that it further comprises. 13. The method of claim 12,
The second country financial company server,
Before step (a),
A card goods providing step of providing card goods information including unique benefit information for each international prepaid card sold by the second country finance company in response to a user's inquiry request;
Before step (b4),
And applying the card benefit to apply the benefit information to the payment amount of the payment information by querying the benefit information corresponding to the financial institution identification number of the second country.

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