WO2017222119A1

WO2017222119A1 - Multi-hybrid card issuance and payment approval method and server

Info

Publication number: WO2017222119A1
Application number: PCT/KR2016/013068
Authority: WO
Inventors: 이효진
Original assignee: 비씨카드(주)
Priority date: 2016-06-20
Filing date: 2016-11-14
Publication date: 2017-12-28

Abstract

According to one embodiment of the present invention, provided is a multi-hybrid card issuance method by which an issuance device issues a multi-hybrid card or supports the issuance thereof, comprising: a step (a) of checking whether a member is qualified or allowing for the checking when a multi-hybrid card issuance request and member information are acquired; a secondary issuance step (b) of recording the member information on a primarily issued empty card containing at least a portion of first card information and second card information or allowing for the recording when the member qualifications are approved in the results of the check; and a step (c) of registering the first card information, the second card information, and the member information in a database by mapping the same, or allowing for the registration.

Description

Multi hybrid card issuance and payment authorization method and server

The present invention relates to a multiple hybrid card issuance and payment approval method and server, and more particularly, to a plurality of payment methods mounted on one multi-hybrid card issued and managed by separate card companies, for each payment method The present invention relates to a method of efficiently performing various payment methods of the multi-hybrid card by linking a separately constructed database.

Recently, the use of check cards has increased with the activation of the use of check cards, and the number of people with low credit ratings has increased due to the economic crisis.

In the case of a check card, since payment can be made within the balance limit existing in the payment account, there was a problem that payment cannot be made even in an emergency situation when the account balance is insufficient.

Accordingly, even when the account balance of the check card is insufficient, a method of enabling a small credit settlement in preparation for an emergency situation is required.

SUMMARY OF THE INVENTION An object of the present invention is to solve the problems of the prior art described above, and includes two or more payment methods of check card function, gift card function, membership card function and credit card function issued by separate card companies. By issuing a multi-hybrid card, the customer's convenience can be improved.

Another object of the present invention, because two or more payment methods provided by different card companies are issued in connection with one multi-hybrid card, it is possible to attract a variety of customers even in the case of a card company that is difficult to grant credit limit, It is to improve convenience.

Still another object of the present invention is to allow a user to specify an order for a payment method in a multi-hybrid card payment having two or more payment functions, thereby improving the efficiency of customer card utilization.

Another object of the present invention is to improve the convenience of the customer by allowing a combination of two or more payment methods of check card function, gift card function, membership card function and credit card function for one payment. will be.

The present invention is to solve the above-mentioned problems of the prior art, a method for supporting the issuing device to issue or issue a multi-hybrid card, (a) when the multi-hybrid card issuance request and member information is obtained, the member Confirming or confirming eligibility; (b) a second issuing step of recording or recording the member information on the first issued blank card including at least a portion of the first card information and the second card information if the membership is recognized as the result of the verification; ; And (c) mapping the first card information, the second card information, and the member information to register or register in a database.

The first card and the second card may correspond to one of a check card, a gift card, a membership card, and a credit card.

The step (c) may include storing or storing ledger association information of the first card and the second card in the first card ledger DB and the second card ledger DB stored in the database, respectively.

In the step (c), generating or generating a matching code for matching the first card ledger DB and the second card ledger DB corresponding to the multi-hybrid card, and converting the generated matching code into the first card ledger DB. And storing the same in the second card ledger DB so as to be interconnected.

Step (c) may include storing the unique number of the member in the first card ledger DB and the second card ledger DB.

In the step (c), the issuing device generates the identification number of the multi-hybrid card, including the member social security number included in the member information, the card number of the first card, and the card number of the second card. And storing the identification numbers of the multiple hybrid cards in the first card ledger DB and the second card ledger DB.

After the step (b), if tokens for each of the first card and the second card are generated, the generated tokens are mapped to the first card information and the second card information, respectively, and stored or stored in the database. It may further comprise a step to make.

The step (b) may include assigning a credit limit according to the credit rating for the member when the membership is recognized.

According to another embodiment of the present invention, a method in which a first server makes a payment using multi-hybrid card information including first card information and second card information, comprising: (a) a payment request for goods or services When received, (i) determining whether to approve payment for the goods or services with reference to the first card information, or (ii) the second server refers to the first card information for payment of the goods or services. Determining whether to approve, and (b) if the payment is rejected in (i), the second server determines whether to approve payment for the goods or services with reference to the second card information. And if the payment authorization is denied in (ii), determining whether to approve the payment for the goods or services with reference to the second card information. A tee hybrid card payment method is provided.

In the step (b), if the payment approval is rejected for only a part of the amount of the goods or services in (i), the second server may be rejected by the second server with reference to the second card information. If the payment authorization is denied for only a partial amount of the goods or services in (ii), the payment authorization is denied with reference to the second card information. You can decide whether to approve payments for some amounts.

The payment request of step (a) includes, among the two or more card CVV numbers included in the multi-hybrid card, the CVV number information of the card to be preferentially paid, and the first card and the second card are the CVV. Can be specified according to the number information.

According to another embodiment of the present invention, a processor; A database (DB) comprising a first card ledger DB storing first card information and a second card ledger DB storing second card information; And a communication unit configured to receive a multi-hybrid card issuance request and member information, wherein the processor is configured to check or confirm whether the member is qualified, and includes at least some of the first card information and the second card information. The member information is recorded or recorded on a blank card issued first, and the first card information, the second card information, and the member information are mapped and registered in the database. An apparatus is provided.

According to another embodiment of the present invention, a first server, comprising: a processor; A database (DB) comprising a first card ledger DB storing first card information and a second card ledger DB storing second card information; And a communication unit configured to receive a payment request of the multi-hybrid card for the goods or services, wherein the processor is configured to (i) determine whether to approve payment for the goods or services with reference to the first card information (ii) A second server to determine whether to approve payment for the goods or services with reference to the first card information, and if the payment approval is rejected in (i), the second server information is referred to as reference to the second card information. 2, the server to determine whether to approve payment for the goods or services, and if the payment approval is rejected in (ii), whether to approve payment for the goods or services with reference to the second card information A first server is provided, characterized in that it determines itself.

According to another embodiment of the present invention, in the multi-hybrid card, the body portion; And a storage unit for storing the first card information and the second card information each of which includes different card numbers, and when there is a payment request for goods or services, the first card information is provided to a payment server to provide the goods or It is requested whether or not to approve payment for the service, and if the payment is denied, the second card information is provided to the payment server or another payment server to request approval of payment for the goods or services. A multi hybrid card is provided.

The storage unit may include an IC chip configured to store the first card number; An RF chip for storing traffic identification information and the second card number; And a magnetic stripe storing the first card number or the second card number.

According to an embodiment of the present invention, by issuing a multi-hybrid card with two or more payment methods superimposed by a check card function, gift card function, membership card function and credit card function issued by a separate card company, Convenience can be improved.

According to another exemplary embodiment of the present invention, two or more payment methods provided by different card companies are linked and issued to one multi-hybrid card, so that even in the case of a card company having difficulty in assigning credit limit, it is possible to attract various customers.

According to another embodiment of the present invention, in the multi-hybrid card payment having two or more payment functions, by specifying the order for the payment method, it is possible to improve the efficiency of the customer card utilization.

According to another embodiment of the present invention, by making it possible to use a combination of two or more payment methods of check card function, gift card function, membership card function and credit card function for one payment, it is possible to improve customer convenience have.

The effects of the present invention are not limited to the above-described effects, but should be understood to include all the effects deduced from the configuration of the invention described in the detailed description or claims of the present invention.

1 is a diagram schematically illustrating a multi-hybrid card system according to an embodiment of the present invention.

2 is a block diagram of a multi-hybrid card server according to an embodiment of the present invention.

3 is a flowchart illustrating an issuing procedure of a multi-hybrid card according to an embodiment of the present invention.

4 is a flowchart illustrating a payment approval procedure of a multi-hybrid card according to an embodiment of the present invention.

5 is a flowchart illustrating a cancellation approval procedure of a multi-hybrid card according to an embodiment of the present invention.

6 is a flowchart illustrating a cancellation approval procedure of a multi-hybrid card according to another embodiment of the present invention.

7 is a diagram illustrating an appearance of a multi-hybrid card according to an embodiment of the present invention.

Hereinafter, with reference to the accompanying drawings will be described the present invention. As those skilled in the art would realize, the described embodiments may be modified in various different ways, all without departing from the spirit or scope of the present invention. In the drawings, parts irrelevant to the description are omitted in order to clearly describe the present invention, and like reference numerals designate like parts throughout the specification.

Throughout the specification, when a part is "connected" to another part, it includes not only "directly connected" but also "indirectly connected" with another member in between. . In addition, when a part is said to "include" a certain component, this means that it may further include other components, without excluding the other components unless otherwise stated.

A hybrid card is a credit type debit card that combines the functions of a check card and a credit card that give a small credit limit to a check card. A hybrid card based on a check card can basically debit as much as the account balance. If the balance is insufficient, a credit card can be used for a certain amount.

In the multi-hybrid card according to the embodiment of the present invention, the check card function and the credit card function of the above-described hybrid card can be issued and managed by separate card companies.

That is, the issuance and settlement of the check card may be made by the first card company, and the credit card issuance and settlement of the credit function may be performed by the second card company. Of course, the present invention does not exclude the case where a check card and a credit card can be issued by the same card company. However, the real card may be issued in one sheet, and both the check card function and the credit card function may be mounted on the single physical card. Accordingly, two card numbers for each of the check card function and the credit card function may be assigned to one card.

According to an embodiment of the present invention, at least one card company may provide a superimposed check card function, or at least one card company may provide a superimposed credit card function, so that a plurality of check cards and a plurality of one physical card may be provided. It is also possible to have nested credit card functions.

Therefore, even if a card issuer that is not capable of credit limit issuance, by issuing a multi-hybrid card according to an embodiment of the present invention by linking with another card company that is capable of granting a credit limit, a postpaid transportation card function or a small credit to a check card user It is possible to provide credit services such as a payment function to improve customer convenience.

In addition, the multi-hybrid card according to an embodiment of the present invention can also hold a gift card or a membership card function by accumulating mileage in addition to the check card or credit card function. In this case, at least two card companies may provide one or more of the check card, credit card, gift card, and membership card services, respectively, as well as check card, credit card, gift card, and membership card at four different card companies. You can also provide services.

As such, the multi-hybrid card according to an embodiment of the present invention may include a check card, credit card, gift card, or membership card functions, which are provided by two or more card companies, respectively, but for convenience of explanation. A description will be given of a multi-hybrid card including a check card function and a credit card function respectively provided by two card companies.

At this time, a card issuer that issues a card number of a check card function and manages a check card use function is called a 'first card company', and a card company that manages a card number issuing and credit settlement function of a credit card function is used. It will be referred to as a 'second card company'.

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

Referring to FIG. 1, the multi-hybrid card system includes a check card management server 100, a multi-hybrid card server 200, a VAN company server 300, a branch office terminal 400, and a member terminal 500 capable of communicating with each other through a communication network. And an affiliated store terminal 600.

First, a communication network can be configured without regard to its communication aspects such as wired and wireless. Local area network (LAN), metropolitan area network (MAN: Metropolitan Area Network), it may be configured with a variety of communication networks such as wide area network (WAN). Preferably, the communication network according to an embodiment may be implemented as a World Wide Web (WWW).

The check card management server 100 according to an exemplary embodiment manages a check card function, that is, an overall process for a debit payment service of a multi hybrid card, and issues a card number for the check card function. can do.

According to an embodiment of the present invention, the check card management server 100 may be a server of a first card company, and if the check card function is provided in a plurality of first card companies involved, the multi hybrid card system may include One or more check card management server 100 may be configured.

The check card management server 100 of the first card company transmits the check card issuance information of the first card company to the server of the second card company that provides a credit card function for issuing a multi hybrid card, and at the same time, requests for multi hybrid issuance. In connection with the second card company, one card having both a debit function and a credit function may be issued.

When the issuance of the multi-hybrid card including the credit card function is completed from the second card company and the check card management server 100 receives the issued multi-hybrid card information, even if the first credit card company that is unable to give a credit limit, You can issue multiple hybrid cards.

In addition, if there is a payment request through the multi-hybrid card in the merchant, the check card management server 100 receives the payment request information from the multi-hybrid card server 200, VAN company server 300 or the merchant terminal 600 By checking the merchant information, member information, check card subscription information and account balance information, it is possible to determine whether or not to approve the debit.

Similarly, if there is a cancellation request through the multi-hybrid card at the merchant, the debit request information from the check card management server 100 multi-hybrid card server 200, VAN company server 300 or the merchant terminal 600 debit By confirming payment approval history information and account balance, it is possible to determine whether to cancel the debit payment.

The multi-hybrid card server 200 according to an embodiment of the present invention may issue a card number having a credit card function of the multi-hybrid card, and manage a process of a credit settlement service including a postpaid transportation card function. Can be.

The multi-hybrid card server 200 may receive the information on the check card function issuance of the multi-hybrid card from the check card management server 100 to build a check card ledger DB, a credit card issued by the second card company itself A credit card ledger DB for the function can be built separately.

The multi-hybrid card server 200 according to an embodiment checks the general information on the issuance and use of the multi-hybrid card, such as issuance information, payment authorization information and payment cancellation information of the multi-hybrid card, check card ledger DB or credit card ledger DB, respectively It can be classified and stored according to whether it is debit or credit.

As described above, in order to prevent a decrease in database management efficiency that may occur when the check card ledger DB and the credit card ledger DB are separately constructed for one multi hybrid card, the multi hybrid card server 200 according to an embodiment. By linking the check card ledger DB and the credit card ledger DB corresponding to one multi-hybrid card, it is possible to efficiently manage information input from the use of the multi-hybrid card, regardless of whether debit or credit payment.

The multi-hybrid card server 200 issues a card number having a credit card function for the multi-hybrid card when a check request is issued by the check card management server 100, and the check card management server 100 issues a card number. One multi-hybrid card may be issued including check card function issuance information for the corresponding multi-hybrid card.

The multi-hybrid card issuing process according to an embodiment may include a primary blank card issuing process in which member information is not input and a secondary card issuing process in which member information is input.

Before the member's request for issuing a multi-hybrid card, if there is a request for issuing a multi-hybrid card from the check card management server 100, the multi-hybrid card server 200 has a first card number having a check card function and a credit card function. The second card number is issued, and the multi-hybrid card including the check card function and the credit card function is issued as a blank card without member information. The process of issuing a multi-hybrid card before the member's card issuance request is referred to as 'primary blank card issuance'.

The multi-hybrid card server 200 according to an embodiment may establish a check card ledger DB and a credit card ledger DB in the process of issuing the first blank card.

When issuance of a multi-hybrid card including a check card function and a credit card function is completed through the first blank card issuance, the branch office of the first card company or the second card company, etc. is issued to the member according to the member's application for issuing the multi hybrid card. It is possible to issue multiple hybrid cards.

When a multi-hybrid card is issued to a specific member at a branch, the multi-hybrid card server 200 may register the member information on the check card and credit card ledger DB respectively established for the multi-hybrid card. By registering the member information in the multi-hybrid card issued in the state of the empty card, the process of finally issuing the multi-hybrid card is called 'secondary card issuance'. At the time of second issuance, member information may be recorded on a blank card.

When the multi-hybrid card payment request is received from the VAN company server 300, the member terminal 500, or the merchant terminal 600, the multi-hybrid card server 200 according to an embodiment, member information and membership for the payment request, the member By checking the information and the information on the issue of the multi-hybrid card, it is possible to check whether the multi-hybrid card is used, and when the multi-hybrid card is available, check card management of the payment request information to confirm whether the debit payment is approved for the payment request. It may transmit to the server 100. At this time, when the debit payment approval information for the payment request is received from the check card management server 100, the multi-hybrid card server 200 transmits the debit authorization information to the VAN company server 300 and the member terminal 500. Alternatively, if the debit payment rejection information is received from the check card management server 100 due to insufficient account balance or the like, the multi-hybrid card server 200 may check whether the credit settlement is approved. .

According to another embodiment of the present invention, if there is a payment request for the multi-hybrid card from the merchant terminal 600, the VAN company server 300 or the merchant terminal 600 does not go through the multi-hybrid card server 200 check card management Whether or not the direct debit payment approval is made by sending the payment request information directly to the server 100 in advance, the process of checking whether the credit card approval of the multi-hybrid card server 200 is approved according to the debit payment approval.

In addition, when there is a request for canceling payment of the multi-hybrid card, the multi-hybrid card server 200 receives the cancellation request information from the VAN company server 300, the member terminal 500, or the merchant terminal 600, so as to receive merchant information and membership. By confirming the information, multi hybrid card issuing information, and payment information including debit / credit approval, etc., a cancellation request is transmitted to the check card management server 100 or the credit card itself is multiplied by the multi hybrid card server 200. You can decide whether to cancel.

VAN company server 300 according to an embodiment of the present invention to perform the transmission and reception of information between the check card management server 100, the multi-hybrid card server 200, the member terminal 500 and the merchant terminal 600. Can be. That is, communication between the first card company or the second card company server and the affiliated store terminal 600 or between the first card company server and the second card company server may be performed through the VAN company server 300.

For example, when there is a request for payment or cancellation of the multi-hybrid card in the merchant terminal 600, the VAN company server 300 receives the payment request or cancellation request from the merchant terminal 600, and check card management server ( 100) or the multi-hybrid card server 200.

In addition, if the debit / credit payment authorization information or debit / credit cancellation authorization information is received from the check card management server 100 or the multi-hybrid card server 200, the merchant authorization payment information or cancellation authorization information of the multi-hybrid card It may be transmitted to the terminal 600.

The multi-hybrid card system according to an embodiment of the present invention may include a VAN company server 300, according to another embodiment, check card management server 100, multi-hybrid card without the VAN company server 300 Direct communication may be performed between the server 200, the member terminal 500, and the affiliated store terminal 600.

The branch terminal 400 according to an embodiment may issue a multi-hybrid card to a member of each card company as a branch terminal of a first card company or a second card company.

When the branch receives a multi-hybrid card issuance application from the member, the member information is input through the branch terminal 400, and the multi-hybrid issuance application information is provided to the card company server, that is, the check card management server 100 and the multi-hybrid card server 200. To send). Thereafter, when the branch office receives the multi hybrid issuance completion information from the card company server, the branch stores the multi hybrid card to the member.

The branch terminal 400 according to an embodiment includes a check card management server 100, a multi-hybrid card server 200, and a VAN company through a network, such as an IPTV including a desktop PC, a tablet PC, a laptop PC, and a set-top box. It may include any kind of communication device that can be connected to an external server or an external device such as the server 300, the member terminal 500 and the merchant terminal 600, in addition to, mobile phones, smart phones, PDA (Personal Digital) Check card management server 100, multi-hybrid card server 200, VAN company server 300, member terminal 500 and merchant terminal 600 via a network such as an assistant (PMP), portable multimedia player (PMP), tablet PC, etc. It may also include any kind of handheld based wireless communication device that can be connected to an external server or an external device, such as).

The member terminal 500 may be a terminal of a first card company or a second card company member to receive and use a multi-hybrid card.

According to an embodiment of the present invention, each member may apply for issuing a multi-hybrid card directly through the member terminal 500, or request for payment or cancellation of the multi-hybrid card through the member terminal 500 in an electronic commerce or the like. It may be transmitted to the check card management server 100, the multi-hybrid card server 200 or the VAN company server (300).

The member terminal 500 according to an embodiment includes a check card management server 100 and a multi-hybrid card server through a network such as a mobile phone, a smart phone, a personal digital assistant (PDA), a portable multimedia player (PMP), a tablet PC, and the like. 200), an external server such as a VAN company server 300, a branch terminal 400, and an affiliated terminal 600, or any kind of handheld based wireless communication device that can be connected to an external device. In addition, such as a desktop PC, a tablet PC, a laptop PC, an IPTV including a set-top box, a check card management server 100, a multi-hybrid card server 200, a VAN company server 300, and a branch terminal 400 through a network. And all types of communication devices that may be connected to an external server or an external device such as the affiliated store terminal 600.

The affiliated store terminal 600 may be a terminal of merchants affiliated with a first card company or a second card company to provide a card payment service of the first card company or a second card company, and in the merchants of the first card company or the second card company, Payment through a multi-hybrid card according to an embodiment of the present invention is possible.

The merchant terminal 600 according to an embodiment checks the payment request information of the multi-hybrid card when the member who issued the multi-hybrid card requests the payment by presenting the multi-hybrid card after purchasing the goods or services. It may be transmitted to the management server 100, the multi-hybrid card server 200 or the VAN company server 300. In response to the payment request, when payment approval information is received from the check card management server 100, the multi-hybrid card server 200, or the VAN company server 300, the member or service purchase process of the member may be performed.

In addition, when the multi-hybrid card member wants to cancel the approved payment for the multi-hybrid card, the merchant terminal 600 transmits the check cancellation request to the check card management server 100 and the multi-hybrid card server as in the payment request process. 200) or VAN company server 300 may be transmitted.

The merchant terminal 600 according to an embodiment of the present invention may be a POS terminal or a CAT (Credit Authorization Terminal) terminal, and may be a mobile phone, a smart phone, a personal digital assistant (PDA), a portable multimedia player (PMP), a tablet PC, or the like. As can be connected to an external server or an external device, such as check card management server 100, multi-hybrid card server 200, VAN company server 300, branch terminal 400 and member terminal 500 through the network as well It can include a variety of handheld-based wireless communication devices, in addition to the check card management server 100, multiple, over a network, such as IPTV, including desktop PC, tablet PC, laptop PC, set-top box It may also include a communication device that may be connected to an external server or an external device, such as the hybrid card server 200, VAN company server 300, branch terminal 400 and member terminal 500.

2 is a block diagram of a multi-hybrid card server 200 according to an embodiment of the present invention.

2, the multi-hybrid card server 200 according to an embodiment may include a processor 210, a database 220, and a communication unit 230.

The processor 210 performs various operations of the multi-hybrid card server 200.

The processor 210 according to an embodiment of the present invention may perform operations required to perform all procedures from the issuing process of the multi-hybrid card to the payment request processing and payment cancellation processing process. In the following description, the multi-hybrid card server 200 is described as performing all of the issuance, payment request processing, and payment cancellation processing. However, each process may be performed by a separate device. For example, the multi hybrid card issuance may be performed by a separate issuing device.

First, in the issuance procedure of a multi-hybrid card, the processor 210 establishes a card ledger DB and a member ledger DB, and performs a linkage process of a check card ledger DB and a credit card ledger DB separately issued for one multi-hybrid card. can do.

When the first blank card issuance request is received from the first card company, the processor 210 may perform a procedure for granting a credit limit for the multi-hybrid card.

Specifically, in order to assign a credit limit, the processor 210 performs a procedure of generating a card number providing a credit card function of a multi-hybrid card, and generates a virtual token corresponding to a check card or a card number of a credit card. You can perform a procedure to cause another device to create. In addition, the multi-hybrid card according to an embodiment may include a postpaid transportation card function, the processor 210 separately assigns a radio frequency (RF) transaction credit card number so that the credit card function is included in the credit card function. The credit card number for the RF transaction may be separately registered in the credit card ledger DB 222 which will be described later, and may be stored by matching with the credit card number of the corresponding multi-hybrid card.

The processor 210 according to an embodiment of the present invention may separately establish a check card ledger DB 221 and a credit card ledger DB 222 for a multi-hybrid card requested for issuing a first blank card. have.

According to another embodiment of the present invention, the multi-hybrid card may also be equipped with a gift card or membership card function, in this case, the processor 210 is a gift card ledger DB (not shown) or membership card ledger DB (not shown) Can be built separately.

The processor 210 receives the check card issuance information including the card number of the check card function issued by the first card company from the check card management server, and receives the check card ledger DB 221. Registered check card information can be registered and stored.

In addition, in response to the request for issuing the first blank card, the processor 210 may register and store credit card issuing information including a card number of a credit card function issued by the processor 210 in the credit card ledger DB 222.

According to an embodiment of the present invention, the processor 210 may store the same information in each ledger DB separately constructed in order to link a plurality of ledger DBs constructed for a plurality of hybrid cards.

According to one embodiment, the processor 210 generates a matching code to link the check card ledger and credit card ledger DB (221, 222) for each multi-hybrid card, check card ledger and credit card ledger DB (221) By storing the matching codes in 222, the check card ledger and the credit card ledger corresponding to the same multi-hybrid card can be automatically extracted. In addition, the processor 210 registers both the virtual token number for the check card and the credit card issued in correspondence with the card numbers of the check card and the credit card in each of the check card ledger and the credit card ledger DB (221, 222), Ledger linkage can also be performed.

According to another embodiment, the processor 210 may use the member information as the ledger association method. In the case of the member information, since the second card is issued when the secondary card issuance application, such a ledger association may be performed after the secondary card issuance.

After that, when the second card issuance request is transmitted from the check card management server, the processor 210 may not only establish a member ledger DB 223, but also check card ledger and credit card ledger DB based on the received member information. (221, 222) can perform the association.

The processor 210 according to an embodiment may issue a unique number for each member when member information that has been issued a multi-hybrid card is received.

The processor 210 may perform ledger association by storing the member's social security number or the issued member's unique number in the check card ledger and the credit

card ledger DBs

221 and 222 in the same manner.

In addition, the processor 210 as the identification number for each of the multi-hybrid card itself, and assigns a separate card number including all of the check card number, member social security number and credit card number, the check card ledger By storing the DB 221 and the credit card ledger DB 222, respectively, the ledger association may be performed through a unified identification number for one real multi-hybrid card.

When the multi-hybrid card issuing member information is received, the processor 210 according to an embodiment may evaluate a credit rating of a corresponding member and assign a different credit limit according to each member's credit rating. The credit rating of the member and the corresponding credit limit may be preset by the second card company.

Therefore, the member of the multi-hybrid card may have a higher creditable limit as the credit rating is higher.

Hereinafter, the processor 210 according to an embodiment of the present invention to describe the process of processing the procedure for the payment and cancellation request.

As described above, the multi-hybrid card according to an embodiment of the present invention may be applied to various payment methods such as direct debit, credit, prepaid payment or mileage payment.

According to an embodiment of the present invention, in the case of a multi-hybrid card having a check card payment, that is, a debit payment function and a credit card payment function, a debit payment request is made when the balance of the account is checked and the account balance is sufficient. If the balance is insufficient for the settlement amount, the credit settlement is made within the credit card limit given above. In addition, the post-paid transportation card function of the multi-hybrid card according to the embodiment of the present invention is also made within the credit limit.

In this case, when the payment request for the multi-hybrid card is received from the merchant terminal or the VAN company terminal, the processor 210 checks the merchant information, the member information, and the multi-hybrid card information included in the payment request.

Specifically, the processor 210 checks whether the affiliate corresponds to an affiliate store that can use the multi-hybrid card through affiliate store information, and the member has issued a multi-hybrid card through the member information and multi-hybrid card information. Whether or not the multi-hybrid card is a valid card.

The processor 210 according to an embodiment transmits the payment request to the check card management server to the check card management server when the information check is completed, and first checks whether the debit payment approval for the payment request is made by the check card management server. You can check it. In this case, when the debit payment rejection information is received from the check card management server, the processor 210 may determine whether to approve the credit payment for the payment request.

According to another embodiment of the present invention, a multi-hybrid card having a check card payment function and a credit card payment function requests a debit payment request for an amount in which a check card account balance exists with respect to a payment amount among received payment request information, and requests a debit payment request. You can also request a credit payment for any remaining payment.

According to the payment method as described above, the processor 210 checks the merchant information, the member information, the multi-hybrid card information, checks the check card account balance and requests the payment for the amount corresponding to the account balance to the check card management server. Can be sent, and the credit settlement for the remaining amount can be performed by itself.

According to another embodiment of the present invention, when a hybrid card is issued, a member preferentially pays among the payment methods held by the multi-hybrid card such as check card payment, credit card payment, gift card payment, or membership card payment. Can be specified. When the multi-hybrid card is set in the order of priority of the payment method, payment is made in order within an account balance or credit limit according to the order specified by the member.

Embodiments of the payment method of the present invention as described above may be performed in a similar manner in the case of a multi-hybrid card having a prepaid payment of a gift card or a mileage payment function and a credit card payment function of a membership card.

When a cancellation request is received at a merchant terminal or a VAN company terminal according to an embodiment of the present invention, the processor 210 checks merchant information, member information, multi-hybrid card information, and payment information included in the received cancellation request information. In the case of direct payment, the cancellation request is transmitted to the check card management server, and in the case of credit payment, the self-verification is verified.

In addition, according to another embodiment of the present invention, when a debit payment and a credit payment are combined, the processor 210 transmits a cancellation request to the check card management server for the debit payment amount, and only for the credit payment amount. You can perform your own revocation approval.

Payment of a multi-hybrid card according to an embodiment of the present invention can be made on a mobile or online through a member terminal. In this case, the multi-hybrid card is registered on a mobile or online, and a check card number and a credit card number are respectively. You can also register.

According to an embodiment of the present disclosure, a plurality of Card Verification Values (CVVs) or Card Verification Codes (CVCs) may be issued according to the number of payment methods held by the multi-hybrid card.

Specifically, in the case of a multi-hybrid card having a check card function and a credit card function, both the CVV number for the check card and the CVV number for the credit card may be issued so that two numbers may be listed on the multi hybrid real card. .

In addition, when the mobile or online payment described above, by entering the CVV number for the payment method that the member wants to pay, the check card payment or credit card payment can be selectively performed.

The database 220 according to an embodiment of the present invention includes a check card ledger DB 221, a credit card ledger DB 222, and a member ledger DB 223.

When the multi-hybrid card according to an embodiment of the present invention further includes a gift card payment function or a membership card payment function, the database 220 may further include a gift card ledger DB or a membership card ledger DB. For convenience of explanation, the case consisting of a check card ledger DB and a credit card ledger DB will be described.

The database 220 is a storage medium that stores all data for the multi-hybrid card, including card issue information, payment information, payment cancellation information, and member information of the multi-hybrid card server 200.

The check card ledger DB 221 according to an embodiment records all data of the check card function whenever various information such as issuance or use information for the check card function of the multi-hybrid card is received from the check card management server. And can be stored.

For example, the check card ledger DB (221) is to store the card number, CVV number, account information, payment history information, cancellation history information and account balance change history, etc. that have the check card function issued by the check card management server Can be. In addition, the check card ledger DB 221 may store the linking information for linkage with the credit card ledger DB 222, the specific description of the linking information as described above.

The credit card ledger DB 222 according to an embodiment may record and store all data and ledger association information of the credit card function of the multi-hybrid card like the check card ledger DB 221.

However, unlike the check card ledger DB 221, credit card data stored in the credit card ledger DB 222 is not received from the check card management server, but corresponds to information processed by the multi-hybrid card server 200 itself. can do.

The member ledger DB 223 according to an embodiment may receive and store information on a member who has issued the multi-hybrid card when the second issuance of the multi-hybrid card, that is, the multi-hybrid blank card is issued to a specific member. .

The communication unit 230 according to an embodiment enables communication between the multi-hybrid card server 200 and an external device. In detail, the multi-hybrid card server 200 enables communication with the check card management server 100, the VAN company server 300, the branch terminal 400, the member terminal 500, and the merchant terminal 600. Allows sending and receiving requests and data.

For example, the communication unit 230 receives a multi-hybrid card issuance request from the check card management server 100 or the branch terminal 400 and transmits card issuance completion information to the check card management server 100 or the branch terminal 400. Not only can transmit, but also receives a payment request or cancellation request, etc. from the VAN company server 300, member terminal 500 or merchant terminal 600, VAN company server 300, member terminal 500 or merchant Payment approval / rejection information or cancellation approval / rejection information may be transmitted to the terminal 600.

In addition, the communication unit 230 may transmit and receive various requests and information related to the debit payment with the check card management server 100, so that the check card payment function information data is recorded in the check card ledger DB (221).

Hereinafter, an issuing procedure of a multi-hybrid card according to an embodiment of the present invention will be described with reference to FIG. 3.

First, the first card company's check card management server 100 transmits a first blank card issuance request to the multi-hybrid card server 200 of the second card company (S301).

According to an embodiment, the check card management server 100 issues a card number and a CVV number for a check card function to be included in the multi-hybrid card requested for issuing the primary blank card, and issues the primary blank. The check card function issuance information may be transmitted to the multi-hybrid card server 200 together with the card issuance request.

Upon receiving the first blank card issuance request, the multi-hybrid card server 200 issues a card number and a CVV number for a credit card function to be included in the multi-hybrid card, and establishes a check card ledger DB and a credit card ledger DB, respectively. It may be (S302).

According to another embodiment of the present invention, when the multi-hybrid card includes a gift card function or a membership card function, the multi-hybrid card server 200 may also establish a gift card ledger DB or a membership card ledger DB.

The multi-hybrid card server 200 is issued to the check card ledger DB and the credit card ledger DB, the information on the check card function received from the check card management server 100 and the multi hybrid card server 200 itself. Information regarding a credit card function may be stored, and ledger linkage information for linking the check card ledger DB and the credit card ledger DB may be stored.

When the ledger construction of the multi-hybrid card server 200 is completed, a multi-hybrid blank card including a check card function and a credit card function is issued (S303), and the real card generated according to this embodiment is a multi-hybrid card. In addition to the card number of the card number for the check card function is further described, two card numbers may be described, and two CVV numbers for the check card and the credit card may be described. On the other hand, the above described as a multi-hybrid blank card is issued after the ledger is completed, the reverse case is also possible.

When the primary blank card issuance is completed, the multi-hybrid card server 200 transmits the primary issuance information to the check card management server 100 (S304).

When the primary blank card issuing process is completed as described above, the branch terminal 400 of the first card company or the second card company may receive a request for issuance of a multi-hybrid card from members (S305).

The branch office 400 transmits the information on the member and the multi-hybrid card issuing request information to the check card management server 100 when there is a member's card application (S306).

The check card management server 100 registers the member information (S307), and transmits the issuance information for the member of the multi-hybrid card issued by the blank card to the sales terminal (S308), whereby the multi-hybrid card is issued to the member. Allow it to be issued.

When the multi-hybrid card server 200 according to an embodiment receives the member information and the secondary card issuance request from the check card management server 100 (S309), by building a member ledger DB (S310) the received member information Register the member information in the check card ledger DB and the credit card ledger DB of the multi-hybrid card issued to the member.

In addition, the multi-hybrid card server 200 according to an embodiment may link the check card ledger DB and the credit card ledger DB established through the member information (S311).

The multi-hybrid card server 200 determines a credit rating of the multi-hybrid issuing member, and assigns a credit limit of the multi-hybrid card according to the credit rating.

The multi-hybrid card server 200 transmits the ledger full text to the check card management server 100 when the secondary card issuance including the member information is completed (S312) to register the ledger information in the check card management server 100. (S313).

Hereinafter, the payment and cancellation procedures of the multi-hybrid card will be described with time with reference to FIGS. 4 to 6.

4 to 6 illustrate a case in which the merchant terminal 400 and the multi-hybrid card server 200 directly transmit and receive information, according to another embodiment of the present invention, the merchant terminal 400 and the multi-hybrid card server. Communication may be made through the VAN company server between the 200, and when payment is made on a mobile or online, communication between the member terminal and the multi-hybrid card server 200 may be performed.

First, when a member uses a multi-hybrid card in a merchant, the merchant terminal 400 transmits a payment approval request for a corresponding transaction to the multi-hybrid card server 200 (S401).

When the payment approval request is received, the multi-hybrid card server 200 checks merchant information, member information, multi-hybrid card information, etc. (S402) and when the payment request is valid, checks and checks the check card management server 100. The request, that is, the debit payment approval request may be transmitted (S403).

Accordingly, the check card management server 100 checks the check card information, member information, account information, account balance and the like to determine whether or not to approve the check (S404).

If it is determined whether the check card payment approval or rejection, the check card management server 100 transmits the check card payment approval / rejection information to the multi-hybrid card server 200 (S405).

According to one embodiment, when the balance in the check card account is insufficient compared to the payment request amount, the check card management server 100 rejects the check card payment request, upon receiving the check card payment rejection information, the multi-hybrid card server 200 ) Can check whether the credit payment is approved (S406). The multi-hybrid card server 200 determines whether to accept the credit payment in consideration of the credit limit of the member and transmits the credit approval or rejection result to the affiliated store terminal 400 (S407).

According to another embodiment of the present invention, even if the check card account balance is insufficient compared to the payment request amount in the steps S404 to S407, the check card payment approval for the amount of the account balance exists without rejecting the check card payment Then, the credit payment approval can be made for the remaining payment amount.

In addition, according to another embodiment of the present invention, the payment of the multi-hybrid card by making a payment request directly from the merchant terminal 400 to the check card management server 100, to check whether the debit payment can be prioritized, credit payment If necessary, the check card management server 100 may proceed with the payment request to the multi-hybrid card server 200.

When the cancellation approval request (S501) is received from the affiliated store terminal 400, the multi-hybrid card server 200 checks the merchant information, the member information and the multi-hybrid card information, and examines the validity of the cancellation request (S502), Transaction approval information to be canceled, that is, payment approval information can be checked (S503).

When the transaction to be canceled as a result of the transaction approval information check is made by the check card payment, the multi-hybrid card server 200 may transmit a check card payment cancellation approval request to the check card management server 100 (S504).

When the check card management server 100 checks whether the check card payment is canceled or not (S505) and transmits the cancellation approval or rejection information to the multi hybrid card server 200, the multi hybrid card server 200 receives the received cancellation. The approval result is transmitted to the affiliated store terminal 400 (S506).

According to an embodiment, a cancellation approval procedure in the case where it is confirmed that the transaction to be canceled in step S503 is made by credit card payment will be described with reference to FIG. 6.

First, receiving a cancellation approval request from the affiliated store terminal 400 (S601), the multi-hybrid card server 200 checks the merchant information, the member information and the multi-hybrid card information (S602), and confirms the transaction approval information ( S603) is the same as FIG.

Subsequently, when the transaction to be canceled in the transaction approval information check process is made by credit card payment, the multi-hybrid card server 200 checks whether the credit card payment is approved for cancellation by itself (S604). The approval or rejection result is transmitted to the affiliated store terminal 400 (S605).

The multi-hybrid card server 200 according to an embodiment may transmit the payment cancellation history information to the check card management server 100 (S606).

The multi-hybrid card server 200 according to an embodiment of the present invention may record and store check card payment, check card payment cancellation, credit card payment, and credit card cancellation details made in FIGS. 4 to 6.

According to the check card account balance amount, when the check card payment for some amount and the credit card payment for the remaining amount are combined, the payment cancellation may be performed by performing all the processes of FIGS. 5 and 6.

Meanwhile, the above-described multi-hybrid card may include a body part (not shown) made of a material such as plastic, and a storage part (not shown) for storing first card information and second card information each having a different card number. Can be. In the multi-hybrid card, when there is a request for payment for goods or services, the first card information is provided to a payment server, and it is requested whether or not to approve payment for the goods or services. 2 Card information may be provided to the payment server or another payment server to request approval of payment for the goods or services.

The storage unit may further include an IC chip storing the first card number, an RF chip storing traffic identification information and the second card number, and a magnetic stripe storing the first card number or the second card number. It may include.

7 illustrates a multi-hybrid real card including a check card and a credit card function, and it can be seen that two card numbers corresponding to two payment methods are printed at a center part and a bottom part.

According to another embodiment of the present invention, a gift card or a membership card function may be further included in addition to a check card and a credit card function, and the check card, credit card, gift card or membership card function is configured by a plurality of functions overlapping each other. May be

In this case, when the multi hybrid card has n payment methods, n card numbers may be assigned to the multi hybrid real card.

The RF chip embedded in the multi-hybrid real card of FIG. 7 may include a credit card number for RF, and the CVV number of the check card and the CVV number of the credit card may be printed on the back of the card.

The foregoing description of the present invention is intended for illustration, and it will be understood by those skilled in the art that the present invention may be easily modified in other specific forms without changing the technical spirit or essential features of the present invention. will be. Therefore, it should be understood that the embodiments described above are exemplary in all respects and not restrictive. 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 invention is represented by the following claims, and it should be construed that all changes or modifications derived from the meaning and scope of the claims and their equivalents are included in the scope of the present invention.

Claims

As a method for supporting the issuing device to issue or issue a multi-hybrid card,

(a) if the multi-hybrid card issuance request and member information are obtained, confirming or confirming whether the member is qualified;

(b) a second issuing step of recording or recording the member information on the first issued blank card including at least a portion of the first card information and the second card information if the membership is recognized as the result of the verification; ; And

(c) mapping the first card information, the second card information, and the member information to register or register in a database.
The method of claim 1,

And the first card and the second card correspond to one of a check card, a gift card, a membership card, and a credit card.
The method of claim 1,

In step (c),

And storing or storing the ledger association information of the first card and the second card in the first card ledger DB and the second card ledger DB stored in the database, respectively. .
The method of claim 3,

In step (c),

Generate or generate a matching code for matching the first card ledger DB and the second card ledger DB corresponding to the multi-hybrid card,

And storing the generated matching code in the first card ledger DB and the second card ledger DB in the same manner so as to be interrelated with each other.
The method of claim 3,

In step (c),

And storing the unique number of the member in the first card ledger DB and the second card ledger DB.
The method of claim 3,

In step (c),

The issuing device generates an identification number of the multi-hybrid card, including the member social security number included in the member information, the card number of the first card and the card number of the second card,

And storing the identification numbers of the generated multi-hybrid card in the first card ledger DB and the second card ledger DB.
The method of claim 1,

After step (b),

If a token for each of the first card and the second card is generated, mapping the generated token with the first card information and the second card information, respectively, and storing the token in the database; Multi hybrid card issuing method characterized in that.
The method of claim 1,

In step (b),

If the membership qualification is recognized, comprising the step of assigning a credit limit according to the credit rating for the member, multi-hybrid card issuing method.
A method for making a payment by a first server using multi-hybrid card information including first card information and second card information,

(a) when a payment request for a good or service is received, (i) referring to the first card information to determine whether to approve payment for the good or service, or (ii) the second server determines the first card information. Determining whether to approve payment for the goods or services with reference to, and

(b) if the payment approval is rejected in (i), the second server causes the second server to determine whether to approve the payment for the goods or services with reference to the second card information, and in (ii) And determining whether to approve payment for the goods or services with reference to the second card information, if the payment approval is denied.
The method of claim 9,

In step (b),

In the case of (i), if the payment approval is rejected only for the partial amount for the goods or services, the second server allows the second server to approve the payment for the partial amount for which the payment authorization is denied with reference to the second card information. If the payment authorization is denied for only a partial amount of the goods or services in (ii), the approval of the payment for the partial amount for which the payment authorization is declined with reference to the second card information. Determining whether or not.
The method of claim 9,

The payment request in step (a),

Among the two or more card CVV numbers included in the multi-hybrid card, it includes the CVV number information of the card to be paid first,

The first card and the second card,

It is specified according to the CVV number information, multi hybrid card payment method.
A processor;

A database (DB) comprising a first card ledger DB storing first card information and a second card ledger DB storing second card information; And

Including a communication unit for receiving a request for issuing a multi-hybrid card and membership information,

The processor,

Confirm or confirm whether the member is eligible, record or record the member information on a first issued blank card including at least some of the first card information and the second card information, and And card information, the second card information and the member information to be registered in the database.
In the first server,

A processor;

A database (DB) comprising a first card ledger DB storing first card information and a second card ledger DB storing second card information; And

Including a communication unit for receiving a payment request of the multi-hybrid card for the goods or services,

The processor,

(i) determining whether to approve payment for the goods or services with reference to the first card information, or (ii) whether a second server approves payment for the goods or services with reference to the first card information. To decide,

If the payment authorization is denied in (i), the second server is made to determine whether to approve the payment for the goods or services with reference to the second card information. If it is rejected, the first server, characterized in that for determining the approval of the payment itself for the goods or services with reference to the second card information.
In a multi-hybrid card,

Body portion; And

A storage unit for storing first card information and second card information each including a different card number;

When there is a request for payment for a good or service, the first card information is provided to a payment server, and it is requested whether the payment for the good or service is approved. When the payment approval is rejected, the second card information is read. It is provided to a payment server or other payment server, characterized in that the approval of the payment is requested for the goods or services, multi-hybrid card.
The method of claim 14,

The storage unit,

An IC chip storing the first card number;

An RF chip for storing traffic identification information and the second card number; And

And a magnetic stripe storing the first card number or the second card number.