KR20140104524A - Method for Issuing Credit Card through Online Network - Google Patents

Method for Issuing Credit Card through Online Network Download PDF

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Publication number
KR20140104524A
KR20140104524A KR1020130016829A KR20130016829A KR20140104524A KR 20140104524 A KR20140104524 A KR 20140104524A KR 1020130016829 A KR1020130016829 A KR 1020130016829A KR 20130016829 A KR20130016829 A KR 20130016829A KR 20140104524 A KR20140104524 A KR 20140104524A
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KR
South Korea
Prior art keywords
card
user
user terminal
information
design
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KR1020130016829A
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Korean (ko)
Inventor
김대선
안승현
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(주)하이컨셉카드랩
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Priority to KR1020130016829A priority Critical patent/KR20140104524A/en
Publication of KR20140104524A publication Critical patent/KR20140104524A/en

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q50/00—Systems or methods specially adapted for specific business sectors, e.g. utilities or tourism
    • G06Q50/04—Manufacturing
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q50/00—Systems or methods specially adapted for specific business sectors, e.g. utilities or tourism
    • G06Q50/10—Services
    • Y—GENERAL TAGGING OF NEW TECHNOLOGICAL DEVELOPMENTS; GENERAL TAGGING OF CROSS-SECTIONAL TECHNOLOGIES SPANNING OVER SEVERAL SECTIONS OF THE IPC; TECHNICAL SUBJECTS COVERED BY FORMER USPC CROSS-REFERENCE ART COLLECTIONS [XRACs] AND DIGESTS
    • Y02—TECHNOLOGIES OR APPLICATIONS FOR MITIGATION OR ADAPTATION AGAINST CLIMATE CHANGE
    • Y02P—CLIMATE CHANGE MITIGATION TECHNOLOGIES IN THE PRODUCTION OR PROCESSING OF GOODS
    • Y02P90/00—Enabling technologies with a potential contribution to greenhouse gas [GHG] emissions mitigation
    • Y02P90/30—Computing systems specially adapted for manufacturing

Abstract

The present invention relates to a method for issuing a card through an online network. A method for issuing a card through an online network according to one embodiment of the present invention includes a step of selecting an image on a website; a step of manufacturing a card by using a card manufacturing device; a step of applying the issue of a card; and a step of sending the card.

Description

[0001] The present invention relates to a method for issuing a credit card through an online network,

The present invention relates to a method of issuing a card through an online network, and more particularly, to a method of issuing a card through an on-line network, Design, and so on.

Generally, a credit card is a small piece of plastic that identifies a customer's identity and account in a credit transaction where the customer receives the goods or services first and then automatically credits the value from the customer's savings account. A credit card is a relationship of credit, that is, a bond and a debt, which means that when you trade or sell a commodity or commodity, you are paying the money or paying the money. As a result, credit cards have become a standard for credit transactions. In addition to this, various kinds of cards such as a check card, an accumulation card or a transportation card are used in addition to a credit card. Most of these cards are equipped with magnetic strips containing information or IC chips are additionally combined.

The issuance of a credit card may be made by a customer visiting the bank or a credit card company through an off-line application, or applying by a card recruiter, or by a credit card company through a telephone call, or by a customer And the like.

The issuance of such credit cards can be made according to the credit of the customer, in addition to the issuance of the card, and the type of the card can be selected. The credit card company issues the card of the predetermined kind and design according to the request of the customer and sends it to the customer. In other words, customers are required to apply for and issue credit cards through banks or credit card companies.

In addition, conventionally, a credit card is manufactured with a design that emphasizes the type and characteristic surface of a card when issued by a bank or a credit card company. Therefore, most credit cards designed and issued by the bank or credit card companies are designed mainly for banks and card companies rather than customer-oriented designs. Thus, the customer has no choice of design of the card and can not have a card containing his / her own design.

A first step of the issuing terminal collecting authentication information from an authentication means of a card applicant and collecting card selection information from a card applicant; A second step of the issuing terminal transmitting the authentication information and the selection information to an authentication server of the issuing company; A third step of the authentication server of the issuer performing authentication of the identity by comparing the account information and the authentication information and requesting issuance to the issuance server; Generating the card issuing information corresponding to the selection information, storing the generated card issuing information, and transmitting the generated card issuing information to the issuing terminal; And a fifth step in which the issuing terminal stores the card issuing information in the card medium and records the card issuing information in the card medium. Thus, the card user does not have to visit the issuance desk of the issuing company directly in order to issue the card, To provide convenience in which the user is present.

Patent Document 2 discloses a card issuing method for issuing a card having an integrated circuit chip mounted thereon to a customer in a card issuing system, comprising the steps of: (a) reading card identification information recorded in an integrated circuit chip of the card; (b) comparing the read card identification information with identification information of a card requested by the customer; And (c) recording personalization information of the customer on the integrated circuit chip of the card when the card identification information matches.

In this way, conventionally, a card can be issued in a shortest time through an authentication process on-line, or a card can be issued in a manner of recording personalization information of a customer on a card having an IC chip. However, the issued card is provided to the customer in a uniform design for each card type. Therefore, customers are not provided with cards that contain their own unique and differentiated images.

Korean Patent Publication No. 10-2005-0105432 Korean Patent Publication No. 10-0794275

The present invention solves the above-mentioned problems, and it is an object of the present invention to provide a card which is made by various or differentiated designs selected or designated by a user by design including a major information part and an image of various cards including a credit card issued by various credit card companies To be issued.

In order to achieve the above object, the present invention provides a method of issuing a card, the method comprising the steps of: (a) when a user terminal accesses a web site provided by a card maker's main server via a wired / wireless communication network, Providing a design for the layout of the card and an image to be printed on the front or back side of the card to be selected through a website; (b) the main server designing and designing a design selected by a user terminal on a card by a card maker through a design server; (c) After the user terminal accesses a web site provided by a financial server of a credit card company via a wired / wireless communication network, the user terminal provides various information of a user necessary for issuing a card selected by the user through a web site, ; (d) The financial server of the credit card company accesses a web site provided by the main server of the card maker and requests the user terminal to send a card produced by the card maker in a design selected on the web site of the card maker And (e) the financial server of the credit card company judges whether the user information input for issuing the card selected by the user from the user terminal to the card received from the card maker satisfies the set issuance condition, And a step of issuing a card to the user after issuing the card.

(A) when a user terminal accesses a web site provided by a card maker's main server via a wired / wireless communication network, the main server transmits the card information Providing a design and an image to be printed on the front or back of the card so that the image can be selected through a website; (b) the main server designing and designing a design selected by a user terminal on a card by a card maker through a design server; (c) accessing a web site of the credit card company from the main server of the card maker and requesting the issuance of a blank card made in the design selected by the user terminal to the official card; (d) After the user terminal accesses a web site provided by a financial server of a credit card company via a wired / wireless communication network, a card maker transmits various kinds of user information required for issuing a card selected by the user to a credit card company And (e) the financial server of the credit card company matches the user information entered for the issuance of the card selected by the user from the user terminal to the card received from the card maker, according to the set issuance condition And then issuing the corresponding card if the card is in a normal condition and then sending the card to the user.

(A) when a user terminal accesses a web site provided by a card maker's main server via a wired / wireless communication network, the main server transmits the card information Providing a design and an image to be printed on the front or back of the card so that the image can be selected through a website; (b) the main server designing and designing a design selected by a user terminal on a card by a card maker through a design server; (c) The user terminal accesses a website provided by a financial server of a credit card company via a wired / wireless communication network, and when a card received from a card maker by a user is sent to a credit card company, And (d) requesting issuance of a card by providing various information of the user necessary for the card issuance, and (d) the financial server of the credit card company transmits to the card received from the user, Determining whether the information satisfies the set issuance condition, and issuing the corresponding card if the card is in the normal condition, and then sending the card to the user.

Also, in the present invention, in step (a), the user transmits an image desired by the user to the main server, and the main server prints the image received from the user terminal on the front surface or the back surface of the card.

Also, in the present invention, the main information part of the card may include a sign board, a magnetic stripe, a hologram, an IC chip, and a card brand name.

According to the present invention, when a card is newly issued, it is possible to acquire a personality through a unique and differentiated image of the user through a card made in a design including a main information part of the card and an image of the card surface at a desired position It has the advantage of being able to show and feel the special value of the card.

FIG. 1 is a block diagram illustrating a system for issuing a card through an online network according to a first embodiment of the present invention.
2 is a flowchart illustrating a method of issuing a card through an online network according to the first embodiment of the present invention.
FIG. 3 is a block diagram illustrating a system for issuing a card through an online network according to a second embodiment of the present invention.
4 is a flowchart illustrating a method of issuing a card through an online network according to a second embodiment of the present invention.
5 is a block diagram illustrating a system for issuing a card via an online network according to a third embodiment of the present invention.
FIG. 6 is a flowchart illustrating a method of issuing a card through an online network according to a third embodiment of the present invention.

Hereinafter, a method of issuing a card through an online network according to an embodiment of the present invention will be described in detail with reference to the accompanying drawings.

1 according to the first embodiment of the present invention, a user terminal 10 held by a user can be connected to a wired / wireless communication network 20 and includes a PC, a notebook, a tablet PC, a smart phone, or the like. The user terminal 10 has a design for issuing a card through a credit card company's financial server 40 and a design for placement of a main information part of the card through the card maker's main server 30, To request that the image selected by the user be designed.

The card maker provides a website through the main server 30 connected to the wired / wireless communication network 20, selects a variety of designs by the user through the user terminal 10 connected to the website, . The card maker designs and produces images of the user's choice on the front and / or the back of the card, along with important information portions of various cards including credit cards, check cards, accumulation cards, or transportation cards. The main information portion of the card includes a signature board signed by the user, a magnetic stripe and IC chip including card information, a hologram for copy protection, and a card issuer's card brand name such as a credit card company. The main server 30 installed in the card maker can receive various information for purchasing and designing a card in response to a request from a plurality of user terminals 10 connected to a web site provided by the main server 30 through a wired / wireless communication network 20 . The main server 30 provides the design information of the card to the user terminal 10 from the design information DB 31 for storing and inputting various image information. The design information DB 31 can store and input image information received from the user terminal 10. Furthermore, the design information DB 31 can store and input the advertisement image information so that various advertisement images are included at the time of designing the card. The main server 30 is connected to store and input / output user information inputted from the plurality of user terminals 10 in the user information DB 32. In addition, the main server 30 may further include a plurality of databases (DB) for storing and providing various types of information for designing a card. The card maker provides the card designed by the user terminal 10 to the credit card company.

A design server 34 is connected to the main server 30 and a card maker 36 is connected to the design server 34. The design server 34 receives the arrangement of the main information part of the card and the image information from the main server 30 for the design of the card and causes the card maker 36 to design the corresponding information. In other words, the card maker 36 manufactures card information on the cards of various materials selected by the user terminal 10, together with the arrangement of the main information parts. At this time, it is preferable to design the card within a range not exceeding the predetermined standard of the card.

The financial server 40 of the credit card company issues a card including a normal card function by receiving a blank card designed with various image arrangement and arrangement of major information parts of the card in a card maker. That is, card information including user information is input to the magnetic stripe of the public card and the IC chip, and a card usable for normal use is issued by embossing the use period of the card, the user name, and the like in letters, numbers and symbols.

The financial server 40 receives the card application and user information from the user terminal 10 connected to the web site provided by the financial server 40 via the wired / wireless communication network 20, and stores the application. In addition, the financial server 40 performs evaluation of the user's identity, credit, and issuance conditions from the information of the user who desires to issue the card. It is preferable that the financial server 40 includes a program for evaluating whether the card issuance condition matches with the identity and credit inquiry from the user information provided by the user terminal 10. [ When the financial server 40 does not meet the card issuance condition from the user information, the financial server 40 transmits information for refusing issuance of the card to the user terminal 10.

The card issuing information DB 42 is connected to the financial server 40. [ The card issuance information DB 42 stores and inputs / outputs information on card issuance together with user information. In addition, the financial server 40 may further include a plurality of databases (DB) for storing and providing various information for requesting issuance of a card from the user terminal 10. [

A method of issuing a card through the online network according to the first embodiment will be described with reference to the flowchart of FIG.

2, the user terminal 10 connected to the wired / wireless communication network 20 accesses a web site provided by the card maker's main server 30 (S1). After accessing the website, the user terminal 10 selects a design for a card including various types of cards provided on a web site, that is, a card including a credit card, a credit card, a transportation card, or the like (S2). That is, the main information part of the card is arranged at a position desired by the user and the design to be printed on the card is selected.

The main server 30 retrieves design information including various images for card design from the design information DB 31 and provides the design information to the user terminal 10 through the website. And may receive a specific design from the user terminal 10 and apply it to the design of the card selected by the user. In addition, the user terminal 10 may transmit a photograph or a character, etc., including an image that is drawn on the front or back of the card, to the main server 30 through the web site. The main server 30 causes the card maker 36 to produce a card designed by the user on the front or back of the card through the design server 34 (S3).

The user terminal 10 connected to the wired / wireless communication network 20 accesses a web site provided by the credit card company's financial server 40 (S4). After the user terminal 10 accesses the website, the user terminal 10 searches for information on various cards provided in the website. Then, the card to be issued is selected from the retrieved card information. When a card desired to be issued by the user terminal 10 is selected, the personal information of the user necessary for requesting issuance of the card is input, and then the issuance of the card is requested (S5). At this time, the user terminal 10 should request the credit card company's web site to receive the card produced by the user's choice from the card maker.

Accordingly, the credit card company accesses the web site of the card maker and requests the user terminal 10 requesting the issuance of the card (S6) to send the card made in the design including the image selected by the card maker. Upon receiving a request from the credit card company, the card maker transmits a card prepared by the request of the corresponding user terminal 10, that is, a layout of the main information part of the card, and a blank card in which the image is designed and the normal card information is not included, (S7).

After receiving the card requested by the user from the card maker, the credit card company inputs information for a normal function of the card corresponding to the corresponding card, and issues a card (S8). At this time, the credit card company inputs the information corresponding to the magnetic card, the IC card, or the card in which the magnet and the IC chip are combined.

When the issuance of the card is completed, the credit card company sends out the card issued to the address of the user, and the user can use the card after receiving the issued card (S9).

3 according to the second embodiment of the present invention, the user terminal 10 held by the user can be connected to the wired / wireless communication network 20 and includes a PC, a notebook, a tablet PC, a smart phone, or the like. The user terminal 10 requests the issuance of a card, design requests for arrangement of major information parts of the card, and images selected by the user on the card surface and / or the back side through the main server 30 of the card maker It is a request. Also, the user terminal 10 provides personal information of the user for issuing the card to the financial server 40 of the credit card company.

The card manufacturer provides a web site through a main server 30 connected to a wired / wireless communication network 20 and selects various types of cards issued by various banks or card companies from a user terminal 10 connected to a web site. In addition to requesting issuance of a card, various designs of the card can be selected, and the card of the design can be purchased. The card maker designs and produces images of the user's choice on the front and / or the back of the card, along with important information portions of various cards including credit cards, check cards, accumulation cards, or transportation cards. The main information portion of the card includes a signature board signed by the user, a magnetic stripe and IC chip including card information, a hologram for copy protection, and a card issuer's card brand name such as a credit card company. The main server 30 installed in the card maker can receive various information for issuing and designing a card in response to a request from a plurality of user terminals 10 connected to a web site provided by the main server 30 via a wired / wireless communication network 20 . The main server 30 provides image information to the user terminal 10 from a design information DB 31 for storing and inputting various image information. The design information DB 31 can store and input image information received from the user terminal 10. Furthermore, the design information DB 31 can store and input the advertisement image information so that various advertisement images are included at the time of designing the card. The main server 30 is connected to store and input / output user information inputted from the plurality of user terminals 10 in the user information DB 32. In addition, the main server 30 may further include a plurality of databases (DB) for storing and providing various types of information for designing a card. The card maker provides the card designed by the user terminal 10 to the credit card company.

A design server 34 is connected to the main server 30 and a card maker 36 is connected to the design server 34. The design server 34 receives the arrangement of the main information part of the card and the image information from the main server 30 for the design of the card and causes the card maker 36 to design the corresponding information. In other words, the card maker 36 manufactures card information on the cards of various materials selected by the user terminal 10, together with the arrangement of the main information parts. At this time, it is preferable to design the card within a range not exceeding the predetermined standard of the card.

The financial server 40 of the credit card company is a server that receives a blank card designed with various images on the surface and / or the backside provided by the card maker and issues a card including a normal card function. The financial server 40 receives the card application and user information from the user terminal 10 connected to the web site provided by the financial server 40 via the wired / wireless communication network 20, and stores the application. In addition, the financial server 40 performs evaluation of the user's identity, credit, and issuance condition from the personal information of the user who desires to issue the card. It is preferable that the financial server 40 includes a program for evaluating whether the card issuance condition matches with the identity and credit inquiry from the user information provided by the user terminal 10. [ When the financial server 40 does not meet the card issuance condition from the user information, the financial server 40 transmits information for refusing issuance of the card to the user terminal 10.

The card issuing information DB 42 is connected to the financial server 40. [ The card issuance information DB 42 stores and inputs / outputs information about issuance of a card together with personal information of the user. In addition, the financial server 40 may further include a plurality of databases (DB) for storing and providing various information for requesting issuance of a card from the user terminal 10. [

A method of issuing a card through the online network according to the second embodiment will be described with reference to the flowchart of FIG.

4, the user terminal 10 connected to the wired / wireless communication network 20 accesses a web site provided by the card maker's main server 30 (S11). After accessing the website, the user terminal 10 selects the design of the card along with various kinds of cards provided in the website, that is, a card including a credit card, a credit card, a transportation card, or the like (S12). That is, the main information part of the card is arranged at a position desired by the user and the design to be printed on the card is selected.

The main server 30 retrieves design information including various images for card design from the design information DB 31 and provides the design information to the user terminal 10 through the website. And may receive a specific image from the user terminal 10 and apply it to the design of the card selected by the user. In addition, the user terminal 10 may transmit a photograph or a character, etc., including an image that is drawn on the front or back of the card, to the main server 30 through the web site. The main server 30 causes the card maker 36 to produce a card designing the image selected by the user on the front or back of the card through the design server 34 (S13).

The main server 30 of the card manufacturer connected to the wire / wireless communication network 20 accesses a web site provided by the financial server 40 of the credit card company and requests the user terminal 10 to issue a card selected by the user ). In response to a request from the corresponding user terminal 10, the card manufacturer sends a blank card to the credit card company in which the design process is completed, that is, only the design of the main information part including the image is made and the function as the normal card is not included S15).

After the user terminal 10 accesses the website provided by the credit card company's financial server 40, the user terminal 10 inputs the user's personal information required for issuing a normal card of the card for which issuance is requested through the card maker, (S16). Therefore, the financial server 40 of the credit card company issues the card issuance through the credit check process according to the user's personal information input from the user terminal 10. At this time, the credit card company must receive the card requested from the user terminal 10 to the card maker.

After receiving the card requested by the user from the card maker, the credit card company issues information for the normal function of the corresponding card, and issues the card (S17). At this time, the credit card company inputs the information corresponding to the magnetic card, the IC card, or the card in which the magnet and the IC chip are combined.

When the issuance of the card is completed, the credit card company sends out the card issued to the address of the user, and the user can use the card after receiving the issued card (S18).

5 according to the third embodiment of the present invention, the user terminal 10 held by the user can be connected to the wired / wireless communication network 20 and includes a PC, a notebook, a tablet PC, a smart phone, or the like. The user terminal 10 receives a request for a normal card issuance through a credit card company's financial server 40 and a design request for placement of a major information part of a public card through a card maker's main server 30, And / or to request that the image selected by the user be printed on the back side.

The card manufacturer provides a web site through a main server 30 connected to a wired / wireless communication network 20, selects a variety of images through a user terminal 10 connected to a web site, To be able to shop. The card maker designs and manufactures images of the user's choice on the surface and / or on the back side, along with important information portions of various cards including credit cards, check cards, accumulation cards or traffic cards. The main information portion of the card includes a signature board signed by the user, a magnetic stripe and IC chip including card information, a hologram for copy protection, and a card issuer's card brand name such as a credit card company. The main server 30 installed in the card maker can receive various information for purchasing and designing a card in response to a request from a plurality of user terminals 10 connected to a web site provided by the main server 30 through a wired / wireless communication network 20 . The main server 30 provides image information to the user terminal 10 from a design information DB 31 for storing and inputting various image information. The design information DB 31 can store and input image information received from the user terminal 10. Furthermore, the design information DB 31 can store and input the advertisement image information so that various advertisement images are included at the time of designing the card. The main server 30 is connected to store and input / output user information inputted from the plurality of user terminals 10 in the user information DB 32. In addition, the main server 30 may further include a plurality of databases (DB) for storing and providing various types of information for designing a card. The card maker provides the card designed by the user terminal 10 to the user.

A design server 34 is connected to the main server 30 and a card maker 36 is connected to the design server 34. The design server 34 receives the arrangement of the main information part of the card and the image information from the main server 30 for the design of the card and causes the card maker 36 to design the corresponding information. In other words, the card maker 36 manufactures card information on the cards of various materials selected by the user terminal 10, together with the arrangement of the main information parts. At this time, it is preferable to design the card within a range not exceeding the predetermined standard of the card.

The financial server 40 of the credit card company issues a card including a normal card function by receiving a blank card designed with various images and arrangement of major information parts of the card from a user. The financial server 40 receives an application for issuing a card and user information from a user terminal 10 connected to a web site provided by a financial server 40 via a wired / wireless communication network 20, and stores the application. In addition, the financial server 40 performs evaluation of the user's identity, credit, and issuance conditions from the information of the user who desires to issue the card. It is preferable that the financial server 40 includes a program for evaluating whether the card issuance condition matches with the identity and credit inquiry from the user information provided by the user terminal 10. [ When the financial server 40 does not meet the card issuance condition from the user information, the financial server 40 transmits information for refusing issuance of the card to the user terminal 10.

The card issuing information DB 42 is connected to the financial server 40. [ The card issuance information DB 42 stores and inputs / outputs information on card issuance together with user information. In addition, the financial server 40 may further include a plurality of databases (DB) for storing and providing various information for requesting issuance of a card from the user terminal 10. [

A method of issuing a card via the online network according to the third embodiment will be described with reference to the flowchart of FIG.

6, the user terminal 10 connected to the wired / wireless communication network 20 accesses a website provided by the card maker's main server 30 (S21). After the user terminal 10 accesses the website, the user terminal 10 designates the design of the card along with various kinds of cards provided in the website, that is, a card including a credit card, a credit card, a transportation card, or the like (S22). That is, the main information part of the card is arranged at a position desired by the user and the design to be printed on the card is selected.

The main server 30 retrieves design information including various images for card design from the image information DB 31 and provides the design information to the user terminal 10 through the website. And may receive a specific design from the user terminal 10 and apply it to the design of the card selected by the user. In addition, the user terminal 10 may transmit a photograph, character, or the like to the main server 30 through a web site, including an image that the user terminal 10 is designed with an image to be designed on the card. The main server 30 causes the card maker 36 to designate a card designed by the user on the front or back of the card through the design server 34 at step S23. The ball card that has been manufactured by the card maker is sent to the address of the user so that the user can receive the card (S24).

The user terminal 10 connected to the wired / wireless communication network 20 accesses a web site provided by the financial server 40 of the credit card company. After accessing the web site, the user terminal 10 inputs personal information of the user necessary for requesting issuance of the card, and then requests issuance of the card (S25). At this time, the user terminal 10 should send a card made by the user's choice to the credit card company through the website of the credit card company (S26). In other words, the user accesses the website of the card maker to design a card designed by the user, that is, the arrangement of the main information part of the card and the image is designed and a blank card containing no information as a normal card is sent to the credit card company .

After the credit card company receives the corresponding public card from the user, the credit card company issues the card after inputting the information for the normal function of the corresponding card (S27). At this time, the credit card company inputs the information corresponding to the magnetic card, the IC card, or the card in which the magnet and the IC chip are combined.

When the issuance of the card is completed, the credit card company sends out the card issued to the address of the user, and the user can use the card after receiving the issued card (S28).

While the invention has been shown and described with respect to the specific embodiments thereof, it will be understood by those skilled in the art that various changes and modifications may be made without departing from the spirit and scope of the invention as defined by the appended claims. Anyone who has it will know it easily.

[0001] The present invention relates to a system and method for designing a user terminal, and more particularly,

Claims (5)

A method for issuing a card,
(a) When a user terminal accesses a web site provided by a card maker's main server via a wired / wireless communication network, the main server stores a design for layout of key information parts of the card, Providing a selection through the site;
(b) the main server designing and designing a design selected by a user terminal on a card by a card maker through a design server;
(c) After the user terminal accesses a web site provided by a financial server of a credit card company via a wired / wireless communication network, the user terminal provides various information of a user necessary for issuing a card selected by the user through a web site, ;
(d) The financial server of the credit card company accesses a web site provided by the main server of the card maker and requests the user terminal to send a card produced by the card maker in a design selected on the web site of the card maker And
(e) The financial server of the credit card company judges whether the user information inputted for the issuance of the card selected by the user from the user terminal conforms to the set issuance condition to the card received from the card maker, And sending the card to a next user.
A method for issuing a card,
(a) When a user terminal accesses a web site provided by a card maker's main server via a wired / wireless communication network, the main server stores a design for layout of key information parts of the card, Providing a selection through the site;
(b) the main server designing and designing a design selected by a user terminal on a card by a card maker through a design server;
(c) accessing a web site of the credit card company from the main server of the card maker to request the issuance of a blank card made in the design selected by the user terminal to the official card;
(d) After the user terminal accesses a web site provided by a financial server of a credit card company via a wired / wireless communication network, a card maker transmits various kinds of user information required for issuing a card selected by the user to a credit card company And requesting issuance of the card, and
(e) The financial server of the credit card company judges whether the user information inputted for the issuance of the card selected by the user from the user terminal conforms to the set issuance condition to the card received from the card maker, And sending the card to a next user.
A method for issuing a card,
(a) When a user terminal accesses a web site provided by a card maker's main server via a wired / wireless communication network, the main server stores a design for layout of key information parts of the card, Providing a selection through the site;
(b) the main server designing and designing a design selected by a user terminal on a card by a card maker through a design server;
(c) The user terminal accesses a website provided by a financial server of a credit card company via a wired / wireless communication network, and when a card received from a card maker by a user is sent to a credit card company, And requesting issuance of the card by providing various information of the user necessary for the card
(d) The financial server of the credit card company determines whether the user information entered for the issuance of the card selected by the user from the user terminal meets the set issuance condition to the card received from the user, And sending the card to the user.
4. The method according to any one of claims 1 to 3, wherein in the step (a)
A method for issuing a card through an online network, the method comprising: transmitting a user's desired image from a user terminal to a main server; and allowing the main server to print an image received from the user terminal on the front or rear side of the card.
The method according to any one of claims 1 to 3, wherein the main information part of the card includes a sign board, a magnetic stripe, a hologram, an IC chip, and a card brand name.
KR1020130016829A 2013-02-18 2013-02-18 Method for Issuing Credit Card through Online Network KR20140104524A (en)

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Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2017222128A1 (en) * 2016-06-20 2017-12-28 비씨카드(주) Method and server for providing card service in place of card issuing company
KR20190092833A (en) 2018-01-31 2019-08-08 이상민 Payment system interlocking online shopping mall and credit card companay

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2017222128A1 (en) * 2016-06-20 2017-12-28 비씨카드(주) Method and server for providing card service in place of card issuing company
KR20190092833A (en) 2018-01-31 2019-08-08 이상민 Payment system interlocking online shopping mall and credit card companay

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