KR20230096427A - A method and a device for providing a dual card - Google Patents

Abstract

According to one embodiment, a method for providing a dual card by an apparatus, comprising: acquiring account information and card information used to provide the dual card; storing first account identification information of the account information and first card identification information of the card information in a first storage unit included in the dual card; obtaining first identification information including at least one of the first account identification information and the first card identification information from the dual card; Indicating whether second identification information including at least one of second account identification information of the account information, second card identification information of the card information, and second card product identification information of the card information and the first identification information correspond to each other obtaining a comparison result; and storing the second account identification information and the second card identification information in a second storage unit included in the dual card based on the comparison result.

Description

Method and apparatus for providing a dual card {A METHOD AND A DEVICE FOR PROVIDING A DUAL CARD}

The present disclosure relates to a technology for providing a card, and more particularly, to a technology for issuing a card so that a user can selectively use a desired card function to make a payment by implementing several different card functions in one card. will be.

In general, card issuance technology is proceeding in a manner in which a card company issues an individual card after receiving an application for issuance by function such as a credit card or a check card. In addition, even in the process of implementing this as a real card, after assigning the requested card function to an IC chip attached to a plastic card or a magnetic wire coated on one side, the IC chip or magnetic wire is read to check whether the corresponding card function is appropriately assigned. The error checking process is in progress.

This prior art has a disadvantage in that user convenience is poor because only the function of a single card designated for one card is implemented. In addition, in the prior art, even if multiple card functions are implemented in one card, there is no means for efficiently verifying whether the intended card function is properly implemented in the intended card in the process of implementing it as a real card, resulting in an error risk. There are big limitations.

Accordingly, a demand for a technology for efficiently issuing a card that overcomes the above problems and implements different card functions within a single card is gradually increasing.

Korea Patent Registration No. 10-0794275 (2008.01.07.) Card issuance system and method for issuing IC chip-mounted card

One embodiment of the present disclosure is to solve the above-mentioned problems of the prior art, and to provide a method and apparatus for efficiently issuing a card that implements several different card functions within a single card.

The purpose of the present disclosure is not limited to the purpose mentioned above, and other objects not mentioned will be clearly understood from the description below.

A method for providing a dual card by an apparatus according to a first aspect of the present disclosure includes acquiring account information and card information used to provide the dual card; storing first account identification information of the account information and first card identification information of the card information in a first storage unit included in the dual card; obtaining first identification information including at least one of the first account identification information and the first card identification information from the dual card; Indicating whether second identification information including at least one of second account identification information of the account information, second card identification information of the card information, and second card product identification information of the card information and the first identification information correspond to each other obtaining a comparison result; and storing the second account identification information and the second card identification information in a second storage unit included in the dual card based on the comparison result.

Also, the first storage unit may include a first IC chip and a first magnet, and the second storage unit may include a second IC chip and a second magnet.

The obtaining of the first identification information from the dual card may include obtaining the first identification information from the first IC chip, the first magnetic or a printing area included in the dual card. .

In addition, the storing in the first storage unit may include the first account identification information and the first magnet through the first module as the first IC chip and the first magnet are connected to the first module of the device. and storing card identification information in the first IC chip and the first magnet, wherein the acquiring of the first identification information includes the first IC chip and the first magnet in a second module of the device. or obtaining the first identification information from the first IC chip, the first magnet, or the printing area through the second module when the printing area is connected.

In addition, the acquiring of the first identification information may be performed when the second IC chip and the second magnet are connected to the first module, and a magnetic stripe (MS) of the first magnet is connected to the second module. , the first identification information may be received from the MS through the second module.

In addition, the first account identification information and the second account identification information are at least partially identical to each other, the first account identification information and the second card identification information correspond to a personal account and a personal card, respectively, and the second The account identification information and the second card identification information may correspond to a corporate account and a corporate card, respectively.

The obtaining of the comparison result may include determining whether the first identification information matches designator information of a corporate card corresponding to the second identification information.

In addition, the first account identification information and the second account identification information are identical, and the first account identification information and the first card identification information correspond to personal account identification information and personal card identification information for a first card product, respectively, , The second account identification information and the second card identification information may correspond to personal card identification information for a personal account and a second card product, respectively.

The obtaining of the account information and the card information may include receiving card application information for a first card and a second card to be applied to the dual card from a user terminal; obtaining the first card identification information and the second card identification information based on the first account identification information and the second account identification information included in the card request information; and acquiring mapping information used to obtain the comparison result by mapping between the first account identification information and the second account identification information.

In addition, the receiving of the card application information includes providing recommendation information for two or more card products among a plurality of card products to the user terminal based on the first account identification information and the second account identification information. can include more.

In addition, the step of providing recommendation information on the two or more card products may include the recommendation based on at least one of types, account balances, the number of credit cards held, card usage details, and credit information for the first account and the second account. It may include acquiring information.

In addition, the method determines that the other one of the first storage unit and the second storage unit is in an inactive state when a predetermined deactivation condition is satisfied for any one of the first storage unit and the second storage unit. Step; may further include.

The determining of the inactive state may include determining the second storage unit to be in the inactive state when overseas approval occurs through the first storage unit; and updating the second storage unit, which was in an inactive state, to an active state when domestic approval occurs through the first storage unit.

In addition, when the types of the first card product corresponding to the first card identification information and the second card product corresponding to the second card identification information are different, the payment process proceeding through the first storage unit and the second storage The payment process going through the department can be done in different ways.

An apparatus for providing a dual card according to a second aspect of the present disclosure includes a receiver configured to obtain account information and card information used to provide the dual card; and storing first account identification information of the account information and first card identification information of the card information in a first storage unit included in the dual card, and storing the first account identification information and the first card identification information of the card information from the dual card. Obtaining first identification information including at least one of card identification information, and obtaining at least one of second account identification information of the account information, second card identification information of the card information, and second card product identification information of the card information. Obtaining a comparison result indicating whether 2 identification information and the first identification information correspond to each other, and based on the comparison result, the second account identification information and the second card identification information are stored in the dual card. 2 processor to store in the storage unit; may include.

Also, the first storage unit may include a first IC chip and a first magnet, and the second storage unit may include a second IC chip and a second magnet.

Also, the processor may obtain the first identification information from a print area included in the first IC chip, the first magnet, or the dual card.

In addition, the first account identification information and the second account identification information are at least partially identical to each other, the first account identification information and the second card identification information correspond to a personal account and a personal card, respectively, and the second The account identification information and the second card identification information may correspond to a corporate account and a corporate card, respectively.

In addition, the first account identification information and the second account identification information are identical, and the first account identification information and the first card identification information correspond to personal account identification information and personal card identification information for a first card product, respectively, , The second account identification information and the second card identification information may correspond to personal card identification information for a personal account and a second card product, respectively.

In addition, the receiving unit receives card application information for a first card and a second card to be applied to the dual card from a user terminal, and the processor receives the first account identification information and the second account information included in the card application information. Obtaining the first card identification information and the second card identification information based on the identification information, mapping information used to obtain the comparison result between the first account identification information and the second account identification information, can be obtained

In addition, the receiving of the card application information includes providing recommendation information for two or more card products among a plurality of card products to the user terminal based on the first account identification information and the second account identification information. can include more.

A third aspect of the present disclosure may provide a computer readable recording medium recording a program for executing the method according to the first aspect in a computer. Alternatively, the fourth aspect of the present disclosure may provide a computer program stored in a recording medium to implement the method according to the first aspect.

According to an embodiment of the present disclosure, as two integrated circuit (IC) chips are mounted on one card, a user can selectively use one of the two IC chips, thereby improving convenience and reducing the cost of a blank card. .

In addition, it is possible to implement various combinations of cards within one card, thereby improving user satisfaction.

In addition, in the process of sequentially issuing two card information to one card, the card information issued first is used to verify the card information issued later, thereby reducing the possibility of an error in which unrelated card information is loaded into one card. High accuracy can be realized by blocking effectively.

The effects of the present disclosure are not limited to the above effects, and should be understood to include all effects that can be inferred from the configuration of the invention described in the detailed description or claims of the present disclosure.

1 is a diagram schematically illustrating the configuration of a card providing system according to an embodiment.
2 is a block diagram showing the configuration of a card providing device according to an embodiment.
3 is a flowchart illustrating a method of providing a dual card by a card providing device according to an exemplary embodiment.
4 is a diagram illustrating a dual card according to an exemplary embodiment.
5 is a flowchart illustrating a method of providing a dual card by a card providing device according to an exemplary embodiment in more detail.
6 is a diagram for explaining in detail an operation of issuing a dual card by a card providing device according to an exemplary embodiment.
7 is a flowchart illustrating a method of issuing a dual card by a card providing device according to another embodiment.

The terms used in the embodiments have been selected as general terms that are currently widely used as much as possible while considering the functions in the present disclosure, but they may vary depending on the intention or precedent of a person skilled in the art, the emergence of new technologies, and the like. In addition, in a specific case, there is also a term arbitrarily selected by the applicant, and in this case, the meaning will be described in detail in the description of the invention. Therefore, terms used in the present disclosure should be defined based on the meaning of the term and the general content of the present disclosure, not simply the name of the term.

In the entire specification, when a part is said to "include" a certain component, it means that it may further include other components, not excluding other components unless otherwise stated. In addition, as described in the specification, "... wealth", "… A term such as “module” refers to a unit that processes at least one function or operation, and may be implemented as hardware or software or a combination of hardware and software.

Throughout the specification, 'support' may be broadly interpreted as meaning including the performance of a related operation to achieve a specific purpose, and is not construed as limiting. For example, if server C supports server A so that server A performs operation B, server C's support for server A comprehensively performs related operations required in the process of server A performing operation B. can be interpreted as including For example, server C provides relevant information necessary for server A to perform operation B, a preliminary operation expected to be necessary in the process of server A performing operation B, and a message requested by server A to perform operation B. It is possible to perform reception and the like for .

In addition, throughout the specification, 'providing' includes a process in which an object acquires specific information or directly or indirectly transmits/receives it to a specific object, and can be interpreted as comprehensively including the performance of related operations required in this process.

Hereinafter, with reference to the accompanying drawings, embodiments of the present disclosure will be described in detail so that those skilled in the art can easily carry out the present disclosure. However, the present disclosure may be implemented in many different forms and is not limited to the embodiments described herein.

Hereinafter, embodiments of the present disclosure will be described in detail with reference to the drawings.

1 is a diagram schematically illustrating a configuration of a card providing system 1000 according to an exemplary embodiment.

Referring to FIG. 1 , a card providing system 1000 according to an embodiment may include a card providing device 100 and one or more user terminals 200 .

The card providing device 100 corresponds to a computing device capable of providing the dual card 10 . Here, the dual card 10 means a payment method in which a plurality of cards that can be used for payment in one physical card are implemented, and each of the plurality of cards includes an IC (integrated circuit) chip and / or a magnetic It can be implemented through a storage unit. Hereinafter, an embodiment in which the first card and the second card are implemented as two cards in the dual card 10 has been mainly described, but it is not construed as being limited thereto, and “dual” throughout the specification includes two or more. It can be understood as a concept of

The card providing device 100 may implement a first account and a second account, and provide the dual card 10 by linking the first account and the second account. In one embodiment, the user corresponding to the first account and the user corresponding to the second account may be the same or different. For example, a user corresponding to the first account may be an individual, and a user corresponding to the second account may be a corporation. For another example, the user corresponding to the first account and the user corresponding to the second account may be the same or different individuals. For example, the card providing device 100 may provide card information of a first card approved for issuance of a first account corresponding to an individual associated with the user terminal 200 based on a card issuance request received from the user terminal 200 . And, card information of a second card approved for issuance of a second account corresponding to a corporation that registered the corresponding individual as a corporate card designator may be issued to the dual card 10 . More detailed information regarding this will be described later with reference to FIGS. 2 to 7 .

The card providing device 100 may include all types of wired and wireless communication devices that may be connected to other devices including one or more user terminals 200 through a network. Here, the network may be configured through various communication networks such as wired and wireless, for example, a local area network (LAN), a metropolitan area network (MAN), and a wide area network (WAN). Network) can be composed of various communication networks.

In one embodiment, the card providing device 100 operates through a computer program for realizing the functions described in this specification, and may be implemented as a terminal issuing a card including an IC chip and a magnet. For example, the card providing device 100 is implemented as a card issuing terminal (not shown) corresponding to a card company, and issues a physical card by recording card information on an IC chip and a magnet embedded in the dual card 10. can do.

In another embodiment, the card providing device 100 may be implemented as a server such as a computer that operates through a computer program for realizing the functions described in this specification. For example, the card providing device 100 may be implemented as a card company server (not shown) corresponding to a card company.

In another embodiment, the card providing device 100 may be implemented by including the above-described terminal and server. For example, the card providing device 100 may be implemented in a form in which a card company server and one or more card issuing terminals communicating through a network operate in conjunction with each other. For example, the card company server creates, stores, and manages information necessary to provide the dual card 10, and transmits information used for issuing the dual card 10 to the card issuing terminal, thereby providing the dual card of the card issuing terminal ( The entire issuing process of 10) can be supported or controlled, and the card issuing terminal can sequentially perform the card issuing process of the dual card 10 in conjunction with the card company server.

The user terminal 200 corresponds to a computing device corresponding to a user. In one embodiment, the user terminal 200 is implemented as a wireless communication device based on various types of handhelds such as a mobile phone, a smart phone, a personal digital assistant (PDA), a portable multimedia player (PMP), a tablet PC, or the like. , desktop PCs, tablet PCs, and laptop PCs may include various types of wired and wireless communication devices connected to an external server and provided with a base for installing and executing applications.

The user terminal 200 according to an embodiment may install and store an application for a card providing service in a memory. In one embodiment, the card providing service may be understood as a concept encompassing the method of providing the dual card 10 described below, and the card providing device 100 provides an application for the card providing service to the user terminal 200. ), and is connected to the user terminal 200 through an application installed in the user terminal 200 to receive information such as a card issuance application for the dual card 10, and various information related to the dual card 10 Information (e.g. card issuance progress, card issuance history, usage history for each card, card bill, etc.) can be provided.

In addition, the card providing system 1000 may further include other components in addition to the components shown in FIG. 1 . For example, the card providing system 1000 may further include an authentication server performing user authentication in the card providing process. Alternatively, according to another embodiment, some of the components shown in FIG. 1 may be omitted.

2 is a block diagram showing the configuration of a card providing device 100 according to an embodiment, and FIG. 3 is a method for providing a dual card 10 by the card providing device 100 according to an embodiment. It is a flow chart.

Referring to FIGS. 2 and 3 , the card providing device 100 may include a receiving unit 110 and a processor 120 .

In step S310, the receiving unit 110 may acquire account information and card information used to provide the dual card 10. In one embodiment, the account information represents information about an account to which the dual card 10 is issued, first account identification information representing account identification information for the first account, and account identification information for the second account. It may include second account identification information indicating. The account identification information may include a resident registration number, a personal I-PIN number, etc. in the case of an individual, and may include a business registration number, a public I-PIN number, etc. in the case of a corporation. In addition, the card information indicates information about a card to be issued to the dual card 10, and includes first card identification information indicating card identification information for the first card and second card identification information indicating card identification information for the second card. information may be included. The card identification information may include a card number, an expiration date, a card validation code (CVC), and the like, and may be understood as a concept encompassing uniquely assigned card information, virtual card information, and one-time card information.

In one embodiment, the receiving unit 110 may receive the above-described account information and card information from another device (eg, a server). In another embodiment, the receiving unit 110 may receive card application information for the first card and the second card to be applied to the dual card 10 from the user terminal 200, and the processor 120 may perform card application information. Based on the first account identification information and the second account identification information included in the first card identification information and the second card identification information may be obtained. For example, the receiving unit 110 is card application information for a first card (eg, a personal credit card), and personal information including a resident registration number related to an individual's first account and card product information (eg, personal credit card information). Receive card product A), and as card application information for a second card (e.g., corporate credit card), business registration number and designator information (e.g., use of the corporate card by the second account) for the second account of the corporation Corporate information and card product information (eg, corporate credit card product B) including a resident registration number of a designated user with authority may be received. In addition, the processor 120 may analyze the credit information of the first account and the second account according to a preset policy based on the received information to perform a card review process for determining whether or not to approve card issuance, the card limit, and the like. there is. In addition, the processor 120, when card issuance is approved for the first card and the second card, first card identification information and the second card identification information according to a pre-stored number generation algorithm based on the first account identification information and the second account identification information. 2 Card identification information can be created.

In one embodiment, the processor 120 may obtain mapping information by mapping between the first account identification information and the second account identification information. For example, the processor 120 provides information on issuance of the first card, such as the resident registration number of the first account (eg, individual), the card number of the first card, and the card product number, and the operator of the second account (eg, corporation). A mapping table in which information related to issuance of the second card, such as registration number, resident registration number of a designated person for the second card, card number of the second card, and card product number, is mapped may be stored and managed. This mapping information may be used to verify whether information on the first card and information on the second card correspond to each other in a process of issuing the first card and the second card in a later step.

As account information and card information for issuing the dual card 10 are obtained, the processor 120 may start a card issuing process for sequentially issuing a first card and a second card to the dual card 10. . Hereinafter, with further reference to FIG. 4 , steps S320 to S350 will be described.

4 is a diagram illustrating a dual card 10 according to an exemplary embodiment. Referring to FIGS. 1 and 4 , the dual card 10 may include a first storage unit 10a and a second storage unit 10b. Each of the first storage unit 10a and the second storage unit 10b may be composed of an IC chip and/or a magnet. For example, the first storage unit 10a includes the first IC chip 11 and the first magnet 13, and the second storage unit 10b includes the second IC chip 12 and the second magnet ( 14) may be included. For another example, the first storage unit 10a may include the first IC chip 11 and the second storage unit 10b may include the second IC chip 12 . Hereinafter, the first storage unit 10a and the second storage unit 10b of the dual card 10 have been described based on an embodiment including an IC chip and a magnet, but the present invention is not limited thereto, and as described above, an IC chip without a magnet. It may be implemented in various ways, such as an embodiment including a chip and an embodiment including a magnet without an IC chip.

Referring to FIG. 4( a ) , a first IC chip 11 and a second IC chip 12 may be included on one side of the dual card 10 . In one embodiment, the first IC chip 11 may be located at the side end of the dual card 10 in the first direction (eg, the left side), and the second IC chip 12 may be located in the dual card 10. It may be located at a side end in a second direction opposite to the first direction (eg, the right side). Each of the first IC chip 11 and the second IC chip 12 may be implemented as an IC chip including a microprocessor, a card operating system, a security module, and a memory. Hereinafter, an embodiment in which a first card and a second card are issued to a dual card 10 implemented as a plastic card equipped with a first IC chip 11 and a second IC chip 12 by a card manufacturer will be focused on. However, in the process of issuing the first card and the second card, the first IC chip 11 and the second IC chip 12, on which card issuance information is recorded, are inserted into the corresponding positions of the plastic card. An embodiment in which (10) is implemented may be included.

Referring to FIG. 4( b ) , a first magnet 13 and a second magnet 14 may be included on the other side of the dual card 10 . In one embodiment, the first magnet 13 may be located at the side end of the dual card 10 in the third direction (eg, upper side), and the second magnet 14 is the dual card 10 in the third direction. It may be located at the side end of the fourth direction (eg, lower side) opposite to . Each of the first magnet 13 and the second magnet 14 may be implemented as a magnetic line including a magnetic stripe (MS).

In addition, the first print area 15 and the second print area 16 may be included on the corresponding side of the dual card 10 . In one embodiment, the first printed area 15 may be positioned adjacent to the first magnet 13 and the second printed area 16 may be positioned adjacent to the second magnet 14 . Each of the first print area 15 and the second print area 16 may be blank before issuing the card, and in the card issuing process according to steps S320 to S350, account information for each of the first card and the second card ( Ex: user name) and card information (eg, card number, expiration date, etc.) may be printed or embossed. Also, the first printed area 15 and the second printed area 16 may be positioned on the same side as the IC chip.

In step S320, the processor 120 may store the first account identification information and the first card identification information in the first storage unit 10a included in the dual card 10. In one embodiment, a dual card 10 in a state in which two IC chips and two magnets are provided on one blank card may be prepared, and included in the card providing device 100 to accommodate the dual card 10 As the dual card 10 is inserted into the module in the first direction for issuing the first card, the processor 120 may be electromagnetically connected to the first IC chip 11 and/or the first magnet 13. there is. The processor 120 records the card issuance information for the first card including the first account identification information and the first card identification information in the first IC chip 11 and the first magnet 13 connected to the first card. It is possible to perform a first card issuing process of issuing to the dual card (10). In one embodiment, the card issuance information recorded on the dual card 10 may further include other information required for card use, and may be converted or processed into a format suitable for an IC chip or magnet.

In step S330, the processor 120 may obtain first identification information including at least one of first account identification information and first card identification information from the dual card 10. Here, the first identification information is the “information on the first card” issued to the dual card 10 in step S320 before recording the card issuance information for the second card in the dual card 10 and the subsequent steps. It can be used to verify whether “information on the second card” scheduled to be issued to the dual card 10 corresponds to each other.

In one embodiment, after the first card issuing process is completed, the dual card 10 separated from the module of the card providing device 100 is transferred to the module of the card providing device 100 in the second direction for issuing the second card. As it is inserted into, the processor 120 may be electromagnetically connected to the second IC chip 12 and the second magnet 14. In addition, at the same time (or sequentially), the processor 120 may be electromagnetically or physically connected to at least one of the first IC chip 11, the first magnetic 13, and the first printing area 15. . The processor 120 may obtain first identification information from at least one of the connected first IC chip 11 , the first magnet 13 , and the first print area 15 . For example, the processor 120, in a state where the second IC chip 12 and the second magnet 14 are connected for issuing the second card, connects the first magnetic chip 12 and the second magnetic card 14 to obtain a comparison result between the first card and the second card. From (13), the resident registration number of the first account (eg, individual), the card product number of the first card, and the like can be read.

In one embodiment, as the processor 120 is connected to the MS of the first IC chip 11 or the first magnetic 13, the first IC chip 11 or the MS of the first magnet 13 The resident registration number and card number of the card can be read. In another embodiment, the processor 120 recognizes text printed or embossed on the first printing area 15 as it is connected to the first printing area 15 (eg, reading as text through scanning) , Card number, expiration date, user name, etc. can be read from the recognized text.

In step S340, the processor 120 compares second identification information including at least one of second account identification information, second card identification information, and second card product identification information indicating whether the first identification information corresponds to each other. result can be obtained. In one embodiment, the processor 120 may obtain a comparison result between the first identification information and the second identification information by using the mapping information. For example, the processor 120, in the stored mapping table, the resident registration number read from the first magnetic 13, the card number of the first card, the business registration number mapped to the card product number, the designator's resident registration number, the card number, and the card Product numbers and the like can be loaded. In addition, the processor 120 includes the loaded business registration number, the designee's resident registration number, card number, card product number, etc., the business registration number for the second account included in the second identification information, the designator's resident registration number for the second card, The card number of the second card, the card product number, etc. may be compared to determine whether they match.

In one embodiment, the processor 120 detects card identification information mapped to the first account identification information included in the first identification information, and detects card product identification information and second card product identification mapped to the detected card identification information. It is possible to determine whether the information corresponds to each other. For example, the processor 120 loads the resident registration number read from the first magnet 13 and the card product number mapped from the mapping table, and compares the loaded card product number with the card product number of the second card to be issued. match can be determined.

In another embodiment, the processor 120 may determine whether the first identification information matches designator information of a corporate card corresponding to the second identification information. For example, the processor 120 loads the card number of the second card to be issued and the resident registration number of the designator mapped from the mapping table, compares the resident registration number read from the first magnet 13 with the loaded resident registration number of the designator, and matches the resident registration number of the designator. can check whether

In step S350, the processor 120 may store second account identification information and second card identification information in the second storage unit 10b included in the dual card 10 based on the comparison result. In one embodiment, the processor 120, when the first identification information and the second identification information correspond to each other, the second IC chip 12 and/or the second magnet 14 of the second storage unit 10b connected thereto. A second card issuance process of issuing the second card to the dual card 10 may be performed by recording the card issuance information for the second card including the second account identification information and the second card identification information in .

When the first identification information and the second identification information do not correspond to each other, the processor 120 may output a message indicating that an error has occurred and stop the second card issuing process. For example, the processor 120 may use the first identification information acquired from the dual card 10, the second identification information about the second card scheduled to be issued to the dual card 10, a difference item according to the comparison result, and an error. It is possible to generate a message including information about a cause analysis result, etc., and display the message through a display (not shown). Thereafter, the processor 120 is disconnected from the dual card 10 as the dual card 10 is separated, and the second IC chip 12 and the second magnetic 14 of the same or different dual card 10 When connected to , the second card issuing process may be restarted and steps S330 to S350 may be performed again. In addition, the processor 120 transmits card issuance information for the second card to the connected second IC chip 12 and the second magnet 14 when the acquired first identification information and the second identification information correspond to each other. can be recorded

According to an embodiment of the present disclosure, as two IC chips are mounted on one dual card 10, the user can selectively use the card by simply presenting one of the two IC chips during payment. User convenience can be improved.

In addition, in the process of sequentially issuing two card information to the dual card 10, by using the card information issued first to verify the card information issued later, an error occurs in which card information that is not related to each other is loaded into one card. High accuracy can be realized by effectively blocking the possibility.

According to an embodiment, the first card and the second card may be implemented in various combinations according to the types of the first account and the second account, each card product type, and the like.

In the first embodiment, the first account identification information and the second account identification information are at least partially identical to each other, the first account identification information and the second card identification information correspond to a personal account and a personal card, respectively, and The identification information and the second card identification information may correspond to a corporate account and a corporate card, respectively. For example, if the first account and the second account are individuals and corporations, respectively, and the first card and the second card are applied for issuance as a personal card and a corporate card, respectively, the resident registration number among the first account identification information identifies the second account Among the information, it may match the resident registration number of the designated person for the corporate card.

In the second embodiment, the first account identification information and the second account identification information are the same, the first account identification information and the first card identification information correspond to personal account identification information and personal card identification information for the first card product, respectively; , The second account identification information and the second card identification information may correspond to personal account identification information and personal card identification information for the second card product, respectively. For example, the first account and the second account are the same individual, the first card and the second card are the same personal card, but are issued as different card products (e.g. credit card A, credit card B, check card C, etc.) If requested, the first account identification information and the second account identification information may match.

In this way, the dual card 10 is a combination of a personal card and a corporate card, a combination of a credit card and a check card, a combination of a credit card and a prepaid card, a combination of a personal credit card A product and a credit card B product, and various card combinations. As it can be implemented, user satisfaction can be improved in terms of diversity.

The receiving unit 110 according to an embodiment may include a wired/wireless communication device that is connected to one or more user terminals 200 through a network and can transmit/receive various pieces of information described below. In addition, the processor 120 may perform a series of operations to provide the dual card 10, may be implemented as a central processor unit (CPU) for controlling the overall operation of the card providing apparatus 100, the receiver ( 110) and other components to control data flow between them.

In addition, those skilled in the art can understand that other general-purpose components other than the components shown in FIG. 2 may be further included in the card providing apparatus 100. For example, the card providing device 100 may further include a storage unit (eg, memory, database, cloud) for storing data used throughout the operation and an input/output interface for receiving user input or outputting information. can

5 is a flowchart illustrating a method in which the card providing apparatus 100 provides the dual card 10 according to an embodiment in more detail.

In step S501 , the card providing device 100 may receive card request information for the first card and the second card to be applied to the dual card 10 from the user terminal 200 . In one embodiment, the card providing device 100 may provide a search menu through which information on a plurality of card products applicable to the dual card 10 may be searched through an application installed on the user terminal 200, and , It is possible to receive a selection input for a card product to be applied to each of the first card and the second card through the inquiry menu. In addition, the card providing device 100 may provide a request menu for inputting card application information for selected card products, and through the application menu, a first card corresponding to the owner of each of the first card and the second card may be provided. Input information on the account and the second account may be received.

In one embodiment, the card providing device 100 may obtain first account identification information and second account identification information from card application information. For example, based on the first account identification information and the second account identification information included in the card application information, or the input information (eg, corporate name, etc.) for the first account and the second account included in the card application information. Thus, it can be inquired from customer information pre-stored in the customer database.

The card providing device 100 may provide recommendation information for two or more card products among a plurality of card products to the user terminal 200 based on the first account identification information and the second account identification information. For example, since the dual card 10 may be implemented in various combinations as described above, an appropriate combination among a plurality of card products may be recommended to the user based on information of a user requesting issuance of the dual card 10 .

In one embodiment, the card providing device 100 provides information about two or more card products based on at least one of the type of the first account and the second account, the account balance, the number of credit cards held, card usage details, and credit information. Recommendation information can be obtained. For example, the card providing device 100, based on the customer information stored in the customer database, if the account corresponding to the user terminal 200 is an individual registered as a designator of the corporate card by the account corresponding to the corporation, the individual It is possible to recommend a product combination of card and corporate card. For another example, the card providing device 100 may recommend a product combination of a credit card and a check card when the amount of cash held in the account corresponding to the user terminal 200 is greater than or equal to a preset amount. For another example, the card providing device 100, in the case of an individual having a plurality of credit cards equal to or greater than a predetermined number, provides credit for product A and credit for product B that can receive the most benefits based on card use details. A product combination of cards can be recommended.

In one embodiment, the card providing device 100 recommends a plurality of card products based on at least one of the type of the first account and the second account, the account balance, the number of credit cards held, card usage details, and credit information. A score may be determined, and a recommended card product list in which information on a plurality of card products is arranged in an order of high recommendation score may be provided. For example, the card providing device 100 may calculate recommendation scores according to weights assigned to the first account and the second account in the order of type, account balance, number of credit cards owned, and details of card use.

In another embodiment, the card providing device 100 may determine a recommendation score based on card use histories by the first account and the second account. For example, the card providing device 100 collects information about items or product categories mainly used for payment by a first account and card types selected by users registered as designators by a second account, and Based on the information, a higher recommendation score may be determined as a correlation with an item, product category, or card type frequently used for payment among a plurality of card products is higher.

In step S502, the card providing device 100 may acquire first card identification information and second card identification information based on the first account identification information and the second account identification information. The card providing device 100, when card issuance for the first card and the second card is approved based on the first account identification information and the second account identification information, the first card identification information and the second card identification information according to a number generation algorithm. Card identification information can be created, stored and managed. Throughout this process, detailed procedures such as card review may be additionally performed, and a description thereof will be omitted.

In step S503, the card providing device 100 may obtain mapping information by mapping between the first account identification information and the second account identification information. In one embodiment, the mapping information includes information about issuing a first card including at least one of a resident registration number of a first account, a card number of a first card, and a card product number, a business registration number of a second account, and a second card. It may include a mapping table in which information related to issuance of the second card including at least one of the resident registration number of the designator, the card number of the second card, and the card product number of the designator is mapped.

In step S504, the card providing device 100 may provide the user terminal 200 with an approval result for the card application. In one embodiment, the card providing device 100 may provide an inquiry menu through which a progress status of a card issuance application may be inquired through an application, and information on whether or not the card issuance application has been received and card issuance may be provided through the inquiry menu. Information on approval status, card issuance status, delivery status, etc. can be provided.

In steps S505 to S510, the card providing device 100 may perform a card issuing process for the dual card 10. Details regarding this will be further described with reference to FIG. 6 .

6 is a diagram for explaining in detail an operation of issuing a dual card 10 by the card providing apparatus 100 according to an exemplary embodiment.

Referring to FIG. 6 , the card providing device 100 may further include a first module 130 and a second module 140 for sequentially issuing a first card and a second card to the dual card 10. there is. The first module 130 may accommodate at least a portion of the dual card 10, and may be connected to an IC chip and a magnetic placed on one side of the dual card 10 as the dual card 10 is inserted, and connected to the first module 130. Card information about the card to be issued can be recorded on the IC chip and magnetic. Also, as the dual card 10 is inserted into the first module 130, the second module 140 may be connected to an IC chip, magnetic or printed area located on one side of the dual card 10, and connected to the IC chip. , identification information can be read from magnetic or printed areas.

First, in steps S505 and S506, the card providing device 100 may perform a first card issuing process for a first card.

In step S505 , the card providing device 100 may be connected to the first IC chip 11 and the first magnet 13 of the dual card 10 . In one embodiment, as the dual card 10 is inserted into the first module 130 in a first direction (eg, left), the first module 130 is positioned at the side end of the dual card 10 in the first direction. It may be connected to the first IC chip 11 located and the first magnet 13 located at the side end in the third direction (eg, upper side).

In step S506, the card providing device 100 may store first account identification information and first card identification information in the connected first IC chip 11 and first magnet 13. For example, the card providing device 100 sequentially sends the first card issuance information including the resident registration number of the first account and the card number of the first card to the first IC chip 11 and the first magnet 13. can be recorded In addition, the card providing device 100 may perform a process such as printing or embossing the card number, expiration date, CVC, name of the first account, etc. on the first printing area 15 to complete the first card issuing process. can

Then, in steps S507 to S510, the card providing device 100 may perform a second card issuing process for the second card.

In step S507, the card providing device 100 is connected to the second IC chip 12 and the second magnetic 14 of the dual card 10, the first IC chip 11 of the dual card 10, the first It may be connected to the magnetic 13 or the first print area 15 . In one embodiment, as the first card issuing process is completed, the dual card 10 inserted in the first direction into the first module 130 is separated, and then the dual card 10 is inserted into the first module 130. ) may be inserted in the second direction (eg, right). Accordingly, the first module 130 includes the second IC chip 12 located at the side end of the dual card 10 in the second direction and the second magnet 14 located at the side end in the fourth direction (eg, lower side) and can be connected Also, the second module 140 may be connected to the first IC chip 11 , the first magnet 13 , or the first printing area 15 that are not connected to the first module 130 .

In one embodiment, when the second IC chip 12 and the second magnet 14 are connected to the first module 130, the MS of the first magnet 13 may be connected to the second module 140. For example, the dual card 10 inserted into the first module 130 to issue the first card can be rotated 180 degrees and inserted into the first module 130 again, and the first module 130 It is connected to the 2nd IC chip 12 and the 2nd magnet 14 to which the 2nd card has not yet been issued, and the 2nd module 140 will be connected to the MS of the 1st magnet 13 to which the 1st card has already been issued. can In one embodiment, when the dual card 10 is rotated 180 degrees while maintaining the direction in which the first IC chip 11 faces, the second IC chip 12 is placed in the space where the first IC chip 11 was located. It can be configured to be located.

In step S508, the card providing device 100 may obtain first identification information from the connected first IC chip 11, the first magnet 13, or the first printing area 15. For example, the card providing device 100 reads the resident registration number, card number, etc. of the first card issued to the first magnet 13 from the MS of the first magnet 13 through the second module 140. can

In step S509, the card providing device 100 sends the second account identification information and the second card to the connected second IC chip 12 and the second magnet 14 when the first identification information and the second identification information correspond to each other. Identification information can be stored. For example, the processor 120 loads the resident registration number read from the first magnet 13 and the card product number mapped from the mapping table, and compares the loaded card product number with the card product number of the second card to be issued. If they match, the second card issuance information including the business registration number of the second account, the designator's resident registration number of the second account, and the card number of the second card is sent to the second IC chip 12 through the first module 130. And it can be written sequentially on the second magnetic 14. In addition, the card providing device 100 prints or embosses the card number, expiration date, CVC, corporate name or related logo of the second account (eg, card company logo, corporate logo) on the second printing area 16, etc. It is possible to complete the second card issuing process by performing the process of.

In step S510, the card providing device 100 may output a message indicating that an error has occurred and stop the second card issuing process when the first identification information and the second identification information do not correspond to each other. When the dual card 10 is separated and connected to the second IC chip 12 and the second magnetic 14 of the same or different dual card 10, the card providing device 100 performs a second card issuing process. can restart

In addition, the card providing device 100 may additionally perform a card inspection to check whether card issuance has been properly performed, and as the first card and the second card are normally issued to the dual card 10, the card issuance result Information on the information may be provided to the user terminal 200 .

According to an embodiment of the present disclosure, the possibility that IC chips of different users are issued to one card can be significantly reduced. In addition, when cards are sequentially issued to one dual card 10, the probability of error occurrence is greatly reduced by first identifying issuance information in the IC chip or MS where the card was issued and then confirming whether it matches the card information to be issued later. can be reduced

Even after the dual card 10 is provided to the user, the card providing device 100 may additionally support various interfaces for preventing financial accidents and improving user convenience throughout the use of the dual card 10 . Hereinafter, in the use of the dual card 10, an embodiment in which the IC chip included in the first storage unit 10a and the second storage unit 10b has been mainly described, but is not limited thereto. As such, it may be implemented in various ways, such as an embodiment using an IC chip without a magnet and an embodiment using a magnetic or IC chip selectively.

The card providing device 100, when a predetermined deactivation condition is satisfied for any one of the first storage unit 10a and the second storage unit 10b, the first storage unit 10a and the second storage unit 10b ) may be determined to be in an inactive state. The card providing device 100 may manage the states of the first IC chip 11 and the second IC chip 12 , for example, when issuing the dual card 10 or receiving the dual card 10 from the user. , when registering the user's card use, the first IC chip 11 and the second IC chip 12 may be determined to be activated. In addition, the card providing device 100 changes one of the two IC chips to a state according to a condition set in advance for the country, region, etc. of card approval generated through any one card for the dual card 10. can

In one embodiment, the card providing device 100 determines that the second storage unit 10b is in an inactive state when overseas approval occurs through the first storage unit 10a, and stores the first storage unit 10a. When domestic approval occurs through this, the second storage unit 10b, which was in an inactive state, may be updated to an active state. For example, the card providing device 100 changes another IC chip to an inactive state when an overseas approval occurs for one IC chip, and then changes the other IC chip to an active state when domestic approval occurs for the corresponding IC chip. , can reduce the possibility of financial accidents.

In another embodiment, the card providing device 100, when domestic approval occurs at an affiliated store located in a first region (eg, Seoul) of the country through the first IC chip 11, a reference distance or more from the first region It is determined that the 2nd IC chip 12 is in an inactive state only for the distant 2nd region (eg, Busan, Jeju Island, etc.), and as the time corresponding to the reference distance elapses, the 2nd IC chip 12 in the inactive state is removed. It can also be updated to active state

When the types of the first card product corresponding to the first card identification information and the second card product corresponding to the second card identification information are different, the payment process performed through the first IC chip 11 and the second IC chip The payment process going through (12) can be done in different ways. In one embodiment, when payment is performed through a selected one of the first IC chip 11 and the second IC chip 12, an additional authentication process corresponding to the type of the corresponding card may be performed. For example, after a message informing that payment will be made with the type of card (e.g., corporate card) is output, payment can be made according to the user's consent, and the user can easily determine what type of card is being paid. We can help you become aware of it. In another embodiment, a different payment method corresponding to the type of card for which payment is requested may be additionally requested. For example, in the case of a corporate card, a procedure requiring a signature may be added.

When some of the account identification information required for issuing the first card and the second card are the same in the card issuing process, the card providing device 100 may shorten the card issuing time by utilizing pre-stored information. For example, when the first card and the second card are a personal card and a corporate card, the card providing device 100 performs an additional procedure for acquiring personal information other than the resident registration number of the designator from the designator information for the second card. may be omitted, and personal information of the first account corresponding to the designator may be utilized. For another example, if the first card and the second card are personal cards of the same individual, the card providing device 100 omits an additional procedure for obtaining second account identification information necessary for issuing the second card, and , account identification information of the first account corresponding to the second account may be utilized.

7 is a flowchart illustrating a method of issuing a dual card 10 by the card providing apparatus 100 according to another embodiment.

Referring to FIG. 7 , in step S710, the card providing device 100 may perform an accident registration process for accident prevention. For example, the card providing device 100 may manage an accident code related to a person who uses the card and accident details to be registered in a personal card. In addition, the card providing apparatus 100 may manage not to register an accident code for a designator corporate card for which a designator is determined by a corporation.

In step S720, the card providing device 100 may perform a member registration process. For example, as described above, the card providing device 100 may map information on the first card and information on the second card registered according to the card issuance application, and the resident registration number and card product as mapping standards. number may be used.

In step S730, the card providing device 100 may perform an issuance approval process. The card providing device 100 may process a plurality of telegrams used to provide the dual card 10, and for example, if the sending type of the member registration telegram is designated as number 7, card issuance may be processed. there is.

In an embodiment, the plurality of messages may include a full member registration message, a card issuance message, a design message, a message excluding blank card stock deduction, a message listing reasons for non-issuance, other registration messages, an accident message, and a reissue message. For example, the card issuance full text includes 2-track information for reading card information of the first module 130 or the second module 140, and the design full text includes a product code corresponding to the dual card 10 and information about the same. It may contain change information.

In step S740, the card providing device 100 may perform a card issuing process. For example, as described above, the card providing device 100 automatically verifies whether information on a card issued through the first module 130 and the second module 140 is mapped to a dual card through a mapping verification process. (10) can be issued.

In step S750, the card providing device 100 may perform a card inspection process. For example, the card providing device 100 may perform an inspection to finally confirm whether card issuance is normal, and may verify the appropriateness of the information recorded on the dual card 10 and the appropriateness in terms of payment operation. there is.

The order and combination of the steps shown above is an embodiment, and the order, combination, branch, function, and subject of execution thereof may be added, omitted, or modified within the scope that does not deviate from the essential characteristics of each component described in the specification. It can be seen that this can be done.

Various embodiments of the present disclosure are implemented as software including one or more instructions stored in a storage medium (eg, memory) readable by a machine (eg, a display device or a computer). It can be. For example, a processor (eg, processor 120 ) of the device may call at least one of one or more instructions stored from a storage medium and execute it. This enables the device to be operated to perform at least one function according to the invoked at least one instruction. The one or more instructions may include code generated by a compiler or code executable by an interpreter. The device-readable storage medium may be provided in the form of a non-transitory storage medium. Here, 'non-temporary' only means that the storage medium is a tangible device and does not contain signals (e.g., electromagnetic waves), and this term refers to the case where data is stored semi-permanently in the storage medium. It does not discriminate when it is temporarily stored.

According to one embodiment, the method according to various embodiments disclosed in the present disclosure may be included and provided in a computer program product. Computer program products may be traded between sellers and buyers as commodities. A computer program product is distributed in the form of a device-readable storage medium (e.g. compact disc read only memory (CD-ROM)), or through an application store (e.g. Play Store™) or on two user devices (e.g. It can be distributed (eg downloaded or uploaded) online, directly between smartphones. In the case of online distribution, at least part of the computer program product may be temporarily stored or temporarily created in a device-readable storage medium such as a manufacturer's server, an application store server, or a relay server's memory.

The description of the present disclosure described above is for illustrative purposes, and those skilled in the art can understand that it can be easily modified into other specific forms without changing the technical spirit or essential features of the present disclosure. will be. Therefore, the embodiments described above should be understood as illustrative in all respects and not limiting. For example, each component described as a single type may be implemented in a distributed manner, and similarly, components described as distributed may be implemented in a combined form.

The scope of the present disclosure is indicated by the following claims, and all changes or modifications derived from the meaning and scope of the claims and equivalent concepts thereof should be construed as being included in the scope of the present disclosure.

1000: card provision system
100: card providing device
110: receiver 120: processor
130: first module 140: second module
10: Dual Card
10a: first storage unit 10b: second storage unit
11: first IC chip 12: second IC chip
13: first magnetic 14: second magnetic
15: first print area 16: second print area
200: first user terminal

Claims (22)

A method in which a device provides a dual card,
obtaining account information and card information used to provide the dual card;
storing first account identification information of the account information and first card identification information of the card information in a first storage unit included in the dual card;
obtaining first identification information including at least one of the first account identification information and the first card identification information from the dual card;
Indicating whether second identification information including at least one of second account identification information of the account information, second card identification information of the card information, and second card product identification information of the card information and the first identification information correspond to each other obtaining a comparison result; and
and storing the second account identification information and the second card identification information in a second storage unit included in the dual card based on the comparison result.
According to claim 1,
The first storage unit includes a first IC chip and a first magnet,
wherein the second storage unit includes a second IC chip and a second magnet.
According to claim 2,
Obtaining the first identification information from the dual card
and obtaining the first identification information from a print area included in the first IC chip, the first magnetic or the dual card.
According to claim 3,
The step of storing in the first storage unit is
As the first IC chip and the first magnet are connected to the first module of the device, the first account identification information and the first card identification information are transmitted through the first module to the first IC chip and the first magnet. 1 storing in a magnetic;
Obtaining the first identification information
As the first IC chip, the first magnetic or the printing area is connected to the second module of the device, the first IC chip, the first magnetic or the printing area is connected through the second module. Acquiring identification information; including, a method.
According to claim 4,
Obtaining the first identification information
When the second IC chip and the second magnet are connected to the first module, as the MS (Magnetic Stripe) of the first magnet is connected to the second module, the MS is connected to the second module through the second module. 1 Receiving identification information, a method.
According to claim 1,
The first account identification information and the second account identification information are at least partially identical to each other,
The first account identification information and the second card identification information correspond to a personal account and a personal card, respectively;
The second account identification information and the second card identification information correspond to a corporate account and a corporate card, respectively.
According to claim 6,
The step of obtaining the comparison result is
and determining whether the first identification information matches designator information of a corporate card corresponding to the second identification information.
According to claim 1,
The first account identification information and the second account identification information are the same,
The first account identification information and the first card identification information correspond to personal account identification information and personal card identification information for a first card product, respectively;
wherein the second account identification information and the second card identification information correspond to personal account identification information and personal card identification information for a second card product, respectively.
According to claim 1,
Obtaining the account information and the card information
Receiving card application information for a first card and a second card to be applied to the dual card from a user terminal;
obtaining the first card identification information and the second card identification information based on the first account identification information and the second account identification information included in the card request information; and
Acquiring mapping information used to obtain the comparison result by mapping between the first account identification information and the second account identification information.
According to claim 9,
Receiving the card application information
Further comprising providing recommendation information for two or more card products among a plurality of card products to the user terminal based on the first account identification information and the second account identification information.
According to claim 10,
Providing recommendation information on the two or more card products
And obtaining the recommendation information based on at least one of types of first and second accounts, account balances, the number of credit cards held, card use details, and credit information.
According to claim 1,
When a predetermined inactivation condition is satisfied for any one of the first storage unit and the second storage unit, determining the other one of the first storage unit and the second storage unit to be in an inactive state; further comprising How to.
According to claim 12,
The step of determining the inactive state is
determining that the second storage unit is in an inactive state when overseas approval occurs through the first storage unit; and
and updating the second storage unit, which was in an inactive state, to an active state when domestic approval occurs through the first storage unit.
According to claim 1,
When the types of the first card product corresponding to the first card identification information and the second card product corresponding to the second card identification information are different,
The payment process proceeding through the first storage unit and the payment process proceeding through the second storage unit are performed in different ways.
In a device providing a dual card,
a receiving unit acquiring account information and card information used to provide the dual card; and
storing first account identification information of the account information and first card identification information of the card information in a first storage unit included in the dual card;
obtaining first identification information including at least one of the first account identification information and the first card identification information from the dual card;
Indicating whether second identification information including at least one of second account identification information of the account information, second card identification information of the card information, and second card product identification information of the card information and the first identification information correspond to each other obtain a comparison result;
and a processor configured to store the second account identification information and the second card identification information in a second storage unit included in the dual card based on the comparison result.
According to claim 15,
The first storage unit includes a first IC chip and a first magnet,
wherein the second storage unit includes a second IC chip and a second magnet.
17. The method of claim 16,
The processor
Wherein the first identification information is obtained from a print area included in the first IC chip, the first magnetic or the dual card.
According to claim 15,
The first account identification information and the second account identification information are at least partially identical to each other,
The first account identification information and the second card identification information correspond to a personal account and a personal card, respectively;
wherein the second account identification information and the second card identification information correspond to a corporate account and a corporate card, respectively.
According to claim 15,
The first account identification information and the second account identification information are the same,
The first account identification information and the first card identification information correspond to personal account identification information and personal card identification information for a first card product, respectively;
wherein the second account identification information and the second card identification information correspond to personal account identification information and personal card identification information for a second card product, respectively.
According to claim 15,
the receiver
Receiving card application information for a first card and a second card to be applied to the dual card from a user terminal;
The processor
Obtaining the first card identification information and the second card identification information based on the first account identification information and the second account identification information included in the card application information;
Apparatus for acquiring mapping information used to obtain the comparison result by mapping between the first account identification information and the second account identification information.
21. The method of claim 20,
Receiving the card application information
Further comprising providing recommendation information for two or more card products among a plurality of card products to the user terminal based on the first account identification information and the second account identification information.
A computer-readable recording medium recording a program for executing the method of any one of claims 1 to 14 in a computer.

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