KR20160016402A - The integrated credit card device, The system and the method for the integrated credit card - Google Patents

Abstract

An objective of the present invention is to provide an integrated credit card device, and a system and a method for operating an integrated credit card which connect various credit cards which a user possesses or intends to possess to an integrated credit card by connection cards, select a specific card which the user intends to use frequently among the multiple connection cards connected by a smart application to designate the specific card as a payment card, and allow a payment by the payment card when a product or a service is purchased from a member store by the integrated credit card to allow the user to freely and conveniently select and use all cards registered with the connection cards at any time and place if the user carries the single integrated credit card.

Description

Description: BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a system and method for operating an integrated card device and an integrated card,

The present invention relates to a system and method for operating an integrated card device and an integrated card. More specifically, various credit cards that a user possesses or desires to hold on a virtual credit card (hereinafter referred to as "integration card") having a credit card format are connected by a connection card, When a user selects a specific card to be used from among a plurality of connected connection cards at any time and designates the selected card as a payment card and purchases a product or service through the merchant through the merchant, payment is made by the payment card, And more particularly, to a system and method for operating an integrated card device and a integrated card in which all of the cards registered as a connection card can be conveniently selected and used anytime and anywhere.

According to the Bank of Korea's recently announced payment trend in 2013, as of the end of 2013, about 102 million credit cards were issued, and about 107 million check cards were issued, bringing an average of 4.2 credit cards and check cards per citizen And if they are based on the available population that can actually issue credit cards or check cards, they have at least 8 credit cards or check cards on average per person.

1 is a view schematically showing a transaction approval process of a conventional credit card or a check card.

As shown in FIG. 1, when the user 101 purchases goods or services at the merchant shop 102 and presents a credit card or a check card to settle the commodity price, the merchant stores the user's card information and the payment amount And transmits the information to the transaction approval intermediary agency 103 to request transaction approval. When the intermediary agency transmits the information necessary for transaction approval to the card issuer 104, the card issuer decides whether or not to approve the transaction based on the transferred information .

As can be seen from this, the user 101 must present the card to the merchant 102 in order to pay the commodity for the card after purchasing goods or services. This is also true when purchasing online through a shopping mall. You do not need to present a physical card like an online merchant online. You must provide the card name, card number, expiration date and other required information on the card. You must have a card to provide it.

Due to these factors, the conventional credit card or check card causes many problems as follows.

First, as I mentioned at the beginning, we have more than 8 cards per user on average according to the statistics of the Bank of Korea. However, most users (101) carry only two or three cards that are necessary for the user, and many of them are not used at all even though they are issued. Therefore, considering the issuance and delivery costs, opportunity costs, etc. of the cards which have fallen into the long-distance cards, there is a problem that they are wasted for the issuance of a card which does not require a huge amount of locales every year.

Second, the credit card company 104 frequently develops a new card product to provide a variety of services to the user 101. However, in order for the user 101 to enjoy the above services, a new card must be constantly issued and possessed, Having a card issued and received has a problem that it is not practically possible before the risk of loss or theft.

Third, there is a problem that it takes at least 10 days from issuance to delivery if a card is newly issued or lost and reissued, so it can not be used immediately when needed.

Fourth, there is no alternative to prevent fraudulent use in practice, except that the user 101 reports an accident to the card company 104 promptly when the card is lost, stolen, or duplicated.

SUMMARY OF THE INVENTION The present invention has been made to solve the above-mentioned problems, and it is an object of the present invention to provide a smart card which connects various credit cards that a user holds or possesses on a user's integrated card with a connection card, The user can select a particular card to be used as a payment card and make payment using the payment card by using the integrated card. Thus, if the user has only one integrated card, The present invention provides a system and method for operating an integrated card device and a integrated card that can be freely selected and used freely.

According to a first aspect of the present invention, there is provided a credit card company which issues a credit card and a credit card, and which accepts transaction with a credit card specified in the credit card, a user who designates and changes a credit card from time to time via a smart application, And a payment function of the integrated card device operating in an environment in which the merchant providing the goods and the service are connected to each other through a network, But it is recognized as a complete credit card through the above-mentioned merchant having both the form and function of the external credit card, and stored in the built-in IC chip or magnetic stripe when the merchandise or service is purchased from the merchant A virtual credit card (hereinafter referred to as " A card account is opened without a physical card, and a connection card is connected to the integrated card to pay for the goods or services to be purchased by the integrated card, (Hereinafter referred to as " connection card ") and a connection card screen 403 for selecting a specific connection card that is most suitable for the purpose of using the card from time to time, When the lock function and the default card option added to the integrated card are set through the environment setting screen 404, the information about the designated payment card and the set values for the lock function and the default card option (Hereinafter, referred to as "smart application") that transmits in real time to an integrated card company, receives necessary information, and provides the information to a user, If the lock function is set to " ON ", the app requests the suspension of use of the integrated card. If the lock function is set to "OFF & Is set to "NONE" and a payment card is not designated, when the transaction by the integrated card occurs, the user is promptly notified that there is a sign of fraudulent use.

According to a second aspect of the present invention, there is provided an information processing apparatus comprising: an affiliated card company that issues and manages an integrated card and a connection card; a user who specifies a payment card of the integrated card; In a system for operating an integrated card in an environment in which merchants providing goods and services through an integrated card are interconnected via a network, the integrated card is issued upon the user's request, and a specific card is designated from time to time by the user And the connection card is requested to be registered, the card is not issued to the requested card, but only a card account is opened and connected to the integrated card, and information on the payment card designated in the integrated card is received and stored in real time When a transaction approval request for the integrated card is received from the merchant, Draw transaction authorization, and the user is affiliated credit card companies that offer services in addition to the payment card; Downloading and installing a smart app from the integrated card company, accessing the smart app to set a lock function and a default card option of the integrated card from time to time, and setting one of the plurality of connection cards, A user who transmits the setting and designation signal to the integrated card company in real time as the card is selected and designated as a payment card; The smart card application receives real time information on the lock function, the default card option setting value, and the payment card designated on the integrated card through the smart application, and then transmits information on the received payment card, the setting of the lock function and the default card option An integrated card company that transmits information on a payment card automatically changed according to a value to the affiliated card company in real time; And a merchant for transmitting the card information read from the integrated card and information on a payment amount corresponding to a goods and service for payment to the integrated card to the affiliated card company and requesting transaction approval, When the lock function is set to "ON ", or when the predetermined time elapses after the default card option is set to" NONE " or when a certain condition is satisfied, the request for stopping the integrated card is transmitted to the affiliated card company, When the transaction approval is requested from the outside, the user is promptly informed of the existence of the fraudulent use indication.

According to a third aspect of the present invention, there is provided a smart card game system comprising: an affiliated card company for issuing and managing an integrated card and a connection card; a user designating a payment card of the integrated card; A method of operating an integrated card using an integrated card company and an affiliate shop that provides merchandise and services by paying with the integrated card through a network, the method comprising: issuing an integrated card according to an application of the user; A first step of opening a card account without issuing a physical card for the requested card and registering the card as a connection card to the integrated card when the connection registration of a specific card is requested by the user from time to time; A second step of transmitting information on the integrated card issued to the user, the list of connection cards connected to the integrated card, and the service contents added to the connection cards, to the smart app of the user; The user accesses the smart app to set a lock function and a default card option of the issued integrated card and selects a specific card best suited to the card use purpose among the provided connection card list and designates the card as a payment card of the integrated card A third step in which the setting and designating signals are transmitted to the integrated card company in real time according to the setting; A fourth step of receiving, from the integrated card company, information on a payment card designated to the integrated card and a payment card re-designated according to a setting of the default card option, in real time; And, when a transaction approval request for the integrated card is received from the merchant, determining whether or not the transaction has been approved, determining whether the transaction is a proper transaction, approving the transaction with the received payment card and transmitting a transaction approval to the merchant, And a fifth step of providing a service added to the payment card to the user, wherein the smart application is configured such that the lock function is set to "ON " or a predetermined time elapses after the default card option is set to & When a predetermined condition is satisfied, requests a transaction stop for the integrated card to the affiliated card company, automatically rejects a transaction approval when a transaction approval request is received from the merchant while the transaction is suspended, Wherein the card is notified of the presence of the card.

As described above, according to the present invention, a variety of credit cards that the user holds or possesses can be connected to a user's integrated card using a connection card, and a specific connection card It is possible to easily select and use all the cards registered with the connection card anytime and anywhere if only one integrated card is possessed by paying by the payment card even if the integrated card is used, Many advantages and effects are expected as follows.

First, in the case of a user, even if a large number of cards are issued, there is no need to carry other cards besides the integrated card, so convenience and safety are increased, and a variety of cards can be selected according to the purpose of use of the card, Illegal use due to loss, theft and duplication of the card can be minimized through the service added to the integrated card, and the fraudulent use indication by the other person can be detected promptly, so that illegal use can be prevented in advance. In addition, even if a new card is applied, a real card is not issued, and only an account is opened and connected to the integrated card.

In addition, in the case of a credit card company, it is possible to issue as many cards as possible to the same user without incurring costs, thereby increasing the competitiveness of the company's own cards and increasing the number of card sales by customizing the users. Even if you do not issue and deliver physical cards, you can reduce the cost of card issuance. You can reduce labor costs by eliminating the need for manpower placement for accident reports. Minimize bad debt expenses by minimizing fraudulent use by others. There are various advantages and effects that can be achieved.

Also, nationwide, there is a remarkable effect such as eliminating the wastes of a huge scale every year by originally eliminating the cards in the wardrobe.

1 is a view schematically showing a transaction approval process of a conventional credit card;
2 is a view schematically showing a configuration of an integrated card device according to a preferred embodiment of the present invention;
FIG. 3 is a view schematically showing an inset (front and back) of an integrated card according to a preferred embodiment of the present invention; FIG.
4 is a diagram schematically illustrating a configuration of a smart app according to an exemplary embodiment of the present invention;
5 is a diagram showing a schematic configuration of an integrated card operating system according to an embodiment of the present invention
6 is a diagram showing a configuration of a user according to a preferred embodiment of the present invention
7 is a view showing a configuration of an integrated card company according to a preferred embodiment of the present invention
8 is a view showing a configuration of an affiliate card company according to a preferred embodiment of the present invention
9 is a view showing a configuration of an affiliate card company merchant point according to a preferred embodiment of the present invention
10 is a flowchart showing a method of operating a unified card according to a preferred embodiment of the present invention

Hereinafter, preferred embodiments of the present invention will be described with reference to the accompanying drawings. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings. It is to be understood that both the foregoing general description and the following detailed description are exemplary and explanatory and are not restrictive of the invention, as claimed, and it is to be understood that the invention is not limited to the disclosed embodiments.

FIG. 2 is a detailed block diagram of an integrated card device according to an exemplary embodiment of the present invention. Referring to FIG.

2, the integrated card device according to the preferred embodiment of the present invention includes a presentation credit card (hereinafter referred to as "integration card 201") presented to the merchant for purchasing a product or service from an affiliated merchant, A plurality of credit cards for payment (hereinafter referred to as "connection cards 202-205") connected to the integrated card for payment of various goods or services purchased by the integrated card, And a smart app 206 for designating one specific card arbitrarily selected among the connection cards of the integrated card as the payment card of the integrated card.

As described above, the integrated card 201 is a kind of credit card used for presentation to the merchant when purchasing goods or services from an affiliated merchant, which is a kind of virtual credit card.

Accordingly, the integrated card 201 has the same form and function as a general credit card, and is recognized as a credit card through a card terminal of an affiliated merchant and is equally used as a general credit card. However, The payment can not be made independently, and a specific card among a plurality of connection cards connected to the integrated card is designated as a payment card, so that the function as a complete payment means is exhibited.

However, in another preferred embodiment of the present invention, it is possible to add a credit payment function to the integrated card and use it as a unique payment means.

FIG. 3 is a view schematically showing a front view (rear view) of the integrated card 201 according to a preferred embodiment of the present invention.

As shown in FIG. 3, the integrated card 201 has an IC chip 221 for storing information of a card attached to the front part 201 like a conventional credit card, and includes a card name 211, (Not shown), a card number 231, an expiration date 241 and a card owner name 251. The rear part 202 is provided with a magnetic stripe 212 for storing card information, If necessary, information such as a card verification number (CVC), a card issue number, an affiliate name, and a telephone number is further displayed.

Here, the card number 231 assigned to the integrated card is a unique number including a BIN number (brand code, card company code, card type code), a unique number, and a verification number according to a credit card number issuance rule.

Also, the integrated card can be issued as a plastic card and / or a mobile card as in a conventional credit card.

Here, when issuing a mobile card, it is possible to use a coarse integrated card storing card information in Usim of a smart phone, or an app-type integrated card that implements a card function by driving an app of a smart phone Do.

In addition, the integrated card is provided with a lock function and a default card option setting function, so that fraudulent use due to loss, theft and card duplication can be suppressed as much as possible, and an unauthorized use indication by another person can be promptly detected .

The locking function and the default card option added to the integrated card will be described later.

In addition, it is recommended that the integrated card used by the integrated card should be provided with the integrated limit given to the integrated card holder from the integrated card issuing card company.

However, according to another preferred embodiment of the present invention, it is possible to use the card in such a manner that it can be used within the used range of the payment card specified in the integrated card, without separately using the card.

Also, it is recommended that the expiration date of the integrated card is preferably given an expiration period of an appropriate period according to the card policy of the credit card company.

Here, if the validity period of the integrated card differs from the validity period of the payment card, the effective validity period is first applied.

However, in another preferred embodiment of the present invention, the expiration period of the connection card specified by the payment card may be applied to the expiration period of the integrated card without separately providing the expiration date of the integrated card.

According to a preferred embodiment of the present invention, the plurality of connection cards 202-205 are connected to the integrated card by a connection card, and a payment credit for payment of various goods or services purchased by the integrated card Card.

Here, the connection card connected to the integrated card is not limited to the type and number, and may be a card that can be used as a payment means such as a credit card, a check card, a debit card, a prepaid card, a point card, and the like.

However, in the case of a card whose membership is limited to a specific person. It is not possible to connect to the connection card unless it is the above-mentioned predetermined connection target person.

Each of the connection cards is connected to the integrated card by software, and a specific connection card is selected from among the plurality of connection cards at any time to designate the connection card as a payment card, and various products or services purchased from the affiliated merchant through the integrated card And the integrated card user is provided with a service added to the payment card.

The connection card may be connected to and disconnected from the integrated card at any time, and a credit card opened to connect the connection card to the integrated card does not issue a separate physical card, And is connected to the integrated card.

Here, if the credit card to be connected to the connection card is an already-issued card, it can be connected directly without a separate opening procedure.

In another preferred embodiment of the present invention, if the user requests the issuance of another physical card for each of the connection cards, it is also possible to issue the physical card.

The smart application 206 according to the preferred embodiment of the present invention sets a lock function and a default card option added to the integrated card and sets a specific card selected at any time among the plurality of connection cards to the integrated card It is an application that was developed to make it easy to set up a payment card.

Therefore, in order to use the smart application, the smart application is first downloaded and installed in the user means, and then the smart application is accessed, registered, registered with an ID and password, and registered with the integrated card .

If the smart means can not be installed, the user means is not limited to a smart phone, a mobile phone, a tablet PC , A PDA, a personal computer, and a wired / wireless telephone. Also, if the CD / ATM machine installed in the financial institution can be used in cooperation with a financial institution, it is possible to use the CD / ATM air mail user means.

After registering the integrated card, the user inputs the ID and the password, accesses the smart application, sets the lock function and the default card option from time to time, selects a desired connection card among a plurality of connection cards connected to the integrated card at any time And set it as a payment card.

After registering the integrated card, a list including all the connection cards connected to the integrated card is automatically displayed on the smart application, so that a desired connection card is selected from the displayed connection card list and designated as a payment card .

In another preferred embodiment of the present invention, it is possible to skip the process of registering the integrated card by accessing the smart app. In this case, once the member is registered and logged in, the information about the integrated card and the connection card is automatically displayed in the smart app.

FIG. 4 is a view illustrating a configuration of the smart app according to a preferred embodiment of the present invention.

4, the smart application provides menus such as an integrated card 401, a payment card 402, a connection card 403, and an environment setting 404.

Here, the configuration of the smart application is merely intended to explain the function of the smart application, but the technical idea of the present invention is not limited thereto or applied thereto.

Upon accessing the smart application, inputting the registered ID and password, logging in, and selecting the integrated card menu 401, information on the registered integrated card is automatically displayed on the screen.

When the payment card menu 402 is selected, the information about the specific connection card designated by the payment card of the integrated card and the contents of the service added to the payment card are automatically displayed.

Here, when the payment card is automatically changed according to the setting contents of the default card option, the information on the changed payment card is automatically displayed.

If the user does not designate the payment card or sets the default card option to "NONE ", and the payment card is in the state of no payment," NULL "is displayed without the payment card, The name of the payment card displayed on the display unit is displayed as a nickname separately designated by the user.

When the connection card menu 403 is selected, a list of all the connection cards connected to the integrated card is displayed. If the connection cards are selected, service contents added to the connection cards are separately provided.

Therefore, after comparing the service contents added to the respective connection cards, it is possible to use economical and practical cards by selecting a connection card which is most suitable for the purpose of using the card from time to time whenever the card is used and designating it as a payment card.

Here, each of the connection cards displayed on the connection card menu 403 screen is displayed as the alias when there is a nickname separately named by the user.

Also, when the environment setting menu 404 is selected, a lock function and a default card option added to the integrated card can be set.

The lock function and the default card option are characterized in that setting contents can be changed at any time as in the case of payment card designation.

If the lock function is set to "ON ", the integrated card is locked and the transaction is automatically stopped. When the lock function is set to" ON & OFF ", the lock status is released immediately and can be used as it is.

Therefore, if the integrated card is not required to be used for a long period of time, or if it is suspected of being stolen by another person due to loss, theft or duplication of the card, if the lock function is set to "ON & The use of the card is automatically stopped and illegal use by others can be suppressed as much as possible.

The default card option provides a variety of options, such as FIXED, VARIABLE, LAST, NONE, and the like, in which the payment card of the integrated card is automatically reset if a predetermined condition is met do.

Here, if the FIXED option is selected, the payment card of the integrated card is always fixed to a specific card designated by the user.

If the VARIABLE option is selected, the payment card set in the integrated card is automatically reset to a specific card designated by the user when a predetermined time has elapsed after the user designates the payment card, or if the condition is satisfied.

Also, if the LAST option is selected, the last payment card is always maintained as a valid payment card until the user reassigns the payment card.

If the NONE option is selected, the payment card set in the integrated card is automatically switched to the NULL state and the payment card is re-designated when the predetermined time elapses after the user specifies the payment card or the predetermined condition is met The integrated card can not be used.

Therefore, if the lock function of the integrated card is set to "ON " or the default card option is set to" NONE ", the integrated card is automatically disabled, It is possible to sufficiently prevent illegal use by others while using it.

In addition, if transaction approval for the integrated card is requested from the outside in the state set as described above, it is obvious that illegal use by another person is obvious. Therefore, transaction approval is automatically rejected by the credit card company, It becomes possible to quickly detect signs.

FIG. 5 is a schematic block diagram of a integrated card operating system according to an exemplary embodiment of the present invention. Referring to FIG.

5, the integrated card operating system includes a user (S01) who designates a payment card from time to time through a smart application, sets a lock function and a default card option added to the integrated card, and a smart application (S02) for transmitting information on a payment card designated by the user to the affiliated credit card company in real time, and issuing an integrated card and a connection card to the user, (S03) for accepting a transaction with the integrated card, and a merchant shop (S04) of the affiliated credit card company that provides goods or services by paying with the integrated card.

In a preferred embodiment of the present invention, the user S01 connects to the integrated card company S02 using the Internet or a communication network, and the integrated card company S02 and the affiliated card company S03 use an inter- do.

In another preferred embodiment of the present invention, the integrated card company S02 and the affiliated card company S03 may be the same.

In yet another preferred embodiment of the present invention, the integrated card operating system may further include a VAN company and a transaction approval intermediary agency (PG company).

6 is a diagram showing a configuration of the user S01 according to a preferred embodiment of the present invention.

6, the user S01 includes display means 601 for displaying various kinds of information provided through the smart app downloaded and installed from the integrated card company S02 on a screen or a voice, (S02) for receiving information transmitted from the integrated card company (S02) to the smart card (S02), an input means (602) Receiving means 603, and control means 604 for controlling the above means.

The user S01 can access the smart application using an Internet network, a wired / wireless communication network, a data communication network, or the like. The user S01 can access the smart app, a smart phone, a mobile phone, a tablet PC, a PDA, a personal computer, And the like can be installed and connected to the smart application.

However, in a preferred embodiment of the present invention, among the above various means, a smartphone having a variety of functions that is convenient to carry is recommended as an optimal means.

When the integrated card is issued from the affiliated card company (S03), the user (S01) accesses the smart app to register, registers an ID and a password, .

After the integrated card is registered as described above, information of the registered integrated card is displayed on a menu screen of the integration card 401 of the smart application, and a list of all connection cards connected to the integrated card is displayed on the connection card 403 menu screen And the contents of the service added to each connection card are automatically displayed.

Therefore, each time the user uses the integrated card, the user may compare the contents of the service added to the connection card, and then select a specific connection card most suitable for the purpose of using the card, and designate the connection card as the payment card.

Here, the information on the payment card designated by the user is automatically displayed on the menu screen of the payment card 402, so that it is possible to check which card is designated as the payment card at any time.

In addition, all the information that the user S01 accesses and registers with the smart application, i.e., the member information, the integrated card information, the payment card information, the environment setting information, and the history, Is transmitted in real time to the card company (S02) and stored.

In addition, the user S01 may set a lock function and a default card option added to the integrated card in the configuration menu (604) of the smart app.

When the lock function is set to ON, the set information is transferred in real time to the affiliated credit card company S03 through the integrated card company SO2, and the use of the integrated card is registered by the affiliated credit card company S03 If the card is immediately stopped and the lock function is again set to "OFF ", the transaction stop is immediately canceled and the use of the integrated card is resumed.

If the default card option is set to FIXED, the payment card of the integrated card is always fixed to a specific card designated by the user. If the default card option is set to VARIABLE, after the user designates the payment card, The payment card is automatically redirected to a specific card designated by the user. If the payment card is set to LAST, the last payment card remains until the user reassigns the payment card, and if it is set to NONE , If the predetermined time elapses after the user designates the payment card or if the predetermined condition is met, the integrated card can not be used until the specified payment card becomes NULL and the payment card is redesignated.

Here, the setting values for the lock function and the default card option set by the user S01 are transmitted to the integrated card company S02 in real time and stored.

FIG. 7 is a diagram illustrating a configuration of the integrated card company S02 according to a preferred embodiment of the present invention.

7, the integrated card company S02 includes a smart app management unit 701, a smart app DB 702, a transmission / reception unit 703, and a control unit 704. [

The smart application management unit 701 provides the smart application to the user S01, manages the smart application installed in the user's means, and controls the user S01 through the smart application, according to a preferred embodiment of the present invention. ).

Here, the smart-app management unit 401 may be connected to the user S01 as an ARS system.

The smart application management unit 701 transmits a form for inputting member information and integrated card information to the smart application and displays the form on the screen when the membership registration and integrated card registration are requested from the user S01, When the input of necessary information from the user S01 is completed, the input information is transmitted to the affiliated credit card company S03 to request authentication of the user S01 and the integrated card, And integration card registration.

Here, the smart-app management means 701 may authenticate the user through the mobile phone authentication, the authentication of the authorized certificate, and the touch authentication by touching the integrated card to the user means.

Here, the member information and the integrated card information input by the user S01 are stored in the smart app DB 702 by the smart app management means 701. [

In another preferred embodiment of the present invention, the partner card company (S03) accepts the information required for subscription when accepting the application for issuing the integrated card to the user, And is transmitted to the integrated card company S02 so as to be automatically registered and registered by the integrated card company S02.

In this case, the user S01 does not need a separate member registration and integration card registration procedure. When the integrated card is issued from the affiliated credit card company S03, the user ID and password submitted to the affiliated credit card company S03 PW), you can use it immediately.

Also, the member information and the integrated card information received from the affiliated card company (S03) are stored and stored in the smart app DB 702 by the smart app management means 701. [

When the membership registration and the integration card registration are completed, the smart application management unit 701 transmits the registered integrated card information to the smart application of the user S01, displays it on the integrated card menu 401 screen, After receiving the list of connection cards connected to the integrated card from the affiliated card company (S03) and contents of additional services attached to the respective cards, the contents are transmitted to the smart application and displayed on the connection card menu screen (403).

Accordingly, the user selects one specific connection card that is most suitable for the purpose of using the card among the plurality of connection cards displayed on the screen of the connection card menu 403, and designates the specific connection card as a payment card. When a payment card designation signal is received from the user , The smart app management means 701 receives the information on the designated payment card and transmits the information to the affiliated card company S03 in real time.

Also, if the user sets a default card option on the screen of the configuration menu 404, the smart application management unit 701 receives the option setting value, stores the option setting value in the smart application DB 702, If the payment card of the integrated card is automatically changed according to the contents, information on the changed payment card is transmitted to the real-time affiliated credit card company (S03).

Also, if the lock function of the integrated card is set to "ON" by the user S01, the set value is transmitted to the real-time affiliated card company S03 to request the transaction stop of the integrated card, OFF ", it requests the cancellation of the transaction suspension.

Here, the information on the payment card that is frequently designated by the user and the set values of the lock function and the default card option are received in real time by the smart app management unit 701 and stored in the smart app DB 702 And stored.

The smart app DB 702 according to a preferred embodiment of the present invention is a storage device installed in the smart app management means 701. As described above, It stores and keeps integrated card information, lock function and default card option setting value and payment card information.

According to a preferred embodiment of the present invention, the transmitting / receiving means 703 performs a function of the smart app management means 701 transmitting / receiving necessary information to the user S01 and the affiliated card company S03 .

Here, the smart app management unit 701 accesses the user using a communication network or the Internet network, and accesses the affiliated card company S03 using a private network.

According to a preferred embodiment of the present invention, the control means 704 controls and controls the above-mentioned means provided in the integrated card company S02.

FIG. 8 is a diagram showing a configuration of the affiliated card company S03 according to a preferred embodiment of the present invention.

8, the affiliated card company S03 includes a integrated card issuing unit 801, a general card issuing unit 802, an integrated card DB 803, a general card DB 804, a transmitting / receiving unit 805, and control means 806, and the like.

In another preferred embodiment of the present invention, the integrated card issuing unit 801 and the general card issuing unit 802 may be the same, and the integrated card DB 803 and the general card DB 804 may be the same .

According to a preferred embodiment of the present invention, the integrated card issuing unit 801 receives an issuance request from a user, issues an integrated card, and manages card information.

Here, it is possible to apply for the issuance of the integrated card directly to the affiliated credit card company (S03) or to the integrated credit card company (S02) through the smart app. If the integrated credit card company (S02) The application information is immediately transferred to the partner card company (S03) and the issuance request is made.

When receiving the integrated card issuance request from the user, the integrated card issuing means 801 judges whether the user is eligible or not, and if the card is recognized as a result of the determination, issues the integrated card and sends the physical card (FIG.

Here, in another preferred embodiment of the present invention, it is also possible that the integrated card company S02 accepts the integrated card issuance application directly from the user, and issues the integrated card. In this case, the integrated card company S02 further includes a integrated card issuing unit.

When the issuance of the application card is requested by the user, the affiliated card company (S03) issues the app card and transmits the application card to the smart app of the user so as to be displayed on the integrated card menu 401 screen.

When the user accesses the smart app and logs in after issuing the integrated card to the user, the integrated card issuing unit 801 transmits the information of the issued integrated card to the integrated card company S02, The card company transmits the received integrated card information to the smart application of the user and displays it on the integrated card menu 401 of the smart application.

In another preferred embodiment of the present invention, when the user logs in to the smart app, the integrated card company requests and receives the integrated card information from the affiliated credit card company (S03) do.

The integrated card issuing unit 801 receives the set value of the lock function of the integrated card in real time from the integrated card issuing unit S02 and, when the set value is "ON", requests the stop of the transaction to the affiliate card company S03 Immediately stops trading the integrated card, and if it is "OFF"

Also, the information on the payment card designated in the integrated card transmitted in real time from the integrated card company S02 is received and stored in the integrated card DB. When a transaction approval request for the integrated card is received from the merchant S04, If it is determined that the transaction is approved, the transaction is approved by the payment card, and the user is provided with the service added to the payment card.

All the information related to the integrated card, the card application / issuance information, the card information, the transaction details information, the payment history information, the payment card information, the accident report and the transaction suspension are transmitted by the integrated card issuing means 801 And is stored and stored in the integrated card DB 803.

According to a preferred embodiment of the present invention, the general card issuing unit 802 issues various connection cards by the user's request, connects the issued connection cards to the integrated card (hereinafter referred to as "connection registration" ), And manages the information of the connection card.

Here, the issuance of the connection card and the connection registration are entirely performed by the user's request, the application can be made at any time, and the connection card can be connected and registered separately from time to time.

Accordingly, when a specific product among various card products handled by the affiliated credit card company S03 is selected by the user, and the issue and connection registration of the connection card is requested, the general card issuing unit 802 transmits the card data The user does not issue the card, opens only the corresponding card account, and registers the card as a connection card in the user's integrated card.

Here, if the card to which the connection registration is requested from the user is a card already issued to the user, the card is directly connected to the integrated card without a separate opening process.

In another preferred embodiment of the present invention, when a card issued by the connection card is requested by a user to issue a physical card, it is possible to issue and issue the physical card.

Also, the connection card that can be connected to the integrated card is not limited in its kind and quantity, and can be used as a payment means such as various credit cards, check cards, debit cards, prepaid cards, and point cards handled by the affiliated credit card company S03 Anything is possible.

All information about the membership card, issuance information, card information, and other transaction details of each connection card connected to the integrated card is stored in the general card DB 804.

The list of the connection cards and the contents of the service added to each connection card are transmitted to the smart application by the integrated card issuing unit 801 and displayed on the connection card menu 403 screen.

On the other hand, when developing a new card product or performing various event events, the general card issuing unit 802 may transmit a publicity text for promoting it to the user's smart app and post it.

According to a preferred embodiment of the present invention, the integrated card DB 803 is a storage device added to the integrated card issuing unit 801, and stores and stores all data information related to the integrated card issuance and operation.

Accordingly, in the integrated card DB 803, information on the membership card information of the integrated card customer, card issuance information, card information, connection card information, payment card information, transaction details and payment details, All information is stored.

According to a preferred embodiment of the present invention, the general card DB 804 is a storage device added to the general card issuing unit 802, and stores and stores all information related to issuance and connection registration of the connection card .

Accordingly, the general card DB 804 stores all information related to the member card information of the connected card customer, the connection card issuing information, the connection card information, the connection registration / release information, the transaction details and the payment details, do.

According to a preferred embodiment of the present invention, the sending / receiving means 805 transmits and receives necessary information between the integrated card company S02, the affiliated card company S03 and the merchant S04.

According to a preferred embodiment of the present invention, the control means 806 controls and controls the above-mentioned means provided by the affiliate card company S03.

FIG. 9 is a diagram showing a configuration of the merchant shop S04 according to a preferred embodiment of the present invention.

9, the merchant S04 includes a card reader 901, a card sales DB 902, a transmission / reception means 903, a control means 904, and the like.

The card reader 901 detects card information from the integrated card when a user purchases goods or services and requests payment using the integrated card, and then transmits information on the detected card information and payment amount to the affiliated card company S03 To request approval of the transaction, and when the transaction is approved by the affiliated credit card company (S03), it provides the goods or service to the user and issues a receipt.

The card reader 901 recognizes the integrated card, and has a printing means.

The card sales DB 902 is a storage device added to the card reader 901 and collects and stores information on all sales transactions generated through the card reader 901. [

Receiving means 903 transmits and receives necessary information between the user S01, the merchant S04 and the affiliated card company S03, and the control means 904 controls the sending / receiving means 903 such that the merchant S04 And controls and controls all of the above-mentioned means.

10 is a flowchart illustrating a method of operating a unified card according to an exemplary embodiment of the present invention.

As shown in FIG. 10, when the user requests (1001) the issuance of the integration card to the affiliated credit card company. When the affiliated card company judges whether the user corresponds to the integrated card issuance qualification standard, the integrated card issuer 1002 issues the integrated card if it meets the eligibility criteria.

Then, when the user selects a credit card to be connected to the integrated card and requests registration of the connection to the affiliated credit card company (1003), the affiliated credit card company immediately registers the connection card if the requested credit card is already issued to the user , If the card is not yet issued, only the card account is opened without registering the real card of the card, and then connection registration is performed (1004)

Here, the list of all the connection cards connected to the opened integrated card and the integrated card and the contents of the service added to each connection card are transmitted (1005) to the integrated card company by the affiliated card company in real time (1005) And transmits it to the smart application of the user so that it is always displayed on the screen (1006).

Then, after the user downloads and installs the smart application from the integrated card company to use the integrated card, the user accesses the smart application to set a lock function and a default card option, The user selects a specific card from the list of connection cards displayed in the application and selects 1007 the most appropriate card for the purpose of using the card.

Here, the setting values of the lock function, the default card option, and the information on the payment card designated by the user are transmitted (1008) to the integrated card company immediately after setting.

Then, the integrated card company transmits the information about the payment card designated by the user to the affiliated credit card company in real time (1009), and when the setting value of the received lock function is "ON" (1010), and also stores the setting value of the received default card option in its own manner, and then, in response to the option setting value, the payment card is automatically requested (1011) the information on the changed payment card to the affiliated credit card company in real time.

The affiliated credit card company receives information on the payment card transmitted from the integrated card company in real time and updates (1012) the payment card which is changed by the user in real time (1012) The transaction is suspended or the transaction suspension is canceled (1013).

Then, when the user purchases goods or services from the merchant through the merchant and receives a transaction approval request (1014) from the merchant to the affiliated credit card company, the affiliated credit card company determines whether the transaction is approved or not. If the determination is affirmative, the transaction is approved by the updated payment card, the transaction approval is transmitted to the merchant (1015), and the user is provided with the service added to the payment card (1016).

On the other hand, the affiliated credit card company may request the transaction approval for the integrated card from the merchant in the state where the lock function is set to "ON " or the default card option is set to " NONE " If this is the case, it is obvious that the illegal use by another person is automatically rejected, and the user is promptly informed that there is a sign of fraud.

As described above, the integrated card device and the system and method for operating the integrated card described with reference to Figs. 2 to 10 are implemented when the main body (affiliated card company) issuing and managing a plurality of connection cards and the integrated card are the same . However, when the card issuing entity is different from the card issuing entity, an intermediary agency for relaying information transfer and transaction approval is required between the integrated card issuer and the issuer card issuer, .

It is needless to say that the present invention is not limited to the above-described embodiments, and many modifications may be made by those skilled in the art within the scope of the present invention.

201: integrated card, 202-205: connection card, 206: smart app
301: integration card front (front), 302: integration card front (rear)
S01: User, S02: Integrated card company, S03: Affiliate card company, S04: Merchant
601 to 604: user means
701-704: Integrated card company means
801-806: Affiliate card company means
901-904: Merchant means

Claims (14)

An affiliate card company issuing a unified card and a connection card and dealing with the payment card specified in the unified card; a user who accesses the smart app from time to time to designate the payment card; and a payment card, And an integrated card device operating in an environment in which an affiliate shop that provides goods and services by paying with the integrated card is interconnected via a network, the integrated card device comprising:
It is possible to use a credit card which is recognized and used as a complete credit card through the merchant having both the form and the function of the external credit card so that the IC chip or the built-in IC card A virtual credit card (hereinafter referred to as "unified card") for providing card information stored in the magnetic stripe; and
A card account is opened without a physical card, and a connection card is connected to the integrated card to pay a commodity price for a product or service to be purchased by the integrated card, and a plurality of payments Credit card (hereinafter referred to as "connection card") and
A specific connection card suitable for the purpose of using the card is selected from the connection card screen 403 at any time to designate the connection card as the payment card of the integrated card and a lock function added to the integrated card through the configuration screen 404, A smart application (hereinafter referred to as "smart application ") that transmits information on the designated payment card, setting values for the lock function and default card option to the integrated card company in real time, "), ≪ / RTI >
The smart application requests the suspension of use of the integrated card when the lock function is set to ON, and requests to cancel the use of the integrated card when it is set to OFF. If the lock function is set to ON, Wherein when the card option is set to "NONE " and a payment card is not designated and a transaction by the integrated card occurs, the user is promptly notified that there is a sign of fraudulent use. The method according to claim 1,
Wherein the integrated card is provided with a card number composed of a BIN number, a unique number, and a verification number according to a credit card number issuing rule. The method according to claim 1,
Wherein the integrated card is capable of issuing a plastic card and / or a mobile card. The method according to claim 1,
And the integrated card can be used as a unique payment means by adding a payment function to the integrated card. The method according to claim 1,
Wherein the type of the connection card includes all cards having a payment function such as a credit card, a check card, a debit card, a prepaid card, and a point card. The method according to claim 1,
Wherein the connection card is capable of separately issuing a physical card to use as a unique payment means if the user desires. The method according to claim 1,
Wherein the smart application includes an ARS system capable of operating in both a communication network and an Internet network and serving by voice. The method according to claim 1,
When the lock function is set to "ON ", the use of the integrated card is immediately stopped by the affiliated card company, and when the lock function is set to" OFF " The method according to claim 1,
The FIXED, VARIABLE, LAST, and NONE menus are provided for the default card options. If you select the FIXED menu, a specific card is always fixed to the payment card. If you select the VARIABLE menu, you can specify a payment card, If the condition is met, the specific card is redirected to the payment card. If you select the LAST menu, the last payment card is always kept until you reassign the payment card. If you select the NONE menu, Is set to an initial state in which no payment card is automatically provided when a predetermined condition is satisfied or when a predetermined condition is satisfied. An integrated card company for issuing and managing the integrated card and the connection card, a user designating the payment card of the integrated card, an integrated card company for identifying and providing the payment card which is changed from time to time, A system for operating an integrated card in an environment in which an affiliated merchant providing the card is interconnected via a network,
The card issuing unit issues an integrated card according to the request of the user, and when a specific card is designated from time to time by the user and connection registration is requested, a card account is opened without issuing a real card to the requested card, And receives information on the payment card specified in the integrated card in real time and stores the received information in a transaction, and when receiving a transaction approval request for the integrated card from the merchant, approves the transaction with the received payment card, An affiliate card company providing a service added to the payment card;
Downloading and installing a smart app from the integrated card company, accessing the smart app to set a lock function and a default card option of the integrated card from time to time, and setting one of the plurality of connection cards, A user who transmits the setting and designation signal to the integrated card company in real time as the card is selected and designated as a payment card;
The smart card application receives real time information on the lock function, the default card option setting value, and the payment card designated on the integrated card through the smart application, and then transmits information on the received payment card, the setting of the lock function and the default card option An integrated card company that transmits information on a payment card automatically changed according to a value to the affiliated card company in real time; And
And a merchant that transmits information on the card information read from the integrated card to the affiliated credit card company and information on a payment amount corresponding to the goods and services to be paid by the integrated card,
If the predetermined time has elapsed after the lock function is set to "ON" or the default card option is set to "NONE", or if a certain condition is satisfied, the smart app transmits a disablement request of the integrated card to the affiliated card company And notifying the user of the indication of fraudulent use when the transaction approval is requested from the outside in the disabled state, 11. The method of claim 10,
A transaction approval agent for receiving a transaction approval request from the merchant and transferring the transaction approval request to the affiliated credit card company, receiving the transaction approval result from the affiliated credit card company, transmitting the transaction approval result to the affiliated credit card company, receiving payment amount from the affiliated credit card company, The integrated card operating system further comprising: 11. The method of claim 10,
Characterized in that each of the connection cards is connectable and disconnectable to and from the integrated card 11. The method of claim 10,
The affiliated credit card company provides a list of connection cards and service contents added to the respective cards through the smart application so that the user can compare the service contents added to the respective connection cards and designate a payment card Integrated card operating system An integrated card company for issuing and managing a unified card and a connection card, a user designating a payment card of the integrated card, a smart card application for providing a smart app and identifying and providing a payment card that is changed at any time, A method for operating an integrated card using an interconnected system through a network, the method comprising:
If a connection card registration request for a specific card is requested from the user at any time, the card issuance system does not issue the real card to the requested card, A first step of registering and issuing a connection card;
A second step of transmitting information on the integrated card issued to the user, the list of connection cards connected to the integrated card, and the service contents added to the connection cards, to the smart app of the user;
The user accesses the smart app to set a lock function and a default card option of the issued integrated card and selects a specific card best suited to the card use purpose among the provided connection card list and designates the card as a payment card of the integrated card A third step in which the setting and designating signals are transmitted to the integrated card company in real time according to the setting;
A fourth step of receiving, from the integrated card company, information on a payment card designated to the integrated card and a payment card re-designated according to a setting of the default card option, in real time; And
And when the transaction approval request for the integrated card is received from the merchant, it is determined whether or not the transaction is approved, and if it is determined that the transaction is appropriate, the transaction is approved by the received payment card and the transaction approval is transmitted to the merchant, And a fifth step of providing a service added to the payment card,
When the predetermined time has elapsed after the lock function is set to "ON " or the default card option is set to" NONE ", or the certain condition is satisfied, the smart app requests the affiliate card company to suspend the transaction with the integrated card And when the transaction approval request is received from the merchant while the transaction is suspended, the transaction approval is automatically rejected, and the user is promptly informed that there is an indication of fraudulent use.

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