KR20140017240A - Sistem a issue card for having made to foreign - Google Patents

Abstract

The present invention relates to a card issue system for a foreigner. When issuing a card which is charged with foreign currency and domestic currency and has a check card payment function and a transportation card function, the present invention includes the following steps of: opening a payment account based on passport information (or immigration transportation ticket information) of the foreigner; requesting a card issue approval evaluation and a card issue based on the opened payment account; receiving issue information for the card issue if the card issue request is approved; and processing the received and processed card issue information to be recorded in a card to be issued and transferred to the foreigner. [Reference numerals] (100) Payment account opening server; (100a) Interface unit; (100b) Interface providing unit; (100c) Information receiving unit; (100d) Information generating unit; (100e) Information storage unit; (AA) External system; (BB) Internet banking unit; (CC) Phone banking unit; (DD) Call center unit; (EE) Financial payment unit; (FF) Account system; (GG) Credit unit; (HH) Reception unit; (II) Trust unit; (JJ) Information system; (KK) Asset/liability managing unit; (LL) Customer relation managing unit; (MM) Performance managing unit; (NN) Financial system; (OO) Financial product; (PP) Ledger information; (QQ) Management information; (RR) Interface module (middleware); (SS) Financial network; (TT) Write/submit a foreign customer application form; (UU) Window terminal

Description

{Sistem a Issue Card for having made to Foreign}

The present invention relates to a card issuance system for foreigners, which is charged through foreign currency and domestic currency, and when issuing a card equipped with a check card payment function and a transportation card function, the passport information of the foreigner (or an immigration vehicle ticket) Opening a payment account based on the information), requesting a card issuance approval review request based on the opened payment account, and requesting issuance of the card, and if the card issuance request is approved, issue the card. And receiving and processing the issuance information, and processing the issuance information of the received card to be recorded in a card to be issued to a foreigner.

As the quality of life improves due to the development of modern society, the number of tourists traveling abroad is increasing rapidly, while the number of foreign tourists entering Korea is not keeping up with the number of domestic tourists.

This is mainly due to the lack of cultural, economic and social benefits for tourism compared to foreign countries rather than the lack of sights in Korea.

In addition, foreigners visiting Korea are using a prepaid T-Money transportation card that can be used to pay cash for transportation, or can be purchased in Korea and includes a simple payment method besides a transportation card.

However, the T-Money transportation card, which can be used more conveniently than cash payment, is purchased with the balance filled as required by the customer at the time of the first purchase, even if a large amount is charged when the foreigner leaves the country. There was no social system to do this, so there was a problem to leave with a prepaid T-Money transportation card.

In addition, the T-Money transportation card, which provides only a simple transportation card function and a small payment function, has a problem of insufficient foreign currency earning for foreign tourists. By having a purchased T-Money transportation card together, there was a problem of using it alternately.

The present invention, in order to solve the above problems, is charged through foreign currency and domestic currency, and when issuing a card equipped with a check card payment function and a transportation card function, based on the passport information (or immigration vehicle ticket information) of the foreigner Opening a payment settlement account; and requesting a card issuance approval review request based on the opened payment settlement account; and requesting issuance of a card; and when the card issuing request is approved, issue information for issuing the card. It provides a card issuing system for a foreigner comprising the step of receiving and processing, so as to record the issuance information of the received card to the card to be handed over to the foreigner.

 The card issuing system for foreigners according to the present invention is charged through foreign currency and domestic currency, and when issuing a card equipped with a check card payment function and a traffic card function, the passport information of the foreigner (or immigration vehicle ticket information) Opening a payment account based on the card), requesting a card issuance approval review request based on the opened payment account, and issuing a card, and if the card issuing request is approved, for issuing the card. Receiving and issuing the issuing information; and processing the issuing information of the received card to be recorded in a card to be handed over to a foreigner.

In addition, when the foreign customer requests payment through the affiliated store using a check card function that is issued and processed, the method further includes the settlement of the card payment amount corresponding to the card payment to the payment affiliated store.

In addition, when the merchant card payment processing, the payment amount of the card exceeds the balance of the payment account further comprises the step of checking the payment amount.

The method may further include outputting payment details to the terminal (cell phone and network communicator) of the alien when the foreigner requests card payment information through a terminal (cell phone and network communicator) provided when the card is issued.

In addition, when the payment amount corresponding to the card payment of the foreigner is settled to the payment merchant, if the payment amount exceeds the legal amount set by the foreign country, the excess range is notified to the terminal (cell phone and network communicator). It further includes the approval and rejection steps according to the steps and the decision of the foreigner.

According to the card issuing system for foreigners according to the present invention, when using a transportation card equipped with a check card function, which is a product payment amount function, each has a credit card and a check card issued in the country and a traffic card purchased in Korea. There is an effect that can eliminate the discomfort.

In addition, the check card presented for payment of goods purchase can be easily checked through the terminal (cell phone and network communicator) in the payment account opened based on the foreign passport information (or immigration transportation ticket information). In addition, if the amount of use of the check card exceeds the country-specific usage, the payment amount is approved according to the decision of the foreign user.

1 is a diagram showing a system for opening a payment settlement account for payment processing based on foreign passport information according to an embodiment of the card issuing system for foreigners according to the present invention.
2 is a diagram showing the configuration of a payment settlement account ledger for payment processing based on foreign passport information according to an embodiment of the card issuance system for foreigners according to the present invention.
3 is a diagram illustrating a payment account opening process for opening a payment account for payment processing based on passport information of a foreign customer according to an embodiment of a card issuing system for foreigners according to the present invention.
4 is a diagram illustrating a process for opening a payment settlement account for passport information-based payment settlement processing of a foreign customer according to another embodiment of the card issuing system for foreigners according to the present invention.
5 is a diagram illustrating a system for issuing a foreigner-only alien traffic card according to one embodiment of a card issuing system for foreigners according to the present invention.
6 is a diagram illustrating a process for issuing a foreigner's transportation card charged (or sold) through foreign currency according to one embodiment of a card issuing system for foreigners according to the present invention.
7 is a diagram illustrating the configuration of an offline-based card payment system through a foreigner's traffic card according to an embodiment of the card issuing system for foreigners according to the present invention.
8 is a diagram illustrating an offline payment approval process through a foreigner's transportation card according to an embodiment of the card issuing system for foreigners according to the present invention.

The present invention relates to a card issuance system for foreigners, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention.

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, terms are to be described below are terms defined in consideration of functions in the present invention, which is the present invention The terminology will be properly used so that those skilled in the art can clearly understand the present invention, but the present invention is not limited to the principles and configurations thereof.

1 is a diagram showing a system for opening a payment settlement account for payment processing based on foreign passport information according to an embodiment of the card issuing system for foreigners according to the present invention.

In more detail, Figure 1 is a request for opening a payment account for payment processing based on the passport information of the foreign customer through the interface for opening a foreign-facing payment account that wants to use a traffic card in Korea, payment settlement according to the present invention The present invention relates to a system for opening a payment settlement account for a foreigner's transportation card operating account opened under a predetermined transportation card operating institution name in an account opening system.

 Specifically, a foreigner who wants to use a transportation card in the country visits a window of a financial institution that opens the payment account, fills out an application for opening an account, and submits it to a teller. The present invention relates to a process of providing a payment account for opening a payment account for providing a payment account for payment processing based on the passport information of the foreign customer and providing information for opening an account corresponding thereto.

The financial system provided in the financial institution is connected to a window terminal provided at a branch (and / or a branch) of the financial institution through a financial network, and the face-to-face of a financial transaction customer through the window terminal. A financial transaction service is provided, and the financial transaction service includes a financial transaction service for opening an account for payment processing based on passport information of the foreigner by opening and operating the payment settlement account.

In addition, the financial system is provided with a financial terminal, including a CD / ATM (Cash Dispenser / AutomaticTeller Machine) provided in the branch or branch of the financial institution, and / or is provided in other financial institutions affiliated with the financial institution. A financial terminal and / or a financial terminal provided in a public place is connected to a predetermined financial network (for example, a CD common network), and the non-face-to-face financing of a financial transaction customer through the financial terminal. A transaction service is provided, and the financial transaction service includes a financial transaction service for opening an account for payment processing based on passport information of the foreigner by opening and operating the payment settlement account.

In addition, the financial system is characterized in that associated with a predetermined Internet banking server, a network (eg, wired Internet, and / or IEEE 802.11x-based WLAN, connected to a TCP / IP-based backbone network through the Internet banking server, And / or a client terminal (e.g., a personal computer (PC) equipped with the wired Internet access and browsing function) and / or a laptop connected to the IEEE 802.16x based portable Internet, etc., the wireless LAN / portable Internet access and browsing And a non-face-to-face financial transaction service to at least one financial transaction customer through a laptop equipped with a function and / or a mobile terminal, etc., wherein the financial transaction service is established by the payment account. It includes a financial transaction service for opening an account for passport information based payment processing.

In addition, the financial system is characterized in that associated with a predetermined wireless banking server, a wireless network (e.g., code division multiple access (CDMA) based mobile communication network, and / or IEEE 802.16x based mobile through the wireless banking server) A wireless terminal (e.g., a personal communication system (PCS) and / or a global system for mobile (GSM) terminal having access and browsing functions connected to the mobile communication network, connected to the Internet and / or a DataTAC / Mobitex-based wireless data communication network). And / or provide a non-face-to-face financial transaction service to a financial transaction customer through a personal digital assistant (PDA) and / or a smart phone and / or telematics, etc., wherein the financial transaction service provides the payment. It includes a financial transaction service for opening an account for payment processing based on passport information of foreigners through opening and operating a payment account.

In addition, the financial system is characterized in that associated with a predetermined IC chip-based wireless banking server, a wireless network (e.g., code division multiple access (DMA) based mobile communication network, and IEEE) through the IC chip-based wireless banking server Provides IC chip-based non-face-to-face financial transaction services to financial transaction customers through a wireless terminal connected to an 802.16x-based portable Internet and a DataTAC / Mobitex-based wireless data communication network, and the financial transaction service opens the payment account. And a financial transaction service for opening an account for payment processing based on passport information of the foreign customer through operation.

In addition, the financial system is characterized in that associated with a predetermined telebanking server, a wired telephone terminal (for example, a public switched telephone network (PSTN)) connected to a wired voice telephone network (for example, a public switched telephone network (PSTN)) through the telebanking server , Telephones), and wireless telephones (e.g., PCS and / or GSM terminals and / or smartphones, etc.) connected to certain wireless voice communication networks (e.g., code division multiple access (CDMA) based mobile communication networks). Provides a face-to-face financial transaction service, the financial transaction service includes a financial transaction service for opening the account for payment processing based on the passport information of the foreigner through the opening and operation of the payment account.

According to the present invention, the DBMS provided in the financial system is the ledger on the financial system in which the financial institution opens a financial account to a financial transaction customer and stores a ledger for providing a financial transaction service based on the financial account. / B is provided, and the ledger D / B on the financial system is stored in association with the ledger information for the financial transaction processing provided by the financial institution to the financial transaction customer.

Those skilled in the art to which the present invention pertains correspond to the ledger information provided in the ledger D / B on the financial system according to the type of each financial institution and the purpose and characteristics of the financial system. You should be familiar with the ledger supplementary information.

According to the embodiment of the present invention, the payment account opening server 100 is provided with an interface unit 100a for providing a predetermined payment account opening interface to the window terminal through the financial network.

According to an embodiment of the present invention, when the teller terminal is a teller terminal connected to a predetermined financial network, the interface unit 100a is configured to communicate with the teller terminal based on a protocol stack defined in the financial network. Connect and provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in the payment account opening program provided in the window terminal.

Referring to FIG. 1, when the payment terminal is connected to the payment account opening server 100 through the interface unit 100a, the payment account opening server 100 is linked with the interface unit 100a. An interface providing unit 100b for generating a user interface for inputting and opening an account opening request information at a teller terminal and providing it to the teller terminal, and interworking with the interface unit 100a through the user interface at the teller terminal. An information receiving unit 100c for receiving predetermined payment account opening application information to be inputted and transmitted, and information for generating payment account ledger information corresponding to a payment account to be opened to the customer based on the received account opening application information; The generation card 100d and the traffic card for foreign customers linked to the payment account in the ledger D / B on the financial system. It is achieved by an information storage unit (100e) for storing the created payment account ledger information in association with the account ledger of a financial account corresponding to the account.

The interface providing unit (100b) when the window terminal is connected to the payment account opening server 100 through the interface unit (100a), the payment account opening application information corresponding to the functional configuration provided in the window terminal Generate a user interface that can be inputted and transmitted to the payment account opening server 100 through the financial network and extract the data from the database, and link the generated user interface with the interface unit 100a. Through the counter terminal to be provided.

Thereafter, the teller terminal inputs the account opening application information based on the user interface, and transmits the input account opening application information to the payment account opening server 100 through the financial network.

According to an embodiment of the present invention, when the teller terminal is a teller terminal connected to a predetermined financial network, the interface providing unit 100b may provide a predetermined user interface that can be provided by a payment account opening program provided in the teller terminal. To generate and provide the generated user interface to the window terminal through the interface unit (100a).

When the information receiving unit 100c inputs the account opening application information through the user interface at the window terminal and transmits the information through the financial network, the information receiving unit 100c receives the account opening application information in cooperation with the interface unit 100a. The received account establishment application information is provided to the information generation unit 100d.

The information generating unit 100d is an account to be provided in the payment settlement account opened under the name of a foreigner who is issued a traffic card for use in the country based on the account opening application information received through the information receiving unit 100c. Ledger information is generated and the ledger information is included accordingly.

The information storage unit 100e generates a predetermined payment account ledger associated with the account ledger corresponding to the traffic card operation account for foreign customers provided in the ledger D / B provided on the financial system, and the payment account ledger The generated payment account ledger information is stored in.

2 is a diagram showing the configuration of a payment settlement account ledger for payment processing based on foreign passport information according to an embodiment of the card issuance system for foreigners according to the present invention.

In more detail, Figure 2 is a foreigner traffic provided in the ledger D / B (200) on the financial system to open a payment account for payment processing based on the passport information of the foreign person in the payment account opening system shown in FIG. A payment account ledger configured to be linked to an account ledger corresponding to a card operating account, wherein the ledger is accounted for in a relational relationship with an account ledger corresponding to a traffic card operating account for the foreign customer. Billing account ledger information is the mother account information associated with the payment account, and the payment account to be included in the account ledger provided in the ledger D / B (200) provided on the financial system for transportation card for use in the country This information includes ledger information that must be in place to process at least one financial transaction requested by the issuing foreign customer. Eojinda.

According to the implementation method of the present invention, the payment account ledger information is made to include the mother account number associated with the payment account, and in addition to the account ledger, a predetermined payment account number, point number, currency, opening date, payment account status , Payment account type, payment account rate, payment account password, payment account deposit, bank balance, bank account number, interest interest, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, It includes the ledger information such as the number of unpaid transactions, interest rate account, final payment interest, final payment transaction number, individual interest rate reference, and final interest calculation date, where the payment account deposit is the amount corresponding to the balance of the payment account. As a result, the actual balance of the payment account is deposited in the transportation card operating account for the foreign customer.

3 is a diagram illustrating a payment account opening process for opening a payment account for payment processing based on passport information of a foreign customer according to an embodiment of a card issuing system for foreigners according to the present invention.

Referring to Figure 3, the use of a traffic card in the country to open a payment account to a foreign customer issuing a traffic card for use in the country to open a payment account for payment processing based on the passport number information of the foreign customer If the desired foreign customer fills out a predetermined payment account opening application form and submits the prepared payment account opening application form, the terminal transmits the payment account opening application information included in the payment account opening application form through the payment account opening application interface to the server. Provided by (300).

Here, the payment account opening interface includes a payment account opening application form prepared by the customer, a window terminal used by the financial institution employee, and a financial network connecting the window terminal and the server.

According to an embodiment of the present invention, the payment account opening application information is a payment account opening for opening a payment account for payment payment processing based on the passport number information of the foreign customer to the foreign customer issuing a traffic card for use in the domestic Information on foreign customers who want to use a traffic card in Korea, foreign customer information that is issued a traffic card for domestic use, and transportation card operation account information for foreign customers corresponding to the mother account linked to the payment account It comprises at least one.

Here, foreign customer information that wants to use a transportation card in Korea that requests a foreign customer who is issued a transportation card for use in Korea to open a payment account for opening a payment account for payment processing based on passport number information of the foreign customer At least one of the passport information or immigration means of transportation ticket information of the foreigner is made.

The passport information of the foreigner is unique information included in a passport issued by a country managing the nationality of the foreigner for the foreigner to enter the country through the immigration means, and includes the passport number indicated on the passport. It consists of country information and one or more unique numbers.

The foreigner's immigration vehicle ticket information includes at least one ticket issuing agency information on the immigration vehicle ticket used by the alien to enter and leave the country, ticket unique information, and immigration vehicle usage date and time information.

In addition, the payment card account information for foreign customers associated with the payment account, the payment account in the name of the foreign customer that is issued a traffic card for use in the country at the request of the foreign customer who wants to use the traffic card in the country Account number and account holder for the foreign customer's transportation card operating account already established in the ledger D / B (200) on the financial system as information corresponding to the transportation card operating account for the foreign customer corresponding to the linked real account It includes information.

When the predetermined payment account opening application information is received through the payment account opening interface, the server reads the received payment account opening application information, so that the payment is made to the foreign customer who is issued a traffic card for use in the country. The validity of the account can be opened 310.

Here, the checking of the validity of the opening of the payment account may include a financial account corresponding to the traffic card operation account information for the foreign customer included in the payment account opening application information being opened as a real account in the ledger D / B 200 on the financial system. This includes checking to see if there are any.

If the validity to open the payment account to the customer is not authenticated through the payment account opening application information (320), the server informs the customer of the payment account opening error information through the payment account opening interface. Provide 330, and stop opening the payment account to the customer.

On the other hand, if the validity to open the payment account to the customer through the payment account opening application information is authenticated 320, the server issues a traffic card for use in the country based on the payment account opening application information The payment account ledger information of the name of the foreigner who is issued a traffic card for use in the country corresponding to the payment account to be opened to the receiving foreign customer is generated (340).

Here, the payment account ledger information includes the mother account information associated with the payment account and the ledger information to be included in the account ledger provided in the ledger D / B (200) provided on the financial system.

Those skilled in the art to which the present invention pertains will be familiar with at least one ledger information configuration should be included in the account ledger, detailed description thereof will be omitted for convenience.

Thereafter, the server is to be associated with a payment account to be opened to a foreign customer who is issued a traffic card for use in the country of the at least one account ledger provided on the ledger D / B (200) on the financial system The account ledger corresponding to the transportation card management account for the customer is checked 350.

If the account ledger corresponding to the transportation card operating account for the foreign customer to be linked to the payment account to be opened to the foreign customer who is issued a transportation card for use in the domestic country is identified (360), the server is the ledger on the financial system Generate a payment account ledger in the name of a foreign customer who is issued a traffic card for use in the country that is processed in connection with the account ledger corresponding to the traffic card operating account for the foreign customer provided on the D / B 200 (370) And storing the generated payment account ledger information in the payment account ledger generated by linking with the account ledger corresponding to the traffic card operating account for the foreign customer in the ledger D / B 200 on the financial system (380). do.

4 is a diagram illustrating a process for opening a payment settlement account for passport information-based payment settlement processing of a foreign customer according to another embodiment of the card issuing system for foreigners according to the present invention.

Referring to Figure 4, the use of a traffic card in the country to open a payment account to a customer who is issued a traffic card for use in the country to open a payment account for payment processing based on the passport number information of the foreign customer The desired foreign customer accesses the server through the network means using the terminal, requests the server 400 to open a payment account interface for opening the payment account, and in response, the server makes the payment. The payment account opening interface for opening an account is extracted and provided to the terminal (410).

Thereafter, the terminal inputs predetermined payment account opening application information through the payment account opening interface and then provides the payment account opening application information to the server through a predetermined payment account opening interface (420).

The payment account opening interface may include a predetermined terminal used by a foreign customer who wants to use a traffic card in the country, network means for connecting the terminal and the server, and the server to receive predetermined payment account opening application information from the terminal. It includes a user interface for inputting and transmitting to the server.

According to the implementation method of the present invention, the payment account opening application information request to the foreign customer who is issued a traffic card for use in the country to open a payment account for opening a payment account for payment processing based on the passport information of the foreigner Including the foreign customer information that wants to use the traffic card in the country, the foreign customer information that is issued the traffic card for use in the domestic, and the transportation card operation account information for the foreign customer corresponding to the mother account linked to the payment account Is done.

Here, the foreign customer information that wants to use the transportation card in the country that requests the foreign customer who is issued a transportation card for use in the country to open a payment account for opening a payment account for payment processing based on the passport information of the foreigner, It includes passport information or immigration vehicle ticket information of the foreigner.

The passport information of the foreigner is unique information included in a passport issued by a country managing the nationality of the foreigner for the foreigner to enter the country through the immigration means, and includes the passport number indicated on the passport. It is made by including country information and various unique numbers.

In addition, the payment card account information for foreign customers associated with the payment account, the payment account in the name of the foreign customer that is issued a traffic card for use in the country at the request of the foreign customer who wants to use the traffic card in the country Account number and account holder for the foreign customer's transportation card operating account already established in the ledger D / B (200) on the financial system as information corresponding to the transportation card operating account for the foreign customer corresponding to the linked real account Information and the like.

When predetermined payment account opening application information is received through the payment account opening interface, the server reads the received payment account opening application information to check whether the payment account can be opened to the customer (430) )do.

Here, the checking of the validity of the opening of the payment account may include a financial account corresponding to the traffic card operation account information for the foreign customer included in the payment account opening application information being opened as a real account in the ledger D / B 200 on the financial system. This is done including checking if there is.

If the validity to open the payment account to the customer is not authenticated through the payment account opening application information (440), the server informs the customer of error information of opening the payment account through the payment account opening interface. Provide (450) and stop opening the payment account to the customer.

On the other hand, if the validity to open the payment account to the customer through the payment account opening application information is authenticated (440), the server issues a transportation card for use in the country based on the payment account opening application information The payment account ledger information of the name of the foreign customer who is issued a traffic card for use in the country corresponding to the payment account to be opened to the receiving foreign customer is generated 460.

Here, the payment account ledger information includes the mother account information associated with the payment account and the ledger information to be included in the account ledger provided in the ledger D / B (200) provided on the financial system.

Those skilled in the art will be familiar with the structure of the ledger information to be included in the account ledger, so a detailed description thereof will be omitted.

Thereafter, the server is a traffic for foreign customers to be associated with a payment account to be opened to a foreign customer who is issued a traffic card for use in the country among the account ledgers provided on the ledger D / B (200) on the financial system The account ledger corresponding to the card operating account is checked (470).

If the account ledger corresponding to the transportation card operating account for the foreign customer to be linked to the payment account to be opened to the foreign customer who is issued a transportation card for use in the country is confirmed (480), the server is led to the ledger on the financial system. Generate a payment account ledger in the name of a foreign customer who is issued a traffic card for use in the country that is processed in connection with the account ledger corresponding to the traffic card operating account for the foreign customer provided on the D / B 200 (490) And storing the generated payment account ledger information in the payment account ledger generated by linking with the account ledger corresponding to the traffic card operating account for the foreign customer in the ledger D / B 200 on the financial system (499). do.

5 is a diagram illustrating a system for issuing a foreigner-only alien traffic card according to one embodiment of a card issuing system for foreigners according to the present invention.

Referring to FIG. 5, in the card issuing server 500, a predetermined employee terminal 520 is connected to the card issuing server 500 through the interface unit 500a.

If the card issuing server 500 is connected, the employee terminal 520 interoperates with the interface unit 500a to generate a predetermined user interface for inputting and sending predetermined card issuing application information from the employee terminal 520 and the employee terminal ( An information receiving unit for receiving predetermined card issuing application information inputted and transmitted from the employee terminal 525 through the user interface in association with the interface providing unit 500b and the interface unit 500a provided to the 745. 500c, an information generating unit 500d for generating card information to be recorded on an IC chip provided in a traffic card for a foreign customer to be issued to the foreigner, based on the received card issuance application information, and a predetermined card issuance De issuing unit (500f) for issuing a traffic card for foreign customers that recorded the card information on the IC chip through the device (500g), and a traffic card for foreign customers issued to the foreigner It is achieved by an information storage unit (500e) for storing corresponding international customers for transportation card management information in the storage medium 510.

6 is a diagram illustrating a process for issuing a foreigner's transportation card charged or sold through foreign currency according to an embodiment of the card issuing system for foreigners according to the present invention.

Referring to FIG. 6, the foreigner is prescribed through a face-to-face card issue interface application and an employee terminal 520 in order to receive the foreign customer traffic card for issuing a traffic card for foreign customers charged and sold through the foreign currency. After filling out a document with a form for filling out a card issuance application information item, and submitting it to a card issuance officer, the card issuance staff will send the terminal to a card issuance application form made by the foreigner through a predetermined user interface. Receives the corresponding card issuance application information (600), and transmits the card issuance application information to the server through the communication network (610).

Thereafter, the server generates (620) card information to be recorded on the IC chip provided in the traffic card for foreign customers to issue to the foreign based on the card issuance application information.

When the card information is generated (630), the server records the card information on the IC chip provided in the traffic card for foreign customers through a card issuing device (500g), or writes a traffic card applet containing the card information Create

Subsequently, the IC card included in the traffic card for the foreign customer is recorded to issue the travel card for the foreign customer (640).

Passport information for the foreigner who is issued the foreigner's transportation card, foreign currency identification information corresponding to the foreign currency type used to charge the foreigner's transportation card, and the amount of the won charged in the foreigner's transportation card The storage card 510 stores the traffic card operation information for the foreign customer, including the information, the traffic card information for the foreign customer, and the information on the date of departure of the foreigner who issued and purchased the foreign card.

7 is a diagram illustrating the configuration of an offline-based card payment system through a foreigner's traffic card according to an embodiment of the card issuing system for foreigners according to the present invention.

Referring to FIG. 7, the offline card payment system through the traffic card for foreign customers includes a payment terminal 730 provided at a predetermined offline affiliated store and a traffic card operation server for processing payment approval for the traffic card for foreign customers ( 700) and a communication network (eg, a Value Added Network (VAN)) connecting the payment terminal 730 and the traffic card operation server 700.

When the payment approval procedure corresponding to the full payment approval request message is completed in the traffic card operation server 700 and a payment approval result message including a predetermined payment processing history is generated, the full text message transmission unit 700c may include the interface unit. In connection with 700a, the payment approval result information may be transmitted to the payment terminal 730.

The traffic card operation server 700, when the payment approval request message including the card information, payment amount and merchant information is received from the payment terminal 730 through the information receiving unit, the received payment approval request message Card information confirmation unit 700d for confirming that the match with the foreign traffic card information issued through the included card issuing system, and the card information included in the payment approval request message for the foreigners provided in the storage medium 720 When matched with the traffic card information, the payment amount of the payment amount through the foreign card for the foreign customer by comparing the payment amount and the payment amount deposited in the payment account associated with the card information in connection with the storage medium 720 A payment approval processing unit 700e for processing the approval, and any one of predetermined payment error information and payment approval information corresponding to the payment approval processing. Information generation unit 700f for generating predetermined payment processing history information including a result of the processing, and a predetermined transaction history by classifying payment processing details including predetermined payment approval information among the payment processing results by date and time. And an information storage unit 700g for storing information in the predetermined transaction history D / B 710.

The generated payment processing history information is transmitted to the payment terminal 730 through the specialized transmission unit 700c, and the traffic card operation server 700 performs a settlement process corresponding to the generated payment processing history information. It is provided with a settlement processing unit 700h.

In addition, in the settlement processing for the transaction history information, the payment amount included in the transaction history information is classified for each merchant and the deposit is processed into the settlement processing account of the merchant.

8 is a diagram illustrating an offline payment approval process through a foreigner's transportation card according to an embodiment of the card issuing system for foreigners according to the present invention.

When the payment terminal 730 on the offline card payment system shown in FIG. 7 generates the full payment approval request message including the card information, the payment amount, and the affiliated store information, and transmits it to the traffic card operation server 700 (800). After the traffic card operation server 700 receives the full payment approval request message, the card information included in the received payment approval request message is issued through a card issuing system and stored in the storage medium 720. If it matches with the traffic card information is checked (805).

According to an embodiment of the present invention, the affiliate server uses the card information included in the payment approval request text as a keyword to search / search for the traffic card information for foreign customers stored in the storage medium 720, thereby providing the card information. Check whether the card information is issued for the foreign customer issued through the card issuance system.

Those skilled in the art will be familiar with the technical features of the payment terminal 730 for transmitting the full payment approval request, and the professional transmission and reception procedure, so a detailed description thereof will be omitted for convenience. .

If it is confirmed that the card information included in the payment approval request message is not matched with the traffic card information for the foreign customer stored in the storage medium 720 (810), the traffic card operation server 700 is the card information error The payment authorization result including the code is generated and transmitted to the payment terminal 730 in step 815.

On the other hand, if it is confirmed in operation 810 that the card information included in the full payment approval request message is matched with the traffic card information for foreigners stored in the storage medium 720, the traffic card operation server 700 stores the storage medium. In operation 820, the limit amount of the traffic card for the foreign customer is confirmed based on payment account information associated with the traffic card information for the foreign customer.

According to an embodiment of the present invention, when the payment means corresponding to the confirmed traffic card information for foreign customers comprises a check card / debit card payment means associated with a predetermined payment account, the traffic card operation server ( 700 confirms predetermined payment settlement account information stored in association with the traffic card information for foreign customers from the storage medium 720.

After checking the balance of the payment account in connection with a predetermined financial system in which the payment account is opened, the balance of the payment is compared to the amount of the payment, and the payment amount is determined through the transportation card for the foreign customer. It will process the payment approval.

If the limit amount for the traffic card for the foreign customer is confirmed (825), the traffic card operation server 700 compares the payment amount with the limit amount, thereby using the payment card for the foreign customer In step 830, a payment approval procedure for payment processing is performed.

If, as a result of the payment approval, payment approval for the payment amount is not confirmed (835), the traffic card operation server 700 generates payment processing history information including payment error information for the traffic card for the foreign customer. In operation 840, the full payment approval result including the payment processing history is generated and transmitted to the payment terminal 730.

On the other hand, when the payment approval is confirmed as a result of the payment approval (835), the traffic card operation server 700, the payment processing history information including the card information, payment amount information, merchant information and payment approval information Will be generated (845).

After storing (850) the payment processing history including the card information, payment amount information, merchant information and payment approval information and transaction history information including the payment date information in a predetermined transaction history D / B 710, The payment approval result including the payment processing details is generated and transmitted to the payment terminal 730 (855).

100: payment account opening server 100a: interface unit
100b: interface providing unit 100c: information receiving unit
100d: information generating unit 100e: information storing unit

Claims (5)

In the card issuance system for foreigners,
Opening a payment account based on the passport information (or immigration vehicle ticket information) of the foreigner when issuing a card charged with a foreign currency and a domestic currency and equipped with a check card payment function and a transportation card function;
Requesting card issuance approval review and card issuance based on the opened payment account;
And when the card issuing request is approved, receiving and processing issuance information for issuing the card, and processing the issuing information of the received card to be recorded in a card to be issued to a foreigner. Card issuance system for foreign customers. The method of claim 1,
When the foreign customer requests a payment through the affiliated store using the check card function that is issued and processed, the settlement of the card payment amount corresponding to the card payment to the payment affiliated store; further comprising a foreigner Card issuance system 3. The method of claim 2,
When the merchant card payment processing, the card issuance system for foreigners, characterized in that it further comprises the step of confirming that the payment amount of the card exceeds the balance of the payment account; 3. The method of claim 2,
And outputting payment details to the terminal (cell phone and network communicator) of the alien when the foreigner requests card payment fairy information through the terminal (cell phone and network communicator) provided when the card is issued. Card Issuance System for Foreign Residents 3. The method of claim 2,
Notifying the terminal (cell phone and network communicator) of the excess range when the payment amount exceeds a legal amount determined by the foreign country when the card payment amount corresponding to the card payment of the foreigner is settled to a payment affiliate store; And the approval and rejection step according to the decision of the foreigner.

Images